I (We) represent, warrant, and affirm that all of the above statements in this application are true and correct and have been made in order to induce you to grant credit with knowledge that you will rely thereon. You are authorized to verify the correctness of these statements and to procure any other information which you may require to appraise this application. If credit is not approved, I authorize you to retain the application and credit agreement as your property. By submitting the above information I (we) hereby authorize(s) you to obtain a consumer credit report from a consumer reporting agency.