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<br />003582
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<br />ADDITIONAL TERMS
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<br />PREP A VMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though I dp nOl bave '" pay mo'" than the "'gular scheduled monthly payment..1 bavethe..
<br />righl to p"'pay the whole amount owing'" you io foil at any time or in plll'l from time '" time, If the leodmg imtitution or bank thatbuyamy contno:t<OmpllleS thefinanc:e
<br />charge daily, I know my finance charge will be le..ifI make an early payment, ..-.d it will be higher If I pay latA:; I alsoreeognizett,ztany. 'lleCC&Iary. . ,adjustment.'... . ......
<br /> to.... m. .ytoW.......
<br />fioance charge will be reflected in my fmal bill; I also know that the amounts shown on the reverse side for thel'inance Charge, TolJII ofPaymeD\S,8ll<ftbeTt:>laI~Pri<;e
<br />are estimates based on the assumption that you will """,ive eacb of thel'ayments exactly on its due dale; and I know that thenl will bellO ",fund iflinpay~lIMiIe
<br />is nothing'" ",food ir I am charged on a daily basis, If theleoding insl1tutinn or bank does not compUte the fioance cbarge.<lailY, and if 1 prepay tbi W.hci . ~.iuJI(Jlult;you
<br />wUl ",fund'" me the unearned ponion of the fioanee charge (iote"'..) by the accounlinglllOCedurelmown as the actuariall1lethod; and die anlOlIIItoftityid>atewillbe.'
<br />filUl1'ed on the scbeduled dales and amounts of my monthly payment and nOl on the aCtua1 dates and amounts of theprepaymeolS that I pay to yOU, I lioow tbat a Id'und' .
<br />on..s than $1.00will not be made, . ,
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<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />la) W.as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSEDORIMPUED,OF"MEFieHAN'rA-'
<br />BILrtYAND FITNESS FOR A PARTICULAR PURPOSE ON ALLGOODSANDSERVICES'UNLESSSE~R'FUR.
<br />N1SHESBUYER WITH A SEPARATE WRmEN LIMITED WARRANTY OR SERVICECONTRACTM'ADE)BYSE~
<br />LER ON ITS OWN BEHALF (WHICH. IF MACE. ACCOMPANIES 1MIS CONTRACT). '
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<br />(b) I have read, in detail, the separate "LIMITED WARRANTY" which accompanies this contract, Ite.plain. the conditions and ci=mstancesln 1"hiqhthi~
<br />or_red products will be repaired or replaced, I take notice or the limitations on the w......nty. and I particularly recognize that any implied wlll'llllltywhiCb&PPUel to tbe
<br />goods lasts only as long as the warranty orservlcecontract, '__, ,'_. ,-'~,_-- _"_'-"',',,-.,_:,:,
<br />SPECIAL-ORDER GOODS: I know thaI you bave measured my bouse and its openings so that you can make the products '" fit my particular bouse, I -notice't!W't!le
<br />goods that are manufactured for my specific house probably will not tit any other houses, and under such conditions. J know that [cannot cancel dds- con~at any:time
<br />afterthe period of time given to me, by law, in which to cancel. After that legal period of time, I know that I have the obligation to pay you infull theamoun~QW~~:
<br />OBLIGATIONS PERTAINING TO MY REAL ESTATE: I , I promise '" keep my bouse io Bond repair and '" keep it insured for alleast. ' , nl~.
<br />by buying a fire and extended coverage insurance policy. The insurance company must be approved by you, and the policy ,must have a , , -lay. th.
<br />you a:e to be paid if there is a loss, The insurance ~o~pany must agree that it will notcanceJ iny policy without first telling you. I authori.u_ , _pay'
<br />you dlreCtly for any loss, You can choose to use thIS lDsurancepayment to either repay any amounts I owe you or to repair, mY-houle:-2., I also __ _, ,_ _ _ , ,'" ~_-,_
<br />:~r~~~:: ~~iy~Ji:~I~~;Je~~ :~:; W!:~~~~~~=b::mr:~:ta~"~:ise ~~~:~~~==~:=~~t;;f:i~~d:u~~~~:_~::-
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<br />permission, 5. If! do not insure my house orfullill my other obligations to my real estate, ~ you can do it forme if you want(butyoudC?not-have-'tokIfyoudOpayany:'
<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 ~:winJ:~e:~';
<br />!o 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, homeownel"or,li8biljtf:"
<br />msurance. '
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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 undertbis conuactif:
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<br />I. I don't make a payment when due; or
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<br />2. I break any promise j made to you in this cOnlraCt; or
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<br />3. Something else happens which causes you to believe in good faith that I do 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 collateral; or
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<br />5. Something happens to my bouse which :r~nlensyourrights, ifany, in it.
