Paying cash in full is the most economical way to buy—unless doing so means 
a sacrifice of quality, or deprives you of necessities requiring more cash than is 
readily available. Then it is sound economy to use your credit, provided the amount 
to pay monthly can comfortably be spared each month out of income. As little as $5 
a month will buy a lot of conveniences, 
The convenience and satisfaction of having merchandise of the quality you prefer, 
and the use of it as you pay for it, justifies the small extra charge for credit. It.is a 
sensible, economical way to buy. 
Wards Monthly Payment Plan is available to any responsible person. Only 10% 
Down Payment is required on the items listed in this Garden Book. Payments as low 
as $5 a month. If you do not already have an account here, an order totaling $20 or 
more is enough to open an account. Those who have accounts may use Wards 
‘'Kdd-on"’ plan explained below when making additional purchases. 
HOW TO OPEN AN ACCOUNT 
Write your order in the usual way on one of our regular order blanks, being sure 
the order totals $20 or more. Then fill in and sign the Application for credit on the back. 
Minors will also have parent or guardian fill in and sign application. Enclose check or 
money order for the Down Payment and mail to the Ward Mail Order House nearest 
you. There will be a short delay for credit investigation which is confidential. If you 
live near a Ward Store or a Ward Catalog Office, the credit manager there will 
handle all of the details for you. 
REQUIRED DOWN PAYMENT 
It isto your advantage to make as large a Down Payment as you can comfortably spare, 
The minimum Down Payment for Nursery Stock or any other item sold in Wards 
Garden Book is 10%. By making a substantially larger Down Payment, you save on 
the carrying charge and may reduce the amount to pay Monthly. For example: 
Suppose you are placing a $70 order on which the minimum down payment is 10% 
or $7. If you will send $15 down instead of $7 down, your unpaid balance will be 
only $55 instead of $63—and your carrying charge will be only $5.50 instead of $6.50. 
Your monthly payment will also be only $5 instead of $6. If your account is paid in 
full before the first payment is due, there will be NO carrying charge. 
AMOUNT TO PAY EACH MONTH 
Add up your purchases, including any tax or shipping charges to be advanced by 
Wards, then subtract the amount for Down Payment. The remainder is the unpaid 
balance to which a carrying charge is added. Table of Terms at bottom of page 
shows amount to pay Monthly. 
WARDS ‘’ADD-ON‘'’ PLAN 
If you already have an account with us, you may make additional purchases of $10 
of more to be added to your account. Your order may include items from any of our 
catalogs. The amount of your add-on purchase, plus our usual carrying charge of 
10%, is then added to the amount you owe. Just fill in and sign the '’Add-on"’ form on 
the back of the order blank. 
Your monthly payment will not be increased on orders for items in the Garden 
Book unless the new balance requires a larger monthly payment as shown in the 
Table of Terms below. 
TABLE OF TERMS 
: We Will Add We Will Add 
It Unpaid for Carrying| Monthly If Unpaid for Carrying] Monthly 
Balance is Charge {Payment Balance is Charge |Payment 
20.00 to 22.00 2.00 100.01 to 110.00 10.50 
22.01 to 24.00 2.25 110.01 to 120.00 11.50 10.00 
24.01 to 26.00 2.50 120.01 to 130.00 12.50 
26.01 to 28.00 2.75 ——_—_—_———— 
28.01 to 30.00 3.00 130.01 to 140.00 13.50 
140.01 to 150.00 14.50 11.00 
Bonita od 305 oie 150.01 to 160.00 15.50 
33.01 to ye 3.50 : 160.01 to 170.00 16.50 
36.01 to 40.0 4.00 170.01 to 180.00 17.50 12.00 
40.01 to 45.00 4.50 180.01 to 190.00 18.50 
45.01 to 50.00 5.00 190.01 to 200.00 19.50 13.00 
50.01 to 55.00 5.50 —————— 
200.01 to 210.00 20.00 
55.01 to 60.00 6.00 Lo 210.01 to 220.00] 20.50 14.00 
60.01 to 65.00 6.50 220,01 to 230.00| 21.00 ae 
0. : : . 
65.01 to 70.00 7.00 von pee ere a ae 
70.01 to 75.00 7.50 240.01 to 250.00 22.00 
Soe SS 250.01 to 260.00 22.50 16.00 
75.01 to 80.00 8.00 
80.01 % 85.00 8.50 8.00 260.01 to 270.00 23.50 
85.01 to 90.00 9.00 270.01 to 280.00 24.50 17.00 
gS, deb al een SNe ae 280.01 to 290.00 25.50 18.00 
90.01 to 95.00 9.50 9.00 Sates Boe eater pee 23 
95.01 to 100.00 10.00 . 290.01 to 300.00 26.50 19.00 
( 40 WARDS sa } Terms subject to change. Write for Terms on larger orders, 
ASPARAGUS IS EASY TO GROW 
First fresh vegetable in spring. 
