ALTA Short Form Expanded Coverage Residential Loan Policy 2001

SHORT FORM EXANDED COVERAGE RESIDENTIAL LOAN POLICY

ONE-TO-FOUR FAMILY

Issued by

STEWART TITLE GUARANTY COMPANY

SCHEDULE A

Policy Number: _______________ Loan Number: _______________

File Number: _________________

Amount of Insurance: $ _________ Premium: $ _________________

Mortgage Amount: _____________ Mortgage Date: ______________

Date of Policy: _________________ or the date of recording of the insured mortgage, whichever is later.

Name of Insured:

Name of Borrower(s):

Street Address:

County and State:

The estate or interest in the land identified in this Schedule A and which is encumbered by the insured mortgage is fee simple and is, at Date of Policy, vested in the borrower(s) shown in the insured mortgage and named above.

The land referred to in this policy is described as set forth in the insured mortgage.

This policy consists of one page, including the reverse side hereof, unless and addendum is attached and indicated below:

___ Addendum attached

Signed under seal of the Company, but this policy is to be valid only when it bears an authorized countersignature, this the _________ day of ____________ 20 ___

SUBJECT TO THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B BELOW, AND ANY ADDENDUM ATTACHED HERETO, STEWART TITLE GUARANTY COMPANY, A TEXAS CORPORATION, HEREIN CALLED THE "COMPANY",: HEREBY INSURES THE INSURED IN ACCORDANCE WITH AND SUBJECT TO THE TERMS, EXCLUSIONS, CONDITIONS AND STIPULATIONS SET FORTH IN THE AMERICAN LAND TITLE ASSOCIATION EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (10-13-01), ALL OF WHICH ARE INCORPORATED HEREIN. ALL REFERENCES TO SCHEDULES A AND B SHALL REFER TO SCHEDULES A AND B OF THIS POLICY.

SCHEDULE B

EXCEPTIONS FROM COVERAGE

Except to the extent of the coverage provided in the Endorsements listed after item 28 of COVERED RISKS. This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of:

1.  Those taxes and special assessments, which become due or payable subsequent to Date of Policy. (This does not limit the coverage provided in items 8(e) or 26 of COVERED RISKS)

2.  Covenants, conditions and restrictions, if any, appearing in the public records. (This does not limit the coverage provided in items 5, 6, 8(b), or 23 of COVERED RISKS)

3.  Any easements or servitudes appearing in the public records. (This does not limit the coverage provided in item 8(b) of COVERED RISKS)

4.  Any lease, grant, exception or reservation of minerals or mineral rights appearing in the public records. (This does not limit the coverage provided by item 21 of COVERED RISKS)

NOTICES, WHERE SENT: All notices required to be given the Company and any statement in writing required to be furnished the Company shall include the number of this policy and shall be addressed to the Company, Attention: Claims Department at P.O. Box 2029, Houston, TX 77252-2029.

ADDENDUM TO SHORT FORM EXPANDED COVERAGE RESIDENTIAL LOAN POLICY

Addendum to Policy Number: _________________ File Number: ____________

SCHEDULE B (Continued)

IN ADDITION TO THE MATTERS SET FORTH ON SCHEDULE B OF THE POLICY TO WHICH THIS ADDENDUM IS ATTACHED, THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE BY REASON OF THE FOLLOWING:

For issuing guidelines on this form, see Guidelines