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COMMONWEALTH LAND TITLE INSURANCE COMPANY

SCHEDULE OF FEES AND CHARGES

STATE OF NEVADA


Effective April 21, 2011 Unless Otherwise Indicated


1 Schedule of Fees of Charges – State of Nevada Effective Date: April 21, 2011

Table of Contents

FOREWORD ..................................................................................................................... 1

TITLE INSURANCE RATES ............................................................................................. 2

SHORT TERM RATE ...................................................................................................... 20

NON-RESIDENTIAL TRANSACTIONS OF $15 MILLION OR MORE .......................... 20

PRIOR POLICY DISCOUNT (Direct operations only) ................................................. 20

MINIMUM CHARGES ..................................................................................................... 20

PART A – OWNER’S INSURANCE ............................................................................... 21 A-1 GENERAL .................................................................................................................... 21 A-2 BASIC CHARGE ......................................................................................................... 21 A-3 OWNER’S OR JOINT PROTECTION POLICY REISSUED .................................... 21 A-4 SEPARATE SALES ..................................................................................................... 22 A-5 TWO OR MORE POLICIES ISSUED OR OWNERSHIPS INSURED

SIMULTANEOUSLY (Common Owner) .................................................................... 22 A-6 OWNER’S POLICY INSURING A TRUSTEE UNDER A TRUST AGREEMENT 22 A-7 RATES BELOW SCHEDULE ..................................................................................... 23 A-8 POLICIES FOR OPTIONEE ........................................................................................ 23 A-9 INSURING VENDEE IN AGREEMENT FOR SALE ................................................ 23 A-10 TRANSFER OF UNDIVIDED INTERESTS .............................................................. 24 A-11 MINERAL INTERESTS .............................................................................................. 24 A-12 SUBMERGED OR TIDE LANDS ............................................................................... 24 A-13 OWNER’ S POLICY FOLLOWING FORECLOSURE, TRUSTEE’ S SALE OR

DEED-IN-LIEU ............................................................................................................ 24 A-14 PURCHASE, IMPROVEMENT, SALE AND LEASE BACK ................................... 26 A-15 SALE OF ONE PARCEL WITH A LOAN ON MORE THAN ONE PARCEL ........ 26 A-16 ADDITIONAL CLTA COVERAGE UNDER OWNER’S INSURANCE .................. 27 A-17 ELIMINATION OF OBJECTIONS FROM OWNER’S POLICY .............................. 27 A-18 HOLDING AGREEMENTS ........................................................................................ 28 A-19 BINDER (CONCURRENT WITH SALE TO INSURE A RESALE) ......................... 28 A-20 CONVERSION OF INSURED LEASEHOLD ESTATE TO FEE TITLE ESTATE . 29 A-21 BINDERS (Concurrent land acquisition and subsequent improvements) .................... 29 A-22 PLANNED PROJECTS ................................................................................................ 30 A-23 COMMERCIAL RATE ................................................................................................ 32 A-24 COMMERCIAL MULTI-PROPERTIES ..................................................................... 33

PART B – LENDER’S INSURANCE .............................................................................. 34 B-1 BASIC CHARGE – LOAN POLICIES ........................................................................ 34 B-2 ADDITIONAL COVERAGES AND REISSUES OF INIT1AL POLICIES............... 35


–State of Nevada Effective Date: April 21, 2011 2

B-3 STANDARD COVERAGE LOAN POLICY ISSUED IN CONJUNCTION WITH AN ALTA POLICY ............................................................................................................ 36

B-4 INTENTIONALLY DELETED ................................................................................... 36 B-5 LOAN ON LEASEHOLD ............................................................................................ 36 B-6 BONDHOLDER’S POLICY ........................................................................................ 36 B-7 CHURCHES OR NON-PROFIT ORGANIZATIONS ................................................ 36 B-8 LOAN POLICY ISSUED FOR REVAMPING OR REPLACING AN INSURED

DEED OF TRUST ........................................................................................................ 36 B-9 ADDITIONAL CLTA COVERAGE UNDER LENDER’S INSURANCE ................ 37 B-10 ADDITIONAL ADVANCES UNDER DEED OF TRUST OR MORTGAGE .......... 38 B-11 MULTIPLE LOANS .................................................................................................... 38 B-12 LOAN POLICY INSURING MODIFICATION OR EXTENSION OF AN INSURED

DEED OF TRUST ........................................................................................................ 38 B-13 LOAN POLICIES INSURING ASSIGNMENTS OF INSURED DEEDS OF TRUST

...................................................................................................................................... 39 B-14 ENDORSEMENT INSURING ASSIGNMENT OF AN INSURED DEED OF TRUST

...................................................................................................................................... 39 B-15 ELIMINATION OF OBJECTIONS FROM LENDER’S POLICY ............................. 40 B-16 LOAN POLICY INSURING DEED OF TRUST WITH LOAN AMOUNT IN

EXCESS OF LAND VALUE ....................................................................................... 40 B-17 DISASTER LOANS ..................................................................................................... 40 B-18 LIMITED COVERAGE LOAN POLICY .................................................................... 41 B-19 INTENTIONAL DELETED and RESERVED FOR FUTURE USE .......................... 41 B-20 ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY ........................ 41 B-21 MASTER EQUITY LINE LOAN POLICY RATES ................................................... 41 B-22 INTENTIONALLY DELETED and RESERVED FOR FUTURE USE. .................... 41 B-23 CENTRALIZED REFINANCE RATES I & II ............................................................ 42

PART C – LEASEHOLD INSURANCE .......................................................................... 45 C-1 COMMERCIAL OR RESIDENTIAL LEASEHOLD ................................................. 45 C-2 OIL, GAS OR MINERAL LEASEHOLDS, BASIC CHARGE .................................. 46 C-3 CONVERSION OF LEASEHOLD ESTATES TO FEE TITLE ESTATES UNDER

RESIDENTIAL SUBDIVISION CONTRACT RATES .............................................. 47

PART D – SUBDIVISION RATES .................................................................................. 48 D-1 BASIC SUBDIVISION RATE ..................................................................................... 48 D-2 BUILDER’S BULK RATE: (Residential Only) ........................................................... 48 D-3 APPLICATION OF SUBDIVISION RATES FOR LENDER’S INSURANCE ON

LOANS OTHER THAN ON-SITE CONSTRUCTION .............................................. 49 D-4 PRIOR CONTRACTS .................................................................................................. 50 D-5 SUBDIVISION OR CONDOMINIUM GUARANTEES ............................................ 50 D-6 AFTER-ACQUIRED PROPERTY .............................................................................. 50 D-7 INTENTIONALLY DELETED ................................................................................... 50



PART E – GUARANTEES .............................................................................................. 51 E-1 TRUSTEE’S SALE GUARANTEE OR LITIGATION GUARANTEE FOR

FORECLOSURE BY JUDICIAL PROCEDURE ........................................................ 51 E-2 REQUEST FOR NOTICE GUARANTEE ................................................................... 52 E-3 COMBINATION GUARANTEE ................................................................................. 52 E-4 LITIGATION GUARANTEE ...................................................................................... 53 E-5 JUDGMENT AND TAX LIEN GUARANTEE........................................................... 53 E-6 MECHANIC’S LIEN GUARANTEE .......................................................................... 53 E-7 PERSONAL PROPERTY ENCUMBRANCE GUARANTEE ................................... 54 E-8 PROPERTY SEARCH GUARANTEE ........................................................................ 54 E-9 RECORD OWNER GUARANTEE ............................................................................. 54 E-10 LOT BOOK GUARANTEE ......................................................................................... 55 E-11 CHAIN OF TITLE GUARANTEE .............................................................................. 55 E-12 BANKRUPTCY GUARANTEE .................................................................................. 56 E-13 RECORDER’S INDEX GUARANTEE ....................................................................... 56 E-14 LIMITED TRUSTEE’S SALE GUARANTEE ............................................................ 56 E-15 MORTGAGE MODIFICATION GUARANTEE ........................................................ 57

PART F – MISCELLANEOUS REPORTS AND OTHER TITLE SERVICES ................ 58 F-1 GOVERNMENTAL CONTRACTS ............................................................................ 58 F-2 MECHANIC’S LIEN INSURANCE ............................................................................ 58 F-3 VACATED STREET OR ALLEY, EASEMENT OR RIGHT-OF-WAY COVERED

IN CONNECTION WITH THE ISSUANCE OF A POLICY ..................................... 58 F-4 EASEMENT AND/OR RIGHTS-OF-WAY ................................................................ 58 F-5 REPORT ON OWNERSHIP OF EASEMENT OR RIGHT-OF-WAY, OR

REVERSIONARY INTEREST IN PROPERTY UNDER SEARCH ......................... 58 F-6 BINDERS (NO CONCURRENT TRANSACTION) ................................................... 59 F-7 POLICY ISSUED ON PROPERTY IN ANOTHER COUNTY .................................. 59 F-8 ELIMINATION OF EXCEPTION OF POSSIBLE MECHANICS’ LIENS ............... 59 F-9 INSPECTION CHARGE .............................................................................................. 59 F-10 RECORDINGS AT ONE-MINUTE INTERVALS ..................................................... 60 F-11 ASSUMPTION OF LIABILITY .................................................................................. 60 F-12 CHARGES FOR SERVICES NOT SCHEDULED HEREIN...................................... 60 F-13 ADDITIONAL PARCEL OR CHAIN OF TITLE CHARGE ..................................... 60 F-14 TAX AND ASSESSMENT EXAMINATION ............................................................. 60 F-15 MINIMUM CHARGES ................................................................................................ 60 F-16 INTENTIONALLY DELETED ................................................................................... 60

PART G – CANCELLATIONS ........................................................................................ 62 G-1 CANCELLATION CHARGE (Preliminary Report) .................................................... 62 G-2 CREDIT FOR REPORTS ON SUBSEQUENT POLICIES ........................................ 62



PART H – ENDORSEMENTS ........................................................................................ 63

PART H – ESCROW FEES AND CHARGES ................................................................ 75

ACCOUNT SERVICING FEES ....................................................................................... 81 ACCEPTANCE AND SET-UP FEES ...................................................................................... 81 STANDARD SERVICE FEES ................................................................................................. 81 FEES FOR ADDITIONAL SERVICES ................................................................................... 82 GENERAL ................................................................................................................................ 83


1 Schedule of Fees of Charges – State of Nevada Effective Date: September 23, 2010

FOREWORD

This Schedule of Fees and Charges has been prepared in compliance with Section 692A.120 of the Insurance Code of the State of Nevada. Its purpose is to show the minimum fees and charges made by this Company for the various types of insurance coverages regularly issued and other services rendered. This Schedule states the charge per unit for the amount of coverage. Additional charges may be made when unusual conditions of title are encountered or when special or unusual risks are insured against, or when special services are rendered in connection with the issuance of a title policy or the providing of escrow services. Additional charges will only be made if each entity obligated to pay all or any part of such charges consents thereto in advance. In computing the charges for insurance or services according to the Basic Schedule, the charges for liability figure between a lower and a higher bracket shall be computed at the rate for the higher bracket. The application of said rates depends upon the services rendered in accordance with the application instructions contained in this Schedule. The Definitions that follow are general in character. They do not modify nor enlarge upon the provisions and conditions of the evidence of title issued by the Company, but are merely for aid in the use of this Schedule.


Schedule of Fees of Charges – State of Nevada Effective Date: July 23, 2010

2

TITLE INSURANCE RATES

Basic Title Insurance Rate Tables

Zone 1: Clark, Lincoln and Nye Counties Zone 2: All other Counties except Clark, Lincoln and Nye Counties

Western Title Company Basic Title Insurance Rate Tables

1. Washoe, Humboldt, Lander and Pershing Counties 2. Carson, Douglas, Storey and Lyon Counties


NEVADA BASIC INSURANCE RATE

ZONE 1 Clark, Lincoln and Nye

(Without Escrow Services)


3

Amount of Insurance Base Rate Amount of Insurance Base Rate

From To Amount From To Amount

Up to $30,000 $340.00 $270,001 $280,000 $1,264.00

$30,001 $40,000 $390.00 $280,001 $290,000 $1,294.00

$40,001 $50,000 $445.00 $290,001 $300,000 $1,320.00

$50,001 $60,000 $498.00 $300,001 $310,000 $1,344.00

$60,001 $70,000 $550.00 $310,001 $320,000 $1,367.00

$70,001 $80,000 $597.00 $320,001 $330,000 $1,390.00

$80,001 $90,000 $640.00 $330,001 $340,000 $1,413.00

$90,001 $100,000 $680.00 $340,001 $350,000 $1,440.00

$100,001 $110,000 $716.00 $350,001 $360,000 $1,474.00

$110,001 $120,000 $750.00 $360,001 $370,000 $1,508.00

$120,001 $130,000 $785.00 $370,001 $380,000 $1,530.00

$130,001 $140,000 $820.00 $380,001 $390,000 $1,554.00

$140,001 $150,000 $855.00 $390,001 $400,000 $1,577.00

$150,001 $160,000 $890.00 $400,001 $410,000 $1,600.00

$160,001 $170,000 $924.00 $410,001 $420,000 $1,623.00

$170,001 $180,000 $965.00 $420,001 $430,000 $1,647.00

$180,001 $190,000 $1,000.00 $430,001 $440,000 $1,670.00

$190,001 $200,000 $1,036.00 $440,001 $450,000 $1,692.00

$200,001 $210,000 $1,065.00 $450,001 $460,000 $1,715.00

$210,001 $220,000 $1,090.00 $460,001 $470,000 $1,738.00

$220,001 $230,000 $1,120.00 $470,001 $480,000 $1,760.00

$230,001 $240,000 $1,150.00 $480,001 $490,000 $1,783.00

$240,001 $250,000 $1,178.00 $490,001 $500,000 $1,805.00

$250,001 $260,000 $1,206.00

$260,001 $270,000 $1,236.00






4

Amount of Insurance Base Rate Amount of Insurance Base Rate

From To Amount From To Amount

$500,001 $510,000 $1,827.00 $750,001 $760,000 $2,382.00

$510,001 $520,000 $1,850.00 $760,001 $770,000 $2,403.00

$520,001 $530,000 $1,874.00 $770,001 $780,000 $2,426.00

$530,001 $540,000 $1,895.00 $780,001 $790,000 $2,450.00

$540,001 $550,000 $1,917.00 $790,001 $800,000 $2,470.00

$550,001 $560,000 $1,940.00 $800,001 $810,000 $2,493.00

$560,001 $570,000 $1,960.00 $810,001 $820,000 $2,514.00

$570,001 $580,000 $1,983.00 $820,001 $830,000 $2,536.00

$580,001 $590,000 $2,004.00 $830,001 $840,000 $2,557.00

$590,001 $600,000 $2,027.00 $840,001 $850,000 $2,580.00

$600,001 $610,000 $2,050.00 $850,001 $860,000 $2,600.00

$610,001 $620,000 $2,070.00 $860,001 $870,000 $2,624.00

$620,001 $630,000 $2,093.00 $870,001 $880,000 $2,645.00

$630,001 $640,000 $2,115.00 $880,001 $890,000 $2,667.00

$640,001 $650,000 $2,138.00 $890,001 $900,000 $2,730.00

$650,001 $660,000 $2,160.00 $900,001 $910,000 $2,770.00

$660,001 $670,000 $2,184.00 $910,001 $920,000 $2,790.00

$670,001 $680,000 $2,206.00 $920,001 $930,000 $2,812.00

$680,001 $690,000 $2,228.00 $930,001 $940,000 $2,833.00

$690,001 $700,000 $2,250.00 $940,001 $950,000 $2,854.00

$700,001 $710,000 $2,270.00 $950,001 $960,000 $2,874.00

$710,001 $720,000 $2,293.00 $960,001 $970,000 $2,890.00

$720,001 $730,000 $2,316.00 $970,001 $980,000 $2,913.00

$730,001 $740,000 $2,338.00 $980,001 $990,000 $2,944.00

$740,001 $750,000 $2,360.00 $990,001 $1,000,000 $2,972.00






5

Amount of Insurance

From To Base Rate

$1,000,001 $5,000,000 Add $20.00 per $10,000 or portion thereof



Over $20,000,000 Add $11.60 per $10,000 or portion thereof



ZONE 2 All Other Counties except Clark, Lincoln and Nye



6

Amount of Insurance Rate

$0.00 - $5000 $367.50 $5000.00 -$10,000.00 $367.50 $11,000.00 $372.75 $12,000.00 $378.00 $13,000.00 $383.25 $14,000.00 $388.50 $15,000.00 $393.75 $16,000.00 $399.00 $17,000.00 $404.25 $18,000.00 $409.50 $19,000.00 $414.75 $20,000.00 $420.00 $21,000.00 $424.20 $22,000.00 $429.45 $23,000.00 $433.65 $24,000.00 $437.85 $25,000.00 $442.05 $26,000.00 $447.30 $27,000.00 $451.50 $28,000.00 $455.70 $29,000.00 $459.90 $30,000.00 $465.15 $31,000.00 $469.35 $32,000.00 $473.55 $33,000.00 $477.75 $34,000.00 $483.00 $35,000.00 $487.20 $36,000.00 $491.40 $37,000.00 $495.60 $38,000.00 $500.85 $39,000.00 $505.05 $40,000.00 $509.25 $41,000.00 $513.45 $42,000.00 $518.70 $43,000.00 $522.90 $44,000.00 $527.10 $45,000.00 $531.30 $46,000.00 $536.55 $47,000.00 $540.75 $48,000.00 $544.95 $49,000.00 $548.10


$50,000.00 $551.25 $51,000.00 $554.40 $52,000.00 $557.55 $53,000.00 $560.70 $54,000.00 $563.85 $55,000.00 $567.00 $56,000.00 $570.15 $57,000.00 $573.30 $58,000.00 $576.45 $59,000.00 $579.60 $60,000.00 $582.75 $61,000.00 $585.90 $62,000.00 $589.05 $63,000.00 $592.20 $64,000.00 $595.35 $65,000.00 $598.50 $66,000.00 $601.65 $67,000.00 $604.80 $68,000.00 $607.95 $69,000.00 $611.10 $70,000.00 $614.25 $71,000.00 $617.40 $72,000.00 $620.55 $73,000.00 $623.70 $74,000.00 $626.85 $75,000.00 $630.00 $76,000.00 $633.15 $77,000.00 $636.30 $78,000.00 $639.45 $79,000.00 $642.60 $80,000.00 $645.75 $81,000.00 $648.90 $82,000.00 $652.05 $83,000.00 $655.20 $84,000.00 $658.35 $85,000.00 $661.50 $86,000.00 $664.65 $87,000.00 $667.80 $88,000.00 $670.95 $89,000.00 $674.10 $90,000.00 $677.25 $91,000.00 $680.40


