|
.. •'�f -.V u � .. ..le. .. 11 thtj��lf - >��+„1�L1
<br />_ -- e.r�P!,4 ff NlilM .rfV�• ,� __._. .__ - -.'
<br />.. �. 90-107055 ADDITIONALTERMS
<br />AYINENTA[VDACCRUAL OF NANCE CHARGE: Even though 1 do not have to pay more than the lesular %cltctluiut monthly payment, l have the right
<br />to pay Ilia n9tnsing owlag to you in full at any it= ox in put from drive to lime. If the lending in %titwistn thr:l bas s my contract campuses tiro flnanceKha�ge daily, '
<br />1 k w m fllwrJe ch�a�a will be less 111 mate an early paymcni, was it alts ba hlgtter if !(a.y late; ! st:., r`caggnlie that xty street ary sf}usumat to my tots. fin�ce
<br />ch will be reflected my final bill; I also know that the amounts shown on the reverse aido tsar the Fnattce Charge, Taal of Paymems, and the TiNfil Sale Prlco taro - - --
<br />tt esti hued an the assumption that you will raceive each of the payments exactly on its due date; and 1 Y.nnw that there will bo no refund if 1 prepay because them is
<br />r• tuNhlnpp to and if 1 am charged on a tail basis. If the lending institution does *A compute the finance charge dallyy and if I prepay the whole umtwnr, y will refund
<br />o , to 1110 the one korr of the on e e charge linteresl) by the accounting procedure known as the actuarial medu ; and the amount of my rebate will tie gored on the -
<br />_ scheduled doer amounts of my momhly payment and not oft the actual dates and amounW of the pct faymenls that I pay uo you. l know hiss a refund of etas than f I .W ; ,, •
<br />will not be nude• may voluntarily prepay lire amouunt l owe you. in full air in pan, at any urea. If I make a panel prepayment. 1 mu +h sorunrte to my regular
<br />payments until 1 s paid all amounts owed.
<br />IMPORTANTM CE ABOUTWARRANTIES: (o) SELLER HEREBY DISCLAIMS ALL WARRANTIES EXPRE88E R IMPLIED: -----°
<br />OF MERCHANT ILFTY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UN SS SELLER
<br />FURNISHES BUY WiTH A SEPARATE WRITTEN LNWITED WARRANTY OR SERVICE CONTRACT MADE BY LLER ON ITS.
<br />- OWN BEHill (big 1 ve read, in detail• the separate "LIMITED WARRANTY" which accompanies this contract. h explain, the nlic condition and clued circumstances affa to
<br />which the manufactured acts will be repaired or replaced, 1 take notice of the limitations on the warranty• and 1 particularlyy rrcaggnice th any implied wartaaty
<br />which applies to the goods ash my as long as rho witrronry or service contract. (c) I have read, in detail, the separate ••LIMITED INSTAL ATIO WARRANTY" which.
<br />if made accompanies this con .
<br />It explains the condtttons and cireumrtances in which the p of the siding, siding necessaries. gutters will be redone. I r.
<br />d i h a lies to the installation lasts only s long a% the warranty or
<br />s1 '1:
<br />lake notice of the limitations ore 1 warranty, and 1 particularly recognrre that any impose wartanty w pp r .
<br />service contract. S'
<br />LIMITED MIIRRANIY: M/ sole and Iusive reeedF alainsl In w Few assfAees shall be haillad to my flights old tflI issin railer the ties 10 Per LIMBED
<br />WAD= yee 11011d to lee at the e 1 sip this Count, My Imitative rilbts aM [moos oath: tAe wanaldf shall M to lieu o1 a ethu rights N nalies.
<br />at lair w is tit 11. wtleti ileitted icabt1131110 lap. t,
<br />ALL WNUFACTINtED NINDDN PRODUCES NOT GUARANTEED AGAINST CONDENSATiOM, MOISTURE FORMATION OR FROSI. PRODUCTS NOT GUARANTEED AGAINST �;'. ;::;• . ;�
<br />coRNOt1oN ouE m wllt� cl•uunc c �;: ,�:' %�r''''`'; .y`,, ; �' • .
