Issuu

6158, 7

PAULETTE Bk/Pg: 6087, 314

PAULETTE Bk/Pg: 879, 73 Bk/Pg: 825, 568 NA

Hendrie DriveExtension0001

Old Greenwich, CT 06870

X 09001C0514G Greenwich Town

NFIP Map Number or Community-Panel Number (Community name, if not the same as "A")

Fairfield County 2013-07-08 CT

Is there a Letter of Map Change (LOMC)?

(ifyes,andLOMCdate/no.isavailable, ent er da te an d ca se n o be lo w )

Date Federal Flood Insurance is available (community participates in the NFIP) RegularProgram EmergencyProgramofNFIP

Federal Flood Insurance is not available (community does not participate in the NFIP).

Building/Mobile Home is in a Coastal Barrier Resources Area (CBRA) or Otherwise Protected Area (OPA). Federal Flood Insurance may not be available.

CBRA/OPA Designation Date:

YES NO (See Instructions)

If yes, flood insurance is required by the Flood Disaster Protection Act of 1973. If no, flood insurance is not required by the Flood Disaster Protection Act of 1973 Please note, the risk of flooding in this area is only reduced, not r em ove d

THIS DETERMINATIONCOMPLIES WITH THE FLOOD DISASTER PROTECTION ACT OF 1973. Special Flood Hazard Area(s) AE appears on the property, however no structures are affected at this time. Cert #: 20948189-21038161-RI v 1

Western TechnologiesGroup,LLC P O Box 636

Somerville, NJ 08876

908-725-1143

Parcel ID: 06-3394/S +Census Tract Data: St 09 Co 001 MSA 14860 Tr 110+ 07/28/2026

Borrower:

Co-borrower:

PropertyLocation:HendrieDrive Extension 0001 Old Greenwich, CT 06870

Loan Number: Order Number:

Determination Date: 20948189 07/28/2026

TheFloodDisasterProtectionActof1973,asamended,requiresthatfederallyregulatedlendinginstitutionsshallnotmake, increase,extend,orrenewanyloansecuredbyimprovedrealestate,oramobilehomelocated,ortobelocated,inanareathathas beenidentifiedbytheDirectoroftheFederalEmergencyManagementAgency(FEMA)asanareahavingspecialfloodhazards andinwhichfloodinsurancehasbeenmadeavailableundertheNationalFloodInsuranceActof1968,throughtheNational FloodInsuranceProgram(NFIP),unlessthebuildingormobilehomeandanypersonalpropertysecuringsuchloaniscoveredfor thetermoftheloanbyfloodinsuranceinanamountatleastequaltotheoutstandingprincipalbalanceoftheloanorthe maximumlimitofcoveragemadeavailableundertheActwithrespecttotheparticulartypeofproperty,whicheverisless

NOTICETOBORROWERABOUTSPECIALFLOODHAZARDAREASTATUS

NoticeofPropertyinSpecialFloodHazardArea(SFHA)

Thebuildingormobilehomesecuringtheloanforwhichyouhaveappliedisorwillbelocatedinanareawithspecialflood hazards TheareahasbeenidentifiedbytheDirectorofFEMAasaSFHAusingFEMA'sFloodInsuranceRateMaporthe FloodHazardBoundaryMapforthefollowingcommunity: GreenwichTown

Theareahasatleastaonepercent(1%)chanceofafloodequaltoorexceedingthebasefloodelevation(a100-yearflood)inany givenyear Duringthelifeofa30-yearmortgageloan,theriskofa100-yearfloodinaSFHAis26percent(26%) Federallaw allowsalenderandborrowerjointlytorequesttheDirectorofFEMAtoreviewthedeterminationofwhethertheproperty securingtheloanislocatedinaSFHA Ifyouwouldliketomakesucharequest,pleasecontactusforfurtherinformation NoticeofPropertyNotinSpecialFloodHazardArea(SFHA)

ThebuildingormobilehomedescribedintheattachedinstrumentisnotcurrentlylocatedinanareadesignatedbytheDirectorof FEMAasaSFHA.NFIPfloodinsuranceisnotrequired,butmaybeavailable.If,duringthetermofthisloan,thesubject propertyisidentifiedasbeinginaSFHA,asdesignatedbyFEMA,youmayberequiredtopurchaseandmaintainfloodinsurance atyourexpense

NOTICETOBORROWERABOUTFEDERALDISASTERASSISTANCE

NoticeinParticipatingCommunities

Thecommunity in which the property securing the loan is located participates in the NFIP. The Flood Disaster Protection Act of1973, as amended, mandates federally insured or regulated lenders to require the purchase of flood insurance on all buildings being financed that are located in SFHAs of communities participating in the NFIP The flood insurance must be maintained for theterm of the loan If you fail to purchase or renew flood insurance on the property, federal law authorizes and requires us to purchasethefloodinsuranceatyourexpense

•Ataminimum,floodinsurancepurchasedmustcoverthelesserof:

(1)theoutstandingprincipalbalanceoftheloan;or

(2)themaximumamountofcoverageallowedforthetypeofpropertyundertheNFIP.

