CLTA Endorsements

CLTA Endorsements
Indexed by Subject
Access
Additional Advance (Optional)
Advance (Obligatory)
Assignments
Assessments
Bonds
Coinsurance
Condemnation
Contiguity
Covenant, Conditions & Restrictions (CC & Rs)
Deeds of Trust
Department Of Veterans' Affairs (CA)
Descriptions
Easements
Encroachments
Environmental Protection Liens
Exceptions
Foreign Currency (Lender)
Foundations
Improvements
Inflation Protection
Leases
Mechanics' Liens
Minerals
Mobilehomes & Manufactured Housing Units
Modification
State Of California
Streets
Subdivision/Subdivision Map Act
Subordination
Surface
Surface Entry
Survey-Map-Plat
Taxes
Trust Deeds
Unmarketability
Usury
Water
Zoning

ACCESS
CLTA Form 103.11 (Access and Entry)
Provides insured with coverage against loss sustained in the event that a certain described easement does not provide an identified portion of the land with both actual vehicular and pedestrian access to and from an identified physically open and publicly maintained street.

CLTA Form 103.12 (Indirect Access and Entry)
Provides insured with coverage against loss sustained in the event that a certain described easement does not provide an identified portion of the land with both actual vehicular and pedestrian access to and from an identified physically open and publicly maintained street.

CLTA Form 103.4
Provides insured owner or lender with insurance that an insured easement affords ingress and egress to and from a specified public street.

CLTA Form 103.7
Provides insured owner or lender with insurance that the land described in Schedule A abuts on a specific, physically open public street.

CLTA Form 106
Provides State of California with insurance concerning the release or relinquishment of access rights, by deed or other voluntary conveyance, with respect to the grantor s remaining land in the event a portion of the land has been conveyed for a freeway or limited access highway.

CLTA Form 106C
Provides State of California with insurance concerning the elimination of access rights, by condemnation, with respect to an owner s remaining land in the event a portion of that land has been condemned for a freeway or limited access highway.

CLTA Form 106.1
Provides State of California with insurance concerning the release or relinquishment of access rights only, by deed or other voluntary conveyance, with respect to land abutting a freeway or limited access highway.

CLTA Form 106.2
Provides State of California with insurance concerning the release or relinquishment of access rights only, by deed or other voluntary conveyance, with respect to the grantor s remaining land if a portion of the land has been conveyed for a freeway or limited access highway, and with respect to other land abutting such freeway or limited access highway.

CLTA Form 106.2C
Provides State of California with insurance concerning the elimination of access rights, by condemnation, with respect to an owner s remaining land if a portion of that land has been condemned for a freeway or limited access highway, and with respect to other land abutting such freeway or limited access highway.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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ADDITIONAL ADVANCE (Optional)
CLTA Form 108.7
Provides insured CLTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8
Provides insured ALTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8-M
Provides insured ALTA revolving or line of credit lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an increase in the revolving credit limit, and increases policy liability by the amount of the increase.

CLTA Form 111.10 (Optional Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement. Except as to intervening matters of which the insured has actual knowledge.

CLTA Form 108.9
Provides the Department of Veterans Affairs of the state of California with coverage against loss concerning vesting of, and defects in or liens or encumbrances on, title to the estate or interest covered, with respect to an advance made under its purchase agreement with a veteran.

CLTA Form 108.10
Provides insured line of credit lender with coverage against defined loss connected with (1) vesting of title and (2) continued priority of the insured mortgage insofar as that mortgage secures an increased line of credit. This endorsement also increases the existing lender s policy liability by the amount of the increased credit limit.

SUTIC Form 4
Provides insured lender with coverage concerning loss of priority of the insured mortgage over liens for services, labor or material after advance is made in violation of the loan agreement.

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ADVANCE (OBLIGATORY)
CLTA Form 111.11 (Obligatory Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement.

