Common use of Collection Practices; Escrow Deposits Clause in Contracts

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, collection and servicing and collection practices used with respect to the Mortgage Loan have been in accordance all respects in compliance with Accepted Servicing Practices, applicable laws and regulations, and have been in all respects in compliance legal and consistent with all applicable laws and regulationsindustry standards for the servicing of non-conforming Mortgage loans similar to the Mortgage Loan. The All servicing of the Mortgage Loan has been serviced by the Company and any predecessor servicer conducted in accordance with the terms of the Mortgage NoteAccepted Servicing Practices. With respect to escrow deposits and Escrow Paymentsescrow payments, all such payments are in the possession or under the control of the Company Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments escrow payments, if any, have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every material item which that remains unpaid and which that has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments escrow payments or other charges or payments due to the Company Seller or to the applicable servicer have been capitalized under the Mortgage or the Mortgage Note and no such Note. Any interest required to be paid with respect to any escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which pursuant to state and local law has not been completed;properly paid and credited.

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company Originator and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company Originator and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company Originator have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company Originator for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, servicing origination and collection practices used with respect to the Mortgage Loan have been in accordance all respects in compliance with Accepted Servicing Practices, applicable laws and regulations, and have been in all respects in compliance legal, proper, and consistent with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms industry standards for mortgage loans of the same type as the Mortgage NoteLoan. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of of, or under control of, the Company Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments Payments, if any, have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and and, to the extent such Escrow Payments are not collected by the mortgagee or its designee under the First Lien, any escrow that has been established is in an amount sufficient to pay for every item which that remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have Borrower has been capitalized under the Mortgage or the Mortgage Note Note. Any interest required to be paid pursuant to state and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which local law has not been completedproperly paid and credited;

Collection Practices; Escrow Deposits. The originationSeller has the facilities, procedures, and experienced personnel necessary for the sound servicing of the Mortgage Loans. The servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all material respects in compliance with all applicable laws legal and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Noteproper. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal lawlaw and the provisions of the related Mortgage Note and Mortgage. An escrow of funds is not prohibited by applicable law Applicable Law and has been established in an amount sufficient to pay for every item which that remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company Seller have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company Seller for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage NoteNote and Mortgage, and the FNMA servicing guides. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and federal law and the terms of the related Mortgage Note. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, servicing origination and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments (other than with respect to Mortgage Loans for which the mortgagee under the prior mortgage lien is collecting Escrow Payments), all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such Note. With respect to escrow deposits or and Escrow Payments are being held by the Company for Payments, any work on a Mortgaged Property which interest required to be paid pursuant to state and local law has not been completedproperly paid and credited;

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used by Company with respect to the Mortgage Loan Loans have been in accordance with Accepted Servicing Practices, Practices and have been are in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow PaymentsPayments for Escrow Mortgage Loans, all such payments are in the possession of Company or the Company servicer of such Mortgage Loan and there exist exists no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All With respect to Escrow Mortgage Loans, all Escrow Payments have been collected in full compliance with state and federal law. An With respect to Escrow Mortgage Loans, unless prohibited by applicable law, an escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No With respect to Escrow Mortgage Loans, no escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under added to the outstanding principal balance on the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completed;Loan Schedule.

Collection Practices; Escrow Deposits. The origination, servicing and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Each Mortgage Loan has been serviced by the Company in strict compliance with Accepted Servicing Practices and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments, all such payments are in the possession of of, or under the Company control of, the Seller and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal lawlaw and the provisions of the related Mortgage Note and Mortgage. An escrow of funds is not prohibited by applicable law Applicable Law and has been established in an amount sufficient to pay for every item which that remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company Seller have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company Seller for any work on a Mortgaged Property which has not been completed;

Collection Practices; Escrow Deposits. The origination, servicing origination and collection practices used with respect to the Mortgage Loan have been in accordance all respects in compliance with Accepted Servicing Practices, applicable laws and regulations, and have been in all respects in compliance legal, proper, and consistent with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms industry standards for mortgage loans of the same type as the Mortgage NoteLoan. With respect to escrow deposits and Escrow Payments, if any, all such payments are in the possession of the Company of, or under control of, a Borrower and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments Payments, if any, have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and any escrow that has been established is in an amount sufficient to pay for every item which that remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have Borrower has been capitalized under the Mortgage or the Mortgage Note Note. Any interest required to be paid pursuant to state and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which local law has not been completedproperly paid and credited;

Collection Practices; Escrow Deposits. The origination, servicing origination and collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to escrow deposits and Escrow Payments (other than with respect to Second Lien Mortgage Loans for which the mortgagee under the prior mortgage lien is collecting Escrow Payments), all such payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All Escrow Payments have been collected in full compliance with state and federal law. An escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note Note. All Mortgage Interest Rate adjustments have been made in strict compliance with state and no such escrow deposits or Escrow Payments are being held by federal law and the Company for any work on a Mortgaged Property which terms of the related Mortgage Note. Any interest required to be paid pursuant to state and local law has not been completedproperly paid and credited;

Collection Practices; Escrow Deposits. The origination, servicing origination and ------------------------------------- collection practices used with respect to the Mortgage Loan have been in accordance with Accepted Servicing Practices, and have been in all respects in compliance with all applicable laws and regulations. The Mortgage Loan has been serviced by the Company and any predecessor servicer in accordance with the terms of the Mortgage Note. With respect to Mortgage Loans for which an Escrow Account is established, all escrow deposits and Escrow Payments, all such payments Payments are in the possession of the Company and there exist no deficiencies in connection therewith for which customary arrangements for repayment thereof have not been made. All With respect to Mortgage Loans for which an Escrow Account is established, all Escrow Payments have been collected in full compliance with state and federal law. An With respect to Mortgage Loans for which an Escrow Account is established, an escrow of funds is not prohibited by applicable law and has been established in an amount sufficient to pay for every item which remains unpaid and which has been assessed assessed, but is not yet due and payable. No escrow deposits or Escrow Payments or other charges or payments due the Company have been capitalized under the Mortgage or the Mortgage Note and no such escrow deposits or Escrow Payments are being held by the Company for any work on a Mortgaged Property which has not been completedNote;