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ADDITIONAL TERMS 001781 " �i'lfit PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though 1 do not have t pay more than the regular scheduled nwnthl right to pprerepay the whole amount owing to ou in full at any time or in part from time to tithe. If the le ing institution or bank that buys my contract computes the fmanrce charge today, I know my in charge will 6e Icss if I make an early payment, std it will be higlkr if 1 ay late; I also recognize that any txcusary adjusUttent t my total finance charge will be refleced in my final bill; I also know "'d t the amounts shown on the reverse sate for the Finance Charge, Total of Payments, and the Tool Seek Fricc are estimates to on the assumtxinn that you will trceive ch of the payttxnts exactly on its due date; and I know that there wiU bx nee refund if 1 prepay because them is nothing to re fund if i am chargod on a daily basis. if the ing nstitution or bank does not compare the finance charge lofty, and if I prepay the whole amount, ou w�ilul�redfund to btu the unearned portion of the finance charge ( interest) by the accounting procedure known as the actuarial method; and the amount of my rebate will be otflua that[ the .00 wilillltrot be mom. amours of my monthly payment and rat on the actual data and amounts of the prepayments that 1 pay to you. 1 know that a refund IMPORTANT NOTICE ABOUT WARRANTIES: BILO We at SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- 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)I�eread `i� d tail, the separate "LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstance in which the �. goods lasts only as long as dies waarrran or y replaced. ervic conttrac�ce of the limitations on the warranty, and 1 particularly recogniu that any implied wananty which applies to the SPECIAL -ORDER GOODS: I know that you have measured my house and its openings so tat you can make the products t fit my particular house. I take notice thug 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 time after the period of titter given to rte, by law, in which to cancel. Afterthat legal period of time, l know that I have the obligation to pay you in full the amount owed. OBLIGATIONS eyng a e a 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 you buying to a fire and extended cooerage mnsurancc policy. The inauramx compant must be awed by Yon, and the policy must have a beneficiary clause which soya tar g you arc to be mid if [lute is a loss. The insurance company must agree that it wi 1 not cance my policy without first telling you. l authoriu the insunna perry 1.01 y you directly for any loss. You can choose t use this insurance payment to either repay any amounts I owe you or to repair my house. 2.1 also promise lhatlw "11 not �w att�oe else t place any liens on my real caste without your written permission. 3. 1 protnix to pay all taxes, aasusrtuttta band Ater charges on my teal estate when due. 4. promise t tiely make all payments on my,tor loans secura! by my real rate. f also pro that 1 will not extend, renew or change prim loans without your written of the s ob] 5. If I do not insure , I agree arouse o or fulfill my other obligations to my real estate, then you can do it for are if you want (but you do not have t). If you do pay any of these obligations for is l agree by You back on demand plus interest at the highest lawful contract rate of interest. Until I pay you back, these amounts will be added in my debt to you which is secured by my teal estate trod house. I know that if you decide to buy insurance for me that you do not have to obtain any homeowner or li"y 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: 1. 1 don't make 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 in good faith that I do not intend to pay you as promised; or 4. 1 default on any obligations for which 1 am using my home as collateral; or S. Something happens to my house which threatens yourrights,ifany,init. IF I AM IN DEFAULT: 1 understand that you have the right to foreclose the R4ongage t have given to you and have my house sold t repay any amounts 1 owe you if I am in fault your tights. this contract. to pay ou house is read, you will or everything that the law requires. Ifyou hire an attorney to assist you to sell my house, or, to sue me, tP rrotec�tmy house f you areawed to you such smouna by law. fees and for other related expenses such as court costs, title searches and money you expended OTHER RIGHTS: We can choose not to enforce any of the rights under this contact as otten as we want without losing them. Or, we can delay enforcing any of tau rights without losing them. We can also use any rights now or in the future given t us by law. y DELAYS: I know that delays that are caused by strikes. use osndtuoonnss to do ayes you have n obtaining materials, o for other reasons that are beyond nd your control. I derstand dust encounter u will not be liable for such delays. you will ARBITRATION: If 1 have a dispute or claim with you concerning the quanti ty, quality or performance of the products, 1 understand that my dispute may be submits t and settled according t the mediation- arbitration program that may have developed in my community. 1 also know that any decision trade by an arbitrators) would be en- �ed in tax court having jurisdiction over me and you. SALVAGE VALUE:1 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- move them, you can have them for whatever purpose you want. SPECIAL SITUATIONS: Due to the uniqueness of some of the products t! }pat �/I�, j ISitand that in special Situations that your Regional Office may have t review and accept this contract. I also understand that this sale occurred in my hortio ar111 tLAybG atnd I may not have had all the correct information i at ourfmgertips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed. tnportant t this transaction INVALID 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 coand ta"it" Payment of more interest than the law permits, then you will only have to right t collect from me the amount of interest which the law allows you t cotlact. COMPLETENESS OF THIS CONTRACT; Ibis contract can only be changed if both you and I agree in writing. The folk wine notice hringa to my attention the rights that I have even when this contract is sold to a financial institution ora bank. and I should notice that the impor. _Ii i