I HEREBY VERIFY THAT ALL STATEMENTS MADE ON THIS APPLICATION ARE TRUE AND VALID TO THE BEST OF MY KNOWLEDGE AND THE STATEMENT OF INDEBTEDNESS INCLUDES ALL MY OBLIGATIONS WITHOUT EXCEPTION. I AUTHORIZE THE CREDIT COMMITTEE TO VERIFY ALL STATEMENTS MADE HEREIN, INCLUDING VERIFYING MY CREDIT REPAYMENT HISTORY. IN CASE THE LOAN IS NOT GRANTED, THIS APPLICATION WILL REMAIN THE PROPERTY OF THE CREDIT UNION.