Real Estate Loan Exhibit

REAL ESTATE LOAN EXHIBIT

This Real Estate Loan Exhibit (the "Exhibit") is attached to and made part of the Loan Agreement entered into by the parties below. Lender Name:    Borrower Name:

Date of Loan Agreement:

1. Property Identification

2. Loan Terms

Loan Amount: $    Interest Rate: per annum

Interest Type: Fixed Variable    Index/Adjustment Terms (if variable):

Origination Date:    Maturity Date:

Amortization Period (months or description):

Payment Frequency:    First Payment Date:

Late Charge:    Grace Period (days):

Prepayment: Allowed Prepayment Penalty Applies    If penalty applies, describe:

3. Security; Collateral

Security Instrument Type: Mortgage Deed of Trust    Lender's Priority:

4. Escrow, Insurance and Taxes

Escrow Agent:    Escrow Account Number:

Borrower shall maintain hazard insurance in an amount not less than: $    Lender as additional insured: Yes

Taxes and Assessments shall be paid by: Borrower Escrow account

5. Funding Conditions and Disbursement

6. Representations, Warranties and Covenants

Borrower represents and warrants that, as of the date of funding, all material information concerning the Property and Borrower's title is true and complete, that there are no undisclosed liens or encumbrances except as disclosed in writing. Borrower further covenants to maintain the Property, to pay taxes and assessments, and to maintain insurance as required herein.

7. Default and Remedies

An Event of Default shall include but not be limited to Borrower's failure to make payments when due, failure to maintain required insurance, material misrepresentations, failure to pay taxes or any breach of covenants. Upon default, Lender may declare the entire indebtedness immediately due and payable, invoke rights under the security instrument, pursue foreclosure or other remedies permitted by law, and recover costs and reasonable attorneys' fees.

8. Subordination and Assignment

The obligations under this Exhibit and the related loan documents may be assigned or transferred by Lender. Borrower consents to assignment on the condition that the assignee assumes Lender's rights and obligations under the loan documents as provided by applicable law.

9. Disclosures

Lead-Based Paint Present: Yes No

Mold or Water Intrusion History: Yes No    If yes, describe:

Prior Material Damage (fire, flood, structural): Yes No    If yes, describe:

10. Governing Law; Entire Agreement

This Exhibit shall be governed by and construed in accordance with the laws of the state in which the Property is located. This Exhibit, together with the Loan Agreement and related loan documents, constitutes the entire understanding between the parties with respect to the matters set forth herein and supersedes all prior negotiations and agreements.

11. Notices

12. Certification

Each party certifies that the information provided in this Exhibit is true, accurate, and complete to the best of its knowledge, and that each party has the authority to execute this Exhibit and to bind the party on whose behalf execution is made.

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