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<br /> '.o : ` f UlAI1EU QABN9NI4: 6ty sate aud exctur3re remedy agaiast pau�r ynur assi�ze shalt tre limife0 to m�dghts and remed'ies undar tAe e�ress UWRED�taARAatll yon�ead tn� • . _� `• • _
<br /> .�. � � me at tte time I sign Ws Caatract tdy enlnst�e r1�ts and reme�ies anQer tes rr�arraa�tf ssalf Ee ro Geu ot all otl�zr r�g�ts oc remedies,at ian or m eaairy.etren permit�d .
<br /> � ; � bf aDGUca9te state fas. . ,
<br /> '` , t119A6lUfACIiIflEQ Yi11�OV7 PR4DOCiS ARE HOT 6UARAiiiEED&6AIHTI CONDEN5IIlOH.�EOISiUBF fOR(dATiOA OR FROSf.PRUBUCiS ARE NOT GUl3ANfEED AGA11iSf CO&ROS10H OUE . �� .
<br /> Tli Ai1VE9SF Cp�ATiC COflDii108S. �,. 4 , ,`.�.
<br /> - ` . - ! BUiER.R�AD iHE SFPARAIF'�1dtt�FtAR9SHi�°�ItICfl i5 A SFPdBATE 1YBiREH IN5lkU�t@IT PfRTN!@16 Sl3tEL1 TO BdNItfACiURED PRODlIEiS Of illE VACfSETfg!BORPOR4IIQ.9 , � •.
<br /> '` •' ` ; ppp WH(EH°UIdIT��pg(tatill"(1165 gfE11 pElIYE9ED TO EACN RESPEC@tE BUYER M CONHEE110N VPltH THIS SAIf.fitE FORF&OIN6 PRUY{StD�S Rf6ARDll16 C�NDfff,4ATI0R UO ROI . _ . ,
<br /> - — ppplY TO SIDiR6. ` - -
<br /> " ' ' �' Fusmer.i�s�aeaseti�a Go�paretlao makes HD RFPRESfHfAIIDH Oa IN�9BIHIt Of d91f�ND�NAiURE WNAiSaEYER.EIIPAESS OR 15fPitED.WifH SESPFCt t0 iilE EI�F�11 i -- _
<br /> ' ' ' � SAYIH6S!CQUlD Q8 NA1 ACAIEYE BY IJSE OF iliE PRODIICT(4l.1 u�e�taa�8�at a�energs�riags t map aaVeve is depende�t upon a a�5er ot tactors,incin�ia�h�at not , - _ <
<br /> - - .. � limited to.the UDe.4�T aad QealitY al tasWatl�o in mp hame.tEe particutar sire and st�e nt ml Gome.me t9pa ot Qualil�af consbuctlan of m�home,m�t part�►au life .
<br /> � ` stqle,the m�nCer ot openlogt in m�Aame,proQec ma�itoctn8 ot t6emos4at setUags.clim3tit eonEdinat ffitd laeafiaa ot my dome,and eien tGe ty�e of energj mns�ed far
<br />�.- , eeaung aaa air conffiuenmg pmyases . - .
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<br /> � ' � � pREpAYMEI�iTAND ACCRUAL OFTHE FIIVANCE CHARGE:Even though I do not ftave to pay rnoce thao�he ctgular scheduted monthty payment,I have the rigttt _ . •� ���``� �
<br />'� � to prepay the w6ole amount owing to you in full at aay time or iu part from dme to time.1 understand ihat the finance dtarge[iaterest)is computed daily.!{mowmy • :
<br /> a finance chasge w�ll be less if I makc an early paymerrt.and it wiU 6e iugher if I pay tate•1 atto tecognize that any necessay adjustment to my totai fi�ee cnaYge will . -
<br /> be retiuted inmy 5na1 b�7!-I elso Imow that tfie amouncc sho�vn on page 2 for tde Finanre Chmge.Total of Paymena,r�aad tl�e Tot�l Saie Arice aze estimates 6ased on ,"t r,�
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<br /> - � . � ` tbe assumpaon t 6 a t yon will teceive each of the paymems e x a c t!y on its d u e d a t e:a n d 1 k now t fi a t t here w i l l 6 e n o eefiwd if[p[e�a y 6ecause thas is nothing w rcfund , ,`- �
<br /> �'= . w�m 1 a m char ged on a daiI y basis.I lmow that if all rebates.refunds asid credits ta whicb I m��ht 6e entitted are less than one d o l lar(SI.00).w eefimd will tre made.I ., �-K "- '
<br /> ' may vo[untarily prepa9 the amo�mt 1 owe you,in full ar in part,at any dme.If I make a p a�a i pcepaymmt.E must oontinue to ma2ce my eegular paymenc�until i have , -;=__
<br /> ' paid all amounts owea t&now that if 1 ptepay the whole amotmt,you may collect or mlain from me a minitnum charge not�ater than 510.00 �
<br /> . . • SPEClNAADER GOODS:I know that you have measurcd my house and its apenings so ihat you can make the Pmduds to fit my pazticular house and that thc goods ..;���`�-
<br /> ��' pzubabiy u�ill not fi[any other houses,so i know that I c-armot cana!tAis conuact at arry ume aftes the petiod uf time giren to me 6y law in which to cancei.Aftu thai _ __
<br /> :�� , �` legal penod af time.!Imow that I have the obligation to pay yw in full tfie amount owed. � � —
<br /> <t;' • - '�, C O.N L 1'l E N C E M E N T O F T H E F 7 N A N C E C H A R G E:T h e f i n a n c e c h ar g e(i n u mst 1 i s esvma[ed ro swn wiWin 30 da ys of the datc of this rnntract.except in the evem 4 '_. �--
<br /> ?+ : tl�at you cnmplete the instatla8on of the goods and strvice.a on aaother date.thea tbe f:nance�e(interest)wil[begin to can on the date that 1 v the Comptetion , : —�
