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For example, a buyer and seller might use this method if the buyer doesn't have the money to pay in full. Disclosure Statement for Consumer Credit Contracts.Acceptance of the contract of sale . . . , to the prospective Buyer of the property a completed copy of the report . . . A. Risk of loss describes which party should carry the risk for damage to the goods after the sale has been completed but before delivery. In most cases, the condition of the conditional sales contract is that the full amount be paid.