$92,000.00 $683.55 $93,000.00 $686.70 $94,000.00 $689.85 $95,000.00 $693.00 $96,000.00 $696.15 $97,000.00 $699.30 $98,000.00 $702.45 $99,000.00 $705.60 $100,000.00 $708.75 $101,000.00 $711.90 $102,000.00 $714.00 $103,000.00 $717.15 $104,000.00 $719.25 $105,000.00 $722.40 $106,000.00 $724.50 $107,000.00 $727.65 $108,000.00 $729.75 $109,000.00 $732.90 $110,000.00 $735.00 $111,000.00 $738.15 $112,000.00 $740.25 $113,000.00 $743.40 $114,000.00 $745.50 $115,000.00 $748.65 $116,000.00 $750.75 $117,000.00 $753.90 $118,000.00 $756.00 $119,000.00 $759.15 $120,000.00 $761.25 $121,000.00 $764.40 $122,000.00 $766.50 $123,000.00 $769.65 $124,000.00 $771.75 $125,000.00 $774.90 $126,000.00 $777.00 $127,000.00 $780.15 $128,000.00 $782.25 $129,000.00 $785.40 $130,000.00 $787.50 $131,000.00 $790.65 $132,000.00 $792.75 $133,000.00 $795.90






7


$134,000.00 $798.00 $135,000.00 $801.15 $136,000.00 $803.25 $137,000.00 $806.40 $138,000.00 $808.50 $139,000.00 $811.65 $140,000.00 $813.75 $141,000.00 $816.90 $142,000.00 $819.00 $143,000.00 $822.15 $144,000.00 $824.25 $145,000.00 $827.40 $146,000.00 $829.50 $147,000.00 $832.65 $148,000.00 $834.75 $149,000.00 $837.90 $150,000.00 $840.00 $151,000.00 $843.15 $152,000.00 $845.25 $153,000.00 $848.40 $154,000.00 $850.50 $155,000.00 $853.65 $156,000.00 $855.75 $157,000.00 $858.90 $158,000.00 $861.00 $159,000.00 $864.15 $160,000.00 $866.25 $161,000.00 $869.40 $162,000.00 $871.50 $163,000.00 $874.65 $164,000.00 $876.75 $165,000.00 $879.90 $166,000.00 $882.00 $167,000.00 $885.15 $168,000.00 $887.25 $169,000.00 $890.40 $170,000.00 $892.50 $171,000.00 $895.65 $172,000.00 $897.75 $173,000.00 $900.90 $174,000.00 $903.00 $175,000.00 $906.15 $176,000.00 $908.25


$177,000.00 $911.40 $178,000.00 $913.50 $179,000.00 $916.65 $180,000.00 $918.75 $181,000.00 $921.90 $182,000.00 $924.00 $183,000.00 $927.15 $184,000.00 $929.25 $185,000.00 $932.40 $186,000.00 $934.50 $187,000.00 $937.65 $188,000.00 $939.75 $189,000.00 $942.90 $190,000.00 $945.00 $191,000.00 $948.15 $192,000.00 $950.25 $193,000.00 $953.40 $194,000.00 $955.50 $195,000.00 $958.65 $196,000.00 $960.75 $197,000.00 $963.90 $198,000.00 $966.00 $199,000.00 $969.15 $200,000.00 $971.25 $201,000.00 $973.88 $202,000.00 $976.50 $203,000.00 $979.13 $204,000.00 $981.75 $205,000.00 $984.38 $206,000.00 $987.00 $207,000.00 $989.63 $208,000.00 $992.25 $209,000.00 $994.88 $210,000.00 $997.50 $211,000.00 $1,000.13 $212,000.00 $1,002.75 $213,000.00 $1,005.38 $214,000.00 $1,008.00 $215,000.00 $1,010.63 $216,000.00 $1,013.25 $217,000.00 $1,015.88 $218,000.00 $1,018.50 $219,000.00 $1,021.13


$220,000.00 $1,023.75 $221,000.00 $1,026.38 $222,000.00 $1,029.00 $223,000.00 $1,031.63 $224,000.00 $1,034.25 $225,000.00 $1,036.88 $226,000.00 $1,039.50 $227,000.00 $1,042.13 $228,000.00 $1,044.75 $229,000.00 $1,047.38 $230,000.00 $1,050.00 $231,000.00 $1,052.63 $232,000.00 $1,055.25 $233,000.00 $1,057.88 $234,000.00 $1,060.50 $235,000.00 $1,063.13 $236,000.00 $1,065.75 $237,000.00 $1,068.38 $238,000.00 $1,071.00 $239,000.00 $1,073.63 $240,000.00 $1,076.25 $241,000.00 $1,078.88 $242,000.00 $1,081.50 $243,000.00 $1,084.13 $244,000.00 $1,086.75 $245,000.00 $1,089.38 $246,000.00 $1,092.00 $247,000.00 $1,094.63 $248,000.00 $1,097.25 $249,000.00 $1,099.88 $250,000.00 $1,102.50 $251,000.00 $1,105.13 $252,000.00 $1,107.75 $253,000.00 $1,110.38 $254,000.00 $1,113.00 $255,000.00 $1,115.63 $256,000.00 $1,118.25 $257,000.00 $1,120.88 $258,000.00 $1,123.50 $259,000.00 $1,126.13 $260,000.00 $1,128.75 $261,000.00 $1,131.38 $262,000.00 $1,134.00






8


$263,000.00 $1,136.63 $264,000.00 $1,139.25 $265,000.00 $1,141.88 $266,000.00 $1,144.50 $267,000.00 $1,147.13 $268,000.00 $1,149.75 $269,000.00 $1,152.38 $270,000.00 $1,155.00 $271,000.00 $1,157.63 $272,000.00 $1,160.25 $273,000.00 $1,162.88 $274,000.00 $1,165.50 $275,000.00 $1,168.13 $276,000.00 $1,170.75 $277,000.00 $1,173.38 $278,000.00 $1,176.00 $279,000.00 $1,178.63 $280,000.00 $1,181.25 $281,000.00 $1,183.88 $282,000.00 $1,186.50 $283,000.00 $1,189.13 $284,000.00 $1,191.75 $285,000.00 $1,194.38 $286,000.00 $1,197.00 $287,000.00 $1,199.63 $288,000.00 $1,202.25 $289,000.00 $1,204.88 $290,000.00 $1,207.50 $291,000.00 $1,210.13 $292,000.00 $1,212.75 $293,000.00 $1,215.38 $294,000.00 $1,218.00 $295,000.00 $1,220.63 $296,000.00 $1,223.25 $297,000.00 $1,225.88 $298,000.00 $1,228.50 $299,000.00 $1,231.13 $300,000.00 $1,233.75 $301,000.00 $1,235.80 $302,000.00 $1,237.85 $303,000.00 $1,239.89 $304,000.00 $1,241.94 $305,000.00 $1,243.99


$306,000.00 $1,246.04 $307,000.00 $1,248.08 $308,000.00 $1,250.13 $309,000.00 $1,252.18 $310,000.00 $1,254.23 $311,000.00 $1,256.27 $312,000.00 $1,258.32 $313,000.00 $1,260.37 $314,000.00 $1,262.42 $315,000.00 $1,264.46 $316,000.00 $1,266.51 $317,000.00 $1,268.56 $318,000.00 $1,270.61 $319,000.00 $1,272.65 $320,000.00 $1,274.70 $321,000.00 $1,276.75 $322,000.00 $1,278.80 $323,000.00 $1,280.84 $324,000.00 $1,282.89 $325,000.00 $1,284.94 $326,000.00 $1,286.99 $327,000.00 $1,289.03 $328,000.00 $1,291.08 $329,000.00 $1,293.13 $330,000.00 $1,295.18 $331,000.00 $1,297.22 $332,000.00 $1,299.27 $333,000.00 $1,301.32 $334,000.00 $1,303.37 $335,000.00 $1,305.41 $336,000.00 $1,307.46 $337,000.00 $1,309.51 $338,000.00 $1,311.56 $339,000.00 $1,313.60 $340,000.00 $1,315.65 $341,000.00 $1,317.70 $342,000.00 $1,319.75 $343,000.00 $1,321.79 $344,000.00 $1,323.84 $345,000.00 $1,325.89 $346,000.00 $1,327.94 $347,000.00 $1,329.98 $348,000.00 $1,332.03


$349,000.00 $1,334.08 $350,000.00 $1,336.13 $351,000.00 $1,338.17 $352,000.00 $1,340.22 $353,000.00 $1,342.27 $354,000.00 $1,344.32 $355,000.00 $1,346.36 $356,000.00 $1,348.41 $357,000.00 $1,350.46 $358,000.00 $1,352.51 $359,000.00 $1,354.55 $360,000.00 $1,356.60 $361,000.00 $1,358.65 $362,000.00 $1,360.70 $363,000.00 $1,362.74 $364,000.00 $1,364.79 $365,000.00 $1,366.84 $366,000.00 $1,368.89 $367,000.00 $1,370.93 $368,000.00 $1,372.98 $369,000.00 $1,375.03 $370,000.00 $1,377.08 $371,000.00 $1,379.12 $372,000.00 $1,381.17 $373,000.00 $1,383.22 $374,000.00 $1,385.27 $375,000.00 $1,387.31 $376,000.00 $1,389.36 $377,000.00 $1,391.41 $378,000.00 $1,393.46 $379,000.00 $1,395.50 $380,000.00 $1,397.55 $381,000.00 $1,399.60 $382,000.00 $1,401.65 $383,000.00 $1,403.69 $384,000.00 $1,405.74 $385,000.00 $1,407.79 $386,000.00 $1,409.84 $387,000.00 $1,411.88 $388,000.00 $1,413.93 $389,000.00 $1,415.98 $390,000.00 $1,418.03 $391,000.00 $1,420.07






9


$392,000.00 $1,422.12 $393,000.00 $1,424.17 $394,000.00 $1,426.22 $395,000.00 $1,428.26 $396,000.00 $1,430.31 $397,000.00 $1,432.36 $398,000.00 $1,434.41 $399,000.00 $1,436.45 $400,000.00 $1,438.50 $401,000.00 $1,440.55 $402,000.00 $1,442.60 $403,000.00 $1,444.64 $404,000.00 $1,446.69 $405,000.00 $1,448.74 $406,000.00 $1,450.79 $407,000.00 $1,452.83 $408,000.00 $1,454.88 $409,000.00 $1,456.93 $410,000.00 $1,458.98 $411,000.00 $1,461.02 $412,000.00 $1,463.07 $413,000.00 $1,465.12 $414,000.00 $1,467.17 $415,000.00 $1,469.21 $416,000.00 $1,471.26 $417,000.00 $1,473.31 $418,000.00 $1,475.36 $419,000.00 $1,477.40 $420,000.00 $1,479.45 $421,000.00 $1,481.50 $422,000.00 $1,483.55 $423,000.00 $1,485.59 $424,000.00 $1,487.64 $425,000.00 $1,489.69 $426,000.00 $1,491.74 $427,000.00 $1,493.78 $428,000.00 $1,495.83 $429,000.00 $1,497.88 $430,000.00 $1,499.93 $431,000.00 $1,501.97 $432,000.00 $1,504.02 $433,000.00 $1,506.07 $434,000.00 $1,508.12


$435,000.00 $1,510.16 $436,000.00 $1,512.21 $437,000.00 $1,514.26 $438,000.00 $1,516.31 $439,000.00 $1,518.35 $440,000.00 $1,520.40 $441,000.00 $1,522.45 $442,000.00 $1,524.50 $443,000.00 $1,526.54 $444,000.00 $1,528.59 $445,000.00 $1,530.64 $446,000.00 $1,532.69 $447,000.00 $1,534.73 $448,000.00 $1,536.78 $449,000.00 $1,538.83 $450,000.00 $1,540.88 $451,000.00 $1,542.92 $452,000.00 $1,544.97 $453,000.00 $1,547.02 $454,000.00 $1,549.07 $455,000.00 $1,551.11 $456,000.00 $1,553.16 $457,000.00 $1,555.21 $458,000.00 $1,557.26 $459,000.00 $1,559.30 $460,000.00 $1,561.35 $461,000.00 $1,563.40 $462,000.00 $1,565.45 $463,000.00 $1,567.49 $464,000.00 $1,569.54 $465,000.00 $1,571.59 $466,000.00 $1,573.64 $467,000.00 $1,575.68 $468,000.00 $1,577.73 $469,000.00 $1,579.78 $470,000.00 $1,581.83 $471,000.00 $1,583.87 $472,000.00 $1,585.92 $473,000.00 $1,587.97 $474,000.00 $1,590.02 $475,000.00 $1,592.06 $476,000.00 $1,594.11 $477,000.00 $1,596.16


$478,000.00 $1,598.21 $479,000.00 $1,600.25 $480,000.00 $1,602.30 $481,000.00 $1,604.35 $482,000.00 $1,606.40 $483,000.00 $1,608.44 $484,000.00 $1,610.49 $485,000.00 $1,612.54 $486,000.00 $1,614.59 $487,000.00 $1,616.63 $488,000.00 $1,618.68 $489,000.00 $1,620.73 $490,000.00 $1,622.78 $491,000.00 $1,624.82 $492,000.00 $1,626.87 $493,000.00 $1,628.92 $494,000.00 $1,630.97 $495,000.00 $1,633.01 $496,000.00 $1,635.06 $497,000.00 $1,637.11 $498,000.00 $1,639.16 $499,000.00 $1,641.20 $500,000.00 $1,643.25 $501,000.00 $1,645.30 $502,000.00 $1,647.35 $503,000.00 $1,649.39 $504,000.00 $1,651.44 $505,000.00 $1,653.49 $506,000.00 $1,655.54 $507,000.00 $1,657.58 $508,000.00 $1,659.63 $509,000.00 $1,661.68 $510,000.00 $1,663.73 $511,000.00 $1,665.77 $512,000.00 $1,667.82 $513,000.00 $1,669.87 $514,000.00 $1,671.92 $515,000.00 $1,673.96 $516,000.00 $1,676.01 $517,000.00 $1,678.06 $518,000.00 $1,680.11 $519,000.00 $1,682.15 $520,000.00 $1,684.20






10


$521,000.00 $1,686.25 $522,000.00 $1,688.30 $523,000.00 $1,690.34 $524,000.00 $1,692.39 $525,000.00 $1,694.44 $526,000.00 $1,696.49 $527,000.00 $1,698.53 $528,000.00 $1,700.58 $529,000.00 $1,702.63 $530,000.00 $1,704.68 $531,000.00 $1,706.72 $532,000.00 $1,708.77 $533,000.00 $1,710.82 $534,000.00 $1,712.87 $535,000.00 $1,714.91 $536,000.00 $1,716.96 $537,000.00 $1,719.01 $538,000.00 $1,721.06 $539,000.00 $1,723.10 $540,000.00 $1,725.15 $541,000.00 $1,727.20 $542,000.00 $1,729.25 $543,000.00 $1,731.29 $544,000.00 $1,733.34 $545,000.00 $1,735.39 $546,000.00 $1,737.44 $547,000.00 $1,739.48 $548,000.00 $1,741.53 $549,000.00 $1,743.58 $550,000.00 $1,745.63 $551,000.00 $1,747.67 $552,000.00 $1,749.72 $553,000.00 $1,751.77 $554,000.00 $1,753.82 $555,000.00 $1,755.86 $556,000.00 $1,757.91 $557,000.00 $1,759.96 $558,000.00 $1,762.01 $559,000.00 $1,764.05 $560,000.00 $1,766.10 $561,000.00 $1,768.15 $562,000.00 $1,770.20 $563,000.00 $1,772.24


$564,000.00 $1,774.29 $565,000.00 $1,776.34 $566,000.00 $1,778.39 $567,000.00 $1,780.43 $568,000.00 $1,782.48 $569,000.00 $1,784.53 $570,000.00 $1,786.58 $571,000.00 $1,788.62 $572,000.00 $1,790.67 $573,000.00 $1,792.72 $574,000.00 $1,794.77 $575,000.00 $1,796.81 $576,000.00 $1,798.86 $577,000.00 $1,800.91 $578,000.00 $1,802.96 $579,000.00 $1,805.00 $580,000.00 $1,807.05 $581,000.00 $1,809.10 $582,000.00 $1,811.15 $583,000.00 $1,813.19 $584,000.00 $1,815.24 $585,000.00 $1,817.29 $586,000.00 $1,819.34 $587,000.00 $1,821.38 $588,000.00 $1,823.43 $589,000.00 $1,825.48 $590,000.00 $1,827.53 $591,000.00 $1,829.57 $592,000.00 $1,831.62 $593,000.00 $1,833.67 $594,000.00 $1,835.72 $595,000.00 $1,837.76 $596,000.00 $1,839.81 $597,000.00 $1,841.86 $598,000.00 $1,843.91 $599,000.00 $1,845.95 $600,000.00 $1,848.00 $601,000.00 $1,850.05 $602,000.00 $1,852.10 $603,000.00 $1,854.14 $604,000.00 $1,856.19 $605,000.00 $1,858.24 $606,000.00 $1,860.29


$607,000.00 $1,862.33 $608,000.00 $1,864.38 $609,000.00 $1,866.43 $610,000.00 $1,868.48 $611,000.00 $1,870.52 $612,000.00 $1,872.57 $613,000.00 $1,874.62 $614,000.00 $1,876.67 $615,000.00 $1,878.71 $616,000.00 $1,880.76 $617,000.00 $1,882.81 $618,000.00 $1,884.86 $619,000.00 $1,886.90 $620,000.00 $1,888.95 $621,000.00 $1,891.00 $622,000.00 $1,893.05 $623,000.00 $1,895.09 $624,000.00 $1,897.14 $625,000.00 $1,899.19 $626,000.00 $1,901.24 $627,000.00 $1,903.28 $628,000.00 $1,905.33 $629,000.00 $1,907.38 $630,000.00 $1,909.43 $631,000.00 $1,911.47 $632,000.00 $1,913.52 $633,000.00 $1,915.57 $634,000.00 $1,917.62 $635,000.00 $1,919.66 $636,000.00 $1,921.71 $637,000.00 $1,923.76 $638,000.00 $1,925.81 $639,000.00 $1,927.85 $640,000.00 $1,929.90 $641,000.00 $1,931.95 $642,000.00 $1,934.00 $643,000.00 $1,936.04 $644,000.00 $1,938.09 $645,000.00 $1,940.14 $646,000.00 $1,942.19 $647,000.00 $1,944.23 $648,000.00 $1,946.28 $649,000.00 $1,948.33






