The undersigned affirms that the individual signing is duly authorized to execute this credit application and any related agreements on behalf of the applicant. By providing a signature, the signatory warrants and represents that they have full authority to bind the applicant and that all information provided herein is true, correct, and complete to the best of their knowledge. The applicant acknowledges that the credit grantor may rely upon this authorization and may request, obtain, and use consumer or commercial credit reports and references in connection with the establishment and maintenance of the account, subject to applicable law.