Failure to pay the full amount due on time, or any unauthorized return of merchandise may result in the suspension of net Term privileges. Dating programs and other incentives will not be available to customers with a history of late payments. We may impose a monthly service charge of 2% on past due balances. Return checks will result in a service charge of $30 per occurrence and we may impose a monthly interest of 2% of the total payment due. All accounts past due 90 days will be turned over for collection of the amount due plus any additional late charges and the cost of collections.