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9^^ PAGE 4 OF 4
<br /> v 1(�4��8 ADDITIONAL TERMS
<br /> LIMITED WARRANTY: My sole and ezclusive remedy against you or your assignee shall 6e limited to my rights and remedies under the ezpress LIMITED WARRANTY
<br /> you extend to me at the time I sign this Contract. My ezclusive rights and remedies under the warranty shall 6e in lieu of all other rights or remedies, at law
<br /> or in equity, where permitted by applicable state law.
<br /> BUIIER, READ THE SEPARATE "LIMIIED WARRANTY" WNICH IS A SEPARATE WRITTEN INSTRUMENT PERTAINING SOLELY TO MANUFACTURED PRODUCTS OF THE
<br /> PACESl�iTER CORPORATION AND WHICH "LIMITED WARRANTY" HAS BEEN DELIYERED TO EACH RESPECTIYE BUIIER IN CONNECTION WITN THIS SALE.
<br /> PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE:Even though I do not have to pay more than the regular scheduled monthly payment,I have the right
<br /> to prepay the whole amount owing to you in full at any time or in part from time to time. I understand that the finance charge is computed daily. I know my
<br /> Cnance charge will be less if I make an early payment,and it will be higher if I pay late;I also recognize that any necessary adjustment to my total finance charge will
<br /> be reflected in my final bill;I also know that the amounts shown on page 2 for the Finance Charge,Total of Payments, and the Total Sale Price are estimates based on
<br /> the assumption that you will receive each of the payments exactly on its due date;and(know that there will be no refund if 1 prepay because there is nothing to refund
<br /> when I am chazged on a daily basis. I know that if all rebates,refunds and credits to which 1 might be entitled are less than one dollar($1.00), no refund will be made.I
<br /> may voluntarily prepay the amount I owe you, in full or in part,at any time. If I make a partial prepayment, I must continue to make my regulaz payments until I have
<br /> paid all amounts owed. I know that if I prepay the whole amount,you may collect or retain fmm me a minimum charge not greater than$10.00.
<br /> SPECIAL-ORDER GOODS:I know that you have measured my house and its openings so that you can make the Products to fit my particular house and that the goods
<br /> probably will not fit any other houses,so I know that I cannot cancel this contract at any time after the period of time given to me by law in which to cancel.After that
<br /> legal period of time,I know that I have the obligation to pay you in full the amount owed.
<br /> COMMENCEMENT OF THE FINANCE CHARGE:The finance charge is estimated to start within 30 days of the date of this contract,except in the event that you
<br /> complete the installation of the goods and services orranother date,then the finance chazge will begin to run on the date that I sign the Completion Certificate.The amount
<br /> of finance charge may be more or less than the amount disclosed depending on the amounts I pay you and my timeliness in making payments.
<br /> DEFAULT:I will be in default under this contract if: l. I don't make a payment when due;or 2. I break any promise I made to you in this contract.
<br /> COLLECTION COSTS:If I am in default of this contract and you demand full payment,I agree to pay you for reasonable attorneys'fees and for other related expenses
<br /> such as court costs,title seazches and money you expended to collect the amount due or to protect my hovse,if you are allowed to collect such amounts by law
<br /> DELAYS:I know that you will use your best efforts to install the Products 1 am purchasing on my house,but I also understand that in some situations you may encounter
<br /> delays that are caused by strikes,weather conditions,delays you have in obtaining materials,or for other reasons that are beyond your control. I will not hold you liable
<br /> for such delays.
<br /> REQUEST FOR FULL PAYMENT: If I am in default under this contract, you can declare all that I then owe under this contract payable at once. I agree to pay you
<br /> interest on that amount at the maximum contractual rate allowed by law until the amount I owe you is paid.
<br /> SALYAGE VALUE.°1 know that the windows, woodwork, siding,brick and other materials that have to be removed by you for this installation have N� salvage value.
<br /> When you remove them,you may dispose of them.
