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ATTACHMENT ONE (Revised 06-08.16) CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY -1290 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the oovemge of this policy and the Company will not pay loss or damage, cocle, attorneys' fees or expenses which arise by reason at. 1. (a) Any law, ordinance or govemntanial regulation Qncluding bud not limited to building or zoning laws, ordlnrmes, of regulations) reatdwrg, regulating, prohibiting or ralagng Q) the occupancy, use, or enjoyment of We low; tip the cherader, dimensions or location of any Imprevemmt now or hereafter erected on the land; Qiq a separation In ownership of a change In the dlmrrslons or area of the land or any parcel of vfikh the fend Is or was a part; or Qy environmental probedbn, or the aged of any vlolagon of don Imve. ordinances or governmental regulations, violation affecting thielhe extent laand has been mounted t a notice of the InIn the t ubliccrecoerNe at Date of MUM, of a defeat. Ilan, or encurtlbrance reaching from a violation r alleged y. (b) Any governmental police power mal excluded by (a) above, except to the extent that a acres of the execise thereof or notice of a defect, son or eneunlbrance mauf aiii from a violation or aseged violation affecting the land has been recorded In the public records at Date of Policy, 2, Rights ofaminem domain unless notice of the exercise thereof has been mcorded In the public recoils ad Date of Policy, but not excluding from coverage any taking which has ooculred prior to Data of Pak which would be binding on the rights of a purchaser for talus without knowledge. 3. Defects. hens,encumbrances. adverse claims or other matters: (a) whether of not recordad an the public records at dale of Policy, but created, suffered, assumed or agreed to by ire Insured claimant; (b) not known to the to the Compam7 by the Insured claimant ed In the prior to public hee data the Insured dolmants at Onto of tbbecomee Mown Insured undto the o this policy and not dlsdnscM in vrtginp (c) focusing In no lose or damage to the Instead claimant; (d) creating tweeted subaoquerd to Date of Policy; or (a) retailing itt.loss or damage which would not have been sustained If the insured claimant had pad value for the Insured mortgage or for the 4. Un rdbrceabilgy of the fen of the Itdumd morligage becavae or the inab0ty or failure of the insured at Date or Policy, or the lnabigy or failure of any subsequent owner at the hdehladnem, to aomply whin the applicable doing business laws ofdiastase In which the land Is ativated. 6. Involitl4y or ves nferceeblsiy of the lien of the Insured mortgage, Or claim thereof, mkh arises but of the transaction evidenced by fire Insured mortgage and is based upon usury or my consumer credo proteaton ortndh In landing law. 6. Any claim, Which Week out of the transaction vesting In the Insured the estate of interest insured by this policy or The transaction creating the hnemet of the Insured tender, by mean of the operation of federal bankruptcy, state Insolvency or simlar raditorarights laws. EXCEPTIONS FROM COVERAGE • SCHEDULE E, PART 1 This policy does not Irmun, against lose or damage (and the Company will notpay coats. allomeye' fees or expenses) which edge by reason 0.. 1. Taws or assessments which am not Shown as existing Mara by the records of any taxing authority that Was Wall or assessments on real property or by the public records. Proceedmga by a pubic agency which may result In taxes W MmAmenta, ofMUMS at such proceedings, whemr or not shown by the records of such agency or by the public records. 2. Any facts, tights, Interests, r claims which are not shown by the public records but which could be escadatned by on inspection of the lard or which may be asserted by persons In possesslon thereof. 3. Easements, Mane orencumbrences, r claims thereof, not shown by do pubic records, 4. Discrepancies, Conflicts In boundary Lne$. shortage In lima, enoreaehmems. or any other lasts which a caned suftey World diastase, and Which are not shown by the public recrds. 6. (a) Unpatented mining claims; (b) reservations or exceptlarhs In patens or In Acts adhodxing tha Issuance thereof, (c) water rights, claims or title to water, whether or riot me maters excepted under (a), (f) or (c) are shown by the public records. 6. Any lien or right to a lien tor services, labor r material nil shown by the public records. CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02.13) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE EXCLUSIONS In addition io the Fxc ap6ons In Schedule B,You ate not Insured against lose, coats, ahomeys' fees, and expenses malting tram: 1. Governments] policepwrer, and me exlolerue rWogtien atthose portions of any law or govamment regulation oonceMrlg: a. balding; b. zoning; c. land use; d. Improvements on the Land; e. land dMalon; and f, envintrua lal protection. This Exclusion does not limit the coverage described In Covered Risk P.m. 14, 16. 16, 10, 19. 20, 23 or 27. 2. The failure of Yaw "Ung atfuzums, or any pan of them, to be constructed in accordance with applicable bulling codes. This Exclusion does not limit the ooveraga assorted ter Covered Risk 14 or 16. 3. The right to take the Land by condemning ft. This Exclusion does not limit the coverage described In Covered Risk 17. 4. Risks: a, that are created, allowed, or agreed to by You, whether or not dwy are recorded In the Public Records; It. that am Known loYou al the Policy Date, but nut to Us, union "are records in the public Records et the Polity Data; dad to CLTA subscribers in good standing as of the date of use. Ali other ruse we prehibfted. Reprinted under license or California LandTNe Assoclation.