COMMITMENT FOR TITLE INSURANCE Issued by

ALTA Commitment (6-17-06) - TIRBOP & STG modifications (4-1-07) COMMITMENT FOR TITLE INSURANCE Issued by Stewart Title Guaranty Company, a Texas Corporation ( Company ), for a valuable consideration, commits to issue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, as owner or mortgagee of the estate or interest in the land described or referred to in Schedule A, upon payment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedules A and B and to the Conditions of this Commitment. This Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies committed for have been inserted in Schedule A by the Company. All liability and obligation under this Commitment shall cease and terminate six months after the Effective Date or when the policy or policies committed for shall issue, whichever first occurs, provided that the failure to issue the policy or policies is not the fault of the Company. The Company will provide a sample of the policy form upon request. This commitment shall not be valid or binding until countersigned by a validating officer or authorized signatory. IN WITNESS WHEREOF, Stewart Title Guaranty Company has caused its corporate name and seal to be hereunto affixed by its duly authorized officers on the date shown in Schedule A. Countersigned: Authorized Countersignature Vantage Point Title, Inc. Company Name Clearwater, FL 33763 City, State Senior Chairman of the Board Chairman of the Board President ALTA Commitment (6-17-06) - TIRBOP & STG modifications (4-1-07) File No.: D-PA435872

CONDITIONS 1. The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument. 2. If the proposed Insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse claim or other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall disclose such knowledge to the Company, or if the Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter, the Company at its option may amend Schedule B of this Commitment accordingly, but such amendment shall not relieve the Company from liability previously incurred pursuant to paragraph 3 of these Conditions. 3. Liability of the Company under this Commitment shall be only to the named proposed Insured and such parties included under the definition of Insured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith (a) to comply with the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest or mortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policy or policies committed for and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the form of policy or policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except as expressly modified herein. 4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Any action or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title to the estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this Commitment. 5. The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. You may review a copy of the arbitration rules at < http://www.alta.org/>. All notices required to be given the Company and any statement in writing required to be furnished the Company shall be addressed to it at P.O. Box 2029, Houston, Texas 77252. ALTA Commitment (6-17-06) - TIRBOP & STG modifications (4-1-07) File No.: D-PA435872

The Commonwealth of Pennsylvania Department of Insurance requires that we send the following notice to you, our applicant, prior to closing. They further require that you, the applicant, forward this notice to the consumer in advance of the day of closing: NOTICE Your title insurance fee covers the cost of closing on the insured real estate property IF it takes place during regular office hours and at the office of the Title Insurance Agent or Underwriter. If your closing takes place at a location or time of your choosing, or that of your lender or realtor; the title insurance agent or underwriter may impose an additional charge for this special service. You may determine the amount of this additional charge, if any, by calling: (813) 749-4700 NOTICE If this conveyance or refinance occurs within ten years of a previous insurance of the same property, you may be entitled to a reduced rate. You may determine eligibility for a reduced rate, if any, by calling: (813) 749-7400 NOTICE: ATTENTION IS DIRECTED TO THE PROVISIONS OF THE PENNSYLVANIA HUMAN RELATIONS ACT (Act of October 27, 1955, as amended (43 P.S. s 951 et seq.)) prohibiting discrimination because of race, color, religious creed, ancestry or national origin in the selling, leasing or financing of commercial housing. The said law pertains to all housing accommodations except (1) those situated in a single or two unit building in which one of the units is occupied by the owner thereof, and (2) those owned by religious, charitable, educational, private and fraternal organizations to promote the religious principles or the aims, purposes or fraternal principles for which such organizations were established. This notice does not in any way constitute an objection or defect in the title of the premises being conveyed, but is being given in accordance with 16 Pa. Code s. 43.13 (relating to giving of notice by title insurance companies) adopted by the Pennsylvania Human Relations Commission. NOTICE PRIVACY POLICY: Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice if its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GBLA, we are providing you with this document, which notifies you of the privacy policies of Stewart Title Guaranty Company. We may collect nonpublic personal information about you from the following sources: Information we receive from you such as applications or other forms. Information about your transactions we secure from our files, or from Stewart Title Guaranty or others. Information we receive from a computer reporting agency. Information from others involved in your transaction, such as the real estate agent or lender. Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be collected about you. We may disclose any of the above information that we collect about our customers or former customers to our affiliates or to nonaffiliated third parties as permitted by law. We also may disclose this information about our customers or former customers to nonaffiliated companies that perform services on our behalf. WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.

