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<br />./ 83-0011 /6 ADDITIONA.L TERMS . ~. ,,'" .......
<br />PREPAYMENT AND ACCRUAL OF THE F1NANCECIlARGE:Even though! do not have t?pay more than the regular scheduled montill'; payrnerit,lllave thtOnght
<br />to p'fepay the whole amount owmg to YOU In full at any time or to part from time to time. If the lending InstItution or bank that b\lY:s my contJ"aCl.compures the finance ctufi'ge
<br />dally. f know my finance charge will be less iff make an early payment. and it will be higher if I pay late; J alsO-recognize that any necessary, adjustntent'lO:my total finance
<br />charge will be reflected in my fmaJ bm~ I also know that the amounts shown.on the reverse sideiOr the Finance Charge. Total ofPa~entsi;.:and, the:TotalSile. Price are esti.
<br />mates based. on -the assumption that you :will receive e.ach oft~ ~nts exacdy--on its due date~ and I know that there will be no refund if I prepay because there;js nothing
<br />to-refund if foam -charged on a dailv basts. If the lending institution or bank does not compute the fir-.ance charge daily, and if I prepay the whole amount, you will refund
<br />to me the unearned. leG portion of the finance charge (in. terest) by the accounting procedure. . k.nown as the actuarial. method; an,d ~'&mO. unt .Of my reba~ WI.. '1..1 be.. .figured.
<br /> .. on. th.o
<br />scheduled </at!:$, and amoUDt< of my monthly payment and not on the actual dares and amounts otthe prepaymentslllut I pay to you, ~ I I(now~that atet'iuldoflCSi than Sl.(JO
<br />will not bomade;, ~, .. . . . ~ . ~
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<br />IMPoRTANT NonCE ABOUT WARRANTIES:
<br />(a) We'>a SQUR HEREBY DISCLAIM ALL WARRArmE8,EXPRESSEOOR IMPUEI).OF
<br />BtLlTY ANEfFITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS'ANDSERVtCES"UNtE
<br />NISHES BUYER WITH A SEPARATE WRITIEN UMITED WARRANTY OR SERVICE CONTRACT
<br />LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT),
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<br />(bH will and should read, in detail, ,he separate "LIMITED WARRANTY" which accompanies this oonlraCt. It explains the conditions and dr<:unisllll1Cos in which
<br />thell1lllUll'adunc products will be repaired orreplace,l- I take notice of the limitations on the warranty; and I particularly recognize that<my impliedwammtywhich "I'plios
<br />to the goods lasts only as long as the warranty orservke contract.
<br />SPECIAL-ORDER GOOOS: IknOw lIlat you have measured my ho~ and its openings so that you can make tho products to IRmy particular ho~, I takC>notke lIlat the~
<br />goods Uw are llllUlUfactured for my specilichoose probably will not fit any other houses, and under sU<:h conditions, I know that tcannot can<:el th4 cQiltrfll;t'.ai tiny lime,
<br />after the perioo of time given to me, by law, in which to cancel. After that legal period of time, I know that lhavetheobligationto pay you ilffull the amountowea, . . ~ .
<br />OBLlGA TIONSPERT AINING TO~MY REAL ESTATE: I . I promise to keep my house in good repair and to keepit insured for utleast 80% ofits replacement value
<br />by buying a fU'O.and extended ooverage insurance policy: The insurance oompany must be approved by you, and the,policy must have a standard trust deed benefii:iaty cla\l$O
<br />which says that you are to be ,paid if there is a loss. The insurance company must agree that it will not cancel my policy without first teUingyou. I authori2;e the insu~
<br />company to pay you directly tor any Joss . You can choose to use this. insurance payment to either repay any amounts {-owe you or to repair my house.,-2t talso promise that
<br />I will fk')l allow anyone else to place any liens on my real estate Without your wrinen permission, 3. I promise to pay all taxes. assessments andolhc:r~argeson my:~l Cs~
<br />whendue. 4. I promisetotimely make aU payments on mv priorJoans secured-bvrny real estate. I alsopromisothat-J will nOIcxtend. renew'OrchBnJrO'priorcloanswitMtit
<br />yourwo. .ttenpennission. 5: Ifl do not insure my house orfulftlJ my otherobligati'ons to my real estate. thcnyoucando it forme if you want(butY~donotbave;~)r:-1f)'QU
<br />do pav any ofliK= obligations f... me, I agree 10 pa. Y you back on demand plus interest at an annual rate three percentage points (3%) greutertharithe annual """,,"tage
<br />rare sliown on the reverse side, Until I pay you hack, liK= amounts WIll be added '0 my debt to you wbich is secured by my real estate and hoose, I lcnowthut if you deeme
<br />to buy insurance for me that yoo do not have toobtain,any homeowner or liability insurancc.
