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<br />" 83.....0 0 1 002 ADDITIONAL TEF/MS,
<br />PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though f do not have to pay more than the re ular sch~uled month~ pa}lm;nt; f ha""~liight
<br />to }?repay the whole amount owing to you-in full ~t any time or in part from rime to time: If the' lending insti!Uti9n or bank:~._ 8;~ b_uys ~y contral?t computes t~ fioan. ce charac
<br />dally. I know my finance chargc'wiH be less if I make an early payment, and it. will be higher if I pay late;- I-aJso recognize ihat any necessary adj~stmentlb:-my.to. ,tal-finance
<br />charge. will be reflected in my final bilt; I also know that the amounts shown on t~e reverse side for the Finance Charge, Total ofPayments;>ancUhe'Total-881ePrite areesti..
<br />mates based on the assumption tl]at you wilJ receive each of the payments exactly'on its due date;,'and I know that there will be no refund if] ~y because there is:nOthing
<br />to refund if I am charged'on a !iaily b~:is~- If the lending institution or bank does not compute the finance charge daily. and if! prepay the whole,amount, youwill-tefuna
<br />to me the unearned portion of the finance charg~ (interest) by the accounting procedure known as the actuarial method; and the amount of my rebate will be" fi~ on the
<br />scheduled dates,and amoll!lts of my monthly payment and not on the actual dates and amounts of the prepayments that I pay to you, I kn!>w that a refun~ of less than $1,00
<br />Will notbemade-.' - - , ' 1 -
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<br />IMPORTANT NonCE ABOUT WARRANTIES:
<br />(8) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, Ot='MERCHANr~"
<br />BILrN AND FITNESS FOR APAMICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SElLER,FOR~
<br />NISHES BUYERWITHA SEPARATE WRITTEN L1M.ITEDWARRANTY OR SERVICE CONTRAcT MADE 8Y SEL-
<br />LER ON ITS. OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT),
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<br />(b) Iwill and should read, in detail, theseparate .. LIMITED WARRANTY" which accOmpaDies this contract. It explains the conditions and circumstJlDCtS in .which
<br />the manufactured products.will be repaired or replaced, I take notice of the limitations on the warranty, and I particularly recognize thlllany impliedwalTalltywhich applies
<br />to the goods lasts only as long as the warranty or servIce contract.
<br />SPECIAL-ORDER GOODS: I know that you have measured my house and its openings so that you can make the products to fit my particular house, I talcenotice thatthe
<br />goods that-are manufactured for my specific house probably will not fit any other houses. and under such conditians,J know that l-cannot cancel ,this co~ at any- time
<br />after the perindoftime given to me, by law, in which tocance!; After that legal perindoftime, I know that fhave the obligation to payyou in full theamountowed,
<br />OBLIGA nONS PERTAINING TO MY REAL ESTATE: I, I promise to keep my house in good repair and to keep it insured for atlOast 80% of its repl8Cement value
<br />by buying a fIre and ex.tended coverage insurance policy. The insurance company must be approved by you. and the policy must have a standard trust deed beneficl~d..use
<br />which says that you are to be paid if there is a loss. The insurance company must agree that it win not cancel my policy without first telling you. I auttiori~ ibeinsurance_
<br />comfany to pay you directly for any Joss. You caD choose to use this insurance payment 10 either repay any amounts I owe you or to repair my house. 2. l8J.so_promise that
<br />1 wil no! allow anyone else to place any liens on my real estate without your written permission. 3. I promise to pay all taxes, assessments and other charges on my real estate
<br />when due. 4. I promise to timely make all payments on my prior loans secured by my real estate. I also promise that I will not extend, renew or change prior loans' without
<br />your written permission. 5_ If I do not insure my house or fulfill myotherobligabons tamy real estate. then you can do it forme ifyouwant(butyoudoDOt.bave1O)~ If:YOQ
<br />do pay any of these obligations for me, I agree to pay you back on demand plus interest at an annual rate three petcentage points (3%) greater than the annual percentage
<br />rate sbown on the reverse side, Until I pay you back, these amounts will be added to my debt to you which is secured by my real estate and bouse,] know thatifyou.deciile
<br />[0 buy insurance for me that you do not have to obtain any homeowner or liability insurance.
