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<br />84 _004137
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<br />ADDITIONAL 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 scheduled monthly payment, I have the
<br />right to prepay the whoJeamount owing to you in full at any time or in part from time to time. If the lending i.nstituti.on or bank that buys my contraelcompu.tes-the. fInance.
<br />charge daily, I know my finance charge will be less if! make an early payment, and it wiu be higher if! pay late; I also . ad'ustment1<>my total
<br />finance charge will be reflected in my fmaJ bill; I also know that the amounts shown on the reyersc side lor the_rmance, _ _ . .
<br />are estimates based on the assumption that you will receive each of the payments exactly on its due date; ,and I know that there will ~ n
<br />is nothinllto refund if I am charged on a daily basis. ff the lending iflstjtution or ba..Ak. does not compute L~'firt. .!....1iCe Cha..rge-dai!,._). :~. ,if! ~YJ~-W '. .>~~u..;,..t,
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<br />will refund to me the unearned poI1ion of the finance charge (in_t~ the """"unti~rocedure lmownasthe actnarial metllOO;andthe.amoun~ofmy.rebalewilf'be
<br />~~ u:, ~}xl':lli~t t,t:,:d amounts or my monthiy payment nut on the ac dates and amounts or the prepayments t\1atl pay to you, 1 knOw that a refund
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<br />.IMPORTANTNOTlCEABOUT WARRANTIES: . . ... ...... .... ..... .,
<br />(8) We.. SELLER HEREBY DISCLAIM ALL. W. ~RRANTlES, EXPRESS... EDOR.....:I.M.Ptl. ED. '. OFM...E8..CH
<br />BlutY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVlCESUNu:8SZSE , '
<br />NISHES BUYER WITH A SEPARATE. WRITTEN UMITED WARRANTY .OR SERVlCECONTRACTMADE':B
<br />LERON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). ... .' .. ...... ... ...:...:.>. ........... .....,.
<br />(b) I have read, in del8il, the separate "LIMITED WARRANTY" which accompanies this contract, I'e.p1ai11s the conditions and circUtl1SllillCe& in",1tich lhii~'
<br />ub<tured products will be repaired or repl~. I tal:enotice of the limitatioos on the warranty, and I particularly recognize thatanylinpliedwarranty.which:appllettdJIiil
<br />goods lasts only as long as the wammty OUervlce contract. ,- _ /_.' -._.- , _ _' _ ,,:< ,_:~
<br />SPEClAL'()RDER GOODS: lknow that you have measured my house and its openings SO that you can make the products to filmy paiticul8thOuseNtabnoti~tltil.
<br />goods that are manofactuted fur my .peen'" house probably will not fit any other ltousCs, and under .uch conditioos; I Imow that[ClIIIIIOt c.mcel1llis:COQtrllttlt'l\lY.till1e.
<br />after the period ortime given to me, by law, in whic~ to cancel. Afterthat legal period of time, I know that I have the ol>ligation topay you infuU tbC. .' . . .' .... .':.
<br />OBLIGA nONS PERT AlNING TO MY REAL ESTATE: I. I promise to keep my house in good repair and to keep it insuted for aHeast Mot
<br />by buying a f... and extended cov~ insurance policy. The insUtllllCe compaul{ must be ar,:Ved by you, and the policy must have . beneficiary.
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<br />pennission, S. If! donut in.ure my house orfuJill myotherobligatioos to my real estate; then you can do i,for me ifyou.wanl (but you <Io'!lOlhave to).lf'you:dopay any
<br />of these obligations for me. I agree [0 pay you back on demand plus interest at the highest lawful contract rate of interest. Until I pay you back, these amounts Will be added
<br />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 lUtve to obtain illY bomeowneror liabWty "
<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 fuIJyrepai,. ,'1.)' debt to you.
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<br />DEFAULT: I will be in defaullUllderthlscolltractir:
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<br />I. ldon't makeapayment when due; or
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<br />2. I break any promise J made to you in this conr:ract; or
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<br />3. Something else hapJcns which causes you to believe in good fair.h thatt 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 house which threateos your rights, if any. in il.
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<br />IF I AM IN DEFAULT: I undentand thaI you have the right to foreclose the Mortgage I have given 10 you and have my house sold to repay any IItIOIIItlII owe you if I
<br />am in default UDder this contract. Before my house is sold. you will do everything that the law requires. If you hire an attorney to ac:.t you to leU. I my houIe~ Of,'to~. me.
