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24C-152 (3) 39 ARLINGTON ST BP-2021-0020 GIS#: COMMONWEALTH OF MASSACHUSETTS Map:Block:24C- 152 CITY OF NORTHAMPTON Lot:-001 PERSONS CONTRACTING WITH UNREGISTERED CONTRACTORS Permit: Building DO NOT HAVE ACCESS TO THE GUARANTY FUND (MGL c.142A) Category:window replaced BUILDING P E RM I T Permit# BP-2021-0020 Proiect# JS-2021-000025 Est.Cost:$20042.00 Fee: $40.00 PERMISSION IS HEREBY GRANTED TO: Const.Class: Contractor: License: Use Group: PATRICK KUBALA 100114 Lot Size(sq.ft.): 9583.20 Owner: RUSSELL PATRICIA LEE Zoning: URB(100)/ Applicant: PATRICK KUBALA AT. 39 ARLINGTON ST Applicant Address: Phone: Insurance: 5 PELL ST (413) 589-1010 WC LUDLOWMA01056 ISSUED ON.7/8/2020 0:00:00 TO PERFORM THE FOLLOWING WORK.-REPLACE 18 DOUBLE HUNG WINDOWS POST THIS CARD SO IT IS VISIBLE FROM THE STREET Inspector of Plumbing Inspector of Wiring D.P.W. Building Inspector Underground: Service: Meter: Footings: Rough: Rough: House# Foundation: Driveway Final: Final: Final: Rough Frame: Gas: Fire Department Fireplace/Chimney: Rough: Oil: Insulation: Final: Smoke: Final: THIS PERMIT MAY BE REVOKED BY THE CITY OF NORTHAMPTON UPON VIOLATION OF ANY OF ITS RULES AND REGULATIONS. Certificate of Occupancy Sienature: FeeTvpe: Date Paid: Amount: Building 7/8/2020 0:00:00 $40.00 212 Main Street,Phone(413)587-1240,Fax:(413)587-1272 Louis Hasbrouck—Building Commissioner The Commonwealth of Massachusetts F i&;I— Board of Building Regulations and Standards FOR Massachusetts State Building CodMUNICIPALITYe,780 CMR USE 'n Building Pernfi U t Application To Construct,Repair,Renovate Or Demolish a Revised.' a.r 2011 oOne-or Two-Fdodl),Dwelling :C C1 > This Section for Official Use Only o Buil "'Permit Number- IUOAV ate Applied: o= Z Z >W C:,--< M 0,U ED Bu r"101f ial(Print Name) Signature Date 80 0 SECTION 1:SITE INFORMATION 7—11 Ads: 1.2 Assessors Map&Parcel Num11 _X :T�rop ty 1;rM?,dres-r7-0J,4 S I— 02!q C 1,5 1.1 a Is this an accepted street?M—><, no Map Number Parcel Number 1.3 Zoning information: 1.4 Property Dimensions: Zoning District Proposed Use Lot Area(sq ft) Frontage(ft) 1.5 Building Setbacks(ft) Front Yard Side Yards Rear Yard Required Provided Required Provided Required Provided 1.6 W-afW—Supply:(M.G.L o.40,§54) 1.7 Flood Zone Information- 1.8 Sewage Disposal System: Public 0 Private 0 Zone: Outside Fiend Zone? Municipal E3 On site disposal system 0 Check if yesO SECTION 2* PROPERTY OWNERSHIP' Zcaner'of Record: &Z 7Wd Name(Print] city.State,ZIP AVzxAtq pyri0o, 2-r No,and Street Telephone 6mail Address SECTION 3:DESCRIPTION OF PROPOSED WORK(check all that apply) Now Construction 0 Existing Building 0 Owner-Occupied 0 Repairs(s) 0 Alteration(s) 0 Addition IJ Demolition 0 Accessory Bldg.E3 Number of Units— Other)4 specify: BriefDescriptiOno Prop sed WOW: haa 161E 1Z A-C SECTION'4:ESTIMATED CONSTRUCTION COSTS Item Estimated Costs. Official Use Only (Labor and Materials) 1.Building S 1. Building Permit Fee: Indicate how fee is determined-, 2.Electrical $ 0 Standard CitylTown Application Fee 13 Total Project Costs(Item 6)x multiplier_x 3,Plumbing $ 2. Other Fees: S 4. Mechanical (HVAQ S List: 5.Mechanical (Fire $ Suppression) Total 1�4,0 All IF7 Check .1 ".V Amount; luash Amount.