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a 106723 ADDITIONAL TERMS PREPAYMENT AND ACCRIL AL OF THE PINANCECDARGE: Even though I do not have to pay more than the regular +chaduled months p,n men %1 hoe rte right to prep-av she whole amount .wing u� vuu as lull at am time or in pan from time to uni I£ the lendine i ,ti mnon or hank that buy, m o ntrae[ umtputes the Imaltce charge ottmly. ! Amsw my finance charge will roc Izss d !make an early payment. and ineill In higher it I p tx -late; I .tko reu+gnve that anv n czssary adlmunent hs my unit gnancc charge will be rctlecteJ in my final ! dl. I also know dxis the amounts shown tin the reverse note fur the Finance Charge. Total of Payments, soil Ihe'Tmal Sak Pit- c• ore eso- mates based on the assumption that sou will receive zach of thz payments exactly on xs due da ' and I know that there will he no re fund d 1 preps} because there -s nothing to refund it f am charged on a dait� basis. fl the lending insihuuon or bank Jucs nol compute the tmance charge daily, and tt no re the whole :mwum, you will refund to »te the unearned portion of the futance charge t nttcrest) be the accounting procedure known as the actuarial me[hoxl: and the :nnuunt of my rebate wit! rte figured on the scheduled dates sect amounts of my monthly pay mrm and not on the actuaS dates and amounts of the prepayments that I pay to coo. I know that a refund of less than 51 . W will not be made. IMPORTANT NOTICE ABOUT WARRANTIES: (a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- BILITY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER 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) - tbl I have read, in detail. the separate "1st -YEAR LIMITED W ARR ANTY• which, if made, accompanies this contract. It explains the conditions and circumstances in which the manufactured products will he repaired or replaced. 1 take notice of the limitations on the warranty. and I particularly recognize that any implied warranty which applies tolhegtx s askonlyasl ongasthe watrantcnrxnicecontract, (e) I have read. in deter I. the separate 'LIMITED INSTALLATION WARRANTY' which. if made- accompanies this contract It explains the conditions and cir- cumstances in which the installation of the siding will be redone. I take notice of the fimuauons on the warranty. and 1 particularly recognve that amy implied warranty which appliestothe installation astson y as long as the warranty m sen ice contract. SPECIAL -ORDER GOODS: 1 know that you have measured my house and its openings su that you can make the products to fit m_v particular house. I take notice that the goods that are manufactured for my specific house probable will not ht any other houses. and under such conditions. 1 know that I cannot cancel this contract at any time afterlife period of time given Ia me. by law, in which io cancel. After that legal period of time. 1 know that 1 have the obligation to pay y oil in full the amount owed. OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY REAL ESTATE: 1, f promise to keep my house in good repair and its keep it insured for at least floc: of its replacement value by buying a fire and extended coerage insurance policy. The insurance company must be a proccd to you, and the policy must have a benefician clause which says that you are to be paid if there is a loss. The insurance company must agree that it wilt not cancel rot puttcy without first telling you. I au- thorize the insurance company to pay you directly for am, loss You can choose to use this insurance payment to either repay any amounts f owe you or to repair my house. have the option of providing property insurance through an existing policy or through a policy indepvndenif, obtained and paid for by me. '. 1 also promise that 1 will not allow anyone else to place any liens on my real estate without Your written permts. ion. ?. i prnmhe «s pay all taxes. a.. essments and other charges on my real estate when due. 3. f promise to time] make all payments on my prior loans secured by sny real estate. I alxo promise that 1 will not extend. renew or change prior luaus without your written permission. S If I do not insure my house or fulfill my other obligators to ntv real estate. then you can do it tar me if you want thin you do not have to). If you do ppaay any of these obligations lot me. I agree to pay you hack on demand plus interest ai the highest lawtul a nim l rate of interest. Until I par you back, these amounts will br added to my debt to you which is secured by my real estate and house I know that if you deode to buy insurance tor me that you do not hire to obtain any homeowner or liability insurance. SALE OF MY HOUSE: I promise not to sell. leaseorgh e my house to any one unt it l has z ful ly repaid in debt to eou. DUE ON SALE: If 1 sell- lease or give ma house to asnone hcfore I have lot IN paid all I owe under this contract. you can declare all that I owe under this contract payable at once and i agree to immediately pay you that amount. DEFAULT: I will be in default under this contract it: I . I don't make a pay spent when due. or 2. 1 break any promise 1 made to you to this comracc or ?. Something else happens which Causes suit it) believe m good lanh that Ido not intend it) pay ,oua% promised; or 4. I tittfauit on any obligations for which l am using my homy a, collateral: or 5. Something happens to me house which threatens Your right,. it any. in it. IF 1 AM IN DEFAULT: I understand that you have the right to torecl-c the Mortcage I have given Io eou and have my house sold to repay any amounts 1 owe you if 1 am in default under this contract. Before my house is sold v ,u will d e, nthing that the law requires. It'you hire an attorney to assist eou to sell my house, or. to sue me. or, to protect your rights, 1 agree to pay you for Your reasonable anornc c, fee, and for other related expenses such as court costs, lute searches and money you expended to protect my house, tf you are allowed to collect such amounts try law . OTHER RIGHTS: We can chooxe not to enl once any of the rights under this contract as often as we want without losing them. Or, we can delay enforcing any of the rights without losing them. We can also use any rights now or m the future given m us by law. DELAYS: t know that you will use your hest efforts to install the pr hurts 1 am purchasing on in% house. but I also understand that in some situations you ma, encounter delays that are caused by strikes. weather conditions. delays you have tit obtaining materials, or for other reasons that are beyond your control. 1 understand that you will not be liable forsuch delays. ARBITRATION: If I have a dispute or claim with vau concerning the quantity . quality or pertiormance of the products. I understand that my dispute may be submitted to and settled according to the mediation- whoration program that may have developed in nn community. I also know that any decision made by an arbitrator(s) would be en- tered in the court having jurisdiction over me and you. SALVAGE VALUE.: 1 know that the windows. woodwork. siding. brick and tither materials that base to he removed be you for this installation have NO salvage value. When you remove them, you can have them for whatever purpose you want SPECIAL. SITUATIONS: Due ,o the usnquenes, tit some of the products that you sell. I understand :hat in special situations that your Regional Office may have to review and accept this contracr. 1 also understand that !his sale occurred in Inc home and that %no and 1 max not hay a had all the correct Information important to this transaction at our fingertips: I give you my consent to correct any ubvious errors that may have occurred w hen the blank, in thiscontract were completed. INVALID PROVISIONS: If are pro, .stun tit this Contract violates the law and is unenforceable. the test of the contract will he valid. If any part of this contract requires payment of more interest than the law permits. then eou will only base the fight to collect from me the amount of interest which the law allows you tocollect. COMPI.ETF.NESS OFTHISCONTRACT: Thiscontract can only he changed it both you and I agree in wrong. The following notice brings to my, attention the rights that 1 have even when this contract is sold it) a financial insioufron or a bank. and I should notice that the impor- tanceofthisprovisionisstressed y its appearance in ten point, bold face type: a 0