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ADDITIONAL TERMS $7-- 101665 PREPAYMtNT AND ACCRUAL OF THE FINANCE CHARGE: Even though 1 do not have ro pay Tom than the regular scheduled monthly payment. 1 have the right to repay the whole amount owing to you in full at any time or in part from time to time. if the lending institution or bank that buys my contract computes the fmance (� charge daily. 1 know my f manse charge wi(1 be less if 1 make an early payment, and it will he higher if 1 pay late; I also recognize that any necessary adjustment to my total I finance charge will be reflected in my final bill: l also know that the atttaunts shown on the reverse side for the Finance Charge. Total of Payments, and the Total Sale Price are estimates based on the assumption that you wit l receive each of the payments exactly on its due date: and I know that there will be no refund if I prey - because there is nothing to refund if 1 am charged on a dally basis. if the lending institution or bank does not compere the finance charge and if i prepay the whole arroun. will tang t r f u the reamed portion of the finance charge (interest) by the accounting proc�dure I;r[own as the actuarial �: and the amount of my rebate will be Ifgtired en the scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prepayments that I pay to yeti. i knmv that a refund of less than $1.00 will not be made. IMPORTANT NOTICE ABOUT WARRANTIES: (a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED; OF ERCHANTA- S BILITY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS ELLER FUR- NISHES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BY SELL- _ER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). (b) I have read. in detail, the separate "LIMITED WARRANTY'' which accompanies this contract. it explains the conditions aid ed wartanees it whop the to do ufactured products will be rep or replaced. 1 take notice of the limitations on the warrmtn•. and t particularly recognize that any implied warranty wfiich applies to the goods lasts only as long as the warranty or service contract. SPECIAL -ORDER GOODS: I know that you have measured my house and its opening; so that yon can make the products to fit my particular house_ i take notice dw the goods that are manufactured for my specific house probably will not fit any other houses. and urder such conditions. I know that I cannot cancel this contract at any time after the period of time given to me, by law, in which to cancel. After that legal period of ime. I know that I have the obligation to pay you in full the amount owed. OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY REAL ECTATE. 1. 1 promise to keep my house in good repair and to keep it insured for at least 8()q of its replacement value M buying a fire and extended rnverage insurance poliq The insurance company must he approved by you. and the policy must have a beneficiary clause which says that sou are to be paid if there is a Inns. The insurance company must agree ilia it writ not cancel my policy wmluut first [elhng you. 1 authorize the iasamoee company to pay you directly for any lens. You cats chouse o use this - insurance payment to either repay any amounts I owc you or to repair my bowse. I have the option of providing property insurance [Mtwgh an existing policy of through a policy independently obtained and paid for by me. ?. I also promise that 1 will not allow anyone else to place anti Gas on my real zstrte without your written permission. ?. t promise to pay all tayes..uszssments and tither charges on my real estate when due. 3. p pro[nise to Bach make alt payments on my prior loans secured by my real estate. I also promise that I will not extend. renew or change prior loans w Yom written permission 5. If I do not insure my house or fulfill my other ob!.r.afn+ns to of read estate. then you can do it for me if you wain tMu you do not have tot If you do pay any vt these obligations for me. 1 agree it, pay you basis on demand plus interest at the highest lawful aomirwi rate of tnlexest- t'n[il I pay you back. ihzse amounts wuii be added to my debt t ++ you wh:yh :s .ecurri by my real estate and fitusz. 1 know, that if yew decide o tun' insurance for rrie that you do not have to obtain any homeowner or Itahility !nsurance- SALE OF MY HOUSE: I promise not to sell, lease or else my house ..o anyonc until 1 have fully repaid my debt to ytw- DEFAULT: I will be in default under this contract if: I . I don't make a payment when due: or t break any promise I made to you in this contract: or ?. Something else happens which causes you to believe in goodfaith that I do not intend to pay vow as promised. or 1- 1 default on any obligations for which I am using my home as collateral. or 5. Something happens to my house which threaten, your rights. if any. in A, - IF I AM IN DISFAULT- I understood that you have the right to forectose die Mortgage I have given to you and have my hawse sold o ¢pity any ainowts I owe you if I am in default under this contract. Beim my house is sold. you will do everything that the taw regnues_ if you hire an attorney to assist you to sell sit house, or, an see nor_ or. to protect your rights. I agree to pay you for your reasonable attorneys' sees and for other related expereses such as MITI costs, title seatcbes and money you expended to protect my house, of you are altowed to collect such amounts by law. OTHER RIGHTS: We can choose not to enforce any of the rights under this contract a often as we wan without kxing diem. Or, we coo delay en�rnwgamy of li=e tuts without losing them. We can also use any rights now c" the future given to us by law. DELAYS: i know that you will use your best efforts to install the products I am purchasing on my louse. but I also understand that in some stuatsstas you may encounter delays that are caused by strikes. weather conditions. delays you have in obtaining materials. or for other reasons that are beyond your control. I understmd doff yea will not be liable for such delays. ARRUFATION: if I have a dispute or claim with you cotcerrnng the quantity. quality or performance of the products. I understand that my dispow n=ay be subigioned to and settled according to the mediation - arbitration program that may have developed in my community. i also know that any decision made by an arbitrator(s) would be ca- tered in the court having jurisdiction over me and you. SALVAGE VALUE-- I know that the windows, woodwork. and ou`ier matenals that have to be removed Inv fox this installalion have iIO salvage vie- When you re- SALVAGE them. you can have them for whatever purpose you want. SPECIAL SMATIONS: Due to the uniqueness of some of the products that you sell. I urdastand dim in special situations that your Regional Office toy have No nueeiew and accept this contract. 10 so understand that this sale occurred in my home a and t hat you and I may nor have had all the correct mfonuaaoo uiquxtant W Iltits"Anssac"M at ourfmgertips :I give you my con sent to correct any obvious errors that may hayeoecurred when thetlank sinduscontract wen completed. INVALID PROVISIONS: If any provision of this contract violates the law end is a enf nweable. the mu of the contract will he valid. If any pail of'his contract recidires payment of more interest than the law permits, then you will only have the right to collect from me the amount of interest which the law allows you to collect COMPLETENESS OF THIS CONTRACT- This contract can only he changed if both cot and I agree in writing. M ._..,_1