— ---1� 6.Total Project Cost: S 0 Paid in Full 0 Outstanding Balance Due: SECTION 5: CONSTRUCTION SERVICES 5.1 Construction Supervisor License(CSL) es CSL Holder List CSL Type(see below No.and Street Type Description U. Unrestricted(Buildings upto.35.000 cu.ft.) 41. Restricted 1&2 Fanuly Dwelling M Masonry PC Roofing Covering WS Window and Siding Solid Fuel Burnikg Appliances Insulation elephone Email address 5J Registered Home Improvement Contractor(HIC) 11 HIC Registration Number Expiration Date MC Comp y Name or HIC Registrant Name Sr I NIP.and Street Email address CityfTown,Stite,21P Telephone SECTION 6:WORKERS'COMPENSATION INSURANCE AFFIDAVIT(M.G.L.c.152.1 25C(6)) Workers Compensation Insurance affidavit must be completed and submitted with this application. Failure to provide this affidavit will resuit in the denial of the Issuance of the building permit. Signed Affidavit Attached? Yes No....... SECTION 7a:OWNER AUTHORIZATION TO BE COMPLETED WHEN MMERIS AGENT OR CONTRACTOR APPLIES FOR BUILDING PERINUT I,as Owner of the subject property,hereby authorizeza-'rx ding perT rd-it app" to act an my behalf,in all matters relative to work authorized by this bull acat?on. Print Ourner's Name(Electronit Signature) Date SECTION 7b:OWNEWOR AUTHORIZED AGENT DECLARATION By entering my name below,I hereby attest under the pains and penalties of perjury that all of the 411,1formation contained in this application is true and accurate t of my knowledge and understanding. &xized Agent NMST BE ED—by Ownc�o��u Date 1. An Owner who obtains a building permit to do hister own work,or an owner who hires an u7nre—,giisiered Fcontr—actor (not registered in the Rome Improvement Contractor(HIC)Program),will=have access to the arbitration program or guaranty fund under.M.G.L.c. 142A,Other important information on the HIC Program car,be found at wy"w.mass.govioca Information on the Construction Supervisor License-can-be found at ML��,mass.�ovd s 1 2. When substantial work is planned,provide the informatioD below. Total floor area(sq.ft.) (,'including garage,fmished basement/artics,decks or porch) Gross Living area(sq.fQ Habitable room count Number of fireplaces Number of bedroorns Number of bathrooms Number of Type of hearing system Number of deck&`porches Type-'cooling-'' _ _ _ _______ Kubala Dome Improvements The Window & Door Experts 5 Fell Street Ludlow, MA 01056 855-458-2252 4LUstomerr zation for building permits. � as Owner of the pro ert located at p Y herby authorize Patrick Kubala Nome Improvements to act on my behal , in all matters relative to attaining building permits, and all matters relative to work authorized by such building permits. Signature of Owner Date The Commonwealth of 111assachuse&S Department of IndustrialAccidents I Congress Street,Suite 100 Bacton,K4 02114-2017 www.mass.govIdia Workers'Compensation insurance Affidavit.BuildersiContractors/E3ectricion.,;/,Plumbers. TO BE FILED WITH THE PERMITTING AUTHORITY, Name (f3usineWOrganaa6on/hidividual): Address: City/State/Zip; Zuzzoo(-) Phone Are You in employer?Check the X"ropriatt box. Type of project(required): f 2 ernPlOyet with--JL*MPIoYces(full andlorparr-time).* 7. r-J X,ew,construction 2 1 am a sole proprietw or patutersitip and have no etnpk)y=working for ni,in an',capacity,JNo workers'cogs.insurance required.) 