ࡱ> |WY[]_aceg x y   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{}~Root Entryb.@pP PerfectOffice_MAIN&PerfectOffice_OBJECTS,p`p`SummaryInformation(|  !"$%&'()*+,-Oh+'Oh+'0L    Dale Whitman21$C:\COREL\SUITE8\PROGRAMS\PRWIN8.EXE Original Slide ShowX ,*`-H]r]r%pr%pr1OOO*`-Hp_!2"#`#$r%]r%]$}*$##"@"|%!9 Kp<p$ k!!M"+c#$x" p 1fffd*`-Hp3qx !"M#z#]$]#x#6#U"+   ~p*`-Hg8s  k!5"o#$$lr%]r%$/$#0#4i"Y!zG!  l%41H*`-H pi&(!"]#]WPC ~ G-R.V?d?c HHHS&,=CY|B"XXXX'33' >XR6MMMMM:MMM!MnHHHF H ) Mv h R0M}RR!MnMMMUMRMAHMR(MuMMM\\MMMCMMM*MwMMM^MRMJMMM1M~MMMeMMMLMMM3MHH M] M .">l$+&p(M(M )MW)M)M)M>*M*M*M%+Mr+M+M ,MY,M,M,TWPC " "2  I  .3   2  I  .3   2  I  .3   2  I  .3  -#  -2  I  .3  Loanpaymentschedules:..2  A  .3  Singlepaymentatendofterm..2  A  .3  Levelpayments:interestonly..2  A  .3  Levelpayments:interestplussomeprincipal..2  A  .3  Levelpayments,fullyamortized..2  A  .3  Levelpaymentsonafully-amortizedbasis,butwithballoon  2  I  .3    2  I  .3    2  I  .3    2  I  .3   2  I  .3    2  I  .3  ! G2  I  .3  ! H2  I  .3  ! O2  I  .3  ! P2  I  .3  -# -2  I  .3  Howcanmonthlypaymentsbereduced?..2  A  .3  Reduceprincipal(borrowlessmoney)..2  A  .3  Reduceinterestrate..2  A  .3  Lengthentermtomaturity  2  I  .3  ( L(2  I  .3  Newerloanformats:..2  A  .3  Adjustableinterestrates(basedonsomeindexofmarketrates)..2  A  .3  Graduatedpayments(steppingupeachyearforfirst5-10years)..2  A  .3  Conversionfromadjustabletofixedrates..2  A  .3  I/O(interest-only),OptionARMs,and negativeamortizationloans."!V K"2  I  .3  ! L2  I  .3  "!X N"2  I  .3  "!W M"2  I  .3  ! J2  I  .3    2  I  .3    2  I  .3    2  I  .3   2  I  .3  " "2  I  .3   2  I  .3  ! 2  I  .3   2  I  .3  " "2  I  .3   2  I  .3   2  I  .3   2  I  .3   2  I  .3  -# !-2  I  .3  Thiswillworkonlyif:..2  A  .3  O, \AZ"Arial RegularOTheoldloanhasalowerinterestratethancurrentmarketrates,and..2  A  .3  O, \AZ"Arial RegularOTheoldloanwillnotbecalled duebytheoldlenderwhenthesaleoccurs...eitherO, \AZ"Arial RegularO444....2  1  .3  becausetheresno dueonsaleclauseor....2  1  .3  becausetheoldlenderwaivesitsrighttocalltheloandueundertheclause.  2  I  .3  !" 2  I  .3  # I2  I  .3  !$ 2  I  .3  % 2  I  .3  & 2  I  .3  ' 2  I  .3  !( 2  I  .3  ) 2  I  .3  !*  2  I  .3  + !2  I  .3  ",Q ""2  I  .3  - #2  I  .3  !. $2  I  .3  / %2  I  .3  0 &2  I  .3  1 '2  I  .3  2 (2  I  .3  3 )2  I  .3  4 *2  I  .3  !5 +2  I  .3  6 ,2  I  .3  7 -2  I  .3  8 .2  I  .3  9 /2  I  .3  : 02  I  .3  M D2  I  .3  ! B2  I  .3  ! C2  I  .3  ; 12  I  .3  < 22  I  .3  1' OU   E12  I  .3  Foreclosure:..2  A  .3  Therecanbemorethanonemortgageonthesameproperty...2  A  .3  Thepriorityofallinterestsisnormallydeterminedbytheirchronologicalorder.( T(2  I  .3  Whatdeterminestheorderinwhichthemortgagesareforeclosed?..2  A  .3  Ithasnothingtodowiththeirpriority:....2  1  .3  Eitherthefirstorthesecondmortgagemightforeclosefirst.....2  1  .3  Itdependsonwhichlenderexperiencesadefaultandlosespatiencefirst.-# NP -2  I  .3  Foreclosure..2  A  .3  Themortgagebeingforeclosediswipedoffthetitle...2  A  .3  Soareallmortgagesandotherinterestsoflowerpriority(iftheyreproperlyservedandmadeparties)...2  A  .3  Butinterestswithhigherpriorityarenotaffectedbytheforeclosure.6, SR   F62  I  .3  ....2  1  .3  Amortgagecanonlybeforeclosed down:..2  A  .3  ME1canforecloseagainstME2andwipeoutME2'smortgage...2  A  .3  ButME2cantforecloseagainstME1atall.= 32  I  .3  > 42  I  .3  ? 52  I  .3  @ 62  I  .3  A 72  I  .3  B 82  I  .3  C 92  I  .3  !D :2  I  .3  E ;2  I  .3  F <2  I  .3  G =2  I  .3  H >2  I  .3  I ?2  I  .3  !J @2  I  .3  K A2  I  .3  2  I  .3  TheendF0 #[=[W(4@QBackground TitleBullet ChartTextOrg ChartData ChartCombinationWPC, XX81%_ps%-3'XXXX,,,,51913,*`-ƮoRsRs%s%s13A#!/ ;9p|*`-Hr%N%o$$6$#n#""+(!ZZ p p4 \ I 9C!"!{"J##$ %yI%^r%1OOOT*`-H]5DFpp%Tx2n ]U 1fff*`-H'pPU WFzm6]h]%>t.s?8UU$)s]]qtYpK4*`-Hp!$H$r% r%;$p#1OOO`*`-HppCil)5]8]a#W-*`-H$pLtqG .