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a 000589 AUDITIONAL TERMS - ' 4 PREPAYMENT AND ACCRUAL OY THE FINANCE CHARGE: Even though I do not have to pay more than the regular scheduled monthly payment, 1 have the right to prepay the whole amount owing to you in full at any time or in pan from time to time. If the lending institution or bank that buys my contract computes the finance charge daily, l know, my finance charge will be less if I snake an early payment, and it will be higher if I pay late ;l also recognize that any necessary adjustment to my total ftnanc� charge will be reflected in my foal bill; I also know that the amounts shown on the reverse side for the Finance Charge, Total of Payments, and the Total Sale Price are 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 I prepay, because there is nothing 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 the whole amount, ou will refund tonic the unearned portion of the finance charge (interest) by the accounting oxiure known as the actuarial method turd the amount of my rebate will be figured on the scheduled dates and amounts of my monthly payment and not on the act�aes and amounts of the prepayments that I pay to you. I know that a refund of less dun $ I.00 will not be mask. IMPORTANT NOTICE ABOUT WARRANTIES: to' 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 WIITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BY SEL- LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). (b) I have read, in detail, the separate - LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the ud 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 goods lasts only as long as the warranty or service contract. SPECIAL -ORDER GOODS: I know that you have measured my house and its openings so that you can make the products to fit my particular house. 1 take notice a that the goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions, I know that I cannot cancel this contract at any [iris after the period of tine given to ore, 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. OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. 1 promise to keep my house in good repair and to keep it insured for at least 80% of its replacement value by buying a fire and extended coverege insurance policy. The insurance company must be approved by you, and the policy must have a beneficiary clause which says that you are to be paid if there is a loss. The insurance company must agree that it wifl not cancel my policy without first telling you. I authorize the insurance company to pay you directly for any loss. You can choose to use this insurance payment to either repay any amounts I owe you or to repair my house. Z. 1 also promise that I will nee allow an yone eau to place any liens oa my real estate without your written permission. 3. 1 =cruse to pay all taxes, assessments and other charges on my real estate wleu vie. a. i Potnise to timely make all payments on my tat lasso secured by my real estate. t also promise that 1 will not extend, renew or change prior loans without your written pemusston. 5. If f do not insure my house or ful dl my other obligations to my real estatr. then you can do it for me if you want (but you do rot have to). If yaw do pay any of thtese obligations for me, I agree to pay you back on demand plus interest at the highest law•fuf contract rate of interest. Until I pay you back. these amounts will be wided to my debt to you which is secured by my real estate and house. I know that if you decide to buy insurance for me that ynu do not have to obtain any homeowner or liability insurance. SALE OF MY HOUSE - I promise not to sell, lease or give my house to anyone until 1 have! uily repaid my debt to you. DEFAULT: I will be in default under this contract if: I . I don't stake a payment when due: or 2. 1 break any promise I made to you in this contract: or 3. Something else happens which causes you to believe m good fait[ that I do not intend to par you as pmmrsed; or 4. 1 default on any obligations for which I tun using my home as collateral, or 5. Something happens to my house which threatens your rights. if any, to it IF I AM IN DEFAULT: I understand that you have the right to foreclose the IvIorigage I have giver. to rou and have my house sold to repay any amounts I owe you if I am to 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 hoax, ox, to sae ore, ox, to protect your rights, I agree to pay you for your reasonable attorneys' fees and for other related expenses such us coup costs, title searches and money you expended to protect my house, if you are allowed to collect such amounts by law. OTHER RIGHTS: We can choose not to enforce any tit the rights under this contract a., olren 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 an the future given to us by law. 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 son,c situations you ma encounter delays that arc caused by strikes. weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control. 1 understand that you will not be liable for such delays. ARBITRATION: If 1 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 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 been• tered in the court having jurisdiction over me and you. SALVAGE VALUE: I know that the windows, woodwork, and other materials that have in be removed by rots fort this installation have NO saJvap value. When you re• stove them, you can have them for whatever purpose you want. SPECIAL SITUATIONS: Due to the uniqueness of some of the products that you sell. t understand that in special situations that your Regional Office may have to review and accept this contract. I also understand that this sale occurred to my home and thtk you and I may not have had all the correct inf n important to this transaction at our f8ngentps: I give you my consent to correct any obvious errors that may have 000umd when the blanks to this cc ni uci were completed. [NfVALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, the rest of the contract will he valid. If any pats of this contract requim peynwm of more interest than the law permits, then you will only have the right to collect from rite the amount of interest which the law allows you to collect.