11


$650,000.00 $1,950.38 $651,000.00 $1,952.42 $652,000.00 $1,954.47 $653,000.00 $1,956.52 $654,000.00 $1,958.57 $655,000.00 $1,960.61 $656,000.00 $1,962.66 $657,000.00 $1,964.71 $658,000.00 $1,966.76 $659,000.00 $1,968.80 $660,000.00 $1,970.85 $661,000.00 $1,972.90 $662,000.00 $1,974.95 $663,000.00 $1,976.99 $664,000.00 $1,979.04 $665,000.00 $1,981.09 $666,000.00 $1,983.14 $667,000.00 $1,985.18 $668,000.00 $1,987.23 $669,000.00 $1,989.28 $670,000.00 $1,991.33 $671,000.00 $1,993.37 $672,000.00 $1,995.42 $673,000.00 $1,997.47 $674,000.00 $1,999.52 $675,000.00 $2,001.56 $676,000.00 $2,003.61 $677,000.00 $2,005.66 $678,000.00 $2,007.71 $679,000.00 $2,009.75 $680,000.00 $2,011.80 $681,000.00 $2,013.85 $682,000.00 $2,015.90 $683,000.00 $2,017.94 $684,000.00 $2,019.99 $685,000.00 $2,022.04 $686,000.00 $2,024.09 $687,000.00 $2,026.13 $688,000.00 $2,028.18 $689,000.00 $2,030.23 $690,000.00 $2,032.28 $691,000.00 $2,034.32 $692,000.00 $2,036.37


$693,000.00 $2,038.42 $694,000.00 $2,040.47 $695,000.00 $2,042.51 $696,000.00 $2,044.56 $697,000.00 $2,046.61 $698,000.00 $2,048.66 $699,000.00 $2,050.70 $700,000.00 $2,052.75 $701,000.00 $2,054.80 $702,000.00 $2,056.85 $703,000.00 $2,058.89 $704,000.00 $2,060.94 $705,000.00 $2,062.99 $706,000.00 $2,065.04 $707,000.00 $2,067.08 $708,000.00 $2,069.13 $709,000.00 $2,071.18 $710,000.00 $2,073.23 $711,000.00 $2,075.27 $712,000.00 $2,077.32 $713,000.00 $2,079.37 $714,000.00 $2,081.42 $715,000.00 $2,083.46 $716,000.00 $2,085.51 $717,000.00 $2,087.56 $718,000.00 $2,089.61 $719,000.00 $2,091.65 $720,000.00 $2,093.70 $721,000.00 $2,095.75 $722,000.00 $2,097.80 $723,000.00 $2,099.84 $724,000.00 $2,101.89 $725,000.00 $2,103.94 $726,000.00 $2,105.99 $727,000.00 $2,108.03 $728,000.00 $2,110.08 $729,000.00 $2,112.13 $730,000.00 $2,114.18 $731,000.00 $2,116.22 $732,000.00 $2,118.27 $733,000.00 $2,120.32 $734,000.00 $2,122.37 $735,000.00 $2,124.41


$736,000.00 $2,126.46 $737,000.00 $2,128.51 $738,000.00 $2,130.56 $739,000.00 $2,132.60 $740,000.00 $2,134.65 $741,000.00 $2,136.70 $742,000.00 $2,138.75 $743,000.00 $2,140.79 $744,000.00 $2,142.84 $745,000.00 $2,144.89 $746,000.00 $2,146.94 $747,000.00 $2,148.98 $748,000.00 $2,151.03 $749,000.00 $2,153.08 $750,000.00 $2,155.13 $751,000.00 $2,157.17 $752,000.00 $2,159.22 $753,000.00 $2,161.27 $754,000.00 $2,163.32 $755,000.00 $2,165.36 $756,000.00 $2,167.41 $757,000.00 $2,169.46 $758,000.00 $2,171.51 $759,000.00 $2,173.55 $760,000.00 $2,175.60 $761,000.00 $2,177.65 $762,000.00 $2,179.70 $763,000.00 $2,181.74 $764,000.00 $2,183.79 $765,000.00 $2,185.84 $766,000.00 $2,187.89 $767,000.00 $2,189.93 $768,000.00 $2,191.98 $769,000.00 $2,194.03 $770,000.00 $2,196.08 $771,000.00 $2,198.12 $772,000.00 $2,200.17 $773,000.00 $2,202.22 $774,000.00 $2,204.27 $775,000.00 $2,206.31 $776,000.00 $2,208.36 $777,000.00 $2,210.41 $778,000.00 $2,212.46






12


$779,000.00 $2,214.50 $780,000.00 $2,216.55 $781,000.00 $2,218.60 $782,000.00 $2,220.65 $783,000.00 $2,222.69 $784,000.00 $2,224.74 $785,000.00 $2,226.79 $786,000.00 $2,228.84 $787,000.00 $2,230.88 $788,000.00 $2,232.93 $789,000.00 $2,234.98 $790,000.00 $2,237.03 $791,000.00 $2,239.07 $792,000.00 $2,241.12 $793,000.00 $2,243.17 $794,000.00 $2,245.22 $795,000.00 $2,247.26 $796,000.00 $2,249.31 $797,000.00 $2,251.36 $798,000.00 $2,253.41 $799,000.00 $2,255.45 $800,000.00 $2,257.50 $801,000.00 $2,259.55 $802,000.00 $2,261.60 $803,000.00 $2,263.64 $804,000.00 $2,265.69 $805,000.00 $2,267.74 $806,000.00 $2,269.79 $807,000.00 $2,271.83 $808,000.00 $2,273.88 $809,000.00 $2,275.93 $810,000.00 $2,277.98 $811,000.00 $2,280.02 $812,000.00 $2,282.07 $813,000.00 $2,284.12 $814,000.00 $2,286.17 $815,000.00 $2,288.21 $816,000.00 $2,290.26 $817,000.00 $2,292.31 $818,000.00 $2,294.36 $819,000.00 $2,296.40 $820,000.00 $2,298.45 $821,000.00 $2,300.50


$822,000.00 $2,302.55 $823,000.00 $2,304.59 $824,000.00 $2,306.64 $825,000.00 $2,308.69 $826,000.00 $2,310.74 $827,000.00 $2,312.78 $828,000.00 $2,314.83 $829,000.00 $2,316.88 $830,000.00 $2,318.93 $831,000.00 $2,320.97 $832,000.00 $2,323.02 $833,000.00 $2,325.07 $834,000.00 $2,327.12 $835,000.00 $2,329.16 $836,000.00 $2,331.21 $837,000.00 $2,333.26 $838,000.00 $2,335.31 $839,000.00 $2,337.35 $840,000.00 $2,339.40 $841,000.00 $2,341.45 $842,000.00 $2,343.50 $843,000.00 $2,345.54 $844,000.00 $2,347.59 $845,000.00 $2,349.64 $846,000.00 $2,351.69 $847,000.00 $2,353.73 $848,000.00 $2,355.78 $849,000.00 $2,357.83 $850,000.00 $2,359.88 $851,000.00 $2,361.92 $852,000.00 $2,363.97 $853,000.00 $2,366.02 $854,000.00 $2,368.07 $855,000.00 $2,370.11 $856,000.00 $2,372.16 $857,000.00 $2,374.21 $858,000.00 $2,376.26 $859,000.00 $2,378.30 $860,000.00 $2,380.35 $861,000.00 $2,382.40 $862,000.00 $2,384.45 $863,000.00 $2,386.49 $864,000.00 $2,388.54


$865,000.00 $2,390.59 $866,000.00 $2,392.64 $867,000.00 $2,394.68 $868,000.00 $2,396.73 $869,000.00 $2,398.78 $870,000.00 $2,400.83 $871,000.00 $2,402.87 $872,000.00 $2,404.92 $873,000.00 $2,406.97 $874,000.00 $2,409.02 $875,000.00 $2,411.06 $876,000.00 $2,413.11 $877,000.00 $2,415.16 $878,000.00 $2,417.21 $879,000.00 $2,419.25 $880,000.00 $2,421.30 $881,000.00 $2,423.35 $882,000.00 $2,425.40 $883,000.00 $2,427.44 $884,000.00 $2,429.49 $885,000.00 $2,431.54 $886,000.00 $2,433.59 $887,000.00 $2,435.63 $888,000.00 $2,437.68 $889,000.00 $2,439.73 $890,000.00 $2,441.78 $891,000.00 $2,443.82 $892,000.00 $2,445.87 $893,000.00 $2,447.92 $894,000.00 $2,449.97 $895,000.00 $2,452.01 $896,000.00 $2,454.06 $897,000.00 $2,456.11 $898,000.00 $2,458.16 $899,000.00 $2,460.20 $900,000.00 $2,462.25 $901,000.00 $2,464.30 $902,000.00 $2,466.35 $903,000.00 $2,468.39 $904,000.00 $2,470.44 $905,000.00 $2,472.49 $906,000.00 $2,474.54 $907,000.00 $2,476.58






13


$908,000.00 $2,478.63 $909,000.00 $2,480.68 $910,000.00 $2,482.73 $911,000.00 $2,484.77 $912,000.00 $2,486.82 $913,000.00 $2,488.87 $914,000.00 $2,490.92 $915,000.00 $2,492.96 $916,000.00 $2,495.01 $917,000.00 $2,497.06 $918,000.00 $2,499.11 $919,000.00 $2,501.15 $920,000.00 $2,503.20 $921,000.00 $2,505.25 $922,000.00 $2,507.30 $923,000.00 $2,509.34 $924,000.00 $2,511.39 $925,000.00 $2,513.44 $926,000.00 $2,515.49 $927,000.00 $2,517.53 $928,000.00 $2,519.58 $929,000.00 $2,521.63 $930,000.00 $2,523.68 $931,000.00 $2,525.72 $932,000.00 $2,527.77 $933,000.00 $2,529.82 $934,000.00 $2,531.87 $935,000.00 $2,533.91 $936,000.00 $2,535.96 $937,000.00 $2,538.01 $938,000.00 $2,540.06


$939,000.00 $2,542.10 $940,000.00 $2,544.15 $941,000.00 $2,546.20 $942,000.00 $2,548.25 $943,000.00 $2,550.29 $944,000.00 $2,552.34 $945,000.00 $2,554.39 $946,000.00 $2,556.44 $947,000.00 $2,558.48 $948,000.00 $2,560.53 $949,000.00 $2,562.58 $950,000.00 $2,564.63 $951,000.00 $2,566.67 $952,000.00 $2,568.72 $953,000.00 $2,570.77 $954,000.00 $2,572.82 $955,000.00 $2,574.86 $956,000.00 $2,576.91 $957,000.00 $2,578.96 $958,000.00 $2,581.01 $959,000.00 $2,583.05 $960,000.00 $2,585.10 $961,000.00 $2,587.15 $962,000.00 $2,589.20 $963,000.00 $2,591.24 $964,000.00 $2,593.29 $965,000.00 $2,595.34 $966,000.00 $2,597.39 $967,000.00 $2,599.43 $968,000.00 $2,601.48 $969,000.00 $2,603.53


$970,000.00 $2,605.58 $971,000.00 $2,607.62 $972,000.00 $2,609.67 $973,000.00 $2,611.72 $974,000.00 $2,613.77 $975,000.00 $2,615.81 $976,000.00 $2,617.86 $977,000.00 $2,619.91 $978,000.00 $2,621.96 $979,000.00 $2,624.00 $980,000.00 $2,626.05 $981,000.00 $2,628.10 $982,000.00 $2,630.15 $983,000.00 $2,632.19 $984,000.00 $2,634.24 $985,000.00 $2,636.29 $986,000.00 $2,638.34 $987,000.00 $2,640.38 $988,000.00 $2,642.43 $989,000.00 $2,644.48 $990,000.00 $2,646.53 $991,000.00 $2,648.57 $992,000.00 $2,650.62 $993,000.00 $2,652.67 $994,000.00 $2,654.72 $995,000.00 $2,656.76 $996,000.00 $2,658.81 $997,000.00 $2,660.86 $998,000.00 $2,662.91 $999,000.00 $2,664.95

$1,000,000.00 $2,667.00 For each $1,000 or fraction thereof above $1,000,000.00 To and including $5,000,000.00, add .............. $1.78 To and including $10,000,000, add ................. $1.57 To and including $20,000,000, add ................. $1.26 Over $20,000,000, add ................................... $1.05



14

WESTERN TITLE COMPANY, INC. BASIC INSURANCE RATE

FOR WASHOE, HUMBOLDT, LANDER AND PERSHING COUNTIES

Amount of Amount of Amount of Insurance Rate Insurance Rate Insurance Rate $10,000 $300 $50,000 $435 $90,000 $570 $11,000 $304 $51,000 $439 $91,000 $574 $12,000 $307 $52,000 $442 $92,000 $577 $13,000 $311 $53,000 $446 $93,000 $581 $14,000 $314 $54,000 $449 $94,000 $584 $15,000 $317 $55,000 $452 $95,000 $587 $16,000 $321 $56,000 $456 $96,000 $591 $17,000 $324 $57,000 $459 $97,000 $594 $18,000 $327 $58,000 $462 $98,000 $597 $19,000 $331 $59,000 $466 $99,000 $601 $20,000 $334 $60,000 $469 $100,000 $604 $21,000 $338 $61,000 $473 $101,000 $608 $22,000 $341 $62,000 $476 $102,000 $611 $23,000 $344 $63,000 $479 $103,000 $614 $24,000 $348 $64,000 $483 $104,000 $618 $25,000 $351 $65,000 $486 $105,000 $621 $26,000 $354 $66,000 $489 $106,000 $624 $27,000 $358 $67,000 $493 $107,000 $628 $28,000 $361 $68,000 $496 $108,000 $631 $29,000 $365 $69,000 $500 $109,000 $635 $30,000 $368 $70,000 $503 $110,000 $638 $31,000 $371 $71,000 $506 $111,000 $641 $32,000 $375 $72,000 $510 $112,000 $645 $33,000 $378 $73,000 $513 $113,000 $648 $34,000 $381 $74,000 $516 $114,000 $651 $35,000 $385 $75,000 $520 $115,000 $655 $36,000 $388 $76,000 $523 $116,000 $658 $37,000 $392 $77,000 $527 $117,000 $662 $38,000 $395 $78,000 $530 $118,000 $665 $39,000 $398 $79,000 $533 $119,000 $668 $40,000 $402 $80,000 $537 $120,000 $672 $41,000 $405 $81,000 $540 $121,000 $675 $42,000 $408 $82,000 $543 $122,000 $678 $43,000 $412 $83,000 $547 $123,000 $682 $44,000 $415 $84,000 $550 $124,000 $685 $45,000 $419 $85,000 $554 $125,000 $689 $46,000 $422 $86,000 $557 $126,000 $692 $47,000 $425 $87,000 $560 $127,000 $695 $48,000 $429 $88,000 $564 $128,000 $699 $49,000 $432 $89,000 $567 $129,000 $702



15

Amount of Amount of Amount of Insurance Rate Insurance Rate Insurance Rate

$130,000 $705 $172,000 $847 $217,000 $999 $131,000 $709 $173,000 $851 $218,000 $1,002 $132,000 $712 $174,000 $854 $219,000 $1,006 $133,000 $716 $178,000 $867 $223,000 $1,019 $134,000 $719 $179,000 $871 $224,000 $1,023 $135,000 $722 $180,000 $874 $225,000 $1,026 $136,000 $726 $181,000 $878 $226,000 $1,029 $137,000 $729 $182,000 $881 $227,000 $1,033 $138,000 $732 $183,000 $884 $228,000 $1,036 $139,000 $739 $184,000 $888 $229,000 $1,040 $140,000 $739 $185,000 $891 $230,000 $1,043 $141,000 $743 $186,000 $894 $231,000 $1,046 $142,000 $746 $187,000 $898 $232,000 $1,050 $143,000 $749 $188,000 $901 $233,000 $1,053 $144,000 $753 $189,000 $905 $234,000 $1,056 $145,000 $756 $190,000 $908 $235,000 $1,060 $146,000 $759 $191,000 $911 $236,000 $1,063 $147,000 $763 $192,000 $915 $237,000 $1,067 $148,000 $766 $193,000 $918 $238,000 $1,070 $149,000 $770 $194,000 $921 $239,000 $1,073 $150,000 $773 $195,000 $925 $240,000 $1,077 $151,000 $776 $196,000 $928 $241,000 $1,080 $152,000 $780 $197,000 $932 $242,000 $1,083 $153,000 $783 $198,000 $935 $243,000 $1,087 $154,000 $786 $199,000 $938 $244,000 $1,090 $155,000 $790 $200,000 $942 $245,000 $1,094 $156,000 $793 $201,000 $945 $246,000 $1,097 $157,000 $797 $202,000 $948 $247,000 $1,100 $158,000 $800 $203,000 $952 $248,000 $1,104 $159,000 $803 $204,000 $955 $249,000 $1,107 $160,000 $807 $205,000 $959 $250,000 $1,110 $161,000 $810 $206,000 $962 $162,000 $813 $207,000 $965 $163,000 $817 $208,000 $969 $164,000 $820 $209,000 $972 $165,000 $824 $210,000 $975 $166,000 $827 $211,000 $979 $167,000 $830 $212,000 $982 $168,000 $834 $213,000 $986 $169,000 $837 $214,000 $989 $170,000 $840 $215,000 $992 $171,000 $844 $216,000 $996



16

For each $1,000 or fraction thereof above $250,000 Add $2.00 per $1,000 up to and including $500,000 Add $1.95 per $1,000 up to and including $1,000,000 Add $1.90 per $1,000 up to and including $2,000,000 Add $1.85 per $1,000 up to and including $4,000,000 Add $1.80 per $1,000 up to and including $8,000,000 Add $1.75 per $1,000 up to and including $16,000,000 Add $1.20 per $1,000 and over $16,000,000



WESTERN TITLE COMPANY, INC. BASIC INSURANCE RATE

FOR CARSON, DOUGLAS, STOREY, AND LYON COUNTIES

Amount of Amount of Amount of Insurance Rate Insurance Rate Insurance Rate $10,000 $245 $50,000 $380 $90,000 $515 $11,000 $249 $51,000 $384 $91,000 $519 $12,000 $252 $52,000 $387 $92,000 $522 $13,000 $255 $53,000 $390 $93,000 $525 $14,000 $259 $54,000 $394 $94,000 $529 $15,000 $262 $55,000 $397 $95,000 $532 $16,000 $265 $56,000 $400 $96,000 $535 $17,000 $269 $57,000 $404 $97,000 $539 $18,000 $272 $58,000 $407 $98,000 $542 $19,000 $276 $59,000 $411 $99,000 $546 $20,000 $279 $60,000 $414 $100,000 $549 $21,000 $282 $61,000 $417 $101,000 $552 $22,000 $286 $62,000 $421 $102,000 $556 $23,000 $289 $63,000 $424 $103,000 $559 $24,000 $292 $64,000 $427 $104,000 $562 $25,000 $296 $65,000 $431 $105,000 $566 $26,000 $299 $66,000 $434 $106,000 $569 $27,000 $303 $67,000 $438 $107,000 $573 $28,000 $306 $68,000 $441 $108,000 $576 $29,000 $309 $69,000 $444 $109,000 $579 $30,000 $313 $70,000 $448 $110,000 $583 $31,000 $316 $71,000 $451 $111,000 $586 $32,000 $319 $72,000 $454 $112,000 $589 $33,000 $323 $73,000 $458 $113,000 $593 $34,000 $326 $74,000 $461 $114,000 $596 $35,000 $330 $75,000 $465 $115,000 $600 $36,000 $333 $76,000 $468 $116,000 $603 $37,000 $336 $77,000 $471 $117,000 $606 $38,000 $340 $78,000 $475 $118,000 $610 $39,000 $343 $79,000 $478 $119,000 $613 $40,000 $346 $80,000 $481 $120,000 $616 $41,000 $350 $81,000 $485 $121,000 $620 $42,000 $353 $82,000 $488 $122,000 $623 $43,000 $357 $83,000 $492 $123,000 $627 $44,000 $360 $84,000 $495 $124,000 $630 $45,000 $363 $85,000 $498 $125,000 $633 $46,000 $367 $86,000 $502 $126,000 $637 $47,000 $370 $87,000 $505 $127,000 $640 $48,000 $373 $88,000 $508 $128,000 $643 $49,000 $377 $89,000 $512 $129,000 $647



