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<br />>~, i,I4,~ 00564.8
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<br />ADDmONAL TERMS
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<br />PREPAYMENT AND ACCRUAL OF THE FNANCE CHARGE: Even though I do not have to pay more than the regular scheduled monthly payment;' I have the
<br />right to prepay the whole amount owing to you in fun at any time or in part from time to time. If the lending institution or bank that buys my contract compu, tes the finance
<br />charge daily, I know my finance charge will be less ir I make an early payment, and it will be higher if I pay late; I also recognize that any necessary adjustment to my total
<br />finance charge will be rel1ected in my fmal bill; I also know that the amounts shown on the reverse side for the Finance Charge, Total of Payments, and the Tolal SaJe Price
<br />are estimates based on the assumption that J:'ou will receive each or the l'a)'ffients exactly on its due date; and I know that there ,will be ~ refund if I prepay becauae there
<br />is nothing to refund .f I am charged on a dady bas.s, If the lendlOg mstttutton or bank does _ compute the finan<:e charge daily, and :~ I prepay the whole amount, you
<br />will refund to me the unearned portion of the fmance charge (interest) by the accounting procedure known as the actuarial method; and the amount of myrebalewiJI be
<br />figured on the scheduled dates and amounts of my monthly payment and not on the actWil dates and amOllnts of the prepayments that I pay to you, IIatOw thatamimd
<br />o{less than $1,00 will not be made,
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<br />, IMPORTANT NOnCE ABOUT WAARANnES:
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<br />(a) W. as SELLER HEREBY DISCLAIM ALL WARRANnES, EXPRESSED OR IMPUeD, OF MERCHANTAo
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<br />BIUTV AND FITNESS FOR A PARnCULAR PURPOSE ON ALL GOODS AND SERVICES U.NLESS SEIJoERFU....
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<br />NISHES BUYER WITH A SEPARATE WRmEN UMITED WARRANTY OR SERVICE CONTRACT MADE8Y SEL-
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<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 "LIMITED W ARRAN'J'Y" which, accompanies this contracUt explains the conditions IlIIdcircu_1ll Wbicb the_
<br />ufactured products will be repaired or replaced, I take notice of the limitations on the warranty, and I particularly recognize that any iti1pIiedwammty'Nbicluppllea to the
<br />goods lasts only as long as the warranty ofseI"\ice contract. >
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<br />SPECIAL-ORDER GOODS: I know that you have measured my house and its openings so that YOll can make the products 10 fit my pllIticularbouae, Ituuolice thatt&
<br />goods that are manofactured for my specifIC house probably will no! fit any other houses, and under such conditions, I kJlowthaH ClIItIlO\ c:uce! this ~at IIIl' time
<br />after the period of time given to me, by law, in which to cancel. After that legal perind of time, I know thatl havetheobligatiun topayjoulllfuIlt&_owed.
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<br />OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. I promise to keep my house in good repair and to keep itinsunod for at leutmofitsMJl~vaIue
<br />by buying a fire and extended coverage insurance pulicy, The insurance company must be approved by you, and the policy IlltISt havecabeMficlary cialaciwhiCltlaylthat
<br />you are to be paid if there is a loss, The insurance company must agree that it will no! cancel my policy without ftrst telling you, I aulborize the insura1IceCOlDpaBytopaJ
<br />you directly for any loss, You can choose to use this insurance payment to either repay any amounts I owe YOll or to repair my bouae, 2, I also promiaethat I wilI,nill.uo..
<br />anyone else to place any liens on my real estate without your written permission, 3, r promise to pay all taxes, assessments and other cllatps on my tUI ellUeiwbeluille,
<br />4, I promise to timely make all payments on my prior loans secured by my real estate, I also promise that I will not extend, renew or change prior loaas without Y(lUI'wriaml
<br />permission, 5, Ir I do not insure my house or fulftll 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,dopay8l1)'
<br />of these obligations ror me. I agree to pay you back on demand plus interest at the highest lawful contract rate of interest, Until I pay you back, lbe8e IUDOUIlts wiJI be IddeiI
<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 have to oblain any homeowner or liability
<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 fully repaid my debt to YOll,
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<br />DEFAULT:! wi!! De !.!ld~f!!u1tu..T!dert.hjs('ontrnct if-
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<br />1. I doo't make a paymenr when due; or
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<br />") I break any promise I made to you in iliis contract; t'lf
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<br />3. Something eise 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 house which threatens your rights , if any, 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 hOllse sold to repay any ID10UIItI I owe you if I
<br />am in default under this contract. Before my house is sold, you will do eve!Jthing that the law requires, If you hire ,an attorney to ~t you l<!SelIlD)'bouae, .cr,. to~~
<br />or, to protect your n~ts. I agree to pay you for your reasonable attorneys lees and tor other relatOOexpenses sucn as COUlt COSIS, tttle sean:tIOW lIJIQ -Y1W ~
<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 oftbe rights under this contract as often as we want without losing them, Or, we Can delay enforoitl& uy oftheriahla
<br />without losing them. We can also use any rights now or in the future given to us by law.
