home *** CD-ROM | disk | FTP | other *** search
/ PSION CD 2 / PsionCDVol2.iso / Programs / 147 / Amortization.sis next >
EPOC Installation Package  |  1998-08-11  |  12.5 KB

open in: MacOS 8.1     |     Win98     |     DOS

browse contents    |     view JSON data     |     view as text


This file was processed as: EPOC Installation Package (archive/epocInstallationPackage).

ConfidenceProgramDetectionMatch TypeSupport
100% dexvert EPOC Installation Package (archive/epocInstallationPackage) magic Supported
1% dexvert Symbian Series 3 Installation file (other/symbianSeries3InstallationFile) ext Unsupported
100% file Symbian installation file (EPOC release 3/4/5) default
99% file data default
100% TrID EPOC Installation package (rel. 2,3,5) default
100% gt2 Kopftext: ' 4 Sm' default (weak)
100% xdgMime application/vnd.symbian.install default



hex view
+--------+-------------------------+-------------------------+--------+--------+
|00000000| 20 34 20 53 6d 00 00 10 | 19 04 00 10 03 e4 5b 4f | 4 Sm...|......[O|
|00000010| 16 25 01 00 02 00 00 00 | 00 00 00 00 00 00 00 00 |.%......|........|
|00000020| 64 00 00 00 00 00 00 00 | 01 00 00 00 00 00 00 00 |d.......|........|
|00000030| 44 00 00 00 46 00 00 00 | 8e 00 00 00 00 00 00 00 |D...F...|........|
|00000040| 8e 00 00 00 01 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00000050| 00 00 17 00 00 00 96 00 | 00 00 26 00 00 00 ad 00 |........|..&.....|
|00000060| 00 00 90 2e 00 00 1a 01 | 00 00 00 00 00 00 01 00 |........|........|
|00000070| 00 00 02 00 00 00 12 00 | 00 00 d3 00 00 00 21 00 |........|......!.|
|00000080| 00 00 e5 00 00 00 88 02 | 00 00 aa 2f 00 00 14 00 |........|.../....|
|00000090| 00 00 06 01 00 00 43 3a | 5c 53 69 73 74 65 6d 70 |......C:|\Sistemp|
|000000a0| 5c 41 6d 6f 72 74 69 7a | 61 74 69 6f 6e 21 3a 5c |\Amortiz|ation!:\|
|000000b0| 50 73 69 6f 6e 35 43 44 | 31 5c 41 6d 6f 72 74 69 |Psion5CD|1\Amorti|
|000000c0| 7a 61 74 69 6f 6e 5c 41 | 6d 6f 72 74 69 7a 61 74 |zation\A|mortizat|
|000000d0| 69 6f 6e 43 3a 5c 53 69 | 73 74 65 6d 70 5c 42 69 |ionC:\Si|stemp\Bi|
|000000e0| 73 2e 74 78 74 21 3a 5c | 50 73 69 6f 6e 35 43 44 |s.txt!:\|Psion5CD|
|000000f0| 31 5c 41 6d 6f 72 74 69 | 7a 61 74 69 6f 6e 5c 42 |1\Amorti|zation\B|
|00000100| 69 73 2e 74 78 74 41 6d | 6f 72 74 69 7a 61 74 69 |is.txtAm|ortizati|
|00000110| 6f 6e 20 31 31 2e 36 20 | 6b 42 50 00 00 10 6d 00 |on 11.6 |kBP...m.|
|00000120| 00 10 86 00 00 10 fe a1 | 08 55 b0 58 00 00 00 00 |........|.U.X....|
|00000130| 00 00 e4 2d 00 00 59 2d | 06 40 00 00 00 00 00 00 |...-..Y-|.@......|
|00000140| 01 00 00 0d 40 86 00 00 | 10 22 44 61 74 61 2e 61 |....@...|."Data.a|
|00000150| 70 70 31 40 0c 89 00 00 | 10 05 00 00 00 2e 01 00 |pp1@....|........|
|00000160| 10 07 00 00 00 31 01 00 | 10 08 00 00 00 32 01 00 |.....1..|.....2..|
|00000170| 10 09 00 00 00 33 01 00 | 10 0a 00 00 00 37 01 00 |.....3..|.....7..|
|00000180| 10 0b 00 00 00 0d 40 03 | 00 00 00 b0 01 00 00 60 |......@.|.......`|
|00000190| 00 00 00 00 06 40 07 4b | 02 02 02 00 0e 40 80 01 |.....@.K|.....@..|
|000001a0| 00 70 90 01 00 70 02 60 | 00 00 00 00 09 40 00 00 |.p...p.`|.....@..|
|000001b0| 00 00 00 00 00 00 00 09 | 00 00 00 00 00 00 00 ff |........|........|
|000001c0| ff ff 41 41 41 20 6d 6f | 72 74 67 61 67 65 20 74 |..AAA mo|rtgage t|
|000001d0| 68 61 74 20 63 6f 6d 62 | 69 6e 65 73 20 74 68 65 |hat comb|ines the|
|000001e0| 20 61 6d 6f 75 6e 74 20 | 74 68 65 20 62 6f 72 72 | amount |the borr|
|000001f0| 6f 77 65 72 20 6f 77 65 | 73 20 75 6e 64 65 72 20 |ower owe|s under |
|00000200| 61 6e 20 65 78 69 73 74 | 69 6e 67 20 6d 6f 72 74 |an exist|ing mort|
|00000210| 67 61 67 65 20 77 69 74 | 68 20 61 64 64 69 74 69 |gage wit|h additi|
|00000220| 6f 6e 61 6c 20 6d 6f 72 | 74 67 61 67 65 20 6d 6f |onal mor|tgage mo|
|00000230| 6e 65 79 20 72 65 71 75 | 69 72 65 64 20 62 79 20 |ney requ|ired by |
|00000240| 74 68 65 20 62 6f 72 72 | 6f 77 65 72 2e 20 54 68 |the borr|ower. Th|
|00000250| 65 20 69 6e 74 65 72 65 | 73 74 20 72 61 74 65 20 |e intere|st rate |
|00000260| 66 6f 72 20 74 68 65 20 | 6e 65 77 20 61 6d 6f 75 |for the |new amou|
|00000270| 6e 74 20 62 6f 72 72 6f | 77 65 64 20 69 73 20 61 |nt borro|wed is a|
|00000280| 20 22 62 6c 65 6e 64 22 | 20 28 6f 72 20 63 6f 6d | "blend"| (or com|
|00000290| 62 69 6e 61 74 69 6f 6e | 29 20 6f 66 20 74 68 65 |bination|) of the|
|000002a0| 20 69 6e 74 65 72 65 73 | 74 20 72 61 74 65 20 6f | interes|t rate o|
|000002b0| 66 20 74 68 65 20 22 6f | 6c 64 20 6d 6f 72 74 67 |f the "o|ld mortg|
|000002c0| 61 67 65 22 20 61 6e 64 | 20 74 68 65 20 69 6e 74 |age" and| the int|
|000002d0| 65 72 65 73 74 20 72 61 | 74 65 20 66 6f 72 20 74 |erest ra|te for t|
|000002e0| 68 65 20 61 64 64 69 74 | 69 6f 6e 61 6c 20 61 6d |he addit|ional am|
|000002f0| 6f 75 6e 74 20 74 6f 20 | 62 65 20 62 6f 72 72 6f |ount to |be borro|
|00000300| 77 65 64 2e 06 29 41 41 | 20 72 65 67 75 6c 61 72 |wed..)AA| regular|
|00000310| 20 69 6e 73 74 61 6c 6c | 6d 65 6e 74 20 70 61 79 | install|ment pay|
|00000320| 6d 65 6e 74 20 63 6f 6d | 70 6f 73 65 64 20 6f 66 |ment com|posed of|
|00000330| 20 62 6f 74 68 20 50 72 | 69 6e 63 69 70 61 6c 20 | both Pr|incipal |
|00000340| 61 6e 64 20 49 6e 74 65 | 72 65 73 74 20 69 6e 20 |and Inte|rest in |
|00000350| 77 68 69 63 68 20 70 61 | 72 74 20 6f 66 20 74 68 |which pa|rt of th|
|00000360| 65 20 6d 6f 6e 65 79 20 | 72 65 63 65 69 76 65 64 |e money |received|
|00000370| 20 69 73 20 61 70 70 6c | 69 65 64 20 74 6f 77 61 | is appl|ied towa|
|00000380| 72 64 20 74 68 65 20 70 | 72 69 6e 63 69 70 61 6c |rd the p|rincipal|
|00000390| 20 6f 66 20 74 68 65 20 | 6c 6f 61 6e 20 61 6e 64 | of the |loan and|
|000003a0| 20 70 61 72 74 20 69 73 | 20 70 75 74 20 74 6f 20 | part is| put to |
|000003b0| 70 61 79 20 74 68 65 20 | 69 6e 74 65 72 65 73 74 |pay the |interest|
|000003c0| 2e 20 54 68 69 73 20 69 | 73 20 74 68 65 20 6e 6f |. This i|s the no|
|000003d0| 72 6d 20 66 6f 72 20 6d | 6f 72 74 67 61 67 65 20 |rm for m|ortgage |
|000003e0| 70 61 79 6d 65 6e 74 73 | 2e 20 42 6c 65 6e 64 65 |payments|. Blende|
|000003f0| 64 20 70 61 79 6d 65 6e | 74 73 20 61 72 65 20 73 |d paymen|ts are s|
|00000400| 65 70 61 72 61 74 65 20 | 66 72 6f 6d 20 74 68 65 |eparate |from the|
|00000410| 20 63 6f 6e 63 65 70 74 | 20 6f 66 20 61 20 42 6c | concept| of a Bl|
|00000420| 65 6e 64 65 64 20 6d 6f | 72 74 67 61 67 65 2e 06 |ended mo|rtgage..|
|00000430| 0c 41 54 68 65 20 43 61 | 6e 61 64 61 20 4d 6f 72 |.AThe Ca|nada Mor|
|00000440| 74 67 61 67 65 20 61 6e | 64 20 48 6f 75 73 69 6e |tgage an|d Housin|
|00000450| 67 20 43 6f 72 70 6f 72 | 61 74 69 6f 6e 20 69 73 |g Corpor|ation is|
|00000460| 20 61 20 66 65 64 65 72 | 61 6c 20 43 72 6f 77 6e | a feder|al Crown|
|00000470| 20 63 6f 72 70 6f 72 61 | 74 69 6f 6e 20 65 73 74 | corpora|tion est|
|00000480| 61 62 6c 69 73 68 65 64 | 20 75 6e 64 65 72 20 74 |ablished| under t|
|00000490| 68 65 20 4e 61 74 69 6f | 6e 61 6c 20 48 6f 75 73 |he Natio|nal Hous|
|000004a0| 69 6e 67 20 41 63 74 2e | 20 43 4d 48 43 27 73 20 |ing Act.| CMHC's |
|000004b0| 73 65 72 76 69 63 65 73 | 20 69 6e 63 6c 75 64 65 |services| include|
|000004c0| 20 70 72 6f 76 69 64 69 | 6e 67 20 68 6f 75 73 69 | providi|ng housi|
|000004d0| 6e 67 20 69 6e 66 6f 72 | 6d 61 74 69 6f 6e 20 61 |ng infor|mation a|
|000004e0| 6e 64 20 61 73 73 69 73 | 74 61 6e 63 65 20 74 6f |nd assis|tance to|
|000004f0| 20 63 6f 6e 73 75 6d 65 | 72 73 20 61 6e 64 20 70 | consume|rs and p|
|00000500| 72 6f 76 69 64 69 6e 67 | 20 6d 6f 72 74 67 61 67 |roviding| mortgag|
|00000510| 65 20 64 65 66 61 75 6c | 74 20 69 6e 73 75 72 61 |e defaul|t insura|
|00000520| 6e 63 65 20 66 6f 72 20 | 68 69 67 68 20 72 61 74 |nce for |high rat|
|00000530| 69 6f 20 6d 6f 72 74 67 | 61 67 65 73 2e 06 25 41 |io mortg|ages..%A|
|00000540| 41 20 73 75 6d 20 6f 66 | 20 63 61 73 68 20 74 68 |A sum of| cash th|
|00000550| 61 74 20 69 73 20 72 65 | 71 75 69 72 65 64 20 74 |at is re|quired t|
|00000560| 6f 20 62 65 20 70 61 69 | 64 20 74 6f 20 74 68 65 |o be pai|d to the|
|00000570| 20 76 65 6e 64 6f 72 20 | 62 79 20 74 68 65 20 70 | vendor |by the p|
|00000580| 75 72 63 68 61 73 65 72 | 2e 20 54 68 69 73 20 6d |urchaser|. This m|