~]]Sq@s"3^b p pzV)oC N"p*`-Hp,p% Ix  (  `7)Yk]k]~L>d   8o b1fff*`-HqpU3|5Z)=P]6]%3sp}DdopE1OOO*`-H3pVprpt}ZC-6A{s]] 3![r\OAkE@_vf]B ] s C   d  1 r F#Z1fff*`-H3p,p6WE0 zC& Y ~ ]( ] z\   L # Q]< o *    h s ] ]x 6   s  1 [\  > 6Y1*`-Hprp\'SQgm8\]]s}QS+^{#>/EZ1fff|*`-Hpad KJs]]G31FXalpWPCXX81%T0Tτ3'XXXXKKKK9"0\$0\$W` 6Times New Roman Regular +W` 6Times New Roman Regular +W` 6Times New Roman Regular +W` 6Times New Roman Regular +W` 6Times New Roman Regular +W` 6Times New Roman Regular +)? 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O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO    O, \AZ"Arial RegularO        @0..SinglepaymentatendoftermLO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Levelpayments:interestonlyLO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Levelpayments:interestplussomeprincipalLO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Levelpayments,fullyamortizedLO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Levelpaymentsonafully-amortizedbasis,butwithballoonWPC}XX81%XX81%3'XXXXKKKK9̀|("FX0d$20d$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$   0d$*'13 p.#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  Howcanmonthlypaymentsbereduced?.%'13  / /.+'13 :/:/WPCm XX81%XX81%3'XXXXKKKK9̀|("w080C , \AZ"Arial Regular +C , \AZ"Arial Regular +C ee, \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +/   4 @ @ @ @ @ @ f" dddddd$   0+%13 @.&=O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO        @        @    O, \AZ"Arial RegularO        @0..Reduceprincipal(borrowlessmoney)fO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..ReduceinterestratefO, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..LengthentermtomaturityWPCXX81%XX81%3'XXXX,,,,9j" 0d$2 0d$C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$    0d$-)*+%'13 egp.#O, \AZ"Arial RegularO         @  Q QO, \AZ"Arial RegularO Thiswillworkonlyif:.%'13 fe/e/.+'13 g//WPCXX81%XX81%3'XXXX,,,,9j"  W/P8W/PC 44, \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +/   4 @ @ @ @ @ @ fL" dddddd$   W/P+%13 FW. O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO444        @        @    O, \AZ"Arial RegularO444        @0X..O, \AZ"Arial RegularOTheoldloanhasalowerinterestratethancurrentmarketrates,andfO, \AZ"Arial RegularO444        @    O, \AZ"Arial RegularO444        @0X..O, \AZ"Arial RegularOTheoldloanwillnotbecalled duebytheoldlenderwhenthesaleoccurs...eitherO, \AZ"Arial RegularO444L,..,O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..becausetheresno dueonsaleclauseorL,..,O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..becausetheoldlenderwaivesitsrighttocalltheloandueundertheclause.WPCIXX81%XX81%)3'XXXXKKKK9"$0d$20d$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$   $0d$' !` p.#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  Newerloanformats:.%'13 "^/^/.+'13 #//  WPCXX81%XX81%)3'XXXXKKKK9"( 0(8 0(C @@, \AZ"Arial Regular +C 77, \AZ"Arial Regular +C tt, \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +/   4 @ @ @ @ @ @ f" dddddd$   ( 0(+%13 'G . O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO@@@        @        @    O, \AZ"Arial RegularO@@@        @0..Adjustableinterestrates(basedonsomeindexofmarketrates)fO, \AZ"Arial RegularO@@@        @    O, \AZ"Arial RegularO@@@        @0..Graduatedpayments(steppingupeachyearforfirst5-10years)fO, \AZ"Arial RegularO@@@        @    O, \AZ"Arial RegularO@@@        @0..ConversionfromadjustabletofixedratesfO, \AZ"Arial RegularO@@@        @    O, \AZ"Arial RegularO@@@        @0..I/O(interest-only),OptionARMs,and negativeamortizationloans.WPCVXX81%XX81%3'XXXX,,,,9 j"0d$20d$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$   0d$.'1 `Y p.#O, \AZ"Arial RegularO` ` `         @  Q Q O, \AZ"Arial RegularO` ` ` Foreclosure%'13 X/X/.+'13 //  WPCXX81%XX81%3'XXXX,,,,9 j"q080C 44, \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +/   4 @ @ @ @ @ @ 3" dddddd$   0+%13 `e@.O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO444        @        @    O, \AZ"Arial RegularO444        @0X..Themortgagebeingforeclosediswipedoffthetitle.3O, \AZ"Arial RegularO444        @    O, \AZ"Arial RegularO444        @0X..Soareallmortgagesandotherinterestsoflowerpriority(iftheyreproperlyservedandmadeparties).3O, \AZ"Arial RegularO444        @    O, \AZ"Arial RegularO444        @0X..Butinterestswithhigherpriorityarenotaffectedbytheforeclosure.WPCXX81%XX81%$3'XXXX,,,,9 j"&0d$20d$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$   0d$-.)