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cost until recouped from the borrower. Pay-off quotations or demands will reflect impound deficit <br /> amounts (caused by the cost of forced-place insurance or other advances)so that the borrower will <br /> still be held responsible for the cost even if they are unresponsive. <br /> The Portfolio Status Report, delivered monthly to the Client,will also reflect such negative impound <br /> balances (i.e.the total amount of such premiums owed by borrower). <br /> 5. The one-year policy is cancelable by either Servicer or the Client. <br /> Account Inquiries <br /> Borrowers and the Client have 24-hour electronic access to their loan information via Servicer's webslte <br /> at www.amerinat.com. Continuous access to loan account information Is also provided during normal <br /> working hours through toll-free customer service telephone lines. In addition, hard copy account <br /> payment histories or other information can be provided through facsimile transmission or email. When <br /> requested by a borrower, Servicer will provide, without charge, a detailed statement of transactions <br /> relating to the borrower's payments and/or escrow account, <br /> Additional Portfolio Management Services <br /> 1. Loan Payoff Quotations,Satisfactions, Reconveyances; Servicer will provide Loan Payoff Quotations <br /> and will perform Satisfactions and Reconveyances of Mortgage at the borrower's expense at the <br /> Client's request. <br /> 2. Loan Amortization Schedules: Servicerwill provide Loan Amortization Schedules upon request. <br /> 3. Tax Forms: Pursuant to IRS regulations and,on behalf of the Client,Servicer will submit required tax <br /> forms for borrowers paying interest on Client loans. <br /> 4. Year-End Account Summary: If required by regulation, Servicer will supply a year-end account <br /> summary statement to a borrower if there has been principal, Interest or escrow activity on their <br /> account.The report will indicate principal,and interest paid, amount of payments Servicer made on <br /> the borrower's behalf for taxes and insurance,and remaining escrow balance. <br /> 5. Tickler Notifications: Servicer will provide an annual tickler notification at the Client's request. <br /> 6. Loan Confirmation Audits: Servicer will complete loan confirmation audit requests when requested <br /> by the Client, Borrower, or auditors of either. Information requested generally includes unpaid <br /> principal balance, interest rate, date to which Interest has been paid,terms of payment of principal, <br /> current escrow deposit amounts,and escrow amounts paid during a specified period. <br /> Loan Transfer <br /> In the event the Client requires Servicer to transition loans back to the Client or to another servicer, <br /> Servicerwill gather and package loan files(hard-copy and/or electronic copy)for shipment.The Servicer's <br />