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The tutorial begins with a disclaimer that the presenter is not an attorney and that the information provided is strictly for educational purposes based on personal experiences, not legal advice. The focus shifts to the third document concerning mortgages, specifically the promissory note. According to Investopedia, a promissory note is a financial instrument that includes a written promise from one party (the issuer or maker) to pay a specific sum of money to another party (the payee) either on demand or at a designated future date. The note typically outlines all relevant terms pertaining to the debt.