In making this application I/We certify that this information is true and correct and agree to pay this account in accordance with your credit terms. I/We agree that if not paid within your credit terms, the account is delinquent and subject to the maximum legal interest rate which will be charged each month. In the event of default and referral to an attorney or collection agency, I/We agree to pay all costs of collection including reasonable attorney fees. I/We authorize you to verify this infonnation and/or obtain additional information by securing data from a credit reporting agency.