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85-- OQSigi ADDITIONAL TERMS PREPAYMENT AND ACCRI' Al. OF THE 1 E: Even though I do not haxc ,, p n mot c• than the regular scheduled nvmthly pas r nst. I lase. the right to prepay the whole amount owing to you in fulNt iAgwrt f tom time to time. If the lending in.nuninn c r bank that huh c .uv contract compete, the i inane charge dadv, I lnow mv' finance charge will be less if I make an early payment, and it will he higher d I pay late: I also recognize that an% necessar•c adjustment h, my total finance charge will he reflected In my final hill; 1 also know that the amounts shown on the reverse side for the Finance Charge• ligal of Payments, and the Total Sale Price are esti- mates based on the assumption that you will recci%e each of the payments exactly on its due date: and i know that there will he no refund it I prepay hecau4e there is nothing to refund if I am charged on a d tih basis. If the lending institution or bank does not compute the finance charge daily, and if I prepay the whole amount. you will refund to me the unearned portion of the finance charge ( imerest t by the accounting procedure known us the actuarial method: and the amount of my rebate will be figured on the scheduled dates and amounts of my monthly payment and not on the actual dates and amnums of the prepacmems that I pay to you - I know that a refund of Irss than $1.00 will not he made. IMPORTANT NOTICE ABOUT WARRANTIES: (a? We m SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA- BILITY 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). tb) I have read. in detail. the separate 10-YEAR LIMITED W.ARRANTl "` which. it made a, ompamcs this contract It explains the conditions and circumstances in which the manufactured product will he'repaired or replaced. I take notice of the limitations on the warranty, and 1 partictdarl% recognize that any impliedwarranly which applies to the goo - s asts only as lone as the warranty or senice contract. io I have read. in detail, the separan. LIMITED INSTALLATION WARRANTYwhich, it made. accompanies this contract. It explains the conditions and cir- cumstances in which the installation of the siding will be redone. I take notice of the Iimitatitins nn the warranty. and 1 particularly recognize that any impiied warranty which on y a applies to the installation ass s long as the warranty or service contract. SPECIAL. -ORDER GOODS: 1 know that you have measured im house and its openings so that you can make tlae product to fit my particular house. 1 take notice that the goods that are manufactured fix my specific house pnobabl% will'not tit any other houses and under such conditions. I know that I cannot cancel this contract at any time afterihe period of time given to me. by law• in which tocanceh. Atterthat;epal period of time. I know that 1 hake the obligation to pay you in full the amount owed. ORLIGATIONS PERTAINING: TO PROPERTY INSURANCE AND MY REAI. ESTATE.: I 1 nronow to keep my house in eocdl repair and to keep it insured for at least 80q of its replacement value by buvine a fire and extended coverage insurance p oficy The msur:mcc company must he a�proved by you, and the policy must have a benefician clause which says that you :ae to he paid if there is it loss. The insurance compan must agree !hat it will not canoe, my policy without first telling you. I au- thorize the insurance cornpany to pay you directly Jor an% loss. You can choose to use this msurance.puymem to cither repay an) amounts I owe you or ho repair my house. 1 have the option of proyidmg pn,pem insurance nhmuch an ex fisting polio% or through a policy independcn k obtained and paid for by me. _ 1 also promise that 1 will not allow an'orteelse do place anv liens tin my real estate without your wrmcn permcsio n. ?. 1 promise to av all taxes. assessments and other charges on my real estate when due. d. 1promise to tuneh snake all payment on mr prior Inans secured by my real estate. 1 also nn use• that I w ill not extend. renew or change prior loans without your written permit, ion. 5. If f do not insure my house or fulfill n!r other obliLation. to on real static . hair , on can dh it :or me if you want thin you do not have to). 1£v6u do [sty any tit these obligations for me, I agree to par you back tin demand plus interest tit !he• highest lawluI e ontracr raid of interest I'not I pad you back, these umounts will he -added to my debt to you which is secured br my real estate :.find house I know that If sou dec ice to bur msur;mcc b.* one that , ou do no! have to obtain anv homeowner orhabilm insurance. - - SALE OFMYHOUSE: I promise not to sell. lea4e'0rgike m_yhouse m anyone until I have fully repaid my debt u, kou DEFAULT: I will be in default under this contract if: 1. I don't snake a payment when due; or 2. I break any promise I nude to you in this contract: or 3. Something else happens which causes you to believe in good faith that 1 do not intend to pay you as promised: or 4. f default of any obligations for which 1 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 fsrechxe the Mortgage 1 have given to you and have my house sold to repay any amounts I owe you if 1 am in defauh under this contract. Before my house is sold. you will do everything that the la% requires. [(you hire an attorney to assist you to sell m house, or. too sex me, or, to praut ydur rights, I agree an pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches atM money you expended to protect my Muse. if you are allowed to collect such amounts by law. OTHER RIGHTS: We can choose not to enforce in of the right under this contract as often as we want without losing them. Or, we can delay enforcing any of the rights without losing them. We can also use any rights now or in the future g ven to us by law. DELAYS: I know that you will use vour best efforts to install the products I am purchasing on my house, but 1 also understand that in sonic situations you may e:newr delays that are caused by strikes, weather conditions, delays you have it,, obtaining materials, or for other reasons that arc beyond your control. I understand that yon will am be lutbk fax such delays. ARI iTRATlON: if I have a dispute or claim with you concerning the quantity, quality or performance of the iptdws, I understand that my dispute may be submitted to and settled according to the mediation- arbitration program that may have developed in my cennmunity I also know that an-, decision made by an arbitrator(s) world be en- tered its the court having jurisdiction over me and you. SAL% AGE \ALOE: I know that the winch w.. 'oodwork. stdfu - hock and other nutt•nai, that ha,e w he rVmo,vo ht uru fir this installation have NO salvage value. When %Ou remove them. you cart have them for w hatcver parpose vuu want. SPF,A [AL SITOAMNS: Due to the uniqueness of some of the products that you sell. I understand that in special situations that your Regional Office my have to review and MC011P this ecmtracx. 1 also understand that this sale occurred to my home and that you and I mai not have had all the correct information important to this infasaetiort au tw frrt&nipxa; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contrail were completed. o=t . � m mss.• -caw.. •a. .. 9