Vantage Point Title, Inc. As agent for Stewart Title Guaranty Company COMMITMENT FOR TITLE INSURANCE SCHEDULE A Issued To: File Number: D-PA435872 1. Effective Date: September 17, 2017 2. Policy or Policies to be insured: (a) ALTA Owner s Policy (6-17-06) modified by TIRBOP (4-1-07) Proposed Insured: *PREVIOUS OWNER* YURY GOYZMAN (b) ALTA Loan Policy - (6/17/06) modified by TIRBOP (4-1-07) Proposed Insured: Loan Amount: 3. The estate or interest in the land described or referred to in this Commitment and covered herein is: FEE SIMPLE 4. Title to the estate or interest in said land is at the effective date hereof vested in: Yury Goyzman and Galina Goyzman, h/w (Subject to a Bankruptcy Requirement) 5. The land referred to in this Commitment is described as follows: Address: 519 Philip Road FOR INFORMATIONAL PURPOSES ONLY SEE SCHEDULE A, PAGE 2, ATTACHED

SCHEDULE A (continued) Legal Description File # D-PA435872 ALL THAT CERTAIN lot or piece or parcel of ground situate in Lower Moreland Township, Montgomery County, Pennsylvania, bounded and described according to a Final Plan of Long Lane Farms made by Kissane-Leddy Associates, Inc., Civil Engineers and Land Surveyors dated July 18, 1979 and recorded in Montgomery County in Plan Book A-38, page 65, as follows, to wit: BEGINNING at a point on the Northeasterly side of Philip Road (50 feet wide), said point being measured the 2 following courses and distances from a point of compound curve on the Southeasterly side Martin Road (50 feet wide) (1) leaving Martin Road on the arc of a circle curving to the left having a radius of 20.00 feet the arc distance of 31.42 feet to a point of tangent on the Northeasterly side of Philip Road and (2) South 48 05 45 East, 122.47 feet to the point of beginning said point of beginning being a point, a corner of Lot No. 5 as shown on the above mentioned plan; Thence extending along Lot No. 5 as shown on the above mentioned plan, North 41 54 15 East, 150.00 feet to a point, a corner of lands now or late of Albert and Gene A. Thomas; thence extending along the said lands now or late of Angelo and Josephine A. Sacco, South 48 05 45 East, 125.00 feet to a point, a common corner of the aforesaid lands of Sacco and a point, a corner of Lot No. 7 as shown on the above mentioned plan; thence extending along Lot No. 7 as shown on the above mentioned plan, South 41 54 15 West, 150.00 feet to a point on the Northeasterly side of Philip Road; thence extending along the same North 48 05 45 West, 125.00 feet to the first mentioned point and place of beginning. Commonly Known As: 519 Philip Road, Huntingdon Valley, PA 19006 Parcel ID: 41-00-06765-08-8

File No.: D-PA435872 The following are the requirements to be complied with: 1. Payment of the full consideration to or for the account of the grantors or mortgagors. 2. Payment of all taxes, charges or assessments levied and assessed against the subject premises, which are due and payable. 3. Payment of the premiums, fees and charges for the policy. 4. Satisfactory evidence should be provided that improvements and/or repairs or alterations thereto are completed; that contractors, sub-contractors, labor and materialmen are all paid and/or have released of record all liens or notices of intent to perfect a lien for labor or materials. 5. Disclosure of any unrecorded leases or rights of parties in possession. 6. Proof of identity, legal age, competency of Grantors/Mortgagors and marital status (including deaths and divorces) effecting any individual Grantors/ Mortgagors, herein. 7. POWERS OF ATTORNEY: If any party to the settlement intends to use a Power of Attorney at settlement, a copy of such Power of Attorney must be submitted for review in advance of settlement. Failure to comply with this requirement may result in the postponement of the settlement. Acceptability of the Power of Attorney for purposes of completion of settlement is within the discretion of the insurer. 8. Proof to be provided that grantor/mortgagor holding record title has not, subsequent to acquisition of title, been a party to any divorce proceedings, whether currently ongoing or completed prior to the transaction that is the subject of this commitment/binder. In the event such divorce proceedings have occurred, same to be examined and possible additional exceptions and requirements to be added. 9. Provide Municipal/Township, County and School TAX RECEIPTS for the current and prior three years. 10. Provide WATER AND SEWER RENTS RECEIPTS for the current and prior three years. 11. The most recent GAS WORKS billing statement to be produced and examined. If none is produced, possible PGW charges will become an exception on the title policy. If applicable. 12. LIEN LETTER must be furnished from the Municipality and/or Municipal Authority showing that there are no unfilled municipal liens or claims or required tap-in fees. 13. OWNER S AND/OR BUYER S AFFIDAVIT on this Company s form to be executed and submitted to this Company. 14. Proof that there are no overdue SUPPORT obligations of record with the Department of Public Welfare or the Domestic Relations Section of the family Court Division of Montgomery County, of the parties to this transaction, up through the date of recording of the instruments to be insured. If Applicable. 15. (Conveyances only) SOCIAL SECURITY NUMBER or Tax Identification Numbers, along with future address of seller to be furnished to comply with reporting requirements of the IRS. 16. NEW CONSTRUCTION of all commercial properties or residential properties the value of which will be $1 million or over: Proof by affidavit that any mortgage will be (1) either a purchase money mortgage as defined by 42 PaC.S. 8141(a) or a construction loan as defined by 42 PaC.S. 8143(f) the proceeds of either must be used only to pay for the purchase of the insured property or to pay for the

