Credit Application

For the purpose of processing this application the undersigned(the "Customer") hereby authorizes National Concrete Accessories Canada Inc.("NCA") to investigate the Customer's credit experience with suppliers, banks, and other institutions with which the applicant has conducted business.

Upon approval of this application by the Credit Manager for NCA, credit privileges will be extended to the Customer subject to the following terms and conditions, which the Customer hereby agrees that:

1. NCA shall determine in its sole discretion the amount and whether to grant credit to the Customer. NCA has no obligation to grant such credit and any granting of credit is without commitment to provide future credit. The Customer shall be responsible for all credit it receives from NCA, whether or not such credit exceeds authorized credit limits.
2. Customer will pay NCA for the all purchases on the Customer's account within thirty(30) days of the invoice date (Net 30 Days) and will be responsible for the delivery of all payments to NCA's office by the required date.
3. Credit privileges may be suspended should the Customer's account become overdue without prior notice to the customer.
4. Interest will be charged at the rate of 2.0% per month (24% per annum) on overdue accounts commencing on the 1st day that the Customer's account is overdue. The Customer agrees that interest on this account shall run, in accordance with the terms of the agreement, both before and after judgment.
5. The customer authorizes NCA, its agents and affiliates, to conduct any credit investigations it deems appropriate, including but not limited to credit checks and bank checks, and authorizes the release of any information, financial, personal, or otherwise, as required for the purposes of the credit investigation, from NCA to any financial institution, credit reporting organization, supplier, governmental authority, collection agency or any institution providing credit information that the customer deals with. The Customer hereby directs any such financial institution, credit reporting organization, supplier, governmental authority, collection agency, or any institution providing credit information to provide all information requested to NCA 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.
6. Any dispute by the Customer shall be reported in writing to the Credit Manager at NCA within 10 days of the date that the labour was performed and/or the material was supplied, and the details of the dispute. If the Customer does not issue a written dispute within the said 10 days, notwithstanding that the dispute is not resolved, the Customer shall pay to NCA all amounts due and owing, without any set-off, pending resolution of the dispute. The payment by the Customer shall not affect the customer's dispute.
7. The Customer agrees to provide NCA with copies of up-to-date financial statements and financial records, and a general or specific assignment of accounts receivable, upon request.
8. The Customer agrees to be responsible for all solicitor and client costs and all other expenses incurred by NCA in connection with the collection of the account.
9. The Customer agrees that this agreement shall bind all respective heirs, executors, administrators, successors, or assigns.
10. The Customer or Customers hereby agree that where there is more than one party to this agreement, they shall be jointly and severally liable in the event of default hereunc
11. The Owner is obligated to notify NCA in writing of any changes in ownership.
12. If applicable, the Customer hereby consents to NCA receiving and using the Customer's social insurance number as may be required by NCA.
13. NCA may disclose information related to the Customer's credit history with NCA to any financial institution, credit reporting organization, supplier, governmental authority, collection agency, or any institution providing credit information that the Customer deals, with or to any other third parties. The Customer's signature on this form is express consent for the disclosure of such information.
14. Notwithstanding any form of contract, condition, representation or warranty, whether written, oral, express or implied, the Customer agrees that the terms of credit asset forth herein as between the Customer and NCA shall be binding upon the Customer and NCA in respect of all of contractual relationships between them from time to time; and it is further agreed that the terms of credit as set forth herein shall take priority to any other terms of credit, alleged to exist as between the Customer and NCA from time to time.
15. NCA reserves the right to change any of the terms of this agreement on notice.
16. The undersigned, being either, a stockholder, director, and/or officer of the aforesaid company, hereby either individually or jointly and severally, guarantee the payment of all and any future obligations of the said company, which may be owing NCA, including reasonable attorney fees, lawful interest and other expenses incurred by NCA in collecting any indebtedness of the applicant company. This is a continuing guarantee and may be revoked solely by written notice sent by certified mail to NCA. Should a lawsuit be necessary to enforce this guarantee, venue is waived, and suit may be brought in anywhere within Canada at the sole discretion of NCA. A photocopy or facsimile of this Application and Agreement shall be as valid as an original thereof.

ALL INVOICES WILL BE RECEIVED VIA EMAIL TO CLIENT.

Please read carefully

1. By signing below. I authorize Form & Build Supply and or its agents, to contact any references given, including banks, to release and exchange such banking and financial information as may be necessary to determine credit standing.
2. I also grant permission to the trade and bank references listed above to impact financial information requested by Form & Build Supply and their agents, in the course of regular credit investigations.
3. As the principal/owner/operator referred to herein I take notice that reports will be sought containing personal information, financial information and credit information and I consent to the receipt, disclosure and exchange of such information to other business-related parties, agents and consumer reporting agencies.
4. As the undersigned I hereby agree that subsequent credit information may be obtained throughout the duration of the business relationship and consent to the release of said information.
5. I certify that the above information is true and correct, I also certify that I am authorized to bind the company and agree to pay invoices in full 30 days from date of invoice.
6. In addition I (we) accept there is a service charge of 1.5% Monthly (19.56% Annually) on any balance outstanding over 30 days.
7. Returns of any nature must be made within 30 days of the purchase day. In some situations, a re-stocking charge may apply on a return. The percentage of the restocking charge is to be determined by Form & Build Supply.
8. Goods and Services Tax and Provincial Sales Tax are in addition to the purchase price of goods. Taxes will be charged unless an exemption certificate is on file and properly completed.
9. Form & Build Supply will take reasonable steps in delivering goods purchased within regards to the date specified. Under no circumstances will Form & Build Supply be held liable to damages of any kind because of failure to do so.
10. If the purchase requires a Purchase Order Number, it will be their responsibility to give the P.O. number when the order is placed. Form & Build will not be held liable for any order that docs not have a Purchase Order Number.
11. Returned Cheques will be subject to a $25.00 service charge.

The following are the Terms and Conditions of Dealing of CRH Canada Group Inc. ("Terms and Conditions") upon which CRH Canada Group Inc. is prepared to deal with the customer. In consideration of receiving and reviewing this credit application, and for other goods and valuable consideration, the receipt and sufficiency of which are hereby knowledged, the undersigned acknowledges, understands, and agrees to the Terms and Conditions.

Invoices will be due at the gross amount and are payable regardless of any practice to the contrary, net 30 days from the date on the invoice of CRH Canada Group Inc. to the applicant. In addition to interest, the customer will be liable to fully indemnify CRH Canada Group Inc. (by way of a debt or damages claim by CRH Canada Group Inc.) for all legal costs and disbursements (and applicable tax on both) incurred by CRH Canada Group Inc., in enforcing these Terms, both before and after judgment (including on steps to execute on any award, order or judgment). Any amount unpaid when due will bear interest from the day immediately after the dye date at the rate of 2% per month (24% per annum), both before and after judgment, such amounts are to be paid regardless of any practice to the contrary.

The undersigned(s) authorizes CRH Canada Group Inc. to conduct or cause to be conducted a personal investigation (or corporate investigation in the case of a corporation), including obtaining at any time information from lenders, credit reporting agencies, and credit references for the purpose of determining the creditworthiness of the undersigned(s) in connection with this application for credit and any renewal or extension of credit or investigation into maintaining, increasing or reducing credit. The undersigned(s) consent(s) to the collection, use, and disclosure of personal information for the above purposes. The undersigned(s) declare, represent, and warrant that all individuals whose personal information is contained in this document have authorized the undersigned(s) to agree and consent to the above on their behalf.

*By signing above, you authorize National Concrete Accessories to make inquiries into the banking and business/trade reference that you have supplied