*+%'153 `Z p.#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` `  Foreclosure:.%'13 X/X/.+'13 //  WPCw XX81%XX81%$3'XXXX,,,,9 j"q+ 08+ 0C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C WW, \AZ"Arial Regular +/   4 @ @ @ @ @ @ " dddddd$   + 0+%13 `#@+ .GO, \AZ"Arial RegularOWWW        @W WO, \AZ"Arial RegularO        @        @    O, \AZ"Arial RegularO        @0:..Therecanbemorethanonemortgageonthesameproperty.O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0:..Thepriorityofallinterestsisnormallydeterminedbytheirchronologicalorder.WPCbXX81%XX81%33'XXXX,,,,9"02u~(1t2(1tC , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +)?  f 4 @ @ @ @ @ @ " dddddd$   0~(1t' `-60O, \AZ"Arial RegularO        @  Q QO, \AZ"Arial RegularOAmortgagecanonlybeforeclosed down:.%'13 .D0D0.+'1f3 /c0c0WPC XX81%XX81%33'XXXX,,,,9"2&!0!0C , \AZ"Arial Regular +W &d9 Z6Times New Roman Regular +W &d9 Z6Times New Roman Regular +W ..&d9 Z6Times New Roman Regular +W WW&d9 Z6Times New Roman Regular +W &d9 Z6Times New Roman Regular +/   4 @ @ @ @ @ @ " dddddd$   2!0+%13 `1@!.&2c&d9 Z6Times New Roman Regularc        @W WO, \AZ"Arial RegularO        @        @    O, \AZ"Arial RegularO        @0..ME1canforecloseagainstME2andwipeoutME2'smortgage.O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..ButME2cantforecloseagainstME1atall.WPCXX81%XX81%93'XXXX,,,,9"6,0\$z,0\$O  9 }AZ.Arial Black Regular +O  9 }AZ.Arial Black Regular +O  9 }AZ.Arial Black Regular +O  9 }AZ.Arial Black Regular +O  9 }AZ.Arial Black Regular +O  9 }AZ.Arial Black Regular +)?   4 @ @ @ @ @ @ " dddddd$   6,0\$' `3p.s#[9 }AZ.Arial Black Regular[         @  Q Q[9 }AZ.Arial Black R      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~egular[  Theend.%'13 4//.+'13 5//==WPCyXX81%XX81%)3'XXXX,,,,9"$WP0d$2P0d$C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +C ` ` , \AZ"Arial Regular +)?   4 @ @ @ @ @ @ " dddddd$   $P0d$' `!p.#O, \AZ"Arial RegularO` ` `         @  Q QO, \AZ"Arial RegularO` ` ` Whatdeterminestheorderinwhichthemortgagesareforeclosed?.%'13 "//33.+'13 #//aaWPC XX81%XX81%)3'XXXX,,,,9"(080C 44, \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +C , \AZ"Arial Regular +/   4 @ @ @ @ @ @ LL" dddddd$   (0+%13 `'@.O, \AZ"Arial RegularO        @W WO, \AZ"Arial RegularO444        @        @    O, \AZ"Arial RegularO444        @0X..Ithasnothingtodowiththeirpriority:L,..,O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Eitherthefirstorthesecondmortgagemightforeclosefirst.L,..,O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO        @0..Itdependsonwhichlenderexperiencesadefaultandlosespatiencefirst.Q5  >%@ ~0u : F?̆m6949mK Pz %38;IQagrm`s+( 2+DoKI" &JlQlS \Vh~<S w ~$E+Z2[9=@IP3Y 4ephB q |~k ׍ P2ɛ93.BcI5RXSګE 1w ~oOq0WPCXX81%A d * g3'XXXXKKKK ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9D'"e g+O, \AZ"Arial RegularO        @  RealEstateFinancefIntroduction'1 fU * *d U d WPC3 XX81%2/s#j3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9D'"eG/ 1O, \AZ"Arial RegularO         @Mortgagor......Mortgagee'1z*fv eCb@_C\d\d\d]T]T[\JPJPJPH@H@H@F0F0F0\=_4_4`$ `$ `$ '1"gUk"O, \AZ"Arial RegularO         @note"h .O, \AZ"Arial RegularO         @Thenoterepresentstheobligationtorepaythedebt."i.1O, \AZ"Arial RegularO         @(borrower)......(lender)WPC XX81%a{0#m3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9D' e7/ 1O, \AZ"Arial RegularO         @Mortgagor......Mortgagee'1z*f {eCb@_C\d\d\d]T]T[\JPJPJPH@H@H@F0F0F0\=_4_4`$ `$ `$ '1"g[k"O, \AZ"Arial RegularO         @note"i7/ 1O, \AZ"Arial RegularO         @Mortgagor......Mortgagee'1z*j eCb@_C\d\d\d]T]T[\JPJPJPH@H@H@F0F0F0\=_4_4`$ `$ `$ '1"k X%k"O, \AZ"Arial RegularO         @mortgage lb{0 )O, \AZ"Arial RegularO         @Themortgageissecurityforthenote;itaidsincollection.WPCXX81%j E.$%f3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9'"eR<^..