STG Defect in Title Endorsement 1

This form should not be used if a comparable ALTA version is available. If a comparable ALTA version is available, the most current version of the ALTA form available in each state should be used, unless approved by a Stewart underwriter.

ENDORSEMENT

Attached to Policy No. __________

Issued By

STEWART TITLE GUARANTY COMPANY

Any defect in or unmarketability of the title because of the fact that (prior grantor) did not have record title, color of title or a conveyance of record from the prior record owner of the land. However, the Company insures against loss sustained by reason of a final judgment against the insured awarding title to any third party because of such defect in title and Company agrees to provide defense, in accordance with the Conditions and Stipulations, in connection with any litigation by third parties claiming superior title by reason of such defect in title. The Company further agrees to provide this coverage to future purchasers and lenders of the land provided that (1) neither a claim nor a litigation is then pending (or has previously occurred) in connection with this defect, and (2) Company's self-imposed title insurance risk limitations are not exceed, and (3) regulation does not then prevent such coverage.

THIS ENDORSEMENT MAY NOT BE ISSUED WITHOUT APPROVAL FROM STEWART TITLE GUARANTY UNDERWRITING PERSONNEL

This endorsement is made a part of the policy and is subject to all of the terms and provisions thereof and of any prior endorsements thereto. Except to the extent expressly stated, it neither modifies any of the terms and provisions of the policy and any prior endorsements, nor does it extend the effective date of the policy and any prior endorsements, nor does it increase the face amount thereof.

[Witness clause optional]

For issuing guidelines on this form, see Guidelines