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I AODmONAL TERMS PREPAYMENT AND ACCRUAL OF THE FII'IANCECIlARGE, Ev';' though I do not have to pay more than the regular scheduled i'n<>nh.lY paY'l'ent, !Have ttie'right to P."epuy the whole amount owing to yo.u in f. ull at any time or in part from timel<>time, If the lending institution or bank.k that buysm"~~trac.. t comp. utes the fIlIance charge dOlly, I know my finance charge wiH be less if! mak" un early payment, and it Wil.l. be highe, if! pay late;; r also recognize thataill"TleCeSSllrj1ll<li\Jstmen. t,WIIlY t'?ta1 fiqnc,e charge w.Ubereflected.mmy rmal bill; I also know that the amounts sltownon the reverse Sldeforthe Fmance Chatg1O;Total ofPaytlleIlts; imlftbccTotaJ Salellrice are esU- mateli based on the assumplion that you will "",eive each of the paymepts exactly.on its due date; and!Jmow that there will be nO refund ifIprepay1lecau$e tbere.i.nOllting to refund if I am eharged onadaily basis, If the lending imtitution or bank does Dot compute the finance charge daily, and if I prepay the Whole amount, you will refund to me the unearned ponion of the finance charge (i2.erestJ by the accounting procedure known as the actuarial method; and the amount of my rebate will be figuted on the schedu~andamountS of my nlOnthly payment and not on the acroal.dates and amounts of the prepaJll!lents that I pay to you,J know that a.refuncioflessthan $1,00 wiU"'*bem.4e,.... .... '. .... . '. . ..' ... " . -, '- '.' 83-JJOll';"'5 IMPORTANT NOTICEABOUTWAARANTIES: Ba~=D~~::E~1m.0W8t::rp~~~~Rg:~~~~~~E~~h":S'Su:~~-~:=~t 81$fiOaUYQ WITH A. SEPAAATE WRlTTE~. LIMITED WARR.\NTY ORSERVlCI:CONTR~T"'OE:SVSEL- USR ON mOWN BEHALF (WHICH, IF MADE, ACCOMPANIES THI$-COMTRACT). (b)l will and should.read, in detail, theseparate .. LIMITED WARRANTY" which accompanies this con_t, It explains thecooditionsand circumstlii1ces in which themanufactured productswiUbe repaired or replaced. I take notice of the limitations on thewarranly, andl particularly recognize that any implied warrantywhiehapplies (0 the goods lasts only as long as the warranty or service contract. - , SPECIAL-ORDE:it GOOnS: 1~",,1hat )1l.h.ve~myhoose and its openings so thal you can make !be products to fit my particular house, r talCenoti<i-tluiithe goods thalare manufactured for my 'pecific house probably will not fit any other houses, andunde...uch conditions. I know that I cannot Cl!Il<'Clthis c~ll! anY time after the period of time given tome, by law, in which to cancel. Afterthallegalperiodoftime,lknowthatlhavetheobligati<mtopayiou in.tUUtheBmountowe.k"'''. ...., OBLlGA nONS PERTAINING TO MY REAL EST ATE: I . I promise to keep my hoose in good repair and to keep it insured for at least 8O~of itsreplacementval... by buying a fire and extended coverage insurance policy. The insurance company must he approved by you, and !be policy .mustbave u,andanl trust d.eed beneficiary clause which-says that you are to be ~d if there is a loss. The insurance company must agree that it will not cancel my policy without first telling ~ r authbrize.the i~e i:"lW:ra'llJ:Y~::~io~=':'":f;e~~n~yC~":te~~;,;:~r';;ri::i~i~~,~=:::;;n:I~':,y~se~:::'~andX=~~"'mPf~= when due, 4. I promise to timely make all payments on my prior loans secured b"my real estate, I also promise that I will not extend, reneworchange.priorloans..\vithbut your wriuenpennjSsion., 5. If! do not in. sure my houseo. rMfill my other obligatJ.'ons to my reaI....te. ,tbenyoucando it for me if. you. want (bu. . t you 00.. not., ....1Ia1... ...veto... ),.If.....YOII da pa. ,y an. y oftliese obligations for me, I agree to. pa . y you back on demand plus interest at an annual rate three pen:enmge points (3"") greater than the aunnaI percentage ratesbawn on the revetse side, Until I pay you back, these amounts will be added to my debt to you which is secured by my real estate and hoose,l know1hat if you decide to buy insurance for me that }'ou. do not have to obtain any homeowner or liability insurance. SALE OF MY HOUSE, I prom... not to