\"O, \AZ"Arial RegularO444        @Ifpaymentonthenoteisdefaultedupon,thelendercan:J0..sueonthenote,orJ0..foreclosethemortgageItsthelenderschoice(exceptinstateswith one-action[ securityfirst]rules.)WPC> XX81%`E0%m3'XXXX,,,,51 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9tl+'"e,R .i"xc 6Times New Roman Regularc         @Loan:January1....$100,000,9%interest....30yearterm+<<'1**f!F 0 0+'1 g E0c 6Times New Roman Regularc        @Date....Pmt.Q..Q....Int.....Prin...Balance..c 6Times New Roman Regularc@@@2/1....804.63Q..Q....750.00....54.63..\"..\"99,945.37..3/1....804.63Q..Q....749.59....55.04..\"..\"99,890.33....+<<'1"h 0"i%p%"j p "kp"l p  WPCs XX81%`E0%3'XXXX,,,,51 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9tl+'"|,R .i"xc 6Times New Roman Regularc         @Loan:January1....$100,000,9%interest....30yearterm+<<'1**}!F 0 0+'1 ~E0c 6Times New Roman Regularc        @Date....Pmt.Q..Q....Int.....Prin...Balance..c 6Times New Roman Regularc@@@2/1....804.63Q..Q....750.00....54.63..\"..\"99,945.37*..**..*+<<'1" 0"%p%" p "p" p  WPC XX81%`E0%m3'XXXX,,,,51 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9tl+'"e,R .i"xc 6Times New Roman Regularc         @Loan:January1....$100,000,9%interest....30yearterm+<<'1**f!F 0 0+'1 gE0c 6Times New Roman Regularc        @Date....Pmt.Q..Q....Int.....Prin...Balance..c 6Times New Roman Regularc@@@2/1....804.63Q..Q....750.00....54.63..\"..\"99,945.37..3/1....804.63Q..Q....749.59....55.04..\"..\"99,890.33..4/1....804.63Q..Q....749.17....55.46..\"..\"99,834.87....+<<'1"h 0"i%p%"j p "kp"l p  WPC?XX81%0s$3'XXXX,,,,51 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9  0s$#*!nS;.%#S;.%##?Y@4@#?#?@? )| )|   2226ffffffֿp= ף(\?TQ  )|  )|  )|  )|   )|  )|  )|?  )|  )|   ) |   ) |   ) |   ) |   ) |  )|  )|  )|  )|  )|?  )|  )|  )|  )|  )| 4oC` ` A"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|CeeA"Arial Regular )|  )|C eeA"Arial Regular ) |  ) | C A"Arial Regular ) |  ) | C A"Arial Regular ) |   ) | C A"Arial Regular ) |   ) |    //  Mortgage LoanPrincipal BalanceLoan Balance (000)Year of Loan Termd @ 051015202530 # dW@YV@33333S@~BffffffC@@ #  S;.%#.+' 8 #! 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///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&90'3"ga /tQc&d9 Z6Times New Roman Regularc` ` `         @Seller` ..`  .. ....Buyer'3r"hfc`       '3"icc&d9 Z6Times New Roman Regularc` ` `         @Deed'1"!3:j+vw 6      ' ' 6  O^ O^    % % \%a a ~~~'1"lX"0(c&d9 Z6Times New Roman Regularc` ` `         @Seller'1r"m%<t'Fy'I|'Dp'p'p'&&$ !n !n !n@ Y@ Y@ Y`D`D`D"$u$u#_#_#_r"n$$}$$$$%+%+A'***V+V+V++!+!+!(&&'9'9'9'1"o$0c&d9 Z6Times New Roman Regularc        $110,000"p D!hc&d9 Z6Times New Roman Regularc        Mtg."q,Z*c&d9 Z6Times New Roman Regularc` ` `         @$125,000price"r,#"Ac&d9 Z6Times New Roman Regularc` ` `         @In sellerfinancing,thesellerwears2hats:vendorandlenderWPCXX81%-P$f3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9'"e"-, (O, \AZ"Arial RegularO` ` `         @Inawraparoundsale/financing,howdoesthesellermakeaprofit?WPCpXX81%-X$f3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9'"e6-, O, \AZ"Arial RegularO` ` `         @Inawraparoundsale/financing,howdoesthesellermakeaprofit?0 ..ByborrowingmostofthemoneyfromtheoldlenderandrelendingtothepurchaseratahigherinterestrateWPCXX81% :/h3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9'"eR, O, \AZ"Arial RegularO` ` `         @NowitstimetolookatSchraderv.Benton.WPC)XX81%\/}$w3'XXXX,,,,9'"eN /(z$O \AZ"Arial RegularO000        @    Schrader  v.  Benton ! *v((~/($+ '/ @1 Y3Y. f =S-S-"" #w. #w.dw.=S1 O3O^ g8BJG/  )2 Oq;*nPL / m*G8B h*  -d  V?-5< O3 , ,V47 ,r.r.v#v##$.#$y/#$y/`y/-dZw ,@ =/0 Q  1 oO3OZ i!!  [% T-J}}Qb^  Q | !: jMD =| O | G |     nZ L ^ m! !!n!n!!!^!*!L!^?"^s"""a"J!J![s""8"?"!! ","!!|m!i;!!"8 #####,#_e##""?"O"a""s"O" "!!!!!!!K! )!/ ?| s sD k2=T2rp|Y%68l |I&[|m|J"8m}[8[fDUwjp;;^ ^^?O=T l2,=xZ /)!! ! ! ! ]!G j  '  X 2 % p X G  ^   X G j j Qj X G G G D6 x$ f      j j j Z %  T,1 ?O3O m,V G ! " "] " "". "! G  2Z sfQ !!K! K!,! ! " ! )! m!n ! ! !L )! K! ]! )! )! )!I )!' !$ | Z V  n) 6 X  I  r:   ,,o   h l lL 8: 8   n U] " ) 2: :   w   K p   )I Q { T  6  oB     | Y j" " " 3  g Yg C Ug U wV 3 t  3 g Pg V NV V y   g V h3 #V 4C  g  V [$ 6 ^G <X { ^{  P 2 {     6    X X Qj b{ bX  T    p  x _ h o Y N Y ~ u !C 2 N !o 5! [! [!