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C.O.D. unless credit terms have been established. For customers with established credit, payment is due in 30 days. A service charge of 2% per month (24% per year) will be assessed on overdue accounts. An account will be considered to be overdue anytime after an invoice is over 30 days old. All checks returned by the bank for insufficient funds will have an additional $20.00 service charge added to the outstanding account. Should Marjac Nursery Inc. incur collection costs, attorney fees, and court costs in collecting a delinquent account; the buyer expressly agrees to reimburse those costs and fees to Marjac Nursery Inc. Marjac Nursery reserves the right to change prices at any time without notice either higher or lower than those published in the catalog. All prices are F.O.B. Monroeville.