<br />BUYER, REAM THE OWN 'III YEAR t1ARRANTY" 41NICN S A SEPARATE WRId1EN INSTRUMENT PERTAIMilo SOLELY MANUFACTURED PRODUCTS OF
<br />'TNE PAGESEMR CORPM11ON AND WHICH "LI 0 NARRANiT' HAS BEEN 0111VIRED TO EACH RFSPECTIVE•BUYEA IN CONNECT( ikAN 1TIIS SALE. PACESETTER'S '� "i�I`f' Sri• °t,;'.;.,._ -,
<br />ARRAIIPf AND 1T!E FORE641t16 ROYlSIONS REf3ARD1NG CONQEiISATiOR DO NOT APPLY TO SIDING. �r,
<br />TO YEAR LIMITED YI f
<br />Flathar, The Pacesafler Corporation Motu N PRESEtITATION OR WAIRRANT'f OF HY HIND OR NATURE WH:ITSOEYER, EN ESS OR IAiPLIED, WITH RESPECT 10 is =
<br />THE ENERGY SAYINGS I COULD OR MAY ACHIEVE BY E OF iii PAODUCUS). 1 understand that any enemy savings 1 may a • ro Is dlpaadaml upon a oulabat a9
<br />factors, ificludieR, bill not limited to, the type, quart and quallly of insulation In my homa, the particular she and s of -MY home, the tt�FpplI of 418011•otl ;• ?) ;''!;'' 'i `rµt� ,t:
<br />Construction of my home,
<br />my particular life sale, tq n her Of opeallns is my borne, proper monrtarieA of thenloetat bogs, � fruitic eonditloas and location `'
<br />if eIF boon, and eren the type of ellerp consueled for h tinA and air coaditloainA purposes. i i a _
<br />dowers ro•talta r •r
<br />SPECIAL -ORDER GOODSt 1 know that you have measured m house and its openings %a that you can make the acts to lit my particular house and that the gnod%
<br />probably .will not fit an other houses, so 1 know that I cannot can el this contract at any time after the penned of it given to me by law in which to cancel. After that
<br />legal period of time, 1 know that 1 have the obligation to pay You full the amount owed.
<br />COMMENCEMENT OFTHE FINANCE CHARGE: Tlta finance huge (interest) 1% estimated to slap w nhin Jays of the date did rhtr contract. except in the event
<br />yoil complete the installation of the goad% oned services on amaof date, en the finance charge (interests will hegt n ran an the date that I sign the Completion Ceniftcale.
<br />tore amount of finance charge (interest) may he more or less than the punt disclosed depending % the •area ms I pay you and my rinleHnc%% m making payments
<br />OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AN "Y REAL FSTATF.t I. I pnomke keep arty house in godid repair and keep t m %used fax at
<br />least lurk of its tepiacemem value by buying .+ fire And cstcaded canscmg In:ura ce feelhcy. 'llte insurLin• r ri p nv mum he approved by vou, and the policy must have
<br />a beneficiary clause which says that you are h1 he paid if there I% u Ins%. insurance company mum all that tit will n.1t cancel my puhcy wilhlut fiat telling ydw. 1
<br />authoeice the insurance company to pay you directly fair any lo%%. liu call ,dose ht use this Insurance p niem w either repay any amount-, I owe yolu or br repair my
<br />house. 1 have the option of providing pn?crly insurance through an existing they tar through a policy In •rmmknlly nMamed and paid for by me. 2. 1 also promise that
<br />1 will not allow anyone else to place any liens too my veal estate without your niten permi%dom. 3. 1 p use to pa all axc %, amse%%rnont% and tether charge% ten my real
<br />estate when due. 3. 1 promise to Timely make all payments tin my prior loan%%► •urcd by my real estate. ul%o1 pro I ill nW extend. renew or change or Iwms
<br />wlthaul your written permission. S. If I do not msurc my house or fulfill my of obligation% to my rc estate, than can d t for me tf�-ou warn (hut all oho not hate
<br />lot• If you do Pa any of these abliggminrn far vex. I uggtee to pay you hack on and plus mlere%l t 1 I cool owl rate of mterem. I1nri1 I pay you back•
<br />lieu amounu will be added to my deM to you which is acurcd by my real estate aid house. 1 kn11 t t if y deco inwrvex (hat you o out have to
<br />obtain any homeowner tar Ilabillty insurance.