~ [!Y [!8 E! $! ! [!2 !_ !_ !2 ! !!q!V!E!E!!! " B") S" B"("""B"j" t" ""y"e"S"N"e""o"sS"b<"B"1!+!s"# w#" #N #_ # # # $4 $| # # # #9 G#V "5 # K# V# K# #5 "P "\ "` t"\ "E " " " ") t") ]"$ e" e") S") <"/ "") 3" <" <" "") ") !/ !$ ! ! ! ! ! ! ! ! ! ! ! ! ! q! q! [! K! E! ! ! c    q3 6 ! !  2Qb;|w11< "bcsD?p p^r<-,  n  D n L T  % ' j  G   G 6 G %  6 1 _/3Z ro G @ _ @ - P _         =  o o 1 ?O3O s-  iy J  @TMDm4=%%y,DNmT|e.0060OjW!hp)xJ<M9O    tA j | v G /K*s  3  d R dd 0  0v  d  |s< * 0 0  R v   c B 6B |  )0 )R v v ;   T3  j 1 _/3V u v v E v  } T D0 DW T~   ~ & _ V P v 8  WPCXX81%F0%!3'XXXX,,,,519+'"z0|$b?AZArial?` ` `         @ .. @..@` ..`  .. Amfacoldmtg$31,800Benton .. ........Schrader .. @..@Wrapcontract .. @..@` ..` $37,500 .. @..@` ..` $7,000cash+'1r" ! ! !jjji i i  * * *   _--XXXr"~~\111!!6!V!V!V!VVVVVV6r"  0?R R R   y C!j !!!!#!#% )* *    WPCXX81%/$"3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+'"!/#8O, \AZ"Arial RegularO` ` `         @Howmuchcashissellerforegoingbysellingoncontractratherthanforallcash?WPCXX81%ll0$%3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+'"!j/#xO, \AZ"Arial RegularO` ` `         @Howmuchcashissellerforegoingbysellingoncontractratherthanforallcash?Cashsale:$44,500price$31,800oldmtg$12,700cash+PP'1 "N N +'1 #bX0 &O, \AZ"Arial RegularO` ` `         @Contractsale:$44,500price$37,500contr.$7,000cash+PP'1 $ N0 N0 WPCXX81%f /!'3'XXXX,,,,519+' %f /!e?AZArial?` ` `         @Cashforegone: .. $12,700fromcashsale- .. $7,000fromcontractsale .. $5,700foregone+PP'1 &WPCXX81%0#f3'XXXX,,,,9Bo+'"e0#+O \AZ"Arial RegularO` ` `         @Whatdoessellerreceiveasmonthlycashflowduringcontractperiod?WPCXX81%0#)3'XXXX,,,,519+' '0#?AZArial?` ` `         @Whatdoessellerreceiveasmonthlycashflowduringcontractperiod? .. $301.73..pmt.oncontract- .. $226.20pmt.toAmfacon .. @..@` ..`  .. ..mortgage .. $75.53netcashretained+PP'1 (DO O WPCXX81%Jx/#g3'XXXX,,,,9+'"fFz/#(O \AZ"Arial RegularO` ` `         @Whatdoessellerreceivewhencontract"balloons"after3years?WPCXX81%F/#+3'XXXX,,,,519+' )F/#?AZArial?` ` `         @Whatdoessellerreceivewhencontract"balloons"after3years? .. $36,657..balanceowedonK- .. $30,181balanceowedon .. @..@` ..`  .. ..Amfacmortgage .. $6,476netcash+PP'1 *   WPC XX81%.|0$.3'XXXXKKKK513       !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&91 !R!-R!-+<<%f13 `-*????A *A +%13r""hGGG g g g W W WWWWGGG777 7 7 7 ' ' '+'1 #. $O, \AZ"Arial RegularO` ` `         @Inputs:"$f]!O/"O, \AZ"Arial RegularO` ` `         @Outputs:"% \gO, \AZ"Arial RegularO` ` `         @$5,700O, \AZ"Arial RegularOprincipalinvested")  0uaO, \AZ"Arial RegularO` ` `         @$75/mo.O, \AZ"Arial RegularOfor3years+'1r"( -0-.-,)N)N)N)>)>%>N>N>N>N.N.N.NNN%)))))+'1"'GxP0sO, \AZ"Arial RegularO` ` `         @$5,700O, \AZ"Arial RegularOreturnofprinc.after3years+'1r"& B-B-B-}) }) }) })})%---------%})})})})})+'1 +`|0^O, \AZ"Arial RegularO` ` `         @$776O, \AZ"Arial RegularOafter3yrs+'1f *-l-l-lR)R)R)R)|R)|%|:|:|:|:l:l:l:\ :\ :\ %\ R)\ R)\ R)L R)L R)L 13",&`r 'c&d9 Z6Times New Roman Regularc444        @  The blackboxinvest-mentWPCXX81% }/#.3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+'", /c#O, \AZ"Arial RegularO` ` `         @Yieldfrom$75/mo.for3years...................`"..`"16%Yieldfrom$776lumpsumatendof3years...4%Totalyieldtosellers......`"..`"20%+PP'1 -!)WPCXX81%04$f3'XXXX,,,,9+'"e0#<O \AZ"Arial RegularO` ` `         @Howcanthesellerobtainayieldof20%whenthecontractinterestrateisonly9%?WPCXX81%X 04$/3'XXXX,,,,519+' .X 0#?AZArial?` ` `         @Howcanthesellerobtainayieldof20%whenthecontractinterestrateisonly9%?0 ..(Becausetheyare"borrowing"mostofcontractbalancefromAmfacatonly7%interest.)WPCXX81%0 L1;03'XXXX,,,,519+'"/a0#7?AZArial?` ` `         @WhydidAmfacwishtoprohibitthistransaction?WhatgaveAmfacthelegalpowertoprohibitit?WPCXX81%0$13'XXXX,,,,519+' 00#?AZArial?` ` `         @Whatmethodsofcompletingthesalewereapprovedbythecourt?WPCXX81%0$13'XXXX,,,,519+' 00#?AZArial?` ` `         @Whatmethodsofcompletingthesalewereapprovedbythecourt?1.0 ..Buyerscouldpayallcash.2.0 ..Buyerscouldpaysellerstheirentireequity,assumeexistingmortgage(onAmfac'sterms).WPCXX81%r 40N$23'XXXX,,,,519+' 1r 40#?AZArial?