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~~--.. ~ ~ v ~ ~ f ADDITIONAL TERMS ~ ~, - ~
<br />PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though t do not haveto pay more than the regular scheduled monthly payment, i have the tight
<br />u+ prepay the whole amount owing to you in full at any time or in pan fmm time to tune. If the lending institution or bank that buys my contact computes the finance charge
<br />dally, I know my finance charge will be less i; I make an early payment, and it will be higher if I pay late; I also recognize that anyy necessary-adjustmemto my total finance
<br />charge will be reflected in rop mal•6iIL t also know that the amounts shown on the reverse aide for [he Finance Charge. Total of Payments, and the Total Sale Price are esti-
<br />mates based do-tom assumption thatvou will receive each of the payments exactly on its due date; and I know that there wilt be no refund if I prepay)xcause there is nothing
<br />m refund if t am charged on a daily basis. If the lending instiution or bank dots not compute the finance chazge daily, and if I prepay the whole amount, you will refund
<br />to me the unearned portion of the finance charge (interest) by the acmun[ing procedure known as the actuarial method; and the amount of my rebate will be figured on the
<br />scheduled dates and amounts a£ my monthly payment and not on the actual dates and amounts of Ilte prepayments that 1 pay to you. I know that a refund of less than $1.00
<br />will rmt be made,
<br />IMP-ORTANT NOTICE ABOUT WARRANTIES:
<br />{a3 We as SELLER HEAEBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA-
<br />BIL AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS-SEL,LERFUA-.
<br />NI$HES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE. CONTRACT MADE BY SEL-
<br />LEA ON ITS OWN BEHALF (NfHICH, IF MADE, ACCOMPANIES THIS CONTRACT).
<br />{bl f wit! and shoutdread, in detail, the separate "LhtitITED WARRANTY" which accompanies this contract. It explainsthe conditions and circumstances in which
<br />the-manufattnred products will be repaired or replaced. 1 take notice of the limitations on the warranty, and [ particularlyrecognia that any implied warranty which applies
<br />to the gads lasts only as long as the warranty or service contract.
<br />SPECIAL-ORDER GOODS: ].know that you have measured my house and its openings so that you can make the products to fit myparticulaz house. I take notice that the
<br />goads that are manufactured fm- my specific house probably will not nt tiny other houses, and under such conditons, I know that I cannot cancel this contract atany time
<br />aRtvthe periodof time given to me, by law, in which to cancel. After that legal period of time. t know that I havethe ebiigation topayyou tofu!! theamotfm owed.
<br />OBI.iGATIONS PERTAINING TO MY RF,AL ESTATE: I . I promise ro keep my hawse m good repair and to keep it insured for at least 80~-ofitr replacettrert value
<br />by buying a fire and extended coverage insurance policy. The insurance company must be approved by you, and the policy must have a standard trust deed beneficiaryclause
<br />which says that you are to be aid it there is a loss. The insurance company must agree that it will riot cancel my policy without first tilling you. I authoiiie [he insurance
<br />coinpany to pay you directly for any loss. You can choose ro use this insumncz payment to either repay any amounts I owe you or to.repair my house. 2.1 also.pmmise that
<br />I wi6 not allaw anyane else to place any liens on my real estate without your written permission. 3. I pmmist to pay all taxes, assessrnents and other cltatges on my real estate
<br />whin due_ 4. 1 promise to timely make all payments on my ppriar loans secured by my real estate. I also promise that I wilt not extend, renew or Changge prior loanswithout
<br />yaw written permrssion. 5. If ! da not insure my house or lulfilt my other obligations to my real estate. then you can da it for me if you waat(but ygou do not have.tq): I£you
<br />da pay any of these obiiga[ions for mt. 1 agree to pay you bank nn demand plus interest at an annual ate three percentage pOirtts (3~F) greaterthanthe annual percentt~
<br />rate shown an the reverse side. Until 1 pay you back, these amounts will be added to my debt to you which is secured by my real estate and house. l know that if you dx~
<br />to buy insurance far me that you do not have w obtain any homeowner or Iiabiliry insurance.