<br />or, to protect your rig!1ts, I agree to pay you ror your lUSOIlllbI. altOmey.' r... and ror other related expenses such as coutt costs. tide searchoo and muney )'011 ex
<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 ofu:n as we want without losing thorn, Or, we can dellY enf'orcin&:1IIl' oftm rl&h1l '
<br />without losing them. We can also use any rigba tlOW or in the future given to us by law.
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<br />no' be liable for such delays,
<br />ARBlTRA nON: If! have a dispute or cla1m with y... concerning the quantiI)', quality or petfonnance of the products, I undet:stand that my dispute may be subtnltted to
<br />and settled acronIing to the mediation-arl>1tration program that may hl.e developed in my community. I also know that any deci.ion made by an axbitrator(.) would be en-
<br />tered in the CQUIt having jurisdiction over roe and you.
<br />SALVAGE VALUE: I know thaI the Windows, wnodworl:, and other material, thaI have to be removed by you for this i..taUation bave NO IIlv... value, Wben you....
<br />move them. you can have them for whatever purpose you want.
<br />SPECIAL SITUA nONS: Due '0 the unique.... of some of the product> that you sell, I undentand thaI in speeial .inwi.vn. that y<l!Il'Regional Olftce may have 10 review
<br />and accept this contraCt. I also undemand that this sol. occurred In my home and Oat you and II1U!Y nut have had all L'le cOrt'eCI infurmailon imDortant to thi. ~
<br />atourfinprtips; r give: you my consentto correct any obvIOUS errors that may have oa;:urred. when the blanks- in thilCODtIW:t. werewmpleted. ~
<br />INVALID PROVISIONS: If any proYision of this contract viol_ the law and i. unenforceable, the teSt of the contIICt will be \lBliO, ihny panOftlliHOtlll1lCl requina
<br />pay'ntelll of more i_than the law pennits, then you will only !lB.e the right to colle<;t from me theamount of interea~ which the law a110... yotllOcoiIo:L
<br />COMPLKTENESSOFTlllSC01\fl1IACf: Thisr:oua:actcanualy be cbanged ifbothyou.aodI_in writinS,
<br />The following ~ brinAs ~ my anention me. righu that I ha-.'e e'\"en when this contract is $Old to a financial institution Of a bank. and I should notice thlllhe impor.
<br />tanceorthisprovision...-li)'tts_", in ten point, boldla.:e type, NOTICE 84 -004137
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<br />TIll. credit contract flnanc:M a purchaH. All 1.1 rlghta which the Buyer hU eoaln.t the Seller aIItIna
<br />out of \hit tranaactlon. Including all claim. and defen.... are 8110 valid eoalnat .ny holder of thla contrHt:
<br />The right to *=Over money from the holder under thl. provlalon I. limited to the amount paid by the buyer
<br />under lhta contract.
<br />A claim I. a legally valid reaaon for .ulng the Saller. A detente 'a a legally valid reuon for not paying
<br />the Seller, A holder I. 8nyOM trying to collect for the purch8M,
<br />lNSVllANCE CANCELLA nON: If I bave requested insuran.:e in thIS purchase, I may cancel such request lor insurance for any reason within fifteen (15) daya from the
<br />date ohllls coalra<;. by notifying JOU or the hoIdet of this contraCl Ul woung. I know that the cancellation or my covenge will be lIITBIIlled with the i..ur:ance cairiot(.) and
<br />I full refund of my pmniuml.s) together with applicable finance charge will be cn:di1ed to this contract.
<br />PLEASE NOTE: If! ban requested ins..""," In this pun:hase.l will =elve within thirty (30)days a certificate of insurance more fully describins the InsU...-<O_,
<br />I know that... if.thete. .i'.~' c~ict in the coveraae or the language of the certiflClllte of insUf1UloZe and the foUowmg Noti~ of Proposed Insurance that I am CO~ only to
<br />the e.te'\j.~rt' ~w..S Nouce of Proposed Insurance. I abo know that I have UlSUl'lllKe eoveras.only If! have been charged ror it.
