The undersigned hereby agree to pay all bills according to the terms of the sale. I/We further agree to pay interest charges to the extent allowed by law for past due accounts and to pay, if applicable, all costs of collection including, but not limited to, attorney’s fee. A maximum service charge of 1.5% per month will be added to all accounts over 30 days. Annual rate of 18%. $50.00 Service Charge for returned checks.