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WITH WHICH THE BANK WAS PROCEEDING ACCORDING TO REGULATIONS. REQUESTS OUR DECISION AS TO WHETHER YOU ARE AUTHORIZED TO CERTIFY THE VOUCHER AND SCHEDULE OF PAYMENTS FORM ATTACHED THERETO. SINCE SHE WAS OVER 65 YEARS OF AGE AT THE TIME OF SIGNING THE NOTE. HARWOOD ADVISING HER THAT HER LOAN WAS NOT COVERED BY LIFE INSURANCE AND STATING THAT MR. "WISHES TO ASSUME THE RESPONSIBILITY OF THE PROPER AND CORRECT BALANCE OF THE LOAN SHOULD YOU DIE PRIOR TO THE TIME THE LOAN IS DUE TO BE PAID OFF.'. THIS WAS THE FIRST INFORMATION THE BANK HAD RECEIVED OF THE FACTS SET OUT IN THE PRECEDING PARAGRAPH. TO THE BANK'S LETTER TO THE ATTORNEY FOR THE ESTATE ADVISING THAT SHE HAD DIED AND THAT AS FAR AS SHE WAS CONCERNED.

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