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Everything I have stated in this application is true to the best of my knowledge, and is an acurate statement of my obligations and the income upon which I will rely on to pay the credit requested. I understand that you will rely on this inforation in deciding whether or not to grant or continue credit to me. I also understant that you will retain this information whether or not my application is approved. You are authorized to check my credit and employment history and to answer questions about your credit experience with me.