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					Borrower_______________________                         Freddie Mac #_____________________

Property________________________                        Closing Date___________________


                                 REVIEW CHECKLIST FOR FINAL DELIVERY
                                  ELECTRONIC MORTGAGE DOCUMENTS
                                           (Revised 01-31-2009)


                                                  For Use With:
                                       SUPPLEMENTAL MORTGAGE (INCLUDING SPLIT
                                       MORTGAGE EXCEPT WHEN NOTED)
                                       SENIORS HOUSING
                                       CONSOLIDATED MORTGAGE
                                       MODIFIED AND EXTENDED MORTGAGE
                                       AMENDED AND RESTATED (FLORIDA AND
                                       MARYLAND)
                                       ILLINOIS LAND TRUST
                                       LEASEHOLD
                                       ADJUSTABLE RATE
                                       FIXED TO FLOATING RATE
                                       DEFENSIVE REFINANCE
                                       MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                                       CROSS-COLLATERALIZED LOANS
                                       STREAMLINED MORTGAGE
** Revision Dates appear on the website in "Currently Acceptable Mortgages Documents". Please see
referenced Multifamily Seller/Servicer Guide sections for the full requirements for each item listed. In the event of
a conflict between this checklist and any document or condition set forth in the Commitment or the Guide, please
contact the Freddie Mac Multifamily Attorney. This checklist is provided for your convenience only, is not meant
to replace the requirements of the Guide or Commitment, and is not meant to be the definitive source of Freddie
Mac's delivery requirements.



       Description
 1.    Seller's Written Verification (of UPB and interest paid to date)

 2.     Wiring Instructions and Warehouse Lending Documents
        Warehouse Lender Release of Security Interest (Form 996M)
        a.     wire instructions complete
        b.     signed by warehouse lender

         Wire Transfer Authorization for Cash Warehouse Delivery (Form 987M)
         a.    bank information complete



Review Checklist For Final Delivery
Special Products (01-31-2009)
       Description
        b.      signed by Seller

         Multifamily Wire Transfer Authorization Form (Form __) (For loans that are not
         warehoused loans)
         a.     wire instructions complete
         b.     signed by Seller

 3.    Original Note
       Use the following checklists to review the Note

       SEE FIXED RATE CHECKLIST OR
       SEE ADJUSTABLE RATE CHECKLIST OR
       SEE FIXED TO FLOAT RATE CHECKLIST OR
       SEE FLOAT TO FIXED TO FLOAT CHECKLIST
       CONSOLIDATED MORTGAGE
       MODIFIED AND EXTENDED MORTGAGE


       CONSOLIDATED MORTGAGE
       Gap Note (only if amount of Mortgage exceeds existing indebtedness)
       a.     Multistate Multifamily Note or other form approved by Freddie Mac
       b.     Freddie Mac loan number
       c.     Dated
       d.     Only for amount of new funds
       e.     Other than amount and date, other terms are irrelevant
       f.     Signed by Borrower
       g.     Endorsement
              i.    Not in blank
              ii.   Not on allonge unless there is insufficient room on note
       h.     Power of Attorney (if applicable)-certified copy stapled to Gap Note

        CONSOLIDATED MORTGAGE
        Existing Note(s)
         a.     Executed original of all note(s) listed in Exhibit B-1 of Consolidation
                Agreement or lost note affidavit (acceptable to Freddie Mac Multifamily
                Attorneys)
         b.     Endorsement per Guide Section 32.4(c)(2) to Freddie Mac on each note
         c.     Check that the information contained on Exhibit B-1 of the Consolidation
                Agreement is identical to the actual information on the Existing Note(s)
         d.     Consolidated, Amended and Restated Note (See separate Note Checklist)

        MODIFIED AND EXTENDED MORTGAGE
        Existing Note



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       Description
        a.      Executed original of the note listed in Exhibit B of the Modification and
                Extension Agreement or lost note affidavit (acceptable to Freddie Mac
                Multifamily Attorneys) (There should be only one original Existing Note.
                There can be more than one Existing Note only if the Existing Notes were
                previously consolidated.)
        b.      Endorsement per Guide Section 32.4(c)(2) to Freddie Mac on the Existing
                Note
        c.      Check that the information contained on B of the Extension and Modification
                Agreement is identical to the actual information on the Existing Noted.
        d.      Modified and Extended Note (See separate Note Checklist)

        AMENDED AND RESTATED (FLORIDA AND MARYLAND)
         a. In Maryland, the original note(s) should be delivered as part of the final
            delivery package
         b. In Florida, the original note(s) should be attached to the new Note.
         c.  For both Florida and Maryland use correct version of Amended and Restated
            Multifamily Note based on Revision Date**
            i.      Preliminary Statement A – should describe the entire history of the
                    Note.
                    In Florida, the original note(s) should be attached to the new Note.
                    In Maryland, the original note(s) should be delivered as part of the
                    final delivery package.
            ii.     Preliminary Statement B- should describe the history of the security
                    instrument(s) securing the original note(s) and should be the same as
                    the description of the original security instrument(s) that appears in
                    the title policy
            iii.    Preliminary Statement e- if completed with an increased loan amount,
                    the amount must be the Freddie Mac Mortgage amount and complete
                    second blank with additional advance amount

       MARYLAND INDEMNITY DEED OF TRUST (IDOT)
        a.  Attach to Exhibit A Maryland IDOT Note Modifications - Correct version
            based on Revision Date** and mark box with “X” that Exhibit A is attached
        b.  Complete Modification 5 modifying Section 9(c) of the Note for imposition
            deposits marked as “deferred”, “waived”, or “n/a”, as applicable



 4.    Security Instrument
        CONSOLIDATED MORTGAGE
        MODIFIED AND EXTENDED MORTGAGE
        use the following to review Exhibit C of Consolidation Agreement or Modification
        and Extension Agreement



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            MARYLAND INDEMNITY DEED OF TRUST (IDOT)
            Use Multifamily Indemnity Deed of Trust, Assignment of Rents and Security
            Agreement – Correct version based on Revision Date**

        a.        State designated Multifamily uniform form
                  AMENDED AND RESTATED
                  Maryland Amended and Restated Multifamily Deed of Trust
                  Florida Amended and Restated Multifamily Mortgage
       b.         Correct version based on Revision Date**
       c.         Freddie Mac loan number
                  AMENDED AND RESTATED
                  If the Mortgage refinances a Freddie Mac Mortgage, the Security Instrument
                  should include both the new and refinanced loan numbers
       d.         Recorder's stamp and instrument number clearly shown, or copy is certified by
                  title company or closing agent as being true copy of recorded original
       e.         Dated same as Note
       f.         AMENDED AND RESTATED
                  i.      Preliminary Statement A – should describe the entire history of the
                          Note
                  ii.     Preliminary Statement B- should describe the history of the security
                          instrument(s) securing the original note(s) and should be the same as
                          the description of the original security instrument(s) that appears in the
                          title policy
                  iii.    Preliminary Statement D- if completed with an increased loan amount,
                          the amount must be the Freddie Mac Mortgage amount
                  iv.     Correct version of Multifamily security instrument that is incorporated
                          based on Revision Date **
       g.         All blanks correctly completed
                  i.      1st page, section 1 - name and address of Borrower
                          MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                          1st page, Section 1 – name and address of Grantor
                  ii.     1st page, section 1 - name and address of Seller or Trustee
                  iii.     1st page, section 2 - amount of loan and maturity date
                            MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                            Additionally, to items listed in (g) (iii) above, 1st page, section 2 –
                           name of Borrower
                  iv.     FIXED TO FLOAT – maturity date should be the extended date (12
                          months additional)
                  v.      1st page, section 3 - place of recordation and legal description
                  vi.     ILLINOIS LAND TRUST – page 1, section 1
                                Name of Land Trustee
                                Date of Land Trust
                                Land Trust number
       h.         Correct Section 21 selected, blanks completed and inappropriate version of



