I/we the undersigned, represent that all statements made by me/us in this Agreement are true and correct.

I/we the undersigned, agree to be jointly and severally liable for any and all extensions of credit made herein to Applicant and/or Co-applicant. I/we the undersigned, agree(s) that in the event this extension of credit need be placed with an attorney or agency, I/we will pay all costs of collection, including but not limited to, a reasonable attorney’s fee, interest at the maximum rate allowed by law, court costs, filing fees, and any bank fees incurred through appeal. Each of the parties to this Agreement hereby expressly submits and consents in advance to such jurisdiction in any action commenced by the other in the New Jersey Courts. The courts of the State of New Jersey shall have exclusive jurisdiction to hear and determine any claims or disputes pertaining directly or indirectly to this Agreement or to any matter arising there from.

This agreement shall be governed, construed and interpreted in all respects in accordance with the laws of the State of New Jersey. Credit extensions during a cruise can only be authorized via GCO office and are subject to normal banking/business hours and requirementsġ.