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<br /> .,� �. AD�ITIONALTL'R�A8 ��" ���1 °
<br /> pREPAYM�NT ANDACCRUAL QF'PHG FINANCE CHAR(i�:8ven though t do not hnvo ta pay mora than the agular echeduied mon�t ty nayment;ITi�vo�1►e d�ht :�-��•�______,�,_.
<br /> � co pmpay the whalo amnunt owing ta you in fUll nt any Uma ar tn part from timo to timc.(t thc Icrtdtng inatitution thut buyn mp car.lmct camputea tho Iinanco chargo da ly, %� -.
<br /> i� • I know my itnu�co chugo wi116e Icss iP I mnkc an cutl p ment,and tt wil!bo hi her it 1 pa Into;l also�cu nlao that any ncc¢asary u�usunent to my wtel�inancn -_ -'�-
<br /> � chuge wilt be aticeted in my flnal bill;I also know thni the anounte shown on thoroven�e dQe Por the Fi�ance�hurge,'Ii�inl of Paymcnte.and tho 7htai Sato Prtco ar n ,'� ��
<br /> � � esHm�tes based an tho assumptlon thst you w81 rcceive eacb of thopayment�oxaetly an it»duo d�te;and 1 knaw thot thero wfil be no�eiUoO it 1 pmpay because the�e in ; �,�„ Y_
<br /> �othin to RNnd it I un chuRcd on a dnily basie.tt the lending in6tltutlan Aoea not computo cho 8nmce charge dai�y,and if I prcpay the whalo amount1 yas�wHl i+etlrnd '`�.?
<br /> � " ta mo�uneamedponion ot tho flnunce chargm pntetent)by the nccaunting pmecduro known na tho actuui�l met9od�ond tho amount of my tiCbAtC KIII 00 fl�UICd[1!I lIM ^ �':':}°`°,�.�._.z�
<br /> kheduled d�tes�nd mnounte ot my monthiy puyment and nat an tho nctuai dou�and amaunu a!tho pmpaymcncs that��ay to yau.l kn�w thnt o rc1Lnd otleae thwn SI.QO �
<br />— �� � wUl not bo mu�o.1 mey volumuflY�nie�Y ihe�maunt 1 awe ycw,in PoII or in patt,at any dmo.Itl muko a pxnirl prcptiynknt.l muu conHnua ta malco my rogulu !`-.=`�.°=.`�'- -- -:- _ _
<br />— " „ puymema unUl 1 hAea pald all amounts owcd. '�� ��
<br /> � � IINPOtiTANTNOTICEAtOUYWARRANqi�B:(�)SELL�ri�H�R�BY�i��LA1�lSALLWARRANTIC�t C�tHF3Qt33�D0�38�E�L180 ° "�'
<br /> � ' �. OF AAERCMANTABILITY AND FITNE88 FOR n PAF�TICU4AR PURP088 ON ALL GOOD$AND S�RVICBS UNLL88$�LLEI� � �-
<br /> � FURN18NE8�UYER WITN A BBPARA7'�WRI�TBN LINVRBD WARRANTY OR SERVIC�°CONTRACT MADE BY SE1.I.ER ON 148 � - -.d -
<br /> OWN BBNALF.(b1 1 huve rcad,in detalt.the ueparuto"LIMI'[�D WARRANTY"which c�ccam�antea th1A cantmct.It axpluina the canditions aad circumstances in •� ' ' ��
<br /> which the m�usutacturad products wl�l be rtpni�cd ar rcpinc�d.I InAe notice at tho limitatlana on the wutrunty,nnd l p��niculorly rccognia.e that un impIted wanunty ., , „ �
<br /> . which eppfi¢s to tho goade astx an! us lonB es the wnrtnnt or service contract.(c I hnve rend,in detoll.the sepnruto"41MIT8D INSTAI.I.ATION WAyRRANTY"which . • ' ��
<br /> if m�do accompaniea thie conuacty It expldns the conditions nnd circumstunces�n which thc a of the Aidln ,siding ncceRrorien.ond guttern wlll be Mdone.�
<br /> F �`n�o�nuofe�a timilaUons an the warrenq,and I paniculuriy rccogniu thnt any impticd wnnunty w c oppt q to inswllnUon lasts only as long sa tho wammty or
<br /> �,. �
<br /> � � � tIMITEO�lARRAtlils Mr sote�nd exelusire re��tainst�ou or your�sai�nee shfli u Ile�iteG to�ny d�Ats tnd nedifs under tAe e�pnss 10 Ytir tiMIiFO � � T
<br /> MA�RAMiY reu exbnd to ne�t tb�tfn�e I aitn tA i Contnc Mr e�ctu:ire d:hts�nd ro�ea(es uader the wua�sh�ll�e in Ileu of ili�tMer d{�or�aeeltet, -`
<br /> " �� n t�w a i n q u i t�,w��re o e n n i t t e d b�i l otiadie st�t�uw. • . �
<br /> �� � � All MANUFICNAED NINDOM FROOUCIS 1RE tiOT BUAIUNTfEQ A�A(MST C�NDElES1ilON, MOISNRE FORM�TION OR FROST. PRUDUCTS ARE N0T QUARANIEED AQAIMST ° � .