<br />· ". ,! ~J NOnce OF PROPOSED INSURANCE
<br />. I. 114 notice that either Credit Llle or Credil Accident and Health I.osurance, or both, will be applicable to this Sale. ContraCt on the re...... .ide only if I hava clroaen
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<br />monthly 1*_. I uodentaDd thaI this pa.rticldar insutance may not provide cove<Bp for my last few l"'y....ts. and that during that period of lime I will not have any
<br />i.nsuraucc covenae.. All bcnefiu and procOeds of the insurance will be paid to you or to a financial institution Of il bank it it purchases Ute Sales. Contn!ct to the ex.tlIDt of Its
<br />i_. and any balance will be payable to me, The initial amounI of Credi, Life Insurance i. the amounl required to repay the ToIa! of PaymeulS; theteafu:t. ' the ..... unnce.
<br />~ bv the _ of eaclt monthly pay"'" on a . If I am jointly obliaated on the Sales Contract with I Co-Btlyer, and we baveboth siaued
<br />the teljueat for Ctedit Llle lnaunnce, death benefit> will I to the fint one of us to die. Subject to ..clusi..., elimlnatlou. or waitillB ptrlocI slided
<br />in the ~ JlOlley orcenificate, Credit Accident benefit llIltOUn' of 113Qth of each month'. payment ror each day that I am t<lt&lIy disabled
<br />due lO... tnjuty or ~ while I owe any payment to yOU; ""wever, I undentond that I ha.. to ~ven1ed fn>m wori:inf due to such tow disability for more than four,
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<br />- ..... aIodn _lIoaii..... _. Due to the muimwn amount of C<IVOI'I&e.- in the ...urance JlOlicy, I know that any' unpaid amount in ex.... ur ~...unnce
<br />~ wilIllill bavatobepoid,lflbe Sales C_t i.prepaid in full prior to thO Wt l"'ytnenldate, any UllOIl'IlOI! ins~",pmniums wi)[ be rel\mded to me in the mOD,
<br />"" JlFO*'ribcd by law. Withil> thirty t3Q) day.. I will receive the cwtitie..e of "lOU""," more fullv describing m. ...oran.... e,werase. If the in.urance is not ICCOI'lOd by
<br />rloe__~.lwiIl"""""tefuadofthein'unncepromiumslha..paid, ' .
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<br />IUYE1la lM"Jtttwu~(oo.Wa w~relati.votolhill4le ginn by U1 to the finanda1 tniUlutton Of bank in order for it m buy tIllS contrl(L
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<br />fQ~Y:;~==~:~="~~:~=~:~~i~~~~~~fuACT,AN M?~~~L~~j [~':"
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<br />,,,,,"8DO<').u of ill ... title Illld i_ in Illld to the f~_. Sales CtmtraCt and M<>tIllase, _ther ,,,th illlliens uist.., "" . it. p,lVrnenl.>nd th< property
<br />~\UJ._'Od~ ~ il~' ..ti.tuted ~ ~tc undct the Mortia&e: proVlttQM of ttw -4,\.)ntf~t. S.cil<<r wan-am... and fO-l'ltl!:lo(nll; tlJ h h>> t-he.ri$lJt t~~ lnUt
<br />thb,,~ (...) All ~ and .~JU1'" h;t this cortitact aod m rN 8\1)1<<'-' J.Wemcm ... f1lAlOf\A1I'\" ttU< and \:l~t, f."\.) ')h~ .(\.'nt:tlh~! .jJ)1.}X fttnll the- tH'lN. n-dt. ulc
<br />~"l tlw ~ and .rvKa dticribtd henUl~ tot) The Q$h dtmnpa)!rt\Cru Jibt:rwn in this: l,':oou.:~t w," *,,-tualf)' palJ by 8Uft'i ~md 00 ~SU, d uu-d d~)\\rn.\t}tr):e"'t WlU: h~ d..
<br />~t!Y. Of U..4.i~'(1) by SlAUet bJ.hyC't~ (S)n.:.n B~)'tf~, lepUy tQ~nl. tn.-c~,t; (6) n.lS\":<)Q,U~f.iJ f1t?llind wiH f.lol.~ t-e,t~~_)t<f II) trr~ d.lm, Jdt.h>\<. dt-mtlhi.ot n,ght
<br />",}(\ri'bet; i1) 1lw Uk:. ;t.tti(m vt.. tAti '.iJMl-'t ud tbe unde.rly.ifti"'.~. ';tKm. Ji.vlnl ri'Sit.them<>.. .~<W. not ~~"-H4.t(' J.I\~' fNf'l:..41 \.~' "~lH-t tll'W,. Jur-'\,tJ\.'t'o
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