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" AMERICAN LAND TITLE ASSOCiATION LOAN POLICY (4-1590)
'WITH ALTA ENDORS'.EMENT • POAM 1 COVERAGE
and
AMERICAN LAND TITLE,,ASSOCIATION LEASEIiOL$ LOAN POLICY( 4'-6-Djo)
'
WITH ALTA ENDORSEMENT- - PORM 1 COVERAGE
EXCLUSIONS FROM COVERAdE,
Thd, foitftwing matters Ara expressly excluded from 'lhe coverage of this policy and the Company will not, pay lass or damage, costs, attorneys" fees or
axodrAwg which arlse by reason oh
(0) Any law, ordinance or govbrrttnental tbgulatidn (including but not Ilmlted to building and zoning laws; ordinances, of regulations) restricting,
gulatittgk prchi> iting or relating to (i} the ocoupartcy use,ot enjoyh!Olnt of the land; (li} the chatacter,-dlmensions of iodation of any impttivdment -
now othereaftrtrerected`on the land: (110 a separation In Ownership ora change In the dlrnenslons or area of the land or any parcel of which the
land iaor'tras a part„or(w) environmental protection, orthe affect of any violation of these laws, ordinancesOtgovernmantal regulations; except;
to the extent that a noticrt of fhb t nfoiCerrtent thereoYoi a notice el a defect, Ileil or encunibtance, tesul6tig from a`vinfation or alleged violatfdn,
til(eptlhg the land has been recur ded in the public rot fds at Data of Policy
(i,} Any governmental police power riot excludev by(a) above, except t6 4he extentthat a notfce of the exercise thereof or a notice of a detect, lien or,
trncumbranca resutt+ng from a vio►ation or aptigedvidta.,too affecting the land has been recorded Inthdpubifc rot a��is at Datb at Pol,icy
flights of eminent domain uniess r ante of the exercise thereof has been recorded In the,publIp recordsat Date oft olicy, taut not excluding (torn
ooverage any tdldng which has-7ccurred pdofr to Date of Policy which Would be binding ori the rights of a purchaser for value Wit hoot knowledge,
rataccs, adverse cfafms be What matters;
(a}
created, W1sred, assumed ar a
` gleed to by the insured claimant;
(b)not known to the Company, not "recorded in the public: records it nate of Policy, but known to the fnsured claimant and nnf dlsciosed In writing to.
the Company bythe insured claimant prior to the daft# the Insured claimant bbcanie an insure,: under this policy;
(e) resulting in no ioss of damage t6 the insured claimant,
(d) attaching orcreated subsequent to date of Policy (except to the extent that this,011cy Insures the prlotityof the llen of the Insured mortgage over
any statutory lien, for s4rvices, labor or material Of to the.extent Insurance is afforded herein as to assessn d'Olb for street; Improvements under
construction orrempleted at Date of Policy), or
(0) resulting in losaor damage which would not have been sustained If the insured claimant hod paid Value,(or the Insured mortgage
t, Undh(OceabilityOf tf'fe Ileri of the Insured mortgage because of the inability of failure of the Insured at bate of policy, or the Inability orfailure of
any bubsequentowner of the indebtedness, to comply with applicable doing business lawsuf the state In which the land Is situated,
5. trrV#ffdity or unenforeaabilily of the lien of the Insured mortgage, or u alrn therept, wtilcharises nut bf the lransactiorl`evfdanced by the insured
mortgage and is based capon usuryor any consumercredik ptb'tectlanar truth in lending few.
tiny statutory Iten lot san+ices, fabcr or materials (or the claim or` priorffy of any,statutory;lien for sefvices,' leer or rnatanais over the lien of the
fnsurad rriortgagp)Ads 6,9 front aii tmpiovetnent otwotk related to the land which" It contracted for and commenced subsequent to Date of Policy
and is not Iinanct d fr►whole ar in part by proceeds of tho indebtedness secured by the fnsured mot4gage which at bate of ftlicy the Insured hos
advanced or Is otifigated to advance.
Any claim, which orises::wtof the traiasacticn creating the interest of the mortgagee insufed by this policy, by reason of the optiraffari of federal bankruptcy,
Meta atsolvencY4, or std lar' Creditdrs' rights laws.
doverageelhel,dy, f0ths' (hay be F.zcepi oil frorrt bovgued to aftord. erage in a Standand t,nv rage po Icy w coverage
l alsoEixncludethe tbllawing Gene dovdirage, In ftI6A to the ral bk pitons oVe 1=a clusioris ftorii
EXCEP't'fONS PROM cOVERAGt
'his policy does riot mUeesageinstioss dt darodoe (arid the Cdrrtpahy will not paycosts, attorneys' fees bt expenses)whlch arise by reason of,.
3. Taxes or, assessments wh" aro notshoWn As existing llefis by the recotds of Any taxing authotity that levies taxes or assessments on real property or
fey the public records,
Proceedings bya pubi`tkagencyWhich may result In taxes otassessrrtents, or ndtices of.such` proceedings, Whet hot m not shown by the tecords of such
:agency or by the public records: ,
Any'facis,rights,intereststitdlatmswhicl arendt�shoWobythepUbllcteadrdsbUtwhicitcbuldbeascbttanedbyattirtspectiono!ttielartdbrbyMtiking
,,inquiry iii perstins in posstssion'tfiereot,
;'�, basements, Rens ar et'%cu45rbtAr4t;eff,. trtfiairtis thereof, which are not shdv✓n'tiy the ptt'biic :ecoids.
