By signing the application, I/we accept membership in HILCO Electric Cooperative, Inc.; authorize HILCO Electric Cooperative, Inc. to utilize third parties to acquire my/our consumer information, consumer reports, and credit worthiness scores for purpose of determining credit worthiness**; and agree to adhere to the bylaws and Tariff of the cooperative. I/We understand and agree that any credit granted shall be paid promptly in accordance with terms and agreements and that late fees may apply if payment is not received. I/We further understand and agree that in event of default, I/we will be responsible for reasonable collection charges, court costs, and/or attorney fees incurred to collect the debt.