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<br />PREPAYMENT AND ACCRUAL OF THE FINANCE CHARGE: Even though I do not have to pay more than the regular scheduledlllOnthly pay
<br />right to prepay the whole amount owing to you in full at any time or in part from time to time. If the lending institution or bank that buys my con~
<br />charge daily, I know my flJlll11Cecharge will be lessif! make an early payment, and itwill be higher if! pay late; I also reco~lIiatany.ueceSS8l)'
<br />finance charge will be reflected in my final bill; I also know that the amounts shown on the reverse side for the Finance Charge, Total of Payments,
<br />areestimat. es based on the assumption that you will receive each of. the. pa. ymentsexactlyon ils due date; and I know.th. .at ttiere wiI. 'I be. nore.fu.. 114.. If..1 ~..' .... '.Y'.bl"".
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<br />is nothing to refund if I am charged on a daily basis, If. the lending instttution or bank does DOt compute the financecharg.. ..e.dailv. '. " andifl. JlRP8. ythe. .whOlci.. ...'.-.....
<br /> ..... ,"YOU ....'
<br />will refund to me the unearned portion of the finance charge (in_t) by the accounting ptoCedltrelolown ..the 8cttuIriillmet6Od;andlli'lalllOUllf:or'rity.~'WIIl,lie'
<br />filllUOd on the scheduled dates and amounts of my monthly payment and not on the actiia1 dates and amounll> of the prepayments that 1 payto'you,] laloW'dllh,!efuiJd"
<br />orl..s than $I,OOwiU not be made,
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<br />ADDmONAL TERMS
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<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />eel W. as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OAlMPUi!I)
<br />BIUTY AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODSANDSERVlCESSU"
<br />NISHES BUYER WITH A SEPARATE WRITTEN UMlTED WARRANTY OR SERVlCECOHTR
<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 "lJMlTED W ARIl4.NTY" which lOCCornpauIes thisconlract,ltexlllains the conditionnDd"~!nwl:tlcli~_;
<br />ofldUred products will be repaired or replaced, IlBke notice of the limirations on the warranty, and I particularlY recognize1bat anyimplied'wtln'liDlY:wtildJIl'Pii01OtlI.e.'.
<br />goods lasts only as long as the Warratltyorserv!cecontracl, . .' .... ..... ...,..... .' <,-"f'
<br />SPECIAL-ORDER GOODS: 1 know that you have measured my house and its openings so that you can make the pJ'OdUet8 to filmy JlI1tIC\lIlt ~;; ",~,:
<br />goods that are manufactured for my specific house probably will not fit any other l1ou..., and under sucbconditions,l know thaU -c.-t1bis..;aiI)I.,
<br />after the period of time given tome, by law, in whicb to cancel. After that legal period of time, I know thatI have theobUgationtopay.youinfiillthe . '
<br />OBLlGA TIONS PERTAINING TO MY REAL ESTA 'fE: 1, I promise to keep my house in gocx'.repaIr and to keep it insuftll1 fot IlIeut. of
<br />by buying a rue and extended coverage insurance policy, The insurance company must be approved by you, and the policy must blYn~"
<br />you are to be paid if there is a loss, The insurance company must agree that it will not cancel iny policy withoutfll'St t<>Uing you, hutborizethe Ilismanc6
<br />you directly for any loss, You can choose to use this insurance payment to either repay any amounts I owe you or to repair my house. 2, I IlaO promIsethlltl'
<br />anyone else to place any liens on my real eslalc without your written pennissioo. 3, I promise to pay all taXes, assessments and other cbargea:ou,my teaI-~
<br />4,1 promise to timely make all payments on my prior loans secured by my real estate, r also promise that! will not extend. renew orchangepior,lo.ns WItltbut'
<br />permission, 5, Ifl do not insure my house or fulfill my other obligations to my real estate, then you can do it forme if you v.'lUJt(butyouoonothaveto);H!you
<br />of these obligations for me, I sgree to pay you back on demand plus interest at the highest lawful contnlCl rate of interest, Until 1 pay you bock; tbese_willlle-
<br />to my debt to you which is secured by my realeslalc and house, I know that if you decide to buy insurance for me that you do not hilve to obtain llII)' ltomeowlIeror '
<br />insunmce,
<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.
<br />DEFAULT: I will be in defaultunderthis contractif:
<br />I. ldon'tmakeapaymentwbendue;or
<br />2. I break: anv oromise I made to you in this contract; or
<br />3, Something clse happens which causes you to believe ill good faith <hat I do.....t intend to pay you as promised; or
<br />4, I default ODany obligations for which I am using my home as collateral; or
<br />5, Something happens to my house which threatens youriights. if any, in it.
