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<br />ADDITIONAL TERMS
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<br />88- 102086
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<br />PREPAYMENT AN'I) ACCRUAL OF THE FINANCE CHARGE: E,'ellthnugh Ion 11011",,,.' In 1"" IIlnrl'lllall the rl'~ubr 'l'heoukd IIlPIIlhly paymem:1 hawlhc righl
<br />III r.rcpay the whole amount owing 10 you in ~ull at any lime or in part rromlilllc hI lime ,B'lhe kndll\g lIl",llIlll'"..r han~ Ihat huy' "1} l'(lJIlract cnmpUles Ihe fin.lIlcc ~'harge
<br />dally, I know my finance char!!e Will bc less If I make an early paymenl. nnd II Will be tughel' 111 p"~ lale: I ai,,, recogl1l7l' Ihal any Ilel'e"ar)' adJllslmcnllo m} tlllallmatll'e
<br />charge will be refiected in my "nal bill: I also know thai Ihe lImounts shown on the rewr>e side fill the Fmance Charge, Tolal of Payments, and the Total Sale Price are esti,
<br />mates based on the assumplion thai you will receive .:nch of Ihe payments ':':Ictly Dn ils due date: and I kno\\' Ihallhere will be no rdullli if I prepny because there is nothing
<br />to refund if I am charged on a daily basis, If Ihe lending. institution or bank does not n,mput.: the finance charg.t' llaily, nnd if I prepay the whole aml1l11ll, you will refund
<br />lU me the unearned porlion of the finance charge lintcrest' by the accounting procedure k11l1\\ n as the actuarial meth(ld: and Ihe amoulllof my rebate WIll be fig.ured on the
<br />~cheduled datcs and amounts of illY monthly payment and not on the aclual dah." and nllloullt' of the prepaymems thaI I pay 10 you, I know thaI" refund of less than S 1,00
<br />will nOI be made,
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<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />(a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />BILITY 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).
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<br />(b) I have read, in detail. the ~ep'nratl." "10- YEAR LJ:\'tlTED \V ARRA:-Jl Y" whil'h, if nUIlI", al'companies this cnntr;ll-t. It e~plains the condition~ and circumstances
<br />in which Ihe manufactured products WIll be repaired or repl"rcd_ I take nolil'c oflhe l"nitali(1I\' on Ihe \\'armmy, and I p:mieularly recognize Ihat any implied warranty which
<br />applies 10 ilie goods la~IS only a, long as Ihe warranty orser.-ice c"nlral'!.
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<br />(1."11 have read, in d':lail, Ihe separale "L1:\IITED I~STALL.-\ TIO~ \\',.\RRA~TY" which, if made, acc"lllpanies thi, contract. It e~plains Ihe conditions and cir,
<br />cumslances in which the imtallation oflhe siding will be redone, I lake nOlin' tlf!h", Innila' ion, nn Ihe \\;!rran!~, and I panicul;lrly rccognile thaI any implied WllrralllY which
<br />applies to the installation lasls onty as long as !he warrant) or seryiee contr;ICL
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<br />SPt:CIAI.-ORI)ER GOODS: I know that you ha"", measured m~ house and it, openin,'s '" that you canm:Lk!.' the pwdlll'ts 10 fit my parlicular house, (tllke notice lhat the
<br />goods that are manufarlUred for my ~pecilll- house prohably will not fil an) other hou,e,. and under ,udll'ol1dition" I kno\\' that I cannol ,'ancelthi, contract at any time
<br />after the period of time giwn tn me. by bw. in whil'h 10 cancel A ner thalkgal pennd of I line , I km", thaI I h;l\ ,-Ih,' "blrg"lion hl pay you in full the amounl owed.