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<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 some situations you may_
<br />delays that are caused by strikes, weather conditions, delays you have in obtaining materilils, or for other reasons that are beyond)'OUI' control. I undeI'Ilmld tbatyou wiJI
<br />not be liable for such delays.
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<br />ARB1TRA TION: 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 submitled to
<br />and seuled accordin~ to the mediation-arbitration program that may have developed in my community, I also know that any docision made by an itbitralU(s) would be III.
<br />tered in the court havmgjurisdictIon over me and yoo.
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<br />SALVAGE VALVE: I know that the windows. woodwork, and other materials that have to be removed by you for this installation have NO sa]VIIp value, When you RIo
<br />move them, you can have them ior whateverpuIpOSe you want.
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<br />SPECIAL SITUATIONS: Due to 1M uniqueness of some of the products that you sell. I understand that in special situations that your Regional Office may baWl lnreview
<br />and accept this contract. 1 also understand that this sale occurred m my ho~ and_:that you ~ I may not have had aU the correct information important to this tranACtion
<br />at uurfmgertips; I gh1e you my consent to correct any obvious errors that may have 60ciuTedwtien the blanks in this contract were completed.
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<br />INV ADD 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 _ rcqulret
<br />payment of more interest than the law permits, then YOll will only have the right to collect from me the amount of interest which the law allows you to coIIec:t.
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<br />COMPLETENESS OF TInS COllo"TRACf: This contract can only be changed if both you and I agree in writing,
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<br />The fonowi~g notice brings to my att~ntion the rights that I have even when this contract is sold to a financial instituQon or a bank. and] should notice that the imp0r-
<br />tance of this proviSion is str'Cssed by its appearance in ten point, bold face t\o-pe:
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<br />. NOTICE ~4 - 005648
<br />Thll credit contract flnanc:ea a purch.... All leg.1 rights which the B'tyer haa against the Seller .rlllng
<br />out of thl. tranaactlon, Including all cl.lm. and defen.... are .1.0 v.lld .g.ln.t any holder of thl. contnICt,
<br />The right to recover mon.y from the holder und.r thl. provl.lon Is limited to the .mount paid by the buyer
<br />und.r this contract.
<br />A cl.lm II a leg.lly valid ra.son for suing the Seller. A d.fen.. I. . leg.lly valid ruaon for not paying
<br />the Sell.r. A holder Is .nyon. trying to collect for the purch....
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<br />INStJ"RANCE CANCELLA nON: If! have requested insurance in this purchase, I may cancel such request ror insurance for any reason within fifteen (15) days from the
<br />date of this contract by notifying you or the holder or this contract in writing, I know that the canceilation of my coverage will be ammged with the in.urance carrier(s) and
<br />a full refund of my premium(s) together with applicable finance charge will be credited to this contract.
<br />PLEASE NOTE: If I haye requested insurance in this purchase, I will receive within thirty (30) days a certificate of insurance more fully describing the insurance coverage,
<br />I know that if there is any conflict in the coverage or the language of the certificate of insurance and the foHowing Notice of mposed Insurance that I am coveRd only to
<br />the extent stated in the following Notice of Proposed Insurance. I also know that I have insurance coverage only if I have been charged for it.