<br /> SPECIAL SITUATIONS:Due to the uniqueness of some of the Products that you sell, I understand that in special situations your Regional Office may have to ieview
<br /> and approve this contract.I also understand that this sale ocwrred in my home and that you and I may not have had all the correct information important to this transaction
<br /> at our fingertips;[give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed.
<br /> INVALID PROVISIONS:If any provision of this contract violates the law and is unenforceable,the rest of the contract will be valid. If any part of this contract requires
<br /> payment of more finance charge than the law permits,then you will only have the right to collect from me the amount of finance charge which the law allows you to collect.
<br /> ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE
<br /> DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBtAINEb PURSUANT HERETO OR WITH
<br /> THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE
<br /> DEBTOR HEREUNDER.
<br /> INSURANCE CANCELLATION: If I have requested insurance in this purchase, I may cancel such request for insurance for any reason within fifteen f 15) days from
<br /> the date of this contract by notifying you or the holder of this contract in writing.I know that the cancellation of my coverage will be arranged with the insurance carrier(s)
<br /> and a full refund of my p�mium(s)together with applicable finance charge will be credited to this contract.
<br /> PLEASE NOTE:If I have requested insurance in this purchase,I will receive within thirty(30)days a certificate of insurance more fully describing the insurance coverage.
<br /> I know that if there is any conflict in the coverage or the language of the certificate of insurance and the following Notice of Proposed Insurance that I am covered only to
<br /> the extent stated in the following Notice of Proposed Insurance. I also know that I have insurance coverage only if I have been charged for it.
<br /> NOTICE OF PROPOSED INSURANCE
<br /> I take notice that either Credit Life or Ccedit Accident and Health Insurance,or both,will be applicable to this Installment Sales Contract only if I have chosen it by
<br /> signing the request for such insurance.This insurance will only cover the person signing[he request at the cost for each type of insurance shown. Subject to acceptance
<br /> by the insurance company, the insurance will be effective as of today and will continue only for the number of months after the effective date equal to the number of
<br /> monthly payments. I understand that this particular insurance may not provide coverage for my las[few payments,and that during that period of time I will not have any
<br /> insurance coverage.All benefits and proceeds of the insurance will be paid to you or to a financial ins[itution if it purchases the Installment Sales Contract ro the extent
<br /> of its interests and any balance will be payable to me.The initial amoont of Credit Life Insurance is the amount required to repay the Total of Payments;thereafter,the
<br /> insurance decreases by the amount of each monthly payment on a scheduled 30 day basis. If I am jointly obligated on the Installment Sales Contract with a Co-Buyer,and
<br /> we have both signed the request for Credit Life Insurance,death benefits will be payable only with iespect to the first one of us to die.Subject to exclusions,eliminations
<br /> or waiting period stated in the insurance policy or certificate,Credit Accident and Health Insurance is for the benefit amount of 1/30th of each month's payment for each
<br /> day that I am rotally disabled due to an injury or sickness while I owe any payment to you;however, I understand that I have to be prevented from working due to such
<br /> total disability for more than fourteen (14)consecutive days before the insurance benefit is paid back to the first day of my total disability. I also know that I cannot
<br /> obtain any insurance from you if I am over 65 years of age today,and I also know that the insurance coverage provided to me may contain a maximum amount
<br /> of coverage which will not pay in some cases,the entire amount that I owe you. Due to the maximum amount of coverage stated in the insurance policy, 1 know that
<br /> any unpaid amount in excess of the insurance coverage will still have to be paid. If the [nstallment Sales Contract is prepaid in full prior to the last payment date, any
<br /> unearned insurance premiums will be refunded to me in the manner prescribed by law Within thirty(30)days,I will receive the certificate of insurance more fully describing
<br /> my insurance coverage. If the insurance is not accepted by the insurance company,I will receive a refund of the insurance premiums I have paid.
<br /> �039 SM-101-NE-A/IG PAGE 4
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