Do your Chrishnas Shopping the easy way- from Wards
Catalogs. Pay the convenient way-a little each month.
Christmas shopping is a pleasure when you use Wards
Time Payment Plan. Make selections from any of the gifts
in this Christmas Book, or the thousands of additional
items in our General Catalog.
convenient, you can
order them all at once, on one Time Payment Order and
your Christmas shopping is done.
Don't confuse Wards Time Payment Plan with ordinary
"installment" buying. Our prices are the same for credit
as for cash, with a reasonable carrying charge added.
You know exactly what you pay for credit at Wards. Any
person of legal age with a steady income and in good
standing in his community can open an account with
Wards. No security is asked. No co-signers are required.
We depend on your integrity and ability to pay. Include
in your Time Payment orders anything Wards sell –
clothing, shoes, furniture, jewelry, drugs, hardware -
anything at all.
No need to forget anyone this year, because you can
buy as much as $55 worth for only $5 a
all the presents $55 will buy! Include toys, games, books,
jewelry, wearing apparel - anything Wards sell-and
pay conveniently, by the month.
ONLY 10% DOWN REQUIRED ON TOYS
Only 10% down is required on all Games, Dolls, Paint
Outfits, Animated Books, Hobby Toys, Airplane Kits,
Train Accessories; and other Toys of all kinds-regard·
less of price. The same low terms (10% down regardless
of price) apply to Christmas Tree Lights, Tree Ornaments,
Gift Wrappings, Cosmetics, Playing Cards, Books, Sta–
tionery, Fountain Pens and Pencils (Except Gold or Sil–
ver), Brush and Comb Sets, Soaps, Candies, Nuts.
TAKE ADVANTAGE OF WARDS ADD-ON PLAN
you already have a Time Payment account at any
Ward Store, Catalog Office, or Mail Order House you
can select your Christmas needs from this catalog or
your Big Ward General Catalog and have them added
to your present account. Add-on orders must be for $5 or
more. No down payment is required except on items of
Clothing, Shoes, Jewelry, Sporting Goods and a few others
selling for more than $10.
TABLE OF TERMS
Charges are Payment
Up to$ 11.00
104.01 - 110.00
110.01 - 115.00
115.01 - 120.50
126.01 - 131.50
The Down Payment is figu•red on the Total
Price (Cash price plus Tax and Prepaid
The terms shown here will be in effect for
HOW TO OPEN AN ACCOUNT: Simply write your order in the usual way and
then turn the order blank over and fill in and sign the application form on the opposite
side. Enclose the required down payment and mail. Orders must be $10 or more.
HOW .TO FIGURE DOWN PAYMENT: Any Toys, Games or any other items
priced at $10 or less (including tax
any, and transµortation charges paid by us)
require only 10% (one-tenth) down on new orders. The amount of down payment on
most items over $10 is fixed by law and is the same wherever you buy:
TOYS, GAMES, ETC. (REGARDLESS OF PRICE)............... 103 Down*
ALL ITEMS priced under $10 . . ........ . ......... . . ... .. 103 Down*
BUILDING MATERIALS ANO
at any price .
FURNITURE ITEMS OvER $10 ...... ..... .. .. ...... .. . .... 203 Down
ALL OTHER ITEMS OVER $10 . . . . .... .. . . ... ........... 33V3% Down
*No down payment
your order includes some items requiring 103 down (or no down Payment) and
others 203 down or 33V33 down simply figure the down payment on each one
separately and add the amounts together.
TO FIND AMOUNT TO PAY MONTHLY: Refer to the table at left for carrying
charges and monthly terms. The unpaid balance
the a mount remaining after the
down payment has been deducted. Note that the monthly payment is no more on the
unpaid balance of $55 than it is on an unpaid balance of $11. Therefore without in–
creasing the monthly·payments one cent, you can add enough items to bring the
unpaid balance up to $55.
IF YOU NOW HAVE AN ACCOUNT AT WARDS-and you are not already using
our "add-on" plan-you are depriving yourself of a great convenience, especially
at Christmas time. You can obtain needed things at any time by simply writing
to my account" on your orders. You can add any gifts you
bring the unpaid balance up to $55 without increasing your monthly payments.
you order any of the Toys etc. in above list or any other items priced at $10 or less,
you need send no down payment at all. For items
$10, include down payment
as explained above.
WHERE ORDERS MAY BE PLACED:
more convenient, you can open an account
or add items to your present mail order account
you have one, by
of our Catalog O!!ices or Retail Stores. The manager will explain terms and arrange
details of your application. Monthly payments may also be made there
ORDER EARLY: To insure delivery of your Time Payment Order in time for Christ–
mas, orders should be mailed so as to reach us by not later than these dates: Decem–
you are just opening an account; December 20th if you already have an
account with us.