ࡱ> ~  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}Root Entryb.@pWkPerfectOffice_MAIN&q%PerfectOffice_OBJECTS,cWkcWkSummaryInformation(|Oh+'Oh+'0L    Dale Whitman9$C:\COREL\SUITE8\PROGRAMS\PRWIN8.EXEc[ Original Slide Show  |,,,,513_,M ? 333???OOO___fffooo337I9_<u?EHLfr3Lf̙ݲ3-7%Pf$,3F3YMlf3-:%Sp&99VMrds339I?_LuP$Y,_3f@vLYfr~33?G%I[*Lk/_3f:r?DINSW\WPCq% ~ ''n("(((I|"XXXX'33' x tZX&Sy w+  WPC +2  I  .3  Acceleration# #2  I  .3  Grafv.HopeBuilding..2  A  .3  Thedefaultwasinadvertent..2  A  .3  Therewasonlyonedefault..2  A  .3  Thedefaultwasonlyabout6.5%oftheinstallmentdue..2  A  .3  Thedebtorhadthemoney..2  A  .3  Shouldct.relievetheaccel?( (2  I  .3  FHMLCv.Taylor....2  1  .3  HowisthiscasedistinguishablefromGrafv.HopeBuilding?..2  A  .3  Aconsumer,notabusiness?..2  A  .3  Distance&communicationproblems?..2  A  .3  Lenderrefusedtogivecreditforinstallmentsreceivedwhenanotherinst.waslate?# #2  I  .3  OTSregulationonlatecharges:..2  A  .3  Nomorethanonefeeforthesamelateinstallment...2  A  .3  Eachpaymentmustbeappliedtothelongestoutstandinginstallmentdue...2  A  .3  Maynotdeductlatechargesfromregularinstallmentpayments,butmustcollectthemseparately...2  A  .3  Nochargemaybeassessedunlessapaymentismorethan15dayslate.' '2  I  .3  WhyareallthosebankslocatedinSouthDakota?..2  A  .3  NationalbankshavetheauthoritytoexportfeesthataredeemedinterestunderOCCInterpretiveRule7.4001ifthelawofthestatewherethebankislocatedpermitsitsmostfavoredlendertochargethefees.2  I  .3  ..2  A  .3  Interestincludesnumericalperiodicrates,latefees,notsufficientfunds(NSF)fees,overlimitfees,annualfees,cashadvancefees,andmembershipfees...2  A  .3  Interestdoesnotincludeappraisalfees,premiumsandcommissionsattributabletoinsuranceguaranteeingrepaymentofanyextensionofcredit,finders'fees,feesfordocumentpreparationornotarization,orfeesincurredtoobtaincreditreports2  I  .3  OCCregulationwasupheldbytheSupremeCourtinSmileyv.Citibank(SouthDakota)N.A.,116S.Ct.1730(1996).#  #2  I  .3  Typical arrearagesstatute:..2  A  .3  Whenadeedoftrustisforeclosed,thetrustormaypay,anytimewithin3monthsofthefilingofthenoticeofdefault,theamountthatwouldhavebeendueintheabsenceofdefault,andallproceedingsshallbedismissed.(  (2  I  .3  Mo.Rev.Stat.408.555....2  1  .3  (onlyappliestosecondmortgages)..2  A  .3  Lendermaynotaccelerateorcommenceforeclosureuntil.......2  1  .3  theresadefault....2  1  .3  lenderissuesanoticeof righttocuretotheborrowerandallcosigners....2  1  .3  a20-dayperiodexpires..2  A  .3  Untilthen,borrowermayreinstatetheloanbypayingtheamountduewithoutacceleration.#   #2  I  .3  Otherformsofrelief:..2  A  .3  FNMA/FHLMCform:30daysrighttoreinstate..2  A  .3  OnanFHAhomemortgage,FHAmaybuytheloanfromthelenderandrestructurethepayments..2  A  .3  FmHAhassimilarprogramFOf#=SgX UyCCwUBackground TitleBullet ChartTextOrg ChartData ChartCombinationWPCKXX81%.g0d-3'XXXXaf33 ?CLT(_d6ltCQ^]ZXVTQOL,+?8LE,YR:j^IkWxfZMA4̦'ج3?L_l$,3?K+W@cVok{.3:?ELQ_\lhsp`P)@71E!S`n 3 ?4L&H_9]lLq_ȑؒ'3@LZf&sy9L_r̅҇ىߊ1% H9`Lx_$r-6?ǥRϲe׿x̋ٝ-F#W$'l6,L1Y6r:?̌O̙_եo߯经ǟӯ߿33L@_,MuFZYffs̙ҟ٥߬油9 Z/ ??@1 33333,*`-FIFIC[&dg >"#g   -ƕ. 0d1 r333,*`-FIFIC&dg >"#g WPCXX81%/3'XXXXKKKK513_,M ? 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G& &% & &8 1 Yf̙ 3̙ H$ & &8 $8 1 F-3fMx 3fMx I&8 & *% $8  J) ?*% ?*)[1 Yf̙ 3̙ K;( ) )[;([1 F-3fMx 3fMx L)[?*(;([ MP- -% -k P- 1 Yf̙ 3̙ N+ P- P- + 1 F-3fMx 3fMx OP- -k +k +   ] % ,1 F-3Cf~ 3Cf~ Q"% "z " "H 1 Yf 3 R % "% "H H 1 F-3Cf~ 3Cf~ S"H " "! H  T%% 7&z 7& %k 1 Yf 3 U2$% %% %k 2$k 1 F-3Cf~ 3Cf~ V%k 7& $ 2$k  WG)% )z ) G) 1 Yf 3 X'% G)% G) ' 1 F-3Cf~ 3Cf~ YG) ) ' '  Z,% ,z ,,B1 Yf 3 [*% ,% ,B*B1 F-3Cf~ 3Cf~ \,B,L+*B+%?13 ^!!q.