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• 3'= gog ADDITIONAL TERMS PREPAYM ACCRUAL OF THE FINANCE CHARGE: Even though I do not have to pay more than the regular scheduled monthly payment, I have the right to prosy the whale amount owing o in full at any time or in part from time to time. If the lending institution or bank that buys m contra" the finance finance daily, I know my finance charge will be less if I make an early payment, and it will be higher if I pay lsie; l also recognize that any neces arc esfirr s based on the in my final bill; I also know that the amounts shown ore the reverse side for the Finance Charge Total of Pa s ad' ent to le total y� payments Y ymen d the Total Sale Price that will receive each of fire tract on its due dose; and I know that there will be no refund if I because tlha+e is nothing to refund if I am c y lending institution or bank does sot compute the finance c barged at a doll basis. If the kndi ompu y, and will refund to me the unearned portion of the finance charge (interest) the accounting procedure known as the actual method ad the amount of m r+ base wt figured the scheduled dates and ar ourts of my monthly payer and not on the a and amounts of the prepayments that I pay o you, i kmyyv dun a nftutd oofi�s than S 1.00 will not be matte. ORTANT NOTICE ABOUT WARRANTIES: DUNYID u SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR FLIED, OF MERCHANTA- FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR. BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BY SEL- LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT), 01beftereil products win be reported (b)1 have read, in detail, the separate ' •LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the seas. >� a long as the warranty replaced. service contr of the limitations on the warranty, and I particularly t ognize that any implied wsmutty which applies to the CIAI-- OIRDFR GOOD: I know that ymt have nteasut ed my house and its cnpenings so that yew can make the products to fit my lenticular house. I tape notice that the hT the an mY house probably will tot fit any ater louses, and under such conditions, I know that I cannot cancel this contract at any time aatl the Period of tinne given o me, by law, in which to cancel. �►fter that legal period of time, I know that I have the obligation o pay You in full the amount owed. OIdLIGATIONS PERTAII�IING TO MY REAL ESTATE: 1. I promise o keep my hour it± good rel�nir and to keep it insured fa at least 80% of its replacement value by buyirhg a fire and extended co insuuatnce policy. The insurance y you ate o bep�d tf thtae is a bas inrsmsnce company must � I must be approved by you, and the policy must have a bettdxmy clause which says dun Ya dhectly forany . y'� can chhoose o use thus insurance agree that it wi !not cancel my policy without fast telling you. I authtotize the insurance so pay use �e o p�ytnent to either repay any amounts I owe you or to repair my house. 2. I also promise d" I an 1 not dbw 4.1 ovau ice aAat my rash estate without your written permission. 3. I p�t�use o �y all razes, assessments srd other charges out my teal carafe when one. payments mY prior loans secured by my real estate. I also p Dmtse that I will not extend, renew or change prior loans without y� written of t3. If I 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 not have to). Ifyou do pay any obligation for rte• I agree to pay you back on demand plus interest at the highest lawful contract rate of interest. Until l pay you back, these amounts will be added o my debt to you which is secured by my real estate and house. I know that if you decide to buy insurance for me that you do not have to obtain any homeowner or liability insurance. 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 make a payment when due; or 2. I 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 to pay you as promised; or 4. I default on any obligations for which I am using my home as collateral; or 3. Something happens to my house which threatens your rights, if any, in it. IF I AM IN DEFAULT: I understand that ou have the right to foreclose the Mortgage I have given to you and have my note sold to repay any amounts I owe you if I on in default under this contract. Before my louse is sold, you will do everything th the law requires. If you hire an attorney to assist you to sell my house, o, to a sue tree, ego prow" my � r rots, I � o Pat You for you reasonable attorneys' fees and for other related expenses such as court costs, title searches and matey you expended , you are allowed o 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 tights without losing 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 pur•hasing on my house, but I also understand that in some si may eiscounteir delays that are caused by strikes, weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control. I undue erstand that you will not be lisle for such delays. ARBITRATION: If I have 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 according to the mediation - arbitration program that may have developed in my community. I also know that any decision made by an atbiust*s) would be eas- t�ei in the cwt having jurisdiction over the and you. SALVAGE VALUE: I know drat the windows, woodwork and other materials that have to be removed by you for this installation have NO salvage vane, W m your m move thrsm, you can vS#wm for whateverptupose you want. SPECIALS e to the unitlutiness of sonic of the products that you sell. I understand that in special situations that your Regional Office may have to review and accept bads eon+ tract. I also understand that this sale occurred in my home and that you and I may not have had all the correct information important to dds trrunaetion at our ; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were INVALID PROVISIONS: if any provision of this contract violates the law and is unenforceable, the rest of the contract will be valid, If arty part of this contract rupitu payment of shore interest than the law permits, ten you will only have to right to collect from rte the amount of interest which the law allows you to coilm. COMPLETENESS OF THIS CONTRACT: This rontrartran rimy he rhononrt ifhnth vooi nnd 14or" in writino 4 ■i