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84 _005640 " IU: II {) ADomONAL TERMS PREPAYMENT AND ACCRUAL OF THE FIN ..NCE CHARGE: Even though I do not have to pay more than the regular scheduled monthly payment. I have the 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 hank that buys my contract computes the finance charge daily, I know my fmance charge will be less if I make an early payment, and it will be higher ifl pay late; I also recognize that any ne<:essaty adjusltnentto my total finance chargc will be reflected in my fmal bill; I also know that the amounts shown on the reverse sideforthe FmanceChatge, Total ofPayments,lIIldthe ToI8I SalePrice 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 be no refUnd ifl prepay beca_ tbele is nothing to refund if I am charged on a daily basis. If the lending insl1tution or hank does not com~ute the finance charge daily, and if I prepay the whole 1lItIOtiIlt, you wiii refund to me the uneamed portion of the finance crnge (interest) by the accounting I!lvcedu.lS ,.,-.own as the actuarial method; and the amount-of iny,~,:wm-be. figured on the scheduled dates and amounts of my monthly payment and not on the actual dates and amounts of the prep<IYt1lCnts that I pay to you..! know that a.refuDd ofless than $1,00 will not be made. IMPORTANT NOTICE ABOUT WARRANTIES: (8) We as SELLER HEREBY DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPUED, OF MERCHANTA>- BILity AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNLESS SEttER fUR- NISHES BUYER WITH A SEPARATE WRITTEN UMITED WARRANTY OR ,SERVICE CONTRACT MADE BY SEL. LER ON ITS OWN BEHALf (WHICH, IF MADE, ACCOMPANIES llilS CONTRACT). ',. (b) I have read, in detail, the separate "UMITEDW ARRANTY" which accompanies this contract, It explains the conditions andcircumstanc:esin.whidlthe,.... ufadured products will be repaired or replaced, I take notice of the limitations on the wammty, and I particularly recognize that any implied,warranrywbiclupplle&tothe goods lasts only as long as the warranty or service contract, . ,': . SPECIAL-ORDER GOODS: I know that you have measured my house and its openings so that you can make the pro<IuClS to fit my particular \tous(>, Itake ~llIlit llle 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 COIIIrICt at any.lIiI>> after the 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 theamountowecL OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. I promise to keep my house in good repair and to keep i~insured foratleast8ll%ofita~~ by buying a fire and extended coverage insurance policy, The insurance company must be approved by you, and the policy must have a beneficiary c1auaewbicllSJyllllilL you an: 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 insurancecompaayctopay' 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 also promise that IVriII nillallow anyone else to place any liens on my real estate without your written permission, 3. I promise to pay all taxes, assessments and other cbargeson my rea1_:~<lue' 4, I promise to timely make all payments on my prior loans secured by my real estate. I also promise that I will not 'OXtend, renew or change prior loans without your wrilIm permission, 5, If! 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), lfyou'<!o:JlaY'!"Y. of these obligations for me, I agree to pay you hack on demand plus interest at the highest lawful contract rate of interest, Until I pay you back. these IUtIOtIJItS will be"liddeiI 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"" not have to obtain anyhomeowner or liIbiIIty Insurance. SALE OF MY HOUSE: I promise not to sell, lease or give my house to anyone until I havefr'lv repaid my debtto you, DEFAULT: I will be in default under this contract if: 1. I don't make a payment when due; 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 inteod to pay you 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 , ir any, in it, IF I AM IN DEFAULT: I understand that you have the right to roreclose the Mortgage I have given to you and have my house sold to repay any atIIOIIlItaJoweyoulfI am ,n derault under this contract. Before my ho~se is sold, you will do everything that the law requires, If you hire an attomey to ass!st you to Sell my, house,', OI'i, ,to_, me. or, to proteCt your ri~hts, I agree to pay you for your reasonable anorneys' fees and for other related expenses such as court costs. title searcItu and money you.apllIIdecl to proteCt my house. If you are allowed to coHeel such amounts by law. 