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% 
You pay 10% down on Nursery Stock, unless you al- 
ready have an account here and regardless of the 
amount of the order ($20 minimum order required). If it 
is convenient to pay more than 10% down you may reduce 
the amount of the monthly payments, also the carrying 
charge. If you already have an account—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’' SAILES 
After you have established your credit at Wards, you 
may make additional purchases of $10 or more on the 
same account without Down Payment, and with no in- 
crease in monthly payments unless required by the Table 
of Terms at right. For example, for only $5 a month you 
may have a balance up to $60 (including carrying 
charge). Enough for a good initial planting. 
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. Remember, your “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. 
[ 76 WARDS att 
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 
harges 
20.00 to 22.00 2.00 
22.01 to 24,00 2.25 
24.01 to 26.00 2.50 
26.01 to 28.00 2.70 
28.01 to 30.00 2.90 
30.01 to 32.00 3.10 
32.01 to 34,00 3.30 5.00 
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 6.00 
60.01 to 65.00 6.00 6.00 
65.01 to 70.00 6.50 7.00 
70.01 to 75.00 7.00 7.00 
75.01 to 80.00 7.50 8.00 
80.01 to 85.00 8.00 8.00 
85.01 to 90.00 8.50 8.00 
90.01 to 95.00 9.00 9.00 
95.01 to 100.00 9.50 9.00 
100.01 to 110.00 10.00 10.00 
110.01 to 120.00 11.00 10.00 
120.01 to 130.00 12.00 10.00 
130.01 to 140.00 12.75 11.00 
140.01 to 150.00 13.50 11.00 
150.01 to 160.00 14.25 11.00 
160.01 to 170,00 14.50 12.00 
170.01 to 180.00 15.50 12.00 
180.01 to 190.00 16.50 ~ 13,00 
190.01 to 200.00 ESO 5 13.00 
200.01 to 210.00 18.00 14.00 
210.01 to 220.00 19.00 14,00 
220.01 to 230.00 20.00 14,00 
230.01 to 240.00 21.00 15.00 
240.01 to 250.00 22.00 15.00 
250.01 to 260.00 22.50 16.00 
260.01 to 270.00 23.50 17,00 
270.01 to 280.00 24.50 tT rU0: 
280,01 to 290.00 25.50 18.00 
290.01 to 300.00 26.50 18.00 
For Terms On Larger Orders, Write Us 