Produces crops for almost two 
months. Provides light crop the 
first year, full crop thereafter. 
3-6 inches of new growth every 
day. Plant 18 in. apart in rows 4 
ft. apart in spring or fall. Hardy 
all zones. Shipped Prepaid. 
91 GM 6870-WAsHINGTON RustT- 
PROOF. Improved variety intro- 
duced by U.S. Dept of Agricul. 
Giant size, tender stalks. Hard- 
ier, more disease resistant than 
most varieties. Excellent for 
canning. 
1-Year Size........25 for $1.60 
DOMGEND 2 <7 Osa ert 100 for 4.45 
2-Year Size........ 25 for 2.25 
SO! for $3:85;2..2e2- 100 for 6.25 
91 GM 6871—Parapise. About 
twice as productive as other 
popular varieties. Tender from 
root to tip. Fine for canning or 
freezing. Disease resistant. 
l-Year Sizes-cima ss 25 for $1.60 
90| for’ $2°70;2254-2.. 100 for 4.45 
2-Year Size........25 for 2.25 
OO'FOr Hs-GOpee ate 100 for 6.25 
Quick Crop AsPpARAGUS 3-Year 
Size. Larger, more mature, 
yields crop sooner than regular 
sizes above. State Quantity. 
91 GM 6872—WAsHINGTON Rust- 
PROOF Quick Crop. Prepaid. 
LO Mfor $107 Sse 25 for $3.95 
TOO ford. cacmree asin 10.95 
91 GM 6873—ParaADISE QuIcK 
Crop. Prepaid...... 10 for $1.75 
2sifor- $3.95. 5. 0.5 100 for 10.95 
RHUBARB—TASTY IN SPRING 
First plant to furnish sauce and 
pies in spring. Produces juicy 
stalks in abundance after the 
first year—lasts for many years. 
Very easy to grow. Plant 3 feet 
apart in spring or fall. In har- 
vesting, instead of cutting or 
breaking, grasp stalks close to 
base, and with a quick jerk, 
pull out entire stalk. Hardy in all 
zones. Shipped Prepaid. 
91 GM 6861—Grant VicToRIA. 
Standard variety for years. 
Stalks much larger than ordi- 
‘aary varieties. We ship %-inch 
‘whole roots. Prepaid. 5 for 80c; 
10 for $1.35;........25 for $2.75 
91 GM 6864—Canapa Rep. New, 
fine red rhubarb. Not only red 
on outside, but red clear through 
stalk. Grows 2-3 ft. tall. Makes 
delicious pink sauce. We ship 
root divisions. Prepaid. 
Each) $1,057" os cee 5 for $4.75 
10 for $8.00;....... 25 for 18.75 
QUICK CROP RHUBARB 
The same varieties as those 
described above, but roots or 
divisions are larger and will 
produce bigger crops the first 
few years. State Quantity. 
91 GM 6865—VictToRIA Quick 
Crop. 1 to 14-inch roots. Ship- 
ped Prepaid........ 5 for $1.30 
10 Mor $2:45°-7 25 for 4.95 
91 GM 6867—Canapa Rep Quick 
Crop. Root divisions. Prepaid. 
Each $1457) ene 5 for $6.75 
READ THESE FACTS ABOUT VEGETABLE PLANTS LISTED OPPOSITE 
If you want fresh vegetables earlier in the season, plant Wards 
Texas, field-grown plants. These healthy, sturdy plants are insect 
free, disease-free and are sure to give you the utmost satisfaction. 
These are much more satisfactory than greenhouse plants be- 
cause Wards field-grown plants have been grown under natural 
conditions, out in full sun and rain, with plenty of room to develop 
big husky roots. These weather hardened, sturdy plants stand 
transplanting and are able to withstand the rigors of an early north- 
ern planting. If planted according to instructions furnished with 
each order, plants such as these often mature 2 weeks earlier, and 
produce up to 25% larger crops than ordinary plants. 
Cabbage and Onion plants will be ready about January 1, 
Pepper, Tomato and Sweet Potato plants will be ready about 
April 1. Plants are shipped as soon as weather in your locality per- 
mits planting, and-from-that time until June 1. Orders received 
during the planting season are shipped promptly. All Wards vege- 
table plants are carefully packed so that roots are well protected 
and retain their moisture. Shipped direct from plant farmin Texas. _ 
