I authorize the XXX to make whatever inquires it deems necessary in connection with this credit application and in the course of review or collection of any credit extended in reliance on this application. I further authorized any person or YYY to complete and finish to the XXX any information that it may have or obtain in response to such inquires and agree that such information along with this application shall remain the XXX's property, whether or not credit is extended. All information stated in this application is declared to be a true representation of the facts and made for the purpose of obtaining the credit request. I HAVE REVIEWED THE ABOVE DISCLOSURE.