TiTle insurance endorsemenTs coverage descripTions & Fees

1 TiTle insurance endorsemenTscoverage descripTions & FeesThis Booklet has been prepared by Lawyers TiTle to assist you in understanding endorsemenTs issued in conjunction with a TiTle insurance policy . Use this information as a guide. It does not contain a complete list of all available may be defined as additions to a TiTle insurance policy . They are most often used to expand the coverage provided under the policy . Occasionally, however, they are used to limit the policy coverage . endorsemenTs may be issued with either a Standard or Extended coverage policy .

2 Also, they may be issued in favor of an owner, lender or both, depending on the nature of the coverage . endorsemenTs are negotiable and therefore should be requested early in the coverages and forms are designed and used by the various land TiTle associations. Lawyers TiTle insurance Corporation, issues endorsemenTs created by the American Land TiTle Association (ALTA) and the California Land TiTle Association (CLTA).In order to easily find one of the CLTA endorsemenTs , they have been grouped under the same number series.

3 For example, the 100 series cover Restriction (CC&Rs), the 101 and 102 series cover Construction and Mechanics Lien problems, the 103 series cover Easement and the 104 series cover Deed of Trust and following pages list the endorsemenTs which have been filed with the California Department of insurance and are available to our customers. Questions regarding price, endorsemenTs forms and coverages should be directed to the TiTle Department or your Escrow insurance EndorsementsclTa no. descripTionpolicy TyperaTe100 Comprehensive-Improved LandALTA LOANNo charge-issued only at date of LOAN20% - ALTA 9 ALTA LOANNo charge-issued only at date of - ALTA LOANNo charge-issued only at date of s - ALTA OWNER S$ s - ALTA OWNER S$ violation of particular restrictionsALTA LOAN STANDARD LOANNo charge 10% violation of particular restrictionsOWNER S20% & future violation of restrictionsOWNER S 20% violation of particular restrictionsALTA OWNER S STANDARD OWNER SNo charge 20% &

4 Future violation of restrictionsOWNER S20% , Encroachments, Minerals-Unimproved Land ALTA OWNER S$ , Encroachments, Minerals-Improved Land ALTA OWNER S$ of Enforcement under CC&R is ineffectiveOWNER SLOAN$ assessments subordinateALTA LOAN$ of restrictionsOWNER S LOAN20% 10% coverage , descripTions , and FeesclTa no. descripTionpolicy of re-entry ineffective and unmarketability of TiTle because of right of entryLOAN$ present violations of CC&RALTA OWNER SSTANDARD OWNER SALTA LOANSTANDARD LOAN No charge 20%No charge10% violations of CC&R attempted enforcementALTA OWNER SSTANDARD OWNER SALTA LOANSTANDARD LOAN No charge20% No charge10% of plans required by CC&RALTA OWNER SSTANDARD OWNER SALTA LOANSTANDARD LOANNo charge20% No charge10% of Surface Entry under oil leaseALTA LOAN10% Right of Surface

5 Entry-under oil leaseALTA LOAN$ Oil Lease does not violate CC&RALTA LOAN20% entry top 500 feet OWNER SLOAN20%10% violation of particular restrictionALTA LOANNo of particular provisions of CC&R by future constructionOWNER SLOAN20%10% rights damage to improvementsOWNER SLOAN20% maximum:$ $ insurance M/LSTANDARD LOAN10% insurance after Notice of CompletionOWNER S 20% TiTle insurance EndorsementsclTa no. descripTionpolicy insurance after Notice of CompletionLOAN10% insurance - No Notice of CompletionLOAN10% insurance - No Notice of CompletionCLTA OWNER S20% insurance - Notice regular and no record liens, limited liabilityLOAN10% based on amount of endorsement , plus $ for each lien, plus $ for each insurance -Notice regular and no record liens, liability same as policyLOAN10% plus $ for each lien, plus $ for each insurance -Priority over M/Ls arising out of off-site work.

6 Financing by separate loanSTANDARD LOAN15% M/L arising out of work referred to in Notice of CompletionALTA OWNER S10% based upon the amount of the over M/L arising out of work referred to in Notice of CompletionALTA LOAN10% based upon the amount of the over M/L arising out of work under construction or completedALTA LOAN10% based upon the amount of the arising out of work under construction or completedOWNER S10% based upon the amount of the insurance -after Notice of CompletionLOAN10% insurance -after Notice of CompletionALTA LOAN ConstructionNot authorized to be issuedCoverage, descripTions , and FeesclTa no.

7 DescripTionpolicy insurance -No Notice of CompletionALTA LOAN ConstructionNot authorized to be insurance -Notice of Completion recorded on a portion of the landALTA LOANC onstructionNot authorized to be insurance -No Notice of CompletionALTA LOAN ConstructionNot authorized to be insurance -Notice of Completion recordedALTA LOAN ConstructionNot authorized to be violation, CC&R, no encroachmentsLOAN10% (minimum $ , maximum $ ) violation CC&R, no encroachments onto easements or adjoining landLOAN1-4 Family Residential Property: 15%, Max $ ; Other Property 15%, Max $ violation, CC&R, no encroachments on portion of land described in policyLOAN10% (minimum $ , maximum $ ) violation, CC&R, no encroachment on portion of land described in policy or easementsLOAN10% (minimum $ , maximum $ ) , damages from use or maintenanceLOAN1-4 Family Property: $ ; Other Property: Min.

8 $ , removal of improvementsLOAN1-4 Family Property: $ ; Other Property: Min. $ , providing ingress & egressOWNER S or LOAN$ if issued with original policy , $ if issued subsequent to policyTitle insurance EndorsementsclTa no. descripTionpolicy rights to extract waterOWNER S or LOAN1-4 Family Property: $ ; Other Property: Min. $ encroachments on specific easementsALTA LOAN10% abuts on existing streetOWNER S or LOAN$ if issued with original policy , $ if issued subsequent to to present or future improvementsALTA LOAN10% (minimum $ ) on public streetALTA LOAN10% (minimum $ )

9 Owner insured against use of surface by owner of land below the horizontal division of landALTA OWNER S or LOAN20% & EntryALTA Form 17 OWNER S or LOAN$ if issued with original policy , $ if issued subsequent to policy Access & Entry ALTA Form S or LOAN$ if issued with original policy , $ if issued subsequent to policy 104 Assignment of beneficial interestALTA LOAN40%, but not less than Standard Minimum Charge. Maximum $ of beneficial interestSTANDARD LOAN30%, but not less than Standard Minimum Charge.

10 Maximum $ of beneficial interestLOAN$ coverage , descripTions , and FeesclTa no. descripTionpolicy Assignment of beneficial interestLOAN$ of Lessor s interest LOAN$ of RentsLOAN$ Assignment of beneficial interest ALTA LOAN30%, but not less than Standard Minimum Charge. Maximum $ Assignment of beneficial interest STANDARD LOAN20%, but not less than Standard Minimum Charge. Maximum $ Assignment of beneficial interest ALTA LOAN$ Collateral Assignment of beneficial interestALTA LOAN$ two or more deeds of trustALTA LOANNo two or more deeds of trustSTANDARD LOANNo charge106 Highway policyState of California$ 106 CHighway policyState of California$ policyState of California$ policyState of California$ policyState of California$ TiTle insurance EndorsementsclTa no.