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<br />ADDITIONAL TERMS
<br />PRFPAVMENT AND ACCRUAL OF'FIiF f(NANCR CHARGE: Even though I do not huva to pay nose than the regular scheduled monthly paymrm, l havethe right
<br />to prepayy the whole amount owing to you to fulral any tirreot' in pan from time to time. If the lending insgtutionor bank that buys toy contract computes the finance charge
<br />drily, I know my finance r. has��e will hr less if I make an early payment, and it will he higher if 1 pay keep; t aho recognise that anyy necessary adjustment to�my tens) finance
<br />charge will he reflected in my final hilt; l also know that the amounts shown on the reverse side for the Finvitwo Charge, Total of Payments, and the Total Sale Prise are esti-
<br />matesbased on the assumption that you will receive each of the payments exactly on its due date; and 1 know that there wi II be no refund if 1 prepay because thou is nothing
<br />to refund if 1 am charged on a daily basin. if the lending institution or bank does not compute the finum'o charge daily, and if 1 prepay the whole amount. you will refund
<br />to me the unearned portion of the f mince charge (interest) by the accounting procedure known as the actuarial method. and the amount of my rebate will be figured on the
<br />scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prepayments that 1 pay to you. l know that a refund of fess than S 1.00
<br />will not be made,
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />We Its SELLER HEREBY DISCLAIM ALL WARRANTIES, . EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />81 s AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR-
<br />NISHES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BY SELL-
<br />ER ON ITS_OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT).
<br />(b)1 have read, in detail, the separate - t o -YF AR LIh11TF.D W ARR ANTi'" which, if made, accompanies this contract. It explains the conditions and circumstances
<br />inwhich the manufactured p"ucb, will be repaired or replaced. I take notice of the timoatu•ns on the warranty, and 1 particularly recognize that any implied warranty which
<br />;Wp.lies to the gt sass only as IMps the warranty or service contract.
<br />(c) I have read, in detail, ecru <eparate "LIMITED INSTALLATION WARRANTY" which, if made, accompanies this contrac t. it explains the conditions and cir-
<br />cumstances in which the installation of the siding will be redone. 1 take notice. of the limitations on the warranty, and 1 particularly recognize that any implied their my which
<br />appliestotheinstallation as son yaslongasthe -watrantyorservicecontract.
<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 take notice that the
<br />goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions. 1 know that 1 cannot cancel this contract at any time
<br />afterthe period of time given to me, by law•, in which to cancel. After that legal period of time, l know that i have the•obligation to pay you in full the amount owed.
<br />OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND .%1Y REAL FSTATE: I. 1 promise to keep my house in good repair and to keep it insured for
<br />at least 80% of its replacement value by buying a fire and extended coveragge insurance policy. The insurance company must be approved by you, and the policy must have
<br />a beneficiary clause which says that you are to be paid if there is a loss, The insurance company must agree that it will not cancel my policy with ul first telling you. I au-
<br />thorize the insurance eom y to pay you directly for any lass. You can choose to use this insurance payment to either repay, any amounts 1 owe you orto repair my house.
<br />1 have the option of place pt+r�?erry my real a tare Ql any existing policy or through a policy,,.a&pendentfy obtained and paid for by nee, 2,1 also promise that iwill not
<br />aCl'Ow anyone else t0 place any liezlct)a my real estate %T.. I ul,y�our written permission. 3. 1 pro-nise to pay all taxes, assessments and other charges on my real estate when
<br />done -•4, 1 promise to timely m*e W1,payments on my cr.loam secured by my real estate. i also promise that I will not extend, renew or change prior loans without your
<br />w• a Pgmt scion. 5. If 1 do ncc. Ensure my house or fulfill my ether obligations to my real estate, then you cap do it for me. if yrou want (but you do not have to). if you do
<br />,3, acay o f dr- w.obhgations for me, i agree topey you back on demand plus interest at the highest lawful contract rate of interest. Until 1 pay you back, these amounts will i
<br />[+e• added to my debt to you which is secured by, to'ti real estate and house. 1 know that if you decide to buy irsurance for me that you do not hive to obtain any homeowner
<br />twh;bility insurance.
<br />SALEOF MY HOUSE: I promise not to sell, lease orgive my house to anyone until I have fully repaid my debt to you.
<br />DUE ON SALE: if i sell, lease or give my house to anyone before 1 have fully paid all l owe under this contract, tou can declare altthat 1 owe on this'_^..lLt�sCt t~3 -wt- -
<br />-at once and l arm ni_ m_ .atel., .. -- - -._..
<br />A ,._'t_ .tll...°'d.......r r3Yy'�.SShat3ilioanr. _ .. -. _. _
<br />DEFAULT: I will be in default under this contract if:
<br />1. 1 don't make 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 l do not intend topay you as promised; or
<br />4. 1 default on any obligations for which 1 amusing my home as collateral; or
<br />5. Something happens to my house which threatens your rights, if any, in it.
<br />W i AM IN DEFAULT: I understand that yeu have the right to foreclose the Niongage 1 have given to you and have my house sold to rcpa ;.a�z amounts ).owe you if 1
<br />am in default urrderthis contract. Before my tuzuse is sold, you will do everythfagthat the law requires. If you hire an attorney to assist you to set) my house, or, to sue me,
<br />or, to protect your rights, l ague to pay you for your reasonable attorneys' fees 'and for other related expenses such as court costs, title searches and money you expended
<br />to protect my house, if you areal' to collect suchamounts by law,
<br />OTHER RIGHTS: We can cboiiS. Znot to enforce any of the rights under this contract as offer. as we want without losing there, Or. we can delay enforcing any of the rights
<br />without losing them. We can also Lse any rights now or in the future given to us bi Raw.
<br />DELAYS: I know that you will use your best effrnsts to install the products t a:�lterchasing onoy house, but i also understand that in sorhm'sahsations you may encounter
<br />delays that are caused by strikes; weather conditxu�tis, delays you have in obtaining materials.. ot,for other reasons that are beytiad your control. l understand that you will
<br />not beliable for such delays.
<br />Aig$ITRATION: if I have a dispute or claim with you cones ix g the quantiit�y , quality or performance of the products, i understand that my dispute may be submitted to
<br />and'settled according to the mediation- arbitration program that inay have deveFoped in my community. 1 also know that any decision made by an arbitrator(s) would be en-
<br />tered in the court having jurisdiction over me and you.
<br />SALVAGE VAWE: 1 know that the windows, woodwork, siding, brick and ether materials that have to be removed by you for this installation have NO salvage value.
<br />When you remove them, you can have them for whatever purpose you want.
<br />SWICIAL SITUATIONS: Due to the uniqueness of some of the products that you sell, l understand that in ape 1 sit rations t[3ai your Regional Office may have to review
<br />an4 azcept this contract. l also- 44tarstand that this sale occurred in my home and that you and Finay not have kad a!l the correct information important to this transaction ,
<br />atourringertips; i give you myconsent to correct any obviouserrors that may have occurred whenttie blanks in rUs"Fo'rtract were completed.
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