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85_- 002995
<br />ADDITIONAL TERMS
<br />PKEP.AVMF:NT AND ACCRUAL. OF THE FiNANCE CHARGE:: FN cn though 1 do not have to pay more than the regular scheduled monthly payment, I have the
<br />tight to pprepaythe Whoieq)ttunt owing to you in full at anv time or in part trout time l o t ime. If the lending institution or bank that buys my contract computes the finance
<br />charge daily, 1 kitd tee ffi(�1drice charge will be less if i make an early payment. and it will he higher if i pay late; I also recognize that any necessary adjustment to my total
<br />finarx:e cbarge will he reflected in my final bill; I also know that the amounts shown on the reverse side for the finance Charge, Total of Payments, and the Total Sale Price
<br />are estimates 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 i prepay because there
<br />is nothing to refund if i am charged on a daily basis. If the lending institution or bank defies not compute the finance charge daily, and if I prepay the whole amount, you
<br />will refund to me the unearned portion of the finance charge (interest) by the accounting prtx:dure known as the actuarial method; and the amount of my rebate will be
<br />figured on the scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prepayments that 1 pay to you. i know that a refund
<br />OT less than $1 -00 will not be made.
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />(a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />BiLITY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR-
<br />NISHES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BY SELL-
<br />ER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT).
<br />(b) t have read, in detail, the separate "LiN4iTFD WARRANTY" which acecunpames this contract. it explains the conditions and circumstances in which the man -
<br />ufactured products will he repaired or replaced. i take notice of the limitations on the warranty. and I parri :_uiarly recognize that any implied warranty which applies to the
<br />goods lasts only as long as the warranty or service contract.
<br />SPECIAL -ORDER GOODS: 1 know that you have ni asnred nt_y house and its openings so that you can make the products to fit my particular house. I take notice that the
<br />goods that are manufactured for my specific house probably will not fit any other houses, and udder such conditions, i know that I cannot cancel this contract at any time
<br />after the period 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 amount owed.
<br />OBLIGATION'S PERTAINING TO PROP[,:R 'I'1 - 1NSUR :1N(F AND MY REAI. ESTATE: 1 1 promise to keep my house in good repair and to keep
<br />it insured for at (cast so,f tit it, replacement %aluc by hMM :i tire and c%ttntictt ui- .-raec insurance 1?olicy. The ntsurance company must be approved
<br />by you, and the policy must hake a henehclar% :lau,e whi, 1, sa%, that ktm i • 1 , he paid if there n a loss. The insurance company must agree that
<br />it will not camel my policy without fir.t tellinc wu. I :wthonfc the rit,ur,inct to oak kou drrectlk for any loss. You can choose to use this
<br />insu +nee payment to either repay any amount, i �,kc you o, lit, reo:or flit% huu,e. I ha%e the option of pro\,idling property insurance through an existing
<br />rx%licy or through a pc.hc% inde�ndently ohtatnu, 'u1d paid for hG me 1 al,o promise that I will not allow anyone else to place any liens on my real
<br />estate witht,ut ,our written perntis,itm 1 pn„tu,c lit, ;,a\ ;ill tats, „c „rncnt, and other charge, on ntk real estate when true. 4 f promise to timely
<br />make ;:II payments on rm prior lout, ,ecurcd h ill real t•,t,rte I al pro'nise that 1 ,'6111 rot extend. renew or change prior loans without your written
<br />pt rmi,sion e it I t :o not lrrsurc rtit hou,c i ;uai11 nn_ other ohii aUo;i, it) my real estate. !hcn you can do it Mr me if tort want (hut kou do not
<br />!take lit :o it ,tai do lta% any of these ohlig :soon, for me. I agree In p:i% _you hack on dcntanti ;,!t:, !ntrrest at the tuehest lawful contract rate'of interest.
<br />I'ntil I pay coo hack. these amounts %till he added to nn debt it, %ou whi.'h 11 second h% :'al est :;te :find house. I kno %+ thiit it decide to but
<br />insurance !or nic that vote do not hake to oblion tiny homco\'kncr or llahi!1t\ insurancc
<br />SALE OF 111' HOUSE: I promise not to ,ell. Ica,! or !,we m% hou,c to ,m. one until I hake ttill_t repaid nik dehi lit y ,u.
<br />DEFAULT: 1 will he in default under this contract if:
<br />1. I don't make a payment when due; or
<br />2. 1 break any promise I made to you in this contract: or
<br />3. Something else happens which causes you to believe in ;turd faith that I do not intend to pay you as promised; or
<br />4. I default on anv obligations for which I am using my home as collateral; or
<br />5. Something happens to my house which threatens your rights. if any, in it.
<br />IF I AM IN DEFAULT: i understand that you have the right to foreclose the Mortgage I have given to you and have my house sold to repay any amounts 1 owe you if l
<br />am in default under this contract. Before my house is sold. you will do everything that the law requires. If you hire an attorney to assist you to sell my hose. or. to sue me,
<br />or, to protect your rights, i agree to pay, you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches antj money you expended
<br />toprotect my house, if you are allowed tocollect such amounts by law. 0
<br />OTHER RIGHTS: We can choose not to enforce any of the rights under this contract as often as we want without losing them. Car. we can delay enforcing any (it the rights
<br />without losing them. We call also use any rights now or in the future given to us by law.
<br />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 to some situations you mae encounter
<br />delays that are caused by strikes, weather conditions, delays you have in obtaining matenals, or for other reasons that are beyond your control. 1 understand that you will
<br />not fie liable for such delays.
<br />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
<br />and settled according to the mediation - arbitration program that may have developed in my community. 1 also know that any decision made by an arbitrator(s) would be en-
<br />tered in the court having jurisdiction over me and you.
<br />SALVAGE VALUE: I know that the windows, wotxiwork, and other materials that have to he removed by you for this installation have NO salvage value. When you re-
<br />move them, you can have them for whatever purpose you want
<br />SPECIAL. SITUATIONS: Due to the uniqueness of some of the product, that you sell, I understand that in special situations that your Regional Office may have to review
<br />and accept this contract. I also understand that this sale occurred to my home and that you and I may not have had all the correct information important to this transaction
<br />at our fingertips. I give you my consent to correct any obvious errors; that may hake occurred when the blanks in this contract were completed.
<br />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 contract requires
<br />payment of more interest than the law permits, then you will only have the right to collect from me the amount of interest which the law allows you to collect.
<br />COMPL.EWI SO4THIS CONTRACT: "Phis contract can only he changed if both you and I agree in writing.
<br />AIR
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