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<br />~2 -^~'.3 ~ 3 3 -~ ~ ~oDlrl~ ~~RMS
<br />PREPAYV4ENT AND ACCRL'~AI. OF THF. FINANCECHARGErEven though 1 Ao not have to paymorrthanibe regular scheduled monthly payment, ] havet}ic agM'
<br />to prepay the whole amount owing to you in full at any ti me ur in pan from timeio urste. If i}elending insituport or bank thatbuys my contract computes the finance charge
<br />dotty, ikbo~. my finance charp~e will 6e less if I make an early payment, and it will be higher if 1 pay late; I afro raogttize that any necessary adjustment to my iota? finance
<br />charge will h• reflected in my.hnal btll F also know that tfieamounts shown on the reverse side fa the 1=lnance Charge, Tota{ of ayTttenes,.and the Total Sale Price alt esti-
<br />mates bace6 on the assumption that `you willreceive eachof thcpayments exactly petits dtx-date;.and1 know that them wit{ be no refund if I prepay because theft tstitHhing
<br />to refund it 3 amcharged on a @ailyy basis-.If the lendingfnstitunon or bank doesnof compute the finance char¢edaily;:andif [prepay the whole amount. you willrefund
<br />to me.the unearned portion of ttie £nancechnrge (interest) by the accounting procedure known as the actuarial method and the amount of myy rebate will be figured on the
<br />scheJuled datzs and amounts of my-monthly payment and riot otr the actuaidates. andamouuts of theprepayments that 1 pay to you: 1 know thata refund of less than S1.40
<br />will not t+e made_ ..
<br />IMPORTANT NOTICE ABOUT WARRANTIES:
<br />(a) We as SELLER HEREBY DISCLAIM ALL WARRANTIES; EXPRESSED OR:YMPLIED; OF MERCHANTA-
<br />BiLITY AND FITNESS FOR A'PARTlCULAR PURPOSE ON ALL...GOODS I1ND SERVICES iJNLESS SELLER FUR-
<br />NISHES BUYER WITH A SEPARATE'WRITTEN LIMRED`WARRANTY OR: SERVICE CONTRAC7;AAADE BY SEL-
<br />LER ON ITS OWN. BE4IALF (WHICH, IF MADEy-ACCOMPANIES' THIS'CONTRACT).'
<br />;b11 will and should read; rode:ail,ili~eparate.''LIMI'I'EDWARRANTI"'which accompanies this convact.Itexplains the corxltioos and ~:ircumstance:: in which
<br />thcmwnvtaetttrttiproductsw~ilfberepairedprreplacedItakenoticeofihelimitationsonthewamanty:and9patticularlvrecognizethatanyimpliadwarrantvwhichapplies
<br />to the goods lasts linty aslongac ilia warranty or service contract.
<br />SPECIAL-ORDER:GOODS:a krww that you have measured-mv houseand its openings so thatyou can makethe products to ftt my particular horse. I take ootice chat the
<br />goods that are manufacaurtd fur my specific house probably wdl not fit any otherhouses, and under such conditions, E know that I cannot can tJ this cnnvacr nt any time
<br />afterthe'penrd oftimegiven to me,:by law,in which to canoe: Aftertha[aegal periodoftime: iknow thatIhavethe obligationao pay youfdfuh theamountowed.
<br />OBLIGATIONS PERTAININGTO MY-REAL ESTATE:I::Iprnmise to keep myhouseingood repair andtokeep it insured for at ]cast BOr%.: of its replacement value
<br />by buyingafireand extended coverage tnsurance policy,The insurance company must be approvedby you,andthz p~ilicy musthaveastandard wst decd bencficiarv clause
<br />which says that you'are to be id'if there is gloss. The msuraneacompany mustagree that it will rot cancel i4y polio ~ without f rst telling you. t authnn>ethe insurance '
<br />company;to pay you directly foccany loss. Ypu can choose",louse this insptantx;. payment [o either repay any.amount 1 mve you cr to repair myhouse. '_- I alw promise t}rat
<br />]will notaltow anyone else to place any lienti on m}'real estatewittiout your written permtssion,3: Ipromise to pa}alitlxzs, assessments and other charges on my real esurte
<br />whendue: 4. i promise to eimelymake.ali payments on my~ prior loans secured'.by myreal estate:lalso pro t i,e that [will not eatend, renew or change prior loans without
<br />your written pemrissior.. 5. if Ydo not insure my'hr~ase or fulfill my otheEobligationsto my real estate then v nu can do it far me tt you wan[ (but you do not have [ol. if you.