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 enforciD&,~y ofllleripla wiLhout 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 best efforts to install the products I am purchasing on my house. but I also understand that in some situatiOlll you may eIIClllItlIer delays that are caused by strikes. weather conditions, delays you have in obtaining materials, or for other reasons that are beyond your control, I undeistantI that you will not be liable for such delays, ARBITRA nON: If I have a dispute or claim ",ith you concerning the quantity, quality or perfonnance of the products. I understand that my dispute may be submilleci 10 and settled accordins to the mediation-arbitration pro~ that may have developed in my community, I also know that any decision made by an irbllralot(l) woulel beu. tered in the court havmgjurisdiction over me and y<,u. SALVAGE VALUE: I know that the windows, woodwork, and other materials that have to be removed by you for this installation have NO salvap VII..., Whan you reo move them. you can have them for whatever purpose you want. SPECIAL SITU A T10NS: Due to the uniqueness of some of the products that you sell. I understand that in special situations that rour Regional Ofl'lce may have to review and accept tins contract, I also understand that this sale occurred m my home and that you and I may not hive had all the correct informalion important to this aansaction at ourfmgertips; I give you my consent to correct any obvious errors that may have occurred when the blanks in this contract were completed. INVALID PROVISIONS: If any provision of this contract ,iolates the law and is unenforceable, the rest of the contract will be valid, If any pari of this COtIlrII:t requirH payment of mOle interest than the lawpennits, then you will only have the right to collect from me the amount of interest which the law allows you to collect, COMPLETENESS OF THIS CONTRACT: This contract can only be cha:.ged if hoth you and I agree in writing, The following notice brings to my attention the rights that I have even when this contract is sold to a financial institution or a bank, and I should notice that the imp0r- tance of this provision IS stressed by its appearance in ten point. bold face type: NOTICE 84 -on ~ A If n This credit contract fln.nces a purch.... All legal rlghta which the Buyer haa against ._","'\M1ng out of this transactlon, Including all cl.lma .nd defen.... are .Iso v.lld .galnlt .ny holar of thl. oontract. The right to recover money from the holder under thll provlllon II limited to the amount paid by the buyer under thll contract. A claim la . leg.lly valid reason for lulng the Seller. A defen.. II a leg.lly v.lld reason for not paying the Seller. A holder II anyone trying to collect for the purcha... INSURANCE CANCELLATION: If I have requested insurance in this purchase. I may cancel such request for insurance for any reason withln fifteen (15) days from the date or this contract by notifying you or the holder 01 this contract in writing, I know that the cancellation of my coverage will be ammged with the insurance carriet{s) and a full refund of my premium(s) together with applicable finance charge will De credited to this contract. PLEASE NOTE: If! have requested insurance in this purchase, I will rec"ive within thlrty (30) days a certificate or insurance more fully describing the insurance cove....e. I know that if there is anv conflict in the coverage or the language or the certificate or insurance and the rollowing Notice of Proposed Insurance that I am covered only to the extent stated in the fofJowing Notice ofProp:>sed Insurance. I also know that I have insurance coverage only if I have been charged for it. , , \ , ' j NOTICE OF PROPOSED INSURANCE 1 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 it by signing 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 by the lOSIU'lUl(.'