From my past experience, during the EPF withdrawal application. Only my hubby withdraw it even though both our name are in the S&P. The officer didn't request us to show the marriage cert le... And then we use the withdrawed $ for our wedding preparation.

and now i'm planning to withdraw it when the S&P signed date almost reach 3 years. Make sure do not exceed 3 years la...
hope when the time coming, i can earn higher interest than the banks + save more monthly EPF deduction. haha