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<br />8/- 106 722 ADDITIONAL TERMS
<br />PREPAYMENT AND ACCRUAL OF ]'HE F4NAkF CHARGE: Fven ihaueh I do tun have to pap nwre than ttie reguhtr wheduled mmntbh paynaent,"t have th „right
<br />it, prepay the whole amount owing to cut, in full at any time or in pan from time ro time If the lending inset upon or bank that buys my ontr act computes the (malice charge
<br />daily. l kno% my finance charge w dl In less It I make an early payment. and II witI he higher it I pay late. I also recognize that am necessary adjustment to err total Imance
<br />charge will he reflected m my final bill: I also know that the amounts shown on the reverse side for the I:inance Charge. Tonal of Payments, and the Total Sale Price are esti-
<br />mates based on, the assumption that you will receive each of the payments exactly on its due date: and I know that ihere will be no refund it 1 prepay because there is nothing
<br />I(, refund if I am charged on a daily basis. If the lending institution er bank dons not compute the finance charge daily, and if 1 prepay the whole amount, you will refund
<br />to the the unearned portion of the trance charge i interest) by the accounting procedure known as the actuarial methtxl:: and the amount of ng rchate will he figured on the
<br />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 of less than $100
<br />will not he made.
<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).
<br />(b) 8 have read. in clet:aiL the separate "IO -YEAR LItiIITFD W.ARR ANTY” which. if made. accompanies this contract. It explains the conditions and circumstances
<br />in which the manufactured products wolf be repaired or replaced. I take notice tit the limitations on the warranty, and t particularly recognize that any implied warranty which
<br />applies to thega ass only as long asthe warrants (it service contract.
<br />(c) I have read. in derail, the separate -- 1_IM ITED INSTALLATION WARRANTY-' which. if made. accompanies this contract. It explains the conditions and cir-
<br />cunistnoces In which the installation of the siding will be redone. I take notice of the limitations on the warranty, and I particularly recognize that any implied warranty which
<br />applies to the installation ash'€ none• =ashm- as the wamarn or service contract
<br />SPECIAL -ORDER GOODS: I know that cou have measured my Iamw;tnd us opemngw ,, that you can make the products to tit my particular house. I take notice that the
<br />gtxds that are manufactured ter my speci'oc house probable vydl not tit any other houses. and under such conditions, I know, that 1 cannot cancel this contract at any time
<br />after the period of titre given to me. he taw , in w hch co cancel After that legal period of time. 1 know that I have the obligation to pay }ou in full the amount owed.
<br />OBLIGATIONS PERTAINING TO PROPERTS INSURANCE AND ?IV REAL. ESTATE: I . I promise to keep my house in good repair and to keep it insured for
<br />at least SO% of its replacement value by huyuig a fire and extended coverage msuraice policy. The insurance company must be approved M' you, and the policy must have
<br />a beneficiary clause which says that tuu are to M paid it there is a toss. The insurance company must agree that it will not cancel my policy without first telling you. I au-
<br />thorize the insurance compaw i to Iraq sou direct) - for - iv io You can choose hr use this insurance payment to either repay any amoum, I owe you or to repair my house.
<br />1 have the option of pros;ding proper,c msarance the w h an ex -sunc f,,Iicy or through a police independently obtained and paid for by me t also promise that I will not
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<br />allow anye else to place any hens on m) real c to *.c w ahout s o wr
<br />ur ntcn permission. r 1 premise to pay all taxes, assessments and c)lhcr charges on my real estate when
<br />due. 4. I promise to timelv make all pacmons on rnv prior loam secured by my real ;state. I also promise that I will riot extend, renew, or change prior loans without your
<br />written permission. 5. If (do net insure nay house it tulhil rn other nbl cat; m to my real estate, then y -ou can do it for me if you want (but cos do not have toi. If you do
<br />pay any of these obligations for me. I agree to pac cu hack on demand plus interest at the highest lawful contract rate of interest. Until i pap you hack, these amounts will
<br />tfe added to my debt to you which is secured M m re,-.1 estate and house. I know nh i It _s ou decide to buy insurance for me that you do not have to ohtam am homeowner
<br />crliability insurance.
<br />SALEOF MY HOUSE: I promise not to seil. Ieese or gir c ms house tzt anyone mini I ha%c fully repaid my debt to you.
<br />DUE ON SALE. If I sell, lease or give my house m in"me before I have tulh paid all I one under this contract. you can declare all that I ow c under this contract payable
<br />at once and 1 agree to immediately % pay you that amount
<br />DEFAULT:I will be in default under the contract if
<br />I . I don't make a payment when due: or
<br />'_. 1 break any promise I made m you in the comrscr, or
<br />3. Somethingelse happens which causes you to hehece in gad faith that 1 do not intend to pay you s promised: or
<br />4. 1 default on any obligations titrwhic'h lain using my home as collateral: er
<br />5. Something happens homy housewhich thre ate nsyour tights. it anN. n it
<br />IF 1 AM I\ DEFAULT: I understand that you have the right ai foreclose the Mortgage 1 have given to rou and have my house sold to repay any amouns I owe you if I
<br />am in default under this contract. Before my house is sold, you will do ecervthing that the law requires. [(you hire an attorney to assist you to sell my him w., or, to sue rte,
<br />or, to protect your ri €hts, 1 agree to pay you fir your reasonable auornecs' fees and for other related expenses such as court costs, title searches and money you expended
<br />to protect my Fwuse, d you are allowed io collect such amouns by law.
<br />OTHER RIGHTS: We can choose not toenforce any of the rights under this contract as often as we want without losing them. Or, we can delay enforcing anc of the rights
<br />without hosing them. Wecan also use any tights now or in the future given to us by law.
<br />DELAYS: I know that you will use your best efforts to install the products 1 am purchasing on my house, but I also understand that in sonic situations %cm may encounter
<br />delays that are caused by strikes, weather condition.. delays you have in obtaining materials. or for other reasons that are beyond your control. 1 understand that you will
<br />tint he liable for such delays.
<br />ARBITRATION: If I have a dispute or claim with you concerning the quanuty. quality or performance of the products, I understand that my dispute may be submitted to
<br />and settled according to the mediation- arbitration program that may hate de, eloped in my community. I also know that any decision made by an arbaratort s) would be en-
<br />tered in the court having jurisdiction over me and you.
<br />SALVAGE VALUE: 1 know that the windows, wtrendwork. siding. brick and other materials that have to be- rern —ed t*y you for this installation have Na salvage value.
<br />When you remove them. you can have them fur whatever purpow vuu want
<br />SPECIAL SITUATIONS: Due to the uniqueness of wine of the pnnfucts that you sell. I understand that to special situation, that your Regional Office map have to review
<br />and accept this contract. I also understand that this sale occurred in my hone and that you and I may not have had all the correct information important to this transaction
<br />at our f irtgsrtipsa give you my consent to currect any obv mus 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 o, unenthrreahle. the rest tit the contract will he valid. It any part of this contract requires
<br />paynsent of more interest than the law permits, then you will only hay e the right nut collect from me the amount of interest which the law allows you to collect.
<br />COMPLETENESS OF THIS CONTRACT: nil contract can only be changed it bi th you and I agree in dieting.
<br />The following notice brings to my attention the rights that I have even w hen this contract is sold to a financial institution ora bank, and 1 should notice that the impor-
<br />tance of this provision is stressed by its appearance in ten point. hold face « Ype
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