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<br />ADDITIONAL TERMS -
<br />PREPAYSfENTANI) ACCRUAL OF THE FINANUE ('BARGE: t;.yen though 1 do nut huva to pay mare than the rc •ularscheduled osnnthly payment 1 have the right
<br />7� to prepay the whole amount owing to) vu lit lull at any lime or in part from lime to lime. It tho !unsling irigatainn or hank that buys my contract computes tho finance charge
<br />daily. I know,tr)y fjn(tnce charge will Its rt I make an early pa. mcnL and It will he higher if' 1 puy•• late; I alto recognize that unr necessary• adjustment to my total finance
<br />charge will be trf�ected in nn• final hill: I also know that the amounts shown on the nsversc. side funthe Finance Charge. Total of lhyntonts, and the Total Salo price are esti-
<br />mates based on the assumption that you will receive each of the payments exactly un its due data: and 1 know that there will be mr refund if I prepay because there is nothing
<br />ro refund if I am charged on a daily basis. If the lending mstnutron or bank does not compuau the finance charge daily, and if 1 prepay the whole amount, you will refund.
<br />to me the unearned portion of the finance charge (interest) by the accounting procedure known a!� the actuarial method. and the amount of my rebate will be figured on tt e
<br />scheduled dates and amounts of my monthly payment and not on the actual dates and amount,- of- the prepayments that I pay to you. iI know that a refund of less than Sl * .
<br />will not be made.
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />(� V19� as SELLER HEREBY DISCLAII.kt! ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />BILITY' ANO FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR-
<br />NISHES BUYER WITH A SEPARATE WRITTEN L11WrMD WARRANTY OR SERVICE CONTRACT MADE BY SELL-
<br />ER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT).
<br />C in which the manufactured rprodu:1e will be rep ir dEAR placed. i take nRC e f the i�xtir dons m the warranty. and 1 particularlytrecogn recognize that any implied and circumstances which
<br />apphc: I., the goo STasTonly as tints; as thew arramy or service contract.
<br />e (e) I have read, in detail, the separate " LINUTED INSTAL LATiON WARR- ANTI "' which, if made, accompanies this contract. it explains the conditions and cir-
<br />J cumstances to which the installation of the siding will be redone. l take nuticeofthe limitations on the warranty. and 1 particularly recognize that any implied warranty which
<br />applies to the installation as s on y as long as the warranty or service contract.-
<br />SPECIAL -ORDER GOODS:1 know that you have measured my house and its openings so that you can make the products to fit my particular house. l takg :i*ce that the
<br />goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions. i know that 1 cannot cancel this con!Sras.tat any time
<br />afterthe period of time given tonic. bylaw. in which to cancel. After that legal period of time. I know that I have the obligation to pay you in full the amount uees.
<br />OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND 11fY REAi. ESTATE: ). !promise to 1.•m my house in good r :yais and to wee it insured for
<br />11 at least 8ii of its replacement value by buyin g a fire and extended coverage insurance policy. The insurance companyy must be approved by yt�u; and the poky must have
<br />r a beneficiary clause which says that you are to be paid if there is a lost. The insurance company must agree that it will not cancel my policy i.ithout first telling you. i au-
<br />thorite the insurance company to pay you directly for any loss. You can choose to use this insurance payment to either repay any amounts 1 owe you or to rrrvxirmy house.
<br />1 I have the option of providing property insurance through an existing policy or through a policy independently obtained and paid for by me. 2.1 also prom use that i will not
<br />allow anyone else to place any hens on my real estate without your written pemtis. ion. 3. 1 promise to pay all taxes, assessments and other charges on my ccA estate when
<br />due. 4. 1 promise to timely make all payments on my prior loans secured by my real (ovate. i also promise that 1 will not extend. renew or change prior loan~ without your
<br />written permission. 5. if 1 do not insure my house ar fulfill my other obligations to mV real estate, then you ca:r,'o it for me if you want ( but you do not have to). If you do
<br />Cany of these obligations for me. I agree to pay you back on demand plus intemst at,the highest lawful contrairate of interest. Until 1 pay you back, these amounts will,
<br />be added to my debt to- you which is secured by my real estate and house. 1 know that ifiyrtu decide to buy im scirance for me that you do not have to obtain any homeowner
<br />or liability insurance_
<br />SALE OF MY HOUSE:1 promise not to sell, lease orgive my house to anyone until i have fully repaid my debt to you.
<br />DUE ON SALE: if 1 sell, lease ur give my house to anyone before I have fully p, id all I oxve urtder this contract. you can declare all that !owe under this contract payable
<br />at once and 1 agree to immediatelypay you that amount.
<br />ucrAui T: i will tie in default under this contract if:
<br />I. 1 don't make a payment when due. or
<br />2. 1 break any promise 1 made to you in this contract. or
<br />3. Something else happens which causes you to believe in good faith that i du not intend to pay you as promised: or
<br />4. [default on any obligations for which I amusing my home as collateral, or
<br />5. Something happens to my house which threatens your rights. if any, in it.
<br />iF I AM IN DEFAULT: l understand that you have the right to foreclose the Mortgage 1 have given to you and have my house sold to repayany amounts I owe you if i
<br />am in default under this contract. Before my house is sold, you will do everything that the law: requires. if you hire an attomey to assist you to sell.rm, house, or, to sue me.
<br />or. to protect your ri $.hts, i agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches and motseg• }au expended
<br />to protect my house, rf you are allot«ed to collect such amounts bylaw.
<br />OTHER RIGHTS: We can choose not to enforce any of the rights under this contract au often as we want without losing them. Or, we can delay enforcing any of the riglyts
<br />without losing them. We can also use any rights now or in the future given to us by law.
<br />DELAYS: I know that you will use your best efforts to install the products I ant purchasing on my house, bat 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. 1 understand that you will
<br />not be liable for such delays.
<br />ARBITRATION; if 1 have a dispurc.or claim with you concerning the quantity. quality or perrermance of the products, l understand that my dispute may be submitted to
<br />and settled according to the medi. dan- arbitration program that may have developed in •my conim;unity. I also know that any decision made by an arbitrator(s) would be en-
<br />tered in the court havfngyu6c4catin over me and you.
<br />SALVAGE VALVE: l: know rhat the winnows. woodwork, siding, brick and other materials that have to be removed by you for this installation have NO salvage value.
<br />When you remove them..youcaro tuve them .arwhatever purpose you want,
<br />SPECIAL SITUATIONS. CDtlerad'+eunique less of some of the productsthat.yor( sell, 1 undersr,,r_,d that in special situations that your Regional Office may have to review
<br />and accept this contract. I also ufdzrstand that this sale occurred in my home andlhat you ::n3 I may not have had all the correct information important to this transacrion
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