LENDER AND CLOSING FEES: In addition to Seller's expenses identified herein, Seller will contribute
$ 3% to Buyer's Lender's Fees and/or Buyer's Title and Escrow Fees including
costs which Seller must pay pursuant to loan program requirements. Different loan types (e.g., FHA, VA, conventional) have
different appraisal and financing requirements, which will affect the parties’ rights and costs under this Agreement.