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<br />ADDITlOIIIAL TERMS
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<br />PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though I do not have to pay more than the regular acheduled monthly payment, I have the
<br />right to prepay the whole amount owing to you in fun at any time or in part from time to time. If the lending institution or bank that buys my contract computes tbefinanee,
<br />charge daily, J know my finance charge wi!! be less if! make an early payment, and it will be highel' if [pay late; [ also=ngnizethauny necessary adj~tme!lllomytoW
<br />finance charge will be retlected in my fUlal bill; I also know that the amounts shown on thereverse side for the Finance ClIarge, Total of P.YJI!ClIlS, andtheTotaI S8lePrice
<br />are estimates based on the assumption that you will receive each or the pay...nts exactly on its due date; and.! know that tI1ere will be no refund if I prepay~ tbett
<br />is nothing to refund ir I am charged on a daily basis. [r the lending insutution or bank does DOt compute the finance charge daily, and if I prepaythe."~1lo1e WOUlll,. ..' '. ,you
<br />will refund to ... the unearned portion or the finance charge (interest) by the accounting ~rocedUreknOWn as theactuarill method; and the lU'llOIbUOf my'tobate will be
<br />~~ ili~ ~f.1iJh;1~I~ ~=~ amounts of my monthly payment and not on the actua dates and amounts or the prepaymentslbat I pay to you, I knOw that. Rlfund
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<br />IMPORTANT NOTICE ABOUT WARRANTIES:
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<br />(a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR.IMPUED,'.OFMERCtlAN1'A-
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<br />BILrtY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS ANDSERVlCESUNLESSSEU.ERFU~
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<br />NISHES BUYER WITH A SEPARATE WRITl'EN LIMITED WARRANTY OR SERVICE CONTRACT MADE BYSEL-
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<br />LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT).
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<br />(b) I have read, in detail, the separate' 'LIMITED WARRANTY" which accompanies this contract, It explains the conditions and circumstances in.w~ tM.~
<br />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:8ppliei,SO the
<br />goods lasts only as long as the warranty or service contract. .
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<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 tIIce ~lb.afitie
<br />goods that are manufactured for my specific house probably will not fit any other houses, and under such conditions, I know that 1 cannot cancel this CODtI'8Ct-It"any;_~
<br />after the period of time given to..., by law, in which to cancel. After that legal perind ortime, J know that [have the obligation to pay you in full theamountowed.
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<br />OBLIGATIONS PERTAINING TO MY REAL ESTATE: I. I promise to keep my house in good repair and to keep it imuted for alleut8O% Of its :ep~IVmIiii
<br />by buying a fire and extended coverage insurance policy. The insurance co~pany must be approved by you, and the policy must have a be~ciary claUle Wh1c~,aayl, that
<br />you are to be paid if there is a loss. The insurance company must agree that ~t will not cancel iny policy without flJ'St telling you. I authorize the insurance company'to_ pay_:c.
<br />you directly for any loss. You can choose to use this insurance payment to eIther repay any amoun(S I owe you or to repair my house, 2. I also promise-that. will:riotaUow
<br />anyone else to place any liens on my real estate without your written permission. 3. I promise to pay all taxes. assessments and other chargespn my real'estate''Wben-~~,
<br />4. T promise to timely make all payments on my prior loans secured by my real estate. I also promise that] wiU not extend, renew or ~hange prior loans-wi~ty~ Written-
<br />permission. 5. If I do not insure my house or fulfill my other obligations to my real estate. then you can do it for me if you want (but you do not have to) ,.If y_ou do pay any
<br />of these obligations for me, I agree to pay you back on demand plus interest at the highest lawful contract rate of interest. Until I pay you back, these amouw_-will be ~
<br />to my debt to you which is secured by my real estate and house. J know that if you d~ide to buy insurance for me that you do not have to obtain any homeowneror liability
<br />insurance.
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<br />SALE OF MY HOUSE: I promise not to sell. lease or give my house to anyone until I have fully repaid my debt to you.
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<br />DEFAULT: I will be in default under this contraCt if:
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<br />1, I don't make a payment when due; or
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<br />2. I break any promise I made to you in this contract~ or
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<br />3. Something else happens which eauses you to believe in good faith that I 00 not intend to pay you as promised; or
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<br />4. I default on any obligations for which I am using my home as coUateraI; or
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<br />5. Something happens to my house which thfl" ,,'ens your rights, if any, in it.
