QUBSTTONS

Dveryone in Your Organiza;tion Should Know the Answers Here They Are

1. WHO MAY APPLY?

Any property owner, individual, partnership or corporation with a regular income from salary, commission, busi' ness, or other aseured source. It is not necess:rfy to be a depositor in the financial institution consulted-

2. TO V/HOM DO I APPLY? '

To any National Bank, State Bank or Trust Company, Savingi Bank, Inductrial Bank, Building and Loan Associ' ationf or Finance Company approved by the Federal Housing Administration; or to a contractor or building supply dealer.

3. HOW MUCH MAY I APPLV FOR?

From $lfi) to $2.OOO, depending on your income, for im' provement on any one property, and in connection with -not more than dve properties unless approved by the Fedetal Flousing Administration, Washingtonr D. C.

4. HOW LONG MAY NOTES RUN?

For any number of monthc from one to three yearc' (Notes'extending from 37 months to five yearc may be submitted to the Federal Houring Adminictration by 6nan' cial institutionc for special congideration-) ib) fh.t ihe income of -the eignerr of the note is at leart 6ve timec the annual paymentt on the uote.

5. V/HAT SECURTTY rS REQUIRED?

That you have an adequate regular income and a good credit record in your communitY.

6. \VHAT ASSURANCE NEED I GIVE?

(a) That you own the ProPertY.

(c) That your mortg.ge, if any, ir in good etanding, and - that ihe.e are no other past due encumbrances or liens againrt your ProPerty

(d) That you will uee the proceedr solely lot property improvement.

7. VHAT SIGNATURES ARE REQUIRED ON THE NOTE?

Signature of the property owner-; and (elcept in specid ca'ses) if the owner is an individual and ic married, alro rignature of wife or hucband. No other co'cigners or endot"cm are required.

8. VHAT IS THE COST OF THIS CREDIT?

The financial institution may not collect as interest and/ot discount and/or fee of any kind, a total charge in excesg of an amount equivalent to $5 discount per year per flfi) original face amount of note.

9. HOW DO I PAY THE NOTE?

By making regular, equal, monthly payments (seasonal payments for farmers) until the note ic paid in full.

10. MAY THE OV/NER OF ANY KIND OF PROP. ERTY APPLY?

Applications will be considered for credit to improve onefamily, two-family, or other ri:sidences; aparr-ent buildinge, stores, ofice buildings, factorieo, warehouses, farm buildings.

11. WHERE DO I MAKE PAYMENTS?

The regular ingtallment payrnentE will be made in person at the place of businesc of the fnancial inctitution; or by mail; or as otherwise arranged. No payment sholl be maile to any goi)ernmcntal office or organization.

12. MAY I PAY THE NOTE IN FULL BEFORE MATURITY DATE?

Yes, at any t'-e. A rcasonable rebate will be allowed for prepayments, if charges have been collected in advance.

1'. MAY I MAKE MORE THAN ONE PAYMENT AT A TIME?

Ycs, ac trrany as you wish, but euch paymen$ Sould be in exact multiples of the agreed payment+that ir, if monthly payment ir tf0, Iarger payments should total $2O, $3O, etc.-not, for example, odd sums cuch ac f,18 ot $25.

14. VHAT IF I AM LATE IN MAKING MY PAYMENT?

The ma&er murt not permit his payments to faII in arrelrrr. Should a payment be more than 15 days late, the fnancial institutiontg expenre, caused thereby, rhould be reimbursed on paft at the rate of not more ttan five cents per dollar for each payment in arrearr. Peraictent delinquency will ma&e it ne,cestary for the faancial inctitution to take proper stepi to efiect collection in futl.

The biggest question of all, Mr. Dealcr, is this-Are you stocked with a full line of Pioneer-Flintkote shingles and roofing products to make your full profits on the N.H.A. demand that is b.itg created in your trl.riolry?