18

Amount of Amount of Amount of Insurance Rate Insurance Rate Insurance Rate $130,000 $650 $177,000 $809 $224,000 $967 $131,000 $654 $178,000 $812 $225,000 $971 $132,000 $657 $179,000 $816 $226,000 $974 $133,000 $660 $180,000 $819 $227,000 $978 $134,000 $664 $181,000 $822 $228,000 $981 $135,000 $667 $182,000 $826 $229,000 $984 $136,000 $670 $183,000 $829 $230,000 $988 $137,000 $674 $184,000 $832 $231,000 $991 $138,000 $677 $185,000 $836 $232,000 $994 $139,000 $681 $186,000 $839 $233,000 $998 $140,000 $684 $187,000 $843 $234,000 $1,001 $141,000 $687 $188,000 $846 $235,000 $1,005 $142,000 $691 $189,000 $849 $236,000 $1,008 $143,000 $694 $190,000 $853 $237,000 $1,011 $144,000 $697 $191,000 $856 $238,000 $1,015 $145,000 $701 $192,000 $859 $239,000 $1,018 $146,000 $704 $193,000 $863 $240,000 $1,021 $147,000 $708 $194,000 $866 $241,000 $1,025 $148,000 $711 $195,000 $870 $242,000 $1,028 $149,000 $714 $196,000 $873 $243,000 $1,032 $150,000 $718 $197,000 $876 $244,000 $1,035 $151,000 $721 $198,000 $880 $245,000 $1,038 $152,000 $724 $199,000 $883 $246,000 $1,042 $153,000 $728 $200,000 $886 $247,000 $1,045 $154,000 $731 $201,000 $890 $248,000 $1,048 $155,000 $735 $202,000 $893 $249,000 $1,052 $156,000 $738 $203,000 $897 $250,000 $1,055 $157,000 $741 $204,000 $900 $158,000 $745 $205,000 $903 $159,000 $748 $206,000 $907 $160,000 $751 $207,000 $910 $161,000 $755 $208,000 $913 $162,000 $758 $209,000 $917 $163,000 $762 $210,000 $920 $164,000 $765 $211,000 $924 $165,000 $768 $212,000 $927 $166,000 $772 $213,000 $930 $167,000 $775 $214,000 $934 $168,000 $778 $215,000 $937 $169,000 $782 $216,000 $940 $170,000 $785 $217,000 $944 $171,000 $789 $218,000 $947 $172,000 $792 $219,000 $951 $173,000 $795 $220,000 $954 $174,000 $799 $221,000 $957 $175,000 $802 $222,000 $961 $176,000 $805 $223,000 $964

For each $1,000 or fraction thereof above $250,000



19

Add $1.95 per $1,000 up to and including $500,000 Add $1.90 per $1,000 up to and including $1,000,000 Add $1.85 per $1,000 up to and including $2,000,000

Add $1.80 per $1,000 up to and including $4,000,000 Add $1.75 per $1,000 up to and including $8,000,000 Add $1.70 per $1,000 up to and including $16,000,000 Add $1.20 per $1,000 over $16,000,000



SHORT TERM RATE

If a grantor, lessor, borrower or assignor has been insured under a CLTA or ALTA form of policy within 60 months of placing a current title order, that applicant will be entitled to a reduction from Basic Insurance Rate (Guarantees excluded) as indicated below. The Short Term Rate shall not apply to any premium that would result in a lesser charge than the minimum policy charge. For any order placed within 60 months of the prior policy, the charge shall be 80% of the applicable rate.

NON-RESIDENTIAL TRANSACTIONS OF $15 MILLION OR MORE

Notwithstanding the rates set forth in this manual, the charges for policies, endorsements and/or guarantees where the aggregate amount of insurance or liability is $15,000,000.00 or more may be subject to negotiation and agreement between the Company and the customer.

PRIOR POLICY DISCOUNT (Direct operations only)

If a seller or borrower provides a copy of their owner’s policy UPON OPENING THE ESCROW, the charge is 70% of the applicable owner’s title premium. This discount may not be used in combination with any other discount. Applies to Zone 2 only.

MINIMUM CHARGES

The charges set forth herein are for risks normally assumed and for services normally provided. Additional charges will be made when unusual conditions of title are encountered, or shen special risks are insured against, or when special services are requested. Additional charges will only be made if each person or entity obligated to pay all or any part of such charges consents thereto in writing in advance of the initiation of work. Unless otherwise stated, the minimum charge shall be as shown in the applicable Basic Insurance Rate Table



PART A – OWNER’S INSURANCE

A-1 GENERAL

The charge for owner’s insurance is applicable to title insurance insuring an owner, or an owner and a lender, or the owner of a lesser estate or interest. The minimum charge must be based upon the full value of the estate or interest covered.

Additional charges shall be made for extra parcels as defined under “Definitions” and for such other insurance coverage as may be requested.

A-2 BASIC CHARGE

A. CLTA Standard Coverage Policy 100% of Basic Insurance Rate

B. ALTA Owner’ s Policy 140% of Basic Insurance Rate

C. ALTA – Residential Owner’s Policy Basic Insurance Rate

D. ALTA/CLTA Homeowner’s Policy 110% of Basic Insurance Rate

A-3 OWNER’S OR JOINT PROTECTION POLICY REISSUED

A. Reissue Owner’s Insurance:

The charge for an Owner’s or Joint Protection policy reissued for the benefit of an insured owner for purposes other than a sale, loan, lease or exchange is 25% of Basic Insurance Rate, minimum $150.00, maximum $250.00, plus the unit rate for increased liability above the outstanding insurance. See Note No. 2.

There is no time limit under the provisions of this sub-section.

B. Reissue to include a loan on new financing or refinancing:

The charge for an Owner’s or Joint Protection Policy, reissued within 24 months from the original date of issue, to include a new loan or refinance loan by the same insured owner is 25% of Basic Schedule, for the same type and amount of outstanding insurance, minimum $100.00, plus the unit rate for increased liability above the outstanding insurance. See Note No. 2.

In addition to these charges, the regular Schedule charge provided for lender’s insurance under the various “B” sections will apply if required.

Note 1: The charges provided under (b) shall not apply after the expiration of the twenty-four (24) month period. After this period the normal basic charge (Section A-2) will apply.



22

Note 2: The charges provided under (a) and (b) are for a CLTA Standard Coverage Policy form on the original issue and the reissue. An additional charge will be made for the following: Where the original issue and reissue are both ALTA Owner’s Policy Standard forms the provided charge is 40%. Where the original issue is CLTA Standard Coverage Policy form and the reissue is ALTA Owner’s Policy Standard form, add 65% of the Basic Insurance Rate for the amount of insurance issued.

A-4 SEPARATE SALES

The Basic Insurance Rate applies to each separate sale from different sellers irrespective of one common buyer, the sales are closed concurrently and either one policy or separate policies are to be issued.

A-5 TWO OR MORE POLICIES ISSUED OR OWNERSHIPS INSURED SIMULTANEOUSLY (Common Owner)

A. Where two or more purchasers acquire from a common owner:

property in the same tract, grant, subdivision, government section, swamp and overflow or tideland survey, the charge is the Basic Insurance Rate applicable based on the aggregate amount of insurance to be issued, plus $10.00 for each policy issued or individual purchaser insured over one. (Excepted herefrom are owners of undivided interests in the same estate or interest within the same parcel of land.)

B. Where one purchaser acquires from the same owner:

property in different tracts, grants, subdivisions, swamp and overflow or tideland surveys, the charge is the Basic Insurance Rate applicable to the amount of insurance to be issued plus $20.00 for each additional parcel over one, plus $10.00 for each policy issued over one.

A-6 OWNER’S POLICY INSURING A TRUSTEE UNDER A TRUST AGREEMENT

When a Trustee under a Declaration of Trust is acquiring title to a parcel of land from an insured owner for the sole purpose of establishing a trust, and the conveyance by said insured owner to said trustee is not in fact an actual sale, exchange, loan or lease, an Owner’s Policy for fair value may be issued for the benefit of said Trustee at 25% of Basic Insurance Rate based upon the amount of outstanding insurance, minimum $150.00, plus an increased liability charge, if any, based on the rate applicable for each unit of insurance issued in excess of the original amount.



A-7 RATES BELOW SCHEDULE

A. Church or Charitable Non-Profit Organizations:

(See Section B-7 for Lender’s Insurance)

50% of the Basic Insurance Rate, minimum $150.00 for a CLTA Standard Coverage Policy on properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided such charge is normally the church’s obligation. Standard Rates apply in all other transactions and to all additional coverages.

B. Corrections Due to Error or Misunderstanding:

The charge for a policy to correct an error or misunderstanding by or between the parties to a transaction is 25% of the applicable Schedule rate (minimum $50.00 for owner and $40.00 for lender). The charge may be reduced or waived if, in the opinion of the Company, the circumstances justify such reduction or waiver.

A-8 POLICIES FOR OPTIONEE

A. For a policy insuring the optionee in an option to purchase, the charge is the Basic Charge (Section A-2) based on the amount paid for the option.

B. When the option is exercised and the deed to the optionee is recorded, the charge for a policy is the Basic Charge (Section A-2) applicable to the full amount of the purchase price.

NOTE: To issue a policy for the amount of the option, the option must either be recorded or a copy held in the Company’s file. Options for periods in excess of one (1) year must be referred to management before issuing insurance.

A-9 INSURING VENDEE IN AGREEMENT FOR SALE

A. The charge for an Owner’s or Joint Protection policy insuring the vendee in an agreement for sale is the Basic Charge (see Section A-2) for the sale price shown in the agreement for sale.

B. When the deed is delivered in fulfillment of the agreement, a new Owner’s policy will be issued to insure the vendee only, for the amount of the original policy, for 25% of Basic Insurance Rate (minimum S 150.00). If additional insurance is required, the charge is the difference between Basic Insurance Rate for the amount of outstanding owner’s insurance and Basic Insurance Rate for a policy for the amount of insurance issued.



24

A-10 TRANSFER OF UNDIVIDED INTERESTS

A. The charge for an Owner’s policy insuring the transfer of an undivided interest, where no loan is involved in the order, is the Basic Schedule Rate for the fair value of such undivided interest. If all of the undivided interests were previously insured and are also to be insured by the new policy, add to the above charge 25% of the Basic Insurance Rate for the difference between the sale price of the undivided interest and the amount of insurance in the outstanding policy. If additional insurance is required, the charge therefor is the difference between Basic Insurance Rate for a policy for the amount of outstanding owner’s insurance and Basic Insurance Rate for a policy for the amount of insurance issued.

B. The charge for a Joint Protection policy insuring the transfer of an undivided interest and a loan covering all of the undivided interests is Basic Insurance Rate for the fair value of all of the undivided interests. If an Owner’s policy is issued covering only the undivided interest conveyed and a separate loan policy issued covering all of the undivided interests, the charge for the loan policy is the applicable insurance rate provided for the loan under Loan Policies “B” sections.

A-11 MINERAL INTERESTS

The charge for a policy insuring ownership of mineral interests arising out of the fee title or out of a leasehold estate is 200% of the Basic Insurance Rate for the amount of the policy, which amount shall be agreed upon between the Company and the insured. Additional charges are made for each parcel over one and for any extraordinary amount of work required in the title search and examination, for which estimates may be obtained in advance.

A-12 SUBMERGED OR TIDE LANDS

The charge is the Owner’s rate applicable (Section A-2) based upon the full amount of the estate or interest covered when such estates have been previously insured. If not previously insured, the charge is doubled.

A-13 OWNER’ S POLICY FOLLOWING FORECLOSURE, TRUSTEE’ S SALE OR DEED-IN-LIEU

The minimum charge shall be based upon the amount of the defaulted loan plus the unpaid balance of any prior loan which the property is to remain subject to. Insurance in excess of said amount shall be charged for on an increased liability basis at the appropriate per unit rate for the type of insurance issued.

A. For a policy of title insurance covering the trustee’s deed, commissioner’s deed or deed-in-lieu.



25

1. Where the defaulted encumbrance had been insured and a Company guarantee for trustee’s sale or judicial foreclosure has been issued the following charges, based upon the amount of insurance shown in the Company guarantee, shall apply. For insurance issued in excess of the amount shown in said Guarantee, an additional charge shall be made on an increased liability basis at the applicable insurance rate per $1,000.

(a) 25% of the Basic Insurance Rate (plus the appropriate charge for increased liability, if any), minimum $150.00,when insuring an insured beneficiary as the grantee under the trustee’s deed, commissioner’s deed or deed-in-lieu, or

(b) 40% of the Basic Insurance Rate (plus the appropriate charge for increased liability, if any), minimum $150.00 when insuring a party other than the insured beneficiary as the grantee under the trustee’s deed, commissioner’s deed or deed-in-lieu.

The charges herein set forth are for CLTA Standard Coverage. If ALTA Owner’s Policy Additional Coverage is issued, the charge is 65% provided the form of insurance insuring the defaulted loan was also ALTA form. If not, the additional charge for ALTA Owner’s Policy is 40% of Basic Insurance Rate, which is added to the charges in either (a) or (b) above.

2. Where the defaulted encumbrance had not been insured and/or a Company trustee’s sale guarantee has not been issued or was the issue of another insurer, the full Owner s Rate applicable under Section A-2 shall be charged, based upon the amount of insurance issued.

Where a Federal Agency or instrumentality is the guarantor under a contract of insurance, the trustee’s deed, commissioner’s deed or deed-in-lieu may be recorded and issuance of the policy deferred for a period not to exceed twenty-four (24) months to cover the deed to such an agency only, at no additional policy charge except increased liability, if any.

B. If a binder is issued in lieu of a policy as referred to in “a”, above:

Upon recording the trustee’s deed, commissioner’s deed or deed-in-lieu a Binder to cover a resale by the grantee (within 12 months) to an ultimate purchaser shall be the same charge as that provided for under Section A-19.

This section permits the recordation of the trustee’s deed, commissioner’s deed or deed-in-lieu, and recordation of the subsequent conveyance to the Federal Agency, at which time a Binder in lieu of a policy is issued to the Agency to insure the conveyance to their ultimate purchaser within the twenty-four (24) month period as provided in said section. The charge shall be the same as that provided under Section A-19.



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A-14 PURCHASE, IMPROVEMENT, SALE AND LEASE BACK

This service is available only to a purchaser who:

A. Is named as the insured in an Owner’s policy issued at the date of recordation of his deed. The charge for this policy is the Basic Charge (Section A-2) for the amount of the sale.

B. Proposes, as of the date of issuance of such policy, to cause specific improvements to be erected on the land and upon completion thereof to convey the title to the land and/or the improvements to “X” and take back a lease of the land and/or improvements from “X”.

C. Upon recordation of the deed(s) to “X”, causes a policy or policies of title insurance to be issued, insuring “X” as owner, for the fair value of the land and/or improvements conveyed. The charge for this policy is 25% of the Basic Insurance Rate, minimum $150.00 plus the per-unit Basic Insurance Rate for insurance in excess of the original policy amount.

The provisions of this section are applicable only if the policy insuring “X” referred to in paragraph (b) is issued within twenty-four (24) months after the expiration of the statutory time for filing mechanics’ liens.

NOTE: If additional policies insuring the lessee or a lender are required, the applicable insurance rate therefor is charged.

A-15 SALE OF ONE PARCEL WITH A LOAN ON MORE THAN ONE PARCEL

If a purchaser obtains a loan secured by the property being acquired and also by other property owned by him, a Joint Protection policy covering all of the property will be issued for the fair value of all the property at the Basic Schedule Rate under Section A-2, plus $20.00 for each parcel over one. By separate billing, the charge for the parcel being acquired may be billed at Basic Insurance Rate for the amount of the sale and the increased insurance, plus the extra parcel charges, to the designated parties responsible.

If the parties prefer, an Owner’s Policy will be issued on the property being acquired at Basic Insurance Rate under Section A-2 for the sale price, and a separate loan policy will be issued covering all of the property. The charge for the loan policy is lender’s rate applicable under Loan Policies “B” sections, plus $20.00 for each parcel over two.



A-16 ADDITIONAL CLTA COVERAGE UNDER OWNER’S INSURANCE

Charges for additional insurance to an owner for the exclusion, by endorsement, of one or more exceptions in the standard form policy are:

A. Elimination of, or insurance against, various recorded title matters. (Schedule B Part II)

20% of Basic Insurance Rate unless a different charge stipulated under a specific endorsement.

B. Any tax or assessment matters not disclosed of record.

5% of Basic Insurance Rate.

C. Any facts, rights or claims not of record but which would be disclosed by inspection or inquiry.


D. Any easements, claims of easements or encumbrances not disclosed of record.


E. Any discrepancies, conflicts in boundary lines, shortages in area, encroachments or other facts as disclosed by a correct survey.


F. Any unpatented mining claims, reservations or exceptions in patents, water rights or claims to water.


NOTE:

1. Maximum additional charge is 40% of the Basic Insurance Rate.

2. If the patent actually contains no reservations, reference to “Reservations in Patents” may be eliminated without charge. Where not applicable the language “mining claims, water rights, or title to water” may be eliminated without charge.

G. Elimination of tideland, swamp and overflow land, exceptions relating to accretion and erosion.

15% of Basic Insurance Rate on initial issue only; no charge for subsequent issue on same parcel.

A-17 ELIMINATION OF OBJECTIONS FROM OWNER’S POLICY

When the Company determines it may insure against loss by reason of encumbrances or defects (other than printed exceptions) affirmative insurance may be given by an appropriate endorsement. The charge is 20% of the Basic Insurance Rate.



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A-18 HOLDING AGREEMENTS

Where the Company takes title under the terms and provisions of an authorized holding agreement, only one policy will be issued, the charge for which is the Basic Insurance Rate. If a second policy is to be issued, the charges provided under Section A-3(a) will be added.