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                Section 21 deleted
                i.     correct version of Section 21 - All loans (except Seniors Housing,
                       Adjustable Rate Mortgage with a third party cap and Defensive
                       Refinance) should contain the version of Section 21 [RIGHT TO
                       UNLIMITED TRANSFERS]
                ii.    review fee completed ($3,000) in Section 21(c)(vii)(1)
                iii.   correct individual or entity named in Section 21(c)(vii)(3)
                iv.    review fee completed ($3,000) in Section 21(f)(viii)(A)
                v.     transfer fee completed (1% of UPB) in Section 21(f)(viii)(B)
                vi.    SENIORS HOUSING
                        ADJUSTABLE RATE with a third party cap
                        DEFENSIVE REFINANCE
                        should contain the version of Section 21 [NO RIGHT TO
                        TRANSFER]
                vii.    ADJUSTABLE RATE (with internal cap)
                       should contain the version of Section 21 [RIGHT TO UNLIMITED
                       TRANSFERS]
       i.       Signed by Borrower
                i.     CONSOLIDATED MORTGAGE
                       MODIFIED AND EXTENDED MORTGAGE
                       Exhibit C not signed
                ii.   ILLINOIS LAND TRUST
                       signed by Land Trustee
                iii.  AMENDED AND RESTATED
                      Signed by Borrower and Lender (Florida)
                      Signed by Borrower, Lender and Substitute Trustee (Maryland)
                iv.   MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                      Signed by Grantor
       j.       Power of Attorney (if applicable)
                i.    POA recorded prior to Security Instrument
                ii.   Attach copy of recorded Power of Attorney to copy of Security
                      Instrument delivered to Freddie Mac (Prior to origination, bring to
                      Legal’s attention any Security Instrument executed under a Power of
                      Attorney)
       k.       Exhibit A - Description of Land
                i.     Exhibit A box checked
                ii.    Description of Land attached
                iii.   Description of Land is the same as title policy legal description
       l.       Exhibit B - Modifications to Instrument (if applicable)
                i.     Exhibit B box checked
                ii.    Terms contained in Exhibit B consistent with Commitment or pre-
                       approved by Legal
                iii.   LEASEHOLD
                        Exhibit B always applicable
                        Exhibit B box checked



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                         Modifications to Instrument (Leasehold Mortgage Loan)
                iv.     SUPPLEMENTAL (EXCEPT SPLIT MORTGAGES)
                        Insert for Supplemental Lien Multifamily Security Instrument attached
                        to Supplemental Mortgage
                        For third mortgages or greater use Insert for Additional Supplemental
                        Instrument
                v.      SENIORS HOUSING
                         Exhibit B always applicable
                         Exhibit B box checked
                         Seniors Housing Rider (Correct Subsection (g) included [Assisted
                           Living or Skilled Nursing Version] or [Independent Living
                           Version])
                         Seniors Housing Rider for Operating Lease, if applicable
                vi.     AMENDED AND RESTATED
                         Exhibit B always applicable
                         Exhibit B box checked
                         Exhibit B terms include section "No Novation; No Defenses."
                vii.   ILLINOIS LAND TRUST
                         Must include Exhibit B – Modifications to Security Instrument for
                           Illinois Land trust Transactions

       m.      Acknowledged in accordance with state law

       CONSOLIDATED MORTGAGE
       Gap Security Instrument (only if Gap Note is executed)
        a.     State designated Multifamily Security Instrument or other form approved by
               Freddie Mac
        b.     Recorder’s stamp and instrument number clearly shown, or copy is certified
               by title company or closing agent as being copy of recorded original
        c.     Freddie Mac loan number
        d.     Dated same as Gap Note
        e.     In amount of Gap Note
        f.     Same maturity date as Gap Note
        g.     Other than amount and maturity date, other terms are irrelevant
        h.     Signed by Borrower
        i.     Acknowledged
        j.     Legal description of land is included or attached
        k.    Power of Attorney (if applicable)-recorded prior to Gap Mortgage

       Consolidation Agreement or Extension Agreement
        a.     Correct version based on Revision Date (Must be after February 5, 2008)**.
        b.     Recorder’s stamp and instrument number clearly shown, or copy is certified
               by title company or closing agent as being copy of recorded original
        c.     Freddie Mac loan number
        d.     Dated



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         e.      All blanks completed
         f.      Signed by Borrower and Seller
         g.      Acknowledgment for Borrower and Seller
         h.      Exhibits attached
                 1.      Exhibit A - Legal Description
                 2.      Exhibit B-1 of Consolidation Agreement -List of Existing Notes (ends
                         with Gap Note if one was executed)
                         Check that the identifying information on this list is identical with the
                         notes actually delivered
                 3.      Exhibit B-2 of Consolidation Agreement - List of Existing Mortgages
                         (ends with Gap Mortgage if one was recorded)
                         Check that this list is identical to the mortgages listed in the title
                         policy
                         Check that the information on the actual mortgages (if delivered) is
                         identical to this list
                 4.      Exhibit B of Modification and Extension Agreement – Existing Note
                         and Mortgage
                         Check that the identifying information on this list is identical with the
                         note actually delivered
                         Check that existing mortgage listed is identical to the one listed on the
                         title policy
                 5.      Exhibit C – Terms of Consolidated or Modified Mortgage
                        (See item #4 Security Instrument for items to review)
                         This Exhibit does not need to be executed and the Borrower does not
                         need to initial the signature page.
                 6.     Exhibit D – Modifications to Agreement (if applicable)

       CONSOLIDATED MORTGAGE
       MODIFIED AND EXTENDED MORTGAGE-
       Section 255 Affidavit

 5.    CROSS COLLATERALIZED LOANS
       Cross-Collateralization Agreement and Amendment to Security Instrument
       a.     Correct version based on Revision Date**
       b.     Freddie Mac loan number
       c.     Dated same date as Note
       d.     All blanks correctly completed
       e.     Check that chart of Related Loans, Related Properties and Related Loan
              amounts matches Commitment
       f.     Signed by Borrower and Seller
       g.     Recorded after Security Instrument and Assignment of Security Instrument
        h.     MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              All Maryland IDOT loans will need standard Cross-Collateralization
              Agreement to be revised to reflect IDOT structure and to be executed by
              Borrower, Grantor, and Seller



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  6.   Assignment of Security Instrument
       a.     Correct version based on Revision Date**
       b.     Recorder's stamp and instrument number clearly shown or copy is certified
              true by title company or closing agent
       c.     Freddie Mac loan number
       d.     Dated (on or after the date of the Instrument)
       e.     Seller’s name and address completed
       f.     Correctly describes Instrument
              i.      Name of Instrument
              ii.     Date of Instrument
              iii.    Name of Borrower
              iv.     Amount of Loan
              v.      Recordation information or notation that Security Instrument was
                      recorded immediately prior to assignment

       ILLINOIS LAND TRUST
             i.     Name of Land Trustee and date of Land Trust
             ii.    Amount of Loan
             iii.   Recordation information or notation that Security Instrument was
                    recorded immediately prior to assignment
        g.   Signed by Seller
        h.   Acknowledged in accordance with state law
        i.   Legal description attached
        j.   Recorded after Security Instrument

       CONSOLIDATED MORTGAGE
       MODIFIED AND EXTENDED MORTGAGE
       Assignment of Consolidation Agreement or Assignment of Extension Agreement:
        a.    Correct version based on Revision Date**
        b.    Recorder's stamp and instrument number clearly shown or copy is certified by
              title company or closing agent
        c.    Freddie Mac loan number
        d.   Dated (on or after the date of the Consolidation or Extension Agreement)
        e.    Correctly describes Consolidation or Extension Agreement
        f.    Does not say "without recourse"
        g.    Signed by Seller
        h.    Acknowledged in accordance with state law
        i.    Legal description attached
        j.    Recorded after Consolidation or Extension Agreement
        k.    List of Mortgages in Exhibit B should end with Gap Mortgage if one was
              executed (Consolidations only)
        l.   Modified so that description of the instrument assigned includes description
              (with recording information) of Consolidation Agreement or Modification
              and Extension Agreement, as applicable




