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MATURITY EXTENSIONS 
Extensions of payment beyond the original period established for repayment of a loan. 

 

MERGER 
A combination of two or more corporations wherein the dominant unit absorbs the passive ones, the former continuing operation usually under the same name. In a consolidation two units combine and are succeeded by a new corporation, usually with a new title. 

 

MORTGAGE  
An instrument giving legal title to secure the repayment of a loan made by the mortgagee (lender). In legal contemplation there are two types: (1) title theory - operates as a transfer of the legal title of the property to the mortgagee, and (2) lien theory - creates a lien upon the property in favor of the mortgagee.  


NEGOTIATION 
The face to face process used by local unions and the employer to exchange their views on those matters involving personnel policies and practices or other matters affecting the working conditions of employees in the unit and reduced to a written binding agreement. Used also by contracting officers to reach agreement with potential contractors. 

 

NEGOTIATION DISPUTE 
That point in negotiations where labor and management cannot come to an agreement on some or all of the issues on the bargaining table and the services of the FMCS have not been utilized.  

 

NEGOTIATED GRIEVANCE PROCEDURE 
The sole and exclusive procedure available to all employees in a bargaining unit and the employer for processing grievances and disputes. 

 

NET WORTH 
Property owned (assets), minus debts and obligations owed (liabilities), is the owner's equity (net worth). 

 

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