Conflicts of Interest: a conflict of interest could arise through the sharing of resources between the insurance broker (Round Hill Risk Partners, LLC) and the insurance consultant (RHR Consulting, LLC) as some information (current BOR, insurance premiums) shared with the consultant is not readily available to the insurance broker. Thus, RHR Consulting has implemented internal boundaries to protect the sharing of sensitive information. Further, Round Hill Risk Partners will be prohibited from soliciting borrowers identified in the consulting practice for 30 months.

Dependence on third parties: insurance reviews are based on the accuracy of representations make by borrowers, insurance brokers, and rating services.

Point in Time: All statements and coverage verifications apply to a point in time.