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87--- 106850 ADDITIONAL TERMS
<br />PREPAVUENTAND ACCRI ALOF THE. FINANCE: CHARGE: k: en though I do nut hale to pay non• than the re :odor scheduled monthly payment. I have the right
<br />to i+repayy (the AhoRt amount owing m 'nu in full at any lime ur in part from time to time. II the Icndin,_ instimtinn ur bank t�uu buy. my contract computes the lin;urce charge
<br />r duhly. I finow my finance charge will �"la less if I make an early payment, and it will he higher if I pay Inge: I oho recngnin abut any necessary adjustment to mp uhi:d finance
<br />charge will tx rcflec[ed in my linal bil lso know that the amounts shown on the reverse side for the finance Charge, Total of Payments. and the Total Sale price are esti-
<br />matesbased on iheassumption that you will receive each of the payments exactly un its due date: and I know that there will be nu retun 1 if I prepay because there is nothing
<br />w refunJ if I am charged nn a dull basis. If the lending institution or bunk does not a,mpme the flounce charge doily, and it I prepay the whole amoum. you will refund
<br />u, me the unearned portion of the bounce charge lit vi, by the acmm�ting procedure known as the actuarial methtxl: and the amount of my rebate will be 1 figured on the
<br />scheduled dates and amounts oi' my monthly payment and not on the actual dotes and umnunts of the prepayments that I pay to you. I know that a refund of less than $1.00
<br />will not be 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 />fib l I have read. in detail. the separate.. 10 -YEAR LIMITED WARRANT) w'hich. it made, accompanies this contract. h explains the conditions and circumstances
<br />in whit ^+ the manufactured products will be repaired or replaced. I take notice of the I unitunons on the warrant), and I particulurh recognize that any implied warranty which
<br />applicsto the goe s astsonlyaslongasthewarrant yurservicecontract.
<br />Ice I have read. in detail, the separate " LItv1ITFD INSTALLATION W.ARRAN'rY" which, it made. accompanies this contract. It explains the conditions and cir-
<br />cumstances in which the installation of the siding will be redone. 1 take notice of the limitations on the wamanty. and I particular]% recognize that any implied warranty which
<br />applies to the installation asts on v as long as the warrant% or service contract.
<br />SPECIAL: ORDER GOODS: I know that you have measured my house and its openings so that you can make the products to ]it my particular house. I take notice that the
<br />goods that are manufactured for nix specific house probably will not fit any other houses. anti under such conditions, 1 know that I cannot cancel this contract at any time
<br />afterihe period of time given to me. by law, in which a, cancel. After that Ieeal period of time. I know that I hart e the obligation It, pan- you in lull the amount owed.
<br />OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY REAL ESTATE: I I prnmue u, keep nay house in good repair and to keep it insured for
<br />at least gt) x elf its replacement value by buying a fare and extended coverage insurance polio. Ile insurance company mutt be a proved by you, and the policy must have
<br />a henericiary clause which jN s that you are it, be paid i there is a loss. The insurance compam' must agree that it will nut cancel my policy without first telling you. I au-
<br />thorize the insurance comppany to pay you directly for any loss. You can choose ho use this insurance payment to either repay any amounts 1 owe you or to repair my house.
<br />1 have the option of proyading property insurance through an existing policy or through a policy independendc obtamed and paid for by nu. 2. 1 also promise that 1 will not
<br />allow amvne else to place any hens on my real estate without your written permission. I. I promise to pay at taxes. assessments and other charges on my real estate when
<br />due. 4. 1 promise to tamely make all payments on nh% prior loans secured by my read estate. 1 also promise that I will not extend. renew or change prior loans without your
<br />written permission. 5. If I do not insure n+v house of fulfill my other ob]i •ations i nn' real estate. then coo can do it for me it you want )but you do not have tol. If you do
<br />pa} any of these ohligations for me. I agree to pap you back on demand pWus interest it the highest lawful contract rate of interest. Until 1 pay you back, these amounts will
<br />tx added to my debt it) you which is secured h) tic real estate and house. I know that if you decide to hus Insurance• for me that you do not have to obtain any homeowner
<br />orliability insurance.
<br />SALEOF MY HOUSF: I promise not io sell. (case ur give my house to amvne until I haxe full) repaid my debt to y ou
<br />DEFAULT: I will be in default under this contract if:
<br />1. 1 don't snake a payment when due; or
<br />2. 1 break any promise I made to you in this contract; or
<br />3. Something else happens which causes you to believe in good faith that 1 do not intend to pay you as promised: or
<br />4. I default on any obligations for which 1 am using my home as collateral; or
<br />5. Something happens to my house which threatens your rights, if any, in it.
<br />EF I AM W DEFAULT: I understand that you have the right to foreclose the Mortgage 1 have given to ou 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 will do everything that the law requires. If you hire an attorney to assist you to sell my house, or, to sue me,
<br />or, to protect your rights, 1 agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, tide searches acrd money you expended
<br />to protect my Ftouse, if you are 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 by law.
<br />DELAYS: I know that you will use your best efforts to install the products I am purchasing on my house, bat I also understand that in some situations you ma 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 undeistand that you will
<br />not be liable forsuch delays.
<br />ARBTfRATION: If I have a dispute or claim with you concerning the quantity, 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 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 you.
<br />SALVAGE VALUE: I know that the windows, woodwork, siding, brick and other materials that have to be removed by you for this installation have NO salvage value.
<br />When you remove them, you can have them for whatever purpose) ou want.
<br />SPECIAL SITUATIONS: Due to the uniqueness of some of the products that you sell, I understand that in special situations that your Regional Office may have to review
<br />and accept this contract. I also understand that this sale occurred in my home and that you and I may not have had all the correct information important to this transaction
<br />atour£mgertips; Igive you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed.
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