•FloodinsurancecoverageundertheNFIPislimitedtothebuildingormobilehomeandanypersonalpropertythatsecures yourloanandnotthelanditself.

•Federaldisasterreliefassistance(usuallyintheformofalow-interestloan)maybeavailablefordamagesincurredinexcess ofyourfloodinsuranceifyourcommunity'sparticipationintheNFIPisinaccordancewithNFIPrequirements

•Althoughyoumaynotberequiredtomaintainfloodinsuranceonallstructures,youmaystillwishtodoso,andyour mortgagelendermaystillrequireyoutodosotoprotectthecollateralsecuringthemortgage Ifyouchoosenottomaintain floodinsuranceonastructureanditfloods,youareresponsibleforallfloodlossesrelatingtothatstructure

NoticeinNon-particpatingCommunities

FloodinsurancecoverageundertheNFIPisnotavailableforthepropertysecuringtheloanbecausethecommunityinwhichthe propertyislocateddoesnotparticipateintheNFIP Inaddition,ifthenonparticipatingcommunityhasbeenidentifiedforatleast oneyearascontainingaSFHA,propertieslocatedinthecommunitywillnotbeeligibleforthefederaldisasterrelief assistanceintheeventofafederally-declaredflooddisaster.

Borrower:

Co-borrower:

Property Location: Hendrie Drive Extension 0001 Old Greenwich, CT 06870

Loan Number:

Order Number:

Determination Date:

20948189

07/28/2026

NOTICETOBORROWERABOUTAVAILABILITYOFPRIVATEFLOODINSURANCECOVERAGE

FloodinsurancecoverageundertheNFIPmaybepurchasedthroughaninsuranceagentwhowillobtainthepolicyeitherdirectlythrough theNFIPorthroughaninsurancecompanythatparticipatesintheNFIP Floodinsurancethatprovidesthesamelevelofcoverageasa standardfloodinsurancepolicyundertheNFIPmaybeavailablefromprivateinsurersthatdonotparticipateintheNFIP.Youshould comparethefloodinsurancecoverage,deductibles,exclusions,conditions,andpremiumsassociatedwithfloodinsurancepoliciesissued onbehalfoftheNFIPandpoliciesissuedonbehalfofprivateinsurancecompaniesandcontactaninsuranceagentastotheavailability, cost,andcomparisonsoffloodinsurancecoverage

Federallawmayrequirealenderoritsservicertoescrowallpremiumsandfeesforfloodinsurancethatcoversanyresidentialbuildingor mobilehomesecuringaloanthatislocatedinanareawithspecialfloodhazards Ifyourlendernotifiesyouthatanescrowaccountis requiredforyourloan,thenyoumustpayyourfloodinsurancepremiumsandfeestothelenderoritsservicerwiththesamefrequencyas youmakeloanpaymentsforthedurationofyourloan Thesepremiumsandfeeswillbedepositedintheescrowaccount,whichwillbe usedtopaythefloodinsuranceprovider.

Borrower's Signature Date

Co-Borrower's Signature Date

Flood Determination

Hendrie Drive Extension 0001 , Greenwich Town, CT 06870

Flood Determination

Drive Extension 0001 , Greenwich Town, CT 06870

NFIP Map Panel/Effective Date: 09001C0514G (07/08/2013)

Hendrie

Flood Determination

FEMA SFHA (Special Flood Hazard Area)

Allzonesstarting withAorV;referredtoas"100-yearfloodplain"

Zone A No Base Flood Elevations determined.

Zone AE

Zone AH

Zone AO

Base Flood Elevations determined. This zone may also be labeled Zone A1-A30.

Flood depths of 1 to 3 feet (usually areas of ponding); Base Flood Elevations determined.

Flood Depths of 1 to 3 feet (usually sheet flow on sloping terrain); Average depths determined. For areas of alluvial fan flooding, velocities also determined.

Zone VE

Coastal flood zone with velocity hazard (wave action); Base Flood Elevations determined. This zone may also be labeled Zone V1-V30.

Moderate Risk Flood Hazard Area

Referred to as "500-year floodplain"

Zone X(0.2%)

Areas of 0.2% annual chance flood; Areas of 1% annual chance flood with average depths of less than 1 foot or with drainage areas less than 1 square mile; Areas protected by levees from 1% annual chance flood. This zone may also be labeled Zone X(shaded) or B.

Low Risk Flood Hazard Area