I hereby authorize the Prestigio Jewelers, Inc. Credit Department to make whatever credit inquiries it deems necessary in conjunction with this application. I also declare that all information is true and correct. THE FOLLOWING INFORMATION IS PROVIDED PURSUANT TO THE ARELLAS-ROBBINS RETAIL INSTALLMENT ACCOUNT FULL DISCLOSURE ACT – 1986. Credit card terms may vary among retail seller-selected terms under this retail installment account are set out as follows. FINANCE CHARGES. You will be required to pay Finance Charges on PURCHASES all extensions of credit that are not paid off in the same month. We will calculate the FINANCE CHARGE by multiplying the balance at the end of the month by 2.25% (equal to an ANNUAL PERCENTAGE RATE of 27.00% with minimum FINANCE CHARGE of 50 cents. NO ANNUAL FEES. You are at least 18 years of age.