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85- 002929 ADDITIONAL TERMS top PREPAYMENT AND ACCRUAL. OF THE FINA NCE CHARGE: Even though I do not have to pay more r scheduled Monthly payment, I , have the right repay the Whole amount owing to uinfullatanv' - finance charge will time Or in part from time to time. If the lendin institution or bank I computes the finance char ge daily, I know MN than the regular you it' I make an early Payment. and it will be higher if I pay ate; I also recognize that any necessary adjustment to my total finance charge Will be reflected in my final bill; at buys my contract 11 also know that the amounts shown on the reverse side for the Finance Charge, Total of Payments, and the Total Sale Price athi esti- Tules based on the ass I assumption that you will receive each of the payments exactly on its due date d k w at he will to tile the unearned nion of theft nance charge 0merest) by the accounting Procedure known 'an I no that there 11 be no refund if I prepay because there is n to refund if I All) charged on a *basis. I the lending institution or bank does im compute. the finance charge in scheduled dates po e daily, and if I prepay the whole amount, You will fuZ method; and the amount of my rebate will be figured on the 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. as the actuarial IMPORTANT NOTICE ABOUT WARRANTIES: BILA8V WO " SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUL- LER BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE 13Y SEL- LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). Ufacto (b) I have read, in detail, the separate " I-IMITED WARRANTY" ' which accompanies this contract. It explains the conditions and circumstances in which the trum- goods red products will be repaired or rq)iaced. I take notice of the limitations on the warranty, and I Particularly recognize that any implied warranty applies I h lasts only as 'one as the warranty or service contract. SPECIAL-ORDER GOODS: I know that you have measured my, ho which o the goods that are manufactured for my specific house probably t any other houss. and under such conditions, I know that I cannot cancel this contract I I �IY will .0, use and its Openings so that You can make the products to fit my particular house. I take notice that the after IN- period of time given to me, bylaw. in which to cancel Aft erthat legal period of time, I know that I have the obligation to pay you in Ul the amount C rac a any firm .STATE- if propertv insurance is required, I understand that the nsurance OBI-IGATIONS PERTAINING TO Pi he INSt'RANCE AND MY REAL. E nt owed. Cothpany providin!41 such insurance must he appw� is a loss'. I authorize the insurance cot ed and that thL• PI)Jic� 11111SI ha%.e- ow-C you or to repair !0 PaN }nu directly for anN kiss, a heneticia"• clause which says that you are it) he paid have ill' 111)? house. I also understand , nd u can choose 10 e option of proNaN in a if that the use this insurance id if [here ' ' 11 c Payment to either repay any amounts required and I du uOI obtain prose insurance through an pt,l,e c"Ill'i'M must agree that it will not cancel 11IN policy I s )r through Pilh,'x indervitdcutiv Obtained and I') without firsi'telli`ug you I. such insurance. WU tna% obtain this insurance for 11 aid tor h 4)r nle- !agree It) P3v )()u back on de It %OU v tile I! property insurance n1an(' Pit's 'Interest-at the hwlic�,a la"I'lli :oni "ant !hut Y(.)Lj (to not have to). If �ou do oFtai raci raic q n" ant n such insurance SALE OF M1• HOUSE: I promise not 10 sell. lease or gi%c It)% h0ti- to amone Until I have full% repaid rn\ �,cj)j 10 Nou DEFAULT: I will be in default under this contract if: I. I 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 10 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. I further understand that you have the right to collect any defici P OTHER RIGHTS: We can choose not to enforce arty (it- the cncv from me which may result from such sale. without lo�� ing them. We can also use any rights now o , rights under this contract as often as we want without losing them. Or, we can delay enforcing any of the rights DELAYS: I know that you r in the future given to us by law. strikes, weather conditions. delay s ) ()u have in obtaining pure delays that are caused by stri"' use your best efforts to install the products I am pu has mg on my house, but I also understand that in some situation, you such delays. inning materials, or for Other reasons that are beyond your cOnlrol, I will n s may encounter ARBITRATION: If I have a dispute or claim of hold you liable for ,in with YOU concerning the quantity, quality Or Performance of the products. I understand that my dispute may submitted to and settled according to the mediation -arbi Ira ' ['On PrOgram that may have developed in my community, 1 also know that any decision made by an arbitrator(s) would be en- tered in the court havingjurisdiction over me and you. be te SALVAGE VALUE: I know that the windows, move them. You can have them wOOdwork, and other materials that have for whatever purpose YOU want. SPECIAL SITUATIONS- to be removed by you for this installation have NO salvage value. When you re- also understand a and accept this contract I * Due to the uniqueness of'some of the products that yousell, I understand that in special situations that Your Regional Office rnav have to review at our fingertips, I give * that ill's sale Occurred in my home and that you and I ma blanks have had all the correct information important I " you my consent 10 correct any Obvious errors that may have Occurred when the 1 0 this transaction INVALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, anks in this contract were completed. Payment of more interest than the law permits, then you will only have the right to collect the rest Of the contract will be valid. If an), part Ofthis contract requires ollect from me & amount of interest which the law allow, agree in writing, s you to collect. Thp followino n"It- COMPLETENESS OF THIS CONTRACT: This contract can Only be changed if both You and I