` ` `         @3.0 ..Buyerswouldassumemtg,pay$7,000cash,andgivesellera2ndmtgfor$5,700duein2years.0 ..Whydidsellers(andcourtofappeals)rejectthislastoption?WPCXX81%Z/6"33'XXXX,,,,519+'"23? /}#?AZArial?` ` `         @-0 ..Itprobablydidnotgivethesellersa20%yield.(Thisdependsontheinterestratefixedforthe2ndmortgage).-0 ..Itdidnotgivethesellersthecontrolthatthewraparoundcontractgavethem.WPCXX81%TT /N# 3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9 < * 66cR~/$+ / @1 3 ~4& - p@UP:   h >  .X 9 5    J   r ( e  D ! ` ' Zy9^x D LIiwM@{5 5D `y Z1 $  #t.>=\/b     i ,0JU-Ur*R#jC-Ob y2 ^"*%|(+ -- /.F ..2/Eh. . /. /AT/ /H#A+~#3'###!#W!$^#gu#H2#!#C8#4& 1 ߿3>  ? X  j{!v ?6 -*F]{s:P U-* , kW  VQ   s .# d  e  V 0V  Fy   %f?UgO:Q P n   -  x &   k1 L"3 EIW6]LWqw`K]( n F    +L D.MS]9x! Q   2 % S >|sc_5F t 2| I :     L X A 4 + 9  @  ^. x qx   Ij /A P g  t |  : & 4   @ ( H M   K K  J    (]2 U ;g ]  J  I / )Y g  & l   Y o N    A^@H$ s A7   t ko P7Lz2PobZ0z#,=t_?oCr  ^ CFZR=HfZH2]22XstT^/ <@1 3~   h }. r Y $ | A | S nA D; 0 e    w    c ? _   7   z :QK(g?"(:7[kc..9QCp.P{:/ @1 32. -5,|;a9_2.g7/ 9_j  y  &! ?} B 0 ]  ) V{ J    % In X0 ^ ^ X 9O x3     4  i      c0 Ji D P l J    c  u  '  ^  & ~  U    { /Z ]3 d W 8Yy.5'1 3b ( d   { \   @  m v q 9 b x E  7 g S N ( d V  ' # X b ~ # Y  & 0 5_ C    C V ' 2  d r h P  W ( { ^  ^ d 1 f333 % b  5 # r D E j  w A    #M  o  & k <   F w l |  z i b 1 36  pQzm=?%MZ*pQ> ' %T [ o zu8N JF ' 1 ߿3 &zj C X FS C   ( W k pm bI 9  Bj g T = ) 4 #  / Dl NM >$  v o H qB     zj  % 3. ;6zWp_tU??Ly{` h.NA*. rKkcQ^aI} 1 3 B~""|^#I!#"#9$#&# +2#T/#.$.9.w.*!. .\M.w.(/L -y &)L % s" L xx d 4 ^ W 9@ j  Y @ ~  y B O  n( (w i K } T ,r\0 HKnn8Sl)vT% ~~*    2 p  L   $  o   " / / d o / +1f@V    3 Gk S [ Z U ; "   ( O p     +'1"eij /)[9 }AZ.Arial Black Regular[D D D         @  TheHistoricalDevelopmentoftheMortgageWPCXX81%G g0$53'XXXX,,,,519+' 3G g0#?AZArial?` ` `         @@..Theoriginalmortgage: .. MR` ..`  .. ........ .. @..@`"..`"ME .. @..@` ..` deedoffeesimple .. @..@` ..` subjecttocondition .. @..@` ..` subsequent0 ..A"deadpledge."+'1f 4s$>s$>s$>^^^NNN N N N > > > . . ....WPCQ XX81%/8!V3'XXXX,,,,519+'"5 5/#|?AZArial?` ` `         @The"equityoftardyredemption":0 ..EventhoughMRdidnotpayonlawday,theequitycourtswouldpermitMRtopaylateandredeemtheland. ) *U^^~} v (K"+'**6  ,&,&1**7  !!**8  !(!(**9 J P  :[+ ;o <v t  =GF  > <A ?mX @]l A 3X B'  C*V D"KJ" E$K% Fq% & G$,%p H:" "  IfO ) *+'EXg1$*J  c 6Times New Roman Regularc       EXg   @12'OXg$*K M c 6Times New Roman Regularc       OXg   @3'EXg$*L  c 6Times New Roman Regularc       EXg   @6'OXg$*M  c 6Times New Roman Regularc       OXg   @9  P b-)*+' N  f +1 `O-b-b  Sp +1 Q{/y@+1 `R . . \ \+1**T WPCZXX81%J0 B3'XXXX,,,,519+'"6G 0#b?AZArial?` ` `         @Foreclosureoftheequityofredemption:0 ..ThecourtwouldsetanoutsidedatebeyondwhichtheMRcouldnolongerredeem. ,:Ac++B$O,-' 7$~~"YfS Aq?eEkz\9 -UVK% 8!AfaD"a<oO5 Ec*Fo 9$WW  Yo (  S    d > ? e Ek  ' ? [ y     U 5  K % :!Af0Qta<18<=:o2O#5 rR*4Foz ;J5n"yPV7u.@^; BQ a@uvF <+377 3V+"e = cdgxW)3p=6o@EE<6+j R!u_j6d~ >W] VA !S#w%;'U(U('&N%{*%$$&#3"-!\ $V% ` ? ((()W#))V))))#*R*|**=*o****6*j*n*B**))z)R)8))(_(6(^ @s+s++',r,,,V3-f--}-?---Rf- >--,b,;K,++WPCXX81%f0$83'XXXX,,,,519+' 7f0/$?AZArial?` ` `         @Strictforeclosure: .. TheMEsimplykepttheland.Foreclosurebysale:0 ..ThelandwassoldandtheMEreceivedtheproceedsofthesale,withtheremaindergoingtotheMR.WPC|XX81%`0"93'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+'"8at 0$O, \AZ"Arial RegularO` ` `         @Theruleagainst"clogging":0 ..IftheMR(inthemortgage)purportedtowaivetherighttoredeeminequity...0 ..thatwaiverwasdeemedunenforceable.WPCXX81%M1{%J3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+%1"9nO/n%":> > ";!9!!+'1"<O, \AZ"Arial RegularO` ` `         @beforedefault&accel"=C<T !O, \AZ"Arial RegularO` ` `         @periodofdefault&accel.-+'1!*"@` f &- "@$ $ f # # u-.+1# # hB # -.+1!*"Be?AZArial?` ` `         @MR@..@` ..`  .. ........ME1 .. @..@` ..` mortgageMR@..@` ..`  .. ........ME2 .. @..@` ..` mortgageMR@..@` ..`  .. ........Tenant .. @..