Templewood 3

Some months out of the year, there’ s not much going on in the School Loans Department at Templewood Bank, so I handle other business, often Home Mortgages. That’s what I was doing that October when the Millers came to my office: Dad (43), Mom (38), Suzy (16) and Leah (14). I looked at their loan application and credit reports. With some clients, my first and biggest job is to wreck some daydreams.

“Mrs Miller, the collateral value of a thirty – eight year old woman who had two children is very limited, ” I told her. “The Erotics Department isn’t going to get men coming off the street for two – hundred – dolllar – an – hour p. I. v. with you. Even if you sign ‘Consent to Abuse, ’ the best Erotics can do for most women your age is a MILF scenario. That said, we do sometimes have young men with mother issues come in, and that’s why you should sign ‘Consent to Abuse’ – restraints, a little whipping, some slapping, and you could make as much as $250 an hour. ” I looked over at Dad. “As for you, the Homosexual Unit just can’t market middle – aged men with a cis – het profile. Even Consent to Abuse won’t help. ”

“What about some kind of activity that we could do as a couple?” Mrs Miller asked. She crossed her legs. They were nice legs, but not great ones. Her breasts sagged a bit, too.

I nodded. “You mean Cuckold? Well, there is a demand for that, yes. The two of you could make $150 an hour. The real money is in Raped Wife, though. If you both sign Consent to Abuse, your husband is tied to a chair while he watches you do p. I. v. or oral, with the standard $50 extra for anal. The customer is allowed to slap each of you twice, with more slaps at $10 per. ”

They looked at each other. “Can you tell how us much Templewood is prepared to lend us?” Mr Miller asked.

“You want a $400, 000 house, ” I said. “You save for a $20k down payment and have $90k equity in your condo. On the basis of your salaries, I can do $240 grand more, but that leaves you still $50, 000 short. I don’t see that much collateral in your family. Twenty grand, max, even with Raped Wife. Try aiming lower. ”

“Wait, ” Mr Miller said, “We’re prepared to sign a waiver for Suzy. We want to collateralize her virginity. ”

I examined Suzy for the first time. Red – gold hair, typical 16 – year – old breasts, nicely toned legs, decent features. She met my gaze with her expression blank, not hostile.

“Collateralizing Suzy isn’t as simple as just signing a piece of paper, ” I told Mr Miller. “First, she’ll have to inspected by a Templeton Bank executive to verify her hymen. Then she’ll have to get clearance from a physician. If the doctor issues the certificate, the court will appoint a guardian ad litem to decide if the collateral contract is in her best interests. You have to pay the costs of the inspection, medical exam, guardian’s fee and court fees up front. ”

“But doesn’t the court usually approve the agreement if the girl is willing?” Mrs Miller asked.

“Yes, ” I said. “This is doable, most definitely. But it’s important that everybody understand what they’re getting into. ” I turned to look at Suzy directly. “First of all, virginity collateral lasts for five years. You’ll sign an agreement that says you’ll refrain from p. i. v. until you’re twenty – one. If your collateral is called in, which could happen any time if your parent are late with two payments, your virginity goes up for auction. You will be required to appear at the Erotics Department to appear in a full – body marketing video, which will include shots of your hymen for verification purposes. After the auction, you can refuse the high bidder if you don’t like him. There’s a $5, 000 fee for that, though, taken out of the repayment. You can also refuse the next guy. The same penalty applies — now you’ve got $10 grand to repay off the top before the auction proceeds can be applied to your family’s debt. Templewood will now take you into custody, at your expense, because you cannot refuse Bidder #3, even if he weighs three – hundred and thirty pounds, and has bad breath. It’s up to the bidder whether he allows you to use a relaxation pill, and I tell you right now, most of them won’t let you have one, because they get off on your suffering. Bidder #3 also gets an automatic ‘Consent to Abuse’ Level Two, which allows any experience that doesn’t involve mutilation. Of course, if he chooses a Level Two act, you get the option of a pain pill for $50. He can’t override that. Also, your medical expenses with be 50% covered up to three grand after you meet the $500 deductible. You still want in?”

“I want the house we picked out, ” Suzy said. She still had that level gaze and neutral expression.

“Don’t think you can void the contract by running and getting some rando to break you in, ” I warned her. “Your parents will be arrested for fraud. Sexual collateral fraud is punishable by a minimum of seven years in Federal prison. You will be taken into the custody of the Erotics Department at your own expense. If you’re still a minor, Templewood will become your legal guardian. You will have to work off the entire value of the loan, plus a $25k penalty, the entire expense of maintaining you on the premises of Erotics, your medical care and the full cost of your parents’s incarceration, as billed by the US Bureau of Prisons. Honest American taxpayers don’t deserve to have to give fraudsters and grifters a free ride. Templewood can ask a judge to grant us a Level 3 Consent to Abuse, which allows ‘light mutilation’ – that means permanent marks on your body, usually scars. Add it up – a quarter million plus interest, another fifty k or so in penalties, the bills for accommodating you in the Erotics Department, our legal fees and $120, 000 a year charged by the Bureau of Prisons, likely for seven years. Also, your partner in fraud gets sued for tortious interference and we take him for whatever he’s got. Templewood takes our fiduciary responsibility to our shareholders seriously. You could take 20 years to pay off collateral like that, and after thirty, the only way we can market you is with painful and dangerous Consent to Abuse scenarios. ”

I don’t think Mrs Miller realized just how bad things could get. She looked frightened. “All that? We’re agreeing to all that? The courts will allow it?”

