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ATTACHMENT ONE
<br />Attachment One (11/04/22)
<br />CALIFORNIA LAND TITLE ASSOCIATION
<br />STANDARD COVERAGE POLICY - 1990 (11-09-18)
<br />EXCLUSIONS FROM COVERAGE
<br />The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or
<br />expenses which arise by reason of:
<br />1.(a)Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting,
<br />regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any
<br />improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any
<br />parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or
<br />governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting
<br />from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy.
<br />(b)Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien
<br />or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy.
<br />2.Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from
<br />coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge.
<br />3.Defects, liens, encumbrances, adverse claims or other matters:
<br />(a)whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant;
<br />(b)not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing
<br />to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy;
<br />(c)resulting in no loss or damage to the insured claimant;
<br />(d)attaching or created subsequent to Date of Policy; or
<br />(e)resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the
<br />estate or interest insured by this policy.
<br />4.Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of
<br />any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated.
<br />5.Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured
<br />mortgage and is based upon usury or any consumer credit protection or truth in lending law.
<br />6.Any claim, which arises out of the transaction vesting in the insured the estate or interest insured by this policy or the transaction creating the
<br />interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws.
<br />EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I
<br />This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of:
<br />1.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real
<br />property or by the public records.
<br />Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of
<br />such agency or by the public records.
<br />2.Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or
<br />which may be asserted by persons in possession thereof.
<br />3.Easements, liens or encumbrances, or claims thereof, not shown by the public records.
<br />4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which
<br />are not shown by the public records.
<br />5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title
<br />to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records.
<br />6.Any lien or right to a lien for services, labor or material unless such lien is shown by the public records at Date of Policy.
<br />EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART II
<br />(Variable exceptions such as taxes, easements, CC&R’s, etc., are inserted here)
<br />209 N Bewley St
<br />Unit# 211/13/2024
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