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<br /> . �� .<� ma at trte Ume 1sf�iGis Contracf.6ry e�tustre d�ta and cemeGles ur�der t�e,�astanip strall Oedn fien ot atf otAer dgp�ar�emeNes,at lan or In epalt�.aIl2re aermlt�e0 _ � • .
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<br /> . . •'`. fi Atl�td'.9llFAC1UBED Y�If1008 PHODUCIS IItE HQI GOARANIEED lI6AIHSi COHOQiSdiIOB�FEOlSNRE FORHAIIQN OH F905!PBO�UCiS 1&E k0T 6UARAHTFED A6AINSf f�1ttROS10A OUE •. c' '�` �.. .�:
<br /> - , _ _.. �, , m env�cu�nnc co�amaxs. . .
<br /> --, i so�s,�an n�s�raearE°u�rm�asa�rrr°�ee�s as�eae���smExa�srnua�rvmraunps so�rm eairo�aeTUem eaonuers aF�Pa�ea�ar�noe ° , •�.
<br /> �.�-u:���: t ANB{7HICN"U1�IiEB�ARRAfti1"NAS B@I OELIVEkED i0 EACH RFSPECiritE BDTEE IN CUDHECTI�H IIRH 1��SAlE.1HE fORE60IN6 PR091SIONS RE6ARDIA6 COHOfBSATIOH QO NOT � .
<br /> ` � APP1Y N SIRIA6. = �=-r-_� -
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<br /> e ` �'• b FuM"f.RIB Pdcesetter Eurpotatlou m2kes HO BEPRESENTAI(ON OA WAARbli�l QF AHI�ND 03 RANBf WMA150EIfg#.EXP�fSS OR QdPilED,FtITN RESPEET TO TNf @19t61 `"a .� '
<br /> S�YI!(6S t CO1JtD OR t�AY AEHIEYE 810SE OF tNE PRU00Cfi3l.l midealand ffiat +�Aut '
<br />- ' ,:�.i r�mite0 to�trie qDe.4�9�4�1►oi iasala�on tn m�hom�tt►e parttsidaz���st�l��Aome.�B type of pqaalit�of�ctiaa af my�m�j�iRiWtar fifa ^ � :. .
<br /> < .. . ,,j sh�e.t6e nu�er ot apeaings tn�Anme,Oro�er moaltnring of t6ermoslai setUng�,climatic cond'iUons anD(acattan ot my trame,an0 eren fhe t�pe of eaeB1 cnas�e0 tar �.:�� �` . ' �.'
<br /> . �.,:; eeating ane ai�s�d'�i aNm�purposex . `. . . .
<br /> ' PREPAYMEN'1'ANDACCRUhI.OFTHE FINANCE CHARGE:Even though I do not have to pay more than the regutar stfieduted moathl
<br /> ,. :• ` Y PaYmen�I have the dght . `,Yy.
<br /> �` . to Ptepay the whole amount owing tn you in fiill at aay 6�ue or iu put fmm ume to time_i uadezstand�hat�he finance charge(interest)is oomputed daily.I&nowmy .
<br /> ' fiAance eLarge will Ee tess if I matce an eazlypaymcnt,and it w71 be hi�er if 1pay l�aoe:I also�ecognize tdat any necessary adJ�trnent ro my tota}ifaanCB�mi�ge will �
<br /> • ' 6e ceflected in my final bill•!also know Wat the amoun6 shown on page 2 for t6e b7naaoe Cha�ge.Total of Payrments.and the 1btal SaIe Price are estimates based an ` �"''"_?`
<br />, • • the assumpaon that you wiIi mceive each of the payments exacHy on iu due datG aad i know tLat tde�e w�71 be no cefund if I p�y because Wete is nothing w tefnnd �••-'� '
<br /> - _ when I azn charged on a daily 6asis.l kaow ihat if all cxhates,refunds and credits to wltich 1 mi�ht 6e erttitted aze less than one do lar(51.00),no iefund will 6e made.l � ��;�-,--
<br /> may vniuntarily ptepay the amovnt i owe you,in fuit or in part,at aay ame.if I make a paztial piepaymen�,l must conrinue to makemy regular payme�ana'1 I have �-
<br /> . � ' - p a i d a l l amounu aw e d.1(maw that if!p�rpay the whole amotw�you may collea or retain fmm me a mmimum charge aot g�exrer than SlO.OQ. � , . —
<br /> A':.;, SPECLU.ORDIIt GOODS:I Imow thaR you have meacuied my 6ouse and its openings so that you can make the Products to frtmy particuiaz house and that the gaods • '
<br /> pm6ably will rtot fit any oUur houses,so I know that 1 cannot cancel this rnnhact at any time afrer the periad of[ime given to me by law in which to cancel.After that ' _
<br /> tega►penod of time,!know Wat I have the ob&�on m pay you in full the amount owed.
