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<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:26.0pt;mso-bidi-font-size:12.0pt;font-family:Arial'>Addi=
tional
resources and information on<o:p></o:p></span></p>

<h1><b><span style=3D'font-size:28.0pt;mso-bidi-font-size:12.0pt;font-famil=
y:
"Arial Black";mso-bidi-font-family:Arial'>Reverse Mortgages<o:p></o:p></spa=
n></b></h1>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><span
style=3D'font-family:Arial'>Presented by <a href=3D"http://www.randytemplem=
an.com/">Randy
<span class=3DSpellE>Templeman</span></a> (607) <b><span style=3D'color:red=
'>785-8585</span></b><o:p></o:p></span></p>

<p class=3DMsoNormal align=3Dcenter style=3D'text-align:center'><o:p>&nbsp;=
</o:p></p>

<p class=3DMsoNormal><span lang=3DEN style=3D'color:blue;mso-ansi-language:=
EN'><!--[if gte vml 1]><v:shapetype
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: the power to make it better (tm)"
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 <v:imagedata src=3D"ReverseMortgages_files/image001.gif" o:href=3D"http://=
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alt=3D"AARP: the power to make it better (tm)" v:shapes=3D"_x0000_i1025"></=
span><![endif]><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><span lang=3DEN style=3D'font-size:14.0pt;font-family:Arial;
mso-ansi-language:EN'>To visit their website,<span style=3D'color:blue'> <a
href=3D"http://www.aarp.org/revmort">click here</a></span></span><span lang=
=3DEN
style=3D'color:blue;mso-ansi-language:EN'><o:p></o:p></span></p>

<p class=3DMsoNormal><span lang=3DEN style=3D'color:blue;mso-ansi-language:=
EN'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:9.0pt;font-family:Arial;color=
:black'><!--[if gte vml 1]><v:shape
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eight:35.25pt'>
 <v:imagedata src=3D"ReverseMortgages_files/image002.gif" o:href=3D"http://=
www.ftc.gov/images/header3.gif"/>
</v:shape><![endif]--><![if !vml]><img border=3D0 width=3D370 height=3D47
src=3D"ReverseMortgages_files/image002.gif" v:shapes=3D"_x0000_i1029"><![en=
dif]></span><span
style=3D'font-size:14.0pt;font-family:Arial'>Reverse Mortgages:<o:p></o:p><=
/span></p>

<p class=3DMsoNormal><span style=3D'font-size:14.0pt;font-family:Arial'><sp=
an
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</s=
pan><span
style=3D'mso-spacerun:yes'>&nbsp;</span><a
href=3D"http://www.ftc.gov/bcp/conline/pubs/homes/rms.htm">Get the Facts Be=
fore
Cashing In On Your Home&#8217;s Equity</a> (html)<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:18.0pt;mso-bidi-font-size:12.=
0pt;
font-family:Arial'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;</span></span><span
style=3D'font-size:14.0pt;font-family:Arial'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><s=
pan
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style=3D'mso-spacerun:yes'>&nbsp;</span><a
href=3D"http://www.ftc.gov/bcp/conline/pubs/homes/rms.pdf">Get the Facts Be=
fore
Cashing In On Your Home&#8217;s Equity</a> (<span class=3DSpellE>pdf</span>=
)<o:p></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:10.0pt;mso-bidi-font-size:12.=
0pt'><!--[if gte vml 1]><v:shape
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images.google.com/images?q=3Dtbn:_AiOKFnbbKdEXM:www.explorechinatown.com/Im=
ages/HUD_Logo.gif"/>
</v:shape><![endif]--><![if !vml]><img border=3D0 width=3D114 height=3D114
src=3D"ReverseMortgages_files/image003.jpg" v:shapes=3D"_x0000_i1026"><![en=
dif]></span><span
style=3D'font-family:Arial;color:blue'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;
</span></span><span style=3D'font-size:14.0pt;font-family:Arial;color:#3300=
66'><a
href=3D"http://www.hud.gov/offices/hsg/sfh/hecm/hecmabou.cfm">About Reverse
Mortgages for <span class=3DGramE>Seniors</span> (HECM)</a></span><span
style=3D'font-size:18.0pt;font-family:Verdana;color:#330066'><o:p></o:p></s=
pan></p>

<p class=3DMsoNormal><span style=3D'font-size:18.0pt;font-family:Verdana;
color:#330066'><span style=3D'mso-spacerun:yes'>&nbsp;</span><o:p></o:p></s=
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<p class=3DMsoNormal><span style=3D'color:blue'><!--[if gte vml 1]><v:shape=
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 height:17.25pt' o:button=3D"t">
 <v:imagedata src=3D"ReverseMortgages_files/image004.gif" o:href=3D"http://=
www.fanniemae.com/global/images/shared/FannieMaeLogo.gif"/>
</v:shape><![endif]--><![if !vml]><span style=3D'mso-ignore:vglayout'><img
border=3D0 width=3D131 height=3D23 src=3D"ReverseMortgages_files/image004.g=
if" v:shapes=3D"_x0000_i1027"></span><![endif]></span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
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sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
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sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span><span style=3D'font-size:14.0pt;font-family:Arial'><a
href=3D"http://www.fanniemae.com/homebuyers/findamortgage/reverse/index.jht=
ml?p=3DFind+a+Mortgage&amp;s=3DReverse+Mortgages+for+Seniors">Reverse
Mortgages for <span class=3DGramE>Seniors</span></a></span><span
style=3D'font-size:18.0pt;mso-bidi-font-size:16.5pt;font-family:Arial'><o:p=
></o:p></span></p>

<p class=3DMsoNormal><span style=3D'font-size:18.0pt;mso-bidi-font-size:16.=
5pt;
font-family:Arial'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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<p class=3DMsoNormal><!--[if gte vml 1]><v:shape id=3D"_x0000_i1028" type=
=3D"#_x0000_t75"
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 <v:imagedata src=3D"ReverseMortgages_files/image005.gif" o:href=3D"http://=
www.workforcenewyork.org/images/nysbd5.gif"/>
</v:shape><![endif]--><![if !vml]><img border=3D0 width=3D188 height=3D38
src=3D"ReverseMortgages_files/image005.gif" alt=3D"NYS Banking Department" =
v:shapes=3D"_x0000_i1028"><![endif]><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
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style=3D'mso-spacerun:yes'>&nbsp;&nbsp;</span></span><span style=3D'font-si=
ze:14.0pt;
font-family:Arial'><a href=3D"http://www.banking.state.ny.us/brrm.htm">Cons=
umer
Help and Information</a></span><span style=3D'font-family:Arial'><br clear=
=3Dall>
<span style=3D'mso-spacerun:yes'>&nbsp;</span></span><span lang=3DEN
style=3D'color:blue;mso-ansi-language:EN'><o:p></o:p></span></p>

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