|00000590| 6f 6e 65 79 20 69 73 20 | 61 20 73 79 6d 62 6f 6c |oney is |a symbol|
|000005a0| 20 6f 66 20 74 68 65 20 | 70 75 72 63 68 61 73 65 | of the |purchase|
|000005b0| 72 27 73 20 63 6f 6d 6d | 69 74 6d 65 6e 74 20 74 |r's comm|itment t|
|000005c0| 6f 20 62 75 79 2e 20 49 | 66 20 74 68 65 20 6f 66 |o buy. I|f the of|
|000005d0| 66 65 72 20 69 73 20 61 | 63 63 65 70 74 65 64 2c |fer is a|ccepted,|
|000005e0| 20 74 68 65 20 64 65 70 | 6f 73 69 74 20 69 73 20 | the dep|osit is |
|000005f0| 61 70 70 6c 69 65 64 20 | 74 6f 20 74 68 65 20 64 |applied |to the d|
|00000600| 6f 77 6e 20 70 61 79 6d | 65 6e 74 2e 20 49 66 20 |own paym|ent. If |
|00000610| 74 68 65 20 6f 66 66 65 | 72 20 69 73 20 6c 61 74 |the offe|r is lat|
|00000620| 65 72 20 74 75 72 6e 65 | 64 20 64 6f 77 6e 20 62 |er turne|d down b|
|00000630| 79 20 74 68 65 20 62 75 | 79 65 72 2c 20 74 68 65 |y the bu|yer, the|
|00000640| 20 64 65 70 6f 73 69 74 | 20 6d 61 79 20 6f 72 20 | deposit| may or |
|00000650| 6d 61 79 20 6e 6f 74 20 | 62 65 20 72 65 74 75 72 |may not |be retur|
|00000660| 6e 65 64 2e 06 f5 47 10 | 00 00 00 ff ff 55 03 81 |ned...G.|.....U..|
|00000670| 03 35 03 56 34 44 05 04 | 1c 81 02 5d 02 ce f9 03 |.5.V4D..|...]....|
|00000680| 6d 02 ba 74 22 0d 0c 41 | 6d 6f 72 74 69 7a 61 74 |m..t"..A|mortizat|
|00000690| 69 6f 6e c6 57 69 74 68 | 20 61 20 6d 6f 72 74 67 |ion.With| a mortg|
|000006a0| 61 67 65 2c 20 74 68 65 | 20 62 6f 72 72 6f 77 65 |age, the| borrowe|
|000006b0| 72 20 61 67 72 65 65 73 | 20 74 6f 20 70 61 79 20 |r agrees| to pay |
|000006c0| 62 61 63 6b 20 74 68 65 | 20 61 6d 6f 75 6e 74 20 |back the| amount |
|000006d0| 62 6f 72 72 6f 77 65 64 | 20 6f 76 65 72 20 61 20 |borrowed| over a |
|000006e0| 70 65 72 69 6f 64 20 6f | 66 20 74 69 6d 65 2e 20 |period o|f time. |
|000006f0| 54 68 69 73 20 62 72 65 | 61 6b 69 6e 67 20 6f 66 |This bre|aking of|
|00000700| 20 74 68 65 20 6c 6f 61 | 6e 20 69 6e 74 6f 20 73 | the loa|n into s|
|00000710| 6d 61 6c 6c 65 72 20 70 | 61 72 74 73 20 74 6f 20 |maller p|arts to |
|00000720| 62 65 20 70 61 69 64 20 | 62 61 63 6b 20 6f 76 65 |be paid |back ove|
|00000730| 72 20 75 6e 69 66 6f 72 | 6d 20 62 6c 6f 63 6b 73 |r unifor|m blocks|
|00000740| 20 6f 66 20 74 69 6d 65 | 20 69 73 20 61 6d 6f 72 | of time| is amor|
|00000750| 74 69 7a 61 74 69 6f 6e | 2e 06 0d 13 41 6d 6f 72 |tization|....Amor|
|00000760| 74 69 7a 61 74 69 6f 6e | 20 50 65 72 69 6f 64 ca |tization| Period.|
|00000770| 54 68 65 20 61 63 74 75 | 61 6c 20 6e 75 6d 62 65 |The actu|al numbe|
|00000780| 72 20 6f 66 20 79 65 61 | 72 73 20 69 74 20 77 69 |r of yea|rs it wi|
|00000790| 6c 6c 20 74 61 6b 65 20 | 74 6f 20 72 65 70 61 79 |ll take |to repay|
|000007a0| 20 61 20 6d 6f 72 74 67 | 61 67 65 20 69 6e 20 66 | a mortg|age in f|
|000007b0| 75 6c 6c 2e 20 54 68 69 | 73 20 70 65 72 69 6f 64 |ull. Thi|s period|
|000007c0| 20 63 61 6e 20 62 65 20 | 6c 6f 6e 67 65 72 20 74 | can be |longer t|
|000007d0| 68 61 6e 20 74 68 65 20 | 6c 6f 61 6e 27 73 20 74 |han the |loan's t|
|000007e0| 65 72 6d 2e 20 46 6f 72 | 20 65 78 61 6d 70 6c 65 |erm. For| example|
|000007f0| 2c 20 61 20 6d 6f 72 74 | 67 61 67 65 20 6d 61 79 |, a mort|gage may|
|00000800| 20 68 61 76 65 20 61 20 | 66 69 76 65 2d 79 65 61 | have a |five-yea|
|00000810| 72 20 74 65 72 6d 20 61 | 6e 64 20 61 20 32 35 20 |r term a|nd a 25 |
|00000820| 79 65 61 72 20 61 6d 6f | 72 74 69 7a 61 74 69 6f |year amo|rtizatio|
|00000830| 6e 20 70 65 72 69 6f 64 | 2e 06 0d 0f 41 70 70 72 |n period|....Appr|
|00000840| 61 69 73 65 64 20 56 61 | 6c 75 65 bb 41 6e 20 65 |aised Va|lue.An e|
|00000850| 73 74 69 6d 61 74 65 20 | 6f 66 20 74 68 65 20 6d |stimate |of the m|
|00000860| 61 72 6b 65 74 20 76 61 | 6c 75 65 20 6f 66 20 74 |arket va|lue of t|
|00000870| 68 65 20 68 6f 6d 65 20 | 28 61 6e 64 20 70 72 6f |he home |(and pro|
|00000880| 70 65 72 74 79 29 20 74 | 68 61 74 20 74 68 65 20 |perty) t|hat the |
|00000890| 62 6f 72 72 6f 77 65 72 | 20 70 6c 65 64 67 65 73 |borrower| pledges|
|000008a0| 20 61 73 20 73 65 63 75 | 72 69 74 79 20 66 6f 72 | as secu|rity for|
|000008b0| 20 74 68 65 20 6d 6f 72 | 74 67 61 67 65 2e 20 54 | the mor|tgage. T|
|000008c0| 68 69 73 20 76 61 6c 75 | 65 20 6d 61 79 20 62 65 |his valu|e may be|
|000008d0| 20 6d 6f 72 65 20 6f 72 | 20 6c 65 73 73 20 74 68 | more or| less th|
|000008e0| 61 6e 20 74 68 65 20 70 | 75 72 63 68 61 73 65 20 |an the p|urchase |
|000008f0| 70 72 69 63 65 20 6f 66 | 20 74 68 65 20 70 72 6f |price of| the pro|
|00000900| 70 65 72 74 79 2e 06 0d | 06 41 73 73 65 74 73 22 |perty...|.Assets"|
|00000910| 54 68 65 20 74 68 69 6e | 67 73 20 6f 66 20 76 61 |The thin|gs of va|
|00000920| 6c 75 65 20 74 68 61 74 | 20 79 6f 75 20 6f 77 6e |lue that| you own|
|00000930| 2e 06 05 10 42 6c 65 6e | 64 65 64 20 4d 6f 72 74 |....Blen|ded Mort|
|00000940| 67 61 67 65 0c 00 00 00 | 41 01 00 00 05 18 42 6c |gage....|A.....Bl|
|00000950| 65 6e 64 65 64 20 4d 6f | 72 74 67 61 67 65 20 50 |ended Mo|rtgage P|
|00000960| 61 79 6d 65 6e 74 0d 00 | 00 00 29 01 00 00 0d 10 |ayment..|..).....|
|00000970| 42 72 69 64 67 65 20 46 | 69 6e 61 6e 63 69 6e 67 |Bridge F|inancing|
|00000980| ee 41 20 6c 6f 61 6e 20 | 6d 61 64 65 20 66 6f 72 |.A loan |made for|
|00000990| 20 61 20 73 68 6f 72 74 | 20 74 65 72 6d 2c 20 74 | a short| term, t|
|000009a0| 6f 20 22 62 72 69 64 67 | 65 22 20 28 6f 72 20 63 |o "bridg|e" (or c|
|000009b0| 6f 76 65 72 29 20 74 68 | 65 20 74 69 6d 65 20 67 |over) th|e time g|
|000009c0| 61 70 20 62 65 74 77 65 | 65 6e 20 63 6f 6d 70 6c |ap betwe|en compl|
|000009d0| 65 74 69 6e 67 20 74 68 | 65 20 70 75 72 63 68 61 |eting th|e purcha|
|000009e0| 73 65 20 6f 66 20 6f 6e | 65 20 70 72 6f 70 65 72 |se of on|e proper|
|000009f0| 74 79 20 61 6e 64 20 66 | 69 6e 61 6c 69 7a 69 6e |ty and f|inalizin|
|00000a00| 67 20 61 72 72 61 6e 67 | 65 6d 65 6e 74 73 20 74 |g arrang|ements t|
|00000a10| 6f 20 70 61 79 20 66 6f | 72 20 69 74 2e 20 54 68 |o pay fo|r it. Th|
|00000a20| 65 20 6e 65 65 64 20 66 | 6f 72 20 74 68 69 73 20 |e need f|or this |
|00000a30| 74 79 70 65 20 6f 66 20 | 66 69 6e 61 6e 63 69 6e |type of |financin|
|00000a40| 67 20 6f 66 74 65 6e 20 | 72 65 73 75 6c 74 73 20 |g often |results |
|00000a50| 66 72 6f 6d 20 6d 69 73 | 6d 61 74 63 68 65 64 20 |from mis|matched |
|00000a60| 63 6c 6f 73 69 6e 67 20 | 64 61 74 65 73 2e 06 05 |closing |dates...|
|00000a70| 04 43 4d 48 43 0e 00 00 | 00 0c 01 00 00 0d 0e 43 |.CMHC...|.......C|
|00000a80| 61 72 72 79 69 6e 67 20 | 43 6f 73 74 73 8f 54 68 |arrying |Costs.Th|
|00000a90| 65 20 65 78 70 65 6e 73 | 65 73 20 6f 66 20 6c 69 |e expens|es of li|
|00000aa0| 76 69 6e 67 20 69 6e 2c | 20 61 6e 64 20 6d 61 69 |ving in,| and mai|
|00000ab0| 6e 74 61 69 6e 69 6e 67 | 20 61 20 68 6f 6d 65 20 |ntaining| a home |
|00000ac0| 28 61 6e 64 20 70 72 6f | 70 65 72 74 79 29 2e 20 |(and pro|perty). |
|00000ad0| 54 68 69 73 20 69 6e 63 | 6c 75 64 65 73 20 6d 6f |This inc|ludes mo|
|00000ae0| 72 74 67 61 67 65 20 70 | 61 79 6d 65 6e 74 73 2c |rtgage p|ayments,|
|00000af0| 20 70 72 6f 70 65 72 74 | 79 20 74 61 78 65 73 2c | propert|y taxes,|
|00000b00| 20 68 65 61 74 69 6e 67 | 2c 20 72 65 70 61 69 72 | heating|, repair|
|00000b10| 73 20 61 6e 64 20 73 6f | 20 6f 6e 2e 06 0d 0f 43 |s and so| on....C|
|00000b20| 6c 6f 73 65 64 20 4d 6f | 72 74 67 61 67 65 85 41 |losed Mo|rtgage.A|
|00000b30| 20 6d 6f 72 74 67 61 67 | 65 20 74 68 61 74 20 63 | mortgag|e that c|
|00000b40| 61 6e 6e 6f 74 20 62 65 | 20 70 72 65 70 61 69 64 |annot be| prepaid|
|00000b50| 2c 20 6f 72 20 72 65 6e | 65 67 6f 74 69 61 74 65 |, or ren|egotiate|
|00000b60| 64 2c 20 75 6e 6c 65 73 | 73 20 74 68 65 20 6c 65 |d, unles|s the le|
|00000b70| 6e 64 65 72 20 61 67 72 | 65 65 73 20 61 6e 64 20 |nder agr|ees and |
|00000b80| 74 68 65 20 62 6f 72 72 | 6f 77 65 72 20 69 73 20 |the borr|ower is |
|00000b90| 77 69 6c 6c 69 6e 67 20 | 74 6f 20 70 61 79 20 61 |willing |to pay a|
|00000ba0| 6e 20 69 6e 74 65 72 65 | 73 74 20 70 65 6e 61 6c |n intere|st penal|
|00000bb0| 74 79 2e 06 0d 0c 43 6c | 6f 73 69 6e 67 20 44 61 |ty....Cl|osing Da|
|00000bc0| 74 65 58 54 68 65 20 64 | 61 74 65 20 74 68 65 20 |teXThe d|ate the |
|00000bd0| 70 75 72 63 68 61 73 65 | 20 6f 66 20 74 68 65 20 |purchase| of the |
