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CONDITIONS: NET 30 DAYS. ALL ACCOUNTS NOT PAID WITHIN THE STATED PAYMENT TERMS SHALL BE SUBJECT TO A FINANCE CHARGE OF 2% PER MONTH (ANNUAL PERCENTAGE RATE OF 24%) ADDED TO THE UNPAID BALANCE EACH MONTH. TITLE TO AND OWNERSHIP OF THE MERCHANDISE HEREIN ABOVE DESCRIBED REMAIN THE SELLER’S PROPERY UNTIL ALL DUE AMOUNTS ARE ENTIRELY PAID. ALL CLAIMS MUST BE MADE WITHIN 5 DAYS OF RECEIPT. NO GOODS RETURNED WITHOUT AUTHORIZATION. 20% FEE ON RETURNED GOODS.