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RELEASE AUTHORIZATION TO ALL FINANCIAL INSTITUTIONS, BANKS, CREDIT REPORTING AGENCIES AND CASINOS.

I/we hereby authorize NCL (Bahamas) Ltd., d/b/a Norwegian Cruise Line, and any of its affiliates to verify all of my employment, financial and other information from any source in evaluating this request for an extension of credit. I/we further authorize NCL to order credit report(s) from any credit reporting agency. I/we understand that any and all checks signed by me/us may be micro-recorded, deposited and charged directly against any or all of the bank accounts designated above. A facsimile or other copy of this authorization will be considered as effective and valid as the original. I/we hereby release and hold harmless any financial institutions or correct or former employers for any information released. I/we the undersigned, represent that all statements made by me/us in this agreement are true and correct, and I/we further understand that knowingly providing false, inaccurate or misleading information on this Credit Agreement may subject me/us to criminal and/or civil liability.

I/we the undersigned, agree to be jointly and severally liable for any and all extensions of credit made to me and/or Co-applicant. This Agreement shall be governed, construed and interpreted in accordance with the laws of the State of New Jersey. The courts of the State of New Jersey shall have jurisdiction, and I/we consent and submit to the exclusive jurisdiction of such courts, to hear and determine any claims or disputes pertaining directly to or indirectly to this Agreement. I/we the undersigned, agreed 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, reasonable attorneys' fees, interest at one and one-half percent per month or the maximum rate allowed by law (whichever is higher), court costs, filing fees, and any bank fees incurred through appeal.