




SIRS IVT A 1 SRY SSRN —— 
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ORDER THE PLANTS YOU WANT NOW...NO NEED TO WAIT FOR READY CASH 
Plant now—pay as they grow! Don’t put off planting 
and landscaping that will add so much to the appear- 
ance and value of your home simply because it isn't 
convenient to pay cash. Nursery Stock is a wise in- 
vestment. It increases in value as the months go by. 
Everything in this Garden Book may be bought on Wards 
convenient Monthly Payment Plan. Pay only 10% down, 
the balance a little each month. As little as a $20 order is 
sufficient to start a Monthly Payment account at Wards. 
Thereafter you can add Nursery Stock purchases of $10 
or more to the same account without down payment. 
PAY DOWN ONLY 10% 
The amount to pay down on Nursery Stock, unless you 
already have an account here, is 10% (one tenth) re- 
gardless of the amount of the order. If it is convenient to 
pay down more than 10% you may reduce the amount of 
the monthly payments, also the carrying charge. If you 
already have an account with us—or after your credit is 
established—NO Down Payment is required for Add-on 
purchases, as explained below. 
PAY BALANCE A LITTLE EACH MONTH 
To find how much your Monthly Payments will be, de- 
duct the amount of your down payment from the total 
price of your purchases (including tax, if any). Then refer 
to the “Unpaid Balance” column in Table of Terms at 
right. Opposite your “Unpaid Balance” is the carrying 
charge and amount to pay monthly. For example, suppose 
your order totals $95. The down payment (10%) is $9.50 
leaving a balance of $85.50. Table shows carrying 
charge is $8.50 and monthly payment is $8. 
NO DOWN PAYMENT ON ‘‘ADD-ON'' SALES 
After you have established your credit at Wards, you 
may make additional purchases of $10 or more on the 
same account usually without down payment. On “Add- 
on’’ orders your monthly payment will be increased a 
minimum of $1 unless Table of Terms at right provides for 
higher payments. No increase will be made if your new 
balance will pay out in six months:or less. 
Use this simple Plan to get additional Nursery Stock 
items when you need them. No further credit application 
is necessary. Just fill in and sign the ‘““Add-on’’ form on 
back of order blank and we'll ship your stock at planting 
time. We will inform you of new payment rate. The 
“Add-on" privilege is good at any Ward Mail Order 
House, Catalog Office or Retail Store. 
NOTE: If you live near a Ward Store or Catalog Of- 
fice the Credit Manager there will be glad to handle all 
details of establishing your credit at Wards. 
36 WARDS at 

TO OPEN A NEW ACCOUNT—Just send us an order total- 
ing $20 or more on Order Blank enclosed with this book. 
Be sure to fill in and sign application form on oppo- 
site side. Enclose required Down Payment, 10% (one 
tenth) and mail it to nearest Ward Mail Order House. 
(If under legal age, parent or guardian must sign.) 
Any responsible person with a steady income may have 
credit at Wards. No security asked—no co-signers re- 
quired. Credit investigation strictly confidential. No 
hidden charges. Prices same as for cash with a 
reasonable carrying charge added to unpaid balance. 
TABLE OF MONTHLY PAYMENT TERMS 
= 
If Unpaid We Will Add Monthly 
Balance is for Carrying Payment 
Charges 
20.00 to 22.00 2.00 
22.01 to 24.00 DIRE, 
24.01 to 26.00 2.50 
26.01 to 28.00 == 2.76 
28.01 to 30.00 2.90 
30.01 to 32.00 3.10 
32.01 to 34.00 3.30 
34.01 to 36.00 3.45 
36.01 to 38.00 3.70 
38.01 to 40.00 3.80 
40.01 to 45.00 4.25 
45.01 to 50.00 4.75 
50.01 to 55.00 5.00 
55.01 to 60.00 5.50. 
60.01 to 65.00 6.00 
65.01 to 70.00 6.50 
70.01 to 75.00 7.00 
75.01 to 80.00 7.50 
80.01 to 85.00 8.00 
85.01 to 90.00 8.50 
90.01 to 95.00 9.00 
95.01 to 100.00 9.50 
100.01 to 110.00 10.00 
110.01 to 120.00 11.00 
120.01 to 130.00 12.00 
130.01 to 140.00 12.75 
140.01 to 150.00 13.50 
150.01 to 160.00 14.25 
160.01 to 170.00 14.50 
170.01 to 180.00 15.50 
180.01 to 190.00 16.50 
190.01 to 200.00 17.50 
200.01 to 210.00 18.00 
210.01 to 220.00 19.00 
220.01 to 230.00 20.00 
230.01 to 240.00 21.00 
240.01 to 250.00 22.00 
250.01 to 260.00 22.50 
260.01 to 270.00 23.50 
270.01 to 280.00 24.50 
For Terms On Larger Orders, Write Us 
