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I " .. 84...... 004711 ADDITIONAL TERMS ~ic;. PRE"A.. . ' . lAWn ACCRUAL OF THE FINANCE CHARGE: Even though I do not have to pay more than the regnlarscheduled monthlypayment..1 have thee. right@ p 'f ,~hiile amount owing to you in full a' any time or in part from time to time. If the lending institution or bank that buy. my eonlIllCtcomputes the finance charge ily, I know my finance charge will be les. if I make an early payment, and it will be higher. if I pa. y laic;. I also recognize.. that. anyneces. .sary.. '....adJUS.' tmen.. .t.to.my lQIal.. .' finance charge will be reflected in my final bill; I also know that the amounts .hown on the rev.... .ide for1heFinanceCharge.TotaI of Payments. and1beTotaI SlilePriCe. are -estimates'~. on the assumption that you will receive each of the payments exactly on its due date; 'and I know d:tat thae will tie-no ' i. nothing to refuri<! if! am ch..-ged on a daily basi., If.the lending in.ntution or bank does not compute the fmance charge.dajJy, andiHprepay,the will refund to me the unearned portion of the finance charge (interest) by the -accounting procedure known as the;actuarial method;,-and'.tt)e-ammmt fiowed on the scheduled dates and amounts of my monthly paymen~ and not on the actUal dates and amounts oI the prepayments that I par to you, I knOw that a_ ofIes. than SI.OOwill not be made, IMPORTANT NOTICE ABOUT WARRANTIES: (a) W.. a8' SELLER HEREBY DISCLAIM ALL WARR. ANTlES, EXPRESSED. OR 1M. p. LIED, OF. M. ERC. HA..llm..........~. - BILrtY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESSSED.ERi1#UR~ NISHES BUYER WITH A SEPARATE WRmEN LIMITED WARRANTY OR SERVlCECONTRACT'MADEBVS,EL- LER ON'ITSOWNBEHALF (WHICH, IF MADE, ACCOMPANlESTHIS;CONTRACT). ' (b) I have read, in detail, the separate "LIMITEDW ARRAN'fY" which accompanies this contract. It explain. the conditionsand circumstances in which the - ufaeturedproducts will be repaired or replaced, I take notice of the limitation. on the warranty, and I particularly recognize thaI any implied warranty which appliea to the goods lasts only as long as the warranty or service contraCt. SPEClAL-ORDER GOODS: I know that you have measured my house and its opening. so that you can make the products to fit my particular house. I takenooce 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 conttac:t at any time afterlhe 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 in full the amount owed. OBLIGA nONS PERT AlNING TO MY REAL ESTATE: 1. I promise to keep my house in good repair and to keep it in.ured for at least 80% or its replacement value by buying a fire and extended coverage insurance policy. The insurance company must be approved by you, and the policy must have a beneficiary clause which aays,that you are to be paid if there is a loss. The insurance company must agree that it will not cancel my policy without first telling you. I authorize the insurance company to pay you directly ror any loss. You can choose to use this insurance payment to either 1'Ct)ay any amounts I owe YOll or to repair my house. 2. I also promise that I WIll not allow anyone else to place any liens on my real estate without your ",Titlen permission. 3~.1 promise to pay all taxes, assessments and other charges on my real estate whendu_e~ 4. 1 promise to timely make aU payments on my prior loans secured by my real estate. r also promise that I will not extend, renew or change prior loans without your written pennission. S. If I do not insure my house or fuJfill my other obligations to my real estate, then you can do it for me if you want (but you do not have to). If you do pay- any of these obligations for me. I agree to pay you back on demand plus intere!it at the highest lawful Cvctra,.-. nlte of interest. Until I pay you back. these amtJwts will be added !o my debt to you which is secured. by my real estate and house. I know mat if you decide to buy inc;urall...~ -for me that you do not have to obtain any homeowner or liability msurance. SALE OF MY HOUSE: I promise not to seU,leaseor give my house to anyone until I ha-1ft; -p..t" .' ...paid my debt to you. DEFAULT: I will be in defaull unllerthi.contraCl ir: 1. I don't make apaymentwhendue;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 payyou 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, init. IF I AM IN DEFAULT: 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 ifl 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. to protect your rig!1ts. I agree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs. title searches and money you ex.pended to protect my house, If you are allowed. to collect such amounts by law. OTHER RIGHTS: We can chnn~ om 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 v..;thout losing them. We can also use any rights now or in the future given to us by law. DELAYS: I know that you will use your bcst efforts to install the products I am purchasing an my house. but I also understand tbatin somesituEtions 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. " ARBITRA nON: 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 and settled accordln~ to the mediation-arbitration program that may have developed in my community. I also know that any decision made by 80 arbitrator(s) would be en- tered in me coon havmgjurisdiction over me and 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 whatever purpose you want. SPECIAL SITUA nONS: Due to the uniqueness of some of the ~roducts that you sell, I understand that in special situations that your Regional Office may have to review and accq>t this contracl, I also undentand that this sale 0C<:\l1'I'ed m my home and that you and I may !lOt have ba4 all the COtreCt mfonnation importaJlt to thI. tranlllClion at ourfmgertips; I give you my consent to con:ect any obvious etTOrs that may have. occurred when the blanks in this conlract were completed. !NY ALID PROVISIONS: If any provision of this cootraCt violates the law and i. uneoIorceable. the rest of the contract will be valid. If any part of this contract requires payment ofmore in~tthan tbelaw permits, then you wiH oniy have the right iO coUect from me the ~'nountofL'l;ter-.st whith t.~_lJ!W a11gws-you tQcollect. u L L I ---J , J L__