8. [�JRemodedng 3.[]1 Am 3 homeowner doing all work myself JNo workers'comp.insurance required 1, 9. 71 Dernolitio, 4.�1 am a homeowner and will be hiring coutmClors;to conduct all work opt my prop". I will 10 Building addition eftsAm thatlill 01musdorstiffierhave workers'compormtion insumxx orare sole 11.0 Electrical repairs or additions propnetors with no einipjoyee,, 5.[J 1 gin a SMUSI C011MICtorand I Isive hiftd the suh-contractoss are a, 12.7 Plumbing repairs or additions listed the attached sheet, These sub-contra have orriplayees and have work,-n,comp,jnstnnct.. 13.r"Roof repairs b.F-1 We are*WrP0rftt*n and its*MOM have exercised their right ofexemption per MOL c. 14.[]Other ---- i 32.§1(4),and we itsve no employees,(NO workers'comp.insatanc-e mquired,j A * ny applicant dw cheeks box#1 must&ISO fig out the section below showing their workers'compensation pensmion policy iritorrnation. Homeowners who submit this affidavit iftchasiting they are doirig All WO&and duin but outside e0=Wt=MM submit a r--w affidavit indicating such. <Contriimrs Lhw cluck this box must st!14W an additional sheet showing the name of the sub-c—cwtors ad am whedw or not those entities have =PIOYM, If the sub-contrutort have they rntwt Provide their W06v&W 'COMP Policy number 14m42Remployer that isproviding wor*ersleetnpensafiomtflSumncefor myempivy"& Below is the policy and,ob site Insurance Compary'Name; Z(, ri POliCy#or Self-ins,Lie.#: M7-�- �-S�- ��-20/1&pimtion Date:__ "0/,1117/40-947 Job Site Address 51 P _A1 city/stateizip" .4 Attach COPY Of the workers'compensation policy declaration page(showing the policy number and expiration dat Failure to secure coverage as required under MGL c. 152,§25A is a criminal violation punishable by a fine up to$1,500.00 and/or one-year imprisonment,as well as civil penalties in the form of a STOP WORK ORDER and a fine of up to$24%00 a day against the violatot.A copy of this statement tnay be forwarded to the Office of Investigations of the DIA for insurance coverage verification. I do hereby rerdfy unAer the pains mid penalties Ott thX Injrtrrnatran proWded above is true and correC4 Signature: Date: z offteial use Only- DO not wife In this area,to he completed by city or town official City or Town: Permit/License Issuing Authority(circle one): L Board of Health 2.Building Department 3.City/Town Clerk 4.Electrical inspector 5.Plumbing Inspector 6.Other Contact Person; Phone#- CERTIFICATE OF LIABILITY INSURANCE DATE,101!2 020 as,�Qvzort� THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT 13ETWEEN THE ISSUING PISURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policypes)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy,certain policies may require an endorsement A statement on this certificate does not confer fthts to the certificate holder in lieu of such endorsements). PRODUCER 1-111MITACT Christine E Davenport Richard R. Green Insurance Agency, Inc. ----. PHONE {413)267-3495 ...W_ ic,Noy:(413)267-34 32 Somers Rd Acc,Ns ;_ _._ Hampden,MA 01036 : cdavenportorichardgreeninsurance.com St AFFORDING Covftt G a .._.... .NAIL._ . INSURER A Main Street America Assurance Co INSURED Patrick Kubala Home Improvement p INSURER a NCAA