<: company, the insurance will be effective as of today and will continue only ror the number of months after the effective dale equal to the uumber of monthly paymentS. I understand that this particular insurance may not provide coverage for my last few ~yments, and that during that period of time I will not have any insurance coverage. All benefits and}')fOC'<<ds of the insurance will be paid to you or to a fmancial instituuon or_8 bank if it purehases the Sales Contract to the extent of its fnlCrests and any balance will be payable to me, The initial amount of Credit Life Insurance is the amount required to repay the Total of Payments; thereafter, the insurance decreases by the amount of each monthly payment on a scheduled 30 :lay basis. If! am jointiy obligated on the Sales Contract with a Co-Buyer, and we have both signed the request for Credit Life Insurance, death benefits will be payable only with respect to the first one of us to die, Subject to exclusions. eliminations or waiting ~od stated in the Insurance poltcy or l:ertificate. Credit Accident and Health Insurance is for the benefit amount of 1/30th of each month. s payment for each day that I am totillly disabled due to an injury or sickness while J owe any payment to you; however. I understand that I have to be prevented from working due to such total disability for more than roar- _ (14) consecutive days before the insunmce benefit is paid back to the ftrst day of my total disability. I a.... know that I cannot 0_ any Inaurance from vou If I lIID over 65 yoan or ...today, and I aJso knowlhat the InslU'8llCC ...vorBlle pro.ided to me may coutaJn a maximum amount of ....e..... whlcb will not par lit some C8M6, the entire amount that I owe you. Due to the maximu1'1": amount of coverage stated in the insurance policy, J know that any unpaid amount in excess oftfte 1I15urance coverage will still have to be paid. If the Sales ContraCt is prepaid in full prior to the last J'8yment date, any unearned insllI1U1ce premiums will be rerunded to me in the man- ner prescribed by law. V,'i~in thiny (30) days,l wi~1 receive the (.~nificate of insurance more fully describing my insurance ~overage, If the insurance is not accepted by the IRsuranceoompany.l Will receive a refund of the msurance prenuums I have paid. BUYER: The next two paragDlllhs contain warranties relative to thls sale given by us to the f;;;: institution orbankm order for it to buy this contrac FOR V~~~~~~:':I::~:!:~2:: ;I~~.:~~'~n~=~:~= ~~~;~~~~drl~e:~~kY:~~:.~~D L~ RT~:~~~_~ _ (ASiI&:nee1 aU of It; ng.hlb, lJUt iI.m11Dtefl!:811tl and to the In.stAUment Salt's Con~riKt and Mortgu,ge. together With all heos existmg to s~ Its .,ayrneni. imd the propen)' enc~rW htoo{:. At,~.Ia.n<< Ii hereby 'Sub~tIt~-ted. ib Moop.see under the Mortgage pnWiSH)nS of thIS ;,,'-ontrllct. Sellcr wm-a0l8 and rerfttscnts; (1) it has ~ nght tOlluUU: ~_I>>$ iiUt.t(.I)Jfiefl-t. (..) Ail Mall;m~nt.'j;:and figuru rn this l.:OOUact and in the Buyer's s~tem~nt ~ lllttttflally true and f,:orreCL L3) Thi:- t:ontnu:t a..ru:.e fmm tbe txm4 fide sai_e ;)( th( gnOU!i arJ~ ~:rv~:e-~ tw;!ioCnbcd herein~ (4) .~ cub ,do~npa.Ymt:nt s}wlwn in !.hi:; ;':OOl!Q(.t W/;l~ a\,:tu~Uy paid t-y 8uyel aOO no part nt :\~ud Jownpayme-nt w;u IQaned dt.. f~_tl) ':)1' 1~'J'<<fty h.~' Seller Ui 8\l'f~'f. i 5) EJk:h Buyer {,} H~io\lHy {;utnpetenl to. COfltr.w;t~ 161 ThIs (onlfa\:t I~ (lot anJ ~""Ilt nut be ~ul:t}et;t (I) iill~ -= lam1. dde-n.M:, dttmand ~Jf nghl '_.~ It{f~f-. ~ }~ Tnt tllf:il..\UJQ-fl \.~t thlS \.':L>fH1~1 ~oo_fhf uftd.c-ririna_ ~a.lN tr!Ut$klKlJl Jl\ltllJJ nse 'hert:u'l-dl~ IW,.f Yil.JUttt ID1~ tl."d(f-il_J Pf ..late lav... dm'l..'tlve, rul!"ut_telulatmn O(lW 'fi dle'....'t, Jt, In ~ ~....'t:-M tn.-,- ~hn.lo:o~JK:t or the undetlYl8:& ~W tfllhW<;UOO \S subjet.1 to tl tlgm of .rucl!Utw:n or ('.Il('C'Hah011l\~ the Bu)''Cf. ~u,h rt'$('1U-lon or ct!.oo-eHa< "."1 ,,,,,,od h,,, <'I"""..l<l "<1110<< lhe ,oj. ,~" I.n,. ,.,,,,_, hMp,:.."c~l<<l or """if.k<l TIllS COlllIACT IS SOto 8Y SEllER WITllIlUT RECOURSE. 1!\< 'f!'5TiMu-o",,"f w}>-n~~.u:.{.l'. ~ W}..-k::I'ji-.tN;~!ytn ~ll~i !q~t ".'f the :';.ent't itU.l '13~ ';-4~p#~+-J ~'t') h!':haiY :,! ~f'>(' _"~fk, ,'r, ;t>,~ -,('./ :...-/ j') ,$. '" "-,1' L"