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<br />�_,.., 10714'7 ADDITIONAL TERMS
<br />ENT
<br />PREPAYM AND ACCRU F THE FINANCE CHARGEt Even though I do trot Iwve in pay more than the regular scheduled monthly
<br />to prepay the whok amount owing to you in Nil at any nitro or in pan from time to lithe. Ildw lendfag institution tlW buys my contract compute
<br />1 know my ntlarice cue will be less if t make an ly psytrtem, and it will be higher if 1 y late; t also recognize that an necessary adJut
<br />charge will Ikceed in my final bills 1 also krA Qtai the amatatu shown on the reverse side for the I'mance Chap. IbW of PaynWrine, u
<br />alienates bead asw Ural garf win revel each of the payments exact) antis due due. and 1 know that them will be no refund it
<br />ntNhfng to relillld If charged on a dailq basis. If Ills lending institutiga dries pot compute the finance charge dailq, and If I prepay the whole
<br />to the the trndurrcd of the fiaurce r:huge fine t 1) by tiro accounting rocedure known a% the actuarial method: aced tied amount of my eel
<br />scheduled dates Samoan bt my monthly payment and real ^n the actual �les and atarxwnis of the l"yments that I pay In, you. I know that r
<br />will not he ttlade. I nay %ol ly prepay the amount I owe you, in full or in pan, at any mire. if I fluke a partial prepayment. I move cure
<br />psytnenls unit 1 leave paid all is owed.
<br />IMPORTANT NOTICE AS WARRANTIES: (e) SELLER HEREBY DISCLAIMS ALL WARRANTIES, EXP l
<br />T'
<br />0film
<br />lent to my, t tlttanoe
<br />the Tixa1 i'to ate
<br />.ocw a
<br />d of less than SI.W
<br />to hake my regular
<br />D OR IMPUEO
<br />LESS SELO
<br />FURNISHES BUYER WITH A LIMITEO WARRANTY OR SERVICE CONTRACT E BY SELLER ON ITS
<br />OWN BENALR lby 1 have readin parate LIMITED WARRANTY" whkh accampantes this contract. It expWns conditions which the avan declured amduct11 a replaced. 1 take naive of the limitationwhich applies to the goodslasti only o arranty or service comact. (c)1 love readif made, accompatlles chi► contract. Il anditfam and circumstarrra in whack the take notice of the limitations on the waanicululy recognise that any implied wananty w c applies to the festal Mn lasso only las�ong ati the warranty rat
<br />service contract.
<br />1.111150 WARRAATY: My s* eW eaclluire n jalmst IN et Prim Ww MU N IiINAN le tsty hilts OW r 0113 under tp eXPU 11 IM DIED
<br />tTlA1IAlI1V Ill now to lee at tM on 131 th t ontlecIL MI ettltltahte f�A b aid rw0iO lift W ale wUMO M 0 tier of a11 etW tints el W861L
<br />at In or In WAY. when penelited b III gukil s Iasi,
<br />ALL IIANB iNNDOW PRODUCTS ARE 19T ED AGAINST CONDENUTIOII, NMI FOMMATIOII t?tRBll,OS Of NOT GOAM O A6ARIST
<br />COAMOSiOM u in ADVERSE CLIMATIC CORORNNS.
<br />IUYER, RFAO THE SEPARATE "11 YEAR UNTO W ' WHICH IS A SEPARATE WRITTEN 111STA ANH0 SOLELY TO MANUFACTOREI PROOYCiS OF
<br />THE PACESEM CORPORATION AIM WIM11 `UMITEO W HAS REEK DELIVERED W EACH RESPEC IOTE1 IN CONNM= WITH THIS SALE. PACESEFEEI'S
<br />11 YEAR UM TIO WARRANTY 1111 THE FOREGOING PROVISIONS CARDING CONOEMSADON 00 NOT APPLY Stltll�G.
