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Attachment 1
<br />Order No: 09205693-920-CMM-CM8
<br />4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete
<br />land survey of the Land and 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 to
<br />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 not shown by the Public Records.
<br />PART II
<br />In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or
<br />damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:)
<br />2006 ALTA OWNER'S POLICY (06-17-06)
<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 that arise by reason of
<br />1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or
<br />relating to
<br />(i) the occupancy, use, or enjoyment of the Land;
<br />(ii) the character, dimensions, or location of any improvement erected on the Land;
<br />(iii) the subdivision of land; or
<br />(iv) environmental protection;
<br />or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the
<br />coverage provided under Covered Risk 5.
<br />(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6.
<br />2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
<br />3. Defects, liens, encumbrances, adverse claims, or other matters
<br />(a) 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 (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or
<br />(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
<br />4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as
<br />shown in Schedule A, is
<br />(a) a fraudulent conveyance or fraudulent transfer; or
<br />(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
<br />5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the
<br />date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A.
<br />The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage,
<br />the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
<br />EXCEPTIONS FROM COVERAGE
<br />This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of
<br />(The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage,
<br />the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage:
<br />1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or
<br />by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not
<br />shown by the records of such agency or by the Public Records.
<br />2. Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be
<br />asserted by persons in possession of the Land.
<br />3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
<br />4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete
<br />land survey of the Land and that 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 to
<br />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 not shown by the Public Records.
<br />7. (Variable exceptions such as taxes, easements, CC&R's, etc. shown here.)
<br />ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13)
<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, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or
<br />relating to
<br />(i) the occupancy, use, or enjoyment of the Land;
<br />(ii) the character, dimensions, or location of any improvement erected on the Land;
<br />(iii) the subdivision of land; or
<br />(iv) environmental protection;
<br />or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the
<br />coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
<br />(b) Any governmental police power. This Exclusion l(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14
<br />or 16.
<br />Attachment One (6-5-14) CA & NV
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