No financial statements, Loan Document or any other document, certificate or written statement furnished to Lender by Borrower, Mortgage Borrower or Guarantor and, to the knowledge of Borrower, Mortgage Borrower or Guarantor, no document or statement furnished by any third party on behalf of Borrower, Mortgage Borrower or Guarantor, for use in connection with the Loan contains any untrue representation, warranty or statement of a material fact, and none omits to state a material fact necessary in order to make the statements contained herein or therein, in light of the circumstances under which they were made, not misleading. As of the Closing Date, there has been no material adverse change in any condition, fact, circumstance or event that would make any such information inaccurate, incomplete or otherwise misleading in any material respect or that otherwise have a Material Adverse Effect. There is no material fact known to Borrower that has had or will have a Material Adverse Effect and that has not been disclosed in writing to Lender by Borrower.