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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.

If

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

m~mth.

Think of

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

If

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

If

Unpaid

Carrying

Monthly

Balance is

Charges are Payment

is

Up to$ 11.00

$ .50

$11.01 -

13.00

.75

13.01 -

16.00

1.00

16.01 -

18.00

1.25

18.01 -

20.00

1.75

20.01- 22.00

2.00

22.01- 24.00

2.20

24.01- 26.00

2.40

$5.00

26.01- 28.00

2.60

28.01- 30.00

2.80

30.01- 33.00

3.00

33.01- 36.00

3.25

36.01- 40.00

3.60

40.01 -

45.00

4.00

45.01 -

50.00

4.50

50.01- 55.00

5.00

55.01- 60.00

5.50

6.00

60.01- 66.00

6.00

66.01- 71.00

6.60

7.00

71.01- 77.00

7.00

77.01- 82.00

7.70

8.00

82.01- 88.00

8.00

88.01 -

92.00

8.70

9.00

92.01- 99.00

9.00

99.01- 104.00

9.80

10.00

104.01 - 110.00

10.00

110.01 - 115.00

11.00

11.00

115.01 - 120.50

11.50

120.51- 126.00

12.00

12.00

126.01 - 131.50

12.50

131.51- 137.00

13.00

13.00

137.01- 142.50

13.50

142.51- 148.00

14.00

14.00

148.01- 153.50

14.50

The Down Payment is figu•red on the Total

Price (Cash price plus Tax and Prepaid

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is

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The terms shown here will be in effect for

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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

if

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

FARM IMPLEMENTS

at any price .

..

103

Down"'

FURNITURE ITEMS OvER $10 ...... ..... .. .. ...... .. . .... 203 Down

ALL OTHER ITEMS OVER $10 . . . . .... .. . . ... ........... 33V3% Down

*No down payment

required

if

added to

existing account.

If

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

is

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

"Charge

it

to my account" on your orders. You can add any gifts you

choose to

bring the unpaid balance up to $55 without increasing your monthly payments.

If

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

over

$10, include down payment

as explained above.

WHERE ORDERS MAY BE PLACED:

If

more convenient, you can open an account

or add items to your present mail order account

if

you have one, by

calling

at any

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

if

desired.

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–

ber 15th

if

you are just opening an account; December 20th if you already have an

account with us.

CBKSDF

WARDS

141