All accounts with established credit are due and payable in U.S. funds at the Publisher’s office in San Antonio, Bexar County, Texas, on or before the 25th of the month after the date of publication. Late charges at the rate of 10% per annum may be imposed on any balance over 30 days past due, to the extent allowed by law. If the account is collected through the efforts of a third party, advertiser agrees to pay the Publisher all collection and case expenses, including reasonable attorney's fees. A $30.00 processing fee will be charged on all returned checks. All Retail rates are net and commissionable.