|00000be0| 70 72 6f 70 65 72 74 79 | 20 62 65 63 6f 6d 65 73 |property| becomes|
|00000bf0| 20 66 69 6e 61 6c 20 61 | 6e 64 20 74 68 65 20 6e | final a|nd the n|
|00000c00| 65 77 20 6f 77 6e 65 72 | 20 74 61 6b 65 73 20 70 |ew owner| takes p|
|00000c10| 6f 73 73 65 73 73 69 6f | 6e 2e 06 0d 13 43 6f 6c |ossessio|n....Col|
|00000c20| 6c 61 74 65 72 61 6c 20 | 4d 6f 72 74 67 61 67 65 |lateral |Mortgage|
|00000c30| e8 41 20 6c 6f 61 6e 20 | 65 76 69 64 65 6e 63 65 |.A loan |evidence|
|00000c40| 64 20 62 79 20 61 20 70 | 72 6f 6d 69 73 73 6f 72 |d by a p|romissor|
|00000c50| 79 20 6e 6f 74 65 20 61 | 6e 64 20 62 61 63 6b 65 |y note a|nd backe|
|00000c60| 64 20 62 79 20 74 68 65 | 20 63 6f 6c 6c 61 74 65 |d by the| collate|
|00000c70| 72 61 6c 20 73 65 63 75 | 72 69 74 79 20 6f 66 20 |ral secu|rity of |
|00000c80| 61 20 6d 6f 72 74 67 61 | 67 65 20 6f 6e 20 61 20 |a mortga|ge on a |
|00000c90| 70 72 6f 70 65 72 74 79 | 2e 20 54 68 65 20 6d 6f |property|. The mo|
|00000ca0| 6e 65 79 20 62 6f 72 72 | 6f 77 65 64 20 69 73 20 |ney borr|owed is |
|00000cb0| 67 65 6e 65 72 61 6c 6c | 79 20 75 73 65 64 20 66 |generall|y used f|
|00000cc0| 6f 72 20 61 20 70 75 72 | 70 6f 73 65 20 6f 74 68 |or a pur|pose oth|
|00000cd0| 65 72 20 74 68 61 6e 20 | 74 68 65 20 70 75 72 63 |er than |the purc|
|00000ce0| 68 61 73 65 20 6f 66 20 | 61 20 68 6f 6d 65 2c 20 |hase of |a home, |
|00000cf0| 73 75 63 68 20 61 73 20 | 61 20 76 61 63 61 74 69 |such as |a vacati|
|00000d00| 6f 6e 2c 20 6f 72 20 68 | 6f 6d 65 20 72 65 6e 6f |on, or h|ome reno|
|00000d10| 76 61 74 69 6f 6e 73 2e | 06 0d 15 43 6f 6e 76 65 |vations.|...Conve|
|00000d20| 6e 74 69 6f 6e 61 6c 20 | 4d 6f 72 74 67 61 67 65 |ntional |Mortgage|
|00000d30| 83 41 20 66 69 72 73 74 | 20 6d 6f 72 74 67 61 67 |.A first| mortgag|
|00000d40| 65 20 66 6f 72 20 74 68 | 65 20 70 75 72 63 68 61 |e for th|e purcha|
|00000d50| 73 65 20 6f 66 20 61 20 | 68 6f 6d 65 2c 20 6f 66 |se of a |home, of|
|00000d60| 20 75 70 20 74 6f 20 37 | 35 25 20 6f 66 20 74 68 | up to 7|5% of th|
|00000d70| 65 20 70 72 6f 70 65 72 | 74 79 27 73 20 61 70 70 |e proper|ty's app|
|00000d80| 72 61 69 73 65 64 20 76 | 61 6c 75 65 20 6f 72 20 |raised v|alue or |
|00000d90| 70 75 72 63 68 61 73 65 | 20 70 72 69 63 65 2c 20 |purchase| price, |
|00000da0| 77 68 69 63 68 65 76 65 | 72 20 69 73 20 6c 6f 77 |whicheve|r is low|
|00000db0| 65 72 2e 06 0d 04 44 65 | 65 64 56 41 20 6c 65 67 |er....De|edVA leg|
|00000dc0| 61 6c 20 64 6f 63 75 6d | 65 6e 74 20 74 68 61 74 |al docum|ent that|
|00000dd0| 20 74 72 61 6e 73 66 65 | 72 73 20 61 6e 64 20 65 | transfe|rs and e|
|00000de0| 76 69 64 65 6e 63 65 73 | 20 6f 77 6e 65 72 73 68 |vidences| ownersh|
|00000df0| 69 70 20 6f 66 20 74 68 | 65 20 70 72 6f 70 65 72 |ip of th|e proper|
|00000e00| 74 79 20 74 6f 20 74 68 | 65 20 62 75 79 65 72 2e |ty to th|e buyer.|
|00000e10| 06 0d 07 44 65 66 61 75 | 6c 74 30 46 61 69 6c 75 |...Defau|lt0Failu|
|00000e20| 72 65 20 74 6f 20 72 65 | 70 61 79 20 61 6e 20 6f |re to re|pay an o|
|00000e30| 75 74 73 74 61 6e 64 69 | 6e 67 20 64 65 62 74 20 |utstandi|ng debt |
|00000e40| 61 73 20 61 67 72 65 65 | 64 2e 06 05 07 44 65 70 |as agree|d....Dep|
|00000e50| 6f 73 69 74 0f 00 00 00 | 25 01 00 00 24 41 54 68 |osit....|%...$ATh|
|00000e60| 65 20 70 65 72 63 65 6e | 74 61 67 65 20 6f 66 20 |e percen|tage of |
|00000e70| 61 20 62 6f 72 72 6f 77 | 65 72 27 73 20 67 72 6f |a borrow|er's gro|
|00000e80| 73 73 20 6d 6f 6e 74 68 | 6c 79 20 69 6e 63 6f 6d |ss month|ly incom|
|00000e90| 65 20 74 68 61 74 20 63 | 61 6e 20 62 65 20 75 73 |e that c|an be us|
|00000ea0| 65 64 20 74 6f 20 70 61 | 79 20 74 68 65 20 68 6f |ed to pa|y the ho|
|00000eb0| 75 73 69 6e 67 20 63 6f | 73 74 73 2c 20 69 6e 63 |using co|sts, inc|
|00000ec0| 6c 75 64 69 6e 67 20 6d | 6f 6e 74 68 6c 79 20 6d |luding m|onthly m|
|00000ed0| 6f 72 74 67 61 67 65 20 | 70 61 79 6d 65 6e 74 20 |ortgage |payment |
|00000ee0| 28 70 72 69 6e 63 69 70 | 61 6c 20 61 6e 64 20 69 |(princip|al and i|
|00000ef0| 6e 74 65 72 65 73 74 29 | 2c 20 68 65 61 74 69 6e |nterest)|, heatin|
|00000f00| 67 20 63 6f 73 74 73 20 | 61 6e 64 20 70 72 6f 70 |g costs |and prop|
|00000f10| 65 72 74 79 20 74 61 78 | 65 73 20 28 61 6e 64 20 |erty tax|es (and |
|00000f20| 63 6f 6e 64 6f 6d 69 6e | 69 75 6d 20 66 65 65 73 |condomin|ium fees|
|00000f30| 20 77 68 65 6e 20 61 70 | 70 6c 69 63 61 62 6c 65 | when ap|plicable|
|00000f40| 29 2e 20 54 68 65 20 74 | 6f 74 61 6c 20 73 68 6f |). The t|otal sho|
|00000f50| 75 6c 64 20 6e 6f 74 20 | 62 65 20 6d 6f 72 65 20 |uld not |be more |
|00000f60| 74 68 61 6e 20 33 32 25 | 20 6f 66 20 6d 6f 6e 74 |than 32%| of mont|
|00000f70| 68 6c 79 20 67 72 6f 73 | 73 20 69 6e 63 6f 6d 65 |hly gros|s income|
|00000f80| 2e 06 99 41 54 68 65 20 | 6c 65 6e 67 74 68 20 6f |...AThe |length o|
|00000f90| 66 20 74 69 6d 65 20 61 | 20 6c 65 6e 64 65 72 20 |f time a| lender |
|00000fa0| 77 69 6c 6c 20 6c 65 6e | 64 20 6d 6f 72 74 67 61 |will len|d mortga|
|00000fb0| 67 65 20 66 75 6e 64 73 | 20 74 6f 20 61 20 62 6f |ge funds| to a bo|
|00000fc0| 72 72 6f 77 65 72 2e 20 | 4d 6f 73 74 20 6d 6f 72 |rrower. |Most mor|
|00000fd0| 74 67 61 67 65 20 74 65 | 72 6d 73 20 72 75 6e 20 |tgage te|rms run |
|00000fe0| 66 72 6f 6d 20 73 69 78 | 20 6d 6f 6e 74 68 73 20 |from six| months |
|00000ff0| 74 6f 20 66 69 76 65 20 | 79 65 61 72 73 2e 20 43 |to five |years. C|
|00001000| 65 72 74 61 69 6e 20 6c | 65 6e 64 65 72 73 20 6d |ertain l|enders m|
|00001010| 61 79 20 6f 66 66 65 72 | 20 6c 6f 6e 67 65 72 20 |ay offer| longer |
|00001020| 74 65 72 6d 73 20 28 65 | 67 2e 20 37 20 6f 72 20 |terms (e|g. 7 or |
|00001030| 31 30 20 79 65 61 72 73 | 29 2e 20 41 66 74 65 72 |10 years|). After|
|00001040| 20 74 68 69 73 20 70 65 | 72 69 6f 64 2c 20 74 68 | this pe|riod, th|
|00001050| 65 20 62 6f 72 72 6f 77 | 65 72 20 63 61 6e 20 65 |e borrow|er can e|
|00001060| 69 74 68 65 72 20 72 65 | 70 61 79 20 74 68 65 20 |ither re|pay the |
|00001070| 62 61 6c 61 6e 63 65 20 | 28 74 68 65 20 72 65 6d |balance |(the rem|
|00001080| 61 69 6e 69 6e 67 20 70 | 72 69 6e 63 69 70 61 6c |aining p|rincipal|
|00001090| 20 70 6c 75 73 20 69 6e | 74 65 72 65 73 74 29 20 | plus in|terest) |
|000010a0| 6f 66 20 74 68 65 20 6d | 6f 72 74 67 61 67 65 2c |of the m|ortgage,|
|000010b0| 20 6f 72 20 72 65 6e 65 | 77 20 74 68 65 20 6d 6f | or rene|w the mo|
|000010c0| 72 74 67 61 67 65 20 66 | 6f 72 20 61 6e 6f 74 68 |rtgage f|or anoth|
|000010d0| 65 72 20 74 65 72 6d 2e | 20 54 68 65 20 74 6f 74 |er term.| The tot|
|000010e0| 61 6c 20 6c 65 6e 67 74 | 68 20 6f 66 20 61 20 6d |al lengt|h of a m|
|000010f0| 6f 72 74 67 61 67 65 20 | 69 73 20 75 73 75 61 6c |ortgage |is usual|
|00001100| 6c 79 20 6d 61 64 65 20 | 75 70 20 6f 66 20 73 65 |ly made |up of se|
|00001110| 76 65 72 61 6c 20 74 65 | 72 6d 73 2e 06 3e 41 54 |veral te|rms..>AT|
|00001120| 68 65 20 70 65 72 63 65 | 6e 74 61 67 65 20 6f 66 |he perce|ntage of|
|00001130| 20 61 20 62 6f 72 72 6f | 77 65 72 27 73 20 67 72 | a borro|wer's gr|
|00001140| 6f 73 73 20 28 62 65 66 | 6f 72 65 20 74 61 78 29 |oss (bef|ore tax)|
|00001150| 20 6d 6f 6e 74 68 6c 79 | 20 69 6e 63 6f 6d 65 20 | monthly| income |
|00001160| 6e 65 65 64 65 64 20 74 | 6f 20 63 6f 76 65 72 20 |needed t|o cover |
|00001170| 70 61 79 6d 65 6e 74 73 | 20 66 6f 72 20 68 6f 75 |payments| for hou|
|00001180| 73 69 6e 67 20 63 6f 73 | 74 73 20 28 70 72 69 6e |sing cos|ts (prin|
|00001190| 63 69 70 61 6c 2c 20 69 | 6e 74 65 72 65 73 74 2c |cipal, i|nterest,|
|000011a0| 20 74 61 78 65 73 2c 20 | 63 6f 6e 64 6f 6d 69 6e | taxes, |condomin|
|000011b0| 69 75 6d 20 66 65 65 73 | 2c 20 68 65 61 74 69 6e |ium fees|, heatin|
|000011c0| 67 20 63 6f 73 74 73 29 | 20 61 6e 64 20 61 6c 6c |g costs)| and all|
|000011d0| 20 6f 74 68 65 72 20 64 | 65 62 74 73 20 61 6e 64 | other d|ebts and|
|000011e0| 20 6f 62 6c 69 67 61 74 | 69 6f 6e 73 20 28 74 79 | obligat|ions (ty|
|000011f0| 70 69 63 61 6c 6c 79 20 | 6c 6f 61 6e 73 20 61 6e |pically |loans an|
|00001200| 64 20 63 72 65 64 69 74 | 20 63 61 72 64 73 29 2e |d credit| cards).|
|00001210| 20 54 68 65 20 74 6f 74 | 61 6c 20 73 68 6f 75 6c | The tot|al shoul|
|00001220| 64 20 6e 6f 74 20 62 65 | 20 6d 6f 72 65 20 74 68 |d not be| more th|
