The solution was to merge the latter-day wadset and gage for years into a single transaction embodied in two instruments : ( 1 ) the absolute conveyance ( the " charter " ) in fee or for years to the lender; ( 2 ) an indenture or bond ( the " defeasance " ) reciting the loan and providing that if it was repaid the land would reinvest in the borrower, but if not the lender would retain title.
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