Insurance Co ` Patrick Kubala dba .._._..... INSURER C Associated Employers Insurance Company 5 Pell St _ _ Ludlow, MA 01056 INSURER D INSURER E INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE_ FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TER1.15 EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. TR TYPE OF INSURANCE O ILIL c"v" � "''paLlcY ExP POLICY NUMBERDD: LINTS, A COWWRCIALGENERALLIABILITY Y MPP1698U 06/01'2020 06/0112021 EACH occur.HEr OCCURRENCES CLAIMS-MADE CLAIMMADE OCCUR CAL1A0 "t rtrSvt`u.. 300.000 i Mt€ 55YQ+,tg _..'_a. S F 6r)i PGRSONAL&ADV INJURY S ' 000.003 j i C,EMLAGGREGATEUMITAPPLI PER: GEN...... .._. ' 4 POLICY `_...._..._ .EC'r L _V PRO- 1 ',LOC r�RODUCTS DMP,oP AGG $ 2•QQQ.QQQ OTHER: _____ _._.. B AUTOMOBILE LIABILITY Y ;M1P1698U 0601112020 06/01/2021 COMBINED SINGLE LIMIT S 1 00t 6Uq d ate dents _ ANY AUTOBODILY INIJRY P9r p rbwSOWNEj AUTOS AUTOSCHES BODILY INJURY(Per he Asnti S AUTOS{3N1.Y A{.?OS HIRED ,`NON-OWNED AUTOS ONLY AUTOS ONLY S B uwBRELLALIAaOCCUR Y CUP1698U 06/01/2020 06/01/2021 EACHOCCL)RRFNrE a 1.00Q0Q EXCESS UAB CLAIMS-MADE AGGREGATE 0 ,C00 DED RETEN-ION s 10,000 S L WORKERS COMPENSATkNi WCC-500-5016474-2019A 10/2712019 10/27/2020 PER OTH- I AND EMPLOYERS'LIABILRY Y/N - -.__...$?APr'TE ....:....... ... ! FFIC20r� MBER°5XCLU ED'? ;LtTNE EL EACH S so0.o o OPFiCER'MEA�ER EXCS.UC-ED'+ Y N!A ;_ _ ___ _._..... __... , )Mandatory in NH) FL DISEASE EAEMPLO*EE 5 5,11.,0;1 __. ti Ye's desmt)e under .... DESCRIP*nON 09 OPERATIONS below _ E L OIS AS POLICY LImir $ 1 i DESCRIPTION OF OPERATIONS LOCATIONS t VEHICLES (ACOAO 101,AdditioneJ Remarks Sehedura,may be attached If more space Is required) Subject to policy terms and conditions. Sole Proprietor is excluded tram coverage under the Workers Compensation policy. The certificate holder is an additional insured with respects to the General Liability and Automobile Liability policies when required by written contract. 1 s CERTIFICATE HOLDER CANCELLATION E SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE � *" For Intormational PUrpOSeS Only-" ' THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE.POLICY PROVISIONS. j AUTHORIZED REPRESENTATIVE t �w ®1988-2013 ACORD CORPORATION. All rights reserved ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD Office of Consumer Affairs and Business Regulation 1000 Washington Street - Suite 710 ! Boston, Masshchusetts 02118 I Nome improvernetit Contractor Registration Type: Individual PATHK;K KUBALA Registraticnn: 15ot 1 e D/B/A PATRICK KUHALA f-OMF IMPROVEMENTS EXPiratirm: 03/06/2022 5 PELL STREET LUDLOW,AAA 01058 SCA t hte,sl.//navvy! Update Address and Return Card. (t/Hd' [%HryiR7ltltq/flkflllH fX'�T�(df.•hf(ffJrlfrif!r�+l C3t"-of Consumer Aftelrs&Bushrose Regulation HOME IMPROVEMENT CONTRACTOR TYPE:Irdividti al Refilstratlon valid for Individual use onty before the expiration e. It found return to: 134 1 501 1 0 �tSltl>3I� Office of Cortsumer trs and Business R 1501f8 0310€3(20?2 t000washington ' of -Suite 7to Regulation I'A'I'HICK KUf3&-A Boston,MA 021 D/WA PATRICK KUDALA ItOMf IMPROVC.-WENTS n PATRICK J.KU13AI-A 5 f-TzLt..STI Ii T'i e.