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<br />84<-! 008181
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<br />ADDITIONAL TERMS
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<br />PREPAYMENT AND ACCRUAL OF TIm FINANCE CHARGE: Even though I do DOl have to pay more than the regular schedulecllll!>nthly payment,lhave.l/Ie
<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 COIltrIIct eompuIeIlbef1llllllCe
<br />charge daily, I know my finance charge will be le.. if I make an early payment, and il will be bigher iHpay late; I also nocogmze.' that anI necessary. r Ild~. my. . total. .
<br />finance charge will be reflecUld in my final bill; I also know Ibal the amounl5 shown 011 the re..... side for the Finance Cbarge, ToIaI of Payments; aJIlftheT!llaISaIePriQe
<br />are estimates baoed on the .....mplion that you will receive eacb of the JlllY.tII<nl5 exactly on ita due date; and I know that IberewiU be ootefwicIifJ prepaybo:aulelbere
<br />is nothing to rrlund ifl am charged on a daily basis, If the lending insl1tution or bank doenot compIlIe the finance charge daily, and if I prepaylbewbollr. !IIIlOIIlIt. YOU., .
<br />will refund to me the unearned portion of the finance cbarge (inleml) by the accowning Pl'OCeCIure lmowIi lIS the actuarial melbod;andttiellDlOUllt ofm,-ldllIIe'wiIIbe
<br />figured on the scheduled date. and amoullla of my monlhly payment 8nd DOl on the ~ daIeo and amounta of the prepayments that l.paylltyOll. lbOWtbIl.nIfuad
<br />on... than SI,OOwill nol be made.
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<br />IMPORTANT NOTICE ABOUT WARRANTIES: .
<br />(a) We.. SELLER HEREBY DISCLAIM ALL.WARRANTI.. ES, EX.PRESSE. D. OR. .IMPU.ED tOF..,....~. ._....... ._..-".'4>."."
<br />BIU1'Y AND FITNESS FOR A PARTICULAR PURPOSE ON ALL GOODS AND SERVICES UNCESSSEUER5;mm '
<br />N!SHES BUYER WITH A SEPARATE WRITTEN UMlTED WARRANTY OR SERVICECONTRACTMME:1IY'S.,'
<br />LER ON ITS OWN BEHALF (WHICH, IF MADE, ACCOMPANIES THIS CONTRACT). '. .. .
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<br />(o)! ~ver~4d.lli~a. ui..~ ~ "Lir-..-iITEDW~&~;;....o;A~T{" wh~::n.~"}>iW-~tW..sCGiittact.-ltc~a4"l:3:=~~!!!d~~~~.~~~,~~,,,,c:.,
<br />ntacIared produclSwiU be repaired or replaced. I take notice of the limitations on the warranty ,andl particulariy ,-gn!zej/!lliIUiY iIilpliiil Wiiiiifil.j1:wbicil;appliIiI~'7"
<br />goods lasts only as long as the warranty or serviceconttact, . ~
<br />SPECJAL.OllDl!R GOODS: I know that you have II1e8SIlM my house and ilS openings so that you can make the products to fi~ my partiOuI&r~;t....~lIiIttiio;; :'
<br />goods tha~ are manufactured for my specific house probaI>Iy will nOl fit any otberbouJes, and onder such conditioils,l know. that I CIllIIOt'-'lbii~.atllll)i,.;.
<br />after the period of time given to me, by law, in which to cancel. After Ibal legal period oftiJne.llcnowthatJ have lbeobligation 1ItP"Yrm1in fllII thellllllllll1l~i";;..
<br />OBLIGATIONS PERTAINING TO MY REAL ESTATE: 1. I promise to keep my bouse in good repair and to keep it in51ll'fld foI'at/eut~ofilif' .,
<br />\,y buying a fire.aOOex"nded cov....... insurance policy, The insurance co~ mustbe "I'P""""!.by Y<!'!,aOO_the !,,?!!cyl1llllt!Ja'!.~
<br />you a.."'e, to be pa.1d It tr.crv is a loss. 11ie imU1liUi:i: wiIJj1iiiiY must agree Win it Wiil trot cancea my pong Wnnout nm tC,UlDg'yin1.1.~,~_
<br />you directly for any loss. You can cbooseto use this illSurancepaymenl 10 eilber repay any amounl5 I owe you or 10 repair my bousc;2. lallIOpRlIliiN
<br />anrone else 10 place any liens on my real....... without your writlCll pcrmis$ion, 3, r promise 10 ~ay all 1aXca, ......mentaand otberchwges.OIlmyreal~; ,
<br />4. , promise 10 timely make all paymenm on my prior loans seemed by my reaI..laIC. r also prorwse that Iwill nOl extond,renew orchallgcpriOl' IotiIa . . .' .... ."
