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ADDITIONAL TERMS
<br />lRRPA ND AC 1 A7 HE FINANCE CHARGE: Even though i do not have to pay more than the regular scheduled montt►ly payment, t have the
<br />Ate
<br />11101 " 1111�mMowat thou Ins at any time or in part from time to time. if the lending institution or bank that buys my contract computes the finance
<br />odtatge 1 : '. w i4►y fie ." a charge wt be less if I make an early payment, and it will be higher if t ay late; I also recognize that any rucessary ad'ustttterit to my p>tril
<br />fiaeli change will be reflected in my final bill; I also knowthatthe amounts shown on the reverse side far the I'inance Charge, Total of Payments: and the Total Sale Price
<br />site egaittdtea blued o n,the assumption that you will receive each of the payments exactly on its due date; and i know that there will be no refund t, I because there
<br />is tolling to refund 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 itte amount. you
<br />win refund to me the unearned portion o>f, the Finance charge ( interest) by the accounting procedure known as the actuarial method, and the amount of my. will be
<br />figure oti the scheduled dates and amounts of my monthly payment and not on the actual dates and amount-, of the prepiyniieits that I pay to you. i know that a refund
<br />of'less than $1.00 will riot be shade.
<br />IMPORTANT NOTICE ABOUT WARRAK—!ES.
<br />(a)' We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />suiTY 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)1 have toad, in detail, the separate "LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the rana-
<br />tdaewre(t 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 king as the warranty or service contract.
<br />SMCIAL -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. l take notice that the
<br />goods that arc manufactured for my specific house probably will not tit any ether 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. 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 INSI'RANC E AND iil' REAL FSTATE: i i promise to keep my house in good repair and to keep
<br />it insured for at least 30% of Its replacerrem \aluc h% hu \mg a fire and extended coveragv insurance policy The insurance company must he approved
<br />by you, and the polity must have it beneficiary clause -Ahoi sa\,, ;fiat von are to he paid if there is a loss. The insurance company must agree that
<br />it will not cancel my policy without first tellini' 1ou I auth „rvc the 1riunarice company t,o pay you directly for any loss. You can choose to use this
<br />insurance payment to either repay any arnoUrItx I clue .oti „r to iep,or my house 1 have the opunn of providing property insurance through an existing
<br />policy or through a policy independently obtained end pied for h'. me ' 1 also promise that I will not allow anyone else to place any liens on my real
<br />estate without your written permission I I promise It' pay all faxex. aN, ssrnentt end other charges on my real estate when due. 4. 1 promise to timely
<br />make all payments on my prior loam sectired h\ iw, ,cal z taie I al,o promise that i will not extend. renew or change prior loans without your written
<br />permission. 5_ if I do not insure m,v house 1:11H1 rr r F :> t rgati,m� h'+ r,ie real e,tatc. then you can do it for me if you want (but you do not
<br />have to). If you do pay any of these ohh:;aftoii, !,H n1C, 1 i „r,c tti pl-y %Ml hai,+\ on demand plus interest at the highest lawful contract rate of interest.
<br />Until I pay you back. these anw. unit. will hc° addcd to rw, debt To �%ou a ich i, ,ccured h\ m\ real estate and house I know that if you decide to buy
<br />insurance for me that you do not have to ohtains anv hoineotAxner or ltahthf� insurance
<br />SALE OF MY HOUSE: i promise not To sell, iease iu niy twuse in .tnN one Ishii) I have iulh iepaid m} debt do you.
<br />DEFAULT: I will be in default under this contract it.
<br />1. 1 don't maize a payment when due: err
<br />2, 1 break any promise I made to you in this contract: or
<br />i. Somethingelse happens which causes you to believe in good faith that i do not intend to pay you as promised: or
<br />4. 1 default on any obligations for which I am using my ho €roe as coil lateral. or
<br />5. Something happens to my house which threatens your rights. if any. in it.
<br />LF I AM IN DEFAULT: I understand that you have the nght to foreclose the Mortgage I have given to you and have my house sold to repay any amounts I owe you if 1
<br />am in default under this contract. Before my house is sold. you will do everything that the law- requires. ft you hire an attorney to assist you to sell my house, or. to sue one,
<br />err, to protect your tights. 1 agree to pay you for your reasonable attorrnys fees and fix other related expenses such as court costs, title searches and money you expended
<br />to protect my house, :f 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 its we want without losing them Or, we can deiay 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, 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 maferials, or for other reasons that am beyond your control 1 understand that you will
<br />toot be liable for such delays.
<br />ARBITRATION: 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 deveioped in my community. I also know that any decision trade 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, 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. SITGATIONS: Due to the uniqueness of some of the products that you sell. 1 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 fhat you and i may not have had all the correct information important to this transaction
<br />atourfngettips; I give you my consent to correct any obvious errors that may have c*tcurred when the blanks in this t ontrai:f were completed.
<br />WVALiD PROVISIONS: If any provision of this contract violates the law 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 rte the amount of interest which the law allows you to collect.
<br />COMPLETEMMOF THLSCONTRACT: This contract can t my be charged if both voii and i agree in writing.
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