The undersigned expressly agrees to pay, if the account becomes delinquent, all costs of collection, including but not limited to, collection agency fees, court costs, and attorney fees in addition to the principal balance and a delinquent finance charge of 1.75% per month. The undersigned, who desires to do business with Brooklyn Jewelers, agrees that if a lawsuit is necessary to collect money owing Brooklyn Jewelers, the venue of the lawsuit will be the State of New York and that the state of New York will have jurisdiction over the subject matter and also over tall parties to the lawsuit. Before lawsuit is filed, Brooklyn Jewelers, through its attorney, agrees to notify the debtor by certified mail, return receipt requested. The undersigned expressly agrees that the above method of citation certified mail, return receipt, will be sufficient notice to effectuate service over the defendant. The defendant also agrees to waive citation. It is expressly understood by all parties that this agreement is to facilitate the legal process only in the event a lawsuit is necessary to satisfy any obligations to Brooklyn Jewelers.