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       CROSS COLLATERALIZED LOANS
       Assignment of Cross Collateralization Agreement
       a.     Based on Assignment of Security Instrument
       b.     Recorder's stamp and instrument number clearly shown or copy is certified
              true by title company or closing agent
       c.     Freddie Mac loan number
       d.     Dated (on or after the date of the Cross Collateralization Agreement)
       e.     Seller’s name and address completed
       f.     Correctly describes Cross Collateralization Agreement
              i.      Date of Cross Collateralization Agreement
              ii.     Name of Borrower
              iii.    Recordation information or notation that Cross Collateralization
                      Agreement was recorded immediately prior to assignment


 7.    Financing Statements (UCC-1)
        a.    Land Records (if applicable per certification of Seller’s counsel required by
              Guide Section 32.4(f)) and
        b.    State where Borrower is organized (for registered entities) or
              Principal place of business (for nonregistered entities) or
              Residence (for individuals) or
              District of Columbia (for foreign entities)
              MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              State where Grantor is organized (for registered entities) or
              Principal place of business (for nonregistered entities) or
              Residence (for individuals) or
              District of Columbia (for foreign entities
        c.    File Stamp, instrument # or certified true by title company
        d.    Freddie Mac loan number
        e.    Certified copy of organizational documents as evidence that Debtor’s name is
              exact (Organizational documents do not need to be attached to or filed with
              UCC. Organizational Documents should be included in final delivery
              package in order to ascertain that name on UCC matches name on
              organizational documents. The Certificate of Good Standing attached to
              Borrower's attorney's opinion is acceptable for this purpose.)
        f.    Organization identification number, if appropriate
        g.    Assignee box completed – (optional)
              i.     Freddie Mac named as assignee in Box 3
              ii     Freddie Mac address correct (PHO or Region)
        h.    Signature of Debtor not required
        i.    Exhibit A – (legal description)
        j.    Exhibit B – correct version based on Revision Date**
              SENIORS HOUSING
              Exhibit B to Financing Statement for Seniors Housing – Correct version based
              on Revision Date**



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        k.      Certification of Seller's counsel as to the following:
                i.      It has examined the UCC search;
                ii.     The UCC search is dated no earlier than 30 days before origination;
                iii.    The UCC search does not indicate any previous filings other than those
                        that will be released or were previously approved by Freddie Mac; and
                iv.     Certification regarding filing location (One of the following two
                        statements, as applicable):
                        1.      A UCC fixture financing statement (and, if applicable, an
                                assignment of same) has been filed with the applicable county
                                recorder’s office to perfect Freddie Mac’s security interest in
                                the fixtures of the Mortgaged Property, a copy of which is
                                included in the final closing package.
                        2.      A separate UCC fixture financing statement has not been filed
                                with the applicable county recorder’s office and such filing is
                                not required in order to perfect Freddie Mac’s security interest
                                in the fixtures of the Mortgaged Property because the recorded
                                Security Instrument is in proper form to serve as a fixture
                                financing statement under applicable state law.
        l.      ILLINOIS LAND TRUST
                i.     For fixtures and personal property – file for Land Trustee
                ii.    For beneficiaries interest in the Land Trust, personal property, rents and
                       profits – file for beneficiaries
        m.      Any other filing required by applicable law

       Assignment of Financing Statements (UCC-3)
       Note: Financing statements may be assigned as noted above on Addendum Form
       UCC-1 Ad, or by filing a separate assignment document on Form UCC-3. The
       following are required only where a separate assignment is used.
       a.      File Stamp, instrument # or certified by title company
       b.      Freddie Mac loan number
       c.      Box 4 (Assignment) checked
       d.      Refers to original financing statement correctly
       e.      Freddie Mac address correct in Box 7
       f.      Filed in all locations where a UCC-1 was filed
       g.      Seller's name and address in Box 9
       h.      Signature not required

 8.    Guaranty(ies)
       a.    Multistate or California form (based on state where the Property is located
             MARYLAND INDEMNITY DEED OF TRUST (IDOT)
             Maryland IDOT Guaranty
       b.    Correct version based on Revision Date**
       c.    Freddie Mac loan number
       d.    Dated same date as Note
       e.    All blanks correctly completed



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                i.      Name of Seller
                ii.     Name of Borrower
                MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                i.       Name of Seller
                ii.     Name of Borrower
                iii.     Name of Grantor
                iv.      Name(s) of Pledgor(s)
                ILLINOIS LAND TRUST
                i.      Name of Land Trustee
                ii.     Loan amount
       f.       Base guaranty amount in Section 2(a)
       g.       Section 18 (state specific requirements) - include the state specific provision
                for the state where the Property is located (state specific requirements for
                Arizona, Colorado, Connecticut, Georgia, Indiana, Kentucky, Minnesota,
                Nevada, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, South
                Carolina, Texas, Virginia, Washington, West Virginia and Wisconsin).
                Guaranty can contain all of the state specific requirements or just the
                applicable requirement or N/A.
        h.      Signed by Guarantor(s) per Commitment
        i.      Section 19–
                i.      subsection (a) – Guarantor's certification of state of residence or N/A
                ii.     subsection (b) -Guarantor's certification of whether married or single
                        or N/A
                iii.    first version of subsection (c) included if Guarantor is a married
                        individual and resides in Arizona, Idaho, Louisiana, Nevada, New
                        Mexico, Texas or Wisconsin
                iv.     version two of subsection (c) included if Guarantor is a married
                        individual and resides in CA
                v.      N/A in subsection (c) for all other states
                vi.     if Guarantor is married and lives in a community property state and
                        community property assets were included on the Guarantor's financial
                        statement - either the spouse's signature or Seller's counsel's memo that
                        spousal consent is not necessary to access the Guarantor's assets that
                        are community property (neither spouse's signature nor memo required
                        if Guarantor is a California resident)
        j.      Acknowledged
        k.      Guaranty may not be executed under a power of attorney unless approved by
                the Freddie Mac multifamily attorney

        Completion Guaranty (if applicable)

       Assignment(s) of Guaranty(ies) (if Blanket Assignment not used)
       a.     Freddie Mac loan number
       b.     Dated same date as Note
       c.     Signed by Seller



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 9.    Repair Escrow Agreement or Repair Agreement (if required by Commitment)
       a.     Correct version based on Revision Date**
       b.     Freddie Mac loan number
       c.     Dated same date as Note
       d.     All blanks correctly completed
       e.     Signed by Borrower and Seller
       f.     Exhibit A – Description of Land attached
       g.     Exhibit B includes list of required repairs which conforms to Freddie Mac
              Commitment
       h.     Exhibit C lists repairs commenced or states "None"
       i.     Exhibit D – Modifications to agreement (if applicable)
              i.      Exhibit D box checked
              ii.     terms contained in Exhibit D consistent with Commitment or pre-
                      approved by Legal
       j.     Statement of escrow account balance (if any) - Repair Escrow only
       k.     Copy of Form 1058 or 1060 as appropriate which verifies that Escrow
              Account is titled in name of "[Seller/Servicer] on behalf of Freddie Mac" -
              Repair Escrow only
       l.     ILLINOIS LAND TRUST
              Repair Escrow or Repair Agreement – Land Trusts signed by Land Trustee
              and beneficiaries and Seller
       m.      MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              i.       Correct Maryland IDOT version based on Revision Date**
              ii.       Signed by Grantor, Borrower and Seller
       Assignment of Repair Escrow Agreement or Repair Agreement (if Blanket
       Assignment not used)
       a.     Freddie Mac loan number
       b.     Dated same date as Note
       c.     Signed by Seller

 10.   Replacement Reserve Agreement
       a.     Correct version based on Revision Date**
       b.     Freddie Mac loan number
       c.     Dated same date as Note
       d.     All blanks correctly completed (per the Commitment)
       e.     Section 2 (d) and (e) included if reserves are deferred per Commitment
       f.     Signed by Borrower and Seller
       g.     Exhibit A- Description of Land
       h.     Exhibit B – List of Capital Replacements
              Anything added to the list must conform to Freddie Mac Commitment
       i.     Exhibit C – Modifications to Agreement (if applicable)
              i.      Exhibit C box checked
              ii.     terms contained in Exhibit C consistent with Commitment or pre-
                      approved by Legal