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<br />IF I AM IN DEF AUL T: I understand that you have the right to foreclose the Mortgage 1 have given tOl'OU and have my house sold to repay any amountS I-.owe_ you if I
<br />am in default under this contract. Before my house is sold. you will do everything that the law requires. I you hire an attorney to assist you to seU my house. _or, to sue me;
<br />or. to protect your rights, I agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title searches and money you ~pended
<br />to protect my house. If you are allowed to coHect such amounts by law.
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<br />OTHER RIGHTS: We can choose nO[ 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
<br />without losing them. We can also use any rights now or in the future given to us by law.
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<br />DELAYS: 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
<br />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
<br />not be liable for such delays.
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<br />ARBITRATION: IfY 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. 1 also know that any decision made by an 8.rbitrator(s) would be en..
<br />tered in the court having jurisdiction over me and you.
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<br />SALVAGE VALUE: llcnow that the windows, woodwork, and other materiaJs that have to be removed by you for this installation have NO salv8a-e valuo, When you re-
<br />move them, you can have them for whatever purpose you want.
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<br />SPECIAL SITUA nONS: Due to the uniqueness of some of the products tbat;ypu Bell. I-understand ths.t in special situations that your Regional Office may have to review
<br />and accept this contract. I also understand that this sale occurred In my home ~atyb9 irld I may not have had all the correct mformation important to ~is tranlaCtion
<br />at our fingertips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this cOntract were completed.
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<br />INV ALlD PROVISIONS: If 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 require.
<br />payment of more interest than the law permits, then you will only have the right to collect from me the amount of interest which the law allows you to collect-.
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<br />COMPLETENESS OFTHlS CO~"TRACT: This contract ca."! only be ChWlged. ifboth you and I agree in writing.
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<br />The following notice brints to my attention the rights that 1 have even when this contract is sold to a financial "ftitution or a bank, and I should notice that the impor..
<br />lance oftrus provision is stressed y its appearance in ten point, bold face type: t) 11 . 0 0 <) 5 81
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<br />NOTICE b't - ! :) ,
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<br />This eredlt contract finances a purchase. All legal rights which the Buyer has against the Seller arl.lng
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<br />out of this transaction, Including all elalms and defenses, are also valid against any holder of this contract.
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<br />The right to recover money from the holder under this provision Is limited to ths amount paid by the buyer
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<br />under this contract.
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<br />A claim Is a legally valid reason for suing the Seller. A defense Is a legally valid reason for not paying
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<br />_"'4 Sf.'lIer, A "older I" ,,"YQne -rylng 'Q ~<:llle~' 'or 'lie !'Ufel1""..
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<br />INSURANCE CANCELLA nON: If I have requested insurance in this purchase,l may cancel such request for insurance for any reason within fifteen (15) days from the
<br />date of this contract by notifying you or the holder of this conttaet in \\-Tiling. I know that the canceHation of my coverage will be arranged with the insurance cairler(s) and
<br />a full refund of my premium(s) together with applicable finance charge will be credited to this contract.
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<br />PLEASE NOTE: If I have requested insurance in this purchase, 1 will receive within thirty (30) days a certificate of insurance more fully describing the insurance coverage.
<br />1 know that if there is any conflict in the coverage or the language of the certificate of insurance and the foUowing Notice of Proposed Insurance that I am covered only to
<br />the extent stated in the following Notice of Proposed Insurance. I also know that I have insurance coverage only if I have been charged for it.