<br />SALE OF MY HOUSE: I promise not to ~en. lease' or give my house 10 an)'t1De untill have fully repaid my debt to you, or. uoull obtain your written permission. Ifl would
<br />SUbmit to \'00 someone to take overthiseonuact. I agree that you may review lheirquallfications. If you approvethem~ YOUcaA-eharge me a service fee for changing records.
<br />You can also increase [he interestFatc on this contracl by as much as the lawallows.~ If you do. you agree nol to hoJd me responsible for tbisdebt.
<br />DEFAl1I.T: 1 will I>< in default under this contract if:
<br />I ldon'tmakeapa~mentwhendue;Of
<br />2. I brt'akan). promise I made to you mthiscontract:or
<br />3 Something ehe happens which cau~s you to believe In good fallh that 1 do not intend to pay you as promised; or
<br />.. I detauhon any obJigsuons. tnrwhlch l.un using my home 3..,\.'ollaleral; or
<br />). Something happens tomy lwu..\C which thrC"alens yournghlo;. if any. In i~
<br />u't AM IN DEFAULT: My house and real estate can be ~old by }'oo topa)" my debt to you. Bef~ m)' house is sold, ~ou will doe\'erything tbatthe tawn::quires. Anyone
<br />c.an purcha...liC my house -and real esUlte at the sale. including ):ou. and. YOU C"dn g:tV~ the purrllaser & TTUStff's Deed WIthout any warranties. However, you ~ that you
<br />wiJI not lie)1 mv house and re~ estate If t pay all overdue payments and correct an}' default before the sale. Or,)'ou bave lhe right to sue me and foreclose thJ.S.contrac:t as
<br />ifilw.u morigogc,lfyouhire anauomey to ossm you 10 Sell my bou>e. Of. "',ue me."', "'protect yoorn~,l agree to pay you f...yoor...........louttorneys' feel
<br />and forodaer mated expenses such asrourt CUSt5. title searches and money)'OO e-.pendcd ro proteCt my house,
<br />OTHER RlGIfI'S~We cancboose not tocnforce any ()flhe:righl" underllw.: contract 3.., oftcnas we want witbout losing them. Or. we can delay enforcing any of the rights
<br />wtthoulJosmglhem. We can also use any nght.\oowor tnthefutun:,~:tVenlou~by taw
<br />DELAYS: I know that you win ust your best effom to iMlalI the products I ~ pu.f\.-ba.sin~ on m,' house. but I also understand that in some situations you may encounter
<br />delays that are caused by strikes. weather condmoos, delays you have In obt81nm~ matffials. or tor other reasons that are beyond your conuol. I understand that you will
<br />oot be hable for such delays.
<br />ARBfI1tA TION: If I ha\.., . dISpute or chum with you concerning lbe quanuty, qualtly or perfOmulDce of the products, I understand thut my dispute may be submitted 10
<br />and settled ~--x.'Ording to the me(banon~~ltral:lon program that m3.)' have devdopcd In my community or by the local Better- Business Bureau. [ also know that any decision .
<br />made by 4llartmratorts) v.<oaakl be entered III the- rourt tur.ingjunslbctron over me md)'oo
<br />SALYAGE VALliE: Ilmow that me ...ndow" woodworl<, and<>lllel'n_s Iilal hav.. to be """""""br"'" t........ ,__bave 110 salvoge vale<:. Whenyou....
<br />fn(n"e them. }'OU can have dlem for 'lliwe,,"Cf pu:rpose you Want.
<br />SPECIAL SITUATIONS: Due to the untqtaellCU of some of the pmdtK'ts ttw }'OU ~Ii. J understAnd that In specua.l situations that your Regional Office may have to review
<br />and accept this. conb1K'l. I also unc:icntand that. thiS sak OC1:uned m m)' home uti that ~lU and I may not have had alllhe C'OITeCt information tmponant to this transaCtion
<br />it1ourfingenips; I give you my consenl to rorTtt't any ol)\~w.~rrors that 1m)' h.a..'e tttUfT'e'd '.\;~n the blanks in thisrontract were completed.
<br />IN\' AUD PROVISIONS: If anI' pro\ ",on ut thl> contnoc. \",I.~s the I.w and i, u.....I~_, tl>< rest of the C<mUlICt will be valid. If tIIIy pan of this 00IIIrIICI ~uires
<br />payment of more lOt."'''' than the .w penn;"', dlenyoo will only have the ngllt to c<>ile<:1 from me the lllIlOOJtl ofin_ which the law allows you 10 colloct,
<br />COMI'I.E1'EHESS OF THlSCONTItACT: I ~ revok. tbe ""S1 lIlat I have cre_ by this contnoct, This conttact can ""Iy be chan8ed if both you and me agree in
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<br />_of~':ov~ =~I::,::i>t=;.'::;';~tell"C~ ~;:- tlusroottact IS liOlId to. fi~ institution ora btIIIIt, and I should notice thaltboimpor-
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