|00001230| 61 6e 20 61 62 6f 75 74 | 20 34 30 20 70 65 72 63 |an about| 40 perc|
|00001240| 65 6e 74 20 6f 66 20 67 | 72 6f 73 73 20 6d 6f 6e |ent of g|ross mon|
|00001250| 74 68 6c 79 20 69 6e 63 | 6f 6d 65 2e 06 42 41 41 |thly inc|ome..BAA|
|00001260| 20 6d 6f 72 74 67 61 67 | 65 20 66 6f 72 20 77 68 | mortgag|e for wh|
|00001270| 69 63 68 20 74 68 65 20 | 72 61 74 65 20 6f 66 20 |ich the |rate of |
|00001280| 69 6e 74 65 72 65 73 74 | 20 66 6c 75 63 74 75 61 |interest| fluctua|
|00001290| 74 65 73 20 61 73 20 74 | 68 65 20 42 61 6e 6b 27 |tes as t|he Bank'|
|000012a0| 73 20 70 72 65 76 61 69 | 6c 69 6e 67 20 70 72 69 |s prevai|ling pri|
|000012b0| 6d 65 20 72 61 74 65 20 | 63 68 61 6e 67 65 73 2e |me rate |changes.|
|000012c0| 20 57 68 69 6c 65 20 74 | 68 65 20 72 65 67 75 6c | While t|he regul|
|000012d0| 61 72 20 70 61 79 6d 65 | 6e 74 73 20 79 6f 75 20 |ar payme|nts you |
|000012e0| 6d 61 6b 65 20 73 74 61 | 79 20 74 68 65 20 73 61 |make sta|y the sa|
|000012f0| 6d 65 20 66 6f 72 20 74 | 68 65 20 74 65 72 6d 2c |me for t|he term,|
|00001300| 20 74 68 65 20 61 6d 6f | 75 6e 74 20 61 70 70 6c | the amo|unt appl|
|00001310| 69 65 64 20 74 6f 77 61 | 72 64 20 74 68 65 20 70 |ied towa|rd the p|
|00001320| 72 69 6e 63 69 70 61 6c | 20 63 68 61 6e 67 65 73 |rincipal| changes|
|00001330| 20 61 63 63 6f 72 64 69 | 6e 67 20 74 6f 20 74 68 | accordi|ng to th|
|00001340| 65 20 63 68 61 6e 67 65 | 20 28 69 66 20 61 6e 79 |e change| (if any|
|00001350| 29 20 69 6e 20 74 68 65 | 20 72 61 74 65 20 6f 66 |) in the| rate of|
|00001360| 20 69 6e 74 65 72 65 73 | 74 2e 20 54 68 69 73 20 | interes|t. This |
|00001370| 69 73 20 61 6c 73 6f 20 | 72 65 66 65 72 72 65 64 |is also |referred|
|00001380| 20 74 6f 20 61 73 20 61 | 20 46 6c 6f 61 74 69 6e | to as a| Floatin|
|00001390| 67 20 52 61 74 65 20 4d | 6f 72 74 67 61 67 65 2e |g Rate M|ortgage.|
|000013a0| 06 7c 47 12 00 00 00 ff | ff c2 de 41 02 e6 6a 44 |.|G.....|...A..jD|
|000013b0| 59 03 99 02 be 41 02 e9 | 02 61 02 ca ec 34 0d 02 |Y....A..|.a...4..|
|000013c0| 0d 0c 44 6f 77 6e 20 70 | 61 79 6d 65 6e 74 52 54 |..Down p|aymentRT|
|000013d0| 68 65 20 61 6d 6f 75 6e | 74 20 6f 66 20 6d 6f 6e |he amoun|t of mon|
|000013e0| 65 79 20 70 75 74 20 66 | 6f 72 77 61 72 64 20 62 |ey put f|orward b|
|000013f0| 79 20 74 68 65 20 62 75 | 79 65 72 20 74 6f 77 61 |y the bu|yer towa|
|00001400| 72 64 20 74 68 65 20 70 | 75 72 63 68 61 73 65 20 |rd the p|urchase |
|00001410| 70 72 69 63 65 20 6f 66 | 20 61 20 68 6f 6d 65 2e |price of| a home.|
|00001420| 06 0d 06 45 71 75 69 74 | 79 66 54 68 65 20 64 69 |...Equit|yfThe di|
|00001430| 66 66 65 72 65 6e 63 65 | 20 62 65 74 77 65 65 6e |fference| between|
|00001440| 20 74 68 65 20 70 72 69 | 63 65 20 66 6f 72 20 77 | the pri|ce for w|
|00001450| 68 69 63 68 20 61 20 70 | 72 6f 70 65 72 74 79 20 |hich a p|roperty |
|00001460| 63 6f 75 6c 64 20 62 65 | 20 73 6f 6c 64 20 61 6e |could be| sold an|
|00001470| 64 20 74 68 65 20 74 6f | 74 61 6c 20 61 6d 6f 75 |d the to|tal amou|
|00001480| 6e 74 20 6f 77 69 6e 67 | 20 6f 6e 20 69 74 2e 06 |nt owing| on it..|
|00001490| 0d 0e 46 69 72 73 74 20 | 4d 6f 72 74 67 61 67 65 |..First |Mortgage|
|000014a0| 7f 41 20 6d 6f 72 74 67 | 61 67 65 20 77 68 69 63 |.A mortg|age whic|
|000014b0| 68 20 69 73 20 72 65 67 | 69 73 74 65 72 65 64 20 |h is reg|istered |
|000014c0| 66 69 72 73 74 20 61 67 | 61 69 6e 73 74 20 74 68 |first ag|ainst th|
|000014d0| 65 20 70 72 6f 70 65 72 | 74 79 2e 20 54 68 69 73 |e proper|ty. This|
|000014e0| 20 6d 6f 72 74 67 61 67 | 65 20 68 61 73 20 74 6f | mortgag|e has to|
|000014f0| 20 62 65 20 70 61 69 64 | 20 66 69 72 73 74 20 69 | be paid| first i|
|00001500| 6e 20 74 68 65 20 65 76 | 65 6e 74 20 6f 66 20 73 |n the ev|ent of s|
|00001510| 61 6c 65 20 6f 72 20 64 | 65 66 61 75 6c 74 2e 06 |ale or d|efault..|
|00001520| 0d 13 46 69 78 65 64 20 | 52 61 74 65 20 4d 6f 72 |..Fixed |Rate Mor|
|00001530| 74 67 61 67 65 5d 41 20 | 6d 6f 72 74 67 61 67 65 |tgage]A |mortgage|
|00001540| 20 66 6f 72 20 77 68 69 | 63 68 20 74 68 65 20 72 | for whi|ch the r|
|00001550| 61 74 65 20 6f 66 20 69 | 6e 74 65 72 65 73 74 20 |ate of i|nterest |
|00001560| 69 73 20 66 69 78 65 64 | 20 66 6f 72 20 74 68 65 |is fixed| for the|
|00001570| 20 74 65 72 6d 20 28 69 | 2e 65 2e 20 61 20 73 65 | term (i|.e. a se|
|00001580| 74 20 70 65 72 69 6f 64 | 20 6f 66 20 74 69 6d 65 |t period| of time|
|00001590| 29 2e 06 0d 16 46 6c 6f | 61 74 69 6e 67 20 52 61 |)....Flo|ating Ra|
|000015a0| 74 65 20 4d 6f 72 74 67 | 61 67 65 1c 53 65 65 20 |te Mortg|age.See |
|000015b0| 56 61 72 69 61 62 6c 65 | 20 72 61 74 65 20 6d 6f |Variable| rate mo|
|000015c0| 72 74 67 61 67 65 2e 06 | 05 18 47 72 6f 73 73 20 |rtgage..|..Gross |
|000015d0| 44 65 62 74 20 53 65 72 | 76 69 63 65 20 52 61 74 |Debt Ser|vice Rat|
|000015e0| 69 6f 11 00 00 00 24 01 | 00 00 0d 13 48 69 67 68 |io....$.|....High|
|000015f0| 20 52 61 74 69 6f 20 4d | 6f 72 74 67 61 67 65 c0 | Ratio M|ortgage.|
|00001600| 41 20 6d 6f 72 74 67 61 | 67 65 20 66 6f 72 20 6d |A mortga|ge for m|
|00001610| 6f 72 65 20 74 68 61 6e | 20 37 35 25 20 6f 66 20 |ore than| 75% of |
|00001620| 65 69 74 68 65 72 20 6f | 72 20 62 6f 74 68 20 61 |either o|r both a|
|00001630| 20 70 72 6f 70 65 72 74 | 79 27 73 20 61 70 70 72 | propert|y's appr|
|00001640| 61 69 73 65 64 20 76 61 | 6c 75 65 20 61 6e 64 20 |aised va|lue and |
|00001650| 70 75 72 63 68 61 73 65 | 20 70 72 69 63 65 2e 20 |purchase| price. |
|00001660| 49 6e 20 6f 74 68 65 72 | 20 77 6f 72 64 73 2c 20 |In other| words, |
|00001670| 74 68 65 20 64 6f 77 6e | 20 70 61 79 6d 65 6e 74 |the down| payment|
|00001680| 20 61 6d 6f 75 6e 74 20 | 69 73 20 6c 65 73 73 20 | amount |is less |
|00001690| 74 68 61 6e 20 32 35 25 | 20 6f 66 20 74 68 65 20 |than 25%| of the |
|000016a0| 70 75 72 63 68 61 73 65 | 20 70 72 69 63 65 2f 61 |purchase| price/a|
|000016b0| 70 70 72 61 69 73 65 64 | 20 76 61 6c 75 65 2e 06 |ppraised| value..|
|000016c0| 0d 08 49 6e 74 65 72 65 | 73 74 9b 49 6e 74 65 72 |..Intere|st.Inter|
|000016d0| 65 73 74 20 69 73 20 74 | 68 65 20 63 6f 73 74 20 |est is t|he cost |
|000016e0| 6f 66 20 62 6f 72 72 6f | 77 69 6e 67 2e 20 49 74 |of borro|wing. It|
|000016f0| 20 69 73 20 74 68 65 20 | 61 6d 6f 75 6e 74 20 70 | is the |amount p|
|00001700| 61 69 64 20 6f 6e 20 74 | 68 65 20 6d 6f 6e 65 79 |aid on t|he money|
|00001710| 20 62 6f 72 72 6f 77 65 | 64 2e 20 49 74 20 69 73 | borrowe|d. It is|
|00001720| 20 72 65 70 72 65 73 65 | 6e 74 65 64 20 61 73 20 | represe|nted as |
|00001730| 61 6e 20 61 6e 6e 75 61 | 6c 20 70 65 72 63 65 6e |an annua|l percen|
|00001740| 74 61 67 65 20 72 61 74 | 65 20 61 70 70 6c 69 63 |tage rat|e applic|
|00001750| 61 62 6c 65 20 74 6f 20 | 74 68 65 20 6d 6f 72 74 |able to |the mort|
|00001760| 67 61 67 65 2e 06 0d 0b | 4c 69 61 62 69 6c 69 74 |gage....|Liabilit|
|00001770| 69 65 73 51 57 68 61 74 | 20 79 6f 75 20 6f 77 65 |iesQWhat| you owe|
|00001780| 2e 20 46 6f 72 20 65 78 | 61 6d 70 6c 65 3a 20 74 |. For ex|ample: t|
|00001790| 61 78 65 73 2c 20 6d 6f | 72 74 67 61 67 65 73 2c |axes, mo|rtgages,|
|000017a0| 20 63 61 72 20 6c 6f 61 | 6e 73 20 61 6e 64 20 63 | car loa|ns and c|
|000017b0| 72 65 64 69 74 20 63 61 | 72 64 20 62 61 6c 61 6e |redit ca|rd balan|
|000017c0| 63 65 73 2e 06 0d 0d 4d | 61 74 75 72 69 74 79 20 |ces....M|aturity |
|000017d0| 44 61 74 65 80 54 68 65 | 20 6c 61 73 74 20 64 61 |Date.The| last da|
|000017e0| 79 20 6f 66 20 74 68 65 | 20 74 65 72 6d 20 6f 66 |y of the| term of|
|000017f0| 20 79 6f 75 72 20 6d 6f | 72 74 67 61 67 65 20 61 | your mo|rtgage a|
|00001800| 67 72 65 65 6d 65 6e 74 | 2e 20 54 68 65 20 6d 6f |greement|. The mo|
|00001810| 72 74 67 61 67 65 20 6d | 75 73 74 20 62 65 20 70 |rtgage m|ust be p|
|00001820| 61 69 64 20 69 6e 20 66 | 75 6c 6c 2c 20 6f 72 20 |aid in f|ull, or |
|00001830| 74 68 65 20 61 67 72 65 | 65 6d 65 6e 74 20 72 65 |the agre|ement re|
|00001840| 6e 65 77 65 64 2c 20 62 | 79 20 74 68 69 73 20 64 |newed, b|y this d|
|00001850| 61 74 65 2e 06 0d 08 4d | 6f 72 74 67 61 67 65 af |ate....M|ortgage.|
|00001860| 41 20 6d 6f 72 74 67 61 | 67 65 20 69 73 20 62 6f |A mortga|ge is bo|
|00001870| 74 68 20 61 20 6c 6f 61 | 6e 20 75 73 65 64 20 74 |th a loa|n used t|
