I hereby certify that all information given in this application is true and correct. I hereby authorize the issuer/its representatives to conduct independent verification of the information provided by me in connection with this application including verification of my personal background, my employment and/or credit history with other institutions/persons. I understand that all submitted documents will not be returned to me. I understand that non-disclosure/falsification of information ad herein required shall be grounds for disapproval of my application, immediate termination of my Smart Money Account/Card privileges once approved, and/or legal actions against me. In case of disapproval I understand that Smart Communications, Inc. is under no obligation to disclose the reason/s for disapproval. I understand, as Principal Account/Cardholder I shall be liable for all mobile transactions, purchases, cash advances and/or withdrawal made including all charges incurred thru the use of card(s). By signing at the back of the card(s) and/or using the card(s), I legally and validly bid myself to the Terms and Conditions governing the issuance and use of Smart Money Account/Card.