A-19 BINDER (CONCURRENT WITH SALE TO INSURE A RESALE)

The charge for a binder to insure an ultimate resale purchaser through a CLTA Standard Coverage policy form is 110% of the Basic Insurance Rate based on the full value of the initial sale. This section is effective only on the following conditions; otherwise the basic charges (Section A-2) applicable on both the sale and resale shall be made.

A. A binder to insure upon recording the initial conveyance in lieu of a policy of Title Insurance.

B. The future transaction involves a single resale of the total property involved.

C. The final sale to the ultimate insured is recorded within twenty-four (24) months from the date of the binder and, if not, a policy of Title Insurance will be issued upon request insuring the grantee in the initial sale in the amount of and at the expiration of the binder period at no additional charge. If the ultimate sale price exceeds the amount of binder coverage, the appropriate additional charge for increased liability will be made.

D. This binder may be extended for one (1) additional year prior to its expiration by payment of an additional 15% for CLTA and 20% for ALTA based on the liability amount of the binder. If the ultimate sale price exceeds the amount of the binder coverage, increased liability shall be charged at the Basic Insurance Rate.

E. If separate lender’s insurance is requested concurrently with the issuance of, and in an amount not in excess of, the binder amount, an additional charge shall be made at the rate applicable to the type of insurance issued under section B-1.

F. If ALTA Owner’s Policy Standard Form is involved, the Basic charge shall then be 150% of the Basic Insurance Rate.

NOTE: Excepted from the provisions of this section are policies issued and priced under the provisions of:

1. SECTION A-5 “Two or More Policies Issued or Ownerships Insured Simultaneously (common owner)”

2. SECTION B-17 “Planned Project Financing”

3. SECTION D-1 “Basic Subdivision Rate”



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4. SECTION D-2 “Builder’s Bulk Rate”

A-20 CONVERSION OF INSURED LEASEHOLD ESTATE TO FEE TITLE ESTATE

Outstanding policies covering individual leasehold estates insuring a lessee or his assignee may be reissued to cover the conversion into a fee title estate where the terms of the lease so provide, or where the lease contains an option to purchase, for the following charge:

25% of the Basic Insurance Rate, based upon the same type and amount of outstanding insurance, minimum $150.00, plus the rate applicable for each $1,000 or fraction thereof of insurance issued in excess of the original amount. If separate lender’s insurance is required in connection with the reissue policy, the appropriate additional charge, Section B-1, for the type of lender’s insurance issued should be added to the other charges.

NOTE: as an alternative to the above pricing, the following formula may be used, if such formula results in a lesser charge.

Any outstanding policies covering individual leasehold estates, insuring a lessee or his assignee, may be reissued to cover the conversion into a fee title estate provided the liability under said policy, as reissued, does not exceed the total of the original policy amount and the land value of the fee title conveyed, where the terms of said lease so provide, or contain an option to purchase, or such is agreed upon by the parties thereto, for the following charge:

The Basic Insurance Rate applicable to the land value of the fee title conveyed, based upon the same type of outstanding insurance to which is added an increased liability charge, if any, based upon the rate applicable for each unit of insurance issued in excess of the total of the original policy amount and the land value of the fee conveyed. If separate lender’s insurance is requested concurrently with the issuance of the policy, an additional charge therefor shall be made at the rate applicable under Section B-1 for the type of insurance issued.

A-21 BINDERS (Concurrent land acquisition and subsequent improvements)

110% of the Basic Insurance Rate based upon the full value of the land and the estimated cost of improvements to be constructed.

A binder in lieu of a policy of title insurance issued to the grantee at the date of recording his deed, assuring said grantee that within a period of not to exceed twenty-four (24) months a CLTA Standard Coverage Policy will be issued to him with insurance in an amount not in excess of the binder amount.

If insurance in the policy of title insurance is in excess of the binder amount, the rate applicable for each $1,000 or fraction thereof above the binder amount shall be charged.



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If separate lender’s insurance is requested concurrently with the issuance of and in an amount not in excess of the policy amount, an additional charge shall be made at the rate applicable to the type of lender’s insurance issued under Section B-l.

If ALTA Owner’s Policy form is to be issued, the charge will be 150% of the Basic Insurance Rate.

If separate lender’s insurance is requested subsequent to the issuance of the initial two-year binder, an additional charge shall be made according to Section B-l, applicable to lender’s insurance issued concurrently with owner’s insurance plus a surcharge of 25% of the initial binder charge. The minimum surcharge will be $150.00.

A-22 PLANNED PROJECTS

Major commercial/industrial projects involving multiple owners/lessees and lender’s insurance aggregating in excess of $5,000,000 requiring separate policies of title insurance on parcels, leases and loans at different times on different parcels within the project may be insured at the charges hereinafter set forth, provided the following conditions prevail:

1. A perimeter map of the project is furnished at the inception of the agreement for title services setting forth the building sites, walks, streets, etc.

2. There are at least three or more parcels within the project.

3. The owners/trustors are insured owners of the land within the project.

The charges applicable herein are in lieu of those prescribed in other parts of the Owners/Lenders and Leasehold Sections of this Schedule of Fees and are as follows:

A. Owner’s/Lessee’s insurance (original issue or increased liability).

1. Up to an aggregate of $10,000,000

CLTA form $1.00 per $1,000 ALTA form $1.68 per $1,000

2. Aggregate in excess of $10,000,000


B. Concurrent construction loan or lender’s insurance under the following conditions (see also paragraph 4 below):

1. With CLTA or ALTA Owner’s Policy issued at the value of unimproved land:

(a) Lender’s insurance up to an aggregate of $10,000,000:


(b) Lender’s insurance in excess of an aggregate of $10,000,000:



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2. With CLTA Owner’s Policy issued at the full value of land and improvements:





3. With ALTA Owner’s Policy at the full value of land and improvements:





4. In addition to the rate per thousand, as each separate concurrent construction loan policy is issued, including the first one, $10.00 additional charge.

5. For each reissue of a construction loan into a final policy, after completion of improvements, or reissue of an interim loan into a final policy based on the amount of the initial insurance issued:

(a) Up to $10,000,000:

Original Form Reissue Rate per Thousand

CLTA CLTA $0.20 CLTA ALTA $0.47 ALTA ALTA $0.40

(b) In excess of $10,000,000:

CLTA CLTA $0.14 CLTA ALTA $0.34 ALTA ALTA $0.29

6. For reissue insurance in excess of original issue, increased liability at the rates set forth in B-1(a) or B-1(b) above.

C. Where a binder is required by a lender, a separate charge shall be made according to the liability:

1. Up to aggregate of $10,000,000 is $0.11 per $1,000.



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D. Lender’s insurance - not concurrent - but owner’s/lessee’s insurance has been issued or applied for under the provisions of this section.

1. Up to an aggregate of $10,000,000:

(a) CLTA form $1.07 per $1,000 (b) ALTA form $1.34 per $1,000

2. Aggregate in excess of $10,000,000:

(a) CLTA form $0.77 per $1,000 (b) ALTA form $0.96 per $1,000

3. Reissue rates as set forth in paragraph B-5.

E. An owner’s or lessee’s policy may be issued to update an insured’s title where no transaction is involved during the time limit of this agreement for title services, based upon the amount of outstanding insurance at the following rates (per thousand):

1. CLTA form $0.25 (maximum $250.00) ALTA form $0.67 (maximum $500.00)

Reissue must be in the same form as the original issue. For liability in excess of the prior policy, see A-1 or A-2 above, as appropriate.

To reissue existing CLTA coverage as ALTA coverage, add to the above charges the following rates based on the full amount of said reissue(s):

1. Up to an aggregate of $10,000,000, $0.68 per $1,000 of liability.

2. Aggregate in excess of $10,000,000, $0.48 per $1,000 of liability.

F. Endorsements: The fee for each endorsement attached to a policy issued under the provisions of this section is attained by multiplying the percentage listed in the section entitled “Endorsements” by:

1. Up to $10,000,000 liability: $1.34 per $1,000

2. In excess of $10,000,000 liability: $0.96 per $1,000

NOTE: If additional policies insuring the lessee or a lender are required, the applicable insurance rate therefor is charged.

A-23 COMMERCIAL RATE Liability % of Applicable Rate

$1,000,001 - 5,000,000 85%

$5,000,001 - 15,000,000 75%

$15,000,001 and over 65%



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A-24 COMMERCIAL MULTI-PROPERTIES Includes two or more commercial properties with a total liability in excess of $1,000,000.

Liability % of Applicable Rate

$1,000,001 - 5,000,000 85%

$5,000,001 – 15,000,000 75%

$15,000,001 and over 65%



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PART B – LENDER’S INSURANCE

This section provides for title insurance insuring a lender or an assignee.

B-1 BASIC CHARGE – LOAN POLICIES

A. CLTA Standard Policy

1. When no transfer of title is involved requiring owner’s insurance.

70% of Basic Insurance Rate

Short Term Rate is not applicable to this Section.

2. When concurrent with CLTA owner’s policy issued at full value of land and improvements.

$50.00 for Additional Policy


B. ALTA Loan Policy Additional Coverage

1. When no transfer of title is involved requiring owner’s insurance.


For 1-4 family residential properties only, coverages provided under the following endorsements will be included at no additional charge upon request of the lender at the time of policy issuance: 100, 100.12, 103.3, 110.9 and 116.


2. When concurrent with CLTA owner’s policy or ALTA Homeowner’s Policy issued at full value of land and improvements.

50% of Basic Insurance Rate plus $50.00 for additional policy, (minimum $50.00). If concurrent with ALTA Owner’s Policy, charge $50.00 for additional policy only.




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B-2 ADDITIONAL COVERAGES AND REISSUES OF INIT1AL POLICIES

Additional charges shall be added to the appropriate loan rate (Section B-1) for added coverages to and/or reissue of the initial policy. The time limit for a reissue policy is:

Other than construction loan – within 24 months of the date of the initial policy.

Construction loan – - within 24 months from the expiration date of the statutory period for filing mechanic’s liens. This time limit may be extended for an additional 24 months for an additional charge of 10% of the Basic Insurance Rate.

A. Where CLTA Standard Coverage Policy Form is the initial policy, the additional charges for added coverages are:

1. Priority Insurance (Endorsement 101)

Add 10% of Basic Insurance Rate

2. Reissue as CLTA Coverage


3. Reissue as ALTA Coverage


NOTE: Combinations of initial and additional coverage LP – 4: — initial CLTA plus additional coverage #1 LP – 5 — initial CLTA plus additional coverage #2 LP – 6 — initial CLTA. plus additional coverage #3 LP – 8 — initial CLTA plus additional coverage #1 and #2 LP – 9 — initial CLTA plus additional coverage #1 and #3

B. Where ALTA Loan Policy Additional Coverage is the initial policy, the additional charge for added coverage is:

1. Reissue as ALTA Coverage

Add 30% of the Basic Insurance Rate

NOTE:

LP – 3 initial ALTA Coverage only, no reissue. LP – 10 initial ALTA Coverage plus additional coverage B.1.



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B-3 STANDARD COVERAGE LOAN POLICY ISSUED IN CONJUNCTION WITH AN ALTA POLICY

If a separate Standard Coverage loan policy insuring a second loan is issued in conjunction with an ALTA policy, the charge is: —

A. $10.00 for the additional policy, plus

B. 80% of Basic Insurance Rate on the amount of the difference between the fee for the ALTA policy and the fee for the combined amounts of the two loans, computed at Basic Insurance Rate.

B-4 INTENTIONALLY DELETED

B-5 LOAN ON LEASEHOLD

A. If the loan is secured by a commercial or residential lease, a Standard Coverage policy is issued for 80% of Basic Insurance Rate. If an ALTA policy is issued, the charge is 100% of Basic Insurance Rate.

B. If the loan is secured by an insured oil and gas lease, a Standard Coverage policy is issued for 80% of Basic Insurance Rate. If the lease has not been previously insured, the charge is 200% of Basic Insurance Rate for the amount of the loan.

B-6 BONDHOLDER’S POLICY

The charge for a Standard Coverage loan policy insuring a bond issue is 80% of Basic Insurance Rate. If an ALTA policy is issued, the charge is 100% of Basic Insurance Rate.

B-7 CHURCHES OR NON-PROFIT ORGANIZATIONS

The charge is 50% of the Basic Insurance Rate, minimum $l50.00 for CLTA Standard Coverage or 50% of the Basic Insurance Rate, minimum $l50.00 for ALTA Additional Coverage lender’s insurance, on properties used as a church or for charitable purposes within the scope of the normal activities of such entities. Normal rates apply in all other instances and for all additional coverages added thereto.

B-8 LOAN POLICY ISSUED FOR REVAMPING OR REPLACING AN INSURED DEED OF TRUST

Where an insured lender makes a new loan to a borrower secured by substantially the same property as that encumbered by the insured lender's existing deed of trust for the sole purpose of refinancing or "revamping" its existing loan, the charge for a loan policy will be:



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50% of the Basic Title Insurance Rate for an Extended Coverage Loan Policy; Standard Minimum Charge Applies.

40% of the Basic Title Insurance Rate for a Standard Coverage Loan Policy; Standard Minimum Charge Applies.

B-9 ADDITIONAL CLTA COVERAGE UNDER LENDER’S INSURANCE

A. Elimination of or insurance against various record title matters. (Schedule B Part II)

10% of Basic Insurance Rate unless a different charge is stipulated under a specific Endorsement

B. Any tax or assessment matters not disclosed by record.


C. Any facts, rights or claims not of record but which would be disclosed by inspection or inquiry.


D. Any easements, claims of easements or encumbrances not disclosed of record.


E. Any discrepancies, conflicts in boundary lines, shortages in area, encroachments, or other facts as disclosed by a correct survey.


F. Any unpatented mining claims, reservations or exceptions in patents, water rights or claims to water.


NOTE:

1. Maximum additional charge should not exceed 20% of the Basic Insurance Rate.

2. If the patent actually contains no reservations, reference to “Reservations in Patents” may be eliminated without charge. Where not applicable, the language “mining claims, water rights, claims or title to water” may be eliminated without charge.



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B-10 ADDITIONAL ADVANCES UNDER DEED OF TRUST OR MORTGAGE

Additional advances evidenced by an additional note under the same insured deed of trust or mortgage may be insured by either an endorsement to an outstanding policy issued by this Company, or the issuance of a new policy, for the following charges based upon and limited to the amount of the additional advance only.

A. 60% of the Basic Insurance Rate, if the original and new coverage are both CLTA form, minimum $150.00.

B. 70% of the Basic Insurance Rate, if the original and new coverage are both ALTA form, minimum $150.00.

C. 80% of the Basic Insurance Rate, if the original coverage is CLTA form and the new coverage is ALTA form, minimum $150.00.

B-11 MULTIPLE LOANS

If two or more loans executed by the same borrower on different lots in the same or different subdivisions, tracts or sections are recorded concurrently, the policy charge is computed on the total amount of the loans at the rate applicable, plus $100.00 for each policy over one, plus additional parcel charges, if any.

The charge for such other insurance coverage as may be requested is computed upon the aggregate amount of the loans at the rate applicable.

B-12 LOAN POLICY INSURING MODIFICATION OR EXTENSION OF AN INSURED DEED OF TRUST

A policy insuring a modification or extension of an insured deed of trust, based upon the unpaid balance of the encumbrance at the date of the policy, is issued at the following rates:

A. If the original policy is the Standard Coverage form and the new policy is to be the Standard Coverage form, the charge is 20% of Basic Insurance Rate, minimum $150.00.

B. If the original policy is the ALTA form and the new policy is to be the ALTA form, the charge is 30% of Basic Insurance Rate, minimum $150.00.

C. If the original policy is the Standard Coverage form and the new policy is to be the ALTA form, the charge is 40% of Basic Insurance Rate, minimum 150.0O.



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B-13 LOAN POLICIES INSURING ASSIGNMENTS OF INSURED DEEDS OF TRUST

A. The charge for a policy covering the assignment of an insured deed of trust or mortgage is based upon the unpaid balance of the encumbrance, or in the event the assignment is for collateral purposes, it is based upon the amount of the collateral.

1. If the original and new policies are both CLTA forms, the charge is 20% of the Basic Insurance Rate, minimum $150.00, maximum $250.00.

2. If the original and new policies are both ALTA forms, the charge is 30% of the Basic Insurance Rate, minimum: $150.00, maximum $250.00.

3. If the original policy is CLTA form and the new policy is ALTA form, the charge is 40% of the Basic Insurance Rate, Minimum $150.00, no maximum.

When multiple assignments are recorded concurrently covering assignments by the same assignor of insured deeds of trust or mortgages, the charge is based upon the aggregate unpaid balance of the loans at the rates provided under 1, 2 and 3 above, plus $10.00 for each policy of title insurance or loan insured over one.

B. Policies withheld to insure an assignment of individual deeds of trust or mortgages.

1. Issuance of policy withheld.

On request, the issuance of a CLTA or ALTA policy to a lender may be withheld to include insurance of an assignment of an insured deed of trust or mortgage. The following charges will be made in addition to the charge for the lender’s policy:

(a) $10.00 per issue of loan if the assignment is recorded within 90 days following the recording of the deed of trust or mortgage.

(b) If the assignment is recorded after 90 days, following the recordation of the deed of trust or mortgage, the charges under Section A above, shall be applicable.

B-14 ENDORSEMENT INSURING ASSIGNMENT OF AN INSURED DEED OF TRUST

Insurance by endorsement attached to a Company policy or a copy thereof, covering the assignment of an insured deed of trust or mortgage:

The charge is based upon the unpaid balance of the encumbrance or the collateral amounts at the time of the assignment.

A. Endorsements requiring a full search of title, the charge is the same as that provided for under Section B-13.



40

B. Endorsements requiring a search of the beneficial interest only are issued for the following charges:

1. Excluding the vesting of the ownership of the estate of interest covered in the policy – $75.00 including regular taxes, plus outside tax report charge, if any.

2. Including the vesting of the ownership of the estate of interest covered in the policy – 15% of the Basic Insurance Rate for the unpaid balance of the loan, minimum $ 75.00 including regu1ar taxes, plus outside tax report charge, if any.

B-15 ELIMINATION OF OBJECTIONS FROM LENDER’S POLICY

When the Company determines it may insure against loss by any reason of encumbrances or defects (other than printed exceptions) affirmative insurance may be given by an appropriate endorsement. The charge is based in the Basic Insurance Rate for the amount of the loan. (See Endorsement Section for the appropriate charge.)

B-16 LOAN POLICY INSURING DEED OF TRUST WITH LOAN AMOUNT IN EXCESS OF LAND VALUE

Title Insurance may be required in some cases and under conditions for which no charge has been provided for in this manual, such as where specific land is not the primary security, but is in fact, additional security in connection with other primary security. The total loan amount may be in excess of the value of the land upon which a deed of trust is so placed. In such situations, upon the letter request (which states the circumstances) from the lender, the policy may be written for an amount based on the value of the real property. The charge for the policy shall be the rate applicable to the type of policy and amount of insurance.