<br />Furtler, TM Pacesetter Colin bee atolls NO REPIESENT N OR WARIUM OF ANY (ONO of WMISOEVER, EIPRESS OR IMPLIED, WO RESPECT TO
<br />THE ENERGY SAVINGS I COULD OR MAT ACUR II USE OF THE ODUCITS). I uodersteid that attain 7104 acklere is depobit upm a inket of
<br />faders. ImC1oft, Amt not lilellid to. the typ. tlllaatilf and qua ry of Inselatiom in oV loll h1 particu anal style of my Adele, the tyrypp of ,wain of
<br />coestrucloo of mry kne, my p licalar life style, the number of o mats in my homle, pro monitorial oWwl so thWs, climatic coWlltioet and location
<br />of my lone, aid Brea the tpo d wig coswmed tot hntiol and It coed floniq pulp .
<br />SMIAL -ORDER GOODSt I know that you base measured my house its ape In so that you can make the ptoducti to tit m} particular house and that the goods
<br />probably will not fit any other house+. sa I know that l cannot cancel this retract at y time after the period of time pjt%m to ma 'ry law in which to cancel. After that
<br />legal period of time, I know that 1 have the Wigwam to pay you in full attou owed.
<br />COMMENCEMENT OF THE FINANCE CK11RUE: The finance charge ink . n is estimated to start within 30 days of the date of this contract, except in the event
<br />goat complete the installation of the goods and services on anotherdate, then th f or charge (interest) will begin to run on The date that 1 sign the Completion Certificate.
<br />The amount of flume charge mucttestf truly lo
<br />y be more or less than the amoun issed depending on the amounts I p yo d my timeliness in making payments.
<br />OBLIGATIONS WMA1NING 110 PROPERTY INSURANCE AND M AL ESTATEt 1. 1 promise to ee se e good repair and beep it insured for at
<br />least 809E of its replacement value by buying a fire and extended coverage ' sea cc policy. The insuram a company si a ed by you, and the policy must have
<br />it beaeftci:u} :tMW which :ay. shall you air to W Paid If there i, .. ice,,. in c �etnpaay arrust agtcc :hat it M ina: my pofr.�•y' u;thout first telling you. I
<br />authorise the insurance company to pay you directly for any loss. You • choose n use this insurance payment t '!her pay any amounts I owe you or to repair my
<br />(louse. I have the option of providing p ity insurance through an a tiog policy r through a policy independently coed amt paid fo me. 2.1 also promise that
<br />1 will tux alkw uryone else to place any liens on my teal estate with i your wrtnen Mission. 3.1 promise to pay all taxes 1% it other charges on my teal
<br />estate when duz. (. 1 promise to timely make all payments on my or loans xcured my real estate. I also promise that tun to d,Ltrnow or change price loans
<br />without your written permission. S. If 1 do not insure in house or hill rep other obit lions to my real estate, then you ca o ii for to f dl) want (but you do not have
<br />to). If you do pay any of these obligations for me. I agrco To pa you hock it demand us interest at the highest lawful ntet of merest. Until 1 y you back.
<br />these amounts will W added to my debl to yrru which is secure by my real estate and to ve. I know that if you decide to sea me for me That you do not have to
<br />obtain any homeowner or liability insurance.
<br />MORTGAGE: I hereby gram, bargain, sell, convey and gage to ycw, as Mormagee, • real estate and house located at ..., 'dresi' desi na[ed on the other side
<br />of this contract as security for all amounts due to you send this Installment Sales t'ontract. i
<br />DUE ON SALE: If 1 sell, lease or give my house to any, before I have Tully paid an I owe it cr thes kumruc4 Noll tan declarc a ri im to ei rah , contrace pay able
<br />at once and I agree to immediately pay you that amoun .
<br />DEFAULT: I will be in default under this contract if: 1 1 Joni make a payment when duo or 2. break any promise 1 made to n the. c t: or i. Something else
<br />happens which causes you to believe in good faith that do nix intend to pay you is p;omtscd; or 4. fault on any ob6gatiduts for hich 1 using my home as collateral:
<br />or S. Something happens to my house which three s your rights. if any, in it.