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        j       Statement of escrow account balance – if funded
        k.      Copy of Form 1058 or 1060 as appropriate which verifies that Reserve
                Account is titled in name of "[Seller/Servicer], as Trustee for Freddie Mac" –
                if Replacement Reserve is funded
        l.      ILLINOIS LAND TRUST
                Replacement Reserve Agreement – Land Trusts – signed by Land Trustee and
                beneficiaries and Seller
        m.     SUPPLEMENTAL MORTGAGE
                On Exhibit D, Modification to Agreement crediting the monthly payments
                made under the Senior Mortgage to amounts payable under the Replacement
                Reserve Agreement for the Supplemental Mortgage, may (but need not) be
                added
       n.        MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                 i.     Correct Maryland IDOT version based on Revision Date **
                 ii.    Signed by Grantor, Borrower and Seller

       Assignment of Replacement Reserve Agreement (if Blanket Assignment not used)
       a.     Freddie Mac loan number
       b.     Dated same date as Note
       c.     Signed by Seller

 11.   Rental Achievement Agreement (Letter of Credit) or Rental Achievement Escrow
       Agreement (if required by the Commitment)
       a.     Correct version based on Revision Date**
       b.     Freddie Mac loan number
       c.     Dated same date as Note
       d.     All blanks correctly completed
              Blanks in Rental Achievement Escrow Agreement- definitions, paragraphs 4
              and 7
              Blanks in Rental Achievement Agreement -definitions, paragraphs 3 and 6
       e.     Signed by Borrower and Seller
       f.     Exhibit A – Modifications to agreement (if applicable)
              i.      Exhibit A box checked
              ii.     terms contained in Exhibit A consistent with Commitment or pre-
                      approved by Legal
       g.     For Rental Achievement Agreement (Letter of Credit) only, confirm receipt of
              the following
              i.      Copy of executed Letter of Credit (original is held by Servicer)
              ii.     Letter of Credit Certification
              iii.    Opinion from the Issuer of the Letter of Credit (unless waived)
       h.     MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              All Maryland IDOT loans will need standard Rental Achievement Agreement
              to be revised to reflect IDOT structure and to be executed by Borrower,
              Grantor, and Seller
       Assignment of Rental Achievement Agreement (if Blanket Assignment not used)



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        a.      Freddie Mac loan number
        b.      Dated same date as Note
        c.      Signed by Seller

 12.   Blanket Assignment
       a.     Freddie Mac loan number
       b.     Dated same date as Note
       c.     Lists all documents being assigned
       d.     Signed by Seller

 13.   Title Policy
       a.      Title Policy (original)
               i. 1970 ALTA lender’s policy or 1992 ALTA lender’s policy (in Texas only-
                  1993 T-2) or 2006 ALTA lender’s policy [29.1(f)] – signed and with policy
                  number

                   A.   If 1970 or 1992 ALTA policy form is used, the policy must be dated or
                        recertified no earlier than the date of recording of the Assignment of
                        Security Instrument and no later than the date of final delivery to
                        Freddie Mac [29.1(i)]
                        Note: For policies written on 1970 or 1992 ALTA policy forms, the
                        title policy may be dated the effective date of the Assignment of the
                        Security Instrument or any date after that preceding the delivery to
                        Freddie Mac if all of the following are included:

                        1.      letter from title company that it has delivered the Loan
                                Documents for recordation (not required in New York); and
                        2.      gap language in an endorsement or in the body of the policy
                                that broadens the policy's coverage to include liens and
                                encumbrances intervening between the effective date and the
                                date of recording (in New York – standard New York
                                endorsement) OR
                                in jurisdictions where gap coverage or a gap endorsement is not
                                available
                                (i) a letter addressed to Freddie Mac or to Seller and its assigns
                                     from the title insurer or agent or a note in the policy that
                                     states that the title insurer is assuming the risk of any
                                     intervening liens or encumbrances that may be recorded
                                     between the policy effective date and the completion of
                                     recording
                                (ii) If the recording is being handled by a title agent rather than
                                     a branch office of the insurer, an insured closing letter
                                     addressed to Freddie Mac or to Seller and its assigns; and
                        3.      an endorsement to the title policy must be sent to Freddie Mac
                                Purchase and Boarding or Portfolio Services immediately after



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                                  recordation that provides the date of recordation and the
                                  recordation information and amends the effective time and date
                                  of the policy to the time and date of recordation (Post Closing
                                  Item)

                        B. If 2006 ALTA policy form is used, the title policy may be dated no
                           earlier than the effective date of the assignment of the Security
                           Instrument and no later than the Delivery Date. An endorsement to
                           the title policy that provides the date of recordation and the
                           recordation information must be sent to Freddie Mac Purchase and
                           Boarding or Portfolio Services immediately after recordation (Post
                           Closing Item)

                ii.       Amount of coverage cannot be less than the amount of loan [29.1(d)]
                iii.      "Freddie Mac" or "Freddie Mac and/or the Seller, as their interests may
                          appear" must be the named insured [29.1(e)]
                iv.       Borrower’s interest (or, if applicable, Land Trustee’s interest, or
                          Grantor’s interest for a Maryland IDOT) in land listed as fee simple
                          (or leasehold if applicable)
                v.        Identifies Security Instrument, Consolidation Agreement, Modification
                          and Extension Agreement, Assignment and other required recorded
                          documents by:
                          1.      Title
                          2.      Parties
                          3.      Date
                          4.      a.     date of recording with book and page or recorded
                                         instrument number OR
                                  b.     date of recording and serial number on receipt
                                         (endorsement post closing with recording information
                                         OR
                                  c.     date of recording with blanks for recording information
                                         (endorsement must be provided post closing with
                                         recording information) OR
                                  d.      if gap coverage or gap endorsement is provided, or if
                                         2006 ALTA policy form is used, date of recording and
                                         recording information may be left blank (endorsement
                                         must be provided post closing with recording
                                         information and new effective date)
                vi.       Legal description is consistent with description in Security
                          Instrument and the survey [29.3]
                vii.      Standard exceptions in Schedule B deleted [29.2(a)] (All exceptions
                          not specific to the Property must be deleted.)
                viii.     Comprehensive Endorsement - ALTA Form 9 (with 1970 or 1992
                          ALTA policy form), or ALTA Form 9.3-06 (with 2006 ALTA policy
                          form), or in Texas only Form T-19 [29.1(g)(1)] – signed and with



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                       policy number
                ix.    Environmental Protection Lien Endorsement - ALTA Form 8.1 (or in
                       Texas only Form T-36) [29.1(g)(2)] (or statement from Seller or
                       Seller’s counsel if endorsement not available) – signed and with policy
                       number
                x.     "Same as survey" Endorsement [29.1(g)(3)] – signed and with policy
                       number; date of survey on endorsement must be the same date as last
                       revision date on survey (or if property is in Texas, then Seller’s
                       certification in lieu thereof, per Section 29.1(g)(3))
                xi.    Access Endorsement – (in Texas only Form T-23), [29.1(g)(4)] –
                       signed and with policy number (or statement from Seller or Seller’s
                       counsel if endorsement not available) – must include the name of the
                       street which directly abuts the Property
                xii.   Contiguity Endorsement – (in Texas only Form T-25), if two or more
                       adjacent parcels [29.1(g)(5)] – signed and with policy number; if two
                       or more tracts that are not adjacent, statement from Seller or Seller’s
                       counsel that it has examined the survey and has found that the tracts
                       are not adjacent)
                xiii. Condominium Endorsement - ALTA Form 4 (or its equivalent), if
                       applicable [29.1(g)(6)] – signed and with policy number
                xiv. Planned Unit Development Endorsement - ALTA Form 5.0 (or its
                       equivalent), if applicable [29.1(g)(7)] – signed and with policy number
                xv.    Waiver of the compulsory arbitration provision, unless
                       -- 1992 ALTA policy form is used and loan amount is more than $1
                          million, OR
                       -- 2006 ALTA policy form is used and loan amount is more than $2
                          million, OR
                       -- waiver letter is on file with Legal (if 1992 ALTA policy used and
                          mortgage is $1,000,000 or less) [29.1(f)]
                xvi.   In Texas only, Texas Tax Deletion Endorsement - Texas Form T-30, –
                       signed and with policy number (or language deleted from policy)
                xvii. Any additional endorsements required by Freddie Mac– signed and
                       with policy number
                xviii. SUPPLEMENTAL
                       Senior Mortgage should appear as an exception in Schedule B-1
                xix. LEASEHOLD
                       ALTA Form 13.1, Ground Lease Endorsement (or its equivalent)
                       [(30.6)] – signed and with policy number
                xx.    ADJUSTABLE RATE
                        FIXED TO FLOATING RATE
                        ALTA Form 6, Variable Interest Rate Endorsement (or its equivalent)
                        – signed and with policy number
                        In Texas only Form T-33.
               xxi.    SENIORS HOUSING
                        For properties subject to an Operating Lease:



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                        1. Operating Lease listed on Schedule B-II as subordinate, and
                        2. Security Assignment and Subordination Agreement recorded and
                           listed on Schedule B-II as subordinate

       b.      Electronically Issued Policies (without hard copy signature)
               i.    one of the following:
                     A. lack of signatures endorsement OR
                     B. Letter on file (currently on file for the following companies)
                         Alamo Title Insurance
                         Chicago Title Insurance Company
                         Commonwealth Land Title Insurance Company
                         Fidelity National Title Insurance Company
                         Fidelity National Title Insurance of New York
                         First American Title Insurance Company
                         LandAmerica Title Companies
                         Lawyers Title Insurance Company
                         Security Union Title Insurance
                         Security Title Guarantee Corporation of Baltimore
                         Stewart Title Guaranty Company
                         Ticor Title Insurance
                         Transnation Title Insurance Company OR
                     C. Originally signed letter regarding enforceability delivered and
                         acceptable to Freddie Mac legal
               ii.   policy number on each endorsement

       c.       Mark-up of Title Commitment or Binder NOT ACCEPTED

       d.       Reinsurance or Coinsurance [29.1(b)]
                i.    ALTA Facultative Reinsurance Agreement if reinsured
                ii.   Prior Freddie Mac Legal approval for coinsurance

       e.       Exceptions to Title
                i.    Statement of all safe harbor title exceptions under 29.2(b)
                ii.   Copy of written approval from Freddie Mac for any title exception not
                      within a safe harbor category [29.2(d)]
                iii.  Copy of title commitment if title exception numbers reference the title
                      commitment
                iv.   SUPPLEMENTAL MORTGAGE
                      Seller's discussion of only those title exceptions that did not appear as
                      exceptions to title for the Senior Mortgage

       f.      Endorsements required when survey is waived (if authorized by the
               Commitment, a survey may be waived in Arizona, California, Nevada, Oregon,
               Utah and Washington)
                i.    To satisfy the access endorsement required by Guide Section



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                        29.1(g)(4), one of the following access endorsements, or their
                        equivalent:
                        A.      for properties with access via an easement: CLTA 103.4 or
                                ALTA 17.1
                        B.      for properties with direct access: CLTA 103.7 or ALTA 17 (or
                                ALTA 17-06 for use with the 2006 ALTA title policy form)
                ii.     To satisfy the contiguity endorsement required by Guide Section
                        29.1(g)(5), one of the following contiguity endorsements, or their
                        equivalent (if applicable): CLTA 116.4 or ALTA 19 (or ALTA 19-06
                        for use with the 2006 ALTA title policy form)
                iii.    The following additional endorsements, or their equivalent (to the
                        extent applicable):
                        A.      CLTA 103.1 (for non-locatable easements - loss from use of
                                easement);
                        B.      CLTA 103.3 (for locatable easements - enforced removal of
                                encroachment);
                        C.      CLTA 116 with map attached or ALTA 22.1 (or ALTA 22.1-
                                06 for use with the 2006 ALTA title policy form) [map not
                                required]; and
                        D.      CLTA 116.7 (lawfully created parcels endorsement - where the
                                Property is described with a metes and bounds legal
                                description).

 14.   Survey
       Note: If authorized by the Commitment, a survey is not required for Arizona,
       California, Nevada, Oregon, Utah or Washington if the title insurance policy contains
       no exception for matters that would have been disclosed by an accurate survey and
       certain endorsements are provided.

        a.      The survey map or plat must bear the name, address, telephone number, date it
                was completed and/or revised, and the signature and official seal of the
                surveyor.
        b.      The survey must be dated not more than 90 days prior to the Note
        c.      Record description of property must be noted on survey, and must match legal
                description in title policy
        d.      Must meet ALTA/ACSM then-current minimum standard detail requirements
                (ALTA/ACSM requirements are not listed in this checklist)
        e.      The following certification must be made on the plat by the surveyor:

                To (name of Borrower), (name of Seller), (name of title insurance company
                if known), and Freddie Mac:

                        This is to certify that this map or plat and the survey on which it is based
                        were made (i) in accordance with the "Minimum Standard Detail
                        Requirements for ALTA/ACSM Land Title Surveys, "jointly established
                        and adopted by ALTA and ACSM in 2005 (revise date for then



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                        current minimum standards).
                           Date:__________________________

                            (signed)_________________________(seal)
                            Registration No.

                The certification may include ALTA/ACSM additional language regarding the
                accuracy standards adopted by ALTA, ACSM and NSPS.
       f.       Must meet additional Freddie Mac requirements of Guide Section 29.5(b)
                  Shows all substantial visual improvement in addition to buildings (such
                    as signs, swimming pools)
                  Indication of access to public way such as curb cuts and driveways
                    marked
                  Shows parking areas and type and number of spaces (does not have to
                    show striping)
       g.       Written certification from Seller or Seller’s counsel that all buildings,
                amenities and locatable easements are shown on the survey
                SUPPLEMENTAL MORTGAGE
                STREAMLINED MORTGAGE
                Current survey not required if:
                i.   a copy of the survey from the Senior Mortgage (or Mortgage being
                     refinanced) is delivered, and the survey from the Senior Mortgage (or
                     Mortgage being refinanced) is certified to Freddie Mac
                ii.  title insurance policy limits exceptions to those shown on the policy for
                     the Senior Mortgage (or Mortgage being refinanced) and new
                     exceptions approved by Freddie Mac
                iii  certification from the Borrower that there have been no on-site changes
                     and no off-site changes to adjacent property
                iv. certification states that it can be relied on by Freddie Mac

              In states where a survey was not delivered with the Senior Mortgage or
              Mortgage being refinanced), this certification is not acceptable. Instead, the
              title policy must contain the additional endorsements listed under Title Policy
              (f) above
 15.   Settlement Sheet/Disbursement Statement (May be HUD Form 1)
        a.    Confirming loan amount
        b.    Indicating payoffs matching title commitment requirements
        c.    Indicating disbursement of net proceeds of closing (if any) to or on behalf of
              the Borrower
        d.    Executed by Borrower

 16.   Documentation concerning subordinate financing and laundry and commercial
       leases
        subordinate financing:
       a.     Copy of note (Maturity date no earlier than maturity date of Mortgage being
               purchased by Freddie Mac)


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       b.       Meets any other requirements set forth in the Commitment
       c.       Copy of recorded security instrument
       d.       Copy of standard Freddie Mac Subordination Agreement or recorded
                subordination agreement with estoppel certificate (must be approved by
                Legal)
       e.       Related security agreements and financing statements

        Commercial leases or laundry leases or telecommunication lease with a
        non-affiliates:
       a.      Freddie Mac Standard Subordination, Nondisturbance and Attornment
               Agreement (recorded if Lease is recorded) if approved by Freddie Mac or
       b.      Subordination Agreement and estoppel certificate or
       c.      Estoppel Certificate if lease is subordinated by its terms or
       d.      Laundry lease or telecommunications lease only – provision for termination
                with cause

       laundry leases or telecommunications leases with an affiliate:
       a.     Subordination agreement (may not contain nondisturbance language)
       b.    Nothing required if subordinate according to terms of lease or terminable
             without cause)

 17.   LEASEHOLD
       Lessor's Estoppel Certificate [for leasehold mortgages only]
       (Form 1146 M )

 18.   Opinions of Counsel
       Seller's counsel is authorized to approve changes to the opinions without Freddie
       Mac's consent except for opinions for Seniors Housing Mortgages, Cross
       Collateralized Mortgages and Mortgages that required a specific additional opinion.