<br />SALE OF MY- HOUSE: I promise not to sell. lease or give my house to anyone until I have funy repaid my debt to you. or, until I obtain your written permission. 1fT would
<br />submillo 'liOll someone to take over this contract. I agree that you may review their qualifications. If you approve them. you can chargeme 8 service fee forcbanging records.
<br />You can also increase the interest rate on this contract by as much as the law allows: If you do. you agree not to hold me responsible for this debt.
<br />DEF A UL T: I will be in deiault under this contract if:
<br />I. I don't llUlke a payment when due; or
<br />2. I break any promise I made to you in this contract; or
<br />3. Something else happens which causes you to believe in good faith that I do not intend to pay you as promised; or
<br />4. I default on any obligations for which I am using my home as collateral; or
<br />5. Something happens to my house which threatens your righls. if any. in it.
<br />IF I AM IN DEFAULT: My house and real estate con be sold by you to pay my debt to you, Before my house is sold, you will do evetything that the law requires, Anyone
<br />can purchase my house and real estate at the sale. including you. and'J'ou can give the purchaser a Trustee's Deed without any warranties. However. you a~ that you
<br />will not sell my house and real estate if I pay all overdue payments an correct any default before the sale, Or, you have the right to sue me and foreclose thIS contract as
<br />if it was a mortgage. If you hire an attorney to ass.ist you to sell my house. or. 10 sue me. or. to protect your rights. I agree to pa)' you for your reasonable attorneys' fees
<br />and forotiler related expenses such as court costs, utle searches and money you expended to protect my house,
<br />OTHER RIGHTS: We can choose not to enforce any of the rights underthis contract as. often as we want without losing them. Or. we can delay enforcing anyofthc rights
<br />withoollpsing them. We can also use any rights now or in the future gi~-en to usby Jaw.
<br />DELAYS: I know that you will use your beslefforts to install the products I am purchasing on my house, but I also understand that in some situations you mavencounter
<br />delays that are caused by strikes. weather conditions. delays you have in obtaining materials. or for other reasons thaI. are beyond your control. I understand that you will
<br />not. be liable for such delays.
<br />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
<br />and settled according to the mediation-arbitration-program that may have developed in my community or bv the 10cal Better Business Bureau. I also know that any decision
<br />made by an arbitrator(s} would be entered in the coun havingjurisdlClion over me and you. -
<br />SALVAGE VALUE: 1 know that. the windows, woodwork. and other materiais that ha\'c to be removed b)')'ou for this installation have NO salvage value. When you re-
<br />move them. you can have them for whatever purpose you want. "....
<br />SPECIAL SITUA nONS: Due to the uniqueness of some of the {'IO<lucts'tha1 you sell, I under.;tand that in special situations that four Regional Office may have to review
<br />and accept this contract, I also understand that this sale occurred In my home and that you and I may DOl have had all the correct mfonnation important to this transaction
<br />al our fingertips; I give you my consent to correcl any obvious ~m'lrs that may have- occwTed when the blanks in this l.."Ontracl ~ l..'"Ompleted.
<br />INV AUD PROVISIONS: If any provision of this contract violates the law and is unenfon;eable. the rest of the contraCt will be valid, If any part ofthi> contraCt requires
<br />payment of more interest than me law pennlls. then you will only have the- right 10 collect fmm me the &!MUnt of interest which the law allows you to collect.
<br />COMPLETENESS OF THIS CONTRACT: I cannot revoke the trust that I have created by this contract, This contract ,'an only be changed if both you and me agree in
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<br />~ foU~~_i~_~ ~i.:: _~~r.'~__~~~~:~~~:~~.~~~~_~~~,~ ~~~.,e.::.~~-hen this contl"a\.'t is sold to a ti~t~ institution or a bank. and I should notice that the impor..
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