Last week the gentleman that purchased EVJEN & YOUNG Union 76 bulk plant in the early 70's from my grandpa delivered this book to my dad. My dad read through it and decided that it needed to join the rest of my collection. This was grandpa's "Black Book" that listed your credit rating. Yes, there were a few COD's, but it looks like gramps gave most people of line of credit. They guy in town that owned the LYNDEN DEPT STORE had a high credit available at $200. The one shown is my grandpa's sister which he was willing to back. Good stuff.