DE ALTA Short Form Expanded Coverage Residential (Loan Policy - Current Assessments) (7-1-21) (4-1-25)

DE - ALTA SHORT FORM EXPANDED COVERAGE RESIDENTIAL LOAN POLICY -

CURRENT ASSESSMENTS (07-01-2021) AS MODIFIED BY DTIRB (04-01-2025)

FOR ONE-TO-FOUR FAMILY RESIDENTIAL PROPERTY

Issued by

STEWART TITLE GUARANTY COMPANY

Transaction Identification Data, for which the Company assumes no liability as set forth in Condition 9.e.:

Issuing Agent:

Issuing Office:

Issuing Office’s ALTA^® Registry ID:

Loan ID Number:

Issuing Office File Number:

Property Address:                                                                                                                                   

SCHEDULE A

1.         Name of Insured:

2.         Name of Borrower(s):

3.         The estate or interest in the Land identified in Schedule A and which is encumbered by the Insured Mortgage is fee simple and is, at the Date of Policy, vested in the Borrower(s) identified in the Insured Mortgage and named above.

4.         The Land referred to in this policy is described as set forth in the Insured Mortgage.

5.         This policy consists of two page(s), unless an addendum is attached and indicated below:

        Addendum attached

6.         This policy incorporates by reference the DTIRB - 05 (ALTA 8.1) Environmental Protection Lien endorsement.  Paragraph 2.b. of said endorsement refers to the following State statute(s): ____________________

For coverage information or assistance resolving a complaint, call (800) 729-1902 or visit www.stewart.com.  To make a claim, furnish written notice in accordance with information at the bottom of Schedule B.

SUBJECT TO THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B BELOW, AND ANY ADDENDUM ATTACHED HERETO, STEWART TITLE GUARANTY COMPANY, A TEXAS CORPORATION, (THE “COMPANY”), HEREBY INSURES THE INSURED IN ACCORDANCE WITH AND SUBJECT TO THE TERMS, EXCLUSIONS, AND CONDITIONS SET FORTH IN THE AMERICAN LAND TITLE ASSOCIATION (“ALTA”) EXPANDED COVERAGE RESIDENTIAL LOAN POLICY—CURRENT ASSESSMENTS (07-01-2021) AS MODIFIED BY DTIRB (04/01/2023), ALL OF WHICH ARE INCORPORATED HEREIN. ANY REFERENCE TO SCHEDULES A AND B IN THE INCORPORATED POLICY PROVISIONS MEANS SCHEDULES A AND B OF THIS POLICY.

SCHEDULE B

EXCEPTIONS FROM COVERAGE

Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This policy treats any Discriminatory Covenant in a document referenced in Schedule B as if each Discriminatory Covenant is redacted, repudiated, removed, and not republished or recirculated. Only the remaining provisions of the document are excepted from coverage.

Except to the extent of the coverage provided in the endorsements listed in Covered Risk 28, this policy does not insure against loss or damage and the Company will not pay costs, attorneys’ fees, or expenses arising by reason of:

1.      Those taxes and assessments that become due or payable subsequent to the Date of Policy. Exception 1 does not modify or limit the coverage provided in Covered Risk 10.b. or 24.

2.      Covenants, conditions, restrictions, or limitations, if any, appearing in the Public Records. Exception 2 does not include any Discriminatory Covenant. Exception 2 does not modify or limit the coverage provided in Covered Risk 8, 9, 10.c., or 16.

3.      Any easements or servitudes appearing in the Public Records. Exception 3 does not modify or limit the coverage provided in Covered Risk 22 or 23.

4.      Any lease, grant, exception, or reservation of minerals or mineral rights or other subsurface substances appearing in the Public Records. Exception 4 does not modify or limit the coverage provided in Covered Risk 17.

NOTICES, WHERE SENT: Any notice of claim and any other notice or statement in writing required to be given to the Company under this policy must be given to the Company at:  Stewart Title Guaranty Company; Attention: Claims Department,  P.O. Box 2029, Houston, TX  77252-2029.