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<br />NOTICE OF PROPOSED INSURANCE
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<br />I lake notice that either Ciedit Lue or Credit Accident and Health Insurance, or both, will be applicable to this Sales Contract on the reverse side only if I have choscn
<br />it by siening the request for such insurance. This insurance will only cover the ~rson signing the request at the cost for each type of insurance shown. Subject to acceptance
<br />by the msurance company, the insurance will be effective as of today and will continue only for the number of months after the effective date equal to the number of
<br />monthly payments. I understand that this particular insurance may not provide coverAge for my last few l?ayments, and that during that period of time I will not have ~y
<br />insurance coverage. All benefits and proceeds of the insurance will be paid to YOU or to a financial instituhon or a bank if it purchases !.he Sales Contract to the extent of Its
<br />interests and any balance will be payable to me, The initial amount of Credit Llfe Insurance is the amount required to repay the Total of Pa),ments; thereafter, the insurance
<br />decreases by the amount of each monthly payment on a scheduled 30 day basis. If I am jointly obligated on the Sales Contract with a Co~Buyer, and we have both signed
<br />the request for Credit Life Insurance. death benefits will be payable only with respect to lhe first one of us to. die. Subject to exclusions, eliminations or waiting period stated
<br />in the Insurance poH~y or cert~cate. Credit Accident and Health Insurance is for the benefit amount of J (30th of each month's payment f~r each day ~t 1 am totally disabl<<i
<br />due to an injury or SlCknesS whlle I owe any payment to you; however, I undersumd that I have to be grevented trom workmg aue to such total dlSab1l1ty formam than four-
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<br />::no~~~ 6S~~~~~f~::~~~~~nr:li ~:~~ ~~~h~ ~~~r=~ ~~~~~~~~~~hied{:~~ :l~: c~~tl~i~::.r:.on:I~~:o=O~tL~~=:nJ~~bu~'uT~rr~ fno;:,~~
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<br />cases, tbe entire amount that J owe you. Due to the maximum amount of coverage stated in the insurance policy, I know that un)" unpaId amount in el;CeS$ of~e msurance
<br />coverage ~ill still have to be paid, If the Sales Contract is prepaid in full prior to the last rayment date. any uf.iearned insurance premiums will be r,e-funded to me in the man-
<br />ner prescnbed by law. Within thirty (30) days, J will receive the certificate of insurance more fully describmg my insurance coverage. If the in!iurancc is not /!l.cceptcd by
<br />the insurance company, 1 wjU f"e(;eive a refund of the insurance premiums I hav't paid.
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<br />BUYER: The next two paragraphs contain warranties relafive to this sale given by us to the financial institution or bank In order for it to buy this contract
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<br />FOR V ~~~~~~~~l~~~~:~~::: ':I~~..:~s~~~n~:~~~s~: a~~~~i~~~~~~~~~;~Yf~~;~k~{~O~j~~~G!~L~
<br />(ASSignee) ail of its nghts, title and intefe$t in and to the Installment Sales Contra\:{ and 1\.-tortgage. together With alll1iOn" txi;;;ting It. "cure HS pavmen!, and ~~ propc"}'
<br />encumbered here~..{:', Assi$oee is hereby wbstituted ~$ Mortgagee under the Mortgage provisiuM (.)f this contra>:L Seller WllITll.nt:- and repn::.scna: {I) h ha,~ t~ ngh!!o make
<br />this assignment; t....) All itatemen1s and figure!> in lhu contract and in the Buyer's statement :..irt mstt'"riall)" rru~ and cotn-d, (~) 111i:.. c\mtra..:t an,"r;:t: tronl1ht bot'.a!!de
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<br />(If the g()Od~ and '.iC"rvices described herein; (4) The cash downp-avmeot shown in this comfaer was iKtu~nj' paid by Bllver ;-t,od no p4f1 1.~1l(1ij{_i ,:h_~wnpllym~nt wa" kHll~d 01
<br />t'tct1y. or in. dlt;:cfly b.Y Sc)lcf 10 n~yer; (5) Each Bu)'cl' Iii leK~lty !..---ompcu~nt w, C()l1~:t; (6) Thl}; cl..mtr~cllS not and :"'.m r,.)! hr., mt'tje..'{ i~\ <J.E) ,~hHm. de.,f~r:st:,
<br /> dtmand or nghi
<br />(if oft'~~t: (7) f'he- extcuHon of thiS contract and ~he underlymg sale, transactIOn gl\'ln~ n.!jC theTt'.t(J dId nol qnhut' <in)- kdt'fll.J Of ~l:,\r i,~V.. dm~...t!-';: ,-un' N rt"i'ul,lltton
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<br />In df<<t: 11,) In the .event that !.hI:!; -;ontract or the underlymg sales: tranlj,3-Ctlon I~ :iubJect to a right of rcsdso;io!) ~')r i.'itl"K:Cl!;tOOO tl)' ttle lim'er, S\lf.'T'l. rtr..CtUlQll
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<br />Ii,,,, ;""",j l..,,,.'pi,,d "'" "<ilo.,,",, >ale"", tlli, """",,,: h.,.....n <..cdled ,,,,.,,,,';od<d. THIS COMTllACT IS SOLD BY SELLER WITHOl/T kECOl/RSt
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