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200201824 ADDITIONAL TERMS PAGE 4OF4 PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though 1 do not have to pay more than the regular scheduled monthly payment, 1 have the right to prepay the whole amount owing to you in full m any time a in pan from time to time. If I make_ a partial prepayment, I man cnntinue to make my mgulat payment, until I `Lave pad all amt Is owed I knew thrn the finance cluelp, ill be computed daily, so It Will be less if I make an early payment and l,igher if I Pay 1 m. The o nts shown art page 2 for the Finance Charge Total of Payments ad baptist Sale Price c based on the assumption that yen will receive each of the payments anUy ma 'rs due date I know that Wei, will be on refund of Pirience Charges it I prepay, because the Flumme Charge is calculated on a simpl, interest bas's_ I also undo 'band that he refund of an water, less than $1.00 will be made, and chat I may be charged a minimum Finance Charge of $10 00. RETURNED CHECK CHARGE: I will be charged S15.W for any check I give you which is returned unpaid by the hank or other fianciul institution. SPECIAL -ORDER GOODS: I know that you have measured my house antl Its openings so that you can make the Products to fit my particular house and that the lids probably will nob Flt any other houses, so I know that 1 cannot camel Wes Contract at any time after the period of time given to me by law in which to cancel after than legal period of time, I know that I have the obligation to pay you in PoII the amount owed. COMMENCEMENT OF" I'HE FINANCE CHARGE: The thinned charge is summated m scan within 30 days of the date of this Contract, except in the event that yon mpletc the retaliation of the goods and services on u a n lea date, then the finance charge will Legal to run on the date that I sign the Completion Certificate. a fhc amount of finance charge any be more or less than the wmnum disclosed depending on the amount I pay you and my wnelioeas In making payments. DEFAULT: 1 will Ire in default under this Contract if: 1. 1 don't make a payment when due; or 2. f break any promise I made to you in this Contract. COLLECTION COSTS: If am in default under this Contras[, and you hire as auomey who is not one of your regular salaried employees to assist you in collecting ,be auteunt I owe, I agree to pay you for your aasonahle anorney's fees as we)1 as enY other related expenses such as court costs, title searches and omoants you expend to protect your security, if you are allowed to collect such aremnts by law_ DELAYS: I knew that you will use your best efforts to intall the Products 1 n n pUthadlig on my house, but f also understand then in some situatiuns yoo may enter delays that we caused by stokes, weather conditions, delays you Lave in obtaining materials, or for other reasons that are beyond your commis i will not hold you liable for such delays_ REQUEST FOR FULL PAYMENT: If I am in default under this Contract, you coca declare all thar I then owe you under this Contract payable at Lace I agree to pay you interest on that amount at the Annual Percentage Rate shown of page 2 until the amount I we you is paid. SALVAGE VALUE: I know that the windows woodwork, siding, brick and other mmoc'ials that have no be removed by you far this installation have NO salvage value.. When you remove them, you may dispose. of them. SPECIAL SITUATIONS: Due to the uniqucness of same of the Products that you sell. I anderstand that in special situations your Regional Office may have to review antl approve this Comraer I also Understand that this sale ocanrred in my home and that you and I may not have bud all the collect information important to this on,action wt our fingertips; l give you my consent to correct any obvious ertms that may have occurred when the blanks in this Contract were completed. INVALID PROVISIONS: If any provision of ,his Contract violates the law and is unenforceable, the rest of the Contract will be valid- If any pan of this Contract regnhcs payment of n are finance charge than We law permits, then you will only have ,he right to nulled from me the amount of finance charge which We law ulloes you m collect NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER INSURANCE CANCELLATION Itch all 11'ancloal ' race to this amhuse, I ory au.elsuch creator to,' U ........ c me by ,.nn within fiftccn(15) day, from the date of [h Contract by rallying y oil or the holder of this Conautt in waiting, I know that the cancellation of my coverage will be a e ngsd with the hourance rails) and full eland of my prom am(e) together with applicable finance charge will be credited to this PLEASE NOTE: If I have requested rallonal, I. ,hie purchase 1 will ,c,ci,c Lima th Lay (30) days a onclu me of - ace inert fully describing Lite 'ance Lase I know Wan it there I, any conflict in the ove age or the Imagarge of the certificate of insurance and the following Notice of Proposed Insurance that 1 not Bred only to the t nt stated in the foilowfing Notice I in, it Irvaloanco. 1 also know tt [ I have sorance coverage only if I have been charged for it. lu the follmvi ig Notice of Proposed Insurance tie words "yon and your rotors to the Euyedlnt W and the word "we" refers to the Insurance Provider. NOTICE OF PROPOSED INSURANCE Cadet life andlor credit recidera and health insurance will be applicable to this Installment Sales Contract, only if you have chosen insurance by signing the ,qucst. 11 we C nual Stu tes Health k I. fe Co of Chiral (CSO) agree to finvult you, a policy or certificate which more fully do,cuilve, the benefits and limitations will be seal to yo a within 30 days If we doe [ insole yon, yea will be soul a refund m',diti, your account of your premium - Subjert m acceptance by CSO, the Insurance will become effective as of today and will continue only for the number of months equal to the number of nmhly payments, You understand that this insurance pray not provide coverage for your last few payments, Land [bat during that period of tinge, you will not haveany n cm,, The insumneccu,nmetpi.6deda . y commit a maximum annual of. vernge which will not p Yils rte casts the entire amount that,ulcow, Th mu mare may t last fl e fall I ag[h of yourfickad, not may iLbe eiioL)ghtocompleidypayollyo loan The a oUnt and type of insuc ywbase applied for i"hosononyoun -1 .111 eat SalcsC I t Tl f 11 g 1 ions aodl T[o supply: Eligibility Requirements: fo be el K bl e fin the :o e age, your age cant be move than 65 years as of today. To be eligible for Wsab'1'ty eovetag , you must b . world g n 1 ast 30 hue k as ti m f y O ly the prim y b I P hl t dmwuIuy age. Life Coe age The ...but of life bicameral is shown on your liesuthlent Sales Contract. Only one defull benefit is payalue it you applied lot tell life coverage. Life E xJua u its: We won't pay any claim T )ou e t I d -at Iran commit su d I'I e one, within 12 armans of when the insurance is effective, but we, will refund the life c p a m This also appf t y - h enf you wpPIICU [ Jm t I f ¢rage Disability Coverage: Benefits are payable Uficr you have been t ally d � bled for 14 day - _ Re .tt are than paid retroactive f r the first day of disuC lay Disability Fxeluslots: We wuo t pay U claim if year d lability is a result oP a) normal pregnancy, or ehildbinlr; b) an intentionally self - inflicted injury; or c) alcoholism or drug addiction' d) nervous or mental at obleq or e) a pre esinir, con rum. Lam rm NOPI ♦I 2c. rV5) rvr. Offued and Wclu nnen by: Central Swtes Health & Life Co_ of Omaha - 96th & Western - P. 0. Rnx 34350 — Omaha, NE 68134 -0350 7039 Set 101 -NP. -1111 PAGFa