+f %eflar«1r, LUr3l._()W,MA 05C, Ur�rsecr©tary ry Mot valid without signature �f Division of Professional L wensure )it+Pl[Atrkitfr3 t�(kt FAL.LE Board of Building Regulations and Standards Cons tkautt1hA%*rvlS()r HOME IMPR+pTri'LMENT CONTRACTOR L�W'tlL: PIL C l �i I'A'FRIC;K ICIitlAI.A. cs-1fto11a y E sires:09r09t 321 .5 Pt 1.I.SII' 1t1Staltation PA'rtttCK J Kfil At e ;' LIII)I.()'!li{t,MA f 10,56-2.767. M A S T E R 6 PELt STRItT KK•,e P «,( R.,. LUDLOW MA AIGW K" k� t=nl*tttcKKOt3nf.nor()i4(t't rit>ItOvFIHt<tvts a0men"" f F�r rtSti l't({f�l�` Itcinrrttien�if t.ffrc:UtYa Isxpirwtian Fi t 1(..0619712 11/3o/2t?tit Nom.t)1tk"ll Elgrirw: WAllin spa*a w Cn+nrnissivrrer .G.��.N .w..l ..U*Ww:i A P'Nomwspa"Orintlw.rirw 6?4i2020 1MG_0001.jpq THE:C:ON 10NWF' AI.,TH OF MASSACHUSETTS E'YEC17T`1'E OFFJCE Of LABOR AND WMKFORC,E DF_VELopmEN DEPARTMENT Q7+ LABOR STANDARDS 1,9 STAit IFORD STRrsr,,T.BOSTON,MAS WIRw-rts 02114 LEAD-SAFE RENOVATION CONTRACTOR LAS."ENSU: K.UBALA HOME IMPROVEMENTS 5 PELL STREET LUDLOW MA 01056 LICENSE: LR002184 EX.PIRF,S: Sunday,May J&2025 IN A0goRDAxcE wtrH t4,G L.C. 111;§ 197B(b)AND 454 CMR 22.04,THIS LICENSE IS ISS UED B THE DEPARTMENT OF LABOR STANDARDS TO THE CONTRACTOR ABOVE FOR THE PURPOSE OF ENGAGING IN LEAD-SAFE RhNOVATION. THIS LICENSE IS VALID FOR A PERIOD OF FAZE(5)YEARS. THIS LICENSE MUST BE MAINTAIN`EDBYTHE CONTRACTOR IN ACCORDANCE WITH M.G.L.C. 111. § 197.B(b)(2)AND 454 CMR 22.04 WFIEN ENGAGED IN LEAD-SAFE RENOVATION ANDIOR MODERATE-RISK DEL.EADING NVORK.LEAD SAFE RENOVATION CONTRACTORS MAY NOT PERFORM MODERATE RISK I)ELEADING WORK UNLESS THEY EMPLOY A,LIP,RVISOR,WW AS TAKEN THE REQUISITE TRAINING AS REQUIRFI)BY 454 CMR 22.00,TO OVERSEE T14E WORK_ j MIC 4AF-L FL.ANAGAN. DliiECTOR Please detach this malting tab and keep your license certificate In an accessible location,A copy cif"this license must be maintained at each worksite. .. ._.................... KUBALA HOME TIMIPROVEM(INTS 5 PE:LL STREET ;!LUDLOW,MA,01056 hftpssi','mail,900916.com/mail,'u/0/'?ogbl#inbox?projector=I MpTof The City ofNathampton Building Department 212 Main Street Northampton, Massachusetts 01060 Phone (413) 387-1240 Fax (413) 587-1272 CONSTRUCTION DEBRIS AFFIDAVIT (FOR ALL DEMOLMON AND RENOVAT ION PROJECTS) In accordance with the provisions of MGL c4l). s54, a condition of Building Permit Number— is that all debris resulting from this work shall be disposed of in a properly licensed waste disposal facility as defined by MGL c 111, sl 50A. The debris will be disposed of in: Location of Facility The debris will be transported by: Name of HaulerAils '.�'� Signature of Applicant: Date Kubala Home Improvements The Window & Door Experts 5 Pell Street Ludlow, MA 01056 855-455-2252 Kubala Custom windows Energy Star &, Performance Data Devised June 2019 _.._........ OPTION MFG CODE U-Factor = SHGCVT CR {mega-Tuff 52210A Z4 .21 .48 47 .� .. Ni-R N2210A .25 .28 .52 47 Essential P2100A 1 .30 .49 F .60 55 .__, _._. Passive P2210A .25 .48 .59-�.