<br />permission. 5, If! do not insure my house or fulfill my other obligatiollSto my realesw . .""~ you can do it for me if you want (but you do not have to), Il'you.cpay;~
<br />of these obligations for me. I agn:e to pay you back on demand plus interes..t the hi"".,,, '''''''"' ."",tract rak of "'teres!. Until I pay you back,tbcocamotUllawill bC 1ddIOit, '"
<br />to my debt 10 you which is secured by my real...... Bod boose I know that ;f yo~; . ,.,. ", buy Jr'1Ulllltt fo, "'" l.hat you do not have toobtain.any home:owuerorliabillty.
<br />Insurance.
<br />SALE OF MY HOUSE: I promise not to seIi, ieaseor give my house to anyone until I have fully repaidmy debt to you,
<br />DEFAULT: I will be in defaullunderlbisconU'llCtif:
<br />l. I don't make a pay"",nt wben due; or
<br />2. I break any promise I made to you In this contraCt; or
<br />~ Sorr-tetbiug elK- happens which causes you w believe in good faith that j do not intend to pay you as promised; or
<br />4, I defaultOll any obligations for which I am using my home as coU.....a1; or
<br />5, Sometbing happens ~o my house which threarens your righta, if any, in it.
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<br />II' I AM IN DEFAULT: I undentand that you have the right to foreclose the Mortgage I have given 10 you and bave my house sold 10 repay ...y atllouQldmyouifl
<br />am in default under this contrllct, Befote my house is sold. you will do everything thaI the law requires, If you hire an attorney 10.... ist you to sell mylloule>. ct. ....\0;. SlHl.
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<br />or, to proteCt your n$!>t>, I agree 10 pay you tor your reason.ble attorney.' fees and for oth!:r ",late<l.xpcnses sucb .. cowt COSbi, tide ll<OI'cbcs and. money. )'Ql!~., ..... "
<br />to proteet my bouse, tf you are allowed to collect such Ilt1lOW1ts by law.
<br />OTIJER RIGHTS: We can ctloose not to enforce any of the rights under this contract as often as we want wi!bOllllosingthem. 01:, we can dcIay ~ aD)'wlbt>ll8bU"
<br />wilhout losing them. 'We can iilso use""-y ri~'1t3 now or i:~ ~heftJtu..""e give.,., to us by law
<br />DELAYS: I kilOW that you will use your best efforts to install the produClS I am purcbasina On my hoUlle, bul I elso undentand that in lOIIle allUaliolllyou may~"
<br />delays that"", C!l.used by strike., weather conditions, delays you have In obtaining materials, or fot other reasonslbat are beyond your control. I UIIdenWld that you wIU
<br />IlOI be liable fot such delays.
<br />ARBITRA nON: If I have a dispute or cwmwith you concerning the quantiI)', quality or pcrfonna.'ICe of the products, I undctstand that my dilJlUtc may be 1lIlmtltlIoI1II
<br />and seltled ar..'COIliintI to the medialion.amunll1oo progIBlll that may have developed in my community. I also Icnow that any decision made by an lrllittltoJ(a) wouId~.
<br />tered in the-cow1 havmg jurisdiction over me and you <
<br />SALVAGE VALUE: I know thaI tile window., woodwork, and other materials that have 10 be removed by you for this inatellation havolD Nlvap Vliu., Wben YIllI re-
<br />move them. you can have them for whatever purpoge- you want.
<br />SPECIAL SITUATIONS: Due 10 the uniqueness of some oithe prod~..' ~. '!..~. 1"1. understand thaI in spccialaituati._ thalr"!"'RegionIlOfllc:emaybaYelllrevlew.. .'
<br />and accept this contract. I also understand that ibIS sale occurred '" my hq' you and I may not have bad all the comet ioformation irnportallt to thJa ~
<br />at our fingertips; I give you my consenl to correct any obvious errors Ibal may bave occurred when the blanks in this contractw_eomplotcd,
<br />INV ALW PROVISIONS: If any provision of this conlnlCt viol_ the law and is unenforceable. the rest of the contTICt will be valid, If my part W thJa eontZIIct~
<br />payment of more interest than the law permll$. then you will only have the right '0 collecl from me the _olin_ whi<:h tbelawalIowa youlOcoIIect.
<br />COMPLETENESSOFTBIS<:oN'I'RACT:Tbj""nnlr""~can onl1becbanpdifllath,.,..ud I'agrec inwritiog,
<br />The following notice brings 10 my aueOlionthe npta that I bave even wben Ibis contract is sold to a financial iu.titution or a bank, and I 8bouId notice that the impor.
<br />tlUlCe of Ibis prav;....... stre>SOd by lIS appearance tn ten poin,. bold face type:
<br />NOTICE
<br />This credit contract f1nancet1 . purchase. All legal rights which the Buyer hu "ltSt the ...Ier......ng
<br />out of. this transactlon, Including .U clalrM .rn! d49fen!!M, an! aleo va!!~ _~!nst eny holder of ttII:co.~-=t.
<br />Tha right to recover money from the holder under thll provl..on II IIml_ to the amount paid by the buyer
<br />under this contract.
