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I 83....)02713 .."'j:,,4 ADDITIONAL TERMS PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Evenlhougb I do nothavetopay more than the regular scheduled monthly paymen., Ihave the rightlo'prepay the whole amount owing to you in full at any time or in part from time to time. If the lending institution or bank that buys my contract computes the finance charge daily. I know my finance charge will be less iff make an early payment. an~ it will be higher ifl pay late; J also recognize that any necessary adjustment to my total finance ~harge_ will be reflected in my.final bill; I also know thatthe amounts shown on the reverse side for the Finance Charge. Total ofPayments~ and tli~ Total SaI.e Price are estimates.t;ased-'on the assumption that you will receive each of the-payments'exactly on its~due date.; and--I know that there wilt be- no refund ifI-"ptcpay because there is nothing. to refund if I am charged on a daily basis. If the lending instItution or bank does not compute the finance charge daily. and if I prepay the whole amount, you will refund _to me the:- uneamed 'portion of the fipance charge (interest) by the accounting procedure knpwn as the actuarial method;,.and the aMount of my rebate wil1:be ~gured o,n th~,sch~uled d,wes and amounts of _my monthly payment and not on the actuaJ dates and amoun~, of the- prepayments that I,pay to you. I know that a refund oneSSll!an~I.OOw1l1notbemade. . ' IMPORTANT NOTICEABOUr WARRANTIES: (lJ)Weaa SELli:R HEREBY OISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OFMERCHANTA- BILlTV AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR- NISHES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANT'lOR SERVICE CONTRACT MADE BY SEL- LER ONITSgWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). ' '(b) Ihave read, i1l'detail, the separate "LIMITED'WARRANTY" which'accompanIer this contract. It explains the conditions-and circumstances in'whicp the man. ufactured products will be repaired or replaced. I take notice of the limitations on the warranty. and I particularly recognize that any implied warranty which applies t('l the gop<t~_I~,ts "only~as"!~g as the w~!y .~r s~rvice~oI:ltract. SPECIAL-OIU)ER GOODS: I know that you have_measured my hous_e and its o~ning~ s? that you can make the product::; to fit my p~icular house. I take "_otice ~hat the goodnhat are-mai'lufactUred for my specifi~ 110use probably will not fit any. other houses, ~ under such conditions, I know that I cannot cancel this contract at any time an_er ~ pe!i~ of til)le: giv.en to me. by law ,In which to cancel. After that lega_1 peti~ of time. ~ know that I have the 9t>ligation to pay-yo.u.in full the amount ow.e.d. > OBLlGA nONS PERTAINING TO MY REAL EST ATE: I. I promise to keep my house in good repair and to keep it insured for at least 80% of its replacement value by buying1l fire afI(I'exrended-coverage'lnsutance policy; The-insurance company must be approved by you, and the policy must have a beneficiary-dause-which says that you are to be p,!lid-if th~~-is a-los8. The insurance compapy must agree th~t it-will no.t canc;el IJlY policy without first telling you. I auth9ri~ the in~u.ra.nce company- to pay you directly for any loss. You can choose to use this insurance payment to ~ither repay any amounts I owe you or to repair my house. 2. I also promise'that 1 will not allow anyone else to place any liens on my real estate without your written pernussion. 3. I -promise to pay all taxes,-sssessments and.other charges on my real estate-when due. 4. ~_promise t<? timely make aU payments on my prior loans secured by my real estate. I also promise that I will not extend, renew or change prior loans w~thout your written permission. 5. !fIdo not'insure'my house or fulfill my other obligations to my real estate, t.'len you can do it forme if you want (but youda not have to). If you do pay any of these obligations forme, I agree to pay you back on demand plus interest at the highest lawful contract f'dte of interest. Until I pay you back. these amounts will be added to my debt to you which is secured by my real estate and house. I know that if you decide to buy insurance forme that you do not have to obtain any homeowner or liability insurance. SALE OF MY HOUSE; I_pro~:se nOl to sell. lease or give my house to anyone until I have fully repaid my debt to.you. DEFAULT: I will be in default under this contract if: . . I don't make a payment when due; or 2. I break any promise I made to you in this contract; or 3. Something else happens which causes you [0 believe in good faith that I do not intend to pay you as promised; or 4. I default on any obligations for which I am using my home as collateral; or 5. Something happens to my house which threatens your rights. if any, in it. IF I AM IN DEFAULT: I understand that you have the right to foreclose the Mortgage l have given to you and have my house sold to repay any amounts I owe you if I am in default under this contract. Be:fore my house is sold, you will doeverylhing thal the law requires. If you hire an attorney to assist you to sell my house; or, 10 sue me. or, to protect your ri~hts. J agree to pay you for your_reasonable attorneys' fees and for other related expenses such as court costs. title searches and money you expended to p:rot~ct my_house, If you ~ all~wed to collect such amounts by_law. OTHER-RIGHTS: We c~Irchoose notto enforce any of the rights under this- contract as often as we want without losing them. Or. we can delay enforcing any .ofthe rights without losing them. We can also use any rights now or in the future given to us by law. DEL~ y~: I know that you will use your best efforts to install the products I am purchasing on my house. but I 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 not be liable for such delays. ARBITRATION: If I have a dispute or claim wilb you concerning the quantity, quality or performance of the products, I understand that my dispute may be submitted to and settled '3CcOrdin& to the mediation~arbitr,:ltion program that may have developed in my community. 1 also know that any decision made by an arbitrator(s) would be en- tered in the court havmgjurisdiction over me lind you. SALVAGE VALUE: I know that the windows. woodwork. and other materials that have to be removed by you for this installation have NO salvage value. When you re- move them. you can have them for whateve.r purpose you want. SPECIAL Sl-TUA TIONS: Due to the uniqueness of some of the products that-you sell, I underslsnd that in special situations that )'our Regional Office may have to'{eview and accept this contract" I also under.sUllld that this sale occurred in my hom~ and that you and I may not have had all the correct mformation imponam to this tranS{ICtion at om: (Qgerlips; 1 give,you ~ny consent to COlTe(:t any obvious errors that may have occurred when the blanks in this contract were (.'ompJeted. Ii .JNV AtID'PRO. VIS. 10. lSS: I. f any provision of this. contract violates the law and is unenforceable. the rest of the contract will be valid. If any part of this contract requires " payment of more i01.el'est than theJaw permits, then you will only have the right to collect from me the amount of interest which the law allows you to collect. . tO~1PLETENESS OFTHIS CONTRACT: This contract can only be changed if both you and I agree in writing. Th.. f<'"lllnwio" l'lnti"p h",o",,, tn m"-' '~II.....t;..':' th.. .....h'" tl."" I h""". ..,,"'n lul...n thi,. ~'nntr"\,,t ic <>nlrl tn '" f;n,,~u.;,,1 ,nct;,,,t;,,,, ",.', h.".l. ,.n.~ I <.hn"I,~ n,";"'" rl".. ,h~ ;.,,~... ~ L L ~ I L