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<br />IF I AM IN DEF A UL 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
<br />am in default under this contract. Before my house is sold. you will do everything that the law requires, If you hire an anomey to assist you to seUmy_ house. .; or.. to sue met
<br />or, to protect your ri~ts. 1 agree to pay you for your reasonable auorneys' fees and for other related expenses such as court costs, title searches and mOD~:You expended
<br />to protect my house. If you are allowed to collect such amounts by law.
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<br />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 rigb~ - ~
<br />without losing them. We can also use any rights now orin the future given to us by Jaw.
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<br />:~~Z~: ~~~~h~os~~~~~~~:r~~~~~~:,~~~;~etfar:i~uri::i~:~~~~~~no~lo~~~~;~~~~sili~~rs~~~a:~~~~~i~:~~~a~~U=
<br />nol be liable for such delays,
<br />ARBITRATION: If I 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 accordins to the mediation-arbitration program that may have devefoped in my community. I also know that any decision made by an _arbitnltor(s) would be en..
<br />tered in the courthavlOgjurisdiction over me and yeu.
<br />SALVAGE VALUE: I know that the windows. woodwork, and other materials that have to be removed by you for this installation have NO salvago .value. When you re-
<br />move them, you can have them for whatever purpose you want.
<br />SPECIAL SITUATIONS: Due to the uniqueness of some of the products that yo~ "'u, lm\d,entsnd that in specialsiluations th., rour Regional Office may bave '" review
<br />and accept this contract. I also understand that this sale occurred m my home and:1h~,JYPu ~trtIAY not have had aU the correct mfonnation important to this traltlaction
<br />at our fingertips; f give you my consent [0 correct any obvious errors that may have occuiTM when tl\e'blanks in this contract were completed.
<br />INV ALID 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 tontract 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 coHoet,.
<br />COMPLETENESS OF THIS CONTRACT: This contract can only be changed irboth you and I agree in writing,
<br />The foHowing notice brings to my attention the rights that I have even when this contract is sold to a fHiaiflciaJ institution or a bank. and I should notice that tho impor-
<br />tance of this provision is stressed by ilS appesrance in len poim, bold race Iype: NOTICE 84 - 0 03& a~
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<br />This credit contract finances a purch.... All legal rights which the Buy.r ha. against the Sell.r srlllng
<br />out of thla transaction. Including all elalm. and def.n.... are .180 valid against any hold.r of this contrsct.
<br />The right to recov.r money from the holder under this provl.lon Is limited to the amount paid by the buyer
<br />under this contraet.
<br />A claim Is a legally valid raason for suing the Seller. A d.f.ns. Is a legllly valid rl.sonfor not paying
<br />the SeU~r. ^ h~~dttr !9 enyo"~ try!ng to ooHec! for the purchege,
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<br />INSURANCE CANCELLATION: If I have reque5ted insurance in this purchase. I may cancel such request for insurance for any reason within fifteen (15) days from the
<br />~%llO~~~dc~r~~~~~~&~~i~ili~:~:h ~~:rt~~~l~~n:~~~~~~~{r~ ~~~ ~~~: ~::~~tion of my coverage will be arranged with the insurance carrier(s) and
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<br />PLEASE NOTE: Ifl have re~uested insurance in thisgurchase, I will Te-eei....e within thirty (30) days a certificate of insurance more fully describing the insurance coverage.
<br />~:x~~~~~i~i~e~ fufi~~in~~~ti~~fP;~~~Jns~~~~jgJs~I~~~~~~lh~ev~~~~~~~~~~~r~~ ~~:~7lr~;~~~~~~::r:~tf~r ~~,surance that I am covered only to
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<br />NOTICE OF PROPOSED INSURANCE
<br />I take notice that either Credit Life or Credit Accident and Health Insurance, or both, will be applicable to this Sales Contract on the reverse side only if I have chosen
<br />~ybrh~~:~~e~~~C;:~~h~~=~ewTIli~n:ff:;~ee ~IOfn~~v:~t:flfr:~~ti~~~~~~f;a~~~~~~o~: ~~~:: ~r: ~:~ff~~~ s~~~~bf:~~ :u:be~f
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<br />monthly payments. I undersland that this particular insurance may not provide coverage for my last few payments. and that during that period of time I will not have any
<br />insurance co...e~e. All benefits andibwceeds of the insurance will be ~aid to you or to a fmandalinstituuon or a bank if it lhurchases the Sales Contract to the extent of its
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<br />~~.:~ ili~ ~~~ ~i~~ ~~n~fyt~:rN:~~~~~ti~h~~;:;:: 36 ~~t~i~eAni~~i~u~~b~~~l~~~a\~srec~~m:?:~ ~fl:B~~~~;~d~I~~~~~:i
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<br />the request rOf Credit Life InsuI'iUK-e, death benefits will be payable only with respect to the first one of us 10 die. SUbJect to exclusion.s. eliminations or waiting period stated
<br />in the IOs~~ce poli~y Of certi~cate, Credit Accident and Health [nliurance is for ihebenefit amount of 1/30th of e~u;h mon~ '5 payment for ea<:o day' ~t t!lm totally disabled
<br />due (0 an lDJUI)' or 51Ckness while 1 owe any payment to you; however, I undersland that I have to-be prevented from workmg due to such total dlSablJlty tur more than four~
<br />teen (14) consecutive days before the insurance benefit is paid back to the fin;.t day of my total disability. I abo know that I cannot obtain Ilny Imuranee f'tvm fuoU II I
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<br />=:~~=.~~:::fi:~laI::~::~:t~i~~atn:~:~v;::;:~:~~:~~:~ ~i=~~~j~~=o:o::t~~~~~;~~x~:'::f~fns=:
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<br />coverage- wilt still have to be paid. If th: Sales Contractls prepaid in full prior to the lasl rayment date, :s.n)' unearned insurance premiums wiU be refunded to me in the ITI&n.