<br />S,4LE OF MY HOUSE: i promise not to silt, lease or give my house to anyone until I have fully repaid my debt to you, or, until i obtain your written pertnission, If I wotdd
<br />submit to~•ou sameane to take over this contact, I agree that you may review their qualifications. if you approve them, you can charge me a service feeforchangingrecords.
<br />You can so increase the interest ratz on this contract by as much as the Isw allows; tf you do, you agree not to hold me responsibleforthisdebt.
<br />DF.FAL'LT: I will be in defauh under thiscontract rf:
<br />1 I don't ^take a payment when due: or
<br />_ l break any pmmise 1 made to vau m this contmct; or
<br />3. Something else happens which causes you to believemgewdfaiththatldo nonntend to pay you as promised;or
<br />4 1 defauhon xny obligations fur which I am using my home as collateral; or
<br />i. Something happens to my house which threatens your rights, dany, in n.
<br />!F I AM IN DEFAULT: My house and real estatz can be sold by you to pay my debt to you. Before my house is sold, you will do everything that the law requites. Anyone
<br />can punhase my house and teal estate at the sate, Including you, xnd, you eau gn~e the: purchaser a Tmstec's Died without any warranties. However, you a~tee that you
<br />will not sell my 6ause and real estate if 1 pay all overdue payments and canes any default before the sale. Or, you have the right to sue Inc and foreclose this contract as
<br />if it was a mortgage, !f you dire an attorney to assist you to sell my house. or, w sot me, ur, w protect your rights, I agree [o pay you for your reasonable attorneys' fees
<br />aMi fef otl?er related expenses such as court costs, title starches and money Yau expendzd m protect my house.
<br />OTHER RIGHTS: We can choose trot m enforce any of the rights under this contract as often as we want without lasing them. Or, we can delay enforcing any of the rights
<br />withaut losing them. We can also zest any rights now or m the future given to us by taw.
<br />DELAYS: !know that you will use your test efforts to insuill the products l am purchasing on my house. but 1 also understarrd that in some siruations you may encounter
<br />delays that are caused by strikes, weather conditions, delays you have in obtaining materials, or for other rcascns that are be}•ond your coatrol. l understand flea[ you will
<br />not ht liable for suchdelays-
<br />ARBITRATION: If 1 have a depute ur clatrn wtth }nu mncemmg the ganury, quality ar performance of the products, t understand that my dispute maybe submitted to
<br />a?d settled according to the medirttion-arbitration prugran? that ntay have developed an my community or by the local Better Business Bureau. I also know [ha[ any decision
<br />made by an arbit atoms) would Ix entered m Ne cwtt having}unsd[ctiao ever me and yaw.
<br />SALVAGE VALUE: (know Iha[ the windows, w x?dwark, and other materials that have m bt renwved by you for [his installation have ~ selvage value. When you re-
<br />ntevtthem, you can have them for whatever pu; Iwse you want.
<br />SPECIAL SITUATIONS: Due to the uniqueness of same of tfic products that you sell- 1 urtdentand that m special situahuns that 1•our Regional Officz mayl~ave toreview
<br />and accept this contract. 1 also understand that rhea Bair t?ccurrcd to my honx and that you and I may m[ have had all the correct mfonnation important to this transaction
<br />at our fingertips;! give you my mown[ to mtrect any abnnus zrmn that may have occurred when the blanks in this contract were completed,
<br />INVALID PROVISIONS: If any pmvtston of th+s conuact violates the law tend is unenforceable, the rest of the rnntract will 6evalid. If any pan of this contract requires
<br />payment of mare intereu than the taw permits. then you will antg have the nghno collect from me the amount of intttest which the law allows you to callcet.
<br />COMPLETENESS OF THIS CONTRACT: 1 cannot revoke the trust that I have rrcalyd by this contract. 't'his zantact can only be changed it both you sled me agree in
<br />w7lhng.
<br />'flee following notice brings to my anention the rights that i have oven when this contract is sold to a finetrciat institution or a bank, and I should notice thuthe impor
<br />)aria ofrhisprovisiorr is slrcased by its appearancam ten pant, tn,ld iat-t type:
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