The undersigned in consideration for the terms stated herein and for the extension of credit by FORD'S REDI-MIX CONCRETE CO., INC., hereby agrees that the terms of sale are "payment in full by the 10th of the month following sale." The invoices(s) become past due if not paid by the 10th of the month, and further, a 1-1/2% per month service charge (18% per annum) will be added on any past due portion. No credit for merchandise returned after 90 days. Special order items may not be returned. In the event of default in payment, and if the same is placed in the hands of an attorney for collection, the undersigned agrees to pay all costs of collection, including a reasonable attorney's fee. The undersigned does hereby certify that the information contained on this application is true and correct, and further agrees that any changes in ownership or officers or form that the business operates shall be made known to FORD'S REDI-MIX CONCRETE CO., INC., P O Box 21909, Charleston, SC 29413-1909. This notice shall be in writing and mailed to FORD'S REDI-MIX CONCRETE CO., INC. by certified U S Mail.