+1?3 _ "O,wAZ"Arial RegularO     ?   @?  1stQtr.+13 `$$q.+1?3 aK#x&O,wAZ"Arial RegularO     ?   @?  2ndQtr.+13 bE(E(q.+1?3 c&)O,wAZ"Arial RegularO     ?   @?  3rdQtr.+13 d++q.+1?3 e.*#-O,wAZ"Arial RegularO     ?   @?  4thQtr.+13 fD.+1?3 gi[W O,wAZ"Arial RegularO     ?   @?  0.+13 h@ D@ .+1?3 i  O,wAZ"Arial RegularO     ?   @?  20.+13 j D .+1?3 k  O,wAZ"Arial RegularO     ?   @?  40.+13 lD.+1?3 m-)O,wAZ"Arial RegularO     ?   @?  60.+13 nD.+1?3 osoO,wAZ"Arial RegularO     ?   @?  80.+13 pXDX.+1?3 qaO,wAZ"Arial RegularO     ?   @?  100&7I[7J7 ZBH$ &B*%1@R DK U crj~{>3 (ž WPC@XX81%XX81%(3'XXXX,,,,9"%U.0  .0   %.0 %_,M'1 !:.O, \AZ"Arial RegularO     _,M   @  Q QO, \AZ"Arial RegularO Acceleration.+%16lt3L@ `" //L L17: `#.0.0/L/ 1 `$.0/L L WPCXX81%XX81%13'XXXXKKKK9"){t/Bt/C ` ` , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   )t/.'13 (.{ O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO` ` `      L@   @pL@        @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Thedefaultwasinadvertent3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Therewasonlyonedefault3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Thedefaultwasonlyabout6.5%oftheinstallmentdue3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Thedebtorhadthemoney3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Shouldct.relievetheaccel?WPCFXX81%XX81%13'XXXXKKKK9".VR9/# R9/#  .R9/#.%L@1p3L@ *b."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  Grafv.HopeBuilding.+%16lt `+h/h/17: `,R:/:///hh1 `-R:R//hWPC XX81%XX81%:3'XXXXKKKK9"2t&0"Bt&0"C ` ` , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   2t&0".'13 1&/O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO` ` `      L@   @pL@        @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Aconsumer,notabusiness?3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Distance&communicationproblems?3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..Lenderrefusedtogivecreditforinstallmentsreceivedwhenanotherinst.waslate?WPC@XX81%XX81%:3'XXXXKKKK9"7iR9/# R9/#  7R9/#.%L@1p3L@ 3b."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  FHMLCv.Taylor.+%16lt `4h/h/17: `5R:/:///hh1 `6R:R//hWPCXX81%XX81%:3'XXXXKKKK9"9/2/C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@)?  6ltL@ 4 @ @ @ @ @ @ f" dddddd$   9/.+%L@1 85F/tO, \AZ"Arial RegularO     L@   @L@  Q QO, \AZ"Arial RegularOHowisthiscasedistinguishablefromGrafv.HopeBuilding?WPCXX81%XX81%e3'XXXXKKKK9 j"qt/2Bt/2C , \AZ"Arial Regular +L@pL@C rr, \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" eddddd$   t/2-.)*+%'153 *7/ 25 O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO    O, \AZ"Arial RegularO     L@   @pL@0..Nomorethanonefeeforthesamelateinstallment.3O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO     L@   @pL@0..Eachpaymentmustbeappliedtothelongestoutstandinginstallmentdue.3O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO     L@   @pL@0..Maynotdeductlatechargesfromregularinstallmentpayments,butmustcollectthemseparately.3O, \AZ"Arial RegularO        @    O, \AZ"Arial RegularO     L@   @pL@0..Nochargemaybeassessedunlessapaymentismorethan15dayslate.WPCPXX81%XX81%C3'XXXXKKKK9"@2FR{/# R{/#  @R{/#.%L@1p3L@ <bP."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  OTSregulationonlatecharges:.+%16lt `=//17: `>R|/|///1 `?R|R//WPCXX81%XX81%3'XXXXKKKK9j"2Rp/#2Rp/#C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@)?  6ltL@ 4 @ @ @ @ @ @ f" dddddd$   Rp/#-.)