<br />COLLECTION COSTS: If I am en default of ehI, ontraci and you demand full payment, I undersea it that you have the right to foreclose Use mortgage I have given to
<br />you and to have my house sold to repay any amo is I owe you. Before my house i% sold, ycw will d. II that the law reports. I understand that if you hire an attorney
<br />to assist you in the enforcement of your nghs, a uding the vale of my house or a lawsuit, I agree to p.sy ou fur reasrmatsle anomeys' fees and for other related expenses
<br />such as court costs, title searches and money y expended to protect my house, of you are Alovt. to Ilect such amounts by law.
<br />OTHER RIGHTS: You can choose not to en f tee any of the nghts under this contract as often as you wa without losing them. Or, you can delay enforcing any of the
<br />rights without losing them. You can also use y rights now car in the future given tO ycw by law.
<br />DELAYS: I knowthat you will use your bes efforts to install the products I um purchasing on my house, but ho undenaand that in %time situations you may encounter
<br />delays that see caused by stokes, soother c nditions. delay% ycw have in obtaining matenah. or for other tea. s that are beyond your control. I will not hold you liable
<br />for such delays.
<br />REQUEST FOR FULL PAYMENT: If anti n default under the, contracl. you can dc, late all that I owc under t H contract leasable at time. I agece to pay you interim
<br />on that amount at the maximum contras at rate allowed h% Iaw until the inuwni I owe you is paid. I ;also know th you can loreclo,e the mortgage I have graven its y.w.
<br />ARBITRATION If I have a dispute claim with you concerning the quantity, quality tit performance Of der Prod cis. I understand That m }' dispute may be submmed
<br />to and settled according tot medlaf n- arbilratite program that may have developed in my community. 1 also know at any decision made by an arbttratoro%) would be
<br />entered In the court having jurisdici n over me and you.
<br />SALVAGE VALUE: I know that i windows, woodwork, siding, brick and other matereals that have to lie removed h rut tax then installation have NO salvage value.
<br />When you remove them, you can ve them for whatever purpose you want.
<br />SPECIAL SI UATiONS: Due the uniqueness of some of the products that you sell, I understand that in special i utat m your Regional Office may have to review
<br />and accept This contract. I also derstand that thn, sale occurred in my home and that you and I may not have had all the ct information important to this tran,arunn
<br />a our fingertips: I glue you m consent to correct any obvious ermn that may have Occurred when the blanks en this .rant r wort completed.
<br />fNVALH) PROVIfiIONSs 1 y provision of this contract vwletes the law and is unenforceable, the rest ol'the contrtcr wall he ).; 'i a iy pin tit then contract rcywre+
<br />;uyrnent of more intercat the law permits, then you well only have the right a, collect from me the amount of tftaerest w the saw allows you to collect.
<br />COMPLEiEN ESN OF IS CONTRACT: This contract can only he changed if both you end I agrce in wnttnc
<br />NOTICE
<br />ANY F10LDE OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND FENSES WHICH THE
<br />DEBTOR COOL ASSERT AGAINST THE SELLER OF GOODS OR $IrRiDiCES OBTAINED PURSU HERETO OR WITH
<br />THE PROCEE HERECCE RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AM LINTS PAID BY THE
<br />DEBTOR HE UNDER.