If a request is made for further accommodations as to the policy amount, that request should be referred to the Legal Department for consideration.

B-17 DISASTER LOANS

Lender’s policies of title insurance (CLTA Standard form or ALTA extended coverage form) issued to cover loans for the financing or refinancing of the rebuilding, by owners of record preceding the time of the disaster and the date of a Proclamation by the Governor of the State of Nevada of a disaster within the State, of any structure which was partially or totally destroyed in the disaster area included in such proclamation, shall be issued for 50% of the applicable rate for the type and amount of insurance requested.



B-18 LIMITED COVERAGE LOAN POLICY

Rate: Up to $50,000.00 – $80.00

$2.00 per thousand in excess of $50,000.00

Reissue within one (1) year – $30.00

Endorsements for Limited Coverage Loan Policy

Continuation Endorsement: No Charge

Endorsement Line/Variable Rate Endorsement: No Charge

Credit Line/Variable Rate Extension Endorsement: No Charge

B-19 INTENTIONAL DELETED and RESERVED FOR FUTURE USE

B-20 ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY

The charge for an ALTA Expanded Coverage Loan Policy is the applicable rate, plus an additional 10%. [Rate effective 4/1/2004]

B-21 MASTER EQUITY LINE LOAN POLICY RATES

For residential home equity line and loan mortgage transactions on one-to-four family properties qualifying for lien protection coverage as outlined under the Company’s Master Home Equity Line Loan program and utilizing centralized order tracking and processing through the Company or one of its agents, the charge for each Master Equity Line Loan Policy Certificate issued under a Master Home Equity Line Loan policy is as follows:

• $50.00 on mortgages securing amounts from $0.00 to $250,000 • $150 on mortgages securing amounts from 250,0001 to $500,000 [New rate effective 9/6/2005]

B-22 INTENTIONALLY DELETED and RESERVED FOR FUTURE USE.



B-23 CENTRALIZED REFINANCE RATES

A. Centralized Refinance Rate I

The charge for a loan policy issued in connection with loan transactions which meet the criteria set forth below shall be as follows:

Amount of Insurance Centralized

Refinance Rate I $1 - $250,000 $360

$250,001 - $500,000 $540 $500,001 - $750,000 $660

$750,001 - $1,000,000 $800 $1,000,001 - $1,250,000 $925 $1,250,001 - $1,500,000 $1,000

The Centralized Refinance Rate I applies only to loan transactions which meet the following criteria: 1. The loan is not in excess of $1,500,000.00;

2. The loan is secured by a mortgage or deed of trust encumbering real property improved with a one-to-four family residential dwelling unit or residential condominium unit;

3. The loan proceeds must be used to refinance an existing loan secured by the same property;

4. Electronic and paperless order opening and electronic and paperless delivery of the preliminary report or commitment; and

5. The new policy coverage is ALTA in form (including an ALTA Loan Policy or ALTA Short Form Residential Loan Policy) with streamlined searching providing for generic exceptions for CC&Rs, easements, minerals, mineral rights or survey matters.

Note 1: Not applicable to construction loans or loan policies issued concurrently with owner’s policies.

Note 2: There is no additional charge for any endorsements customarily issued concurrently with a policy priced pursuant to this Section when requested at the time of policy issuance.


Schedule of Fees of Charges – State of Nevada Effective Date: April 21, 2011

43

Note 3: No agent or underwritten title company may offer this rate unless expressly authorized in writing by the Company’s management to do so for each lender.

B. Centralized Refinance Rate II

The charge for a loan policy issued in connection with loan transactions which meet the criteria set forth below shall be as follows:

Amount of Insurance Centralized Refinance

Rate II $1 - $250,000 $320

$250,001 - $500,000 $400 $500,001 - $750,000 $460

$750,001 - $1,000,000 $520 $1,000,001 - $1,250,000 $630 $1,250,001 - $1,500,000 $750

The Centralized Refinance Rate II applies only to loan transactions which meet the following criteria: 1. The lender must enter into an agreement with either the Company’s centralized

processing units or with an agent or underwritten title company authorized by the Company in writing to offer this rate which specifies, among other matters, a maximum cancellation rate and the methods of order opening and tracking;

2. Electronic and paperless order opening and electronic and paperless delivery of the preliminary report or commitment;

3. The loan is not in excess of $1,500,000.00;

4. The loan is secured by a mortgage or deed of trust encumbering real property improved with a one-to-four family residential dwelling unit or residential condominium unit;

5. The loan proceeds must be used to refinance an existing loan secured by the same property;

6. The loan transaction must be initiated and coordinated through a centralized point of contact with the originating lender;

7. Orders must be opened with the Company’s centralized processing units or with an agent or underwritten title company authorized by the Company to offer this rate;



44

8. Cancelled orders must not exceed the maximum cancellation rate established by the Company’s centralized processing units or by an agent or underwritten title company authorized by the Company to offer this rate; and

9. ALTA Short Form Residential Loan Policy must be issued.

Note 1: Not applicable to construction loans or loan policies issued concurrently with owner’s policies.

Note 2: There is no additional charge for any endorsements customarily issued concurrently with a policy priced pursuant to this Section when requested at the time of policy issuance.

Note 3: In order to offer this rate, an agent or underwritten title company, and any office thereof offering this rate, must have a multi-state presence, must process transactions in a centralized electronic environment, and must perform the management functions otherwise required of the Company’s centralized processing divisions under the provisions of this Section. In addition, no agent or underwritten title company may offer this rate unless expressly authorized in writing by the Company’s management to do so for each lender.



PART C – LEASEHOLD INSURANCE

This section is applicable to title insurance insuring a leasehold estate or interest created for or held by a lessee or a lender.

C-1 COMMERCIAL OR RESIDENTIAL LEASEHOLD

A. Leasehold Rate:

1. CLTA. Standard Coverage Policy- 100% of Basic Insurance Rate

2. ALTA. Owner’s Policy 140% of Basic Insurance Rate

NOTE: As to leasehold estates on submerged lands or tidelands which have not been insured, the charges are doubled.

The minimum charges may be computed on either the full value of the land and existing improvements or on a lesser amount relating to the term of the lease as follows:

a. Less than 25 years – 10 times the annual rental.

b. More than 25 years to 50 years – 20 times the annual rental.

c. 50 years or more – the full value of the land and existing improvements.

d. Insurance in excess of the minimum amount may be issued at the appropriate insurance rate.

If a loan is involved, the minimum charge will be computed upon the amount of the loan or the amount produced by the above formulas, whichever is greater.

If the lessee’s and the fee owner’s estate or interests are coinsured for full value and without any segregation of liabilities as to said estates or interests under the same policy, the owner’s rate applicable (Section A-2), based upon one policy amount, is charged.

If the lessee’s and the fee owner’s estates or interests are segregated in the same policy by an endorsement or if, concurrently with an owner’s policy, a separate leasehold policy is issued, the charge for the leasehold insurance so segregated will be on an increased liability basis at the appropriate rate per unit for the minimum amount of leasehold insurance called for under the formula shown above, plus the $50.00 additional policy charge.



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B. Lender’s Leasehold Rate:

1. CLTA Standard Coverage 80% of Basic Insurance Rate

2. ALTA Loan Policy 100% of Basic Insurance Rate

NOTE: As to leasehold estates on submerged lands or tidelands which have not been previously insured, the charges are double.

The minimum charge is based upon the amount of the encumbrance allocated to the property. The charges for added coverages or separate lender’s insurance issued concurrently with other policies covering the same leasehold estate, are subject to the same formulas applicable to lender’s insurance issued concurrently with owner’s insurance on fee title.

C-2 OIL, GAS OR MINERAL LEASEHOLDS, BASIC CHARGE

A. Leasehold Rate, CLTA Oil Leasehold Policy only:

1. 200% of Basic Insurance Rate based on the amount of insurance as agreed upon by and between the Company and the insured.

2. Assignments or Modifications:

a. Insured Leaseholds:

100% of Basic Insurance Rate based on the amount of the outstanding policy, minimum $150, plus 200% of the Basic Insurance Rate for each unit of insurance in excess of the amount shown on the outstanding policy.

b. Noninsured Leaseholds:

200% of Basic Insurance Rate, based upon the amount of insurance as agreed upon by and between the Company and the insured.

B. Lender’s Leasehold Rate:

1. Insured:

80% of the Basic Insurance Rate, based upon the amount of the loan.

2. Noninsured:

200% of the Basic Insurance Rate, based upon the amount of the loan.



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NOTE: The charges for added coverages or separate lender’s insurance issued concurrently with a leasehold policy insuring the lessee, are subject to the same formulas applicable to lender’s insurance issued concurrently with owner’s insurance on fee title

C. Production Payment Policies:

200% of Basic Insurance Rate based upon the amount of the loan.

C-3 CONVERSION OF LEASEHOLD ESTATES TO FEE TITLE ESTATES UNDER RESIDENTIAL SUBDIVISION CONTRACT RATES

See Section A-20 under owner’s insurance.



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PART D – SUBDIVISION RATES

This section is applicable to title insurance insuring lenders to, and purchasers or lessees from, insured developers or subdividers of property and/or the development of residential units.

The Basic Subdivision Rate or Builder’s Bulk Rate applies to an insured developer, contractor or subdivider of a specific project on land within a single subdivision, tract or governmental section which has been divided or is to be divided into three (3) or more lots or residential units of occupancy, all of which are being developed for sale or lease as separate individual units.

The charges set forth herein are in addition to the charges for the policy insuring the developer or subdivider upon acquisition of his estate or interest in the land.

D-1 BASIC SUBDIVISION RATE

The following rates are applicable only when three or more policies are to be issued insuring three or more different purchasers or lessees. The rate per unit depends upon the number of units contained in a given project and is based upon the full value of each separate sale or unit value under a lease.

3 to 15 units 70% of Basic Insurance Rate



Over 200 units 55% of Basic Insurance Rate

D-2 BUILDER’S BULK RATE: (Residential Only)

The following rates are applicable to the various types of policies required in connection with the financing and development of three or more separate residential units in a given project based upon the contemplated sales price (or unit value under a lease) of each separate residential unit, regardless of whether the construction loans are recorded at the same or different times, and depending on the number of units in the project. The basic charge is computed on a per unit basis based on the full sale price of each separate sale (or unit value under a lease), according to the number of units within a given project.

Basic Charge per unit for CLTA Standard Coverage policy insuring final sale to purchaser based on contemplated sale price.




Over 200 units 55% of Basic Insurance Rate



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To the above basic percentage figure applicable, shall be added the following appropriate additional percentage or combinations thereof, to cover the financing according to the additional coverages and/or insurance to be issued, to complete the per unit charge.

1. CLTA Standard Coverage on construction loan without priority insurance


2. CLTA Standard Coverage on construction loan with priority insurance


3. ALTA Additional Coverage on construction loan


4. Reissue as CLTA Coverage on the original loan or on a take-out loan


5. Reissue as ALTA Additional Coverage on the original loan or on a take-out loan


NOTE:

LP 3 – Owner’s/Lessee’s CLTA Policy plus service #3 above

LP 4 – Owner’s/Lessee’s CLTA policy plus service #2 above

LP 5 – Owner’s/Lessee’s CLTA Policy plus services #1 & #4 above

LP 6 - Owner’s/Lessee’s CLTA Policy plus services #1 & #5 above



LP 10- Owner’s/Lessee’s CLTA Policy plus services #3 & #5 above

LP 11-Owner’s/Lessee’s CLTA policy plus service #5 above

A separate CLTA Standard Coverage Policy insuring a lessor with CLTA Endorsement 101.4 attached may be issued in connection with any policy insuring the lessee’s lender with CLTA Endorsement 101 or ALTA Endorsement 100 for a charge of 10% of Basic Insurance Rate based upon the liability of the loan, plus $50.00 for the extra policy. Additional insurance may be given at the rate applicable for such increased liability.

D-3 APPLICATION OF SUBDIVISION RATES FOR LENDER’S INSURANCE ON LOANS OTHER THAN ON-SITE CONSTRUCTION

The Basic Subdivision Rates in Section D-1 or the loan rates in Section B, etc. whichever is the lesser charge, shall be applied to Standard Coverage Policies, plus appropriate charges for any additional coverages, covering off-site construction loans and all other loans with the exception of on-site construction loans referred to in Section D-2.



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However, a policy covering an off-site construction loan recorded concurrently with, or as a portion of, an on-site construction loan is included within the per-unit charge as provided for under Section D-2.

D-4 PRIOR CONTRACTS

The provisions of subdivision contracts made by this Company or other insurers under existing or pre-existing rate Schedules will be honored by this Company until such contracts expire.

D-5 SUBDIVISION OR CONDOMINIUM GUARANTEES

Subdivision or Condominium Guarantees required in connection with the preparation and recordation of subdivision or condominium maps, for the benefit of a named county and city within which a particular subdivision or condominium may be located, are issued for the following charges:

A. Where the owner is insured, the base charge is $50, plus $20 minimum additional charge for each ownership, easement, right-of-way or interest searched or reported.

The above charge includes the issuance of either the preliminary Subdivision Guarantee or the preliminary Condominium Plan Report at no additional cost.

B. Where the owner is not insured, in addition to the charge in Subsection “A” above, owner’s insurance must be issued in an amount equal to the fair value of the property immediately before filing the subdivision or condominium map, the charge for which shall be the appropriate insurance rate.

D-6 AFTER-ACQUIRED PROPERTY

A subdivider or developer who acquires additional lots in an established subdivision or who re-acquires property once sold within a single subdivision on which he originally or now holds a subdivision contract shall be entitled to basic contract rates on resales of such property.

D-7 INTENTIONALLY DELETED



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PART E – GUARANTEES

E-1 TRUSTEE’S SALE GUARANTEE OR LITIGATION GUARANTEE FOR FORECLOSURE BY JUDICIAL PROCEDURE

A. Trustee’s Sale Guarantee Rates.

LIABILITY PREMIUM

Up to $55,000 $290.00

$60,000 $300.00

$65,000 $315.00

$70,000 $330.00

$75,000 $345.00

$100,000 $360.00

Add $30.00 per $25,000 up to and including $300,000 $600.00



Add $18.00 per $25,000 up to and including $2,000,000 $1,871.00

Add $15.00 per $25,000 over $2,000,000

B. There is no additional charge for continuation guarantees.

C. $200.00 to convert a Trustee's Sale Guarantee into a Litigation Guarantee for Judicial Foreclosure, or vice-versa; or to reissue a guarantee for the benefit of a substituted trustee or attorney.

D. If a Trustee's Sale Guarantee has been issued on a loan in default and the Notice of Default is rescinded and a new Notice of Default is then filed naming the same trustor and beneficiary within sixty (60) days after the date of rescission the fee for the date-down of the Trustee's Sale Guarantee on the new Notice of Default will be $200.00.

E. For multiple loans executed by the same trustor in favor of the same beneficiary on different lots in the same tract, the charge for the Guarantees, provided the orders are opened concurrently, is computed upon the aggregate total amount of the loans at the Basic Insurance Rate, plus $50.00 for each loan over one.



E-2 REQUEST FOR NOTICE GUARANTEE

The charge for a guarantee covering requests for a copy of any Notice of Default and any Notice of Sale, pursuant to Section 107.090 of the Nevada Revised Statutes is $10.00 per parcel. The amount of insurance is the next multiple of $100 above the fee charged.

Insurance in excess of the amount based on the fee charged may be issued at 35% of the Basic Insurance Rate applicable to the amount requested, minimum $50.00

The fee charged will be allowed as a credit on a subsequent trustee’s sale or judicial foreclosure guarantee within twelve months for the date of the Request for Notice Guarantee.

E-3 COMBINATION GUARANTEE

The charge for a Combination Guarantee is the combined total of the charges for two or more of the following coverages included in the Guarantee:

A. Judgment and Tax Lien Guarantee (Section E-5). Covers abstracts of judgments, federal tax liens and certificates of state tax liens filed or recorded against particular parties, over a designated period of time. Charge $50.00 per name, husband and wife considered one name, which charge is the amount used to determine the amount of insurance. To said charge, add $3.00 for each lien over two.

No credit is allowed on a subsequent guarantee or policy.

B. Lot Book Guarantee (Section E-10). Showing the record owner and any deeds of trust or mortgages, etc., charge $50.00 per parcel. Credit in the amount paid for this part of the guarantee may be allowed on a report or policy within six months from the date of the guarantee.

C. Bankruptcy Guarantee (Section E-12). Covers matters disclosing bankruptcy proceedings for particular persons. Charge $50.00 per name, husband and wife considered as one name.

No credit is allowed on a subsequent guarantee or policy.

The amount of insurance for coverage under the Guarantee is the next multiple of $100.00 above the fee charged (for the combined coverages).

Insurance in excess of the amount based upon the fee charged may be issued at 35% of the Basic Insurance Rate applicable to the amount requested, minimum $50.00.

Allowable credit on a subsequent guarantee or policy may be given under coverages 2. and 3. as provided therein.



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No credit of the charge for coverages 1. and 4. is allowable.

E-4 LITIGATION GUARANTEE

100 % of Basic Insurance Rate based upon the value of the particular estate or interest involved, minimum charge $150.00.

If the estate or interest involved is one where double charges are normally applied, then the charge herein contained shall also be doubled.

$20.00 for each Continuation Guarantee over one issued within a period of twenty-four (24) months of the original guarantee to cover the filing of a lis pendens.

NOTE: The provisions and charges under this section are not applicable for Trustee’s Sale Guarantees or Litigation Guarantees for judicial foreclosure of deeds of trust or mortgages. (See Section E-1)

E-5 JUDGMENT AND TAX LIEN GUARANTEE

The charge for a guarantee covering abstracts of judgment, federal tax liens and certificates of state tax liens is $50.00 per name, husband and wife considered as one name. The amount of insurance is the next multiple of $100.00 above the fee charged.


To the above charge, add $5.00 for each lien over two.

E-6 MECHANIC’S LIEN GUARANTEE

The charge for a guarantee covering notices of completion, notices of cessation of labor, notices of non-responsibility, claims of statutory liens for labor or materials and notices of the pendency of actions to foreclose such liens is $50.00 per parcel. The amount of insurance is the next multiple of $100.00 above the fee charged.

To the above charge, add $5.00 for each lien over two.

Insurance in excess of the minimum amount may be issued for the following additional charges:

20% of the Basic Schedule Rate for Owner’s Insurance

10% of the Basic Schedule Rate for Lender’s Insurance

NOTE: The charge for multiple Mechanic’s Lien Guarantees issued simultaneously on the same project will be based on the aggregate amount involved, plus $5.00 for each separate guarantee issued.