        a.      Opinion of Borrower's counsel
                 i.   Required for entities only, except Seniors Housing
                ii.   SENIORS HOUSING - If the Borrower is an individual, the opinion
                      need only contain those opinions set forth in Sections 6 and 7.
                iii.  Uses correct version currently on the Web
                iv.   May be combined with the Guarantor opinion
                v.    Dated on or after the date of the loan documents
                vi.   List that counsel has reviewed note, mortgage, replacement reserve,
                      repair escrow
                vii.  Includes subparagraph for "all other documents" OR lists all other
                      loan documents
                viii. If borrower is an entity organized in a state other than the property
                      jurisdiction, includes the paragraph regarding a certificate of doing
                      business.
                ix.   The Opinion may include opinions and assurances obtained by or for



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                        the benefit of the Seller, so long as any qualifications and/or
                        assumptions other than those shown in the opinion on the Web relate
                        only to the additional opinions and assurances obtained by the Seller.
                x.      Executed by counsel (will accept firm name without individual
                        attorney signature)
                xi.     SENIORS HOUSING – includes Exhibit A (list of licenses)
                xii.   ILLINOIS LAND TRUST
                       Opinion from beneficiary’s counsel
                xii.   MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                       Opinion from Borrower’s and Grantor’s counsel

        b.      Opinion of Guarantor's counsel
                i.    required for entities only
                ii.   Uses correct version currently on the Web
                iii.  May be combined with the Borrower opinion
                iv.   Dated on or after the date of the loan documents
                v.    List that counsel has reviewed note, mortgage, replacement reserve,
                      repair escrow and guaranty
                vi.   Includes subparagraph for "all other documents" OR lists all other
                      loan documents
                vii   If borrower is an entity organized in a state other than the property
                      jurisdiction, includes the paragraph regarding a certificate of doing
                      business.
                viii  The Opinion may include opinions and assurances obtained by or for
                      the benefit of the Seller, so long as any qualifications and/or
                      assumptions other than those shown in the opinion on the Web relate
                      only to the additional opinions and assurances obtained by the Seller.
                ix.   Executed by counsel (will accept firm name without individual
                      attorney signature)

 19.   Property Insurance
        a.    Seller/Servicer Certification of Insurance Coverage (Form 1133)
        b.    One of the following as evidence of property insurance:
              i.      original policy
              ii.     duplicate policy stamped "true and certified copy"
              iii.    Evidence of Commercial Property Insurance Form (Acord Form 28
                      version 2003/10, but not version 2006/07) and Certificate of Liability
                      Insurance (Acord Form 25) (original policy submitted within 90 days)
                      OR
              iv.     Evidence of Commercial Property Insurance Form (Acord Form 28
                      version 2003/10, but not version 2006/07) and an insurance binder for
                      property damage and liability insurance (original policy submitted
                      within 90 days) OR
              v.      Legible copy of master or blanket policy signed by agent of insured
                      1.      indicate address of Property



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                       2.     amount of coverage attributable to Property
                       3.     inflation guard insurance if not covered under blanket policy
        c.      Meets the requirements of Chapter 31
        d.      Standard mortgagee clause
        e.      Freddie Mac named as mortgagee/additional insured
        f.      SENIORS HOUSING
                i.     Meets the requirements of Guide Chapter 31, except for Section 31.8
                ii.    Meets the requirements of Guide Section 21.17

       Flood Hazard Determination Form (see 31.12(b))
        a.    Standard FEMA Form
        b.    Evidence of coverage (if applicable)
        c.    One of the following as evidence of flood insurance:
              i.     NFIP Flood Insurance Application plus copy of check or paid receipt
              ii.    NFIP Flood Insurance Application plus copy of settlement sheet
                     reflecting payment for flood insurance
              iii.   NFIP General Change Endorsement Form
              iv.    NFIP Agent-executed NFIP Certification of Proof of Purchase of
                     Flood Insurance
              v.     original policy
              vi.   duplicate original stamped "true and certified copy"
              vii   Legible copy of master policy signed by agent of insurer

        Insurance Waivers

 20.   Information on tax and insurance and other Escrow Accounts Held
        a.    List of all accounts held or established
        b.    For principal and interest accounts – copy of one of:
              i.      Form 1057
              ii.     Form 1059
        c.    For tax and insurance and any other Escrow accounts (other than Repair
              Escrow or Replacement Reserve), copy of one of:
              i.      Form 1058
              ii.     Form 1060

 21.   Management Agreement (if not previously delivered)
        a.    Dated
        b.   Executed by Management Company and Borrower
              MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              Executed by Management Company and Grantor
        c.    Terminable upon 30 days written notice with or without cause
        d.     Management fee per Commitment
 22.   Rent Schedule
       a.    Certified by Borrower
             MARYLAND INDEMNITY DEED OF TRUST (IDOT)



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               Certified by Grantor

        b.      Meets the requirements of Section 17.2(i)
        c.      If the Property is stabilized - dated not more than 45 days prior to the date of
                commitment or acceptance of ERLA (unless Commitment requires a more
                recent schedule)
        d.      If the Property is not stabilized – dated not more than 15 days prior to
                origination

         SENIORS HOUSING
         Must meet the requirements of Section 21.4(d)
 23.   Outstanding Business Requirements (only required if not delivered as part of the
       full underwriting package)

       Operations and Maintenance Agreement, if applicable (if not previously delivered)
       a.     Dated
       b.    Executed by Borrower (if applicable)
             MARYLAND INDEMNITY DEED OF TRUST (IDOT)
              Executed by Grantor (if applicable)
       c.     Meets Guide and Commitment requirements
       d.     Covers applicable environmental issue

       Moisture Management Plan (unless waived) (if not previously delivered)
       a.     Dated
       b.    Executed by Borrower
             MARYLAND INDEMNITY DEED OF TRUST (IDOT)
             Executed by Grantor

        c.      Meets Guide or Commitment requirements
        d.      Evidence that it is the MMP for the Property

        Seller’s Certification Regarding Certificates of Occupancy
        a.     Freddie Mac loan number
        b.     Dated
        c.     Name of Seller
        d.     Property Name
        e.     Property Address
        f.     Applicable provision checked
        g.     Certificates of Occupancy included, if applicable (required for all Properties
               where construction was completed for the use and operation of the Property
               within 3 years or less form the date of the Security Instrument, See Section
               32.4(v))
        h.     Signed by the Seller

 24.   Copies of Freddie Mac consents



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       Copy of Freddie Mac's consent to any document modification or any change not set
       forth in an amendment to the Commitment

 25.   Legal Issues Memorandum
       a.      Copy of any preliminary legal issues memorandum
       b.      Summary of any legal document as well as a copy of the document analyzed
       c.      Any written response of Freddie Mac's counsel (including responses delivered
               by e-mail)

 26.   Side Agreements

 27.   Additional Documents
       List other requirements from Commitment and any amendments:

 28.    SENIORS HOUSING
        a.   Security Agreement for manager or operator, if required
             Note: There is no standard form for this agreement.
        b.   Assignment of Security Agreement
        c.   Additional Financing Statements for manager or operator if required (see
             checklist item#6 for requirements)
        d.   Assignment of Additional Financing Statements
        e.   Certificate of Borrower-Seniors and, if applicable, Certificate of
             Operator or Certificate of Manager
             Note: There is no standard form for the Certificate of Operator or Certificate
             of Manager
             i.      Correct Version based on Revision Date **
             ii.     Freddie Mac loan number
             iii.    Dated
             iv.     Borrower, Seller/Servicer, loan amount, Security Instrument, Property
                     Name correctly identified in first section on p.1
             v.      Lists furniture, fixtures, equipment and inventory, and motor vehicles
                     in Exhibit A
             vi.     Identifies owner of each item or, at least, does so for those items (if
                     any) that are not owned by Borrower in Exhibit A
             Note: Compare the list described in subsections v. and vi. above to the list
             submitted in the underwriting package, to confirm that there are no
             significant items of FF&E that are owned by someone other than the
             Borrower that did not appear on the first list
             vii.    Attaches all licenses, certificates and permits required for the
                     ownership and operation of the Property in Exhibit B
             viii.   License should identify party to whom each license, certificate and
                     permit was issued
             ix.     Lists (or attaches copies of) all contracts affecting the property and
                     identifies parties to each contract in Exhibit C.
             x.      If any contract has been updated or changed since underwriting, a copy