<br />MORTGAGES I hereby grant. bargain, sell comfy uldl moogage to you• a% Mon gee. my re estate and tit se -aced at my ” ten :fie ether +ate
<br />of this contract as secunty for all amounts due ten you under chi+ Imm�llment Sale% retract.
<br />DUE ON SALBs If 1 sell• lease or give my house to anyone before f leave fully pail all owe u r this contract. you can hat owe under this contract payable
<br />at once and I agree to immediately PaY Yaii that omoum. \i
<br />DEFAULTt I will be in default under this contract if: I. I don 1 make a payment when d : 2 I break any pnimix I de 1 oil I. th s convect: or 3. Something else
<br />happens which causes you to believe in good faith that 1 do not intend to pay you as promo : on 4.1 default on any o toll t as h I am usijtloy home as collateral:
<br />OF S. Something happens to my house which threatens your rights, if any, in tit.
<br />COLLECTION COSTS: If 1 am In default of this contract and you demand full payto L undersumed That you hate t right to f reel t nuingagc i have green to
<br />you and to have my house sold to repay any amounts 1 owe you. Before my house n Id• y u will edo all that the law gqmire%. I d sf aid al ynu hire an aaomey
<br />to assist you in the enforcement of your nghts, including the sale of my ho ter u la sea. 1 a tee to pay )'oil for reasolnable m10 y an who: related expenses
<br />such as court costs, tide searches and money you expended to protect my house. s you arc n owed to inflect such amours I
<br />OTHER RIGHTS: You can choosy not to enforce any of the rights under this co ct as often % you want without losing t y can delay enforcing any of the
<br />rights without losing them. You can also use any rights now or to the future gw n to you by la
<br />DELAYS: 1 know that you will use your best efforts to install the products I am rcha%ing on my use. but 1 also understand th t In some situations vou may encounter
<br />delays that are caused by strikes, weather conditions, delays you have in ohs rag matenals, ar for her reason% that we beyond your control. 1 will nw hold you liable
<br />for such delays.
<br />REQUEST FOR FULL PAYMENT: If I um in delaull under chi% contras vou can deviate all that I a c under thi %contract ppayable at once. I agree it) fay you interest
<br />on that amount at the maximum contractual rate allowed by Iaw until the - 1111unt 10%%e pin I% paid. I al%t know that vou can fnrtwlo%c the mo rigage I have given to )au.
<br />ARBITRATION: If I have a dispute or claim with you concerning the quantity, quality or petformarxe o he pnducts. I understand that myy dispute may be submitted
<br />to and settled according to the mediation - arbitration program that may have developed In my community. I a 1 noiw that any decision mask by an arbitrattx(s) would be
<br />entered in the court having jurisdiction over me and you.
<br />SALVAGE VALUEt 1 know that the windows, woodwork. sidling , ck and other materials that have to l+e it ved by you for this installation have NO salvage value.
<br />When you remove them, you call have them for whatever purpo want,
<br />SPECIAL SITUATIONS: Due to the uniqueness of sonic oft products that you sell. I understand that in speci % ituations your Regional Office may have to review
<br />and accept this contract. 1 also understand that this sale occurred in my home and that you and I may not have had all correct information Important to this transaction
<br />u our fingertips; 1 give you my consent to correct any obviqus emus that may have occurred when the blanks in tht contract were completed.
<br />INVALID PROVISION& If any provision of this conuaci folates the law and t% unenforceable, the rest of the contract ill be valid. If any pan of this contract requires
<br />he 1 its then ou ill and have the right to collect from me the amount of int It which tine law alklws you to collect.