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E-7 PERSONAL PROPERTY ENCUMBRANCE GUARANTEE

The charge for a guarantee showing required data filed or recorded against personal property standing in the name of certain designated parties, and Notices of Federal Tax Liens against or matters disclosing bankruptcy proceedings for said parties, is $10.00 per name covered per year (husband and wife considered one name), minimum $50.00. The amount of insurance is the next multiple of $100.00 above the fee charged.


The charge for a guarantee reissued to cover the filing of documents is $15.00 provided the reissue is within sixty (60) days from the original issue date.

E-8 PROPERTY SEARCH GUARANTEE

The charge for a guarantee listing real property assessed or acquired in the name(s) of certain designated parties, as disclosed by the latest equalized assessment roll and the grantee-grantor indices of the County Recorder, subsequent to the date such roll was compiled, is $10.00 per name (husband and wife considered as one name), minimum $50.00, plus $5.00 for each parcel over two reported.

Upon request, the guarantee may include mortgages and deeds of trust acquired over a designated period in the same name(s) as that designated for the real property, in which case the over-all charge for the guarantee shall be computed at $10.00 per name for each year covered (husband and wife considered as one name), minimum $50.00, plus $5.00 for each parcel of real property over two reported, plus $5.00 for each mortgage or deed of trust over two reported.

The amount of insurance under the guarantee is the next multiple of $100.00 above the fee charged.

Insurance in excess of the amount based upon the fee charged may be issued at 35% of the Basic Insurance Rate applicable to the amount requested, minimum: $75.00

NOTE: On searches involving common names, or where extraordinary work is required to produce the guarantee, an additional charge commensurate with the work done shall be made.

E-9 RECORD OWNER GUARANTEE

The charge for a Guarantee showing the name of the record owner, recording information and legal description of the property is $10.00 per parcel.

The above charge applies on each issue, except said information may be furnished free of charge to all customers whose principal business is real estate transactions, or who are engaged in businesses allied thereto.



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Credit in the amount of the charge may be allowed on the charge for a report or policy of title insurance written six (6) months of the date of the Guarantee.

The amount of insurance under the Guarantee is the next multiple of $100.00 above the fee charged.

E-10 LOT BOOK GUARANTEE

The charge for a guarantee showing the name of the record owner and any deeds of trust or mortgages (including lien contracts in the form of Unruh Act deeds of trust, assignments of rent and agreements not to sell or encumber) affecting the property is $50.00 per parcel, plus $2.00 per document to include therein any of the following documents only: Homestead, Attachments, Notice of Completion, Agreement to Convey, Notice of Non-responsibility, Tax Deed, Financing Statements.

The amount of insurance under the guarantee is the next multiple of $100.00 above the fee charged.

Insurance in excess of the amount based upon the fee charged may be issued at 35% of the Basic Insurance Rate applicable to the amount requested, minimum $50.00

Credit in the amount paid for the guarantee may be allowed on the charge for a report or policy of title insurance within a period of six months of the date of the guarantee.

E-11 CHAIN OF TITLE GUARANTEE

A Chain of Title Guarantee is issued for a named party, covering recorded instruments pertaining to a specified parcel of land over a designated period of time. The standard insurance amount is $1,500.00. Insurance in excess thereof may be issued for an additional charge based on the Basic Insurance Rate per $1,000.00 for increased insurance in excess of the standard amount.

A. Except under the limited conditions provided for in Paragraph B below, the charge shall be $40.00 Basic Charge for each chain of title, plus $5.00 for each item reported.

B. For a limited service for the benefit of a lender only, provided such is related to the issuance of a policy of title insurance based upon a full examination of title, the charge shall be:

1. No charge where the chain of title is to cover the period of time not to exceed six (6) months prior to the date the loan is recorded.

2. $10.00 for a chain of title covering the period of time not to exceed forty-five (45) days subsequent to the date of issuance of the lender’s insurance.



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E-12 BANKRUPTCY GUARANTEE

The charge for a guarantee disclosing bankruptcy proceedings for particular persons over a designated period of time is $40.00 per name, husband and wife being considered as one name.

The amount of insurance is the next multiple of $100.00 above the fee charged.

E-13 RECORDER’S INDEX GUARANTEE

A listing of all documents found in the grantor/grantee indices or as required by the customer.

$20.00 per hour, minimum $40.00, plus $4.00 for each item reported.

Insurance in excess of the amount based upon the fee charged may be issued at 35% of Basic Insurance Rate applicable to the amount requested.

E-14 LIMITED TRUSTEE’S SALE GUARANTEE

A. High Volume Limited TSG Accounts.

The charge for a Ltd TSG for customers who open a high volume of orders for Ltd TSG’s, as hereinafter defined, is as follows:

LIABILITY TOTAL CHARGE

Under $75,000 $325.00

$75,000 to $450,000 $350.00

For each $5,000 of liability above $450,000, add $7.00 up to and including $1,000,000

$1,120.00

For each $5,000 of liability above $1,000,000, add $3.00 up to and including $10,000,000

$6,520.00

For each $5,000 of liability above $10,000,000, add $2.70

A “High Volume Account” is a customer who commits to order a minimum of 300 Ltd TSG’s per calendar quarter. In order to qualify as a High Volume Account a customer must submit a letter which states their intent to open a minimum 300 Ltd TSG orders per calendar quarter and specifies the offices with which such orders will be placed and name of the Company’s account manager for such customer. The Company will review the number of orders for Ltd TSG’s actually ordered by the customer at the end of each calendar quarter to determine whether the customer qualifies as a High Volume Account. In the event a customer commences ordering Ltd TSG’s after the start of a calendar



57

quarter, the minimum number of orders to qualify as a High Volume Account for such quarter will be prorated accordingly.

There is no additional charge for the first three Date Down Endorsements to a Ltd TSG ordered by a High Volume Account; thereafter, the charge for each additional Date Down Endorsement to an Ltd TSG is $50.00.

There is no additional charge for a LTSG Publication Endorsement to a Ltd TSG ordered by a High Volume Ltd TSG Account.

B. FNMA Limited TSG’s

The charge for a Limited TSG issued with respect to a deed of trust owned by FNMA is with an amount of liability of $250,000.00 or less is $225.00.

The charge for the first Date Down Endorsement to a Limited Trustee's Sale Guarantee is $50.00. Thereafter, the charge for each additional Date Down Endorsement to a Limited Trustee's Sale Guarantee is $25.00.

C. A Ltd TSG may be converted to a Trustee's Sale Guarantee issued with respect to the same Notice of Default, and 50% of the charge paid for the Limited Trustee’s Sale Guarantee shall be credited against the charge for the Trustee's Sale Guarantee upon receipt and cancellation of the Ltd TSG.

[New Rate Effective 10/10/2008]

E-15 MORTGAGE MODIFICATION GUARANTEE

Assures the validity, priority and enforceability of a Recorded Mortgage, if any, has not been diminished or lost by reason of a modification or amendment.

$125.00 Flat Fee. Amount of Liability is the unpaid principal balance of the loan not to exceed $250,000 liability.



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PART F – MISCELLANEOUS REPORTS AND OTHER TITLE SERVICES

F-1 GOVERNMENTAL CONTRACTS

The charge for reports, policies or other services of the Company for any governmental agency may be as agreed upon by the Company and such agency and set forth in a contract between the parties.

F-2 MECHANIC’S LIEN INSURANCE

The charge for a CLTA endorsement insuring priority of the deed of trust over possible mechanics’ liens is 10% of the Basic Insurance Rate for the amount of the loan, minimum $10.00.

F-3 VACATED STREET OR ALLEY, EASEMENT OR RIGHT-OF-WAY COVERED IN CONNECTION WITH THE ISSUANCE OF A POLICY

The vacated portion of a street or alley, or an easement or right-way-way appurtenant to or adjoining the land under search is considered as non-contiguous to the abutting parcel unless it has been previously insured in the same ownership with the abutting parcel. The minimum additional charge is __________? (nothing in master doc)

F-4 EASEMENT AND/OR RIGHTS-OF-WAY

A $10.00 per parcel minimum for a preliminary report of title, including the issuance of a policy of title insurance, within a period of thirty-six (36) months from the date thereof with insurance up to $4,000.00, regardless of purchase price of property.

Insurance in excess of $4,000.00 shall be charged on an increased liability basis at the rate applicable under the Basic Insurance Rate for each unit of excess insurance issued.

For special contracts with Federal, State or Municipalities or their agencies, see Section F-1.

F-5 REPORT ON OWNERSHIP OF EASEMENT OR RIGHT-OF-WAY, OR REVERSIONARY INTEREST IN PROPERTY UNDER SEARCH

The charge for a report showing the ownership of an easement, right-of-way, reservation or reversionary interest affecting the property on which a policy is to be issued is $20.00.

This charge may be waived if the policy to be issued is an ALTA or Extended Coverage form, and the fee therefor exceeds Basic Schedule. The charge may be waived if the search discloses any such right to be vested in the owner of the fee title or an affiliated or subsidiary corporation of such record owner.



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F-6 BINDERS (NO CONCURRENT TRANSACTION)

50% of Basic Insurance Rate based upon the full value of the estate or interest involved in a proposed transaction, minimum $40.00, maximum $500.00.

This service provides assurance in the form of a binder for a period of not to exceed twenty-four (24) months to cover a future sale, lease or loan transaction by the vested owner, provided no documents are recorded subsequent to the issuance of the report on the title, or as of the date of the issuance of said binder.

If, within the 24-month period the sale, lease or loan is consummated, the charge for a policy of title insurance thereon, shall be the policy charge applicable for the type of insurance issued, plus an additional charge of 10% of the Basic Insurance Rate based upon the amount of insurance issued for use of the binder, with full credit allowed for the initial binder charge.

NOTE: If a transfer of title or loan is recorded concurrently with the issuance of the binder, then this Section is not applicable. The charges will then be governed by the appropriate section applicable to the type of transaction.

F-7 POLICY ISSUED ON PROPERTY IN ANOTHER COUNTY

Property divided by a county line is construed as noncontiguous. The rate applicable in each separate county shall apply, based upon the full value of the estate or interest and the type of insurance allotted to each county.

F-8 ELIMINATION OF EXCEPTION OF POSSIBLE MECHANICS’ LIENS

Upon completion of construction, an appropriate endorsement insuring against loss by reason of any possible mechanics’ liens may be attached to a Company policy for the benefit of a purchaser from the owner/builder or for the benefit of a lender. The charge for an owner, based on the amount of the policy, is 20% of the Basic Insurance Rate. The charge for a lender, based on the amount of the loan, is 10% of the Basic Insurance Rate.

F-9 INSPECTION CHARGE

If the issuance of a report or endorsement requires a physical inspection of the property, a minimum charge of $10.00 is made. If an order is cancelled after an inspection has been made, the charge therefor is added to the fee for cancellation of the order.

No inspection charge will be made for the issuance of a policy requiring an inspection, unless in the opinion of the Company such charge is warranted, based upon a consideration of the time spent and distance traveled.



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F-10 RECORDINGS AT ONE-MINUTE INTERVALS

If, because of the customer’s requirements, it is necessary for certain documents to be recorded at one-minute intervals from other documents on the same day, and the policies issued as of the respective times, the charges for the policies are computed as though the documents had been recorded at the same time and the policies issued at the same time.

F-11 ASSUMPTION OF LIABILITY

Whenever documents of any kind are recorded in accordance with instructions which impose a definite liability upon the Company, the same charges applicable for a policy normally issued to insure such documents will immediately accrue upon recording.

F-12 CHARGES FOR SERVICES NOT SCHEDULED HEREIN

Title insurance or other services of the Company may be requested which are not described in this Schedule and for which no charge is set forth. In such instances, a charge will be made which, in the opinion of the Company, appears to be consistent with the general pattern of pricing provided herein.

F-13 ADDITIONAL PARCEL OR CHAIN OF TITLE CHARGE

For each parcel over one, a charge of $50.00 is added to the applicable rate.

In the event the search as to a parcel involves more than one chain of title, such as two or more undivided ownerships arising at an earlier date, and the work time required for the search of more than one chain of title is unusual in character, an additional charge may be made which, in the opinion of the Company, appears necessary to cover such additional work.

F-14 TAX AND ASSESSMENT EXAMINATION

No additional charge shall be made for the examination of municipal taxes and assessments, unless in the opinion of the Company such charge is warranted in consideration of either the distance traveled or the surcharge, if any, imposed by the taxing authority in connection with the examination.

F-15 MINIMUM CHARGES

The charges set forth herein are minimum charges. Additional charges will be made when unusual conditions of title are encountered, or when special risks are insured against, or when special services are requested.

F-16 INTENTIONALLY DELETED



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62

PART G – CANCELLATIONS

G-1 CANCELLATION CHARGE (Preliminary Report)

After a preliminary report has been issued and the Company is advised that it will not be asked to write a policy, the charges for the title work and report shall be as follows:

The charge for a preliminary report will be that amount which in the opinion of the Company is proper compensation for the services rendered, but in no event shall said charge be less than the minimum rate for a Standard Owner’s Policy.

This Section shall not apply to Sections B-23, B-24 and B-25.

G-2 CREDIT FOR REPORTS ON SUBSEQUENT POLICIES

A. Where no major change in the title has occurred subsequent to the original report, the order may be reopened and all or a portion of the charge for the report may be credited on a subsequent policy charge within the following time periods from the date of the report.

Within 24 months: 100% credit of the report charge to the policy charge.

Over 24 months but within 36 months: 50% credit of the report charge to the policy charge.

Over 36 months: No credit for the report charge.

B. Where a major change in the title has occurred subsequent to the date of the report and a policy is to be issued covering additional documents, the insurance rate applicable shall be charged and no credit will be allowed for amounts previously billed.



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PART H – ENDORSEMENTS

The charges contained herein are minimum charges and are keyed to the coverages specifically referred to in each endorsement. Additional charges may be made for inspections or additional work where warranted.

When requested to issue concurrently a series of the same type of endorsement on a single chain of title in the same tract or subdivision, a single fee may be made based upon the aggregate amount of the estate or interest covered, plus $10.00 for each separate endorsement issued. The division of the total amount of the charge by the number of endorsements issued shall be the charge allotted to each endorsement.

Special Note: Some of the endorsements listed herein are available only upon special request and upon approval of Underwriting Department. When requested, the Company will issue for the amount set forth herein.

Short Term Rate is not applicable to endorsement fees.

CLTA NO.

DESCRIPTION

INSURES

CHARGE (% of Insur. Rate)

100

Restrictions, etc. Specific portions

Lender: ALTA

No charge-issued only at date of policy

100.1

Restrictions, etc. For any specific portion of Endorsement 100.1

Lender: CLTA Lender: CLTA

20% 10%

100.2

Comprehensive (ALTA 9)

Lender: ALTA


100.4

Present violation of particular restrictions

Lender: ALTA Lender: CLTA

No charge 10%

100.5


Owner: ALTA Owner: CLTA

No charge 20%

100.6

Present & future violation of restrictions


No charge 20%

100.7



No charge 20%



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CLTA NO.

DESCRIPTION

INSURES


100.8

Present & future violation of restrictions

Owner: ALTA & CLTA

No charge 20%

100.12

Right of Enforcement under CC&R’s is ineffective

Lender: ALTA

$25.00

100.13

Upkeep assessments subordinate

Lender: ALTA

Same as 100.12

100.17

Modification of restrictions

Owner:All Policies Lender:All Policies

20% 10%

100.18

Right of re-entry ineffective and unmarketability of title because of right of entry

Lender: All Policies

$25.00

100.19

No present violations of CC&R’s

Owner: ALTA Owner: CLTA Lender: ALTA Lender: CLTA

No charge 20% No charge 10%

100.20

Present violations of CC&R’s attempted enforcement



100.21

Approval of plans required by CC&R’s



100.23

Right of Surface Entry under oil lease

Lender: ALTA

10%

100.24

No Right of Surface Entry - under oil lease


$25.00

100.25

Subsurface Oil Lease does not violate CC&R’s

Lessee: CLTA Leasehold

20%

100.26

Surface entry top 500 feet F.H.A.

Owner: CLTA Lender: ALTA Lender: CLTA

20% 10% 10%



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CLTA NO.

DESCRIPTION

INSURES


100.27

Modification of Part of 100, re: Unmarketability of title-present violation

Lender: ALTA

No charge

100.28

Violation of particular provisions of CC&R’s by future construction


20% 10%

100.29

Mineral rights damage to improvements


20% (maximum $500.00) $25.00

101

Priority Insurance M/L

Lender: CLTA

10%

101.1

M/L Insurance after Notice of Completion

Owner:All Policies

20%

101.2

M/L Insurance after Notice of Completion

Lender:All Policies

10%

101.3

M/L Insurance-No Notice of Completion

Lender:All Policies

10%

101.4

M/L Insurance-No Notice of Completion

Owner:All Policies

20%

101.5

M/L Insurance-Notice regular and no record liens, limited liability

Lender:All Policies

10% plus $5.00 for each lien, plus $5.00 for each parcel

101.6

M/L Insurance-Notice regular and no record liens, liability same as policy

Lender:All Policies

Charge same as 101.5.

101.8

M/L Insurance-Priority over M/Ls arising out of off-site work, financing by separate loan

Lender:All Policies

15%

101.13

M/L Insurance-after Notice of Completion

Lender:All Policies

10%

102.4

Foundations-no violation, CC&R’s, no encroachments


10% (minimum $100.00)



66

CLTA NO.

DESCRIPTION

INSURES


102.5

Foundations-no violation, CC&R’s, no encroachments onto easements or adjoining land

Lender:All Policies

15% (minimum $100.00)

102.6

Foundations-no violation, CC&R’s, no encroachments on portion of land described in policy

Lender: ALTA & CLTA

10% (minimum $100.00)

102.7

Foundations-no violation, CC&R’s, no encroachment on portion of land described in policy or easements

Lender: ALTA & CLTA

10% (minimum $100.00)

103.1

Easement, damages from use or maintenance


$25.00; 10%

103.3

Easement, removal of improvements


$25.00; 10%

103.4

Easement, providing ingress and egress


20% (minimum $150.00)

103.5

Surface rights to extract water


20% 10%

103.6

No encroachments on specific easements

Lender: ALTA

10%

103.7

Land abuts on existing street

Owner: ALTA Owner: CLTA Lender: ALTA

No charge 20% (minimum $100.00) No charge-if attached at time of original policy. 10% if attached subsequent to policy issuance (minimum $100.00)

103.8

Damage to present or future improvements by

Lender: ALTA

10% (minimum $100.00)

103.9

Encroachment on public street

Lender:All Policies

10% (minimum $100.00)



67

CLTA NO.

DESCRIPTION

INSURES


103.10

Surface owner insured against use of surface by owner of land below the horizontal division of land

Owner: CLTA

20%

104

Assignment of beneficial interest

Assignee: ALTA

40% (minimum $100)

104A


Assignee: CLTA

30% (minimum $100)

104.1


Assignee: All Policies

$50.00

104.4

Collateral Assignment of beneficial interest


Same as 104.1.

