Postage Prepayment Finance Agreement

I request Coughlin finance the postage amount up to 30 days past the date of the final invoice, which is no sooner than the day the mailing is dropped off at the post office. I understand that a 4% finance charge is automatically added to the postage amount on the date of the invoice. I also understand that an additional 4% finance charge will be added if Coughlin does not receive my payment in full by the due date on the invoice, as well as each subsequent 30 days thereafter. I further understand that finance charges are not prorated, and once applied will not be removed or decreased.