<br /> �� CORAOSIUN OUE TO AOVERSE CUMAIIC CONO�IONS. �
<br /> 6U�ER Rf�O iHE S�PARAIE"10 1EAR UMI1E0 wIRRANi1"NfI1CH IS A SEPARATE�1RITfEN IMSTRUMENT PERTAININB SOLEIY TO MANUFACTURED PRODUCTS OF ,�
<br /> 1Nf PACES�tiER CGRPURATlON ANQ�lNICN"UMlTEO�IARRAMir"NA3 BEEN OEIi�ERED TU EACN RESPECi11E BUYER IM COMNfCTION Nlitl THiS SALE.PACESERER'S . .. . ° ___._ �'
<br /> - " - tA YiAR l.lMI1E�MARRANIY AMD TNE FAA4R�lN8 PR(►YI510N8 RFRARAINR CflMDEK3ATIUN 00 p0T APPLY�O SlDINQ. . _ _ " °�
<br /> FuRher,lhe hees�tter Corpontion��ka NO REPRESFNTATION OR wARRAq110F ANY IUMO�R NAIURE MIH�ISAEYER.EIIPRESS OR IMPUEO,{nTN RESPFCT TO -- ���,-� °
<br /> � T H E E N E A 6 1 f S A Y t N B S I C O ll l O O R M�Y ACHIEYE BY USE OF THE PRUDUCTt3).I understand tA�t any enert�s�vi�is I may�chtero is depenee�upon�nunber of f ' � '�` �"�''-
<br /> t�ctcro,incindfai,but not Ilmited to,tde t�pe qnantit�ind aa�iiry of insul�tion in my ho�ne,t he part i cu l�r s iie an E a t�le o f m�bome,t Ae ha e o t p u a i i q o f � �:
<br /> �onsttuction ot�ny ho�ne,mr ptrdcui�r Ote m�e,the numDet of openin�s in my home,proper meaitodn�of thermosht settinps,c Imtttc condittona md loc�tton • .� - °,-� :
<br /> . oi�homa,tne�ren the t�rye of erterp conwmed tor heatfrtQ and air conaltionin�purposes. , *�.�
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<br /> S ECIAI.ARAER(i00DSs 1 know thet you have metuured my house and Ita openings so thut you can make the ptoducts ta fit rny partiwler houu and that the�aodx �
<br /> probably wfll not flt eny other houses,w I know that I eunnot cancel this rnntract at any time after the period of tfine given to me by law in which to caneel.After that �' !��
<br /> legal pedod of time,I know that I hcve the obligation to pay yau in fuU the amount owed. � {,��;;�;�
<br /> COMMENCEMENT OFTHE FINANC�CHARGEs'Ihe finance cherge(intercat)is estimoted to stan within 30 days of the date of tMa contract.except In the event � ;
<br /> you complete the installation of the goads end services on another date,then the finance chatge(interesq wiil begin w run on the date thnt I sig�the Compledon Certiflcttta +�.--
<br /> 11te amount of 8nanu charge Unterest)may be mone or less ihnn the amount disctosed depending on the amounti 1 pay you and my timetiness in making payments. S �' ��
<br /> �- OBLIGAI'[ONS P�iCI'AININV 1't)PROP�kTY tt�I3i7RAtHC�Ah�R33i REAL�STA'i'Et 1.i pwutil�to k�p my houac.in good rtpsh arsd lcttp!t fnsw+M for at -- � -
<br /> lenst 8095 ot ita repincement value by buying a fice und extended covernge insurance policy.'[trc insumnce compuny must be approved by you,and the policy must have `���
<br /> a beneflciary clnuse which says thnt you are to he paid if there is a loss.The insurance company must agnee that it wlll not cancel my policy without first telling you.I . � ; ��'
<br /> authorirc the insurnnce companq to pay you dircct ly for any loss.You can choose to use th�s insuranoe payment ta either repay any emounts 1 owe you or to repair my �
<br /> bouse.I have the option of providtng propeny insurance through an ezisting poiiey or th�ough a policy independentty obtalned nnd puid far by me.2.1 aiso promise that _; '
<br /> 1 will not allow anyone else to place any Ilens on my real estate without your wdtten permission.3.1 prom{u ta pay all taxes,assesxmenta und other charges on my mnl , . • �
<br /> eswte when due.4.1 pcnmiu to timelY muke all payments on my prior loans secured by my mol estate.I nlso pmmise that I will not extend mnew or chnnge prlor loans
<br /> ' without your wdtten permfsaion.5.lf 1 do not insurte my hour.e or i'ulfill my other obligations to my Ral estate,then yau can do it for me if you wnnt(but you do not have %`. �.
<br /> ' toJ.ii yuu Ju pay any oi Urc�e uLligations tor mc.t agrcc ta pay you back on demand plttt lntcast�t thc highcst fawPoi wntract rste of lnteRCt t feeit T pay you back. —==:r:: �
<br /> these amounts will be added to my debt to you which is secured by my rcal estate und house.I know that if you decide to buy insurance for me that you do not have to ' �;.�•�
<br /> , obtein any homeowner or liabttity inwrance. • �'•"� �
<br /> MOM�GA(iEt l he�eby grent,bazgutn,scli,convey and mortguge to you,as Mortgugtc.my real cstntc and housc locnted at my"Address"desfgneted on the other sidc �
<br /> of this rnnvact as secunty for ell umount�Jue to you under thts Instnliment Sules Contruct. �•~' '..�
<br /> DUE ON SALEt if!tCll,lease or give my house to unyone befarc I have fuUy patd nl!I owe under this contmct,you can declarc all thut 1 owe under thia conancs payuble � '
<br /> at ona and I agrce to immediauly pay you that amount.
<br /> DEFAUL7t I will be In default under this conuact if:t.I don t muke u puyment when due:or 2.1 brenk nny pmmise I made to you in this conuact:or 3.Something else •"'� �
<br /> . happens whtch cauus you to believe in good faith that I do not intend to pay you ac promised;ot 4.I default on any obligations for which I am using my home ac collateral: I ,!.,j�
<br /> e or S.Something hnppens to my houam which threntens your rights,ff any,m it. l ',:� �"�••�
<br /> ' COLLLCTION C05i'Ss If I am in defuult of this contract and ou demand fui! ayment,I undentand that ou have the right to foreclou the mortgage I have given to � •�'j•- '
<br /> you and to havt my house sold to tepay any amounts I awe youYBefore my hou.sc fs sold,you will dn uil thut thc Inw myuircs.I understand that if you hfre nn attomey i ,
<br /> to asaiat you in the entorcement of�.,ur rights.including thc snlc of rny houu or u Inw.uit.I ngrcc to pay you fnr aea+onnblc anomeys'fces ar.d far other Rinted expcnses {
<br /> such as court costs,tiUe uarches und moncy you expended to protect my houxe,if you urc ullowed w collect such amounts by law
<br /> � � .;t OTHER RIGH1'Ss You can choose not to enforce any ot the rightx under this contract as oRen a�you want without losing them.Or,you can delay entoretng any at the I .
<br /> dghts without losing ihem.You cnn olso usc nny rights now ar in the futute given ta you by Inw.
