OR Encroachment of Improvements Endorsement 7.12

ENDORSEMENT TO TITLE POLICY

SERIAL NUMBER

No.

Charge $

ISSUED BY

STEWART TITLE GUARANTY COMPANY

HEREIN CALLED THE COMPANY

The Company hereby insures owner of the indebtedness referred to in said policy against loss which said Insured shall sustain by reason of:

1. Encroachments of buildings, structures, or improvements located onto adjoining lands, or any encroachment onto said land of buildings, structures, or improvements located on adjoining lands.

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

The total liability of the Company under said policy and any endorsements therein shall not exceed, in the aggregate, the face amount of said policy and costs which the Company is obligated under the conditions and stipulations thereof to pay.

This endorsement is made a part of said policy and is subject to the schedules, conditions and stipulations therein, except as modified by the provisions thereof.

This Endorsement is made a part of the policy and is subject to all the terms and provisions thereof and of any prior endorsements thereto. Except to the extent expressly stated, this Endorsement 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 prior endorsements, nor does it increase the face amount thereof.

Signed under seal for the Company, but this Endorsement is to be valid only when it bears an authorized countersignature, this the _____ day of __________, 20_____.

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