|00001880| 6f 20 70 75 72 63 68 61 | 73 65 20 61 20 68 6f 6d |o purcha|se a hom|
|00001890| 65 20 61 6e 64 20 61 20 | 73 65 63 75 72 69 74 79 |e and a |security|
|000018a0| 20 66 6f 72 20 74 68 65 | 20 72 65 70 61 79 6d 65 | for the| repayme|
|000018b0| 6e 74 20 6f 66 20 74 68 | 65 20 6c 6f 61 6e 20 73 |nt of th|e loan s|
|000018c0| 69 6e 63 65 20 74 68 65 | 20 70 72 6f 70 65 72 74 |ince the| propert|
|000018d0| 79 20 70 75 72 63 68 61 | 73 65 64 20 69 73 20 70 |y purcha|sed is p|
|000018e0| 6c 65 64 67 65 64 20 62 | 79 20 74 68 65 20 62 6f |ledged b|y the bo|
|000018f0| 72 72 6f 77 65 72 20 74 | 6f 20 67 75 61 72 61 6e |rrower t|o guaran|
|00001900| 74 65 65 20 72 65 70 61 | 79 6d 65 6e 74 2e 06 0d |tee repa|yment...|
|00001910| 17 4d 6f 72 74 67 61 67 | 65 20 4c 6f 61 6e 20 49 |.Mortgag|e Loan I|
|00001920| 6e 73 75 72 61 6e 63 65 | 7e 47 6f 76 65 72 6e 6d |nsurance|~Governm|
|00001930| 65 6e 74 2d 62 61 63 6b | 65 64 20 6f 72 20 70 72 |ent-back|ed or pr|
|00001940| 69 76 61 74 65 6c 79 2d | 62 61 63 6b 65 64 20 69 |ivately-|backed i|
|00001950| 6e 73 75 72 61 6e 63 65 | 20 70 72 6f 74 65 63 74 |nsurance| protect|
|00001960| 69 6e 67 20 74 68 65 20 | 6c 65 6e 64 65 72 20 61 |ing the |lender a|
|00001970| 67 61 69 6e 73 74 20 74 | 68 65 20 62 6f 72 72 6f |gainst t|he borro|
|00001980| 77 65 72 27 73 20 64 65 | 66 61 75 6c 74 20 6f 6e |wer's de|fault on|
|00001990| 20 68 69 67 68 2d 72 61 | 74 69 6f 20 6d 6f 72 74 | high-ra|tio mort|
|000019a0| 67 61 67 65 73 2e 06 0d | 17 4d 6f 72 74 67 61 67 |gages...|.Mortgag|
|000019b0| 65 20 4c 69 66 65 20 49 | 6e 73 75 72 61 6e 63 65 |e Life I|nsurance|
|000019c0| 4b 49 6e 73 75 72 61 6e | 63 65 20 74 68 61 74 20 |KInsuran|ce that |
|000019d0| 70 61 79 73 20 6f 66 66 | 20 74 68 65 20 6d 6f 72 |pays off| the mor|
|000019e0| 74 67 61 67 65 20 64 65 | 62 74 20 73 68 6f 75 6c |tgage de|bt shoul|
|000019f0| 64 20 74 68 65 20 69 6e | 73 75 72 65 64 20 62 6f |d the in|sured bo|
|00001a00| 72 72 6f 77 65 72 20 64 | 69 65 2e 06 0d 10 4d 6f |rrower d|ie....Mo|
|00001a10| 72 74 67 61 67 65 20 50 | 61 79 6d 65 6e 74 63 54 |rtgage P|aymentcT|
|00001a20| 68 65 20 72 65 67 75 6c | 61 72 20 69 6e 73 74 61 |he regul|ar insta|
|00001a30| 6c 6c 6d 65 6e 74 73 20 | 6d 61 64 65 20 74 6f 77 |llments |made tow|
|00001a40| 61 72 64 73 20 70 61 79 | 69 6e 67 20 62 61 63 6b |ards pay|ing back|
|00001a50| 20 74 68 65 20 70 72 69 | 6e 63 69 70 61 6c 20 61 | the pri|ncipal a|
|00001a60| 6e 64 20 70 61 79 69 6e | 67 20 69 6e 74 65 72 65 |nd payin|g intere|
|00001a70| 73 74 20 6f 6e 20 61 20 | 6d 6f 72 74 67 61 67 65 |st on a |mortgage|
|00001a80| 2e 06 0d 09 4d 6f 72 74 | 67 61 67 6f 72 0e 54 68 |....Mort|gagor.Th|
|00001a90| 65 20 62 6f 72 72 6f 77 | 65 72 2e 06 0d 1e 4d 75 |e borrow|er....Mu|
|00001aa0| 6c 74 69 70 6c 65 20 4c | 69 73 74 69 6e 67 20 53 |ltiple L|isting S|
|00001ab0| 65 72 76 69 63 65 20 28 | 4d 4c 53 29 62 41 20 63 |ervice (|MLS)bA c|
|00001ac0| 6f 6d 70 75 74 65 72 2d | 62 61 73 65 64 20 73 79 |omputer-|based sy|
|00001ad0| 73 74 65 6d 20 66 6f 72 | 20 72 65 6c 61 79 69 6e |stem for| relayin|
|00001ae0| 67 20 69 6e 66 6f 72 6d | 61 74 69 6f 6e 20 74 6f |g inform|ation to|
|00001af0| 20 72 65 61 6c 2d 65 73 | 74 61 74 65 20 61 67 65 | real-es|tate age|
|00001b00| 6e 74 73 20 61 62 6f 75 | 74 20 70 72 6f 70 65 72 |nts abou|t proper|
|00001b10| 74 69 65 73 20 66 6f 72 | 20 73 61 6c 65 2e 06 b9 |ties for| sale...|
|00001b20| 41 2a 20 54 68 69 73 20 | 66 69 6c 65 20 77 61 73 |A* This |file was|
|00001b30| 20 63 6f 6d 70 69 6c 65 | 64 20 62 79 20 56 6f 6a | compile|d by Voj|
|00001b40| 74 61 20 4b 72 62 2e 20 | 49 66 20 61 6e 79 6f 6e |ta Krb. |If anyon|
|00001b50| 65 20 68 61 73 20 61 6e | 79 20 63 6f 6d 6d 65 6e |e has an|y commen|
|00001b60| 74 73 2c 20 73 75 67 67 | 65 73 74 69 6f 6e 73 2c |ts, sugg|estions,|
|00001b70| 20 6f 72 20 63 72 69 74 | 69 63 69 73 6d 73 2e 20 | or crit|icisms. |
|00001b80| 50 6c 65 61 73 65 20 66 | 65 65 6c 20 66 72 65 65 |Please f|eel free|
|00001b90| 20 74 6f 20 73 65 6e 64 | 20 6d 65 20 61 6e 20 65 | to send| me an e|
|00001ba0| 6d 61 69 6c 20 61 74 3a | 20 6b 72 62 35 30 37 31 |mail at:| krb5071|
|00001bb0| 40 61 63 6d 61 69 6c 2e | 6d 74 72 6f 79 61 6c 2e |@acmail.|mtroyal.|
|00001bc0| 61 62 2e 63 61 20 06 2a | 20 50 6c 65 61 73 65 20 |ab.ca .*| Please |
|00001bd0| 6e 6f 74 65 20 74 68 61 | 74 20 74 68 69 73 20 69 |note tha|t this i|
|00001be0| 73 20 6d 79 20 73 63 68 | 6f 6f 6c 73 20 65 6d 61 |s my sch|ools ema|
|00001bf0| 69 6c 20 61 63 63 6f 75 | 6e 74 2e 20 53 69 6e 63 |il accou|nt. Sinc|
|00001c00| 65 20 49 20 61 6d 20 73 | 74 75 64 65 6e 74 20 66 |e I am s|tudent f|
|00001c10| 72 6f 6d 20 53 65 70 74 | 2d 41 70 72 69 6c 2c 20 |rom Sept|-April, |
|00001c20| 49 20 77 69 6c 6c 20 6e | 6f 74 20 62 65 20 61 62 |I will n|ot be ab|
|00001c30| 6c 65 20 74 6f 20 61 6e | 73 77 65 72 20 61 6e 79 |le to an|swer any|
|00001c40| 20 71 75 65 73 74 69 6f | 6e 73 20 74 68 61 74 20 | questio|ns that |
|00001c50| 61 72 65 20 73 65 6e 74 | 20 74 6f 20 6d 65 20 6f |are sent| to me o|
|00001c60| 75 74 73 69 64 65 20 6f | 66 20 74 68 69 73 20 74 |utside o|f this t|
|00001c70| 69 6d 65 20 66 72 61 6d | 65 2e 06 2a 20 49 20 68 |ime fram|e..* I h|
|00001c80| 6f 70 65 20 79 6f 75 20 | 66 69 6e 64 20 74 68 69 |ope you |find thi|
|00001c90| 73 20 66 69 6c 65 20 74 | 6f 20 62 65 20 75 73 65 |s file t|o be use|
|00001ca0| 66 75 6c 20 61 6e 64 20 | 69 6e 66 6f 72 6d 61 74 |ful and |informat|
|00001cb0| 69 76 65 2e 20 06 2a 20 | 54 68 61 6e 6b 20 79 6f |ive. .* |Thank yo|
|00001cc0| 75 2c 20 61 6e 64 20 6c | 6f 6e 67 20 6c 69 76 65 |u, and l|ong live|
|00001cd0| 20 50 73 69 6f 6e 20 21 | 21 06 c2 47 1b 00 00 00 | Psion !|!..G....|
|00001ce0| ff ff ee d9 03 f9 02 7e | ac f8 1d 03 89 02 c1 03 |.......~|........|
|00001cf0| 1c 70 51 03 50 40 64 fa | 0d 0d 4f 70 65 6e 20 4d |.pQ.P@d.|..Open M|
|00001d00| 6f 72 74 67 61 67 65 67 | 41 20 6d 6f 72 74 67 61 |ortgageg|A mortga|
|00001d10| 67 65 20 74 68 61 74 20 | 63 61 6e 20 62 65 20 70 |ge that |can be p|
|00001d20| 72 65 70 61 69 64 20 6f | 72 20 72 65 6e 65 67 6f |repaid o|r renego|
|00001d30| 74 69 61 74 65 64 20 61 | 74 20 61 6e 79 20 74 69 |tiated a|t any ti|
|00001d40| 6d 65 20 61 6e 64 20 69 | 6e 20 61 6e 79 20 61 6d |me and i|n any am|
|00001d50| 6f 75 6e 74 20 77 69 74 | 68 6f 75 74 20 69 6e 74 |ount wit|hout int|
|00001d60| 65 72 65 73 74 20 70 65 | 6e 61 6c 74 79 2e 06 0d |erest pe|nalty...|
|00001d70| 15 50 72 65 2d 41 72 72 | 61 6e 67 65 64 20 4d 6f |.Pre-Arr|anged Mo|
|00001d80| 72 74 67 61 67 65 de 41 | 20 6d 6f 72 74 67 61 67 |rtgage.A| mortgag|
|00001d90| 65 20 66 6f 72 20 61 20 | 73 65 74 20 6d 61 78 69 |e for a |set maxi|
|00001da0| 6d 75 6d 20 61 6d 6f 75 | 6e 74 20 61 6e 64 20 69 |mum amou|nt and i|
|00001db0| 6e 74 65 72 65 73 74 20 | 72 61 74 65 20 74 68 61 |nterest |rate tha|
|00001dc0| 74 20 69 73 20 61 72 72 | 61 6e 67 65 64 20 70 72 |t is arr|anged pr|
|00001dd0| 69 6f 72 20 74 6f 20 74 | 68 65 20 70 75 72 63 68 |ior to t|he purch|
|00001de0| 61 73 65 72 20 66 69 6e | 64 69 6e 67 20 61 20 68 |aser fin|ding a h|
|00001df0| 6f 75 73 65 2e 20 4f 66 | 74 65 6e 20 61 72 72 61 |ouse. Of|ten arra|
|00001e00| 6e 67 65 64 20 70 72 69 | 6f 72 20 74 6f 20 68 6f |nged pri|or to ho|
|00001e10| 6d 65 2d 73 68 6f 70 70 | 69 6e 67 2c 20 74 68 69 |me-shopp|ing, thi|
|00001e20| 73 20 6f 70 74 69 6f 6e | 20 63 61 6e 20 68 65 6c |s option| can hel|
|00001e30| 70 20 74 68 65 20 70 75 | 72 63 68 61 73 65 72 20 |p the pu|rchaser |
|00001e40| 65 73 74 61 62 6c 69 73 | 68 20 61 6e 20 61 66 66 |establis|h an aff|
|00001e50| 6f 72 64 61 62 6c 65 20 | 70 72 69 63 65 20 72 61 |ordable |price ra|
|00001e60| 6e 67 65 2e 06 0d 12 50 | 72 65 70 61 79 6d 65 6e |nge....P|repaymen|
|00001e70| 74 20 4f 70 74 69 6f 6e | 73 a9 41 6c 6c 6f 77 73 |t Option|s.Allows|
|00001e80| 20 74 68 65 20 62 6f 72 | 72 6f 77 65 72 20 74 6f | the bor|rower to|
|00001e90| 20 70 72 65 70 61 79 20 | 61 20 70 6f 72 74 69 6f | prepay |a portio|
|00001ea0| 6e 2c 20 6f 72 20 61 6c | 6c 20 6f 66 20 74 68 65 |n, or al|l of the|
|00001eb0| 20 70 72 69 6e 63 69 70 | 61 6c 20 62 61 6c 61 6e | princip|al balan|
|00001ec0| 63 65 2c 20 77 69 74 68 | 20 6f 72 20 77 69 74 68 |ce, with| or with|