<br /> _.4 ..� Cemficate.'fheamoutttoffnancechatgefmterest)maYbemoreostessihantheamouatdiulosedd goatheamarntslpaYYouandmydmelinessinm�payments. ';-<. ;:��°
<br /> � . �. . i3�A1JLT:1 will be iu default uader d�is w�att if:1.1 don t make a payrs�ent whea due;or 2.16ieak any piomise 1 made to yau iu d�Ls coutr�ar 3.Something eise . . .`�•�_
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<br />�':}. . �� ?r` ttappens which causes yae[0 6etieve in gaod faith that{do not intead ta pay yau as pmmiud;or 4.I default on any obligations for wfucht am using my home as collattnal; � `---.---, �`.�..
<br />- � ot 5.Something 6appens W my house w6tch thxeatens yow rights,if aa},m i� ,. _
<br /> � . �LLEC7'IONi COS'f5:If I am iu default of tbis contract and oudea�and fullpaymen�for ieasonabie attom fees and forother nlated expenses sucb as court cosls. •� � �-► :
<br /> ' � ,.�'. Gt1e sea�des and money you expended to collect the amo�t due m to pmtect my h if ou ue altowed w�Uect such aznounts law. • . ��` '�'
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<br /> • Q�R RIGH'!5:Yoo can choose not to enfoice azry of t6e ri Is ander this connact as often as yw waru without Iosing t4�em.Or,you�an detay enfoncing aay of the , �.
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<br /> .,,., . tiglus without losing tdem.You can alsa use any rig6u now or in tde funue given to you by taw. _ ,•�,�g:
<br /> . , '`� DELAYS:I know that qou wi(1 use your best effons to install the Pmdacts I am pu�hasing an my house.but 1 aiso understand that in some situations you may encauuter ___ •• -�`� '
<br /> detays that are caused 6y str�es,weather conditions,delays you have in obtaimng roarenals,or for oUtu reasons thal am beyond your wnuol.l will not hotd you liable ::��
<br /> '-` for suc6 delays. ' "` '""
<br /> ,� , . � REQUEST FOA FI7LL PAYMENT If i am in defautt under this wnaaa,you can declaze all that I owe under�his contract payabte at once.l ag�ee to pay yon iace+est .� "� '`+�'�'""
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<br /> c, on that amouat at che maximwo contracmai rete allowed f+Y IaW+uanl the amount I owe you is paid.t afso know�hat yau can foreclose�e mortgage I have g�ven to yor�. ;,.�
<br /> �;>; � •_'� . ARBPPRATI(DN:If I 6ave a dispute or claim aith you concemiag the qaanuty:quality or performecice of the Pmducu,l understand ihat my dispute.may be submitted • -�
<br /> :� to and settled according ro the med�a6on-arbivaaon pmgr..m that may huve developed in my cammunity.I also know that any derision made by an azbivatot(s3 wauld 6e �''..,�_-
<br /> . � enteted in the court having jurisdicaon over me and you. ���_°"`
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<br /> ' . _ , .� SAWAGE VAl.UE:I latow ihat the windows.woodwork,siding.brick and other materials that have to be remwed by you tor this instalIation have E�O salvage value. .. - _,..
<br /> When you mmove�hem,you con have thero for ahatever purpose yai want. -�
<br /> �` ) SPECIAI.S[TUATIONS:Due to tbe uniqaeness of some ot the Pmducts[hat you seU,t undeistand that in���aI situations your Regional Offia may lrave to review
<br /> and appmve this contrap.I atso understand that this sale occumed in my home and that you and 1 may aot have fiad all ihe correct mformaaon impoirant to this haasaction
<br /> ..c • �-�� . at our fingertips;l give you my eonsent to corsect any obvious errors that may have accurtGi when the blanks in this contract weec completed. • � ����q-�-
<br /> ) • INVALID PROYLSIOICS:If anypm vision of this cantract violates�he law and is unenforceable,the rest of the wnhact will be valid.IPany part of thfs conuact requues . , .��
<br /> �. payment of mom interest than Ihe law permits.then you wiU only 6ave the right to collect hom me the amaunt of intecest which the!aw allows you to collect. , . , '�"'1`��
<br /> � COMPLETENF.SS OYTHLS CONT[tACP:'l7iis wnaact can only tre changed if both you and i agree in wri6ng. . '='.,'':
<br /> � • • �, NOTICE . . ' `,.��.-,
<br /> . ,. ;� • ANY HOLDER OF TH(S CONSUMER CREDR CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFEN3ES WFtICH THE �
<br /> • • DEBTOR CCULD ASSERT 1aGA1NST YHE SELLER OF GOOOS OR SERVICFS OBTi41NED PURSUANT NERETO Od�WfTH .;:� .