“Mrs Miller, ” I said sternly, “in just the last ten years, the use of sexual collateral has facilitated over two trillion dollars of business transactions. Not just bank loans. Rental deposits. Hotel and motel fees. Insurance. Hedge funds. Vehicle rentals. Farm subsidies. Utility deposits. Medical debts. Court costs. Co – pays of every kind. Sexual collateral is foundational to American business, and has made possible an unprecedented level of prosperity. Every country in the world has reformed their economy to adopt our ways.

“But the importance of sexual collateral goes beyond economics, ” I added. “It has transformed society. After centuries of humanity’s living in confusion and despair, 21st Century America finally separated sexuality from affection. Men and women are no longer subject to mystifications about sex and emotions. When we acknowledged that sexuality has a value that can be expressed objectively in numbers, like everything else, we liberated men and women to be honest with each other. Men can no longer be manipulated by female emotional need. Women can claim their full value in a free market. Enemies of capitalism say that we’ve ‘commodified’ sex. Well, commodities are how people meet their needs! In a less enlightened era, Suzy would not be able to reap the value of her body. She couldn’t even declare the value of her body. Now, an auction can tell her exactly the value of her body. Thirty years ago, she would have to strip in front of a full – length mirror and gaze into it to guess what she was worth. Now she can gaze in a computer screen and know exactly how much she’s worth. Do you think the courts are going to let one bratty, malcontent teenage girl threaten the greatest social and economic upgrade since the industrial revolution?

“I’m not bratty, ” said Suzy. “I’ll follow the rules. But I have a question. ”

“What do you want to know?”

“My auction value as a sixteen – year – old virgin is greater than if I wait until I’m twenty, right?”

“That’s probably true, yes. ”

“If we sign for the mortgage, can’t I have Templewood do the auction immediately? Collect the cash and use it to pay down some of the capital right away and lower the interest payments?”

“You mean use your hymen as a down payment?” I was surprised and pleased.

“Yes. ”

I turned to Mr Miller. “We can hold the auction the week after the signing, if you like. There are obvious financial advantages to applying the sexual collateral to the down payment. Most young women cash in part of their sexual collateral to repay some of their school loans early. Essentially, they use our Erotics Department as a marketing bureau. It works for them and I it will work for Suzy. I would waive the early repayment fee, of course. We still have to go through with the hymen inspection, the doctor, the guardian ad litem and the judge, but I would waive those fees too. All you would have to do is pay the court costs of the hearing. I’ll add that to the loan package. ”

“Can we qualify for the whole $400, 000?”

“I’m sure Suzy’s hymen is worth $50k, so yes. ” I looked back to Suzy, who was calm and expressionless as always. “Maximize your revenue. Don’t run up fees by rejecting the first two bidders. ”

“I won’t. ” Suzy took a breath mint from her purse and unwrapped it. “The hymen inspection, you do that, right? Can we do it right now?”

Wow, this was going great. “We can if you like?”

Suzy stood up. “Where?”

“Follow me. ”

We went to one of the exam rooms in the Loan Office Suite. Suzy wore a plaid skirt, which she unzipped at once. She kicked off her shoes, dropped her lacy black panties, climbed on the table and put her feet in the stirrups. I washed my hands and lubed my right index finger. Suzy pulled her vaginal lips apart before I asked. I could see her little membrane just fine, and I got a couple of pictures, but for the sake of filing the affidavit properly, I slid my lubed finger inside her vagina until I touched her hymen. The rules require me to verify that it exists by pressing just hard enough to cause the loan applicant “visible pain. ” Suzy screwed up her face and said “Ow!” I wasn’t really pressing her hard enough for a reaction like that, but she knew the procedure. Giving me a pain reaction before I physically invoked it wasn’t bank fraud, not really.

“I’ve had fingers in my vagina before, ” she told me. “Mine and some boys. Enough to know that the penetration itself won’t hurt, just the puncture. My membrane is pretty strong. I’m not worried about bleeding enough. ”

“I don’t think you have anything to worry about, ” I assured her.

“Since I had to go through all this, ” she said, looking me in the eye again with that look of hers that did not reveal any emotion, “can you slide your finger back and forth on my clit a few times? I need an orgasm to relax me. ”

I started rubbing her beneath her long, thin clitoral hood. “You don’t seem tense to me. ”

“Well, I didn’t like that part about Mom and Dad going to prison and me working for years and rears to pay everything off while your Erotics Department had me in a cell so I could be mutilated. Why did you have to come on so strong?”

