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4. If the borrower does not provide proof of coverage, AmeriNat’s insurance provider will send an <br />insurance policy and notification of premium to the borrower and bill AmeriNat for a one-year policy. <br />If the borrower does not have an established impound account, AmeriNat will create one and disburse <br />the premium from it. If the borrower fails to pay the premium before the end of the month, and the <br />disbursed premium results in an escrow deficit balance, the balance will be accounted for in that <br />month’s reconciliation of the Client Escrow Deficit Account. If the aggregate portfolio remittance for <br />the month is insufficient to cover the deficit amount, the Client will be billed and responsible for the <br />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 /> <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 /> <br />5. The one-year policy is cancelable by either AmeriNat or the Client. <br /> <br /> <br />Account Inquiries <br /> <br />Borrowers and the Client have 24-hour electronic access to their loan information via AmeriNat’s website <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 payment <br />histories or other information can be provided through facsimile transmission or email. When requested <br />by a borrower, AmeriNat will provide, without charge, a detailed statement of transactions relating to the <br />borrower’s payments and/or escrow account. <br /> <br /> <br />Additional Portfolio Management Services <br /> <br />1. Loan Payoff Quotations, Satisfactions, Reconveyances: AmeriNat will provide Loan Payoff <br />Quotations and will perform Satisfactions and Reconveyances of Mortgage at the borrower’s <br />expense at the Client’s request. <br /> <br />2. Loan Amortization Schedules: AmeriNat will provide Loan Amortization Schedules upon request. <br /> <br />3. Tax Forms: Pursuant to IRS regulations and, on behalf of the Client, AmeriNat will submit required <br />tax forms for borrowers paying interest on Client loans. <br /> <br />4. Year-End Account Summary: If required by regulation, AmeriNat 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 AmeriNat made <br />on the borrower’s behalf for taxes and insurance, and remaining escrow balance. <br /> <br />5. Tickler Notifications: AmeriNat will provide an annual tickler notification at the Client’s request. <br /> <br />6. Loan Confirmation Audits: AmeriNat will complete loan confirmation audits when requested by <br />the Client, Borrower, or auditors of either. Information requested generally includes unpaid <br />Docusign Envelope ID: 2B617463-847A-4D49-A35E-F34CFC91F6B8