<br /> . � tF1E PROCEEDS NEREOF. RECOVERY HEREUNDIER BY THE DEBTOR SHALL KOT EICCEED AMOUI3TS PAID BY THE .
<br /> .. . . .� OEBTOR HEREUNQER. , I -��
<br /> INSIJRANCE CANCELLATION:If I have reques�cd incumnce in this purchase.1 may cancel sueh request tot insurance for any rea�an within fafteen(1S)days from
<br />-__ _ _-„— the date�f+bic contrac�hy nMifyine you or the holder o!'thisconiract in nr.�ng.l know that the cancellation of my coverage will be arrenged with the insurance came�fs) ,
<br /> ' • � and a fuU�efund of my premium(s)rogether with applicable 6nantt charge will be credded to this conuact. . . - '
<br /> PLEASE NOrI'E:If 1 have requected insurance in this purefiase,t aill rcccivc within thirty(30)days a certificateof insurance more fullydescribing the insutancc cavernge.
<br /> . t know that if them is any con(lict in[he coverage or tfie language of the certificate of insurance and the foflawing Notice of Proposed lnsurance that 1 am coveted only to .
<br /> ' . � the extent stated in the following Notice of Propoced Insurance. 1 also know[hat 1 have insurance wveiage only if 1 have been chatged for it. -
<br /> , : .. � (JOTtCE OF PRO�OSED INSURANC�E • .
<br /> 1 take notice�hat ci�her Credit Life or Crcdi�Accident and Hwlth Insurnnce,or�oth,will be applicable to this Installment Sales Conttact only if t have chasen it by �,; •
<br /> - � � signing the myuest for such insurance.This insurance will only.over the persnn signing the request at the►:ost for e:u:h rype of insuranee shown.Subject to aceeptance , .
<br /> ;�:'," . � by the msurancc company.the incurs.�ce will be effective as of today and w�ll conunue only for the number ot months after the effective date equal ro the nntober of .
<br /> . .� _ � � monthty payments.1 understand that this p�rticular inswance may not prov�de caverage tor my last few payment9,and that during that period of fime 1 will not Nave any ,
<br /> insurance coverage.All benefits and proceeds of the insuranee will be paid to you or to n financial instiwtion if it puretiaces ihe Installment Sales Conuact to the extCnt
<br /> _ i of its interests and any balance u��ll be p•ryable to me.The initiul amount nf Credit Life Insucmce is the amoum requiced.o:epay the Total of Payments:theteafter.the '
<br /> ' i insur�nee decreases by the amount of each monthly paymenl on a scheduled 30 day basic.If 1 am jointly obtigated an thelnstal►ment Salev Contrael with o Co-Buyer,and �_ „ •
<br /> - j � we have boeh cigned�he requeu for Ccedit Life Insumnce,death benefitc will be payable only with rcspec�to the first one of uc tn die.Subject to exclusioae,elimmations . , . •
<br /> �� . ' � or waiting period stated in the insurance policy or certificate.CreditAccident and Hcalth Insurance is forthe benefit amount o(I/30th of each month's payment foreach , . .
<br /> • f day that I am tatally disabled due to an in,ury or+ickncss while I owe any paymcnt to ynu;however. 1 understand that I havc to be prevcnted from worktng due to such
<br /> � ��"" ' � obf�tn�ny�in vruace trom you i!1 om a�ev 65�y e�ara ot ege tod y,and 1 so know thst the fasauraace co erage provlded to me mbuy1i ontnin�e ma�[(mum amount � , , �
<br /> � otcoreraRe which wID not Qay in some cuses,the eatire amuunt that!owe you.Due to the maximum umount uf covcrage ctated in the insurance policy.l kno�i that �
<br /> • � . 1 any unp•rid arnuunt in excesr of the insur.mce coverage will still ha�e to be paid.If[he Installment Sales Contrect is yre a�d in full pnor to the last payment date.any . �
<br /> ) une:uned mturance premiums will be refunded to me in the mannerpm�enbed by law.Within thitty 1301 daqs,1 wiU receive tRe certifieateoi insurance morc fully describing '
<br /> '� my insurance coveragc.If thc insur.mcc fc n��t aaepted hy thc iasurenrc rompany.1 will mceivc a rcfund of the insuranm premiums I hrve prid.
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