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<br />OBUGATlOXS PERTAIXISG TO PROPERTY I~SCRA:-\CE A:-\U ~I\' REAl. ESTATE: I. I promisl' to keep my hou" in good repair and 10 keep it imured for
<br />at leas! 8~'k of its replacement value by buying a fire. and e"ended cove:.!ge LnSurance policy. The lIl,ur'UlL'e wmp:Il1Y IllU,t be alJpnl\'ed ,by y,~u, a"d !he pnl~c} must have
<br />a benefiCiary clause whIch sa)'s that you are 10 be paid If Ihere IS a 10". rhe .nsur;IIl,'e c",np.my nu.... agl'<"- Ihat II wLfln,'1 cance illY policy wlthoul hrs!lellmg you. I au-
<br />thorize the insurance company to pay you direc!ly fnr any 10", You can "h,',,,,' 10 u,e thi, .n,ur'II1Le paymellllo either rep:'y any <imnUIllS I owe you '" III repair m)' house,
<br />I ha"e 11;1." option of providing properly insur:.lIlce Ihrough an exbl1l1g pnlic) or through a p.,ILc~ II1dq""lHkntl~ llbtainl'd and pond ft1r by me, ~, I also promise Ihal I will nol
<br />allow anyone else to rlace any liens on my real estale wilholll your wrillen permi"inll J. I pnJmi,e tt> pay allla\Cs, a"e"menb and other charge~ nn my ITal eslatc when
<br />due, 4, I promise to IImel)' make all payments on my prior loans secured by my re:11 estate, I also pron1l'': Ihat [wtllno! ,-~Icnd, rencw or change prior loans wilhoul your
<br />wrillen permission, 5, If I do nm insure my house or fulfill my other obligations tn m~ real e~late. then y.\U Lan dn il for m.: if you want (but you do not have tol, If you do
<br />pay any of Ihese obligations for me. I agree 10 pay you back on demand plus Lnterest althe hIghest lawful ,'lIllra,t r:lIe "I interest, Vnlill pay you back. these amounts will
<br />be added 10m)' debllO you which is ,ecured by my real estate and h, 'use, I know Ihal If) "II decide to bu) in,urance for me thaI you do not ha\'e to obtain any homeowner
<br />or liabilily insur.lllce,
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<br />SAI,I': OF ~fY HOUSE: I promise notto,t.'lI.lea~eor g"'e my h,'use tn nny"ne until I have fully repaid mydeblloy"U,
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<br />DEt'AUL T: I will be in default under this contract if:
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<br />1. I don 't mak~ 3 payment when due; or
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<br />2, I break any promise I made to you in this contract; or
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<br />3, Something else happens which causes you to belie'ie in good faith that I do not intend to pay you as promised; or
<br />4, I default on any obligations for which I am using my horn',: as collateral; or
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<br />5, Something happensto my house which threatens your rights, if any, in il.
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<br />IF I AM IN DEFAULT: I understand that you have the right to f,-,reclose the Mortgage I have given to you and have my house sold to repay any amounts I owe you if I
<br />am in default under ~is contract. Before my house is sold, you will do everything that the law requires. If you hire an allomey to assist you to sell my house. or. to sue me,
<br />or, to protect your ni\hts, ( agree to pay you for your reasonable allomeys' fees and for other relaled expenses such as court costs, title searches and money you expencled
<br />to protect my house, If you are allowed to collecl such amounts by law,
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<br />OTHER RIGHTS: We can choose not to enforce any of the rights under this contract as often as we want without losing them, Or..:~ can delay enforcing any of the rights
<br />without losing them, We can also use any rights now or in the fulure given to us by law,
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<br />DELA. YS: I know that you!'lill use y?ur best efl:orts to install the prod~cls I a,m.purchasi~g on my house, bull also understand that in some situations you may encounter
<br />delays that are caused by strikes. weather COndItIOns, delays you have In obtaining matenals, or for other reasons that are beyond your control. I understand that you will
<br />not be liable for such delays,
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<br />AllBITRA TION: If I have a di~p~te or c~aim. with you concerning the quantit),. qUB:lity or perform,ance of the products. I understand that my dispute may be submiued to
<br />and settled accordll1~ to the mediatiOn-arbItration program thaI may have developed m my communtty, I also know thaI any decision made by an arbitrator(s) would be en.
<br />tered in the court havmgjurisdiction over me and you,
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<br />SAL \' AGE \' ALUE: I know Ihal the \\'indo\\'~, woodwork, SIding. brick and olher material_ Ihal haw 10 be TCmowd by you for Ihis installation have NO salvage value,
<br />\Vhen you remO\'e Ihem, )'OU can have Ihem for whale"er purpose you want,
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<br />SPECIAL S~A TIONS: Due to the uniqueness of some of the products that you sell, I understand that in special situations that ~'our Regional Office may have to review
<br />and accept ~1S con!JllCt. I also understand that thIS sale <?Ccurred m my home and that you and I may nOI hl;lve ~ad all the correct mformation importanlto this transaction
<br />at ollr fingerups; ( give you my consent to correcl any obVIOUS errors that may have occurred when the blanks In thIS contracl were compleled,
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