<br />do pay any of these obligations for me, I agree (o pay you'back oa demand plus interest at an annual race three xrcentage pn"nr; 3?~l erexter than the annual penentage
<br />rate shown oo thereverse side. Umillpavvobback,these amounts wiltbe addedaomy debt to youwhich is secured by my rral ccrate and house.lknow that if you decide
<br />tobuyinsurance#ormetha[youdonothavctoob!ainanyhomeownerorliabilityinsurnnce
<br />SALE OF AIY HOUSE:lpromtse rwtto sell, lea roive my houseto anyone untiU have fullyrepaid my dcotmyou,or.untiil obtain your wri [tan pennissiun. [fl would
<br />submi[to pousameoneio take overt}atsepntrac:.t 'reuthatyou may review theicqualifications.Ir you approve them,•;ou can charge measervice fee for changingrecords.
<br />Yoacan also increase the interest rase en this contrr tt.y os much as the law allOyvs;rf}'nu do; yoti a¢rec noiroholdn e-esponsible for [hi.~debt.
<br />DEFAULT:] willbe in default under thrs cenvaa if: -
<br />1 I don'! make a pac'men[ when due; or '.
<br />_ I break any promise 1 made to you in this Contract' or.
<br />_. Sorrything else happens which causesyou to believers goodfaith that] do notiptend [o pay you aspromised; or
<br />d. Idefnulton any obligationsforwhichlam using my home ascollaterai; of
<br />:. Something happens to mvhcuse which.[hreatens yourrights, ifany;iail
<br />[F I AM Iti DEFAILT: M}-house and real zstatecan be sold by you topay my deb[ [o voaBefore my house issold; you will do everything that the law requires. Anvooe
<br />:,an pun he my horse and real estatz at the sate, rncluding.you, and, you can-give the purchasers Trustee's D'eea without ^m~ warr ntizs H >.vever, you a rea that you
<br />N--ill not ;ell n -house s7d rea! estate ' I payalkoverdue paymentcand correct any default befost the sale..Or, wv have the right to ,ue m • and tbreclose .hip contract as
<br />if it was a mortgage. if you hire an aztomeytdasstsi youto sell myhouse, oq-tosuesne, tx,.to prdtect yourrigAts, 1 agree..to pay you for your r,.awnablt attorneys' fees.
<br />: and for aherrelated expenses such as court a>sts.titlcsearches and moneyyou expended to ptotcct my house.
<br />OTHER RIGHTS: Wccan choose not to enforce any of the rights uuder this contract as oaten as we want without losing rlxm. Or, we wn delay enforcing any of tht rights
<br />without 3esing them. lVc can aso useaay rights now ortntliefmun; giveat~usby law.
<br />DELAYS: I know that you will use yourbestefforts to insta0 the products t ampurcfiastrs n my house, but t also understand that ir. some situntioos you mayencoumer
<br />delay hhat are -,used 6y strikes, wra.hcr conditons, de}ayc you have in obtaining mate-isles or for other reason: that are txvnnd your ~cn[rol. [ understandthat you will
<br />not be liable for such dela~s-
<br />ARB-TRATiON: If ] have a dispute or claim wtih you concemrng thcquanuty. quality or per,Portnattce r,i the products. ] understand that my dispute may be submitted to
<br />and ~euled ac'oru'ing to the mediateon-arbitration program that Wray have developed inmy coirimimi[~ r by the Lxal Aener 9usmess $ureau. I also know thatany 3ecision
<br />made by an arbitraturfs)would be entereA'ibthecoutt havingjunsdtctionover me acid you.
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<br />SALVAGE VALUE: 1 k. ow thy: the •+~ndow"s, woodwork; and rahermatcriars[hat haveio be rem ~"ed by .~ _., t r tt -s mstallminn hay-eNU salvagevaiue: When you rr-
<br />move them,you cut have thcmforHhatzverputpose you-wan4 ~ :;. -
<br />SPECIALSITliATIONS:Duero the uroque>kss of some ofthe products thatyo,. szil,Ianderstand thatin apcci;il siumtions that your Regional Office may have to review
<br />and accept this conract. f also understood that this sale oecmredan my home and mat you and i may not have had all the con ce[ information importan HO this RansaCri on
<br />at our fln~enrpslgiveyou my consentto correct any Obvious errors that may ha~eu:carzed w`neu the blanks in this c~,ntrau were completetl.
<br />IH V ALID PROVlSiO~B: It,anyy,provisioo of this contract violatestht taw and is unenforceable, ttr_ rea of the -onttact vr,ll be valid. if any pan o6this convaet reyuiros
<br />payme nt of more i merest than ilre law. pennits,ihen you will only hxce the right [n col let'[ from me [he am~autt of intere}t which the law.allows youto Collect.
<br />COMPLETENES'S OF THISCONTRACT: I cannot revoke the taus+. that 1 have emoted by this cm,ract-This. contract can only be changed if bothynu and me agree in
<br />writing..
<br />The tmlo ~ing notice ~ri~ggss"to my attention the rights that] have even when thisc>lvactasold toahnancialinstitution orabank,andlshowdnotive~thattheintpor-
<br />lanceofthis provision rs stressed tipitsappearancc to ton pomt, bold#aceiypr:
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