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'S""'002667 r ADDITIONAL TERMS I PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though 1 do not have to pay more than the regular scheduled monthly payment, I have the right to the whole amount owing to Oar in full at any time Orin part from time to time. if the lending institution or bank that buys my contract computes the finance charge daily, l know my fuwnce charge will be less if ! make an early payment, and it will be higher if I pay late; I also recognize that any necessary ad'ustment to my total ft"oe charge will be mtkcted in my final bill; l also know that the amounts shown on the reverse side for the Finance Chuuge, Taal of Payments, and the Tad Sale Pti e arc estimates based to 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 pray because there is nothing to refund if I am charged on a daily basis. If the lending institution or bank doe sot compute the finance charge daily, and if f prepay rte whole amount, oar will refund o me the uriaarned portion of the finance charge (intent) by the accounting procedure known as the actuarial method; and the amount of my rebate wiR be fitured out the scheduled dates and amounts of my monthly payment =not on the dates and amounts of the pmpiyments that I pay to you. I know that a refund oo(rleksass than S 1.00 will not be made. IMPORTANT NOTICE ABOUT WARRANTIES: _ iii W* n SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- NISHES AND BUYFITNESS WITH A SEPARATE PARTICULAR WRITTEN PURPOSE MITED WARRANTY OR AND SERVICES ADE E 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 ms- tdietered 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 goads 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. I take notice that the goods that ate manufactured for my specific house probably will not fit any other , and under such conditions, 1 know that cannot cancel this Contract at any time affix the periodof time given to tux, by law, in which o cancel. After that legal period of tints, I know that 1 have thhe 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 60% of its replacement value by buying a fire and extended coverage insurance policy. The insurance company must be approved by you, and the policy must have a beneficiary chaise which says that you are o be paid if there is a russ. life Insurance company must agree that it ll trot cancel my policy withatt first telling you. 1 authorize the insurance fs pa yet directy for any loss. You can choose o use this insurance payment o either repay any amounts i owe you , to repay my house. 2. I also promise that I allow anyone t)se o Place any liens dm trry real carafe without your wntien permission. 3. 1 mice to pay all axes, easessments and other charges on my teal eiNale when dux. 4.1 prarttise o timely mdse all �yments on myy pponor loans secured by my real estate. i also promise thhat 1 will ncx extend, mmxw or change poor Joann withrout your writsen Pa+• $ riuhsure my house a felfdl my other obligations to my real elate, then year can it for tilt if you want (but yet not have o), If yw do IaY mY of these obli agree to pay yon back on demand plus interest at the highest lawful contract rate of interest. Until 1 pay you l�k, these amounts wiB be added o my debt to you wlach is secured by my real estak and house. 1 know that if you decide o buy insurance fix tux that you oho tot have o obtain any homeowner a lidhiliry iisirmce. 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. I don't stake a payment when due; or 2. 1 break any promise 1 trade 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 of any obligations for which I am using my home as collateral; or S. 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 Mongage 1 have given to year and have my house sold ro repay any amounts t owe you if I am in default under this contract. Before my house is sold, you will do everything that the Iaw requires. if you hire an attorney to assist you to sell my house, tat, o sue one, a, o proittt your rights. I agree to pay you for your reasonable attorneys' fees and for other related ex nses such as court costs, title searches and money you expended o protect my house, of you are allowed to collect such amounts by law. 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 kmng 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 your control. 1 understand thhat my house, but I also understand that in some situations you may encounter delays that arc caused by stripes, weather conditions, delays you have in obtaining materials, or for other reasons that are beyond not be lime fox such delays. you will ARSTTRATtON: If I have a dispute or claim with you concerning the quantity, quality or performance of the products, l understand that my dispute may be submitted to and settled according to the mediarton•arbrvation program that may have developed in my community. 1 also know that any des:ision tae& by an arbitrator(s) would be en- teted in the court having jurisdiction over rte 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 rte• move them. you can have them for whatever purpose you want. SPECIAL SITUATIONS: Due to the uniqueness of some of the prodoats dwVm sell, I undauand that in special situations that your Regional Officio may have 10 review and accept this contract. 1 also undentatd that this sale occurred in my home and that you and I may not have had all the correct information important to this transaction at our fmgenips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were compteled. INVALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, the rest of the contract will be valid. If any pan of this txmtract requires payment of more into" than the law permits, then you will only have the right to collect from me the amount of intergt which the Iaw allows you to collect. f'"U s" c'rc Vrr QC LL`Tnp I'i�-Tn ..—.� w .... �.__ n