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in ADDITIONAL TERMS 85--m 004597 . PREPAYMENT AND ACCRUAL OF THE FINANCE, CHARGE: liven though I do not have to pa% more than !here •ular scheduled monthly paymem. I have the right to prepay the whole amount owing to )•ou in full at any time or in part from tinge to time. If the lending instimtion or bank t at buys my contract computes the finance charge daily. I know my finance charge will be less if I make an early payment, :cod it will be higher if 1 pay, late: I also recognize that an necessary adjustment ur my total finance charge will be reflected in my final bill: I also know that the amounts shown on the reverse side for the Finance Charge. Trial of Payments, and the Total Sale Price wessti- matea based on the assumption that you will receive each of the paymems exactly on its due date: and I know that there will be no refund if] prepay because there is noth,ina to refund if I am charged on A daily basis. If the lending institution or bank does not compute the finance charge daily. and if I prepay the whole amount. your Will teftirrd to Inc the unearned portion of the finance charge (interest) by the accounting procedure known as the actuarial method; and the amount of my rebate will be figured on the sche na of my mu mthly paytru nt and not on the actual dates and amounts of the prepayments that I pay to you. I know that a teftmd of less dust $1.00 w•llnot -, _ V IMPORTANT NOTICE ABOUT WARRANTIES: _ �s� W* as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA SUN 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 `8Y'SELL- ER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). IN I have read. in detail. the separate '• I o -YF•AR LIMITED R• 4RRA N'I Y•' which, if made. accompanies this contract. It explain the conditions and circumstances in which the manufactured products w ill he repaired in- replaced. I take tmticeofllic limitations on the warranty, and I particularly recognize that any impliedwatrantywhich applies to the gt. s asrt+•mlc a, gone as the warranty.,r x :nice contract. Ici I ha%c read. in detail. the separate 1 LI611TFD INSTALLATION 'A ARRANTY" which. if made. accompanies this contract. It explains the contdltions and cir- cumstamrs In which the m%,Alation of the siding will be redone. I take notice of the limitat ions nn the warranty, and I particularly recognize that any impliedwatranty which applies to the imtallahon astastl sonTv— as longasthewarrantsorservicecontract SPF,CIAL- ORDER GOODS: I k now that you hake measured my house and its openutes so that you can make the products in fit not particular house. I take notice that the gonads that are manufactured for nis specific house p rohahly will -not tit any other houses, and under such conditions. I know that I•cannol cancel this contract at any time after the period oftime given w rite. by law, in which rocanccl After that local period of umc. I know that I base the obligation to pay you in full theatauntowed. OBLIGATIONS PERTAINING TO PROPERTY INSURANCE. AND MY REAL ESTATE:: I. 1 promise to keep my house in good repair and to keep it insured for at eau ftt)'x of m rcpl:,cennrnl ,ague M' boring a f ire and extended covemce insurance policy. The insurance company muyt he aeproved by you. W, the policy must have a livneficialy clause which says that you are tk be paid it then is a loo. the insurance company must agree that it wifl not cane Inv policy without first telling you. 1 au- thorize the insurance cntn ny ul pay rot directly tun any ios,. You can chdu,se to use this insurance paiment tocilher repay any alruwms f owe you Orin repair my htmse. in art the option of prod ing pr>Ierty msur use through an exhting 1>.dc� or Ihrou -b- i poll: •: indepe ride I,II% obtained :coil pad for by nlc. 2. 1 also promise Ihar f will not :r11Uw anyktte Clye ill plae'e ens' hens On my real C,ralc wlthlnll r1�Ur written pefnli„II n. I pmmse m pay' ;ill taxi',, a„C, \nlenls :tnd OIhCrChafges On mY real estate When due. 4. I pnlmise Ile nnlel }' IllakC all par'mellls f)11 rely' prof Iilanl , cured hs mY r •:11 tai I al, I r'01niw that I will not extend. renew or change prior loans without your written Perm i'smn I du a>t insure me house or fulfill my oboe oh6�atid ns tome re d e,tatc then you can d it for nn cunt want (but you do not have log. If you do pav am' of these. obhgauons Eon me. t gree to pay you back un demand egos interest .!! the hlgiu. r lawful contract rate of Interest. until f pav you back. three amounts will toe ud/Icd w my dcht tls you wMch is secured ht -real C \ladle• amt Ilkn.. I kmlw That It "I., t dc.'i Ic u� buy nnmrand a tnr m •that ydw du not have w oMain any homeowner or habilitc insuran,c. SALE OF lit i HOUSE.: 1 promise not m sell, lease osr gi, e nn house to,o%mw until I he, c t1illc repaid my debt to you. DEFAULT: I will be in default under this contract if: I . 1 donl Crake a payment when due; or 2. l break any promise 1 made to you in this contract: or 3. Something else happens which causes you to believe in goof faith that I do not intend to pay you as pmrnised: or 4. 1 default onany obligations for which I Amusing my home as collateral: or 3 Somethinghappenstomy house which threatens your rights, ifany,init, IF I AM IN DEFAULT: 1 understand that you have the right to f. reclose the Mortgage 1 have given to you and have my house sold it) repay any amounts I owe you if I am in default under this contract. Before my house is sold, you will do everything that the law requires If yout hire an atttrnev ui assist you m sell my house, or, to sue one, a, to Protect yyour rights, 1 agree to pay y'ou for your reasonable attrneys fees and for other related expenses such as court rosts, title searches and money you expended to protect my house. of you are allowed id col such amounts by law. OTHER RIGHTS: We can choose nix to enforce any of the rights under this contract as often as within" k we want without losing them. (h , we can delay enforcing any of the rights xsing them. We can also use any nghts mow or in the future given to us by law. DELAYS: I know :hat you will use your best efforts to install the prducts I am purchasing on rim• house, but I also understand that in some situations you ma encounter delays drat am caused by strikes. weather conditions, delays you base in obtaining nlalc :,als, or for other reams that are beyond your control. I understand that you will nix be liable for such delays. AROFMATION: If f have a dispute or claim with you conemmg the quanmp, gduohty , perfrmnance of the pnducu. !understand that my dispute maybe submitted to and .color acdamlulg u, the rnedatisn- arbitration program that may have dcvelo ed in my community. I alsi know that any decision made by an arbitrNOr(s) would be en- tadl lathe court having jtmsdiciron over me and yew. yr� SAI.y 4i;E VALUE: I know BLit the wmdnw,. w,xsiw ,,k. 'Id um, hrtl k .and ndlrr n!atenah that h,- n• b, rCnNncd by Vol !m Ihr, IUsldilaUon h %c NO salvage value. When you renhxe Ihcm. you can bale v 111Bn1 tilt w6ar:'sct puryho +r yov •a am SPECIAL SMATIONS: Due to the uniqueness of some of the products that you sell. f unkrstand that In special situations that your Regional Office may have to review and accept this contract. I also understand that this .sale occurred It, my home and that you and I may not have had all the correct information important to this transaction at ow finytrtips; l give you my consent to comer:l any obvious errors that only have occurred when the blanks in this contract were cranpletai. dtWAL�•lt f Wes: N ante provistat W lhro arMrnrct y sp ! is uwallarewble. Ur+estaf *a enasnta.wO ba.va4d. R•.at y part of AtNacwsract ogtuara paymeat of more low" than the law permit, then you w111 only va. olkcr from me the amount Of interest which the law allows you mcol lect. COMM.ETEIIi MOFTHIS CONTRACT: This contract can only be changed if htxh you and I agree in writing. t(>