@` ..` lease'1r"f^NNNNNNN N N    !!!r"g^NNNNNNN N N    !!!r"hNNNNNNN N N    !!!f iw*"~*"*"r) r) r) p)!p)!](!.&!.&!.&!1&"1&"1&"4&#\(#l)#l)#j)$j)$j)$'1 j/,9 i0#?AZArial?` ` `         @B k%j*?AZArial?` ` `         @Fcl.+%'1 mEn+ z+  n(n0 0 WPCXX81%:.$j3'XXXX,,,,519D+'"e^ a-^!>?AZArial?` ` `         @MR@..@` ..`  .. ........ME1 .. @..@` ..` mortgageMR@..@` ..`  .. ........ME2 .. @..@` ..` mortgageMR@..@` ..`  .. ........Tenant .. @..@` ..` lease'1r"f^NNNNNNN N N    !!!r"g^NNNNNNN N N    !!!r"hNNNNNNN N N    !!!+%'1 i:. O,wAZ"Arial RegularO` ` `         @  AssumeME2foreclosesfirst.WPCXXX81%`.$m3'XXXX,,,,519D+'"e^ a-^!>?AZArial?` ` `         @MR@..@` ..`  .. ........ME1 .. @..@` ..` mortgageMR@..@` ..`  .. ........ME2 .. @..@` ..` mortgageMR@..@` ..`  .. ........Tenant .. @..@` ..` lease'1r"f^NNNNNNN N N    !!!r"g^NNNNNNN N N    !!!r"hNNNNNNN N N    !!!+% i) )  jf (E(E+%f k***4)4)4)4)4)W(&&&&&&&&&W(4)4)4)4)4)+%'1"lD+/UO,wAZ"Arial RegularO` ` `         @  BWPCXX81%q$/$j3'XXXX,,,,519D+'"e^a-^!<?AZArial?` ` `         @MR@..@` ..`  .. ........ME1 .. @..@` ..` $30,000MR@..@` ..`  .. ........ME2 .. @..@` ..` $15,000MR@..@` ..`  .. ........Tenant .. @..@` ..` lease'1r"f^NNNNNNN N N    !!!r"g^NNNNNNN N N    !!!r"hNNNNNNN N N    !!!+%'1"iH/ O,wAZ"Arial RegularO` ` `         @  FMVofproperty=$50,000WPC;XX81%[@ . #u3'XXXX,,,,519+%' e[.l"CO,wAZ"Arial RegularO` ` `         @  IfME1forecloses,andthehighbidis$50,000,howwillthemoneybedistributed?  *tMkMk '1<u &K"+%'. f !D""/"[B"B":/"M" e1& g  ! !D!!#!Hs!\7!2 h & a!M":/"M"&!!qK! !  16 i er^!\s!HK!7!  ! ! !y =  -6 j  ! 5  !MK!^!Rs!^!K! ! k HnXn lG +1 me 4 5B&s z>;jjdCeq& [~ T ]  l= GH ?8KYUu*uf K"#$ 4% % &A % %>E%Hz$qk#"'k""M! R JCH6L<a  2! & p a^ N = b, W gj5B"IL"s5?E E`2= /, , = y^ 4 + nX3  B o!%(1b p9Y-YH -KYqq_5nY91 q4v,KnDr z[M\#_M)q c  r 5  & n  *  8 u  [  Ubb,[yv_q:=1& r[zO[[6 s :$UivvWPCXX81%[H/ #v3'XXXX,,,,519+%' e[x.l"CO,wAZ"Arial RegularO` ` `         @  IfME1forecloses,andthehighbidis$50,000,howwillthemoneybedistributed?  *tMkMk '1<u &K"+%'. f !D""/"[B"B":/"M" e1& g  ! !D!!#!Hs!\7!2 h & a!M":/"M"&!!qK! !  16 i er^!\s!HK!7!  ! ! !y =  -6 j  ! 5  !MK!^!Rs!^!K! ! k HnXn lG +1 me 4 5B&s z>;jjdCeq& [~ T ]  l= GH ?8KYUu*uf K"#$ 4% % &A % %>E%Hz$qk#"'k""M! R JCH6L<a  2! & p a^ N = b, W gj5B"IL"s5?E E`2= /, , = y^ 4 + nX3  B o!%(1b p9Y-YH -KYqq_5nY91 q4v,KnDr z[M\#_M)q c  r 5  & n  *  8 u  [  Ubb,[yv_q:=1& r[zO[[6 s :$Uivv+%'1 uH/MO,wAZ"Arial RegularO` ` `         @  ME1:$30,000ME2:$15,000T .. @..@:bonusvalueof .. @..@lease,ifanyMR:$5,000WPCXX81% .#u3'XXXX,,,,9 +%' e.3#%O \AZ"Arial RegularO` ` `         @  Samefacts,butthebidatthesaleisonly$40,000.  *thxhx}jmu &K"+%'. f !D""/"[B"B":/"M" e1& g  ! !D!!#!Hs!\7!2 h & a!M":/"M"&!!qK! !  16 i er^!\s!HK!7!  ! ! !y =  -6 j  ! 5  !MK!^!Rs!^!K! ! k HnXn lG +1 me 4 5B&s z>;jjdCeq& [~ T ]  l= GH ?8KYUu*uf K"#$ 4% % &A % %>E%Hz$qk#"'k""M! R JCH6L<a  2! & p a^ N = b, W gj5B"IL"s5?E E`2= /, , = y^ 4 + nX3  B o!%(1b p9Y-YH -KYqq_5nY91 q4v,KnDr z[M\#_M)q c  r 5  & n  *  8 u  [  Ubb,[yv_q:=1& r[zO[[6 s :$UivvWPCXX81%.#v3'XXXX,,,,9+%' e.3#%O \AZ"Arial RegularO` ` `         @  Samefacts,butthebidatthesaleisonly$40,000.  *thxhx}jmu &K"+%'. f !D""/"[B"B":/"M" e1& g  ! !D!!#!Hs!\7!2 h & a!M":/"M"&!!qK! !  16 i er^!\s!HK!7!  ! ! !y =  -6 j  ! 5  !MK!^!Rs!^!K! ! k HnXn lG +1 me 4 5B&s z>;jjdCeq& [~ T ]  l= GH ?8KYUu*uf K"#$ 4% % &A % %>E%Hz$qk#"'k""M! R JCH6L<a  2! & p a^ N = b, W gj5B"IL"s5?E E`2= /, , = y^ 4 + nX3  B o!%(1b p9Y-YH -KYqq_5nY91 q4v,KnDr z[M\#_M)q c  r 5  & n  *  8 u  [  Ubb,[yv_q:=1& r[zO[[6 s :$Uivv+%'1"u/d=O \AZ"Arial RegularO` ` `         @  ME1:$30,000ME2:$10,000ME2hasadeficiencyclaimagainstMRfor$5,000.WPC XX81%2"3'XXXX,,,,519+%' eT.H"+O,wAZ"Arial RegularO` ` `         @  Whyarejuniormortgagesmoreriskythanseniormortgages? > *]]6 \-y!+ %'1 fes!k!k!'c ger 2 r > r  h5 u 5  i   jx k l  m  no B=B_B o  p3  q >><E r  s   tH+H uZ v  w.i!16 x zozDUv yWY"d>^V9h|bm-X <tz " zz;*b-*r {jImhtLaH5UmxxiWmi#`pb_ |=f1R }v?!6< YS1 nt!!("jW""#9#^& `~ "$+%3I!s*  #u##4$~$ ,##"c"'" ""}#B#Y2$j$ )BRT1F 8#M#  xR)16 MNN(])1  AK'n'n'R''(A([(j(l((")B)_)7' & ,%' 7$ # 0#t "1"":!"!