TERMS AND CONDITIONS

The FINANCE CHARGE for individuals is computed by a periodic rate of ____ per month which is an ANNUUAL PERCENTAGE RATE OF ____% applied to the "Previous Unpaid Balance less Current Credits."  Current credits are payments or credits received by ________A.M. on the _____ day of the following month.  The minimum payment due will be payment of Buyer's indebtedness in full.  If not paid， ______________________________ may declare the unpaid balance due and payable immediately. Buyer agrees to pay collection expenses， including reasonable attorney's fees and court costs， if it is necessary to collect through legal action.

Buyer assumes full repsonsibility for all materials purchased from ____________________________.  Buyer agrees to be personally liable for all charges and individually guarantees payment of all charges promptly.  Buyer agrees to notify __________________within 10 days in writing of receipt of monthly statement of any in billing.  Failure to so notify ___________________________ signifies total acceptance and responsibility for prompt payment in full of account.

If materials are ordered to be delivered to a construction job site， the buyer assumes liability for the materials at the time of delivery whether or not buyer's representative is on hand to acknowledge receipt of delivery.  Buyer agrees to pay standard delivery charges as billed.

Buyer agrees that no refund will be granted unless merchandise is returned within 30 days with invoice to store where purchases were made and in original sales condition.

Buyer agrees to supply____________with "Notice of Commencements"， purchase orders， job numbers， job addresses，and a current list of employees permitted to order， pickup，and sign for merchandise.

__________________________reserves the right to send out "Notice to Owners" and file Liens on past due accounts and use any legal means available to force collection if necessary.