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                        of such updated license, certification or permit must be attached as
                        Exhibit D.
                xi.      Signed by Borrower

        f.      Collateral Assignment of Management Agreement (Required only if
                Borrower does not manage Property)
                i.     Correct Version based on Revision Date **
                ii.    Freddie Mac loan number
                iii.   Dated
                iv.    Assignor (Borrower or operator), Seller/Servicer, and Manager
                       correctly identified in first section on p.1
                v.     Borrower and loan amount correct in first whereas clause
                vi.    Security Instrument and Property correctly identified in second
                       whereas clause
                vii.   Operating Lease correctly identified in third whereas clause, if
                       applicable
                viii. Manager correctly identified in third/fourth whereas clause
                ix.    Notice address for Lender in Section 12(c) is Seller/Servicer's address
                x.     Notice addresses filled in for Assignor (Borrower or operator) and
                       Manager in Section 12(c)
                xi.    Correct exhibits checked at end
                xii.   Signed by Assignor (Borrower or operator), Seller, Manager
                xiii. If operator is the assignor, Borrower consent language follows
                       manager's signature, with:
                       1.      Borrower notice address filled in
                       2.      Date
                       3.      Borrower signature
                xiv.   Copy of management agreement attached as Exhibit A;
                       Note: confirm that this is identical to management agreement
                       submitted with underwriting package
                xv.    Modifications in Exhibit B all authorized by Commitment or Legal

        g.      Assignment of Collateral Assignment of Management Agreement
                i.    Freddie Mac loan number
                ii.   Dated
                iii.  Signed by Seller

        h.      Collateral Assignment(s) of Service Contracts
                Note: Required for every material service contract, unless waived.
                       Collateral Assignment document may cover one contract or several.
                       For any service contracts that are in the name of the management
                       agent or operator instead of the Borrower, there must be an
                       assignment by the management agent or operator.
                i.     Correct version based on Revision Date**
                ii.    Freddie Mac loan number



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                iii.   Dated
                iv.    Assignor (Borrower, management agent or operator) and
                       Seller/Service correctly identified in first section on p.1
                v.     Borrower name, loan amount correct in first whereas clause
                vi.    Second whereas clause indicates whether the assignor is the Borrower,
                       the management agent or the operator.
                vii.   Security Instrument and Property correctly identified in third whereas
                       clause
                viii. Operating Lease correctly identified in third whereas clause, if
                       applicable
                ix.    Notice address for Lender in Section 11(c) is Seller/Servicer's address
                x.     Notice address for assignor (borrower, management agent or operator)
                       is completed in Section 11(c)
                xi.    Correct exhibits checked at end
                xii. Signed by correct assignor (Borrower, management agent or operator)
                       and Seller
                xiii. If management agent or operator is the assignor, Borrower consent
                       language follows Seller's signature, with:
                       1.      Borrower notice address filled in
                       2.      Date
                       3.      Borrower signature
                xiv. One Provider Ratification attached for each contract being assigned,
                       with:
                       1.      Provider's notice address filled in
                       2.      Date
                       3.      Provider signature
                xv.    Modifications in Exhibit A all authorized by Commitment or Legal
                xvi. Exhibit B - list of service contracts.
                       Note: Confirm that Freddie Mac has copies of all listed contracts.
                xvii. Any food service contract listed in Exhibit B is attached as Exhibit C,
                       including all amendments. If there is a food service contract attached
                       as Exhibit C, confirm that it is also listed in Exhibit B.
                xviii. Any healthcare services contract listed in Exhibit B is attached as
                       Exhibit D, including all amendments. If there is a healthcare services
                       contract attached as Exhibit D, confirm that it is also listed in Exhibit .

        i.     Assignment of Collateral Assignment of Service Contract(s)
                i.    Freddie Mac loan number
                ii.   Dated
                iii.  Signed by Seller
                iv.   If there is more than one Collateral Assignment of Service Contract(s),
                      be sure this Assignment covers all of them

        j.      Collateral Assignment of Licenses, Certificates and Permits
                Note: Required only for licenses, etc. which are in the name of the



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                management agent or another party other than the Borrower; to be executed
                by such management agent or other party, not by the Borrower.
                i.     Correct version based on Revision Date**
                ii.    Freddie Mac loan number
                iii.   Dated
                iv.    Assignor (holder of license) and Seller correctly identified in first
                       section on p.1
                v.     Borrower name, loan amount correct in first whereas clause
                vi.    Second whereas clause indicates whether the assignor is the Borrower,
                       the management agent or the operator.
                vii.   Security Instrument and Property correctly identified in third whereas
                       clause
                viii. Operating Lease correctly identified in third whereas clause, if
                       applicable
                ix.    Notice address for Lender in Section 8(c) is Seller/Servicer’s address
                x.     Notice address for assignor completed in Section 8(c)
                xi.    Correct exhibits checked at end
                xii.   Signed by correct assignor (Not Borrower) and Seller
                xiii. Borrower consent language follows Seller's signature, with:
                       1.      Borrower notice address filled in
                       2.      Date
                       3.      Borrower's signature
                xiv. Exhibit A - list of licenses being assigned. Note: Confirm that Freddie
                       Mac has copies of all listed licenses.
                xv.    Modifications in Exhibit B all authorized by Commitment or Legal

        k.      Assignment of each Collateral Assignment of Licenses, Certificates and
                Permits.
                i.    Freddie Mac loan number
                ii.   Dated
                iii.  Signed by Seller

        l.      UCC searches
                i.   For each office searched there should be one search each in the name
                     of:
                     1.      Borrower
                     2.      Management agent, if any. Note: not required for manager if
                             manager does not own any furniture, fixtures or equipment and
                             is not a party to any service contracts.
                     3.      Operator, if any. Note: not required for operator if operator
                             does not own any furniture, fixtures or equipment and is not a
                             party to any service contracts. See Certificate of Borrower –
                             Seniors to determine whether operator owns any of these
                             items.)
                ii.  Certification from Seller's counsel that it has examined the UCC



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                        search dated no earlier than 30 days prior to the origination date and
                        there are no filed financing statements covering collateral that is
                        included in the list of collateral attached to the Freddie Mac financing
                        statements, or if the UCC search does reveal any such financing
                        statements, there must be an explanation from the Seller (provided
                        either with the final delivery package or before) from which Freddie
                        Mac can conclude that its security for the loan is not adversely
                        affected.

        m.       Operating Lease Documents, if applicable
               i.     Security, Assignment and Subordination Agreement for Operating
                      Lease
                       1.     Correct version based on Revision Date**
                       2.     Freddie Mac loan number
                       3.     Dated
                       4.     Operator, Seller and Borrower correctly identified in first
                              section on p.1
                       5.     Property name correct in recital A
                       6.     Loan amount and Security Instrument correct in recital B
                       7.    Operating lease correctly identified in recital C
                       8.     Notice address for Lender in Section 10.8(c) is
                              Seller/Servicer’s address
                       9.     Notice address for operator and Borrower completed in Section
                              10.8(c)
                       10.    Correct exhibits checked at end
                       11.    Signed by operator, Borrower and Seller
                       12.    Exhibit A Legal Description attached
                       13.    Exhibit B list of permitted liens
                       14.    Modifications in Exhibit C all authorized by Commitment or
                              Legal
                 ii.  Operator’s Estoppel Certificate
                       1.     Correct version based on Revision Date**
                       2.     Freddie Mac loan number
                       3.     Dated
                       4.     Addressed to Seller at top and Attention line completed
                       5.     Regarding (“Re”) line completed
                       6.     Operator, operating lease, Borrower and Seller correctly
                              identified in first paragraph
                       7.     Commencement and expiration of operating lease correct in
                              first section
                       8.     Rent, installments, date of payment and amount of security
                              deposit correct in second section
                       9.     Security Instrument correctly identified in Section 10
                       10.    Section 11 deleted or left in, as applicable
                       11.    Signed by operator