& S . >  fJ663 7R C   /!!I! "BH"'""$#V##z#m$q)$u$=$cu$F$)$_$$P1> 0#<2&c&v&v/'hU'Da'a'U'E''j&R##O#+1: """" #R##(P# ##|#lg#X#P# X#K1* ^#g&&&$&!' '&c# "   " TKB6m6 &p%tH%Z$'##$2$=$<%.a%0&_  \ l se ; \  J ''''H'B '& && & &[ '$ v' 'x ( (M))*H*+  $c$$$1v D)b'PX'>'''v 3'& H' d'e '2 C( (| )t*`*w<+{+]- 2- |, + * *O ) D) )) )5)+%' *ͭͭ.%%O,wAZ"Arial RegularO` ` `         @  ?WPCnXX81%-$f3'XXXX,,,,9+%'"e;l."O \AZ"Arial RegularO` ` `         @  Againassume$50,000FMV.IfyoubidataforeclosurebyME1,howhighwouldyoubid? .. @..@` ..`  .. ..O \AZ"Arial RegularO,O \AZ"Arial RegularO` ` ` IfyoubidataforeclosurebyME2,howhighwouldyoubid?WPC@ XX81%7."3'XXXX,,,,519+%' e7.6"IO,wAZ"Arial RegularO` ` `         @  AtME2'sforeclosuresale,assumethebidis$20,000.Howwillthefundsbedistributed? 2 *KK"A -!+%'1 fO X -K+1 gm<`>1" hINs --m1> iMtZA2#jKoP] 1 j2-iXS  c `e,OX-7y9FNldf+:1,,8- d-X,S+I*D)r'&2 %Q Y$~ " 7! " %!Zb!p!!9g!! q ~ ]t[?V1B kGz % */>H9p7B.cPXrt1 lFD{9~  ! L# =%&)+M,+[+C)%LKg>?>4r4Wg &(((((2'$%"XZD"g  N y~ A   4 > ^4@~j%oG P n | mjj j nr- or- pr -G qw v- rwn -0 sr - tw - ur - vj -{ wmZ- xw- yr-_ z|o-1? {@v /'+/'6 |j }r  ~j  j*  c  j c r  c/ Q ms m m>  r   ' r} o+1 j,90tsP}<.:j(B!"]lvr aK?w 1V;F[F@4LzL38..~0==G`~;SGzSq6'&& 9\g8-x[hYL&xZ$?~w[G$le./SWPC XX81%7."3'XXXX,,,,519+%' e7.6"IO,wAZ"Arial RegularO` ` `         @  AtME2'sforeclosuresale,assumethebidis$20,000.Howwillthefundsbedistributed? 2 *KK"A -!+%'1 fO X -K+1 gm<`>1" hINs --m1> iMtZA2#jKoP] 1 j2-iXS  c `e,OX-7y9FNldf+:1,,8- d-X,S+I*D)r'&2 %Q Y$~ " 7! " %!Zb!p!!9g!! q ~ ]t[?V1B kGz % */>H9p7B.cPXrt1 lFD{9~  ! L# =%&)+M,+[+C)%LKg>?>4r4Wg &(((((2'$%"XZD"g  N y~ A   4 > ^4@~j%oG P n | mjj j nr- or- pr -G qw v- rwn -0 sr - tw - ur - vj -{ wmZ- xw- yr-_ z|o-1? {@v /'+/'6 |j }r  ~j  j*  c  j c r  c/ Q ms m m>  r   ' r} o+1 j,90tsP}<.:j(B!"]lvr aK?w 1V;F[F@4LzL38..~0==G`~;SGzSq6'&& 9\g8-x[hYL&xZ$?~w[G$le./S+%' ].0O,wAZ"Arial RegularO` ` `         @  ME2:$15,000T:bonusvalue,̀ifanyMR:$5,000WPCXX81%.$#f3'XXXX,,,,9+%'"e.~"KO \AZ"Arial RegularO` ` `         @  WhydoesME1receivenoneoftheproceedsofME2'sforeclosure?0 ..WPCiXX81%.#f3'XXXX,,,,519+%' e.~"O,wAZ"Arial RegularO` ` `         @  WhydoesME1receivenoneoftheproceedsofME2'sforeclosure?0 ..(BecausetheforeclosurebyME2doesnotimpairME1'srightsatall;ME1maystillforecloselater.)WPC XX81%l81{%s3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+%1"enO/n%"f> > "gq!9!!+'1"hO, \AZ"Arial RegularO` ` `         @beforedefault&accel"iC<T !O, \AZ"Arial RegularO` ` `         @periodofdefault&accel.-+'1!*"j G f &- "j $ $ f   u-.+1  h>  -.+1!*"kP<3 M &- "kP<!!f !!*-.+1!"! !-.+1-+'1"l:f 'O, \AZ"Arial RegularO` ` `         @default&accel."m8W,O, \AZ"Arial RegularO` ` `         @foreclosure"pQt!0e!O, \AZ"Arial RegularO` ` `         @post-foreclosure)+PP'1"q? $? o "r0!$0! ! WPC XX81%k81{%s3'XXXXKKKK513 ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9+%1"enO/n%"f> > "gp!9!!+'1"hO, \AZ"Arial RegularO` ` `         @beforedefault&accel"iC<T !O, \AZ"Arial RegularO` ` `         @periodofdefault&accel.-+'1!*"j G f &- "j $ $ f   v-.+1  i>  -.+1!*"kO;3 M &- "kO;!!f !!+-.+1!"! !-.+1-+'1"l9f 'O, \AZ"Arial RegularO` ` `         @default&accel."m7W,O, \AZ"Arial RegularO` ` `         @foreclosure"n~ nO, \AZ"Arial RegularO` ` `         @Equitableredemption(allstates)"pQt!0e!O, \AZ"Arial RegularO` ` `         @post-foreclosure)+PP'1"q? $? o "r0!$0! ! WPCNXX81%.#f3'XXXX,,,,519+' e.~"?AZArial?` ` `         @Accelerationofaninstallmentloan:0 ..Afteradefault,thelenderdeclarestheentirebalancedueandpayable.(requiresaclauseinthenoteormortgagesoproviding)WPCǛXX81% ,$3'XXXXKKKK ? ///???OOO___fffmmmf3?O/_??ߟ߿_?_?_?ffffO3(f3 3f1L_3f3ffL3$33fffff'3#33fLff̙fY&/!f3(f3333fu3f3f3L3L_fLff333&fJr̕uknXBf,33 f!,7ff3 3f&3?[3pT8f3'3Nf3p`ff333f3?f3f̵kfU,:.f03!fWL3-fW̷̙L3Ff̙L3Lf̙ef 3! f!"!"!efffff3Lf3f3&9 "*]t]te . 1G"` Mr \ ` U y V , ,    ~ jm jm YP G0 4 !    l W W 3  hH-)A A ]9 q_ ii ii MX :N 9Z 9Z Iz c }    M u u         ~ t          ++ ;= NP be wy           1"Mr    AV Z d s      &~ Q| | } }  + ]               *  : D H B B ? = p= Z? BA )D H L P U Y ^ ib Nf 3i j l l j g c ] T vI j= `. 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