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I :~ " ...~ 83~ 0054 tl9 ADDITIO~~L TERMS PREPAYMENT AND ACCRUAL OF TlJEl\'INAlI/CE t~AjtGE: Even though I do not have to pay more than the regular scheduled monthly payment, I have the right to ckiepa)' the whole amount owing to~o1,l.ip'filn arany Dnte or in part from time to time. If the lending institution or bank that buys my contract computes the-fmance fi~a:~ec~Zge.~ftbe"ZK~~~~~fin~1 b~:~~:=ili~~tl:_ZJ:~~::~~o~~nW~~~v~~~ia~I~~~:~i;~~a::i.~:dt;t:a;~;~~~~t~;l~ are estimates based on the, assumption that you win receive each of the payments exactly on its due date; and I know that there win be no refund if I prepay because there is .nQthi~g.to refund if I am-charged.on a daily basis. If the len~Hng instItution or bank .does not compute the finance chw;ge daily ..and if I prepay the w:hole amountrl'OU win-refund to- me the unearned portion of the- finance charge (mterest) bX the accountmg Erocedure known as the actuanal method; and the amount-of my rebate wi) be ~1I~ th':n Tf.:::tll~~t et~~ amounts of my monthly payment an not on the aCN dates and amounts of the prepayments that I pay to you. J know.that a refund IMPORTANT NOTICE ABOUT WARRANTIES: (e) Wees SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, OF MERCHANTA~ BILlfY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SELLER FUR. NISHES BUYER WITH A SEPARATE WRITTEN LIMITED WARRANTY OR SERVICE CONTRACT MADE BYSEL. LERON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). . (b) I have read, in detail, the separate' 'LIMITED WARRANTY" which accompanies this contract. It explains the conditions and circumstances in which the man.. ufactund products will be repaired or replaced. I take notice of the limitations on the wammty. and I particularly recognize that any implied warranty which applies10 the goods lasts only as long as the warranty or service contract. . SPECIAL-ORDER' GOODS: I know tluit you have measured my house and its openings so that you can make the products to fit my particular hoUse. I take notice that the goods that are manufactured' for my specific house probably will not fit any other houses, and under such conditions, I know ,that- I cannot cancel this.contraCt 8hmy,time after the peri~ of time given to me, by law. in which to cancel. Afterthat legal period of time. I know that I have the obligation to pay you in full the amountowed. OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. I promise to keep my house in good repair and to keep it insured for at least 80% ofitsreplacem<:ntv;Uue by buying'a fire and extended cove~e insurance policy. The insurance companfi must be arproved by you, and the policy must have a beneficiary clause'which.says that ~~=lif~:n~I~:~ ~o~ ~::'ch~~=ilii~~~:in~u;~=tt~;~:~;:p~~c:::~ a:~~I~c~=~~:~~~\~~~~g~lo~;t~::~n:n~::f~~t~t:~ anyone el.se to p,lace any Hens on my real estate w~thout your written yermi~lon. 3. I promise to .pay aU tax~s, assessments~~r charg~, on my ~ eState~when ~ 4. I promISe. to timely make aU payments on my linor loans secured by my real estate. I alsoilironuse that I will not extend, re~,.change pnor loans Without your wntten ~S:j~giii~t~~::fo~~~~~~r~t~~~~ yO~!b~~~ ~J d~~~b~;~:~~~~~t ~l th~~i~hr:~ia~f~~n~c~~ ~[i~t~~lt~t~:r~ ~~t?~~ :~k~~~~e~~J~rs~1t' ~id~ to my debt to you which is secured by my real estate and house. I know that if you decide to buy insurance for me that you do not have to obtain any homeowner or liabilIty insurance. SALE OFMY HOUSE: I promise not to sell. lease or give my house to anyone until I have fuUy repaid my debt to you. DEFAULT: I will be in default under this contract if: 1. 1 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 to 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 DEF AUL T: I understand that you have the right to foreclose the Mortgage I have given to you and have my house sold to repay any amounts I owe you if I am-in.default under this contract. Before my house is sold, you will do everything that the law requires. If you hire an attorney to assist you to sell my house. or, to sue me, or. lO.protect your ri~lS. 1 agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches and money you expended topmtect my house, If you are allowed to coUcet such amounts by Jaw. OTHER RIGHTS: We can choose not to enforce any of the rights under this contract as often as we want without losing them. Or, we can delay enforcing any of the rightS without losing them. We can also use any rights now or in the future given to us by law. ~~~~ ~~: ~n~a~~~~os~~~~~e~ili:r~:J[~~:,td:l:~~: tf:~i~~~~~~~~~~~no~lo~~ili:; ~~~~ssili~~~rs~~~a;~:~~Fi~:~~:nd~a~~~ouu~m not.be Hable for such delays. ARBITRATION: If 1 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 and settled accordin~ to the mediation.arbitration program that may have developed in my community. I also know that any decision made by an arbitrator(s) would be en- tered in the court havmgjurisdictionover me and you. ' SALVAGE VALUE: I know that the window~ woodwork. and other materials:that h~ 'to be removed by you for this installation have NO salvage value; When yck rer- j move them. you can have them for whatever purpose you wanl. .1, . . SPECIAL SITUATIONS: Due to .die uniqueness of some of the products that you sell, I understand that in special situations that your Regional Office may have to review ~u~~re~:S~I:~c~.~~ %s;> ~=t~~:~;~bvi:~~~nthJ ~~~~a~ ::~~d =~ ::::bl~~~~~:~~~C~ ~e~~~~~l~ed~on important to this transaction ::~:~in~~~~~~a:ia~ro;:i~~~~~~~~n:ilf~~~~~~ ~~ ~;h~i~~ll:f~~e~Itl;e~~~~~~t:t~~e~~~i~~I~~I:~~io~:;;;E~c~~~~,contract requires COMPLETENESS OFTHIS CONTRACT: This contract can only be changed ifbothyou and I agree in writing. tance o~isf~~::~~ ~~~\:~~t~ t~s~~;e~~: l~~~~?n~~\Sf:~eet;~~hen this COntract is sold to a finan:aI ~nstitution or a bank, and I should notice that the impor. ~ L L ~ L