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The second page is a loan agreement using one-half of the tax appraised value for the listed assets as collateral. Your current lack of available funds to pay your recurring debt temporarily reduced your credit-worthiness scores to zero, which is why the lender agreed to loan only against half the appraised value of each asset. From real estate records and the current market, the lender expects to be able to recoup their funds should you default or be late on two consecutive payments. As I am using your own company’s loan documents, so I expect that you already knew all the fine print. I do have some good news. The lender has agreed that your standard thirty-five percent interest rate on all the loans you fund will be a bit unmanageable given your current lack of available cash on hand. After some discussion, twenty-nine-point-nine percent was a more reasonable initial interest rate. They did agree that they would increase it to your default rate of forty-five percent, retroactively. You remember Kathy’s party?”“Yes, of course,” I replied.“That night, you told me everything you had done. I knew you had been with quite a few girls. After that, what happened between you and me before you left for Sweden?”“We made love,” I sighed.“Yes. And what did I tell you that night?”I thought back to that night over a year ago.“You asked me to promise that we could explore the possibilities with no commitment.”“I did. And you agreed. What else do you remember me telling you that night?”“That if we made love then, we would see how we felt about each other when I came back.”“Yes, and how you and Jennifer felt about each other. I know you don’t want to hear it, but things have changed between you and Jennifer. That was clear from what you said when we talked.”“I know they’ve changed. I’m not denying it. I even told Elyse that just last night.”“Then we can explore our relationship,” she stated.“What do you expect from me? What are you looking for?”“Just an exploration,” Bethany.
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