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a%-- 103530 ADDITIONAL TERMS
<br />PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even !hough I do ion have to {ray more than the regular scheduled monthly payment, I have the
<br />rig`..i 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 finance
<br />charge lPaiIy, I know my finance charge wi( be less if I make an early payment, and it will be higher if I ppay late; I also recognize that arty necessary adjustment to my torsi
<br />llnance charge will be reflected in my final bill; I also know that the amounts shown on the reverse side forthe Finance Charge, Total of ayments, and the Total Sala Price
<br />are estimates based on the assumption that you will receive each of the payments exactly on its due date; and 1 km,uw that there will be no refund if 1 peeps because them
<br />is nothing to refund if I am charg_d on a daily basis. if the lending institution or bank does not compute the finance charge daily and if I prepay the whole amount; 1
<br />will refund to me the unearned portion of the finance charge (interest) b}� the accounting procedure known as the actuarial method; and the amount of my rebate wtl be
<br />figured on the scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prepayments that I pay to you. I know that a refund
<br />of less than $1 .00 will not be made.
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />tall We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA=
<br />BILI'i'Y 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).
<br />(b) I have read, in detail, the separate "LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the man -
<br />afdctared products will be repaired or replaced. I take notice of the limitations on the warranty, and I particularly recognize that any implied warranty which applies to the
<br />goods lasts only as long as the warranty or service contract.
<br />SPECIAL -ORDER GOODS:1 know that you have measured my house and its openings so that you can make the products to fit my particular house. I take notice that the
<br />goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions, I know that 1 cannot cancel this contract at any time
<br />after the period of time given to me, by law. in which to cancel. After that legal period of time, I know that I have the obligation to pay you in full the amount owed.
<br />OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY REAL ESTATE: I. 1 promise to keep my house in good repair and to keep
<br />it insured for at least 80% of its replacement value by buying a fire and extended coverage insurance policy. The insurance company must be approved
<br />by you, and the policy must have a beneficiary clause which says that you are to be paid if there is a loss. The insurance company must agree that
<br />it will not cancel my Policy without first telling you. I authorize the insurance company, to pay you directly for any loss. You can choose to. use this
<br />insurance payment to either repay any amounts I owe you or to repair my house. 1 have the option of providing property insurance through an existing
<br />Policy or through a policy independently obtained and paid for by me. 2. 1 also promise that I will not allow anyone else to place any liens on my real
<br />estate without your written permission. 3. 1 promise m pay all taxes, assessments and other charges on my real estate when due. 4. 1 promise to timely
<br />make all payments on my, prior loans secured by my real estate. I also promise that t will not extend, renew or change prior loans without your written
<br />permission. 5. If I do not insure my house or fulfill my other obligations km my real estate, then you can do it for me if you want (but you do not
<br />have to). If you do pay any of these obligations for me. I agreee to pay, you back on demand plus interest at the highest lawful contract rate of interest.
<br />Until I pa you back, these amounts will be added to my debt to you which is secured by my real estate and house. I know that if you decide to buy
<br />insurance for me that you do not have to ohtain any homeowner or liability insurance.
<br />SALE OF MY HOUSE: I promise not to sell, lease or gave my house to anyone until I have fully repaid my debt to you.
<br />DEFAULT: I will be in default under this contract if:
<br />I. 1 don't make apayment when due; or
<br />2. 1 break any promise :made to you in this contract; or
<br />3. Something else happens which causes you to believe in good faith that I do not intend to pay you as promised; or
<br />4. 1 default an any obligations for which I am using my home as collateral; or
<br />5. Something happens to my house which threatens your rights, if any, in it.
<br />IF I AM IN DEFAULT: I understand that you have the right to foreclose 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 this contract. Before my house is sold. you wilt do everything that the law requires. If you hire an attorney to assist you to sell my house you to expended sue
<br />,
<br />or, to protect your rights, I aexe to pay you for your reasonable attorneys fees and for other related expenses such as court costs, tide searches and mono
<br />ro protect my house, if you am allowed to collect such amounts bylaw.
<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, we can delay enforcing any of the rights
<br />without losing them. We can also use any rights now or in the future given to us bylaw.
<br />DELAYS: I know that you will use your best effons to install the products i am purchasing on my house, but I also understand that in some situations you may encounter
<br />delays that are caused by strikes, weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control. I understand that you will
<br />not be liable for such delays.
<br />ARBITRATION: If I have a dispute or claim with you concern ing the quantity. quality or performance of the products, I understand that my dispute may be submitted to
<br />and settled according to the mediation- arbitratioc 1, -ogram that may have developed in my community. 1 also know that any decision made by an arbitrator(s) would be en-
<br />tered in the court having jurisdiction over me and yo-
<br />SALVAGE VALUE: I know that the windows, woodwork, and other materials that have to be removed by you for this installation have NO salvage value. When you re-
<br />move them, you can have them for whatever purpose you want.
<br />SPECIAL SITUATIONS: Due to the uniqueness of some of the Products that you set 1, 1 understand that in special situations that your Regional Office may have to review
<br />aril accept this contract. I also understand that this sale occurred in my home and that you and 1 may not have had all the correct information important to this transaction
<br />atour fingertips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed.
<br />INVALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, the rest of the contract will be valid. If any pan of this contract requires
<br />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.
<br />COMPLETENESS OF THIS CONTRACT: This contract can only be changed if both you and t agree in writing.
<br />The following notice brings to my attention the rights that 1 have even when this contract is sold to a financial institution or a bank, and I should notice that the impor-
<br />tance of this provision is stressed by its appearance in ten point. bold face type:
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