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<br />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 IIttOllDII 1 0WIl youitF
<br />am ID defaul~ under this contract, Before my house is sold, you will do everything that the law requires, If you hire an attorney to ass!st you to SeI1 my house. or. to -_:
<br />or, to protect your ~ts. I sgree to pay you for your reasonable attorneys' fees and for other related expenses such as court costs, title sean:bes IlIIdIl10lley you ~
<br />to protect my house, If you are a1lowcd tocollect sucb amounts by law, "
<br />OTHER RIGHTS: We can choose not toeof"",e any!'f the rights under this contract as often as we want without losing them, Or. we can delay enforcin&an1Ofdae~'
<br />WIlboutlosmg them, We can a1sou.. any nghts lIOworm the future gtven tousby law, . '~~;,.
<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 SOllIe silUllions you may____'f:
<br />delays that are caused by S!!'iUi. v.utber conditions. delays you have in obtaining materiili~ or for ot.her !'e-a...cons that are beyond your CQnttol. I ~ tIiat:JOU: ,~, ,;
<br />not be liable forsuch delays, '
<br />ARBITRATION: If! have a dispute or claim with you concerning the quantity, quality or performance of the products, I undcntand that my dispute maybuubmll!lldl!)
<br />and settled accordin~ to the mediation-arbitration program that may have developed in my community, I also !triow that any decision ttlIIde bY an idJi1ralcC(a) would be..
<br />tcred in the court havtngjurisdiotion over me and you,
<br />SALVAGE VALUE: I lolow that the windows, woodwork. and other materials that have to be removed by you for this installation bave NO IIlv... value, WbeIlyou "'"
<br />move them. you can have tbem for whatever p<iIpO>C you want,
<br />SPECIAL ~ ~ to the uniqueness of some of the l'foducts that you sell, , undentand that in special situations that fO!'I" Relional ~ may bawl!) review
<br />and accept this contract, I also understand that this sale occurred m my home and that you and I may not bave had all the correct informIlion imporwIt to lbIt.tnIIIIIllIlco
<br />at ourlingenips; I give you my consent to correctany obvious errors that may have occuned wben the blanks in thiscontraet were completed,
<br />Th'VALID PROVISIONS: If any provision of this contract violates the law and is unenforceable, the ~ofthecon~will be valid, Ifllll)'parloflbltCODlnl:tnqulnl
<br />payment ofmore interest than the law pennilS, then you will only have the right tocollect from me the amount of interest which the law allOW$. you to co&ct,
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<br />wMi"L.r.;-ur."ESSOF~t;G!:''''iAAcr: T~ WliiniL;,..;ar. ootjw\:hAiii~ ifbiN'i }"w iiid I ~ i.'7 V.-rlti:1g.
<br />The following ootic:e brings to my atteotioothe rights that I have even when this conlrllCl is sold to a financial institution onblllll<, and I ahouId noUc:e thatbisnpc!l>
<br />tanceofthisprovisionisstressedby its appearance in lenpoint. boklfacetype: NOTICE 84 ...... 005453
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<br />lbll credit contract flnancea a purchaM. Alllegel right. whIch the Buyer hU a;alNt the.SeIIer .......
<br />out of tIllI tranaactIon. Including all c1alma and defen.... .... al80 valid agalnat any hoIcIer of thIe conInlcf:
<br />1M. right to !'@CO"., money from the hoIdw UncMr thll provlalon II limited' to the amount paid by the buyer
<br />under lItll contract. . -
<br />A claim Is a legally valid reaaon for aulng the Seller. A clef..... II a legally valid I'M8On for not PIIy1ng
<br />the SeI..... A holder II anyone trying to collect for the purchue.
<br />INSURANCE CANCELLATION: If I bave requested insurance in this ,Purchase, I may cancel such request for insurance for any reason within fifteen (15) elIys from the
<br />date ofthiscootract by DOtifying you or the bolder of this conb'llCt in writmg, Ilinow that the canceUation of my coventge will be arranged with the ins_CIirlOl(s) ancl
<br />aflill refund of my pmnium(s) togetberwith applicable finance charge will6e credited to this contract,
<br />PLEASE NOTE: If! have reonested insurance in this purchase, I will receive within thirty (30) days. cenificate of insurance more full)' describing the insurance covet1l&o-
<br />~-:x~;a~~~e~fu{l~~i;;~:~.cOf~~1~;~7ai~f~~J:~~~v~1~~=~~~~~~~i~';f\n&a~~:::~~=r!~surance that J unrovmm only to
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<br />NOTICE OF PROPOSED INSURANCE