cost of construction of the improvement on the insured property and nothing else or (2) the mortgage is recorded prior to the first visible commencement of work. 17. Please be advised that a CONTINUATION SEARCH must, and will be made by the closing agent at the time of closing to update the effective date of the commitment and that the earlier effective date shown at the beginning of this commitment will not affect the date of coverage of the policy. The date of the policy will be the date of recording of the insured instrument. 18. Satisfaction, release or subordination of the following: The Company requires for review copies of petition with schedules, and docket sheet, and (i) satisfactory final nonappealable order from the bankruptcy court authorizing the proposed transaction in the bankruptcy proceeding of Yury Goyzman or (ii) a satisfactory affidavit and other evidence for review showing that Yury Goyzman is not the debtor named in the bankruptcy proceeding. At the time the Company is furnished these items, the Company may make additional requirements or exceptions. The Company requires for review copies of petition with schedules, and docket sheet, and (i) satisfactory final nonappealable order from the bankruptcy court authorizing the proposed transaction in the bankruptcy proceeding of Galina Goyzman or (ii) a satisfactory affidavit and other evidence for review showing that Galina Goyzman is not the debtor named in the bankruptcy proceeding. At the time the Company is furnished these items, the Company may make additional requirements or exceptions. The company requires for its review a satisfactory Deed conveying the title to the land to U.S. ROF IV Legal Title Trust 2015-1, by U.S. Bank National Association, as Legal Title Trustee in successful of a suit satisfactory to the Company to foreclose the following Mortgage: A satisfaction of Mortgage from Yury Goyzman and Galina Goyzman (borrower) dated April 20, 2004 and filed on June 10, 2004 in (book) 11140 (page) 1710, of the official property records of Montgomery County, Pennsylvania in the amount of $508,000.00 and in favor of Washington Mutual Bank, FA (lender). NOTE: Assignment of Mortgage/Deed of Trust to U.S. ROF IV Legal Title Trust 2015-1, by U.S. Bank National Association, as Legal Title Trustee (assignee) recorded on February 27, 2017 in (book) 14301 (page) 2610. Subject to any matters as disclosed by a completed Municipal Lien Search. Said Municipal Lien Search has been ordered. NOTE: We reserve the right to amend this commitment upon receipt of said information. Closing cannot be scheduled until this requirement is removed. FURNISH PROOF, SATISFACTORY TO THE COMPANY, FROM THE CONDOMINIUM/HOMEOWNER S ASSOCIATION THAT IS HAS APPROVED THE SALE TO THE PROPOSED PURCHASER(S), IF APPLICABLE; AND THAT ALL CONDOMINIUM/HOMEOWNER S ASSOCIATION FEES AND ASSESSMENTS HAVE BEEN PAID IN FULL; AND THAT THERE ARE NO DELINQUENCIES.