|00001ed0| 6f 75 74 20 70 65 6e 61 | 6c 74 79 2e 20 54 68 65 |out pena|lty. The|
|00001ee0| 73 65 20 6f 70 74 69 6f | 6e 73 20 61 72 65 20 74 |se optio|ns are t|
|00001ef0| 79 70 69 63 61 6c 6c 79 | 20 72 65 73 74 72 69 63 |ypically| restric|
|00001f00| 74 65 64 20 74 6f 20 73 | 70 65 63 69 66 69 63 20 |ted to s|pecific |
|00001f10| 61 6d 6f 75 6e 74 73 20 | 61 6e 64 20 74 69 6d 65 |amounts |and time|
|00001f20| 73 2e 06 0d 09 50 72 69 | 6e 63 69 70 61 6c 33 54 |s....Pri|ncipal3T|
|00001f30| 68 65 20 61 6d 6f 75 6e | 74 20 69 6e 69 74 69 61 |he amoun|t initia|
|00001f40| 6c 6c 79 20 62 6f 72 72 | 6f 77 65 64 2c 20 75 6e |lly borr|owed, un|
|00001f50| 64 65 72 20 74 68 65 20 | 6d 6f 72 74 67 61 67 65 |der the |mortgage|
|00001f60| 2e 06 0d 0f 52 61 74 65 | 20 28 49 6e 74 65 72 65 |....Rate| (Intere|
|00001f70| 73 74 29 44 54 68 65 20 | 61 6e 6e 75 61 6c 20 70 |st)DThe |annual p|
|00001f80| 65 72 63 65 6e 74 61 67 | 65 20 61 6d 6f 75 6e 74 |ercentag|e amount|
|00001f90| 20 63 68 61 72 67 65 64 | 20 69 6e 20 72 65 74 75 | charged| in retu|
|00001fa0| 72 6e 20 66 6f 72 20 62 | 6f 72 72 6f 77 69 6e 67 |rn for b|orrowing|
|00001fb0| 20 66 75 6e 64 73 2e 06 | 0d 07 52 65 61 6c 74 6f | funds..|..Realto|
|00001fc0| 72 72 41 20 72 65 61 6c | 20 65 73 74 61 74 65 20 |rrA real| estate |
|00001fd0| 70 72 6f 66 65 73 73 69 | 6f 6e 61 6c 20 77 68 6f |professi|onal who|
|00001fe0| 20 69 73 20 61 20 6d 65 | 6d 62 65 72 20 6f 66 20 | is a me|mber of |
|00001ff0| 61 20 6c 6f 63 61 6c 20 | 72 65 61 6c 20 65 73 74 |a local |real est|
|00002000| 61 74 65 20 62 6f 61 72 | 64 20 61 6e 64 20 74 68 |ate boar|d and th|
|00002010| 65 20 43 61 6e 61 64 69 | 61 6e 20 52 65 61 6c 20 |e Canadi|an Real |
|00002020| 45 73 74 61 74 65 20 41 | 73 73 6f 63 69 61 74 69 |Estate A|ssociati|
|00002030| 6f 6e 2e 06 0d 0f 53 65 | 63 6f 6e 64 20 4d 6f 72 |on....Se|cond Mor|
|00002040| 74 67 61 67 65 b5 41 20 | 6d 6f 72 74 67 61 67 65 |tgage.A |mortgage|
|00002050| 20 67 72 61 6e 74 65 64 | 20 77 68 65 6e 20 74 68 | granted| when th|
|00002060| 65 72 65 20 69 73 20 61 | 6c 72 65 61 64 79 20 61 |ere is a|lready a|
|00002070| 20 6d 6f 72 74 67 61 67 | 65 20 72 65 67 69 73 74 | mortgag|e regist|
|00002080| 65 72 65 64 20 61 67 61 | 69 6e 73 74 20 74 68 65 |ered aga|inst the|
|00002090| 20 70 72 6f 70 65 72 74 | 79 2e 20 49 66 20 74 68 | propert|y. If th|
|000020a0| 65 20 62 6f 72 72 6f 77 | 65 72 20 64 65 66 61 75 |e borrow|er defau|
|000020b0| 6c 74 73 20 61 6e 64 20 | 74 68 65 20 70 72 6f 70 |lts and |the prop|
|000020c0| 65 72 74 79 20 69 73 20 | 73 6f 6c 64 2c 20 74 68 |erty is |sold, th|
|000020d0| 65 20 73 65 63 6f 6e 64 | 20 6d 6f 72 74 67 61 67 |e second| mortgag|
|000020e0| 65 20 69 73 20 70 61 69 | 64 20 61 66 74 65 72 20 |e is pai|d after |
|000020f0| 74 68 65 20 66 69 72 73 | 74 2e 06 0d 08 53 65 63 |the firs|t....Sec|
|00002100| 75 72 69 74 79 97 50 72 | 6f 70 65 72 74 79 20 28 |urity.Pr|operty (|
|00002110| 61 73 73 65 74 73 29 20 | 6f 66 66 65 72 65 64 20 |assets) |offered |
|00002120| 61 73 20 62 61 63 6b 69 | 6e 67 20 66 6f 72 20 61 |as backi|ng for a|
|00002130| 20 6c 6f 61 6e 2e 20 49 | 6e 20 74 68 65 20 63 61 | loan. I|n the ca|
|00002140| 73 65 20 6f 66 20 6d 6f | 72 74 67 61 67 65 73 2c |se of mo|rtgages,|
|00002150| 20 74 68 65 20 70 72 6f | 70 65 72 74 79 20 62 65 | the pro|perty be|
|00002160| 69 6e 67 20 70 75 72 63 | 68 61 73 65 64 20 77 69 |ing purc|hased wi|
|00002170| 74 68 20 74 68 65 20 6c | 6f 61 6e 20 66 6f 72 6d |th the l|oan form|
|00002180| 73 20 74 68 65 20 73 65 | 63 75 72 69 74 79 20 66 |s the se|curity f|
|00002190| 6f 72 20 74 68 65 20 6c | 6f 61 6e 2e 06 0d 06 53 |or the l|oan....S|
|000021a0| 75 72 76 65 79 e7 41 20 | 64 6f 63 75 6d 65 6e 74 |urvey.A |document|
|000021b0| 20 70 72 6f 76 69 64 69 | 6e 67 20 64 65 74 61 69 | providi|ng detai|
|000021c0| 6c 73 20 6f 66 20 61 20 | 70 72 6f 70 65 72 74 79 |ls of a |property|
|000021d0| 27 73 20 62 6f 75 6e 64 | 61 72 69 65 73 2c 20 6d |'s bound|aries, m|
|000021e0| 65 61 73 75 72 65 6d 65 | 6e 74 73 20 61 6e 64 20 |easureme|nts and |
|000021f0| 73 74 72 75 63 74 75 72 | 65 73 2e 20 49 74 20 77 |structur|es. It w|
|00002200| 69 6c 6c 20 61 6c 73 6f | 20 64 65 73 63 72 69 62 |ill also| describ|
|00002210| 65 20 61 6e 79 20 65 61 | 73 65 6d 65 6e 74 73 2c |e any ea|sements,|
|00002220| 20 72 69 67 68 74 73 20 | 6f 66 2d 77 61 79 2c 20 | rights |of-way, |
|00002230| 6f 72 20 65 6e 63 72 6f | 61 63 68 6d 65 6e 74 73 |or encro|achments|
|00002240| 20 6d 61 64 65 20 62 79 | 20 65 69 74 68 65 72 20 | made by| either |
|00002250| 79 6f 75 72 20 70 72 6f | 70 65 72 74 79 20 6f 72 |your pro|perty or|
|00002260| 20 62 79 20 61 64 6a 6f | 69 6e 69 6e 67 20 70 72 | by adjo|ining pr|
|00002270| 6f 70 65 72 74 69 65 73 | 20 6f 6e 74 6f 20 79 6f |operties| onto yo|
|00002280| 75 72 20 70 72 6f 70 65 | 72 74 79 2e 06 05 04 54 |ur prope|rty....T|
|00002290| 65 72 6d 13 00 00 00 99 | 01 00 00 0d 05 54 69 74 |erm.....|.....Tit|
|000022a0| 6c 65 30 54 68 65 20 6c | 65 67 61 6c 20 72 65 66 |le0The l|egal ref|
|000022b0| 65 72 65 6e 63 65 20 6f | 66 20 6f 77 6e 65 72 73 |erence o|f owners|
|000022c0| 68 69 70 20 6f 66 20 61 | 20 70 72 6f 70 65 72 74 |hip of a| propert|
|000022d0| 79 2e 06 0d 0c 54 69 74 | 6c 65 20 53 65 61 72 63 |y....Tit|le Searc|
|000022e0| 68 c5 41 20 64 65 74 61 | 69 6c 65 64 20 65 78 61 |h.A deta|iled exa|
|000022f0| 6d 69 6e 61 74 69 6f 6e | 20 6f 66 20 74 68 65 20 |mination| of the |
|00002300| 72 65 67 69 73 74 65 72 | 65 64 20 74 69 74 6c 65 |register|ed title|
|00002310| 20 64 6f 63 75 6d 65 6e | 74 73 20 74 6f 20 65 6e | documen|ts to en|
|00002320| 73 75 72 65 20 74 68 65 | 72 65 20 61 72 65 20 6e |sure the|re are n|
|00002330| 6f 20 6c 69 65 6e 73 20 | 6f 72 20 6f 74 68 65 72 |o liens |or other|
|00002340| 20 65 6e 63 75 6d 62 72 | 61 6e 63 65 73 20 28 63 | encumbr|ances (c|
|00002350| 6c 61 69 6d 73 29 20 6f | 6e 20 74 68 65 20 70 72 |laims) o|n the pr|
|00002360| 6f 70 65 72 74 79 2c 20 | 61 6e 64 20 6e 6f 20 71 |operty, |and no q|
|00002370| 75 65 73 74 69 6f 6e 20 | 72 65 67 61 72 64 69 6e |uestion |regardin|
|00002380| 67 20 74 68 65 20 73 65 | 6c 6c 65 72 27 73 20 73 |g the se|ller's s|
|00002390| 74 61 74 65 6d 65 6e 74 | 20 6f 66 20 6f 77 6e 65 |tatement| of owne|
|000023a0| 72 73 68 69 70 2e 06 05 | 1e 54 6f 74 61 6c 20 44 |rship...|.Total D|
|000023b0| 65 62 74 20 53 65 72 76 | 69 63 65 20 28 54 44 53 |ebt Serv|ice (TDS|
|000023c0| 29 20 52 61 74 69 6f 14 | 00 00 00 3e 01 00 00 05 |) Ratio.|...>....|
|000023d0| 16 56 61 72 69 61 62 6c | 65 20 52 61 74 65 20 4d |.Variabl|e Rate M|
|000023e0| 6f 72 74 67 61 67 65 15 | 00 00 00 42 01 00 00 0d |ortgage.|...B....|
|000023f0| 06 56 65 6e 64 6f 72 29 | 54 68 65 20 73 65 6c 6c |.Vendor)|The sell|
|00002400| 65 72 20 69 6e 20 61 20 | 72 65 61 6c 20 65 73 74 |er in a |real est|
|00002410| 61 74 65 20 74 72 61 6e | 73 61 63 74 69 6f 6e 2e |ate tran|saction.|
|00002420| 06 35 11 20 41 6d 6f 72 | 74 69 7a 61 74 69 6f 6e |.5. Amor|tization|
|00002430| 20 31 2e 30 1c 00 00 03 | b9 01 00 00 61 04 00 00 | 1.0....|....a...|
|00002440| 00 00 00 01 01 00 00 00 | 00 00 00 00 05 00 00 00 |........|........|
|00002450| 1c 9b 00 00 00 04 00 00 | 00 a6 00 00 00 01 b4 00 |........|........|
|00002460| 00 00 01 3b 00 00 00 01 | 24 00 00 00 00 00 00 00 |...;....|$.......|
|00002470| 00 03 00 00 00 03 00 00 | 00 00 02 00 00 00 05 00 |........|........|
|00002480| 00 00 1c 9b 00 00 00 00 | 21 00 00 00 05 00 00 00 |........|!.......|
|00002490| 1c 9b 00 00 00 00 01 00 | 00 00 00 00 00 00 4b 40 |........|......K@|
|000024a0| 4f 06 26 00 01 00 00 80 | 00 00 00 00 ff ff ff 7f |O.&.....|........|
|000024b0| 01 00 00 00 e3 00 00 00 | 00 59 07 00 00 04 00 00 |........|.Y......|
|000024c0| 00 00 28 08 00 00 01 00 | 00 00 40 38 00 00 00 00 |..(.....|..@8....|
|000024d0| 0f 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000024e0| 00 00 00 00 00 00 00 00 | ff ff ff 9b 40 14 00 00 |........|....@...|
|000024f0| 00 01 00 00 00 00 00 00 | 00 01 00 00 00 00 00 00 |........|........|
|00002500| 00 01 00 00 00 d0 02 00 | 00 d0 02 00 00 a0 05 00 |........|........|
|00002510| 00 a0 05 00 00 a0 05 00 | 00 a0 05 00 00 01 00 00 |........|........|
|00002520| 00 00 00 00 00 00 00 00 | 00 00 5c 00 00 10 63 00 |........|..\...c.|
