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POLICY NO.: CA-FXDD-ICL-81451-1-22-221534503 ALTA Homeowner’s Policy of Title Insurance (12-2-13) Page 3 Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA Licensees and ALTA Members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. HHOOMMEEOOWWNNEERR’’SS PPOOLLIICCYY OOFF TTIITTLLEE IINNSSUURRAANNCCEE FFoorr aa oonnee--ttoo--ffoouurr ffaammiillyy rreessiiddeennccee Issued by Commonwealth Land Title Insurance Company As soon as You Know of anything that might be covered by this Policy, You must notify Us promptly in writing at the address shown in Section 3 of the Conditions. OWNER'S COVERAGE STATEMENT This Policy insures You against actual loss, including any costs, attorneys’ fees and expenses provided under this Policy. The loss must result from one or more of the Covered Risks set forth below. This Policy covers only Land that is an improved residential lot on which there is located a one-to-four family residence and only when each insured named in Schedule A is a Natural Person. Your insurance is effective on the Policy Date. This Policy covers Your actual loss from any risk described under Covered Risks if the event creating the risk exists on the Policy Date or, to the extent expressly stated in Covered Risks, after the Policy Date. Your insurance is limited by all of the following: • The Policy Amount • For Covered Risk 16, 18, 19 and 21, Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A • The Exceptions in Schedule B • Our Duty To Defend Against Legal Actions • The Exclusions on page 8 • The Conditions on page 9. COVERED RISKS The Covered Risks are: 1. Someone else owns an interest in Your Title. 2. Someone else has rights affecting Your Title because of leases, contracts, or options. 3. Someone else claims to have rights affecting Your Title because of forgery or impersonation. 4. Someone else has an easement on the Land. 5. Someone else has a right to limit Your use of the Land. 6. Your Title is defective. Some of these defects are: a. Someone else’s failure to have authorized a transfer or conveyance of your Title. b. Someone else’s failure to create a valid document by electronic means. c. A document upon which Your Title is based is invalid because it was not properly signed, sealed, acknowledged, delivered or recorded. d. A document upon which Your Title is based was signed using a falsified, expired, or otherwise invalid power of attorney. 1927 & 1929 S Hickory St2/12/2025