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($    :;<9A<< c\  `*Times New RomanTT3|x\  `*Times New RomanTTC\  P6QP<6X9`("Courier NewTTTTd6X@DQ@\  `*Times New RomanTTXXP\  P6QXP<6X9`("Courier NewTTTTXXx6X@DQX@\  `*Times New RomanTT^\  P6QP\  `*Times New RomanTT|\  P6QP\  `*Times New RomanTT6\  P6QP\  `*Times New RomanTT<\  P6QP(J7R$K  /ters6U 0-0 E7R!' w'   _XHHhE1HHP X`h!$XE' w     l'ChicagoTitleInsuranceCompany h   'l  P'REVERSEMORTGAGEENDORSEMENT ( FORMORTGAGESMADEPURSUANTTOSECTIONS ; &    E1HHP X`h!$HHXE       280AND280aOFTHEREALPROPERTYLAWX XP   N FE     HHXHHX'V    ' XXX X'     P     X      `   TitleNo.{Enter}  *   XX@   & k   @X X @X X X@X       K[ XXAttachedtoandmadeapartofPolicyNumber{Enter}   /  E     K[@  'k/ '  7  @X X @X X X@X        XX@  7E    @  @@  @  @K[ @K[@K[TheCompanyherebyinsurestheowneroftheindebtednesssecuredbytheinsuredmortgagereferredtoinScheduleAagainstlossordamage  2  whichsaidInsuredshallsustainbyreasonoftheinvalidity,_unenforceability_Ԁorlossofpriorityofthelienoftheinsuredmortgageassecurity V  forthepaymentofadvancesmadefortheprincipalamountoftheinsuredmortgage,sharedappreciation,accruedbutunpaidinterestand/or   compoundinterestassetforthanddefinedintheloanagreementand/orNoteortheMortgage(collectivelyorsingularlythe"Loan  f  Documents"),providedthatsuchinvalidity,_unenforceability_Ԁorlossofpriorityofthelienoftheinsuredmortgageiscausedorcreatedbythe  "  provisionsoftheLoanDocuments. F   K[@  @K[ @K[@K[Thisendorsementdoesnotinsureagainstlossordamagebasedupon(a)usury,(b)anyconsumercreditprotectionortruthinlendinglaw, I _(c_)anyviolationbytheInsuredofanyoftheprovisionsoftheNewYorkReverseMortgageStatute(Sections280and280aoftheReal m PropertyLaworanysuccessorstatute)ortheregulationspertainingthereto,(d)thelifetimepossessionasisstatedunderSection280a(2)(a) ) oftheRealPropertyLaw,or(e)costs,expensesorattorneyfeesrequiredtoobtainadetermination,byjudicialprocedureorotherwise,ofthe } amountof(_i_)sharedappreciationinterest,(ii)accruedbutunpaidinterest,or(iii)compoundinterest. 9  K[@  @K[ @K[@K[ThisendorsementdoesnotinsurethatadvancesmadeafterDateofPolicypursuanttotheLoanDocumentshavepriorityoverthefollowing   mattersarisingsubsequenttotheDateofPolicy: `  K[@  H4HHtP X`h!$HHXH0 t @K[ @K[@K[1.FederalTaxLiens;3t$t$ 0 t 2.Bankruptciesaffectingtheestateorinterestofthevestee;t$t$ 0 t 3.Realestatetaxes,assessments,waterandsewerrentcharges;Ct$t$ 0 t 4.Liens,encumbrancesorothermattersifanevent,entitlingtheInsuredtodeclaretheloantobeindefaultunderthetermsoftheLoan g Documents,theexistenceofwhicheventofdefaultisactuallyknowntotheInsured,occursbeforethedateofanysuchadvance.#t$t$ K1HHP X`h!$HH,XK K[@  @K[ @K[@K[ThetotalliabilityoftheCompanyundersaidPolicyandanyendorsementsthereinshallnotexceed,intheaggregate,thelesserof(a)thetotal &  amountoutstandingforprincipal,sharedappreciationinterestandaccruedbutunpaidinterestand/orcompoundinterestatthetimeofloss, J! (b)thefairmarketvalueofthepremisesatthetimeofloss,andcostswhichtheCompanyisobligatedtopayundertheconditionsand " stipulationsthereof,or_(c_)thefaceamountofthePolicy. Z#  K[@  @K[ @K[@K[TimeoflossshallbesuchdateastheInsuredshallhaveactualknowledgeoffactsgivingrisetoaclaimunderthePolicy. -%  K[@  @K[ @K[@K[Notwithstandinganyotherprovisioninthepolicyorendorsementtheretorelatingtoarbitrationorawaiverthereof,thefairmarketvalueat 0' thetimeoflossshallbesuchvalueoftheinsuredpremisesasisdeterminedbythreearbitratorsoranytwoofthenoneofwhomshallbe T ( chosenbytheInsuredandonebytheCompany,andthetwosochosenselectingthethirdarbitrator.Suchvalueshallexcludethemarketvalue !) ofanyimprovementsmadetothepremisessubsequenttotheDateofPolicy. !d *  K[@  8  E1HHP X`h!$HHXE      @K[ @K[@K[Thisendorsementismadeapartofthepolicyandissubjecttoallofthetermsandprovisionsthereofandofanypriorendorsementsthereto,except 7#!, asmodifiedbytheprovisionshereof.Excepttotheextentexpresslystated,itneithermodifiesanyofthetermsandprovisionsofthepolicyandany #"- priorendorsementorendorsements,nordoesitextendtheeffectivedateofthepolicyandanypriorendorsements,nordoesitincreasetheface $G#. amountthereof.X XK[ k%$/ 8]E     HHXHHX    XX@   @X X @X X X@XDated: {Enter}  &n%1   XX@  @X X @X X X@XCountersigned P     X   ChicagoTitleInsuranceCompany s( '3   XX@  @X X @X X X@X򀀀 P     X   BY:' XXX X'Ԁ   XX@   *(5 AuthorizedSignatory *)6   _TIRSA_ԀREVERSEMORTGAGEENDORSEMENT(1/31/95)SECTION280AND280aOFTHEREALPROPERTYLAW