“I have to be honest with borrowers about what can go wrong. That’s the law. ”

“Faster and firmer with the finger, please … why did you call me bratty? I can be bossy, but I’m not bratty. ”

“Sorry about that. I didn’t know you as well as I’m getting to. ”

She was panting and squirming a bit. I decided she deserved a little reward for being a good sport. I leaned forward and applied my tongue. She orgasmed in seconds, another good point in her favor. I made a mental note to tell the Erotics Department employee who shot her marketing video that she could cum almost on command. Suzy hopped down off the table, put her panties and skirt back on and offered her hand for me to shake.

“Suzy, it’s been good working with you, ” I said. “I’m going to supervise your auction myself and make sure you get a good price. I know a few decent – looking rich men I can call. I’ll try to get them interested in making good bids. ”

“Thanks, ” she said as she tied her shoes, “but I can handle even the fat, greasy ones, if that’s how it turns out. I let Dad’s boss fondle me a few times. I’m going to give him oral, too, this weekend. I’ll be ready for whatever. ”

“I hope your father got a promotion out of the deal, at least. ” I handed her her purse.

“A bonus. We couldn’t put it in writing because Dad’s company doesn’t allow underage third – party sexual kickbacks. ”

There wasn’t much more to the meeting. Formally signing the mortgage had to wait for the judge’s order, which took a week.

Suzy’s auction did not go as I expected. None of my acquaintances bid over $60k, with is about standard in these cases. The winning bid, a whopping $110, 000, came fro Mr. Miller’s boss, who was indeed fat and greasy, just as Suzy said. He showed up for the scenario with a. 20% blood alcohol level, about half a drink over the limit specified in his contract. The Repayment Officer just charged him a $3k fine and let things proceed, which was probably a mistake. He combined a soft erection with a micropenis. Poor Suzy! He just wasn’t long and hard enough to puncture her. She had to keep adjusting the position of her bottom and shoving it against him to keep his penis even in contact with her membrane. Luckily, he was intoxicated enough to interpret this as her being really into it, which finally stimulated him enough that he grew a half – erection and Suzy got him in position for the puncture. When he withdrew, he smeared some of the cum and blood from his shaft on his fingers, and rubbed it on her forehead and nipples, telling her, “Now you’re mine forever!” As if. Suzy never lost her poker face, even though I knew she was bored, tired and tired of him.

Mr Miller’s monthly mortgage payment was set a $650, one of the lowest amounts I ever got for a mortgagee.

But that wasn’t the end of things. Leah turned 16 less than a year later, and the Miller’s were back for a re – fi, with Leah’s hymen for collateral. Whereas Suzy had red – gold hair, normal teenage breasts and that wonderful stone face, Leah’s hair was curly and dark, her breasts were somewhat bigger than her sister’s and she had a natural smile and a touch of witchyness in her eyes. She got bids as high as $80k, but — you guessed it — PiggyBoss was the high bidder at $125K. He also bought some enhancements to the scenario that brought another $50k. We’ve never put Raped Daughter on the pricelist, because we don’t get many families that offer to sign for it. PiggyBoss put together his own package of morsels. Mr. Miller, his wife and Suzy were tied naked to chairs to watch Leah get punctured, and they collected ten slaps each. Leah got restraints, twenty strokes of the riding crop and five touches of the cattle prod for afterplay. The Repayment Officer who supervised the scenario advised PiggyBoss not to consume any alcohol beforehand this time, but the poor man was still stuck with a micropenis and a big belly that kept him from rubbing up against Leah without some gymnastics on her part to raise her bottom high enough for him to get his penis through her opening. It took him almost as long to finish the puncture as it did the first time. He didn’t “anoint” Leah with his mixed sperm and blood this time; he added $2000 to the repayment for her to clean his shaft with her tongue. I must say, the whole family did wonderfully. The three members tied to chairs flinched just enough at the slaps. Leach managed a smile throughout and even thanked PiggyBoss as he dressed.

The PR Department was against it, but Erotics prepared a video release about Suzy and Leah for the media. The National Times picked up the story and did a flattering profile of the “Gutsy and Charming Miller Sisters. ” The re – fi generated $60K of revenue over and above the balance of the loan. Borrowers in such cases have a choice: apply the excess to a line of credit, or take a 75% payout. (The fee charged boy the Erotics Department is the standard 25%. ) The Millers applied the line of credit to the construction of a garage, deck and pool. The girls collateralized the remaining $60K they needed and had no trouble retiring the loan in three months. The National Times profile brought them a lot of publicity and enabled them to get premium rates, the kind that usually only actresses, models and the daughters of famous people can get. College loans? You’d better believe both girls paid off their college loans before graduation!

Yesterday, I heard from Suzy again after so many years. She’s engaged to be married, and wants to finance her wedding and honeymoon. Suzy told me that she and her husband – to – be plan to start their new family during the honeymoon. You know what? I bet than in 16 years, they’ll be in the market for a nice house!