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<br /> POLICY NO. : FI,0230-81 -3318-053-2012 .8130609-85862088
<br /> OWNER' S POLICY OF TITLE INSURANCE
<br /> Issued by
<br /> Commonwealth Land Title Insurance Company
<br /> Any notice of claim and any other notice or statement In writing required to be given to the Company under this Policy
<br /> must be given to the Company at the address shown in Section 18 of the Conditions.
<br /> COVERED RISKS
<br /> SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B , AND
<br /> THE CONDITIONS , COMMONWEALTH LAND TITLE INSURANCE COMPANY, a Nebraska corporation , (the "Company")
<br /> insures, as of Date of Policy, against loss or damage, not exceeding the Amount of Insurance, sustained or incurred by
<br /> the
<br /> Insured by reason of:
<br /> 1 . Title being vested other than as stated in Schedule A.
<br /> 2 . Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against
<br /> loss
<br /> from
<br /> (a) A defect in the Title caused by
<br /> (i) forgery, fraud , undue influence , duress ; incompetency, incapacity, or impersonation ;
<br /> (ii) failure of any person or Entity to have authorized a transfer or conveyance;
<br /> (iii) a document affecting Title not properly created , executed , witnessed , sealed , acknowledged , notarized ,
<br /> or
<br /> . O 9 P P Y
<br /> delivered ;
<br /> (iv) failure to perform those acts necessary to create a document by electronic means authorized by law;
<br /> (v) a document executed under a falsified , expired , or otherwise invalid power of attorney ;
<br /> (vi) a document not properly filed , recorded , or indexed in the Public Records including failure to perform those
<br /> acts by electronic means authorized by law; or
<br /> (vii) a defective judicial or administrative proceeding .
<br /> ( b) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable,
<br />but
<br /> unpaid .
<br /> (c) Any encroachment , encumbrance , violation , variation , or adverse circumstance affecting the Title that would
<br /> be
<br /> disclosed by an accurate and complete land survey of the Land . The term "encroachment" includes encroachments
<br /> of existing improvements located on the Land onto adjoining land , and encroachments onto the Land ,of existing
<br /> improvements located on adjoining land .
<br /> 3 . Unmarketable Title ,
<br /> 4 . No right of access to and from the Land .
<br /> 5 . The violation or enforcement of any law, ordinance, permit, or governmental regulation (including those
<br /> relating to
<br /> building and zoning) restricting , regulating , prohibiting , or relating to
<br /> (a) the occupancy , use , or enjoyment of the Land ;
<br /> (b) the character, dimensions , or location of any improvement erected on the Land ;
<br /> (c) the subdivision of land ; or
<br /> (d) environmental protection
<br /> if a notice , describing any part of the Land , is recorded in the Public Records setting forth the violation or intention
<br /> to
<br /> ALTA Owner's Policy (6/17/06)
<br /> 8130609 1 of 8 (with Florida Modifications)
<br /> Copyright American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA MONSOON
<br /> am
<br /> members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title ,
<br /> Association
<br />
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