<br />ItiSURANCE CA CELLATION: If I have requested insurance in this purchase. f ntav kanccI iucR inquest (.,r r,"ni7ce for in% reason w it n fifteen (15) day, tr••m
<br />the date of rhos c vacs by notifying 5 o or th R JJer rat do, contract m sooting 1 kr..,r that the a aneCllalun r( my : n'.:: a1r w dl be arranged ta n the msununke careen•'
<br />,red a full refu of my p..,umf,i together uirb .spplrcahle finance char,tc will Pee ,re:d,tcd 1, the, Iwtimdct
<br />IPLEASE i If l ha,e regwjesh m,urrnce m thi, purchase. I will rcccoc wohm nury' 1, •.tale, a earl icate of ir._:arke more lull% describing th msurarlcc:v%crape
<br />I aeiow atu it r le a, uny c,int[r:r m me covengc .v me Ian;tua:a •+1 me kentlu are „r msuun,e rhu II „w mu �•,hec tit rT,p ,,ea tmurrnce mat I m avvrrea,,nn c•
<br />the etttnr sure in the tn[l,umu M1ohce .,f Pr.+pnsed (nstuart_; ; ., kta,w that ! h no In,Uran;G : K.Ice onh if 1 have been .tweed for it
<br />NOTICE OF PROPOSED INSURANCE
<br />i tale tletnit elth er Credo Life .,r ('redo A —ident and Health In,urim r • •r h„Ih � elf n apphcahle t • fh., f•t,tallmem tills, ('nntraa on the rt ve a ,ode only d
<br />1 (woe alto' It rn ,rgnrng [Its request tt•r su,h ir.,urdnca Th„ in,urame %%ell ••n 1% s, +err ttu person sigma: nw tiquc,i at the k,•,r tr,r each fvpe ,d inw nce ,h.•wn
<br />Subyst to ,- prance v rive inaarrnce company. the insurance •,II M rftcaiv c a, rt r,vtav and u .:I _.a :rani a naH r..r tai,• number ,a n:.,nth, .titer the ettcctn ',-no equal
<br />to sloe hum r Ot mon;al) payments I unJentand shoe tin, particular m +urarcc uiav n•,t pr..v „t< r,;,t r. r v Ice d rr,+ C•,% menr .end thrt during that yon, f sons 1
<br />will nr,l ha a any uisuwiux,,,%erage All tien0iP and p1RTed, tit the insurmcc w'It K. raid L • . �• ..r r ., r nan.,rl ,n,1TlArwn i a p,u%hAscs the ho,tallinent Site (••nirAl
<br />au the ext i of es interc,t, and an% Mince wall be pavahle to me Ric initial rmuunt of Cre.nr f rte f - •ucrn.r •, stir .um,unr rV+1lrCd to reppo% the Total set P omen,
<br />thcrealter the inwrawl: de,rta,:%by the amount of each usmthl% pa%nnnt .m a s,hcdu4J x,l,,.e, '•.n„ It t .tan ,..,nil. ,•hla, rod „n nic Imtallmeor S,ilc +(•,ntr r with
<br />aC'o -Buy r, anidsichachtuhsegnulltheictluesslur(' nditLdeln+ urance, Jcdthl+ rnchtswdlfkpavahle , +nhwnhrt•prvriarhrhrstOrxr +t it, 1. tiuhre,unes,l,rnns.
<br />clinlinau n%or waling period +fated m the inwrance p,shcy or cciLlicate. ('redo Ac,edem anJ lie,dth Insurance i, L.r the Isrncfit amount rat 1 L Ilh,,t cacti nmoth', ,.t norm
<br />for each that Ism h,talh disabled du-- to an injury set wkno, solute 1 tiwe am pay iiwni to vote, however. 1 under,and that I have to Iv prewnwd Irvin wo due
<br />to such sal ch ibelit) for more than louncvn i We wrisecutoe dos, N-low the tiisurame henein n aid ha,k t, the tint day of rats wtal J„abih1% I also knots t at
<br />cannel tale any emtuanor from you it I am over 65 year• of age today, and 1 alai know that the Insurance cmerrge provided lit me may contain o maximum
<br />aumat cosvintie which "III not pay in same cases, the entire amount that 1 owe yfw. Due to the mdxuuum amount of u,wrage .toted in the m,ufame poh,%. I
<br />know th t am unpaid anxwnt in excess of the m,urame coerage will ,tip hair too e.• I,a.d It the In,tallenent %ale, Cowrakt i% prepaid in full prior m flee la,t pa%nicnt
<br />date. an unearried insurance premiums wdl h whinded to me in the i, inner prc„nl4d by law Within thin% t vat, day, I wall rccow the ,emh,alc „t nourana 1111,1•
<br />N11% ,le nAmg im ui,uurke I.owrarc It the• m,uraeke i, met a„rplctl b+ the :r..urark:.,•ntp.un- I .dl t:.rnr , rch n.l of th,' unman,, prcom 1 h.,.: pail
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