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<br />v P :ADDITIONAL TERMS e
<br />PRRPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even ih : ugh 1 dry nor have to pay more than the regular scheduled monthly payment. I have the
<br />fight toprcpav the whole amount owing to vow in full at any time or in part from time to time. If the lending institution orbank that buvs my contract computes the finance
<br />chargeddautly.I know my finance charge will be less if f make i n early payment, and it will be higher if i y late: l also recognize that anv necessary, adjustment to my total
<br />finance charge will be reflected m my final bill: J also know that the amounts shown on the reverse site for the Finance Charge, Tdit f of 'ray nwins, and the Total Sale Price
<br />ore estimates based on the assumption that you will receive each of the payments exactly on its due date: and I know that there will be no refund if 1 preQay because there
<br />is nothing to refs ad if I am charged on a daily basis. If the lending institution or bank does not compute the finance charge daily, and if i prepay the whole amount, �ow
<br />wiA tfund to me, the unearned portion of the finance charge (interest) by the accounting procedure known as the actuarial method; and the amount of my rebate wiI be
<br />figured on the scheduled dates mad amounts of my monthly payment and not on the actual dates and amounts of the prepayments that i pay to you. 1 know that a refund
<br />oNss than S 1.00 will not be made.
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />(s} Woe as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />.. ., .
<br />BIL 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 an ti-
<br />adaertrced products will be repaired or replaced. Make 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 senile contract.
<br />SPECIAL -ORDER GOODS: I know that you have treasured my house and its openings so that you can make the products to fit my particular house. i take notice that the
<br />goods dad are manufactured for my specific house probably will not fat any other houses, and under such conditions, i know that.I cannot cancel this contract at any time
<br />after the period of time given to me, by law, in which to cancel. Aflerthat legal peri od 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 Ri.AL ESTATE: 1. 1 promise to keep my, house in good repair and to keep
<br />it insured for at least 80% of its replacement value by haying a fire and extended coverage insurance pt,iicy. The insurance company must be approved
<br />by you, and the policy must have a beneficiary clause which ,ays that you are to he paid if there is a loss. The insurance company must agree that
<br />it wild not cancel my policy without first telling you. 1 authorize the insurance company to pay you directly for any loss. You can thane to use this
<br />insurance payment to either repay any amounts 1 owe you or to repair my house. i 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 {dace any liens on my real
<br />estate without your written permission. 1. 1 promise to pay ail iaxcs, assessments and other charges on my real estate when due. s. 1 promise to tamely
<br />make all payments on my prior loans secured by my real estate. 1 also promise that I 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 to my read estate. then you can do it for me if you want (but you do not
<br />ave to). If-you do pay, any of these obligations for me. I agree 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 <tvured by my real estate and house I know that if you decide to buy
<br />insurance or me that you do not have to obtain any homeowner or liability insurance.
<br />SALE OF MY HOUSE: 1 promise not it) sell, least or give my house m anyone unid I have tulle repaid my debt to you.
<br />DEFAULT: l will be in default under this contract if:
<br />I . i don't make a payment when due; or
<br />2. I 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 I do not intend to pay you as promised; or
<br />4. I default on any obligations for which l am using my home as col lateral; 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 1 owe you if J
<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, i agree to pay you for your reasonable attorneys' lees and for other related expenses such as court costs, title searches and money you expended
<br />topmtect my house, if you are allowed to collect such amounts by law.
<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 losingthem. 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, but 1 also understand that in some situations you may rncounter
<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 J 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 arbitrators) would be en-
<br />tered in thecourt having jurisdiction over me and you.
<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 snore 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 to my home and that you anal I may not have had all the correct information important to this transaction
<br />at ourfingertipsa giveyou my consent tocomect any obviouserrors that may have occurred wher. the blanks in this contract were completed.
<br />INVALID PROVISIONS: If any provision of this contract violates the taw and is unenforceable, the rest of the contract will be valid. If any part 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 tocollect.
<br />COMPLETENESS OF THIS CONTRACT: This contract can only be changed if both you and 1 agree in writing.
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