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Western Regional Exceptions (or "WRE "); The following exceptions to coverage for a Non -EAGLE Loan <br />Policy or NOWEAGLE Owner's Policy$ <br />1, Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies <br />taxes or assessments on real property or by the public records, <br />Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, <br />whether or not shown by the records of 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 <br />ascertained by an inspection of the land or which may be asserted by persons in possession thereof, <br />9. 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 <br />correct survey would disclose, and which are not shown by the public records, <br />S. (a) Unpatented mining claims, (b) reservations or exceptions in patents or in acts authodxing the issuance <br />thereof, (c) water rights or, claims or Utle to water, whether or not the matters excepted under (a), (b) or (c) <br />are shown by the public records. <br />6. Any Ilen or right to a lien for services, labor or material not shown by the public records, <br />ROUNDING UP OF APPLICABLE RATES, FEES AND CHARGES <br />All rates, fees and charges contemplated by this Schedule shall be rounded up to the next dollar at each calculation <br />except as otherwise expressly provided. <br />ENDORSEMENT RATES <br />Rates for endorsements are set forth In the appendices to this rate manual as follows: <br />• GLTA Endorsement Rates - Appendix G <br />• FAMO Endorsement Rates - Appendix D <br />• ALTA Endorsement Rates - Appendix E <br />When determining Policy Type for purpose of these appendices, the endorsed policies are either Owner or Loan, and <br />either Standard or Extended. For this purpose: <br />• "Standard" means a Non -EAGLE Owner's Policy with WRE or a Non -EAGLE Loan Policy with WRE; and <br />• "Extended" means a Non -EAGLE Owner's Policy without WRE or a Non -EAGLE Loan Policy without WRE. <br />When an endorsement Is Issued for an EAGLE Owner's polity, the rate applicable to a "Standard" Owner's Polity <br />applies. When an endorsement Is Issued for an EAGLE Loan Policy, the rate applicable to an "P.xtendod" Loan Policy <br />applies. <br />.a- <br />O 2014 First American 11de Insurance company. All rights reserved. <br />25F -19 <br />November 10, 2014 <br />