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Shahin beat me to it.... and said it better.

Firstly, you may not be crossed, you just want to be sure. Probably not THAT drastic, more like if you try to sell either or draw more funds the bank will slow you down drastically or charge you fees or both. You'll find plenty if you search. Ideally in your situation, you want to end up...

STAHP!!!! Don't sign anything. It sounds like you're going to cross-collaterize. This may be un-necessaryand will probably cause you problems going forward. Search the forum for more info.