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1 �p .. ADDITIONAL TERMS c76� —" 106685 ' PREPAYMENT AND ACCRGAL.OF THE FINANCE CHARGE: E,ca though i do not hav a to pay nitre than the reeular scheduled monthly paynwnt. I have the right to prepay the whole amcwnt Owing toytw in full at any time or in pan from time to tune. If the lending institution or bank that buys iny contract compute the finance charge , daily, l know my finance charge will be less if 1 make anredy paytreit, and it will be higher it 1 pay late: l also recognue that any nece nary adjustment 16 my total finance charge will be reflected in my fitwl hilt: l also know that the amounts shown `o on the reverse side for the Finance Charge. Total of Paytiients. and the Total Sale Pneem emi- mates based on the aswmption that ytu will receive each of the payinems exactly on its due date: and I know that there will be no refund if 1 prepay because there is nothin to rcfural'if I am charged on a daily basis: If the tending:insutution ;gr bank ics not compute the finance charge daily. and if I prepay the whole amount. you'wdl refu ' one the uneamcd portion of the`tiiname charge t intrrtstl by the accounting pr6eedure known as the actuarial method: and the amount of my rebate will be figured on the scheduled dantesard amoiin[s of my ionthly pavmntntt and not onthe actual dales and amounts of the prepayments that pay to you. I know that a refund or less than Sl .t)4 swill rat be "made. MIRORTANT,NOTICE ABOUT WARRANTIES: s .11�e as` SELLEA� BY DISCLAIM ALL WARRANTIES, EXPRESSED . UED,, OF MERCHANTA- 9 p ;FI;IyEgg SPARTICULAWPLMP(M ON ALL GOODS AND S UNi.ESB SELLER FUR - N�t1ES`BU1l1cR WITH A PARATE'WRITTEN UMITED WARRANTY "'OR SERVICIrCONTRACT MADE SV SELL- ER ON 1711. OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT) 4b) I have rea& intletaii: the separafe "f0- YE.AR LIMITED w.ARRANTt which, if made. accompanies thiseontract. 1. rxpla' instheconditiems "andeircumstahich in which the manufactured products will he repaired or replaced. i uke notice of the limitations on the u arranty. and I particularly recognim that any impliedwatranty which " applies to the s a. - only as long as the warranty or seavtce con tract. lei I have read. in detail. the -separate - LIMITED INST.ALLATiON WARRANTY" which. if mark:, accompanies this contract. it explains the conditions and cir- cu nstanceS in which the installation of the siding will he redone. 1 take ootict of the limitations on the warranty. and i particularly recognize that any implied we ranty which applies to the instatlario t a. s an y as long as the warranty or %erytcecontract. SPECIAL-ORDER GOODS:1 know that you have measured env house and its openings so that you can make the products to tit my particular house. i take notice that the goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions. I knew that 1 cannot cancel this contract at any time after the pencilof tim rit e given to e. by Ia., in which tocancel. After that lee3l period of note. I know that I have the i,bligation to pay you in full the amount owed. OM.IGATIO \S F'ERTAE ti7tiG TO PROPERTY INSURANCE AND MY REAL ESTATE: 1. 1 promise to keep my house in good repair and to keep it insured for at least 1.40% of its replacement value by buying a fire and extended coverage insurance policy. The insurance company must be a prated by yew. and the policy must have a beneficiary' cla use which says that you are to he paid if there u a loss. The insurance company must agree that it wilt not cancel my policy without fits tilling you. I au- thorm the tnsuraiice crnnppaany to pay sou directly fcx any lo„ You can choose tit use this insurnce paynem to either repay any amounts 1 owe you or to repair my house. , I have the optics of prrov ding property insurance though an existing policy or through a It tlicy independently otitamed and paid for by mc. I also promise that 1 will not allow anyone else to glace any lens on my real estate without your written permission. 3. 1 promise to pay all taxes. asses,ments and other charges in my real estate when due. J; d promise to timely -make all payments on m) or loans secured by my real estate_ 1 also promise that 1 will notextend. renew or change prior loans without your written permission. 5- If f do ox insure my house or fulfi@ my other obhganion, to my real estate. then you can die it for me if x u want i but you dot tint have m1. if you do ppaay, arty of these obligations forme I agree to puy you back on demand pins interest at the highest lawful contract rate of interest. Until I pay you back. these home amounts will to addend to ins debt to you which is secured by my real estate and house. I know that if you decide to buy insurance forme chat you do net have to obtain any farreawtttr or lintil'ty,nstirutce. ;. SALE OF MV HOSE: I promise not to sell. ]castor give my house '"anyone until I have fully repaid in) debt to sou DEFAULT: l wdl be in defm dt underthis coronet if: 1. l dow'tantlma payment when due; or 2. 1 break any premium I made to you in thiscontract; or 3. 'Soitedliatchisibappeoll whichcootiesytwwbelie+ voeingoodfaiththatidonorintendtopayyetaspromised ;or 4 Idefaukom myoEbSat ioesforwhiehfaurausingmybonneascollttteral;or 5. Somethinghoppet to my house which dtreatens your rights,i f my, in it. EF I AM V4 DEFAULT- i understand that you have the right to fi- neclose the Mortgage I have given to 5•ou and have my house sold to repay any anowls; I owe you if i am w defaah under this construct. Before my house is sold, you will rb everything that the law requires. If you hire m attorney to assist you to sell my Isaote, or, to site ram, or. to protect yore tuts, I agree to lay you for you mason" attorneys' neys fees and for other related expenses such as court costs. title searches and money You expended to prow my house. of you are allowed tocolleo such amounts by law. OTRU JUGUM: We can choose not to enforce any of the rights udder this contract as often as we want without losing t hem. Or, we can flay enforcing any of the riglgs widtont losing then. We can also use my rights now or in the fli me given to us by law. DELAYS: broth that you will use your best efforts to install the products 1 am purchasing on my louse, but 1 also understand that in some situations you ma encounter dt�ys that are catumd by strikes. weather corditionu, delays you have in obtaining materials. or For otter reasons that we beyonO. your control. I urtdtxstand that you will ANKTRATION: If I have a dispute or claim with you concerning the quamit • quality or performance of the products, I understand that my dispute may be wbmitted to and aeeded according m the mediation - arbitration program this may have mleve led m my community. I also know that any decision made by an atfittntor(s) would be en- undin the court having jurisdaYion over toe and you. SALV AGE VALUE: I know that the windows. woodwork. siding, brick and other materials that have to he removed by you for this installation have NO salvage value. When yrouteatove unit, you can have them for whatever purpose you want. SAL SETUAT[ONS: Due to the uniqueness of some of the products than you sell. I understand that in special situations ohm your Regional Office may have to review and Luis contr act. i also understand that this sale occurred to my home and you and 1 nay not have had all the correct information important to this transaction sutott� I give yon my rnusem m correct my obvious errors that may have occurred when the blanks in this contract were completed. n1 cant,heooateact . aJiAmyaLi .paoff aw mya i+h4cvtM�ofroq paydratttoftnateiplelssttttanWelawpaxmita d"youwillady owma�t amowt�nrta wltic �elawaHarsyatto t OFT= CONTRACT. This contract can only be changedif both you and I wee in writing. I L_