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I agree all purchases shall be governed by the laws of the state of Maryland and l/We irrevocably consent to the jurisdiction of the courts of Cecil County, State of Maryland. In the event that litigation by Holly Hill Farms, Inc. shall be entitled to reasonable attorney's fees, court costs, witness fees, and all expenses of suit. Additionally, I/We agree to pay a finance charge of 1 ½ % per month (or 18% annually) on the outstanding balance due on my account.