Standard Clauses used in commercial real estate loan documents that require the borrowers to establish escrow accounts to fund payment of real property taxes and insurance premiums throughout the term of the loan. These Standard Clauses describe how tax and insurance escrows are funded and disbursed. These Standard Clauses have integrated notes with important explanatory and drafting tips. While commercial real estate loan documents are generally governed by state law, these jurisdictionally neutral Standard Clauses are useful and relevant in every state.