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N -- P 85- 00,590 ADDITIONAL TERMS PREPAYMENT AND ACCRUAL bt THE FINANCE CHARGE: Even though 1 do not have to pay more than the regular scheduled monthly payment. I have the right to ffpay the whole amount owing to you in full at anytime or in part from time to time. If the lending institution or bank that buys my contract computes the finance charge daily, I know M e cwss makely payment, and higher if I ay late; I also recognize that any necessary ad ustrent to my total e harge will be in my final bill; l ase know thaunts shown on the reverse side for the Finance Charge, Total of Payrents, ache Total Sale Price on mption t you will receieach of dte payments exactly on its due date; and 1 know that there will no refund if I ply because these is nothing to refund if rged on daily bisIf the lendg insutubank does not compute the finance charge daily, atuf if I prepay the wlwk a, you will refuto portion of the finaaice charge (interest) by the accounting edure known as the actuarial method; and the amount of my ref be fil;uted on the schuled dates crud amounts of my monthly payment and not on the act dates and amounts of the prepayments that I pay to you. I know that a refund off 1)ess tban S t .� will trot be made. IMPORTANT NOTICE ABOUT WARRANTIES: ((a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- BUR AND FITNESS FOR A PAR i ICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR- NISHES BUYER WITH 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 circumstanc ^s in which the 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 tin the goods lasts only as long as the warranty or service contract. SPECIAL -ORDER GOODS:1 know that you have measured my house and its openings so that you can make the products to fit my particular ticular house. I take notice thatthe 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 time after the period of time given to me, by law, in which to cancel. After that legal period of time. I know that 1 have the obligation to pay you in full the amount owed. OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. I 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 coverage insurance policy. The insurance company must be a ved by you. and the policy must have a beneficiary claw which says that you are to be paid if there is a loss. The insurance company must agree that it will not cancel my policy without first telling you. d authorize the insurance corny to y you dattxily for any loss. You can choose to use this insurance payment to Dither repay any amounts 1 owe you or to repair my house. 2. I also promise that 1 will not aIU. an sae else to place any (tens on my real estate without your written permission. 3. f promise to pay all taxes, assessments and other charge an my real estate wren due. 4. ]promise to tinily make all payments on my lode loans secured by my real estate. Ial.�o promaise that 1 wdl rtot extend, reeve or change poor loans without your written pemtission. 5. If 1 do not insure my house or fulfill my other obligations to my real estate, then you can do it for me if you want (but you do not have to). If yw do pay any Of these obligations for tile, 1 agree top ay you back on demand plus interest at the highest lawful contract rate of interest. Until I pay you back, these amounts will be aid 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 you do oat have to obtain any homeowteror liability insurance. SALE OF MY HOUSE: I promise not to sell, lease or give my house to anyone until I have fully repaid my debt to you. DEFAULT: I will be in default under this contract if: I . I don't make a payment when due; or ? 1 break any promise I made to you in this contract; or 3. Something else happens which causes you to believe in good faith that 1 do not intend to pay you as promised; or 4. 1 defaulton any obligations forwhich I am using my home as collateral; or 5. Something happens to my house which threatens your rights, if any, in it. IF I AM IN DEFAULT: i understand that you have the right to foreclose the Mortgagge I have given to ou and have my house sold to repay any amounts 1 owe you if I am in default under this contrast. Before my house is sold, you will do everything that de law requires. It}vou hire an attorney to assist you to sell my house. �, ro acre ere. or, to protect your nghts, 1 agree to pay you for your reasonable attorneys fees and for other related expenses such as court costs, title searches and money you expended sea protect iny limae, ifyawareallowedtoco llectsuchanrounisbyhaw. 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 without losing them. We can also use any rights now or in 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 some situations you ma eta ttxer delays that are caused by strikes. weather conditions, delays you have in obtaining materials, or dr other reasons that arc beyond your control. 1 understand that you will not he 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 tray be submattedto and settled according to the mediation - arbitration program that may have developed in my community. I also know that any decision made by an artimor(s) would be an- taled in the court having jurisdiction over me and you. SALVAGE VALUE: I know that the windows. woodwork. and other materials that have to be removed by you for this installation have II®aalvage value. When y" rx• move them, you can have them for whatever purpose you want. SPECIAL SITUA : Due to the uniaueress of some of the products that you sell, I understand that in special situations that yorrRegioia] Office may have W review acid accept this coututiaL I also understand that this sale occurred in my home end 00 you and 1 ma mat have lead all the correct information i to this witanctim at our fingertips; 1 my consent to correct any obvious errors that may have itrred when the blanks in this contract were compl . II'ALIDPROVIS11ONS.1fast provi siou Of this contract violate tie law and is unenforceable, the rest of ft contract will be valid. If any put of this cod requirtis payment of more a Lw its, then you will only have the right to collect fnwn me the amount of interest which the law allows you to collect. 7 i I }