<br /> DELAYSs I know that you wili use your best effons eo irtsmii the pmducts 1 nm purchacing an my hou.e,but I alw undentand thut in some�ituat{ons you moy encounter ,
<br /> � delays thet aze cuur,ed by strikes,weother conditions,delays yuu 6ave in obtaining muteriais,or for�wher rcusons that am beyond your control.1 wili not hotd you ifable
<br /> � • for wch detays. �
<br /> REQUF•ST FOR FUI.I.PAYMENI:If 1 um in dcfuult undcr thi�contrrrt.�iw rim Jrrlam utt ihut 1 uar unJcr thi���mtrrrt pa�ahk:it orkc.1 ugn:c tu p•ry you intcmrt ,
<br /> on that omaunt ut the muximum contrrctual mte aUowed hy la��unul thc amount I oNC�nu i.paid.1 uho I.nn�o that�uu ran(uRClure thc nwnguge 1 ha�c Ficcn to you.
<br /> � � ARBI1'RATIONt If I ha�•e a dispute�r claim with you cunceming the yuantity.quality or performance of tFe pn�fuctti.1 undentand that my dispute mny br submined
<br /> to anJ settled according to the mediauon•urbitmtion progmm that mny have developed in my community.1 al.o know thut uny decitiion made by nn arbitrntorts)would be
<br /> entered in the eouR hnving jurisd{ction over me and yuu.
<br /> •� SALVAGE VALUEt I know that thc windows,woodwotk,xiding,brick und iKhcr matcrials that ha�e to Ix rcmrned Ay�ou far thic instullation hnve NO snlvnge valuc.
<br /> � Whm you rcmove them,you can heve them for whatever purpoce you want.
<br /> SPECIAL SCfUATIONS:Due to the uniqucness of xomc of thc products that you ull.[undentund thut in,perial.ituution+your Regiunut Offire may huve to revicw
<br /> nnd accept thia conuact.I nlso understand that thi�sule occurred in my hume und thut you anJ I mu��not huve had all the ci�rrcct mfartnation tmportant to ehis trunwction
<br />- at our fingettips:I give you my consent ro cormct any obviiws ertcirs that muy huve�xcurted whcn the blank.in thi+rontroct wem completed.
<br /> ' INVALiD PROVISIONS:If uny provitiion of this conu-act violatcc thc Iaw und i.uncnfornc:►blc,thc m+t of thc romr�ct wil�bc valid.If uny pan of thi+contrart rcqu�rc�
<br /> . payment of more intercst than the luw permits.then you wi0 unly have the right ta co�lect fmm me the amuunt o(mterc�t whirh the law nllow,ynu to collett.
<br /> COMPLETEN£SS O�THIS CONTRACI's Thiti contr�rt rrn only bc changed if M�th�ou and 1 rgnti m��riting.
<br /> NOTICE
<br /> � � � ANY HOLDER OF TH18 CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFEAISES WHtCH THE
<br /> � DEBTOR COULD ASSERT AGAINST THE SELLER OF GOOOS OR 3ERVICES OBTAtNED PURSUANT HERETO OR WITH
<br /> THH PROCEEOS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTB PAID BY THE
<br /> ' DEBTOR HEREUNOER.
<br /> ' INSURANCE CANC�LLATION:If t hnve rcquestcd insumnre in thix punha.e.t mnv canr.I tiu�h n•yur.�tar mwrrn.r t��r:m}rca.un uuhm tdt.cn l IS)Jay�In+m
<br /> tlie date of this rontrnct bY notifying you ar thc hntder uf thi+a+ntrart m unnng 1 Anuw that the ranrcllatwn ut m�.���cra�r���II hr a�rangcd��dh Ihe mwr.�ni.rurt�ert��
<br /> � 'T' nnd a fLll rcfund of my prcmiuml.�ta�ether w�tn:�ppnrame nnan.e.narFe w�it't+e cntii�cco u+en�+comma.
<br /> ' PLEAS�NOT�s lf 1 h�ve rcqueued mwrancr m thi�punhaK.I will rccri�r��ithm ih�m t A�l�Sa�.a r�adi.ate�+f mwrrnrc mnrc full�dexnbm•the m+ursnce coverage.
<br /> 1 knnw thut if therc is nn•contlict in the ro�•eti�s or tfie languuge i�f the certdiratr uf m+urancr und Ihe full��a�n•Naure��f Pru�w�.ed�In.uranre t�at I atn.overcd anly tu
<br /> the exhnt+tutnl in the �o�Mwin�:Ni�tice��f Pn�pmed In+unmre. 1 ahu Annw that I ha�c mwrance aneruge un�y d I ha�e hcen chargeJ for d.