<br /> � . . COM,'YlF.NCE1HEPiT OFTf�FINANCE CR.�IRGE:The finance chazge(inteiest)is estimated to siart within 30 days of the date of this rnntrad,except m the eveat ••_-
<br /> - . ' that you cofiplete We inswpation of tl�e gaods and secvices an naotder date.�hen tRe finance char�e(itrceresp wiU begw to run on the dare that I sign tfie Completion . ,
<br /> - � .- Cemficate.'f'6eamamtoffinaacec6arge(inumtJmny6emoieoslesstkautheamoumdixtosoddepeuGmgontheamomitslpayyouandrtrytimelinessinmakingt�a9meats. �"�
<br /> �-. ,- DEPAOLI:I an'll be in defanit under t6is coaaact if 1_i don t malce a payrnent when due:or 2.I 6reatc aay pmause I made to you ia this con�or 3.Something else . �._
<br /> � . happens whIch rauses you to 6eGeve in good faith that I do nnt intead to pay yau ag pmmised;or4.I defauit on any obligations for which I am¢tiing rtry 6ome as rnl]ateral; � �"'
<br /> � .:„, or 5 9omething happeas to my house whicA tAneateas your righu,if any.in it. � �'�i,.
<br /> . _ COLLECPION COSI'S:If I am in defauit of this wnaact and you demand fiili payment,for ceawnabie suomeys'fees and forothm�elated eapeases such as caurt costs� f °�=
<br /> ' title seanches and money yoa expertded to collect tIIe amount dae or ta Qmtect my house.if you are allowed ro collect such acnmmtc by law ' •-�•��,;_,-
<br /> _ . . ° 07'HEit RIGRTS:Yoa r�choose not w enfame arty of Ne dgtus under this connact as oRen az you want svithout losing them.Or you can delay enfoning azry of tlu , ,`�.,�.=�'
<br /> - , ' . - rights aithout Iosing them.You can also use Any rigfits now ar m the fuhue given to you by!aw ,.�
<br /> , � • DELAYS:I knoar that you arill use yaur best efforts to instali the Products I arnpurehssias on my houu,but I also understand that in some situa4oru you may encauota '` _
<br />�•u� ' � fm w�h�t�caused 6}r strikes,weather conditions,delays yoa Aave in o6tainmg ma[eriaLs,or fos oNer Rasons that are beyond yow control.I will not hotd yau llabte ' ..� ;;,-,�.,
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<br /> .. .- . ItEQDPST FOg FULL PAYMENf:if I am in default mider this conhact,you can declaze a11 that I owc under tAis contrnctQayable at orsce.I agtee w pay you inte�est ' -
<br /> ��.•1 on tbat amo�mt at the maximum conuac�tual rate allowed by law until the amount!owe you is paid.l alw Imow that you can fareclose the mortgage!have g[veh to yon. • '
<br /> � � `T ARBYPRA'170N:[f I ha�•e a dispute or claim witb you conceming the quantity,quality or perFormance of Ihe Pmducts,t understand that my dispute may be subrttitted � ' �s��
<br /> to and setticd according to the mediation-arbitration pcogram that may lu�ve developed in my commumry.l also know that any decision made by�an arbitratods)would 6e • �,'��;��
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<br /> ��:,. � , enteced in the coutt having jwisdiction over me and you. __;.;,��.
<br /> �. `' • : `. SALVAGE VALII&!know that the arindows,woodwork.siding,6ricY.and other materials that 6ave to be cemaved by you fot this iastaltation I�zve HO saivage vaiue. -S��
<br /> When you semove them,you can have them for whatever purpose you waat. , • � :'�,�
<br /> "� ' SPECIAL S1TUA7TON5:Rue to the uni ess of wm�of the Pmducts that you seU.I undemand that In special situations your[tegional Office m fiave ro rcview 'T�
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<br /> ._ ru�d a prave thls conuact.I atso understand t�hat this sale aauired'm mq home and that you and I may not have had all the comect information impottant to this uansa�tion � ��r�:—._
<br /> . . � ., at oui fingertlps:l give you ary wnsent ro canect arry obvious errors that may have occurred when the blanks in this conuact weee completed. ' , -�:�y�:
<br /> ' ' . aVYALID PROVIS[OYS:If anyp�ovision of this contract viotates the law and is unenfarceable.�he iest of the conuact will be valid.If any pan of this conaact mquues , �jj%s Y,
<br /> `�.• payment of mom intemst than the taw Qertnits,then you wi11 nnly have the rir�ht[o coltect from me the amount af inten�st which the law allows you to collect. • ,��,
<br /> , COMPLETENESS OFTHIS CAtV7'RAC7i This wntract can only be changed if botlt you and I agree in writing. � __
<br /> . „� NOTICE `� � �°
<br /> ANV HOLDER O�THIS CORlSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND OEFENSES WHICH 1'biE :��"