<br />A claim Is a leg..ly valid reason for lulng the Saller. A daten.. II . legally valid renon for not Plying
<br />the Saller. A holder II anyone trying to collect for the purcha...
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<br />INSURANCE CA.'iCELLA nON: If I have noquested inSIll'llllCe in this purcbaoe, I may cancel such request for illSuronee for any .....on witbin fifteen (15l dIyt from the
<br />dalC of this COllIr.lCI by notifying Y"'" or the holder o.f this COlItroct iu wnting. ." I know that the. cancellation of my coverage ",ill be ilml&cd with Ibe iIIIur_ c&irler(a) ancI
<br />a full tefwicI of my \nmium(.) tOgethet with applicable finance cbarge will lie credited 10 this centrlct,
<br />PLEASE NOTE: If! have requested illSurSl>ee in this Purchase,. I wll! receive within Ibirty (30) days. certificate of msurance more fully describing the inaurancc coveraa. e,
<br />I kJ'totA1 that if then: is an'i l."'Q~niCllD the i;;o....erage or the lan~ of the certificate of msuJ1UlCe -and the followmg Notice of ~ ImuraJlCO that 1 till oovered ooJy to
<br />the ex"nt staled in tile roilowmg Nonce of Proposed Insurance. I also Icnow that I have lDSuranee coverage only if I have been cbarged for il. .' a
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<br />NOTICE OF PROPOSED INSURANCE 84.......... 0081. 8
<br />I UIke notice that eitItc< Credil Life or Credil Accident and Health Insurance, or both, will be applicable to this Sale. Colltrlcl on the reverae aide onI~ itI have chosen
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<br />mooll>l, pa,OlClIla. 1. understand that this particWar insurance. may not provide coverage for my last few I"'ymenm, and that during thaI period of Iinlc I will not have any
<br />i~ coveraae. All benefilli and proceeds of the .insurance will be tlIIid to rou or 10 a fUWICw institunon ora bank ifit purcb..... the Sales ConInlCIIO the extent of ita
<br />in_ and any balaoc>: will be payable, to me. The tnitial amount of Credit Ufe Insurance is the amounl required to repay the Total of Paymcnll; tbereaIIer, the insurance
<br />dtcteaocIbj' Ibe .........mofec inOntb/y paytne!llon a liChedulecl30day basis, If I am jointly obligated on the Sale. Contracl with. Cn-Buycr, and we have both .ipcd
<br />!be l'OIfI'I'I' ror Credit ute Insuraoce,deatb benefllJi will be payable only wilb _110 the firSt one of us to die. Subject '" exclusions, eliminations or waitina period Slaled
<br />In the -.:e poJi<:y or ccrtiftcalC, Credil Accid<mtand Health iDsurance i. for the benefil amount of li30tb or each month.. paYlll..nt for each day that I am tOtiUly ditablcd
<br />~ 10 ....njury or ~ while I owe any payment to you; huwe_, I uodentand that I have to be oreventC<i from w<>ti;ins due to ouch total disability for more than four.
<br />lOOn (14) <_utl... days befoR the _ benefit '" paid back 10 the fir.t day of my total di..&l.lI1)'. 1 aJso ........ _1_ obtain &IIY -.....- fn>m ,....11 I
<br />--~""''''''l8l\a1i''''I.............tbId the ~""...............lded 1o_IIMYCOlIWlta........ _ ot _.........1ddI w/IIllOIJI'IY 111_
<br />~-~ . _ . . .tI.oo!. _ _~ Doe ",tbe~mum_of c........1I1iled in the inSUl'lIMe policy, I know that any unpaid_at in ..xcatof the inJ_
<br />~ wi,\!!'lill have 1l>}>I ,pai<l,. If tbt Sales C_I.. ~d ,n fWl prief to, uiO IMll'llyment dale, allY .1inoamcd,insurance pRlIIiums will be refuode<\ 10 me in the mal>-
<br />-1ftI';ribcd by law. Wtthin thirty (,10) days. I w,ll "'"",..... the <titlf",alC of lnouranc. e _ fully describing my tn,uran"" OOY..",.. If the ...."ralIC" ..lIOI aeccpIcd by
<br />tbe~"""'l*'l',I will-'Y1larel\illdofthe~~""",1 ha...paid,
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<br />IlllY.U: Tbc_~ttwO ~ ___ WIiIT...tii.. nolati", \0 INs" Jiven by US to the fUlaDClal inititlllion or "-nit in order for it 10 buytbis __,
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<br />1.'.(.;I<.V.~~~::.;I~::=. .8~~~~. =~.L..~I.>>lD~~th~~~~(Cha-,
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<br />(^~,"I of ""~. 1IIIe.acx\ .- III lIDll II> tile lMtI!Il_.~ C~ oW Mortll"f;e, tollelll<<..ith allltens uilillni to """un it> ' I, and the properI)
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