|00002530| 00 10 04 00 00 00 65 00 | 00 10 00 00 00 00 66 00 |......e.|......f.|
|00002540| 00 10 00 00 00 00 64 00 | 00 10 02 06 01 00 00 00 |......d.|........|
|00002550| 00 00 00 00 00 00 00 00 | 00 5c 00 00 10 63 00 00 |........|.\...c..|
|00002560| 10 0c 00 00 00 65 00 00 | 10 00 00 00 00 66 00 00 |.....e..|.....f..|
|00002570| 10 00 00 00 00 64 00 00 | 10 02 06 fd 00 00 10 d0 |.....d..|........|
|00002580| 2f 00 00 e0 3d 00 00 00 | 00 42 1f 00 00 00 00 00 |/...=...|.B......|
|00002590| 00 00 00 01 00 00 44 6f | 77 6e 20 70 61 79 6d 65 |......Do|wn payme|
|000025a0| 00 00 01 01 00 00 45 71 | 75 69 74 79 00 00 00 00 |......Eq|uity....|
|000025b0| 00 00 02 01 00 00 46 69 | 72 73 74 20 4d 6f 72 74 |......Fi|rst Mort|
|000025c0| 00 00 03 01 00 00 46 69 | 78 65 64 20 52 61 74 65 |......Fi|xed Rate|
|000025d0| 00 00 04 01 00 00 46 6c | 6f 61 74 69 6e 67 20 52 |......Fl|oating R|
|000025e0| 00 00 05 01 00 00 47 72 | 6f 73 73 20 44 65 62 74 |......Gr|oss Debt|
|000025f0| 00 00 06 01 00 00 48 69 | 67 68 20 52 61 74 69 6f |......Hi|gh Ratio|
|00002600| 00 00 07 01 00 00 49 6e | 74 65 72 65 73 74 00 00 |......In|terest..|
|00002610| 00 00 08 01 00 00 4c 69 | 61 62 69 6c 69 74 69 65 |......Li|abilitie|
|00002620| 00 00 09 01 00 00 4d 61 | 74 75 72 69 74 79 20 44 |......Ma|turity D|
|00002630| 00 00 0a 01 00 00 4d 6f | 72 74 67 61 67 65 00 00 |......Mo|rtgage..|
|00002640| 00 00 0b 01 00 00 4d 6f | 72 74 67 61 67 65 20 4c |......Mo|rtgage L|
|00002650| 00 00 0c 01 00 00 4d 6f | 72 74 67 61 67 65 20 4c |......Mo|rtgage L|
|00002660| 00 00 0d 01 00 00 4d 6f | 72 74 67 61 67 65 20 50 |......Mo|rtgage P|
|00002670| 00 00 0e 01 00 00 4d 6f | 72 74 67 61 67 6f 72 00 |......Mo|rtgagor.|
|00002680| 00 00 0f 01 00 00 4d 75 | 6c 74 69 70 6c 65 20 4c |......Mu|ltiple L|
|00002690| 00 00 20 01 00 00 4f 70 | 65 6e 20 4d 6f 72 74 67 |.. ...Op|en Mortg|
|000026a0| 00 00 21 01 00 00 50 72 | 65 2d 41 72 72 61 6e 67 |..!...Pr|e-Arrang|
|000026b0| 00 00 22 01 00 00 50 72 | 65 70 61 79 6d 65 6e 74 |.."...Pr|epayment|
|000026c0| 00 00 23 01 00 00 50 72 | 69 6e 63 69 70 61 6c 00 |..#...Pr|incipal.|
|000026d0| 00 00 24 01 00 00 52 61 | 74 65 20 28 49 6e 74 65 |..$...Ra|te (Inte|
|000026e0| 00 00 25 01 00 00 52 65 | 61 6c 74 6f 72 00 00 00 |..%...Re|altor...|
|000026f0| 00 00 26 01 00 00 53 65 | 63 6f 6e 64 20 4d 6f 72 |..&...Se|cond Mor|
|00002700| 00 00 27 01 00 00 53 65 | 63 75 72 69 74 79 00 00 |..'...Se|curity..|
|00002710| 00 00 28 01 00 00 53 75 | 72 76 65 79 00 00 00 00 |..(...Su|rvey....|
|00002720| 00 00 29 01 00 00 54 65 | 72 6d 00 00 00 00 00 00 |..)...Te|rm......|
|00002730| 00 00 2a 01 00 00 54 69 | 74 6c 65 00 00 00 00 00 |..*...Ti|tle.....|
|00002740| 00 00 2b 01 00 00 54 69 | 74 6c 65 20 53 65 61 72 |..+...Ti|tle Sear|
|00002750| 00 00 2c 01 00 00 54 6f | 74 61 6c 20 44 65 62 74 |..,...To|tal Debt|
|00002760| 00 00 2d 01 00 00 56 61 | 72 69 61 62 6c 65 20 52 |..-...Va|riable R|
|00002770| 00 00 2e 01 00 00 56 65 | 6e 64 6f 72 00 00 00 00 |......Ve|ndor....|
|00002780| 00 00 00 00 00 00 00 00 | 00 00 00 42 01 00 00 00 |........|...B....|
|00002790| 80 01 00 70 3f 00 00 00 | 44 65 70 6f 73 69 74 00 |...p?...|Deposit.|
|000027a0| 00 00 00 00 70 01 00 70 | 00 00 00 00 00 00 00 00 |....p..p|........|
|000027b0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000027c0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000027d0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000027e0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000027f0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002800| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002810| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002820| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002830| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002840| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002850| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002860| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002870| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002880| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002890| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028a0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028b0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028c0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028d0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028e0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|000028f0| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002900| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002910| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002920| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002930| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002940| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002950| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002960| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002970| 00 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002980| 00 00 00 00 00 00 00 00 | 00 00 00 00 6b 40 02 00 |........|....k@..|
|00002990| 00 00 02 00 00 00 09 00 | 00 00 0a 00 00 00 01 01 |........|........|
|000029a0| 00 00 00 09 00 00 00 00 | 02 1a 54 61 62 6c 65 31 |........|..Table1|
|000029b0| 0a 00 00 00 04 16 4e 61 | 6d 65 3a 0b 09 00 00 00 |......Na|me:.....|
|000029c0| 64 00 00 00 00 00 0a 00 | 04 00 02 00 9c ff ff ff |d.......|........|
|000029d0| 64 00 00 00 2e 44 65 66 | 69 6e 61 74 69 6f 6e 3a |d....Def|ination:|
|000029e0| 0e 0a 00 00 00 ff ff ff | ff 00 00 0a 00 04 00 02 |........|........|
|000029f0| 00 9c ff ff ff 64 00 00 | 00 34 41 04 01 00 09 00 |.....d..|.4A.....|
|00002a00| 00 00 00 00 01 02 00 0a | 00 00 00 01 00 01 02 02 |........|........|
|00002a10| 4f 00 00 10 00 00 00 00 | 31 00 00 00 19 00 00 00 |O.......|1.......|
|00002a20| 1a 00 00 00 1b 00 21 00 | 20 00 1c b3 00 00 00 1d |......!.| .......|
|00002a30| 00 1e 01 1f 00 22 10 54 | 69 6d 65 73 20 4e 65 77 |.....".T|imes New|
|00002a40| 20 52 6f 6d 61 6e 03 18 | 00 24 00 23 03 00 00 00 | Roman..|.$.#....|
|00002a50| 00 02 4f 00 00 10 00 00 | 00 00 31 00 00 00 19 00 |..O.....|..1.....|
|00002a60| 00 00 1a 00 00 00 1b 00 | 21 00 20 00 1c b3 00 00 |........|!. .....|
|00002a70| 00 1d 00 1e 00 1f 00 22 | 10 54 69 6d 65 73 20 4e |......."|.Times N|
|00002a80| 65 77 20 52 6f 6d 61 6e | 03 18 00 24 00 23 03 00 |ew Roman|...$.#..|
|00002a90| 00 00 00 ff ff 04 01 00 | 09 00 00 00 00 00 01 02 |........|........|
|00002aa0| 00 0a 00 00 00 01 00 01 | 02 02 4f 00 00 10 00 00 |........|..O.....|
|00002ab0| 00 00 31 00 00 00 19 00 | 00 00 1a 00 00 00 1b 00 |..1.....|........|
|00002ac0| 21 00 20 00 1c b3 00 00 | 00 1d 00 1e 01 1f 00 22 |!. .....|......."|
|00002ad0| 10 54 69 6d 65 73 20 4e | 65 77 20 52 6f 6d 61 6e |.Times N|ew Roman|
|00002ae0| 03 18 00 24 00 23 03 00 | 00 00 00 02 4f 00 00 10 |...$.#..|....O...|
|00002af0| 00 00 00 00 31 00 00 00 | 19 00 00 00 1a 00 00 00 |....1...|........|
|00002b00| 1b 00 21 00 20 00 1c b3 | 00 00 00 1d 00 1e 00 1f |..!. ...|........|
|00002b10| 00 22 10 54 69 6d 65 73 | 20 4e 65 77 20 52 6f 6d |.".Times| New Rom|
|00002b20| 61 6e 03 18 00 24 00 23 | 03 00 00 00 00 ff ff 51 |an...$.#|.......Q|
|00002b30| 40 69 00 00 10 00 01 00 | 00 00 02 1a 54 61 62 6c |@i......|....Tabl|
|00002b40| 65 31 08 16 43 6f 6c 41 | 39 0b 00 64 16 43 6f 6c |e1..ColA|9..d.Col|
|00002b50| 42 39 10 00 1a 43 6f 6c | 41 31 30 0e 00 1a 43 6f |B9...Col|A10...Co|
|00002b60| 6c 42 31 30 10 00 20 04 | 00 00 00 02 1a 49 6e 64 |lB10.. .|.....Ind|
|00002b70| 65 78 31 01 00 02 16 43 | 6f 6c 41 39 0a 00 16 00 |ex1....C|olA9....|
|00002b80| 00 07 00 42 11 00 00 00 | 70 01 00 70 2f 01 00 00 |...B....|p..p/...|
|00002b90| 20 41 6d 6f 72 74 69 7a | 61 74 00 00 30 00 00 00 | Amortiz|at..0...|
|00002ba0| 41 6d 6f 72 74 69 7a 61 | 74 69 00 00 31 00 00 00 |Amortiza|ti..1...|
|00002bb0| 41 6d 6f 72 74 69 7a 61 | 74 69 00 00 32 00 00 00 |Amortiza|ti..2...|
|00002bc0| 41 70 70 72 61 69 73 65 | 64 20 00 00 33 00 00 00 |Appraise|d ..3...|
|00002bd0| 41 73 73 65 74 73 00 00 | 00 00 00 00 34 00 00 00 |Assets..|....4...|
|00002be0| 42 6c 65 6e 64 65 64 20 | 4d 6f 00 00 35 00 00 00 |Blended |Mo..5...|