Ciiscrepanc ies, conflicta m un arytines, shortage iii dreg, ericroachmonts,, or anY other facts which a wrect sway won t discfdsb, grid which aro
not shown by the public records.
at« (a) l j. 9 '( p ' (} b O p is 9 d g
i
wato" hether br not the matters 0do t6d Llnder a , b at c are shown b ,he public records,
npatente'd rninin `claims, b) Peserva,tort5 or exce tidits in atents or In' -Acts tluthoriiln "the' fssc,Arice thereof; c) walsf fl§W#, claims or fine do
AMERICAN LAID TITLE ASSOCIATION OWNeA,% POLICY (4•6.96)
and
AMEAItAN LAND 'TITLE ASSOCIATION UMr tHbLta OWNMS POLICY (4•6-0}
EXCLUSIONS, ! AOM COVERAuE'
1,10 tt( wing mottera aro oxoreshly excluded from the coverage of fhls poftey orad the Company will teat pay lbss or datt age, 0011, Aiiorrreys' lees !ir
ea a ab which Arise by reason of:
1,' 4) Any iaw4 ardinanca ar ' Otnmontal regulation (motudin but rtt l rmod to buildlo and onln taws, ord1hakpsiof togulations) restricting,
g 9 g' g
( rogulating�prohiblting arreiatingta(i)theercaupattc u=a�orenjoymdnloPthe tand,(ii) the character,dirnansionsgtlamionof, any lydordVornotit
stow dr hereafter erected on the land; (1iij tt separattan in avinership at a change In the .dimanslons or area of the land or otty foal of which the
land law was o parteor(rv) onvfronrnentat pt6tectlan�brtho oltectof shy villa fon df these laws, ordinances br govarnmdntdtvegulaticns, oxce�tt
to the e#ent that a NOW of the enforcatinent tharaot or a notion pt a defect, lien of encunibrande resulting Itatn a vidlatldtt dr alleged violatfuh
oftoctlog the land has poen reddrded In the public recottid at bate d(Polley;
f'�.�1 ttn gavommantal' lige power not excluded b a dbwe„nxdd t td the extent theta noticaol rho exercise theredt6ra nolidd of � deflect, ilenor
oncuiizbtande tesultino ffortl a violation or alleged VPotation hifacttng the land has been recorded In the public records at bato of Poflcyt
Aig)tw of eti cont domain unless nolike'nf the eitardskthWdo( has been tecutded In Me publfd fedoras at bate of Polity, but: met 00uding ftotrr
OoVetag?r'artytaking Whldlt has dccuftO prior to bate of Pdlloywb1dh would be bidding on the Hghts oft! putdhaser f0tvaiuo with6utttndyrlddcO
� ftefodts, Ileus, ehcUmbfandes, r<dverse dlairns ornther tnatfers:
(ttf} otoafed, suffd'red' asst tned ota§reed to by"thalnsufM claimant,
{ � nut known td lttn Com finny, not tacdrded ld the
(dset -nate of Policy, but known to the Insured claftham and not dlsofdi d In writing to
the p y y g all ldlwfed underols pbllcyl
p;'j rosult g to no loss or dards olto the inpsurredclsim,antltfte.fnsured cltdmankbecame
(d atlachfng of ctbdtod 0ubs#AUd it to Cate bt Pdlidy; dr,
(e)to ulting In loss or damage which would not have boett sustained it the Insured claftndht had paid value ler the estate or Intorest Insuretl by th(S
policy.
4. any diaim,iNdh adzes but of the fratieactlQn vettitiq in the lftsurad the e5tale og tntere-0 h§tired by this policy, by odm ati of the tiperatlba bl Waal
b6nkruptt{y ,..said itr *onr+y, 6r slmilar dradit6ts` tights laws.
Covetaget trio �iceptidna from 66Verand in a MandardCoverage pollcywill ploo Include tho1dllowing OdOetal lUceptlerhs! n§ tri m
above pbllcy forttis may be tsiiue l to afford etthbe tiandbed Covdfage lit Extoodod 06onfigo, in addltlon to Etre above J:atefuslo
,
EXCEPTION$1+ OM COVERAGE
7hitoolicy 0660 not insure against loss of damage (arid the `Cornp#hy w)iI notpay dosls, dttorneys fees or expenses) which arl;e bytaasdil of.
I, ia�ces rsr iigsussrnerts which are not shown At MOM140 ileus by the ldodttifc4l any tearing authority, that levies texas dr assessntehts art r�*�t p"ropertykor
l�ytk�dpubhar�drds
P"&6edlragsbydpublic ageradyWhicf maytes'ultIntaxes ofasse rrterrts atrlcitldesofsuch prdceedtnys, h6therorriotal,60bythdk6bbrd0ofsuch
agd” or by tho pubilb records.
2 My -act§, ate A6t shown by tfi 'publlo r'pco tds butwhI6h touid tie asd6ttained byan fri5liWi )h bl the farad cot by tnakiAj'
tndu r�+ dt persons In pdssessldn thefdo f
�, setrienf0, liners or 0durobtaiyt 6s. or dlalrrts therdof-Which,to riot shower by the;publac trfcCrds,
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ndtvrn by tftopwblturedo"rd boundary Imes, shortage fh arP.a. eticr'taacNrnerlts, or'driy outer Iacy.. whfdlra dorrect'survdy yrould lis iittvhiclt did
d1d�b, a'r
(,3) t)npetented rt lnftf g dlairns; (b) raa'e tl6rts'. or okceptfotas in; jsatettt5 c3C fn Adts aUtNariziny the lasuilode thoteoh (dywaldt rfghtsJcrapes orliti'b t6
"aler whetherarnet i4d, mb0drs'dxtiepiod Uhdet (s), (b) shown by tiro pubiitf0ddrds;
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