<br /> � • DEBTOIi COULD ASSERT AGAINST 4HE SELLER OF GOOQS OA SSRVtCES OBTAINEO PURSUANT HEFlETO Obi WITH ' �
<br /> � � ' � ` THE RROCEEDS HEHEOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT reXCEED AMOUIdTS PAID BY TFlE -
<br /> .�. f 0�8TOR HEREUNDEii. ' . ::�
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<br />- -. , INSURANCE C.1,YCELL.Yi'iON:It l have mquesced iaaurance in this purchase,l may cancel such request for insurance for any m3son within fiftecn(ISf days fmm
<br /> • �- the da[e of this contract by notifying you or[he hotder of�his contmct in wnt�nF.l know tha[the cancellation of my caverage wiit be artanged with the insurance carrieKs) . � `'
<br /> � and a full refund of my pnmmm(s)together w�th applica6lc financc thazge wAI be cred�ted to this conttact. �• ,
<br /> . • .� '� PLEASE N07'E:If 1 havet�quested insurance in this yurchase.I will re�eive within thirty(30�days n cenificete of insur�nce more futly describing ihe insumncecoverrge. ,�� ^ ' "
<br /> . :� 1 know that it the�e is any conilict in ihe covemge ot the lansuage of the eertificate of insuranee and the foUowinp Notice of Proposed Insurance that i am eovtred oniy to � , "
<br /> the extent gtated in the followin g Notice of Pto p oscd(nsurance.i atso tnow that 1 have insurance c ov e r a g e o n l y i f I h a v e b e e n c h a r g e d f o r i t.
<br />� . . . � NOT{CE OF PROPOSED INSURAHCE :
<br /> 1�ake notice that either Credit Life or Crcdit Accidenl and Health Insurance.or boU�,wiQ be applicable to this Instaltment Sales Cantract only if 1 have ehoscn it by
<br /> �� • signing the request for such insurance.'lt�is insumnce will only cover the person signins the mquest at the cat fur eacb typc of insurance shown.Subject to acceptance . •
<br /> by the msurance company,the insutance will be effec�ive as of today and will conGnue only for the'namtrer oP mnnths after the effective date equal to Ibe num"xr of
<br /> i monthly payments.l understand that this particulaz ins�uance may not pmvide co�erage tor my lut few payments,and that daring that period of time 1 wil�nol have any �
<br /> insurance cwera�e.All benefits and proceeds of the insurance wilt be pa�J to yau or to a fnancial institunon if it pucchues the Installment Sale9 Contract to the exfent •• ' '
<br /> I of its intcrests and any balance will be paynble to me.Thc initi�l am�wnt of Cmdit Life Inmranec is the amount required to repay ihe Tota!of Payments;thercafter.Ne • •
<br /> , d insur,utce dccmases hy the amount of�each monthly payment on u scheduled 30 day basis.ti 1 am'ointly obligated on the Inst�llment Sales Contract wuh u Co-Buyer,and �
<br /> f _ wc have both signed thc request fur Credit Li'e Insuran:e.death benefits will bc payablc onty wit�reepect to the fint onc of us to dic.Subjec!to ezciusionv,e]imtnatlon5 " •
<br /> • � ar waiting period stated in the insuranre policy or certificate.Cndit Accident;u�d Nealth lnsurrnce ic for the 6enefit amount oP 1�30th of cach month's payment for eacA
<br /> ._ � Qay that I iun lotalty disablcd duc to an in ury or sicknea while I owc any paymcnt to you:however,I undcatand that t have to be prevcnted from workmg due to sucA • �
<br /> • . � tot�l disability for mom than fourteen f 1�►eoncecutive days hefore the intiurance benefit is Qaid back to the Gnt day of my total d�wbility.1 tilso Icnow lhat 1 eannot • '" '
<br /> obtnln eay insaruace[rom you U I am over 65 yenrs o!ege today,and t atso knmv thnt the insnrance corerage provfded to me m�y coe Wln o mnaimum umount '
<br /> • r ot coverege�rhtch�vtll not p�y In some eases.the enttre amount that I owe you.Duc to the m�timum amount ot coccrase�ta:ed in the insuronce policy.!know that ' �
<br /> . � .any unpaid amount in excess of the insurance coverage will still trave tn he pa�d.IP the Installmrnt Sales Contract is prepaid in full priar to the last payment date,any • '
<br /> I unearned inwran:e pmmiums will be refunded to me in the manner pmurihed by law.Within thirty 130)d:�ys,l will rcceive the certificate of in�urar.ec more fully descriQing �
<br /> , . � my insur�nce coticrage.If the imurance is not accepted by the insurance cumpany.1 will rceeive a rcfund of the insurance prcmiums I have paid. � ' � ''
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