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Order Number: 1004-5251074
<br /> Page Number: 11
<br /> EXHIBIT A
<br /> LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS(BY POLICY TYPE)
<br /> CLTA STANDARD COVERAGE POLICY-1990
<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
<br /> or expenses which arise by reason of:
<br /> 1. (a) Any law,ordinance or governmental regulation(including but not limited to building or zoning laws,ordinances,or regulations)
<br /> restricting,regulating,prohibiting or relating(i)the occupancy,use,or enjoyment of the land;(ii)the character,dimensions or
<br /> location of any improvement now or hereafter erected on the land;(iii)a separation in ownership or a change in the dimensions or
<br /> area of the land or any parcel of which the land is or was a part;or(iv)environmental protection,or the effect of any violation of
<br /> these laws,ordinances or governmental regulations,except to the extent that a notice of the enforcement thereof or a notice of a
<br /> defect,lien,or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at
<br /> Date of Policy.
<br /> (b) Any governmental police power not excluded by(a)above,except to the extent that a notice of the exercise thereof or notice of a
<br /> defect,lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at
<br /> Date of Policy.
<br /> 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not
<br /> excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser
<br /> for value without knowledge.
<br /> 3. Defects, liens,encumbrances,adverse claims or other matters:
<br /> (a) whether or not recorded in the public records at Date of Policy, but created,suffered,assumed or agreed to by the insured
<br /> 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
<br /> disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under
<br /> this policy;
<br /> (c) resulting in no loss or damage to the insured claimant;
<br /> (d) attaching or created subsequent to Date of Policy;or
<br /> (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured
<br /> mortgage or for the estate or interest insured by this policy.
<br /> 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy,or the
<br /> inability or failure of any subsequent owner of the indebtedness,to comply with the applicable doing business laws of the state in
<br /> which the land is situated.
<br /> 5. Invalidity or unenforceability of the lien of the insured mortgage,or claim thereof,which arises out of the transaction evidenced by
<br /> the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law.
<br /> 6. Any claim,which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction
<br /> creating the interest of the insured lender,by reason of the operation of federal bankruptcy,state insolvency or similar creditors'
<br /> rights laws.
<br /> EXCEPTIONS FROM COVERAGE-SCHEDULE B, PART I
<br /> This policy does not insure against loss or damage(and the Company will not pay costs,attorneys'fees or expenses)which arise by
<br /> reason of:
<br /> 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments
<br /> 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,whether or not shown by
<br /> 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 ascertained by an inspection of
<br /> the land or which may be asserted by persons in possession thereof.
<br /> 3. 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 correct survey would
<br /> disclose,and which are not shown by the public records.
<br /> 5. (a)Unpatented mining daims;(b)reservations or exceptions in patents or in Acts authorizing the issuance thereof;(c)water rights,
<br /> daims or title to 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 /> First American Title
<br /> Page 11 of 16
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