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004603 , ADDITIONAL TERMS s PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Ben though 1 do not have m pay more than the regular wheduled monthly payment. I have the right to prepay the whole amount owing to y)ou in full at any time or in pan from time to tune. it the lending in+tit Linn or bank taut huys my contract computes the finance cl�rge daily. I know my finance char �e will be less if I make an early payment and it will he higher it 1 pay late: I also recognize that any necessary adjustment to my total finance �. charge will be reflected in my trial hill; I also know that the amounts shown on the reverse side for the Finance Charge. Total of ijayments. and the TMaI Sale Price areemi• mates based on the assumption that you will receive each of the payments exactly on its due date: and 1 know that them will be no refund if 1 prepay because there is nods' ut refund if 1 am charged on a daily basis. if the icoding institution or bank does not compute the finance charge daily. and if 1 prepay the whole amount. you will refund to me the uneamad ponten of the finance charge (interest) by the accounting procedure known as the actuarial method; ar will net M the amount of my rebate will he figured on the scheduled dales and amounts of my monthly payment and mac on the actual dates and amounts of the prepayments that 1 Tray to yew. I know that a refund of less than $1 .00 be made. IMPORTANT NOTICE ABOUT WARRANTIES: We as SELLER HEY DISCLAIM AND FITNESS FOR AAPPARTICULAR PULRPOSE ON ALL GOODS EXPRESSED ND SERVICES UNLESS SELLER FA- NISHSa BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE, BY SELL- ER ON ITS OWN BEHALF (WHICH, iF MADE, ACCOMPANIES THIS CONTRACT). (h) I have read. in dead. the separate "10-YEAR 1.1\lITED WARRANT) "' which. if madc. accompanies 11 is contract it explains thectnditiomc and circumstances in which ll icmaoufuturedproduciswdlherepairedorreplaced. I take m, trceofthelionitauonson the warranty. and l particularly recognizethat anyirtprliedwtrc mwbiefi applies totheg s a s onlyas long as rite w •arrantyorserriceavntracr. (c) 1 have read. in detail, the separate " LIMITED INSTALLATION WARRANTY- which. if made, accompanies this contract. it explains the conditions and cir- cumstances in which the; of the siding will be redone. I take notice of the limitations on the wartanty. and 1 particularly recognize that any implied Watranly which applics to the installation as s cot y as long as the warranty or sort ice contract. SPECIAL - ORDER GOODS: 1 know that you have measured my house and ib openings so that vim can make the products W fit my particular house. 1 take fence that the goods that are manufactured for my specific house probahly will rant tit any other houses. and under such conditions. I know that Icannot cancel this cotntnd] at any time afterthe period of time, gtwnto me: bylaw•.. in which tocancrl. Aferthat legal periodoftme. I know TomI have Meobligationto pay you in full the amoumowed. - ORLIGATIONS PERTAINING TO PROPERTY INSURANCE AND MY RF.AI. ESTATE: I i promise to keep my [muse in good repair and to keep it insured for at least #Wi of its replacement value by buying a lire and extended coscrage insurance policy. The insurantce comparn, must be a prov'td by you. and the policy oust have a benefician• clause which says that your are to he paid it there is a Inss. The insurance company must agree that h will met catuef my policy without first telling you. 1 au- thoxize the insurance comippaany to pay you directly for env Ioss You can chru,se 1O use this insurance payment to either repay any amounts t owe yew or to repair my house . have the option of pro% Ingproperty insurara;e through an existing policy or through a policy independently obtained and paid for by' me.:. 1 alto promise that I will not allow anyone else no place am hens on my real estate without y our written pcnniscion. 1 I promise to pay all day r. assessmenn and [them cfiarges on my real estate when dot. 4. I promise to nmely make all pay merits on my nose loam secured by my oral estate. I also promise that I will rut extend, renew or change prior loan-a withau your written permission. 5. If I do ran msurc my bourse +. r fulfill my other ohip ligation to my real estate. then you can do it for rte if you want abut you do not have to). If you do nos any of these ohlig;tions for me. I agree to pay you hale on deman lus interest at the highest Idw(61 contract rate of interest. [;ntil I pay yew bade, these amounts will be rdded to my dent to you which is.ucured bq my real estate and lu,use. I krx,w thxt if you decide to hey insurance for mere that toe Jn mt have to obtain any homeowner of liability, insurance. SALE OEM Y HOUSE: l promise not T, )n sell. lease or give my tuousc tn:uosone urhl I hays• tally repaid rm debt toyou DEFAULT: i will be in default under this contract if: 1. 1 don't matte a payrnrm when due; or 2. 1 break any promise 1 made to you in this contact; or 3. Somefft agelse happens which causes you to believe in good faith that 1 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 3. Something happens to my house which threatens your rights, if any, in it. iF 1 AM iN DEFAULT: I understand that you have the right to I ;aeclose the Mortgage 1 have given «• you and have my house sold to repay any amours i owe you if I am or, to prosecit your rights. I agree to in defiailt under this contract. Before my house is sold, you will do everything that the law requires. It you hire an atuxne , to assist you to sell my house, or. to sue me. ktprotact my tides If you arc allowed toio Ikct such amounts by attorneys' fees and for other related expenses such as court costs, title searches aril [honey you expended OTHER RIGHTS: We can choose riot toenforce any of The rights under this contract as often as we want without losing them. Or, we can delay enforcing say of the rights withouT losing them. We can also use any tights now or in tic future given to us by law. DELAYS: 1 know that you will use your best efforts to install the products I am purchasing on my house, but 1 also understand that in some situations you may encounter delays that are caused by strikes. weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control. I understand that you will o x be liable for sachdelays. AR feltlrud �N• If kv Me to dispute or rciaim wIM you concerning the quantity, quality or performance of the products. 1 umkrsund that my dispute may be submitted to [teed in the c hav�in sdiction over me and ow'gram that m have kvek>E ed in my community I also krterw that any decision made by an cMtrsror(s) wwid been. g) y When ur remove the: 1 know that the windows. wteter •ie rig. heir A .ukl �?i+er ni,ilrn als Thal outer :n he renx+oed by you tot Thu ni,tallallon have NO salvage value. Whin you rtmnye them, y to can base them fix �tvhate,rr pure se t i n: w ant SPECIAL SITUATIONS: Dote to the uniqueness of some of the products that your sell, b understand that inn special situations that your Regional Office may have b review and accept this caatract. t also understand tfiN this sale occurred in my home and that vnu and I ins not have had all the correct information important to this transaction at ouc fingertips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed. iWALM PROYRHON&- If any provision of this contract vwisl s due law and 's as able. flat opt of flee crwatract suvR let valid: R cry per rN Otis crntlfact roquires paymaa of nkxe iMpest thee the law perm,ts, den rou will only have the right me the [[mount of interest which the law allows you w collect. COMPLETENM OF TM CONTRACT: This contract can only be chanced if both you and I atree in writing.