*+%L@'1p53L@ ebE."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  Typical arrearagesstatute:.+%16lt `f//17: `gRq/q///1 `hRqR//WPC XX81%XX81%L3'XXXXKKKK9"Dxt/Bt/C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@L@C LL, \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   Dt/.'13 C*7/O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO     L@   @pL@        @    O, \AZ"Arial RegularO     L@   @pL@0X..Whenadeedoftrustisforeclosed,thetrustormaypay,anytimewithin3monthsofthefilingofthenoticeofdefault,theamountthatwouldhavebeendueintheabsenceofdefault,andallproceedingsshallbedismissed.WPC XX81%XX81%3'XXXXKKKK9j"~//B~//C ` ` , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   ~//-.)*+%'153 e.O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO` ` `      L@   @pL@        @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..FNMA/FHLMCform:30daysrighttoreinstate3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..OnanFHAhomemortgage,FHAmaybuytheloanfromthelenderandrestructurethepayments3O, \AZ"Arial RegularO` ` `         @    O, \AZ"Arial RegularO` ` `      L@   @pL@0..FmHAhassimilarprogramWPCpXX81%XX81%U3'XXXXKKKK9"R2uR9/#2R9/#C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@)?  6ltL@ 4 @ @ @ @ @ @ f" dddddd$   RR9/#.%L@1p3L@ Nb."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  Otherformsofrelief:.+%16lt `Oh/h/17: `PR:/:///hh1 `QR:R//hWPCXX81%XX81%3'XXXXKKKK9j"7+u/"Bu/"C , \AZ"Arial Regular +L@pL@C rr, \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   u/"-.)*+%'153 +:/oO, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO     L@   @pL@        @    O, \AZ"Arial RegularO     L@   @pL@0..Lendermaynotaccelerateorcommenceforeclosureuntil...O, \AZ"Arial RegularOrrr     L@   @L@..        @    O, \AZ"Arial RegularOrrr     L@   @L@0..theresadefault..O, \AZ"Arial RegularOrrr        @    O, \AZ"Arial RegularOrrr     L@   @L@0..lenderissuesanoticeof righttocuretotheborrowerandallcosigners..O, \AZ"Arial RegularOrrr        @    O, \AZ"Arial RegularOrrr     L@   @L@0..a20-dayperiodexpires3O, \AZ"Arial RegularO     L@   @pL@        @    O, \AZ"Arial RegularO     L@   @pL@0..Untilthen,borrowermayreinstatetheloanbypayingtheamountduewithoutacceleration.WPCyXX81%XX81%3'XXXXKKKK9j"FPR*/#2R*/#C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@C  , \AZ"Arial Regular +L@pL@)?  6ltL@ 4 @ @ @ @ @ @ f" dddddd$   R*/#.%L@1p3L@ eb."O, \AZ"Arial RegularO      L@   @pL@  Q QO, \AZ"Arial RegularO  Mo.Rev.Stat.408.555.+%16lt `fY/Y/17: `gR+/+///YY1 `hR+R//YWPCXX81%XX81%3'XXXXKKKK9j"O02O0C , \AZ"Arial Regular +L@fL@C , \AZ"Arial Regular +L@fL@C , \AZ"Arial Regular +L@fL@C , \AZ"Arial Regular +L@fL@C , \AZ"Arial Regular +L@fL@C , \AZ"Arial Regular +L@fL@)?  6ltL@ 4 @ @ @ @ @ @ f" dddddd$   O0.+%L@1f HO0cO, \AZ"Arial RegularO     L@   @fL@  Q QO, \AZ"Arial RegularO(onlyappliestosecondmortgages)WPC XX81%XX81%ԅ3'XXXXKKKK9 j"9t /MBt /MC , \AZ"Arial Regular +L@pL@C rr, \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@C , \AZ"Arial Regular +L@L@9-$$$$  Z6ltL@ 4 @ @ @ @ @ @ 3" dddddd$   t /M-.)*+%'153 * 4/O, \AZ"Arial RegularO        @a -$$$$aO, \AZ"Arial RegularO     L@   @pL@        @    O, \AZ"Arial RegularO     L@   @pL@0..NationalbankshavetheauthoritytoexportfeesthataredeemedinterestunderOCCInterpretiveRule7.4001ifthelawofthestatewherethebankislocatedpermitsitsmostfavoredlendertochargethefees.WPCXX81%XX81%ԅ3'XXXXKKKK9 j"tR=/#2R=/#C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@pL@C , \AZ"Arial Regular +L@pL@)? 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