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<br />NOTICE OF PROPOSED INSURANCE
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<br />I take notice that either Credit Life or Credit Accident and Health lnsurance~ or both. will be applicable to this Sales Contract on the reverse side onlv if I have chosen
<br />it by si@:ning the request for such insurance. This insuran~e will only cover the ~rson signing the request at the cost for each tvpe of insurance shown. Subject to acceptance
<br />by the Insurance company, the insurance will be effecuve as of today and :wIll continue only for the number of months after the effective date equal to the number of
<br />monthly payments. I understand that this particuJar msurance may not proV1de coverage for my last few J?ayments. and that during that period of time I will not have any
<br />insurance coverage. All benefits and proceeds of the insurance will be paid to "ou or to a financial instituuon or a bank if it purchases the Sales Contract to the extent of its
<br />interests 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
<br />decreases bl the amount of each monthly payment on a scheduled ~O day basls. If I am ~ointlY Obligated on the Sales Contract with a Co-Buyer. and we have both signed
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<br />~~;~~~~~~~ti~;~~ec~~fi~~'~:ed~ ~:c~~~~~~~ ~~:&h~~~~~~c~ii~/;s~~~eti~ ~~~~:offl~3h~d~~'.e~~~~~~ilit?:~~;~~:t' ;~:~~~h~~~Stb~t~~~~~~I~d1~~~
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<br />due to an injury or sickness while I owe any payment to you; however, I understand that I have to be prevented from working due to such [otaJ disability for more than four-
<br />teen (14) consecutive days before the insurance benefit is paid back to the ftn>t day of my total disability. I also know that I cannot obtain IUIY insurance from vou if I
<br />am over 6S years ofage today, and I also know that the ,insurance coverage provided to me ~ay contain a,maximum amount of ~vrrage whicb will not pal' in some
<br />cues, tbe enUre amount that ~ owe you. Due to the m~xlmum Ilmount of.coverage stated in the Insurance pohcy, I know that any u~patd a~ount in excess ofth~ insurance
<br />coverage will still have to be pard. If the Sales Contract IS prep81d in full pnorto the last rayment date, any uneamedinsurance premiums Will ~ refunded to me In the man-
<br />ner prescribed by law. Within thirty (30) days, I wi~1 receive the ce:rtiticate of insurance more fully describing my Insurance coverage, If the msunmce IS not accepted by
<br />the tDsurance company, I will receive a refund ofthc Insurance premlums I have paid,
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<br />BUYER: The next two paragraphs contah") warranties relative, to this sale given by us to the fmanclal institution or bank m order for it to buy this contract.
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<br />SELLER'S WARRANTIES AND ASSIGNMENT OF INSTALLME~~LIf~ CO~rt'~ ~,~D, MO~:?~~~, " _'"
<br />FOR VALUE RECEIVED, Seller hereby sells, !l.S1>lgns. conveys. iranster~ and dehvers to :' ',' '-' 71 1, ...-Co(
<br />(As:loignee) aH of its nghts, title and interest H~ and to the Installment Sal~s Contract uIld Mort~ag(', toge-Uler With ,ullllen.'i eXJsting to secure It! . aymC'ul. dud the propen)-'
<br />encum~red herebv. As....'gnee IS hereby ~ubshtlJted as Mortgagee under the Mortgage- provHiiOns [If !Ills c<>nW-dC!, S~Uer warrant,; <ioll repre~-t"nts, l 11 ,It hiJ~ the nght !o make'
<br />,his itS\tgonlf:ot; (2) All Matement.!t and Hgures In (hIS <.:ontrllt;I and In the Buye(li slatemel1t are Iluw:nal}y u"Ue a.nd ((ln~cl; f 1) nus \'o~tral:t dto~e trom the bI..'n~ ftde
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<br />,..t the ~ond5 am.! ~ervKe~ de'iCribed herew; IA) TIle t:a.~h Jownpa)'ment shown m dm ('ontrl!l'l was ~..:[UttJ1y paid b) Buver and no P"il"t d :-iud downpaymt'n! was li)dOed Ul.
<br />r~_,:lh' or ;m.lire,,-'lh h':f SeHer h! fluyt:'r',; -' J Each Buyer 1,<; iegally competenl!O contract. 1,61 Ttlts ('llJl!t,Kl. t', nolfwd \VIii NIl h~ ,'.ut.WC( f., ;lfl\- ~ i.<llfl\.
<br /> Jde-n<;I,"-, ,lcrnand c'r fight
<br />": I;(f"~\: ! 7 \ rh~ f"U':~ uuon t>t ttllJ\ (onlraJ.:t tmd rh(': underiYlllg ,'1-alel!- trlJn3/il,.'UOfl jo:lvm~ n~ fheret.o dl~ m~t \'l"l:-Ht: Mn It'tk"1~1 or <..lil!e" j;.l\~i. '<Jl!t',
<br /> t!' ~. :uk pr reguJlit!lHI n..?w
<br />;0 died, t ~J in fhe t'\'CnI :hat dllYo o.utra<:t or fhe I.md:et'l}'mg ~~~ tran$.a<.~fl(}O IS ~UhJC't:l b? ii. ngf1t of ft'-OjLiS..JOl1 pr (<lIK('n<J~;'lfl h" !he '-'lu..'!::!. HKh re~L""''''ion
<br /> I)r t itllceila-
<br />:;.',), !>("tl;",j ha"eJlfllf-e.j illJoj (\(;!lhe-r I,he "'life nor !tH~ (.~mtrlt<..:t tuu~n'..:IIf)(;-elieu U( r~~CllldN THIS CONTRACT IS SOLO 8Y SElLER WITHOUT RECOURSE,
<br />l"i n.;"dl~\iHl'Y \\-Ht<~HH-" Ittlf l)t..d.(:t\I&!11~,j1r" r;h"~'l...-;,~If.'~llr:~(;g, i h{" '-,t-i!n _1.1'.: "flll~~~ ''t'
<br />(<,!'r 'c1 --" t",""___ j :~! ()
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