<br />nef prescribed by law, Within thirty (30) days. I will receive the certificate of in~u[ance more fuUy describing ffi\' insurance coverag:e, If the insunmce is not accepted by
<br />the lnsurancC company ,1 will receive I refund of the: insurance premiums j have paid, ~
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<br />BUYER: Tbe neJtl tWQ parlt&1'aPM contain witrrahties re!ahve to this s&le giv~n by U5 l.lJ the financial institution or tnlnk in order for it to buy Wi \.'ontract,
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<br />SELLER'S WARRANTIES AND ASSIGNMENT OF INSTALLMPiT S'(~ESCOfol1'RACT AN~MORTGA9E
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<br />FOR V ALliE R.J:':CElVED, Sellet hecreby ~!l:'il a5$l.g..'1~, \'-tm\'e}'~-, uillu-fel'~ lL-'1d Jclivf:r~ to ~ "_~:'~_.,;.,_",,~,_~_~~,_~_::~_,.>____,.....,~~~':<:-.",,__
<br />(Aj~an<<-) all (J{ it. rivm, titlt and intere~t i':i and to t~ fnstallrnent S,le~ CQnlrllCt and !\-~urti&g.e, [Dgeth,er wlth *ll hem- r'(lstms, to~.re H.~ pA.,vment, at),:! tht propert)'
<br />e~um~ nere7:__" ^t~ i~ hereb . iublflt~1l'd as Ml.'fI1i8&CC \.l~l the_,,"lor:-&J1Ie ,pfOvl5ions of rn~& t"OUI11iI,;[. Sella warrants; .Dl!d repr't~nu; n 1- It tuu the rig.ht ~0 rn_a.~t
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<br />;_~1::~:~ !~j _ _ ~ontract and w the 9\ly~r ! Jtatem<~~~~~~~~ll?~ ~fd at; B~~~;~inf;_~~ ~~r1~~f~l~\~~~S~ ~~~~ ~~~~~~~:i~
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<br />retu,:orind,irt<:t1yb}" Sener~B. _ _ 6) Thb-,onttllC! !~not,j,ndwm ~.'t~,s!J~.~:t h"tM}' rht;n~. ~(t!'l~.dtrJla_nd(\f!'tghl
<br />uf ~")ot'~, f1~ Tht: t~.<<btkH'i of fh_:_~ _ Q:h.t;lIW1ir!H SivJnlt ri-~ theJ:m.o-dM n('Jt \''IOI.itt' 1m)' ft"~'i\I or '\:~tt lit\l- .-d~r(,:H'~ef ruJr: ~~r~_iij;1allon fK}?;'
<br />lfl ffftc{: (IlJ In the ~t,nt t:tul. thl.~ .,,'.) MQ,l~tJOf1 i,. ~11btv:t rp ii dght pf ft.~.~t,:;",;1"1t ,,1' ';1'J;!h-.;-1~lttJ!~n r~> .r-~ ~uyr[, ~\I"-l-" n"h 'n,,",!'] :--;r- .-,,,,~'e-n(l
<br />;1<.\;' p.:;ho.j h,1Ji- -t._\.pvt',,j .,,~} I)(:!,hc: r!)(' ~.Jl!-i; 1j(~1' l.hi.f. ~~m!r6(;< h~~ t~4',tl t:<l_w:,r.-n~d >:If reK!n~k~t THts CONTRACT tS SOLO ill UU fa WlTHOUi RECOURse
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