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<br /> ATTO RN EYS'
<br /> Policy No. 140212014445-01 TITLE
<br /> GUARANTY
<br /> FUND,
<br /> INC.
<br /> CHAMPAIGN, ILLINOIS
<br /> OWNER'S POLICY OF TITLE INSURANCE
<br /> American Land Title Association Owner's Policy—adopted June 17,2006
<br /> Any notice of claim and any other notice or statement in writing required to be given to Attorneys' Title Guaranty Fund,Inc.,
<br /> under this Policy must be given to Attorneys' Title Guaranty Fund,Inc.,at the address shown in Section 18 of the Conditions.
<br /> COVERED RISKS
<br /> SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE
<br /> B, AND THE CONDITIONS, Attorneys' Title Guaranty Fund, Inc., an Illinois corporation ("ATG®")insures, as of Date of Policy
<br /> and, to the extent stated in Covered Risks 9 and 10, after Date of Policy, against loss or damage, not exceeding the Amount of
<br /> Insurance, sustained or incurred by the Insured by reason of
<br /> 1. Title being vested other than as stated in Schedule A.
<br /> 2. Any defect in or lien or encumbrance on the Title. This Covered Risk includes but is not limited to insurance against loss from
<br /> (a) A defect in the Title caused by
<br /> (i) forgery, fraud,undue influence,duress, incompetency,incapacity,or impersonation;
<br /> (ii) failure of any person or Entity to have authorized a transfer or conveyance;
<br /> (iii) a document affecting Title not properly created, executed, witnessed, sealed, acknowledged, notarized, or
<br /> delivered;
<br /> (iv) failure to perform those acts necessary to create a document by electronic means authorized by law;
<br /> (v) a document executed under a falsified,expired,or otherwise invalid power of attorney;
<br /> (vi) a document not properly filed, recorded, or indexed in the Public Records including failure to perform those acts
<br /> by electronic means authorized by law;or
<br /> (vii) a defective judicial or administrative proceeding.
<br /> (b) The lien of real estate taxes or assessments imposed on the Title by a governmental authority due or payable,but unpaid.
<br /> (c) Any encroachment, encumbrance,violation,variation, or adverse circumstance affecting the Title that would be disclosed
<br /> by an accurate and complete land survey of the Land. The term "encroachment" includes encroachments of existing
<br /> improvements located on the Land onto adjoining land, and encroachments onto the Land of existing improvements
<br /> located on adjoining land.
<br /> 3. Unmarketable Title.
<br /> 4. No right of access to and from the Land.
<br /> 5. The violation or enforcement of any law, ordinance,permit,or governmental regulation(including those relating to building and
<br /> zoning)restricting,regulating,prohibiting,or relating to:
<br /> (a) the occupancy,use,or enjoyment of the Land;
<br /> (b) the character,dimensions,or location of any improvement erected on the Land;
<br /> (c) the subdivision of land;or
<br /> (d) environmental protection
<br /> if a notice, describing any part of the Land, is recorded in the Public Records setting forth the violation or intention to enforce,
<br /> but only to the extent of the violation or enforcement referred to in that notice.
<br /> 6. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 5 if a notice of the
<br /> enforcement action, describing any part of the Land, is recorded in the Public Records,but only to the extent of the enforcement
<br /> referred to in that notice.
<br /> ATG FORM 1010-06
<br /> 0 ATG(REV 1112) "ATG"is a registered trademark of Attorneys'Title Guaranty Fund,Inc. Page 1 of 4
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