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85-. 0006309 a ADDITIONAL TERMS PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though 1 do not have to pay more than the regular scheduled monthly payment, Mave the right to prepay the whole amount owing to yyou in full at any time or in part from time to time. If the lending institution or bank that buys my contract computes the finance charge daily, 1 know my finance charge will b- less if 1 make an early payment, and it will be higher if I pay late; I also recognize that any necessity adjur:tmem to my total finance charge will be reflected in my final bill; i also know that lice amounts shown on the reverse side for the Finance Charge, Total of Payments, and the Total Sale Price are esti- mates 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 prepay because there is nothing it) refund if 1 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, you will refund to me the untamed portion of the finance charge ( interest) by die accounting procedure known as the actuarial method; and the amount of my rebate will be figured on the scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prepayments that I pay to you. i know that a refund of less than $1.00 will not be made. IMPORTANT NOTICE ABOUT WARRANTIES: A We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- BI AND FITNESS FOR A PARTICULAR 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)1 have read, in detail, the separate "LIMITED WARRANTY" which accompanies this contract. it explains the conditions aril circumstances in which the taas- ufkctured products will be repaired or replaced. I take notice of the limitations on the warranty, and h panicularly wcognize that any implied warranty which apples sotto 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 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 know that i cannot cancel this contract at arty time after the penal 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 amountowed. OBLIGATIONS PERTAINING 'TO PROPER 'Tl' INSURANCE AND MY REAL ESTATE: It property insurance is required. 1 understand that the insurance crompant providing such insurance mu,l be appnncd by wu. and that the police must have a hcncltcian clause which says that you are to he paid if there ns a lo,s. I authorize the insurance ,ompam to jmi iou directic for an% loss, and you can choose to use this insurance ptrymeni to either repay any amounts I owe you or to repair my house i also understand that the insurance rinpany must agree that it will not cancel my policy without first telling you. I hive the opnon of prmidme propenh insurance Ihrtweh ;tit emsung policy or through a Indict independently obtained and paid for by me. If property' insurance n, required and I do not ohtant ,1101 insurance. s-ou may ohuon [his insurance for me d you want (but you du not have toi. If you do obtain such insurance for me. I mire to pat you back nn dernand pins interest at the highest lawful cunira :t rate of interest. SALE OF MY HOUSE: I promise not io sell. lease or tine in) house m antone urvil I have filly repaid nnv debt t, You. DEFAI'LT: i will he in default under this contract eE 1, 1 don't make a payment when due; or ?. 1 break any promise 1 made to you in this contract, or 3. Stunething else happens which causes you to believe in good faith that I do not intend to pay you as promised. IF i AM IN DEFAULT: i understand that you have the right to enforce the purchase money security interest I have given to you and repossess and sell the products de- scribed herein. 1 further understand that you have the right to collect any deficiency from me which may result from such sale. OTHER RIGHTS: We can chime not ao 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 Ica ing them. We can also use any rights now or in the hiture given to us by law. DELAYS: 1 know that you will use your best efforts to install the products I am purchasing on my house, but I also understand that in sonic situations you tray encounter delays that are caused by strikes, weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control. I will not hold you liable for sot h delays. ARBITRATION: If I have a dispute or claim with you concerning the quantity, quality or performance of the products. 1 understand that my dispute may be submitted to and settled according to the mediation - arbitration program that may have developed in my community. I also know that any decision trade by an atbitraborls) wotild be en- tered in the court having jurisdiction over me and you. SALVAGE VALUE: I know that the windows, woxrdwork, and other materials that have to he removed by you for this installation have NO salvage value. When you rc- mve them, you can have them for whatever purpose you want. SPECIAL SITUATIONS: Dug to the uniqueness of some of the products that you sell. I understand that in special situations that Your Regional Off-ice may have o review and accept this contract. I also understated that this sale occurred to my home and that you and I may not have had all the correct information i to this transaction at our fingertips; l give you my consent to correct any obvious errors that may have occurred when the Tanks in this contract were completed. INVALID PROVISIONS: If anv provision of this contract violates the law and is unenforceable, the rest of the contract will be valid. If any part of this contract requuim payment of trine interest than the law permits. then you will only have the right to collect from me the amount of interest which the law allows wru to collect. C LE TEtiESSOFTHISCO NTRAC'T•'Thiscontractc :n only be changed if both you and I agree in Writing . 'Ifs following notice brings it) my aticnuon the rights that 1 have even w hen this contract is sold m a hmancial institution or a bank, and I should notice that the i tance of this ptrwisron is stressed by its appearance in ten paint, hold face type: NOTICE ... . . . .. — ......__ — _._r,.. .e... c��ee.......t..e.... ff S s