<br />payment of more interest than t aw perm . , )
<br />COMPLETENESS OFTHIS CONTRAL*T, 111% coon act can inly he changed of bonh you and I agree in writing
<br />NOTICE
<br />ANY HOLDER OF THIS CONSUM CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS ND DEFENSES WHICH THE
<br />DEBTOR COULD ASSERT AGAINS THE SELLER OF GOODS OR SERVICES OBTAINED PU UANT HERETO OR WITH
<br />THE PROCEEDS HEREOF. RECO RY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEd�AMOUNTS PAID BY THE
<br />DEBTOR HEREUNDER. \\
<br />INSURANCE CANCELLATIONt If I It e reyuemed insurance in Ohl% purchase. I ilia) cancel such requcm flat insurance for any mason within fifteen (15) day% loom
<br />the date of this contract by notifying you the holler of thi%contract in %%riling. 1 know that the cancellauan of n1y rot eragc wed) bt anon d wash 111e insurance carnet) %1
<br />and a full refund of my prettriumisl to (her with applicable finance charge will he credned to ihim contract. �
<br />PLEASE NOTE: If 1 have Mrelyocsted surance m IhI% purehu%c. I w•ul rccenc %% min) o "'o u.ly, a ccoiu"o%..ic ......�
<br />I know that if Irince h is any conflict the co%eruge ter the lunguage ill the cenihcate ail al+unni%e and the Inlluwmg Nettle vet Ntq%,,cd In+urrn+ that I am cusered anl)�ho
<br />the extent sn the fwlowoe • atice of Proplo %ed Inwrince- 1 alma know that I haw mi%uorece % +.%eldge only d" I home been charged for
<br />NOTICE OF PROPOSED INSURANCE
<br />I take that enha reds Life .x Credit A.:cidenr and Health Insurance. ter tooth. will be applicable w the%In,tahlment Sales. an • remme melt only if
<br />I have chos;. mint the reque %t fir .arch m,;urmta l'biv insurance %+dl .%atv corer the person %ignmg the reque,t at the curt feet each 1% of in%rance shown.
<br />Subjject a ance h he m %urance compaac the invurxrv:,t w k e(tectlue islet beta) Joel will continue only for the number of nd.nths after l effech%e date equal
<br />fit ire nummo ly paymenl'. 1 under%rJnd that the, par „�r.�ar insurance may Ittet provide cowrlge 1 tar my lam few payments, and that during i at penlrl set hmc
<br />will not hamin rance cmerage. All lenetits and proceed. e f ehe is >urance wilfbe paid h• you lar to a f vmncfao in,lltumin If a purcha%c% fix In%6dhn 11 bales Contract
<br />fn the exte atefevs and in•. balance will he payable • �e 'P ±c Eamal amount n( Cnadit Lite Insurance n the amount required to reppa% Ilse TI I elf payment,:
<br />thereafter. trance decrease% tv the amount of each nwtifith pavrenr on a scheduled ?n day ha,i+ It' I Linn witilh ohligJted lave the In,talliient Sae l'ontract with
<br />a CI *Buyere hate lath signed the reyue%t (air Credit t.lte In.;urar ✓:e. death henefil, wdi he p ;nahle nnl� %%tih repeat In the fir,: one ill u, n. die tiubtect i e+cluunn,.
<br />elimination iting penod slated in the insurance polic<• • t certificate. Ctovht Accident •and Be.lfth In%utaiuc 1% felt the hencht amoitnl of 1 u4h al each rum 's pavnlem
<br />for each flay that 1 am totally disabled due tf. , an raj an i.r slckres, whit:.' ..we Joy paynew h• you: basses et. I unJer,IanJ that I have to be prevented from w kin due
<br />to such tool disability tot more roan founcen i I•t, cnnwcutr.e dav% W.'re the llisarwae benellt I% paid hJck to the lust day of ors total dnahiht). 1 also kn that 1
<br />cannot obtain any Insurance from you if I am Mee b-s yeafn of age today. and IM LS04MOR that the lasw•attce coverage provided to me may contain a ma nium
<br />amount of coverage which will nw pass to some cases, the tntire amount than 1 owe op. rye fu thr maainum amount of co%era$c muted to the tmurancc qi
<br />know that any unpaid amount m exce%, of the muram e c•. •erage we]: sell have, }}pp iw p:l d. If the its ooh t Salaa Contract n prepaid m full prwr to I Ia,f pay •ni
<br />date. any unearned Insurance premium% will he refunded rn .e rn me r-,anner ptfsfritxd by law. Within thirty 1.101 da)s. I %%dl rece•ne the certi icafe of m %uruncc ran
<br />fully de crihor,g m) ir.:,urance average- If the insur ante • '• r .i -erird F.y the inwr;ll- company. I will ieceiw a rclun,l ail the in,uran+c prcanum% I haw paid
<br />I
<br />I
<br />r
<br />,
<br />
|