Tax information is not available at this time. At such time when the information becomes available, the commitment will be updated to include tax information. We reserve the right to revise and amend this commitment in accordance with our review of said information. NOTE: If the above mortgage(s) appears to secure a revolving line of credit it must be either satisfied of record or (only in the case of a refinance) subordinated to the lien of the insured mortgage. If you pay this mortgage off in connection with this closing, it is imperative to request that the lender satisfy the mortgage of record and to not permit the borrower to make additional draws on this line of credit. This request must be sent certified mail, return receipt requested. 19. Instrument(s), in insurable form, creating the estate or interest to be insured must be executed, delivered and filed for record: A. DEED for the consideration of [Consideration] FROM: U.S. ROF IV Legal Title Trust 2015-1, by U.S. Bank National Association, as Legal Title Trustee TO: *PREVIOUS OWNER* YURY GOYZMAN B. MORTGAGE in the original principal amount of FROM: TO: *PREVIOUS OWNER* YURY GOYZMAN Corporate deeds/mortgages must be executed pursuant to proper corporate authority, and the Company must be furnished with copies of Board resolutions authorizing the execution of such documents. THE COMPANY MAY MAKE OTHER REQUIREMENTS OR EXCEPTIONS UPON ITS REVIEW OF THE DOCUMENTS CREATING THE ESTATE OR INTEREST TO BE INSURED OR OTHERWISE ASCERTAINING DETAILS OF THE TRANSACTION.

File No.: D-PA435872 Schedule B of the policy or policies to be insured will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company: 1. Discrepancies or conflicts in boundary lines, easements, encroachments, or area content which a satisfactory survey would disclose. 2. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public record or attaching subsequent to the effective date hereof but prior to the date the proposed insured acquires for value of record the estate or interest or mortgage hereon covered by the commitment. 3. Any lien, or right to a lien for services, labor or materials heretofore or hereafter furnished, imposed by law and not shown by public records. 4. Rights or claims of parties in possession or under agreements of sale not shown by public records. 5. Taxes or special assessments which are not shown on the public record. 6. Possible additional tax assessments for new construction and or major improvements. Not yet due and payable. 7. Any reservation, restriction, limitations, conditions or agreements set forth in the instrument by which title is vested in the insured. 8. Subject to all coal and mining rights and all rights relating thereto: THIS DOCUMENT DOES NOT INCLUDE OR INSURE THE TITLE TO THE COAL AND THE RIGHT OF SUPPORT UNDERNEATH THE SURFACE OF THE LAND DESCRIBED OR REFERRED TO HEREIN AND THE OWNER OR OWNERS OF SUCH COAL MAY HAVE THE COMPLETE AND LEGAL RIGHT TO REMOVE ALL SUCH COAL AND, IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, BUILDING OR OTHER STRUCTURE ON OR IN SUCH LAND. THE INCLUSION OF THIS NOTICE DOES NOT ENLARGE, RESTRICT OR MODIFY ANY LEGAL RIGHTS OR ESTATES OTHERWISE CREATED, TRANSFERRED, EXCEPTED OR RESERVED BY THIS INSTRUMENT. Policy does not insure against subsidence. 9. Excepting and reserving that portion of the premises lying in and along the roadbed(s); subject to public and private rights thereon. 10. Subject to any line right of ways including electric line, telephone line, cable lines, water and sewer line right of ways in use and existing in, on, or under the ground and all rights in relation thereto. 11. Amount and computation of area or acreage is not insured 12. Subject to that certain Right of Way Easement in favor of Western Union Telegraph Company in (book) 1102 (page) 369, of the Official Property Records of Montgomery County, Pennsylvania. 13. Subject to that certain Right of Way Easement in favor of Bell Telephone Company of Pennsylvania in (book) 4517 (page) 332, of the Official Property Records of Montgomery County, Pennsylvania. 14. Subject to that certain Right of Way Easement in favor of Philadelphia Electric Company in (book) 4530 (page) 522, of the Official Property Records of Montgomery County, Pennsylvania. 15. Subject to the Terms, provisions, covenants, conditions, restrictions, easements, charges, assessments and liens provided in the Declaration of Covenants, Conditions and Restrictions recorded in Book 1025, Page 389; and in Book 1129, Page 326, of the official property records of Montgomery County, Pennsylvania, but omitting any covenant, condition or restriction, if any, based on race, color, religion, sex, handicap, familial status, or national origin unless and

only to the extent that the covenant, condition or restriction (a) is exempt under Title 42 of the United States Code, or (b) relates to handicap, but does not discriminate against handicapped persons. Note: The following is for informational purposes only and will not appear in the policy to be issued hereunder: The following deed(s) affecting the land described in the Schedule A hereof cover a minimum twenty four month period prior to the effective date of this commitment: Deed Type: Deed Grantors: The Ukrainan Self-Reliance Federal Credt Union Grantees: Yury Goyzman and Galina Goyzman, h/w Dated: October 18, 2001 Recorded Date: October 19, 2001 Consideration: BOOK: 5381 PAGE: 1497 Instrument: Judgments of record: None ALTA Commitment (6-17-06) - TIRBOP & STG modifications (4-1-07) File No.: D-PA435872