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I hereby declare that, to the best of my knowledge and belief, the above statement and particulars are true and complete. I also authorise you to make any enquiries you consider necessary in connection with this application. I undertake to furnish any alterations to the above particulars should I apply for further credit at any future time. I am aware that, should this application be refused, no reason need be given. I understand that any misrepresentation of factual information requested on this application form may be a cause for removal from the CHIPSTIX system.