�_ �__.46 _ PATRICK KUBALA HOME IMPROVEMENTS All hoot imprewement contractors aoo suncrn+tracr,lrs iliruf,.., contr:x ting.anlcss stxsNiealiy cxatipt roan registration by Provisions of t:hapler 14-A MA HIC#150118 0l' the #motor Lows• must he regisfcrej with the 0immanwed1h of MstsQchuscll',- S Pelleet r Ludlow, M Inquine,, about regi,,trittroo and %lulus shaxrld be made to the Dircclot, Ilume 5t A 0 0S6 ttnprowcutcnt C'curtr°act tlegiwtraetis+tt, tyt>L Ashburton PI<+cc, it,w+m 130i, 13+ro1or, h+th 413-589-1010 (#0 7)7?7•x59x Submitted To I t W A Job Name: Job location• —.. [f Pt c gold Estitrtator•�. We 2 by.submit specifications and estimates for work to be performed and materials to be used: �N� . , 4- -., Vial/XX A J e. WORK SCNFIJt1_N. �i �� • Contract no to the work or order the materials before the third day follovt ing the signing of this agreement,unless speci;red hcrem r,actur will begin the wort;4.41 lx.x or aat� ds+tel. Baring delay caused by circumstances beyond the Contractor's control. The work will ba cnrnpletaKi by Widate). The o+wnrr hereby as R,ledges and agrees that scheduling dates are approximate and that such delays that are not avoidable by the Contractor including but not limited to strikes, Acts of Cic+d,shortages of materials,accidents,and all other delays beyond the its control,shall not bo considored,as violations of this Agreement. WARRANTY ,��jj� 'the contractor warrants that the work furnished hereunder shall he free from defects in materials and workmanship for a period oV—&A 'foltowing completion and shall eumpl. with the requiremcnis of this Agreement. In the event any defotx in workmanship or materials,or damage caused by the Contracitu,its suit tmtracton.emplc)yces or agents.is discovered after completion ofany jour,including clean up,the Contractor shall at its num expense, fdrthwith remedy.rquir•correct,replace or cause it)be remedied. repaired or replaced,such damage or such defect in materials and workmanship. 'llic foregoing warranties shall survive any inspection performed in conncetion with tide agreed-. upon work. We Pr ose hereby to ish nitttcri` and labor-complete in accordance with shove specifiiCations, for the sum of. �� ,� __.t'.._�_ dollars{$ ��"T.�..l�•'..�..�.,_,..• ). I' cnt to bemde s f ws: %{__ _ •� ,` )upon signing contract; PATRICK KUBALA HOME IMRPOVEMENTS 777777 -____)upon eornplction.e+r'�l_. _. 5 PELL STREET %(_ _ )upon conytletitn zi++' LUDLOWV, MA 01 413-589-1 _. ... Ur %(_ )shaft be made foxlhwith upon MA HIC 150 completion of work under this contract. Notice:No agreum at for home improvement cmilracting work shall requitic a down lu)tnent Salesperson: (advancc deposit)of more than oae-ihiM the total contract price or the total amount ofail deptisits or payments which the contractor must make,in ad+nnce,to ruder andsor otherwise Authorized Signature: obtain delivery of sp cia)order materials and equilnnacnl,which cvcr amount is greater Acceptance of Proposal, I have read bath sides of this document and accept the prices,spectticatinns and conditions stadia. I understand that upon signing„this proposal hccornes a binding contract. You arc authorized to do the siork as specified. Payntettt will be made as outlined above. You the buyer, may cancel this transaction at any time prior to midnight of the third business day atter the date or this transaction. See notice of cancellation form for an explanation of this right. Please refer taw the Notice of Cancellation that accompanies this contract;contents of which are referred to above andd incorporated herein by reterence. DO NOT SiGN TIIIS CONTRACT IF THERE ARE:ANY BLANK SPACES Sigttatur - 4- 11c, nature