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The entire balance is due at the time of release and a deposit may be required for surgical treatment or hospitalization and payable in accordance with the terms as stated on the invoice. The parties agree that all payments still owing after the due date may be assessed a service charge at the rate of one and one-half percent (1-1/2%) per month or eighteen percent (18%) per annum. In addition, in the event of default where it becomes necessary to place this account in the hands of a third party for collection, the undersigned agrees to pay all costs of collection, including reasonable attorney’s fees and court costs. To the best of my knowledge, the above information is true.