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F ADDITIONAL TERMS 85-008154 PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even thtwgh I do not have to pay, more than the regular scheduled monthly payment, I have the right to pal the whole amount owing to you in full at any time or in part from time to time, if the lending institution or bank that buys my contract computes the finatice charge I know my finance charge will be less if 1 make an early payment, and it will be higher if I pay late; l also recognize that any necessary adjustment to my tWal i finance charge will be reflected in my final bill; l also know that the amounts shown on the reverse side for the Finance Charge, Total of Payments, and the Total Sale Price 1 are estimates based on the assumption that you will receive each of the payments exactly on its due date; and 1 know that there will be no refund if 1 prepay because there is nothing o refund if I am charged ore a daily basis. If the lending institution or bank does not compute the finance charge daily, and if 1 prey the whole amattttt, diem will refund to me the unearned portion of the finance charge ( interest) by the accounting procedure known as the actuarial method; and the amount of my mbate wtllbe figured on the scheduled dues and amounts of my monthly payment attd not on the actual dates and amounts of the prepayments that 1 pay to you. I know dust a refund of`lesc than $1.00will not be mate: ?A*i64E ABOUT WARRANTIES: BI N((a) We n 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 SELL- ER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). (b) (have read, in detail. the separate - LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the moo- t taRasris sd 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 goorh lads only as long as the warranty orservice 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. ) take tiotice that tine gook t� are manufactured for my specific house probably will tot fit any other houses, and under such conditions, l know that Icannot cancel this contract at any time: afterthe 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. OBLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY REAL ESTATE: L 1 promise to keep my house in good repair and to keep it insured for at least of its replacement value by buying a fire and extended coverage insurance policy. The insurance company must be approved y y and the policy must have a beneficiary clause which says that you are to be paid if there is a loss. The insurance company must agree that it will not cancel my policy without first telling you. I authorize the insurance company to pay you directly for any loss. You can choose to use this insurance k or through ember repay any amounts I owe you or to repair my house. I have the option of providing property insurance through an existing to y g policy independently obtained and paid for by me. _. 1 also promise that I will not allow anyone else to place any liens on my, real estate alwithoutyn r written permission. ?. 1 promise to pay all taxes, assessments and other charges on my, real estate when due. 4. 1 promise to timely pa}' prior loans secured by my real estate. 1 also promise that I will not extend, renew or change prior loans without your written pp^^- emission. 5. if 1 do not insure my house or fulfill my other obligations to my real estate, then you can do it for me if you want (but you do eta have [o). (f you do pay any of these obligations tie me. I agree to pay you lone{ on demand plus inieres[ at the highest lawful context rate of interest. Until I pa} you back. these amounts will be added to my debt to you which is secured by my real estate and house. 1 know that if you decide to buy insurance fur me that yew do not have it) oMain any hoimeowner or liability insurance. SALE OF MY HOUSE: I promise not to sell, lease or give my house to anyone until I have fulh repaid my debt to you. DEFAULT: I will be in default under this contract if: I . I don't make a payment when due; or 2. I break any promise I made to you in this con tract; or 3. Something else happens which causes you to believe in good faith that t do not intend to pay you as promised; or 4. 1 default on any obligations for which I am using my home as collateral: or S. Something happens to my house which threatens your rights. ifany. in it. IF I AM IN DEFAULT: 1 understand that you have the right to foreclose the Mortga e I have given to year and have my house sold to repay any amounts 1 owe you if an in default under this contract. Before my house is sold, you will do everything that the law requires. if ydw hire an attorney to assist you to sell my house, or, to sue rota or, to protect your rights, 1 agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches =money you expended to protect my house, if you are allowed to col lect such amounts by law. OTHER RIGHTS: We can choose not to enforce any of the ri ghts under this contract as often as we want without losing them. Or, we can delay enforcing any of the rights Athbour losing them. We can also use any rights now or mn the future given to us by law. DELAYS: f ksow that you will use your best effort s to install the products 1 am purchasing on my house, but I also understand that in some situations you ma encortiter delays that are sassed by suikes, weather conditions. delays you have in obtaining materi als, or for other reasons that are beyond your control. I understand that you will no be lid foradidelays. ARBITRATION. If I bsve a dispute or claim with you concerning the quantity, quality or performance of the products, I understand that my dispute may be submitted to and settled accotdnng to the mediation- arbitration program that may have developed in my community. I also know that any decision male by an arbitrator(-) would be en- axed in die court having jurisdiction over me and you. SALVAGE VALUE: I 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 diem. you can have them for whatever purpose you want. SPECIAL SITUATIONS: Due to the uniqueness of some of the products that you sell, I understand that in special situations that your Regional Office may have to review anddaadxxpt this contract. I also understand that this sale occurred in my home and that you and In rot have had all the correct infomntion important o this transaction fingertips: 8 you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed. INVALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, the rest of the contract will be valid. If any pat of this contract requiries 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 ydw o collect. C T Tilii l ALACT :17� contrast can only be changed if both you � I agree in writing.