<br /> ' NOTICE OF PROPOSED INSURANCE
<br /> ' ; 1 take noticc that cithrr Crcdit I.ifc ur Cre�it Arcidrot anJ Hculth ln+uranrc.ur txith.w�II hc upplicahlc tu th��In�tallmcnt S�ilc+C�mtr,�ct nn thc rc�cnc�idc onl�d'
<br />� ; , , I have choxen it by slgning the rcyuect for�uch mwrance.'fhi.in.ur�nce aill unI cmer�hc{xnun.��:mnE thr rcyue.t:+t thc ro�t fnr carh type ot m.urun�c�huun
<br /> Sub�' t w u�tc tuu�i by ILr i+i.ww��e co�up.iny,thc in�uran.c w�II Ix cffc:u�c a.u�t�xfa�and w�0.ommur ont}f�v thc numAcr uf mumh.aftcr thc cftcrt��c datc ryual
<br /> ' r� to the num�er of mcmthty paymcnts.l undentnnd that thi�particu�ar imuranr.m:���nut pnx idc rn�em�c titt m� I�.t tew pa�mrnt.,anJ�hat Juring that penixl uf Umc�
<br /> ; i ; will not hnve uny imurunce covemge.AII hcneTit.and pnxeed.��t the inwranrc��il M pa�d tu}��+u ur iu a tinanr�at m.nwuun d n pun ha.c�th;in�tallmcnt Sule.Cnntra.t
<br /> to the eztent of its interr+ts and nny buluncc will hc payah�e ta mc. 11ie m�hal umiwnt ot('ndU l.ife In.umnre i�the am��um myu�rcd tu mpa>thc Ti�tal��f Pa}nxnt+;
<br /> � ' " thereuRer,the insumn�r decma�es by the Amnunt of ench m��nthly payment on u ticheduled�n duy ha.i.-If l um�ninU�ahl�gati•d on th�Imtallment tiale�Cuntrart w�th
<br /> + u Co-Buycr,nnd we hnve both signcd thc rcyuc,t tor CreSit Life Insurnme,deutA benefits will hc pa�uhlc.�nly N�Ih n��xYt tn tlk fint unc ut u�tn Jir.Suh���at tu e�.lutiion..
<br /> ' elimMutions or wuiting period smted in the insurs�ncc policy itt arnlfirate,Ctrdrt A�v:�Jent and Nea(th In�uranrc�+for the t+cnefit amuunt uf I�;t4h ui earh munth'.pa�ment
<br /> � ( for euch duy that t am Wtalty disnbled due to an injury or skkness whilc I�iwe any pa�ment to �w:M�wevcr.1 unJentanJ that 1 hr�r ta he prc�rntcd tmm wurl�ing Suc
<br /> i to such tntal disuNiliry for more than fourteen t�a)consecutf�e day�befiirc thc in+urancc henc�it i+ id h:hk ti�thc tint da��d m� tutal d�whd�t�.I nlso know thut!
<br /> cennot obtntn eny fasueence itom�nu it I nm over 65 yenrs of a�e todoy.nrtd I also know thut t�ie in�uronce cn�rraFe pm�tded to me mu,r conmin u muzimum
<br /> . ' amount of rnverage wlslcA wl11 not pay ta some casec,the entEre nm��mt thnt t oar.��w flun en�h.•mo�m.nm.u....nnr..(.•..�..«uw.r�b•d�e�hr m.n�m��..ml�r� 1
<br /> know thnt any unpaid amount in ezce�s of the in+uran�r c���crage Nill+till ha�e tu M paid if tl�e In.tatlment tiale.('ant�a.���pn(�aid m full pnitt to�hr la.t p.i�men�
<br /> date,any uncamcJ�asurancc prcmium�will t+c rcfunded ta mc m thc manncr prc�rnhcd h} lew �YUhm thm��;1��da�..I��dt rccc��r�hc.cmli.atc�d rowr.mi��m��rc
<br /> "' tully Jcudbing my m�urancc covcragc.If thc in+urarkr u nut acreptcd h� thc mwr.mcr a�mp�m.1 w1I rc.c��..�ntund at thr inwraa.r prcnuum.1 ha�r p��d
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