<br />I take nolice!bat either Ctedit Life or Ctedit Accident and Hea!thlnsurance. or both, will be applicable to this Sales Contraet on the revene ,ide only if,1 bl'" choeen
<br />it by s!$ning the request for .""h insuntnce. This insurance will only cover the ~ signing the request at the cost foreach type of insurance shown, SubjeCt to acceptance
<br />by the .nsurance cotnpany. the insunmce will be effective as of today and will continue oilly for lbe number of months after the effective date equal to the number of
<br />montbIy payments, I understand that this particular insurance mat not provide cov011lJle for my last few payments. and that during that ~od of time I will not have ony
<br />!n=--,=""'~, All!>..,e,.';'" and ~ cftl>e.in?!""""" w'Jl be ~ to you or to 8 fUl,ancial institutton'?f8,bank ifi!"".L""","", theSaleoC_1O the~ofits
<br />!llIereSts and any balallce.m be payaoleto me, The tDltial amount of Credit LIfe Insurance ,slbe amount reqUIt'eQ to repay tne Total ofPIYmenlI; thereafter, the U\IIIralICC
<br />decRases by the amount of each monthly payment on a scheduled 30 day hasis, Ifl am jointly obligated on the Sales Contract with a Co-lluyer. and we have both sianed
<br />therequest for Credit Life 1IliUIlIllCO, deatb benefits will be payable cnly with respect 10 the firSt one of us to die, Subject to exclusions. elimillltlons orwaitins period stated
<br />in the IllIUrat1Ce policy orcertiftcate, Credit Accident and Health Inswaoce is for the benefit atroOUnt of 1130th of each month's payment for each day that I ant totallydisabIed
<br />due to IlIl injury or sickness wbile I owe illY payment to you; however. I underslllld that I have to be prevented from wori<ing oue to .uch total disability for more !ban fOllt"
<br />toen (14) consecutive day. before the insutUCe benefit is paid back to the first day of my total disability, I aIao 1<00. that I C&IIIIOl obIain ID)' lnt1inn<e tn:Im yooK I
<br />_ 0_ 65 y.... ol..luoIayi..... I aIao 1uIo,,1hIt lbe iJaIunmce CO\'erlIp provided to _IDllY <:oIIlaln I maximum IlI110lIIlI of co........bIeb wUlllOl pey In_
<br />....lbeeDdn _lhat ......)'OIl, Owl to the ltUOlimum amoun~ of coveraae Slated in the insurance policy, I know that any unpaid amount in exceso orthe insurance
<br />COy.... will still have to be paid, If the Sa1es COIllract is ~d in full prior to the l..t raymant date. any unearned insurance premiums will be refunded to me in the man.
<br />ner)lRlircribed by law, Within thirty (30) day., I will receive the cenificate of insurance more fully describing my insurance coverage. If the insuranc:e is not ICColpted by
<br />the_CQlOpIIly, I willroceivel refundoftbe insutUCe pmniwns I have paid",
<br />l!tiYD, The_I two ~ contain w_ties relative lolbl. sale given by ..to the fmancial institution or bank in order for II to buy this con_t,
<br />SEL. LER'8WAARANTlES AND A88IONMENT. OF. INS. TALLM~~S CO ACT AND MO~TGAGE ,
<br />FOR V ALlJli RECllIVEO, Seller I1ereby ..lis, ""lID>, conveys. transf.... and deliv.... 10 E' oJ) . G(.,..-~
<br />(Asota-)all of Its rl$bl>, tille and inle!est in and 10 the IllStaIlment Sllles Contrac'and Mortal&", 10jether with all lien. e1tsting to iu payment. and the property'
<br />~ hettloy, ^"'~ is hereby .ubstlMed .. M<maagee ~ the Mort&..,. provisions of thiI contract, Sell.r WlUTII1ll ~ represent>; { n It has the right 10 mako
<br />t!lis ~_; (2)A.iI.tatemenu and fi&um illlhis COlltracl and Ul the Buyer's slltemelll are mawillll} true and oo=t; (3) TIm contraCt....... from the bona fide .a1e
<br />~!!= ~"'-, and ~!t~!- ds!C!i~ ~~t~: (4)~. c-~ dQ~~!lt mown In this contract w.u. actu>>.l1y paId by Buyer 3-nd DO' part of lilll! dQwn~ynw:nt_ wu ,~~ dj~
<br />lCCUy' Of I~rectly by Soiler'" Suyer; (~) EacbBuyer" le."lIy <<?wpclClll lO, cnntr~l; (61Th;, contr~'''' 00' and will not be 'Ubp;l to an> d.,m, de"'n.., domaMot nsnl
<br />Qf ~l; t,.!) "The,-t:..ecutKHl of lhii c~act tWd the underl)1ng uJ.o.l trt8$4ktitm ,Him, rlW thtreto (,hd 1tQt "'I'llta(~ MY fOtJefiii tll: st.le 1.il.'W, dtfe(,'tlve. rUle l.."t tejulaoon
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<br />Ul~i;. (8.} 1n tlw ttntll tba1 Uilioomnrtot,tbt; ~..' .1Yt.."I.,sa1fi ~Uun." s.ubJet. t to a rijbl tlfK~iuJ.-()n 0-. t >:-lli:V,.';dii\tioo by the BU,yt'.f, ~u{'h reJ.du~on Of i.:~cHiI~
<br />lJ<"'~h#"p"e..IJ.,.j:",,_ th< .m""'th"coo_~,':LC_.li<!d ...."'''''inded. Tills ClllfllACl I$SOUI IV SfUER Wl1\lOUT~ECOUllSE,
<br />&., :~ 11'.SrtMO,',Y WHfJlI.lOf,'lIe ,'-:.j"';'l~l!g7f.~ ::~ of II>< ;,.!lot.n<l h.. "g,~ to"I.... on \><h.lI <II Ill< 5.11", ,,,,II,,,
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