104.6

Assignment of Lessor's interest

Lender:All Policies

Same as 104.1.

104.7

Assignment of Rents

Lender:All Policies

Same as 104.1.

104.8

Limited Assignment of beneficial interest

Assignee: ALTA

30% (minimum $100)

104.9


Assignee: CLTA

20% (minimum $100)

104.10



Same as 104.1.

104.11

Limited Collateral Assignment of beneficial interest


Same as 104.1.

105

Insuring two or more deeds of trust

Lender:All Policies

No charge

105.1

Insuring two or more deeds of trust

Lender:All Policies

No charge

107.1

Allocation of Liability

All Policies

No charge

107.2

Increased liability

All Policies

The insurance rate applicable for liability assumed in excess of the amount shown on the existing policy.



68

CLTA NO.

DESCRIPTION

INSURES


107.5

Constructive severance of improvements in lease

Lender: Leaseholder

10% (minimum $100.00)

107.9

Naming an additional insured

All Policies

No charge if attached at original issue, $100.00 per subsequent issue.

107.10

Naming an additional insured

All Policies

No charge

107.11

Non-Merger

Lender: ALTA

10%

108.7

Additional advance

Lender: CLTA

70% based on amount of advance. If priority insurance given, add 15%. Minimum Charge applicable.

108.8

Additional advance

Lender: ALTA

80% based on amount of advance. Minimum Charge applicable.

108.9

Additional advance DVA

DVA-Owner

Section A-9 applies on amount of advance. Add 15% for 101 series.

108.10

Revolving Credit increased limit

Lender: ALTA : CLTA

85% based on the amount of increase 75% based on the amount of increase

109

No transfer of lessor's benefits in community lease

Owner: CLTA

20%

110.1

Encumbrance deleted

Owner: Lender:

Charge dependent upon coverage to be given. (Minimum $100.00)

110.3

Release of mineral interest to owner surface



110.4

Validity of Modification

Lender: ALTA

15% (minimum $100.00)



69

CLTA NO.

DESCRIPTION

INSURES


110.5

Modification of Deed of Trust

Lender: ALTA

35% (minimum $250.00)

110.6


Lender: CLTA

30% (minimum $250.00)

110.7

Enforcement of lien encumbrance

All Policies

Charge dependent upon coverage to be given (minimum $100.00)

110.9

Environmental Lien

Lender:All Policies

No charge.

110.10

Modification and additional advance

Lender: ALTA

70% based on amount of Advance. Minimum Charge Applicable.

110.11


Lender: ALTA

35% (minimum $250.00).

111

Partial Reconveyance, no impairments


15% based on unpaid balance of encumbrances (minimum $100.00, maximum $250.00).

111.1

Partial Reconveyance, no impairments


15% based on unpaid balance of encumbrances (minimum $100.00, maximum $250.00).

111.2

Subordination Agreement, no impairments

Lender:All Policies ALTA: CLTA:

10% if attached concurrently with issuance of policy. 30% if attached subsequent to the issuance of policy. 20% if attached subsequent to the issuance of policy.

111.3

Partial reconveyance, no impairments of lien-no encroachment designation of improvements

All policies

20% (minimum $250.00)

111.4

Housing and Urban Development Endorsement

Lender:All Policies

10% based on the unpaid balance of the loan, (minimum $100.00, maximum $250.00)

111.5

Variable Rate

Lender:All Policies

No charge



70

CLTA NO.

DESCRIPTION

INSURES


111.6

Variable Rate

Lender:All Policies

No charge

111.7

Variable Rate

Lender:All Policies

No charge

111.8

Variable Rate, Negative Amortization

Lender: ALTA

No charge

111.9

FNMA Balloon

Lender

No charge

111.10

Revolving Credit (Optional Advances)

Lender

No charge

111.11

Revolving Credit (Obligatory Advances)

Lender

No charge

112

Bondholder's Policy

Lender: CLTA

No charge

112.1

Bondholder's Policy

Lender: ALTA

No charge

112.2

Bondholder's Policy

Lender: CLTA

No charge

114

Coinsurance

All Policies

Division of fees between title companies by agreement.

114.1

Coinsurance, joint and several liability

All Policies


114.2

Coinsurance-Combination several, and joint and several

All Policies


115

Condominium Assessment


$25.00 $25.00

115.1

Condominium Endorsements

All Policies

No charge if attached concurrently with issuance of policy

115.2

P.U.D. Endorsement

All Policies

No charge if attached concurrently with issuance of policy



71

CLTA NO.

DESCRIPTION

INSURES


116

Designation of improvements, land locations

Lender: ALTA

No charge if attached concurrently with issuance of policy. If attached subsequent to issuance of policy, 15% on single policies.

116.1

Description in the policy is the same as the property shown in survey

Owner: CLTA Lender: CLTA Lender: ALTA

20% 10% No charge

116.2

Modification of 116 to cover condominiums

Owner:CLTA Lender: ALTA Lender: CLTA

20% 10% No charge

116.3

Description after map


20% 10%

116.4 Contiguity – Other Land ALTA 19.1


20% 10% (No charge if all parcels are part of land covered in policy.)

116.5

Manufactured housing--ALTA #7

All Policies

$50.00 if issued concurrently with policy.

116.6

Manufactured housing--CLTA Form

All Policies

$50.00 if issued concurrently with policy.

116.7

Subdivision Map Endorsement

All Policies

10%

119

Lease and trust deed insurance on both


20%

119.1

Leasehold

Lessee: CLTA Lender: CLTA Lender: ALTA

No charge No charge No charge

119.2

Validity of Lease

Lender: ALTA

20% (minimum $250.00)

119.3

Circuitry of Lien makes priority doubtful

Lender: ALTA

No charge



72

CLTA NO.

DESCRIPTION

INSURES


119.4

Bondholders-Valid Sublease

Lender: ALTA

10%

120.2

"Oil Co." Endorsement. Trust Deed subordinate to lease and note not examined

Lessee: Oil Leasehold

20%

122

Priority of Advance over intervening matters

Lender:All Policies

Base policy is full amount of loan, 10% based upon amount of advance (minimum $100.00)

122.2

Priority of Advance over intervening matters-limitation of liability

Lender:All Policies

Base policy is in the amount of initial advance only, requiring an increase in liability, 70% based upon amount advanced (minimum $300.00)

123.1

Applicable Zoning

Owner or Lender: All Policies

10% (minimum $100.00)

123.2

Additional Zoning coverage

Owner or Lender: All Policies

15% (minimum $150.00)

124.1

Affirmative and Negative Covenants in Deeds or Agreements, except Leases (Civil Code §1468)


20% 10%

124.2

Lessor's Affirmative Covenants (Civil Code §1469)

Owner: ALTA & CLTA Lender: ALTA & CLTA

20% 20% Note: Will include the 124.3 if issued concurrently at no additional charge.

124.3

Lessor's Negative Covenants (Civil Code §1470)

Owner: ALTA & CLTA Lender: ALTA & CLTA

20% 10% Note: Includes 124.2 if issued concurrently at no additional charge.



73

CLTA NO.

DESCRIPTION

INSURES


125

Truth-in-Lending Right of Rescission

Lender: ALTA & CLTA

10% based on amount of loan (minimum $100.00)

203

Modified 100-Owner

Owner: ALTA


206

Modified 100-Unimproved Land

Lender: ALTA


209

Construction Loan Compliance

Lender: ALTA

10%

212

Date-Down

Lender or Owner

Reissue rate

213

Extension of Due Date (110.5 modified)

Lender: ALTA

$300

214

Non-Imputation

Owner

10%

215

Foreign Currency

Lender: ALTA

No charge

217

Inflation

Lender or Owner

50% of increased liability

218

Recharacterization

Lender

10%

219

Shared Appreciation

Lender

No charge (policy liability to cover the increase)

221

Interest Rate Swap

Lender

10%

224

Aggregate Liability

No charge

227

Mobile Home Land and Unit

Lender

No charge (policy liability to cover increase)

230

Partnership-Excess Insurance

Owner

Policy rate

233

Partnership-Insuring Interest of Incoming Partner

No charge (attached to policy insuring incoming partner)

239

Usury

Lender

$500.00 (Standard Form) 20% ($500 minimum ) (Modified Form)



74

CLTA NO.

DESCRIPTION

INSURES


242

Eliminates Access Coverage

No charge

243

Eliminates "Doing Business" Exclusion

10% (minimum $100)

244

Modification of ALTA Policy to ALTA Leasehold Policy

Owner or Lender

No Charge

245

Optionee

Optionee

100% of Basic Insurance Rate for Standard Coverage. 125% of Basic Insurance Rate for Extended Coverage. Amount of insurance may be either option price or purchase price.


Schedule of Fees of Charges – State of Nevada Effective Date: September 23, 2010

75

PART H – ESCROW FEES AND CHARGES

CHARGES FOR SERVICES NOT SCHEDULED HEREIN

Title and escrow services of the Company may be requested which are not described in this schedule and for which no charge is set forth. In such instances a charge will be made which, in the opinion of the Company, appears to be consistent with the general pattern of pricing provided herein.

SENIOR CITIZEN RATE

Principals to a given transaction who qualify as Senior Citizens (55 years of age and over) shall be charged 70% of their portion of the escrow fee, provided that valid identification is provided. This discount shall only be applicable on residential resale or refinance transactions wherein the principal resides in the subject property. This discount may not be used in combination with any other discount.

INVESTOR RATE

This rate is available for individuals, groups of individuals or entities customarily engaged in real estate investments. The parties must provide reasonable proof that they currently hold title to or have transferred title to 2 (two) or more investment properties within the past 12 (twelve) months to qualify for this rate. The charge is 70% of their portion of the escrow fee. This discount may not be used in combination with any other discount.

MILITARY DISCOUNT

Any person on active military duty or a veteran of the U.S. Armed Forces is shall be charged 80% of their portion of the escrow fee. A copy of current military identification or a copy of the DD-214 (Certificate of Release or Discharge from Active duty) must be provided. This discount may not be used in combination with any other discount.



76

FIRST TIME HOMEBUYER RATE

A first time homebuyer of an owner-occupied residential property shall be charged 75% of their portion of the escrow fee, provided that reasonable evidence is presented that this is their first home. Applies to All Counties except Clark, Lincoln and Nye. This discount may not be used in combination with any other discount.



77

I. BASIC SCHEDULE FOR ESCROW SERVICE FOR CLARK, NYE AND LINCOLN COUNTIES

SALE ESCROW CHARGES Transaction Amount

From To Base Rate

Up to $100,000 $600.00

$100,001 $200,000 $700.00

$200,001 $300,000 $800.00

$300,001 $400,000 $900.00

$400,001 $500,000 $1,000.00

$500,001 $600,000 $1,100.00

$600,001 $700,000 $1,200.00

$700,001 $800,000 $1,300.00

$800,001 $900,000 $1,400.00

$900,001 $1,000,000 $1,500.00

$1,000,001 $1,100,000 $1,600.00

$1,100,001 $1,200,000 $1,700.00

$1,200,001 $1,300,000 $1,800.00

$1,300,001 $1,400,000 $1,900.00

$1,400,001 $1,500,000 $2,000.00

$1,500,001 $1,600,000 $2,100.00

Above $1,600,000 $2,200.00



78

II. LOAN RATE

The charge for a loan escrow which involves a new loan secured by a deed of trust encumbering real property is $300.00.

III. SUBDIVISION SALE ESCROW RATE

Provided that a direct operation of the Company furnishes full title insurance and escrow services in connection with first sales of lots in a subdivision, the developer’s or builder’s share of the escrow fee will be calculated based on a total escrow fee of $150.00 per lot. This applies only to the developer’s or builder’s share of the escrow fee, which will otherwise be determined under Section I. The charge may be increased depending on the work and liability involved.

IV. HIGH VOLUME REO SALE ESCROW RATE

A. Provided that a High Volume Account opens REO Sale Escrows and related title insurance orders with the Company’s direct or agency operations in connection with sales of REO properties, the portion of the escrow fee paid by the High Volume Account seller shall be $350.00. This applies only to the sellers’ share of the escrow fee. The buyers’ share of the escrow fee will be one half of the sale escrow fee set forth in Section I.

B. “REO Sale Escrows” are escrows for the sale of property by a lender who has acquired such property pursuant to a foreclosure sale held pursuant to a deed of trust or mortgage in favor of such lender or by a deed in lieu of foreclosure of such deed of trust or mortgage.

C. A “High Volume Account” is a customer who commits to open a minimum of 75 REO Sale Escrows and related title insurance orders per calendar quarter. In order to qualify as a High Volume Account, a customer must submit a letter which states their intent to open a minimum 75 REO Sale Escrows and related title insurance orders per calendar quarter and specifies the offices with which such escrows and orders will be placed and the name of the Company’s account manager for such customer. The Company will review the number of REO Sale Escrows and related title insurance orders actually opened by the customer at the end of each calendar quarter to determine whether the customer qualifies as a High Volume Account. In the event a customer commences opening REO Sale Escrows and related title insurance orders after the start of a calendar quarter, the minimum number of REO Sale Escrows and related title orders to qualify as a High Volume Account for such quarter will be prorated accordingly.



79

V. FNMA REO Sale Escrow Rate

The escrow fee for a sale escrow involving the sale of property improved with one-to-four family residential dwellings, residential condominium unit or residential co-op unit by Federal National Mortgage Association (“FNMA”) which acquired such property or unit pursuant to a foreclosure or deed-in-lieu of foreclosure is $300.00 plus 50% of the sale escrow fee set forth in Section I.

VI. PROPERTY INSPECTION FEE

For the physical inspection of a property required for the issuance of title insurance coverage or otherwise, the following charge shall be made:

Residential One-to Four Family Properties - $100.00

All Other Properties - $300.00

VII. SHORT SALE TRANSACTIONS

Due to the extended work requirements necessary to complete the escrow function of a Residential Short Sale transaction including the preparation of multiple HUD-1(s), managing and facilitating additional parties to the transaction such as third party negotiators, the heightened demand for immediate attention and response, additional payoff requirements and the significant increase in liability incurred due to the overall complexity of the transaction, an additional $500.00 charge shall be added to the charge otherwise payable by the seller in any such transaction.

VIII. CONTRACT FOR SALE AND ALL INCLUSIVE TRUST DEED TRANSACTIONS

Due to the extended work requirements necessary to complete the escrow function of Contracts of Sales and All Inclusive Trust Deed (AITD) transaction, including the collection and review of prior mortgage documents being wrapped by either the contract or AITD, the preparation of additional documents required and the significant increase in liability incurred due to the overall complexity of the transaction, an additional $500.00 charge shall be added to the charge otherwise payable by the seller in any such transaction.



80

IX. ESCROW ONLY FEE

For transactions in which the Company does not perform title insurance services in connection with the transaction, an additional $300 fee per transaction shall be added to any transaction escrow charge otherwise provided in this part.

X. MOBILE HOME TRANSACTIONS

Due to the extended work requirements necessary to complete the escrow function associated with transferring a mobile home to real property with Manufactured Housing, an additional $500.00 per transaction shall be added to any transaction escrow charge otherwise provided in this part, the additional fee to be paid by the buyer or seller as negotiated between the principles of the transaction.



81

ACCOUNT SERVICING FEES

ACCEPTANCE AND SET-UP FEES

A. Loan/Land Contract Account Resulting from a current Company Escrow $ 60.00B. Loan/Land Contract Account Received from an outside source $ 150.00C. Lease Payment Account $ 125.00D. Impound Account for new account accepted with monthly accounts only

covers up to 3 items; each additional item requires an additional $20.00 set up fee

$ 100.00

E. Impound Account added to existing account accepted with monthly accounts only covers up to 3 items; each additional item requires an additional $20.00 set up fee

$ 100.00

F. Additional account balance within same file $ 25.00G. The Acceptance and Set-up Fees charged to a builder, contractor,

developer, subdivider or other volume user shall be 70% of the foregoing charges for projects of 1 to 100 units and 60% of the foregoing charges for projects of 101 or more units

STANDARD SERVICE FEES

Fees due at the same time and in addition to the regularly scheduled payments for receiving, processing and disbursing payments and maintaining accounts. A. Payments scheduled: Monthly Quarterly Annual Semi-Annual Primary Account $7.00 $21.00 $42.00 $84.00



Fees for the following services are due for each month the account is under service, and are payable in addition to and at the same time as the standard fees. B. Impound account (up to 3 items) $ 7.00 C. Each additional impound item $ 3.50 D. Each payee over one $ 3.50 E. Accounts requiring special review $ 3.50

(Special interest rate, or computation, unusual late charges, special disbursements, etc.)

FEES FOR ADDITIONAL SERVICES

A. Statements: status, assumption or payoff ......................................................... $75.00 B. Change of Payor/Payee 1. (Through escrow; in addition to statement fee) ............................................. $75.00 2. (Non-escrow) ............................................................................................... $100.00 3. (Estate Related) ............................................................................................. $50.00 C. Assignment of funds (acceptance) ..................................................................... $60.00 (Set up of separate balance, if required) ............................................................ $25.00 D. Modification of account terms ............................................................................. $75.00 Extension of All Due Date ................................................................................... $50.00 E. Return of dishonored check by maker’s bank .................................................... $25.00 (per account affected) F. Account Closing .................................................................................................. $50.00 G. Partial Release of property; only upon specific request: 1. if appropriate release document in file ........................................................... $75.00 2. if appropriate release document not in file .................................................. $100.00 H. Add and demand (taxes, insurance, reinstatement) ........................................... $50.00 I. Adjustment required due to parties’ actions outside of servicing agent (each occurrence; each account) ....................................................................... $25.00



83

J. Withdrawal of account from servicing ................................................................. $50.00 K. Reinstatement of account (impound account extra) ........................................... $75.00 L. Amortization schedule (straight) .............................................................................................................. $15.00 (variable) ............................................................................................................. $20.00 M. Copies of cancelled checks .................................................................................. $5.00 N. Credit Verifications .............................................................................................. $15.00 (charged to the authorizing party and includes one full year of payment histories) O. Duplicate Year End Statements ........................................................................... $5.00 P. Copies of account histories (per year or portion of) ............................................. $5.00 Q. Manual check disbursements ............................................................................. $25.00 R. Special handling of disbursements ..................................................................... $20.00 (In addition to any charges of outside vendors) S. Demand late notice (each) .................................................................................... $5.00 T. Copies of documents from file ........................................................................... $.50 ea U. Initial set up for interest bearing account ............................................................ $50.00 Each additional deposit or withdrawal ................................................................ $25.00 V. Payment changes due to prior encumbrance adjustments ................................ $10.00

GENERAL

The Company reserves the right to charge additional fees in unusual circumstances. Extra charges are payable at a rate of $60.00 per employee hour. All recording, filing, and Trustee’s fees are payable in addition to fees stated herein. Fees other than those payable at the same time as regularly scheduled payments, will be payable in advance.

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