|00002bf0| 42 6c 65 6e 64 65 64 20 | 4d 6f 00 00 36 00 00 00 |Blended |Mo..6...|
|00002c00| 42 72 69 64 67 65 20 46 | 69 6e 00 00 38 00 00 00 |Bridge F|in..8...|
|00002c10| 43 61 72 72 79 69 6e 67 | 20 43 00 00 39 00 00 00 |Carrying| C..9...|
|00002c20| 43 6c 6f 73 65 64 20 4d | 6f 72 00 00 3a 00 00 00 |Closed M|or..:...|
|00002c30| 43 6c 6f 73 69 6e 67 20 | 44 61 00 00 37 00 00 00 |Closing |Da..7...|
|00002c40| 43 4d 48 43 00 00 00 00 | 00 00 00 00 3b 00 00 00 |CMHC....|....;...|
|00002c50| 43 6f 6c 6c 61 74 65 72 | 61 6c 00 00 3c 00 00 00 |Collater|al..<...|
|00002c60| 43 6f 6e 76 65 6e 74 69 | 6f 6e 00 00 3d 00 00 00 |Conventi|on..=...|
|00002c70| 44 65 65 64 00 00 00 00 | 00 00 00 00 3e 00 00 00 |Deed....|....>...|
|00002c80| 44 65 66 61 75 6c 74 00 | 00 00 00 00 3f 00 00 00 |Default.|....?...|
|00002c90| 44 65 70 6f 73 69 74 00 | 00 00 00 00 01 01 00 00 |Deposit.|........|
|00002ca0| 45 71 75 69 74 79 00 00 | 00 00 00 00 02 01 00 00 |Equity..|........|
|00002cb0| 46 69 72 73 74 20 4d 6f | 72 74 00 00 03 01 00 00 |First Mo|rt......|
|00002cc0| 46 69 78 65 64 20 52 61 | 74 65 00 00 04 01 00 00 |Fixed Ra|te......|
|00002cd0| 46 6c 6f 61 74 69 6e 67 | 20 52 00 00 05 01 00 00 |Floating| R......|
|00002ce0| 47 72 6f 73 73 20 44 65 | 62 74 00 00 06 01 00 00 |Gross De|bt......|
|00002cf0| 48 69 67 68 20 52 61 74 | 69 6f 00 00 07 01 00 00 |High Rat|io......|
|00002d00| 49 6e 74 65 72 65 73 74 | 00 00 00 00 08 01 00 00 |Interest|........|
|00002d10| 4c 69 61 62 69 6c 69 74 | 69 65 00 00 09 01 00 00 |Liabilit|ie......|
|00002d20| 4d 61 74 75 72 69 74 79 | 20 44 00 00 0a 01 00 00 |Maturity| D......|
|00002d30| 4d 6f 72 74 67 61 67 65 | 00 00 00 00 0b 01 00 00 |Mortgage|........|
|00002d40| 4d 6f 72 74 67 61 67 65 | 20 4c 00 00 0c 01 00 00 |Mortgage| L......|
|00002d50| 4d 6f 72 74 67 61 67 65 | 20 4c 00 00 0d 01 00 00 |Mortgage| L......|
|00002d60| 4d 6f 72 74 67 61 67 65 | 20 50 00 00 0e 01 00 00 |Mortgage| P......|
|00002d70| 4d 6f 72 74 67 61 67 6f | 72 00 00 00 00 00 00 00 |Mortgago|r.......|
|00002d80| 00 00 00 00 98 80 06 00 | 00 00 1a 00 00 83 1c 00 |........|........|
|00002d90| 00 00 00 74 00 00 00 00 | f7 29 00 00 00 2d 05 00 |...t....|.)...-..|
|00002da0| 00 00 4d 00 00 00 00 0b | 00 00 00 00 1a 00 00 00 |..M.....|........|
|00002db0| 00 54 28 00 00 00 c1 28 | 00 00 00 66 23 00 00 00 |.T(....(|...f#...|
|00002dc0| b3 23 00 00 00 5c 00 00 | 00 00 8a 00 00 00 00 cd |.#...\..|........|
|00002dd0| 01 00 00 00 f8 02 00 00 | 00 06 04 00 00 00 69 12 |........|......i.|
|00002de0| 00 00 00 24 0d 00 00 00 | a2 1b 00 00 00 4a 0e 00 |...$....|.....J..|
|00002df0| 00 00 e5 0f 00 00 00 25 | 11 00 00 07 64 00 00 00 |.......%|....d...|
|00002e00| 07 50 24 00 00 07 4a 2a | 00 00 07 52 26 00 00 83 |.P$...J*|...R&...|
|00002e10| 00 00 00 00 00 00 00 00 | 00 03 e7 19 00 00 4b 40 |........|......K@|
|00002e20| 4f 06 26 00 01 00 00 80 | 00 00 00 00 ff ff ff 7f |O.&.....|........|
|00002e30| 01 00 00 00 e3 00 00 00 | 00 59 07 00 00 04 00 00 |........|.Y......|
|00002e40| 00 00 28 08 00 00 01 00 | 00 00 40 38 00 00 00 00 |..(.....|..@8....|
|00002e50| 0f 00 00 00 00 00 00 00 | 00 00 00 00 00 00 00 00 |........|........|
|00002e60| 00 00 00 00 00 00 00 00 | ff ff ff 9b 40 14 00 00 |........|....@...|
|00002e70| 00 01 00 00 00 00 00 00 | 00 01 00 00 00 00 00 00 |........|........|
|00002e80| 00 01 00 00 00 d0 02 00 | 00 d0 02 00 00 a0 05 00 |........|........|
|00002e90| 00 a0 05 00 00 a0 05 00 | 00 a0 05 00 00 01 00 00 |........|........|
|00002ea0| 00 00 00 00 00 00 00 00 | 00 00 5c 00 00 10 63 00 |........|..\...c.|
|00002eb0| 00 10 04 00 00 00 65 00 | 00 10 00 00 00 00 66 00 |......e.|......f.|
|00002ec0| 00 10 00 00 00 00 64 00 | 00 10 02 06 01 00 00 00 |......d.|........|
|00002ed0| 00 00 00 00 00 00 00 00 | 00 5c 00 00 10 63 00 00 |........|.\...c..|
|00002ee0| 10 0c 00 00 00 65 00 00 | 10 00 00 00 00 66 00 00 |.....e..|.....f..|
|00002ef0| 10 00 00 00 00 64 00 00 | 10 02 06 fd 00 00 10 d0 |.....d..|........|
|00002f00| 2f 00 00 e0 3d 00 00 00 | 06 40 07 4b 02 02 02 00 |/...=...|.@.K....|
|00002f10| 98 80 06 00 00 00 1a 00 | 00 83 1c 00 00 00 00 74 |........|.......t|
|00002f20| 00 00 00 00 f7 29 00 00 | 00 2d 05 00 00 00 4d 00 |.....)..|.-....M.|
|00002f30| 00 00 00 0b 00 00 00 00 | 1a 00 00 00 00 54 28 00 |........|.....T(.|
|00002f40| 00 00 c1 28 00 00 00 e6 | 2c 00 00 00 33 2d 00 00 |...(....|,...3-..|
|00002f50| 00 d0 2d 00 00 00 8a 00 | 00 00 00 cd 01 00 00 00 |..-.....|........|
|00002f60| f8 02 00 00 00 06 04 00 | 00 00 69 12 00 00 00 24 |........|..i....$|
|00002f70| 0d 00 00 00 a2 1b 00 00 | 00 4a 0e 00 00 00 e5 0f |........|.J......|
|00002f80| 00 00 00 25 11 00 00 07 | 64 00 00 00 07 50 24 00 |...%....|d....P$.|
|00002f90| 00 07 4a 2a 00 00 07 52 | 26 00 00 83 00 00 00 00 |..J*...R|&.......|
|00002fa0| 00 00 00 00 00 03 e7 19 | 00 00 54 68 69 73 20 53 |........|..This S|
|00002fb0| 49 53 2d 66 69 6c 65 20 | 69 73 20 64 65 73 69 67 |IS-file |is desig|
|00002fc0| 6e 65 64 20 66 72 6f 6d | 20 42 49 53 4f 4e 20 53 |ned from| BISON S|
|00002fd0| 6f 66 74 77 61 72 65 2e | 20 0d 0a 42 69 73 6f 6e |oftware.| ..Bison|
|00002fe0| 20 53 6f 66 74 77 61 72 | 65 20 64 6f 65 73 6e 27 | Softwar|e doesn'|
|00002ff0| 74 20 61 63 63 65 70 74 | 20 61 6e 79 20 6c 69 61 |t accept| any lia|
|00003000| 62 69 6c 69 74 79 20 66 | 6f 72 20 74 68 65 20 0d |bility f|or the .|
|00003010| 0a 66 75 6e 63 74 69 6f | 6e 20 6f 66 20 74 68 65 |.functio|n of the|
|00003020| 20 70 72 6f 67 72 61 6d | 6d 65 20 74 6f 20 62 65 | program|me to be|
|00003030| 20 69 6e 73 74 61 6c 6c | 65 64 2e 20 0d 0a 50 6c | install|ed. ..Pl|
|00003040| 65 61 73 65 20 70 61 79 | 20 61 74 74 65 6e 74 69 |ease pay| attenti|
|00003050| 6f 6e 20 74 6f 20 74 68 | 65 20 63 6f 6d 6d 65 6e |on to th|e commen|
|00003060| 74 20 69 6e 20 74 68 65 | 20 52 45 41 44 4d 45 20 |t in the| README |
|00003070| 66 69 6c 65 0d 0a 6f 66 | 20 74 68 65 20 61 75 74 |file..of| the aut|
|00003080| 68 6f 72 2e 0d 0a 42 65 | 66 6f 72 65 20 69 6e 73 |hor...Be|fore ins|
|00003090| 74 61 6c 6c 69 6e 67 20 | 74 68 69 73 20 73 6f 66 |talling |this sof|
|000030a0| 74 77 61 72 65 20 70 6c | 65 61 73 65 20 6d 61 6b |tware pl|ease mak|
|000030b0| 65 20 61 0d 0a 42 20 41 | 20 43 20 4b 20 55 20 50 |e a..B A| C K U P|
|000030c0| 20 20 6f 66 20 79 6f 75 | 72 20 50 73 69 6f 6e 20 | of you|r Psion |
|000030d0| 53 65 72 69 65 73 20 35 | 2e 0d 0a 48 61 76 65 20 |Series 5|...Have |
|000030e0| 61 20 6c 6f 74 20 6f 66 | 20 66 75 6e 21 0d 0a 0d |a lot of| fun!...|
|000030f0| 0a 44 69 65 73 65 20 53 | 49 53 2d 44 61 74 65 69 |.Diese S|IS-Datei|
|00003100| 20 77 75 72 64 65 20 76 | 6f 6e 20 42 69 73 6f 6e | wurde v|on Bison|
|00003110| 20 53 6f 66 74 77 61 72 | 65 20 65 72 73 74 65 6c | Softwar|e erstel|
|00003120| 6c 74 2e 0d 0a 42 69 73 | 6f 6e 20 53 6f 66 74 77 |lt...Bis|on Softw|
|00003130| 61 72 65 20 fc 62 65 72 | 6e 69 6d 6d 74 20 6b 65 |are .ber|nimmt ke|
|00003140| 69 6e 65 72 6c 65 69 20 | 47 61 72 61 6e 74 69 65 |inerlei |Garantie|
|00003150| 20 66 fc 72 20 64 69 65 | 20 0d 0a 46 75 6e 6b 74 | f.r die| ..Funkt|
|00003160| 69 6f 6e 20 64 65 73 20 | 7a 75 20 69 6e 73 74 61 |ion des |zu insta|
|00003170| 6c 6c 69 65 72 65 6e 64 | 65 6e 20 50 72 6f 67 72 |llierend|en Progr|
|00003180| 61 6d 6d 65 73 2e 20 0d | 0a 42 69 74 74 65 20 62 |ammes. .|.Bitte b|
|00003190| 65 61 63 68 74 65 6e 20 | 53 69 65 20 64 69 65 20 |eachten |Sie die |
|000031a0| 48 69 6e 77 65 69 73 65 | 20 69 6e 20 64 65 72 20 |Hinweise| in der |
|000031b0| 52 45 41 44 4d 45 20 44 | 61 74 65 69 20 64 65 73 |README D|atei des|
|000031c0| 0d 0a 41 75 74 6f 72 73 | 2e 0d 0a 42 65 76 6f 72 |..Autors|...Bevor|
|000031d0| 20 53 69 65 20 64 61 73 | 20 50 72 6f 67 72 61 6d | Sie das| Program|
|000031e0| 6d 20 69 6e 73 74 61 6c | 6c 69 65 72 65 6e 20 6d |m instal|lieren m|
|000031f0| 61 63 68 65 6e 20 53 69 | 65 20 65 69 6e 20 20 0d |achen Si|e ein .|
|00003200| 0a 42 20 41 20 43 20 4b | 20 55 20 50 20 20 49 68 |.B A C K| U P Ih|
|00003210| 72 65 73 20 50 73 69 6f | 6e 20 53 65 72 69 65 20 |res Psio|n Serie |
|00003220| 35 2e 0d 0a 56 69 65 6c | 20 53 70 61 df 21 0d 0a |5...Viel| Spa.!..|
|00003230| 0d 0a | |.. | |
+--------+-------------------------+-------------------------+--------+--------+