CO Owners Comprehensive Endorsement 130

ENDORSEMENT ATTACHED TO AND MADE A PART

OF POLICY OF TITLE INSURANCE

SERIAL NUMBER __________

ISSUED BY

STEWART TITLE GUARANTY COMPANY

HEREIN CALLED THE COMPANY

Order No.:

Provided there is situated on the land described under Schedule A of the Policy a single family residence, the policy is hereby amended as follows:

Notwithstanding anything therein to the contrary, the policy insures against loss or damage by reason of the following:

1. Any unfiled lien for labor or material furnished for improvements on the land (except for any such lien arising out of construction contracted for or assumed by the insured), provided construction of all improvements is completed at date of policy;

2. Rights or claims of parties in possession of the principal dwelling;

3. The enforced removal of the principal dwelling on account of, at Date of Policy:

(a) Any encroachment of said principal dwelling upon adjoining lands or upon any easement shown as an exception in Schedule B or upon any unrecorded subsurface easement.

(b) Any violation of building setback lines or covenants, conditions or restrictions referred to in Schedule B of the Policy.

(c) Any violation of any zoning ordinance if the land is used only for a single family residence.

The term "principal dwelling" means any single family residential structure on the land, whether detached or not. If the principal dwelling is a condominium unit, it refers to the space within the boundaries of the unit. Additional improvements and areas such as out-buildings, detached garages, fences, driveways, retaining walls, plants and common areas are not included within this definition. The term "zoning ordinance" does not include building codes, occupancy regulations and subdivision laws.

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.

Signed under seal for the Company, but this endorsement is to be valid only when it bears an authorized countersignature.

For issuing guidelines on this form, see Guidelines