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Exhibit A <br /> HOMEOWNER'S POLICY OF TITLE INSURANCE <br /> EXCLUSIONS <br /> _ In addition to the Exceptions in Schedule B,You are not insured against loss,costs,attorneys fees,and expenses resulting from: <br /> 1. Govemmental police power, and the existence or violation of any law or government regulation. This includes ordinances, laws and <br /> regulations conceming: <br /> a. building <br /> b. zoning <br /> C. Land use <br /> d. improvements on the Land <br /> e. Land division <br /> f. environmental protection <br /> This Exclusion does not apply to violations or the enforcement of these matters if notice of the violation or enforcement appears in the Public <br /> Records at the Policy Date. <br /> This Exclusion does not limit the coverage described in Covered Risk 14, 15, 16, 17 or 24. <br /> 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion <br /> does not apply to violations of building codes if notice of the violation appears in the Public Records at the Policy Date. <br /> 3. The right to take the Land by condemning it,unless: <br /> a. a notice of exercising the right appears in the Public Records at the Policy Date;or <br /> b. the taking happened before the Policy Date and is binding on You if You bought the Land without Knowing of the taking. <br /> 4. Risks: <br /> a, that are created,allowed,or agreed to by You,whether or not they appear in the Public Records; <br /> b. that are Known to You at the Policy Date, but not to Us,unless they appear in the Public Records at the Policy Date; <br /> C that result in no loss to You;or <br /> d. that first occur after the Policy Date-this does not limit the coverage described in Covered Risk 7,8.d, 22, 23, 24 or 25. <br /> 5. Failure to pay value for Your Title. <br /> _ 6. Lack of a right: <br /> a. to any Land outside the area specifically described and referred to in paragraph 3 of Schedule A; and <br /> b. in streets,alleys,or waterways that touch the Land. <br /> This Exclusion does not limit the coverage described in Covered Risk 11 or 18. <br /> LIMITATIONS ON COVERED RISKS <br /> Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows: <br /> For Covered Risk 14, 15, 16, 18,Your Deductible Amount on Our Maximum Dollar Limit of Liability shown in Schedule A. <br /> The deductible amounts and maximum dollar limits shown on Schedule A are as follows: <br /> Your Deductible Amount our Maximum Dollar Limit of Liability <br /> Covered Risk 14: 1.00%of Policy Amount or$2,500.00 $10,000.00 <br /> (whichever is less) <br /> Covered Risk 15: 1.0D%of Policy Amount or$5,000.00 $25,000.00 <br /> (whichever is less) <br /> Covered Risk 16: 1.00%of Policy Amount or$5,000.00 $25,000.00 <br /> (whichever is less) <br /> Covered Risk 18: 1.00%of Policy Amount or$2,500.00 $5,000.00 <br /> (whichever is less) <br /> Page 1 of 3 <br />