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All righty guys, so a surety, we know thats one who agrees to be liable for the debt of another, alright. So the transactions gonna involve three parties. You have the creditor, the lender. You have the principal debtor, the borrower, the one who should be paying off the loan. And then you have the rich 3rd party, the surety, Mr. Tim Gearty, who promises to be liable, okay, pay the debt if you the principal borrower cannot pay it back. Now remember, a surety is directly liable on the contract, and thats distinguished from a guarantor. If they use the word guarantor, youre liable to the creditor, but if and only if the debtor does not perform his duty to the creditor. And then the guarantor of collection becomes liable only if the creditors unable to collect from the debtor after exhausting all legal remedies, okay, and all that kinda good stuff. And dont forget that S in the MY LEGS mnemonic. All righty, so on the exam, identify the surety. First of all, are they compe