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value or marketability of the related Mortgaged Property.\n(ii) [Reserved].\n(iii) To the actual knowledge of RRAC, each Mortgage Loan constitutes a \u201cqualified mortgage\u201d under Section 860G(a)(3)(A) of the Code and Treasury Regulation Section 1.860-2(a)(1).\n(iv) As of the Closing Date, the most recent FICO score listed on the Mortgage Loan Schedule was no more than four months old.\n(v) As to each Mortgage Loan transferred to RRAC pursuant to the PrimeLending Agreement, the Sterling Agreement or the Wintrust Agreement, no Mortgage Loan is subject to a lost note affidavit.\n(vi) As to each Mortgage Loan, with respect to any hazard or mortgage insurance covering such a Mortgage Loan and the related Mortgaged Property, the Originator has not engaged in, and RRAC has no knowledge of the Mortgagor\u2019s having engaged in any act or omission that would impair the coverage of any such policy, the benefits of the endorsement, or the validity and binding effect of either, including without limitation, no unlawful fee, commission, kickback, or other unlawful compensation or value of any kind as has been or will be received, retained or realized by any attorney, firm or other person or entity, and no such unlawful items have been received, retained or realized by the Originator.\n(vii) As to each Mortgage Loan subject to the Flow Mortgage Loan Sale and Servicing Agreement dated as of July 1, 2010, between RRAC and First Republic Bank, as amended by the Assignment, Assumption and Recognition Agreement dated March 1, 2013 among RRAC, Sequoia, the Trustee and First Republic Bank (the \u201cFRB Agreement\u201d), no fraud or material error, omission, misrepresentation, negligence or similar occurrence with respect to a Mortgage Loan has taken place on the part of the Originator, any correspondent or mortgage broker involved in the origination of such Mortgage Loan, the Mortgagor, or any appraiser or other party involved in the origination of the Mortgage Loan or in the 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associated with poorly drafted additional representations?", "How do additional representations in this agreement compare to industry standards or statutory requirements?", "What factors do courts consider when determining the validity and enforceability of additional representations?"], "drafting_tip": "Specify the exact representations required to prevent misunderstandings; clarify parties' obligations to ensure enforceability; limit representations to relevant matters to reduce unnecessary liability.", "explanation": "The \"Additional Representations\" clause requires one or both parties to make further statements or assurances beyond the standard representations typically found in an agreement. These additional representations may address specific facts, conditions, or compliance matters relevant to the transaction, such as confirming the absence of pending litigation or the possession of necessary licenses. By including this clause, the parties ensure that all relevant information is disclosed and relied upon, thereby reducing the risk of misunderstandings or undisclosed issues that could affect the agreement."}, "json": true, "cursor": ""}}