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                        12.     Exhibit A operating lease attached

                iii.   Operating Lease Analysis Form
                n.      MARYLAND INDEMNITY DEED OF TRUST (IDOT)
                        All Maryland IDOT senior housing loans will need standard senior
                housing documentation to be revised to reflect the IDOT structure and to be
                executed by Borrower and Grantor, as applicable.
 29.
       MARYLAND INDEMNITY DEED OF TRUST (IDOT)
       a.   Guaranty – Maryland IDOT 100% Property Owner Guaranty
            i.     Correct version based on Revision Date**
            ii.    Freddie Mac loan number
            iii.   Dated same date as Note
            iv.    All blanks correctly completed
                   A.       Name of Seller
                   B.      Name of Borrower
                   C.       Loan amount
            v.     Exhibit A Modifications to Guaranty checked if applicable
           vi.    Executed and acknowledged by guarantor/Grantor
           vii.   Name and address of guarantor/Grantor
           Guaranty may not be executed under a power of attorney unless approved by
           the Freddie Mac multifamily attorney
       b.   Ownership Interest Pledge Agreement
            i.     Correct version based on Revision Date**
            ii.     Freddie Mac loan number
            iii.   Dated same date as Note
            ii.      All blanks correctly completed
                   A.        Name of Pledgors (all owners of Grantor)
                   B.       Name of Seller
                   C.       Name of Borrower
                   D.        Loan amount
                   E.       Name of Grantor
                   F.       Name of county property is located in
            v.     Executed by all owners of Grantor
            vi.    Executed by Seller
            vii. Acknowledgement executed by Borrower
            viii. Acknowledgement executed by Grantor
       c.   UCC –1 Financing Statement Regarding Ownership Interest Pledge
            i.     State where Pledgor is organized (for registered entities) or
                   Principal place of business (for nonregistered entities) or
                   Residence (for individuals) or
                   District of Columbia (for foreign entities)
            ii.     File Stamp, instrument # or certified true by title company
            iii.   Freddie Mac loan number
            iv.    Organization identification number, if appropriate



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                 v.    Assignee box completed – (optional)
                 vi.    Freddie Mac named as assignee in Box 3
                 vii.   Freddie Mac address correct (PHO or Region)
                 viii.  Signature of Debtor not required
                 ix.    Exhibit A to Financing Statement Ownership Pledge – correct
                        version based on Revision Date**
         d.    Assignment of Financing Statements (UCC-3)
       Note: Financing statements may be assigned as noted above on Addendum Form
       UCC-1 Ad, or by filing a separate assignment document on Form UCC-3. The
       following are required only where a separate assignment is used.
                  i.    File Stamp, instrument # or certified by title company
                  ii.   Freddie Mac loan number
                  iii.  Box 4 (Assignment) checked
                  iv.   Refers to original financing statement correctly
                  v.    Freddie Mac address correct in Box 7
                  vi.   Filed in all locations where a UCC-1 was filed
                vii.    Seller's name and address in Box
                viii. Signature not required
         e.     Assignment of Guaranty (for Grantor Guaranty)(if Blanket Assignment
                not used)
                i.      Freddie Mac loan number
                ii.     Dated same date as Note
                iii.    Signed by Seller
         f.      Assignment of Ownership Interest Pledge Agreement (if Blanket
                Assignment not used)
                i.      Freddie Mac loan number
                ii.     Dated same date as Note
       iii.                Signed by Seller
 30.   ILLINOIS LAND TRUST
        a.     Original Beneficiary’s Undertaking
               i.      Correct version based on Revision Date**
               ii.     Freddie Mac loan number
               iii.    All blanks completed
               iv.     Dated same date as Note
               v.      Name of all beneficiaries
               vi.     Name of Seller
               vii. Name of Land Trustee
               viii. Date and Land Trust number
               ix.     Executed by all beneficiaries
               x.      Acknowledged
               xi.     Any change put into a modification Exhibit with notation by the
                       signature line of modification attached (all changes must be approved
                       by a Freddie Mac Multifamily Attorney)

        b.     Assignment of Beneficiary’s Undertaking



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                i.      Freddie Mac loan number
                ii.     Dated same date as Note
                iii.    Signed by Seller

        c.     Original Collateral Assignment of Beneficial Interest
               i.      Correct version based on Revision Date**
               ii.     Freddie Mac loan number
               iii.    All blanks completed
               iv.     Dated same date as Note
               v.      Name of all beneficiaries
               vi.     Name of Seller
               vii.    Name of Land Trustee
               viii. Date and Land Trust number
               ix.     Correct Section 3 selected, blanks completed and two inappropriate
                       versions of Section 3 deleted
               x.      Notification Section 14 completed with names and addresses of all
                       beneficiaries, Seller and Land Trustee
               xi.     Executed by all beneficiaries
               xii.    Any changes put into a modification exhibit with notation by the
                       signature line of modification attached, an all changes must be
                       approved by a Freddie Mac Multifamily Attorney
               xiii. Land Trustee’s receipt and acknowledgment dated and executed by
                       Land Trustee
               xiv. Consent and Agreement of Holder of Power of Direction
                       Dated
               xv.     Name of Holder of Power of Direction
               xvi. Acceptance by Seller
                       Dated
                       Executed by Seller
               xvii. If required by applicable law, a recorded facsimile of the Collateral
                       Assignment of Beneficial Interest

        d.     Original Assignment of Collateral Assignment of Beneficial Interest
               i.      Freddie Mac loan number
               ii.     Dated same date as Note
               iii.    Executed by Seller
               iv.     Acceptance of the assignment by the Land Trustee
               v.      Recorded facsimile of the Assignment of Collateral Assignment of
                       Beneficial Interest
        e.     Combined Security Agreement and Assignment of Rents and Leases
               i.      All blanks completed
               ii.     Dated same date as Note
               iii.    Name of Land Trustee
               iv.     Date of Land Trust and Land Trust Number
               v.      Name of all beneficiaries



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Special Products (01-31-2009)                                                                Page 31
                vi.    Name of Seller
                vii.   Notification Section 11 completed with names and addresses of all
                       beneficiaries, Seller and Land Trustee
               viii. Executed by Trustee and all beneficiaries
               ix.     Acknowledged
               x.      Any changes put into a modification exhibit with notation by the
                       signature line of modification attached, and all changes must be
                       approved by a Freddie Mac Multifamily Attorney
               xi.     Recorder’s stamp and instrument number clearly shown, or copy is
                       certified by title company or closing agent as being true copy of
                       recorded original
        f.    Assignment of Combined Security Agreement and Assignment of Rents and
              Leases
               i.      Freddie Mac loan number
               ii.     Dates same date as Note
               iii.    Executed by Seller
               iv.     Recorder’s stamp and instrument number clearly shown, or copy is
                       certified by title company or closing agent as being true copy of
                       recorded original
       Note: Alternatively, Assignment of Security Instrument may be modified to included
       an assignment of the Combined Security Agreement and Assignment of Rents and
       Leases
        g.    Land Trust Documentation
              Copies of all documents in the Land Trustee’s file for the land trust certified to
               be true and complete by the trustee including
               xii.    A copy of the Land Trust Agreement and all amendments
               xiii. Letter of direction from all beneficiaries to the Land Trustee, directing
                       the Land Trustee to execute the loan documents
        h.    Documents to be executed by Secondary Beneficiaries
        i.    Any Secondary Beneficiary holding contingent interest in the Land Trust must
              also execute
               i.     Collateral Assignment of Beneficial Interest
               ii.    Combined Security Agreement and Assignment of Rents and Leases
               iii.   UCC Financing Statements

 31.   Product Specific Requirements

       SUPPLEMENTAL MORTGAGE (not required for Supplemental Mortgage in
       conjunction with a transfer of ownership)
        a.     Guarantor's Acknowledgment of Supplemental Lien
               i.    Correct version based on Revision Date **
               ii.    Executed by each Guarantor of Senior Mortgage
 32.   ADJUSTABLE RATE – Third party cap provider only
        a.     CAP Agreement




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Special Products (01-31-2009)                                                                      Page 32
        b.      CAP opinions, if required

        c.      CAP guaranty, if required




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Special Products (01-31-2009)               Page 33

				
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