PROFESSIONAL

The below information as well as that given on the reverse side is for the purpose of obtaining credit and is warranted to be true. I/we hereby authorize Millard Lumber Inc. to investigate my credit record and references and furnish information regarding my performance of this agreement to proper credit reporting agencies and others who may properly receive that information.

In consideration of acceptance of credit by Millard Lumber Inc., I/we agree to make payment to Millard Lumber Inc. on the designated due date following date of purchase as indicated on the monthly customer statement. It is understood that a delinquent account will cause credit to be suspended and a FINANCE CHARGE of 11½% or an ANNUAL PERCENTAGE of 18%, or more or less, as permitted by law will be applied to the previous balance less payments made during the current billing period.

In consideration of any extension of credit by Millard Lumber Inc., either now or in the future, to the above named credit applicant, on the above terms, or any other terms agreed to by said credit applicant and Millard Lumber Inc., the undersigned, unconditionally, personally, jointly and severally guarantee the payment of any and all sums due or which may become due as a result of any such extension of credit. (If a partnership, all partners must sign and place social security number on form where indicated.)

PERSONAL

The below information as well as that given on the reverse side is for the purpose of obtaining credit and is warranted to be true. I/we hereby authorize Millard Lumber Inc. to investigate my credit record and references and furnish information regarding my performance  of  this  agreement  to  proper  credit  reporting  agencies  and others  who  may  properly  receive  that  information.

All accounts are due IN FULL 25 days after  billing  date.  Thereafter  the  account  shall  be  considered  past  due  and  a finance charge will be  added. The FINANCE CHARGE is computed at a periodic rate of 1⅓% per month or an ANNUAL PERCENTAGE RATE OF 16% applied to the previous balance less payments or returns made during the current Billing Period.

In consideration of any extension of credit by Millard Lumber Inc., either now or in the  future,  to  the  above  named  credit applicant, on the above terms, or any other terms agreed to by said credit  applicant and Millard Lumber Inc., the undersigned, unconditionally, personally, jointly and severally guarantee the payment of any and all sums due or which may become due as a result of any  such  extension  of  credit.  (If  a  partnership,  all  partners  must  sign  and  place  social  security   numbers  where indicated.)