2) These services and charges apply to commercial accounts only. Non commercial accounts (individuals) are accepted only at the option of HMH and are subject to increased charges.

3) Accounts settled direct, paid prior or merchandise returned are subject to commission charges, irrespective of the circumstances involved.

4) HMH shall have the right to endorse for deposit and collection, in the name and on behalf of the client, remittances received on accounts placed for collection and to deduct from such remittances its commission charges.

5) No legal action will be commenced without the creditor's prior authorization. Court costs are the responsibility of the creditor. It is agreed that the contingent commission fee upon collection is 30% of all monies collected for commercial accounts during the legal process. Retail accounts in litigation are subject to increased commission charges.

6) Account(s) may be withdrawn on creditors written instructions after 90 days, providing they are not in the process of settlement. Failure of the creditor to fully cooperate with HMH or comply with the above condition will subject the account(s) in question to full commission charges.

7) This agreement contains the entire and only agreement between the parties. No waiver or amendment of this agreement shall be binding on the parties unless in writing, signed by an authorized official of both parties.