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Exclusions In addition to the Exceptions in Schedule B, you are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of any law or government regulation, This includes building and zoning ordinances and also laws and regulations concerning: · land use . improvements on the land · land division . environmental protection This exclusion does not apply to violations or the enforcement of these matters which appear in the public records at Policy Date. This exclusion does not limit the zoning coverage described in Items 12 and 13 of Covered Title Risks. 2. The right to take the land by condemning it, unless: . a notice of exercising the right appears in the public records on the Policy Date Conditions . the taking happened prior to the Policy Date and is binding on you if you bought the land without knowing of the taking 3. Title Risks: . that are created, allowed, or agreed to by you · that are known to you, but not to us, on the Policy Date-unless they appeared in the public records · that result in no loss to you . that first affect your title after the Policy Date-this does not limit the labor and material lien coverage in Item 8 of Covered Title Risks 4. Failure to pay value for your title, 5. Lack of a right: · to any land outside the area specifically described and referred to in Item 3 of Schedule A or . in streets, alleys, or waterways that touch your-land This exclusion does not limit the access coverage in Item 5 of Covered Title Risks. 1. Definitions a. Easement-the right of someone else to use your land for a special purpose. b. Land-the land or condominium unit described in Schedule A and any improvements on the land which are real, property. c, Mortgage-a mortgage, deed of trust, trust deed or other security instrument. d. Public Records-title records that give constructive notice of matters affecting your title-according to the state statutes where your land is located. e. Title-the ownership of your interest in the land, as shown in Schedule A. 2. Continuation Of Coverage This Policy protects you as long as you: · own your title or · own a mortgage from anyone who buys your land or · are liable for any title warranties you make This Policy protects anyone who receives your title because of your death. 3. How To Make A Claim Page 2 a. You Must Give The Company Notice Of Your Claim If anyone claims a right against yo'ur insured title, you must notify us promptly in writing. Send the notice to the issuing office or Chicago Title Insurance Company Claims Department 171 North Clark Street Chicago, Illinois 60601-3294 Please include the Policy number shown in Schedule A, and the county and state where the land is located. Our obligation to you could be reduced if: . you fail to give prompt notice and · your failure affects our ability to dispose of or to defend you against the claim b. Proof Of Your Loss Must Be Given To The Company You must give us a written statement to prove your claim of loss. This statement must be given to us not later than 90 days after you know the facts which will let you establish the amount of your loss. The statement must have the following facts: · the Covered Title Risks which resulted in your loss · the dollar amount of your loss . the method you used to compute the amount of your loss You may want to provide us with an appraisal of your loss by a professional appraiser as a part of your statement of loss. We may require you to show us your records, checks, letters, contracts, and other papers which relate to your claim of loss. We may make copies of these papers. We may require you to answer questions under oath. Our obligation to you could be reduced if you fail or refuse to: · provide a statement of loss or · answer our questions under oath or · show us the papers we request, and · your failure or refusal affects our ability to dispose of or to defend you against the claim. Continued on page 3