sell, lease or give my hOuse to anyone until I have fully repaid my debtto you, or, until I obtain you,wrinen pennissioD, If! would submit to you someone to laIce over this contrro<t, I agree that you may review their qualifications. If you approve them, you can charge me ......icefee forcbanging records, You can also inaease the interes.t rate on this contract by as much as the law allows: If you do. you ~not to bold me responsibfe for thisdebt. DEFAULT: I will be in default under this contracl if: I. I don't makea payment when due; or 2. I brr-ak any promise I made to you in this. contract: or 3. Something else happens which causes you to believe in good faith that I donot intend to pay you as promised; or 4. I defauJlon any obligations for which I am using my home 8." collateral: or 5. Something happens to my house which threatens yourrigh~. if an)' . in it. IF I AM IN DEFAULT: My hooseand real estate can be sold by you tapay my debt to you. Before my house is sold, ~oo will doevetything that the law requiRs, Anyone can purchase my house and real estate at !be sale, including you, and, you can give the purchaser a Trustee's Deed WIthout any warranties, Howe...., you !'ll""'that.you will not. ",II my bon", and real estate '.f.1 pay all overdue payment> and correct any default before the sale, Or, ;'00 hav.. the right to sue me and foreclOse this contniCI as if it was all1Ortgil&1O. If you hire ...._y to assist you to "'I my house. 01, to sue me, or, to proleCt your rights. J agree to pay you for yourrearonableauomeys' r- and forother relaledexpen!OS .uchascourt"""ts, title searches and __y you expended to """"'" my house, OTHER RIGHTS: We can choose not to enforce any of the rigMs ~"j", :hi. l'OnllaCt as often as we want ""thout losing them, Or, we can delay enforcing any of the righlS, wilhoullosmg them. We can also use any rights now OT in the future given to us by law. DELAYS: I know that you will use your best efforts OJ install the prodUCts I am porchasing on my hoose, but I also ~ that in some situationS you mI,y encawlIer , delays that an: caused by strikes, weather condiuons, delays you have lD obtaining materials. or for other reasons 1hat are beyond your control, I undctstand that you wiD . not be liable forsuchdelays, ARBITRATION: III have a dispute or claim with you co",:crning the quaotity, quality or performaoce of the product>, lundentand that my dispute may he submitted to and settled acconling to the mediation.arllitnllion program that may have developed in my community or by the local Better BuslDess Bureau, I also know tlm any decision madeby an arburlmr(s l WQuld be eDteredm t:be coUrt having JunsdlCtlOO over me and )"00. SALVAGE VALUE: I know that !be wlndo",s, woo<I_, and other IlIa\<ri.i. <hat ha.o to 0< ","",ved bY)'OU for tl1.. i__ _llIhaIngevaNe,-"""'" move them. you can have lhemforwhaleverpurposc. you want. SPECIAL SITUATIONS, Oat:: to tbo uniqueness of """'" ofthe products that yoo sell, I undmtantl that in special situations that rour Regional Office may have to rev~w and ac<'epl this contract, I .lso understand that thIS sale o",:um:<! ID my home and thaI }"'U and I may not have had all the <:<>rm:llnformatton 'mportant to thIS transacllOll at ourfingertips; I give you my consent \:0 c~-. any obviousem")rs Uutl may ha''C"~-cuned when thebla."\ks in lhiScontrBCl \J.'efecompleled. INV AU!) PROVISIONS: If auy provisiOll ofthts contract VIOlates !be I.", and isW1Ollforceable,tbe _of tho_ willllO vallil, !fmy partOfthis'Xlfttrllluequires payment of more i_ than tho law pennits, thett you will OIIly have the right 10 l'Ol"'1 from me the .......Mof i_ which tho law allows yoIUO collect. COMPLETENESli.OF TIUS CONTRACT: I caunol revoke the ltUSt \hit 1 have cteated by this eanuact. This contract can OIIly be changed if both YOll and me agree in writi.., ~.._ ....,~<'~i?~ ~ ~~p ~ my attention ,the rilhts that) ha'ie even..'hen this 1."Ontr'at.'1 is <<lid M a fin.octal in<tilUtinn tlr 14 h,,"\: "nd' ~h.'>...1.f ......;.... .l..... .1.... ;-_.,~ ~ L ~ L