This requires one of the Tax ID numbers to get your credit approval.

Purchase Order Required, if your application is approved, a purchase order is required to be used for credit to place an order with Howie Home and Beauty Supply. Please provide us with the email or phone where you would like your purchase order to be sent for you to place your order.

All sales are subject to the terms and conditions outlined in this Credit Application and Account Agreement ("Agreement" "Seller" means Howie Home and Beauty Supply. Inc. and its successors in interest, affiliated companies, subsidiaries, and assigns with whom you may do business now and/or in the future. "Customer" means the entity(s) or person(s) requesting to purchase goods or services from Seller on credit. The customer acknowledges it has read these terms and conditions and agrees to be bound thereby. The terms and conditions are as follows: CREDIT TERMS: Customer shall be liable for and agrees to promptly pay when due all charges set forth in the applicable Seller invoice. All invoices are due Terms of Sales There is no service charge fee per annum) or the maximum rate permitted by Howie Home and Beauty Supply. Inc., whichever is less, may be assessed on overdue balances In the event Customer is in default of its obligations under this Agreement, Seller may. in its sole discretion, suspend Customer's credit privileges without prior notice. COLLECTION COSTS AND ATTORNEY'S FEES: If this account is turned over to our collection team and Howie and Beauty Supply enforce a lawsuit/or an attorney for collection, the Customer agrees to pay all reasonable attorney's fees, court costs, and costs of collection whether the suit is filed. APPLICABLE LAW & VENUE: This Agreement shall be governed by the laws of the state of New York, without regard to any conflict of laws principles. Customer consents to the jurisdiction of the courts of the state of New York in connection with any action or proceeding arising from or related to this Agreement The venue for all suits, counterclaims, causes of action, and/or legal proceedings shall be instituted in any court of competent jurisdiction in New York or any other county in New York at Seller's discretion.

CREDIT INVESTIGATION: The Customer authorizes Seller, its agents, and affiliates, to conduct any credit investigations it deems appropriate, including but not limited to obtaining financial statements, credit reports, or other credit information, and authorizes the release to Seller of any information, financial, personal or otherwise, as required for the purposes of the credit investigations, from any financial institution, credit reporting organization, reference, supplier, governmental authority. or any institution providing credit information that the Customer deals with. The Customer hereby directs any such financial institution, credit reporting organization, reference, supplier, governmental authority, or any institution providing credit information to provide all information requested by Seller in relation to the Customer. For the purposes of any applicable statute pertaining to the privacy of information, this clause shall constitute full and sufficient consent for the collection, use, and disclosure of information, as required for a credit investigation CERTIFICATE OF USE: Customer certifies that this request is for the extension of credit for business purposes only and not for the extension of credit for personal, family. or household purposes. ENTIRE AGREEMENT: Customer agrees that the terms of credit as set forth herein shall constitute the entire agreement between Customer and Seller and that all sales/and or transactions between Customer and Seller shall be governed solely by these terms and conditions These terms and conditions may not be modified except by prior written consent of Seller. Seller reserves the right to change any of the terms of this agreement on 30 days advance notice. NOTICE: The Federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, or sex. marital status, age (provided the applicant has the capacity to enter into a binding contract): because all or part of the applicant's income derives from any public assistance program; or because the applicant has, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with the law concerning this creditor is the Federal Trade Commission, Division of Credit Practices, 600 Pennsylvania Avenue, NW. Washington, DC 20580. ACCURATE INFORMATION/AUTHORITY: The undersigned certifies that all the information in this Agreement is complete, factual, and correct, and understands that Seller will rely on the accuracy of this information in determining whether any credit may be extended By signing below. the undersigned agrees to the terms and conditions stated herein and represents that he/she is authorized by the Customer to execute this legally binding Agreement

In consideration of credit extended by Seller to Customer, I assume personal and individual responsibility and liability. and unconditionally guarantee. without offset, the payment of all indebtedness due and payable to Seller by the Customer which is now existing or hereafter will not be incurred in the future interest of default payment but will be liable for attorney's fees, and court costs. This guarantee is open, continuous, and not limited in time. Seller shall not be required to exhaust its remedies against Customer prior to enforcing its rights against the undersigned under this personal guarantee. The undersigned waives notice of default, demand, non-payment, presentment, and notice of intent to accelerate or acceleration I understand that this guarantee shall remain in force until Seller receives written notice from me that this guarantee is terminated If it becomes necessary to place this personal guaranty with an attorney and/o third party for collection, the undersigned agrees to pay all attorney fees, court costs, and/or costs of the collection I hereby consent and authorize the use of my consumer credit report in the credit evaluation process by Seller. Undersigned grants to Seller the right and authority to make credit inquiries regarding Undersigned and to obtain financial statements, consumer credit reports, or other credit information about Undersigned, from time to time as may be needed. in the credit evaluation process. Undersigned do hereby release all claims in favor of Undersigned against Seller and third parties related to the request and/o providing of credit information and instruments