CLTA Form 111.14 (Future Advance-Priority)
Provides insured ALTA lender with coverage against loss concerning priority of insured mortgage lien insofar as same secures an additional advance and re-advance. Provides insured lender with coverage against loss by reason of loss of priority of the lien of the insured mortgage caused by changes in the rate of interest, interest on interest, and increases in the unpaid principal resulting from the addition of unpaid interest.

CLTA Form 111.14.1 (Future Advance-Knowledge)
Provides insured ALTA lender with coverage against loss concerning priority of insured mortgage lien insofar as same secures an additional advance and re-advance where the insured has no knowledge of intervening matters. Provides insured lender with coverage against loss by reason of loss of priority of the lien of the insured mortgage caused by changes in the rate of interest, interest on interest, and increases in the unpaid principal resulting from the addition of unpaid interest.

CLTA Form 111.14.2 (Future Advance-Letter of Credit)
Provides insured ALTA lender with coverage against loss concerning priority of insured mortgage lien insofar as same secures an additional advance and re-advance where the insured has no knowledge of intervening matters.

CLTA Form 122
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.2
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability increased by amount of advance.

CLTA Form 122.3
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.4
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability increased by amount of advance.

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ASSIGNMENTS

CLTA Form 104
Provides assignee of the ALTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting title to the estate or interest covered by the policy. (See CTI 3146; TICOR 7946; and SUTIC 12746 for broader coverage.)

CLTA Form 104A
Provides assignee of the CLTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting title to the estate or interest covered by the policy.

CLTA Form 104.1
Provides assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; and (b) full or partial reconveyances, modification or subordination of the insured mortgage.

CLTA Form 104.4
Provides collateral assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the beneficial interest to the named insured assignee as collateral security; and (b) full or partial recon-veyance, modification or subordination of the insured mortgage.

CLTA Form 104.6
Provides insured ALTA lender with coverage against loss by reason of defects in the execution of an assignment of lessor s interest in a lease or leases, or by reason of any prior assignment except as set forth in the endorsement.

CLTA Form 104.7
Provides insured lender with coverage against loss by reason of any prior recorded assignment of rents.

CLTA Form 104.8
Provides assignee of the ALTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; (b) subsisting real property tax or assessment liens; (c) matters affecting the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting the estate or interest covered by the policy.

CLTA Form 104.9
Provides assignee of the CLTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting the estate or interest covered by the policy.

CLTA Form 104.10
Provides assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; and (b) full or partial reconveyance, modification or subordination of the insured mortgage.

CLTA Form 104.11
Provides collateral assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee as collateral security, with qualifications: and (b) full or partial reconveyances, modification or subordination of the insured mortgage.

CTI Form 3146
Provides insured lender with insurance concerning validity of recorded assignment transferring beneficial interest under a deed of trust. Additionally, it provides the insured lender with a date down of the policy.

SUTIC Form 12746
Provides insured lender with insurance concerning validity of recorded assignment transferring beneficial interest under a deed of trust. Additionally, this endorsement provides the insured lender with a date down of the policy.

TICOR Form 7946
Provides insured lender with insurance concerning validity of recorded assignment transferring beneficical interest under a deed of trust. Additionally, this endorsement provides the insured lender with a date down of the policy.

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ASSESSMENTS

CLTA Form 100.13
Provides insured ALTA lender with insurance concerning the priority of a mortgage lien over maintenance or upkeep assessment liens.

CLTA Form 115.1 (ALTA FORM 4)
Provides coverage for an insured ALTA lender against loss concerning statutory compliance, violations of CC&Rs, homeowners association charges and assessments, the separate assessment of real property taxes, encroachments and the exercise of a right of first refusal to purchase, all with respect to a condominium unit within a condominium project.

CLTA Form 115.2 (ALTA FORM 5)
Provides coverage for an insured ALTA lender against loss concerning violations of CC&Rs, homeowners association charges and assessments, encroachments and the exercise of a right of first refusal to purchase, all with respect to a parcel of land in a planned development.

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BONDS
CLTA Form 112
Amends CLTA Conditions and Stipulations to provide coverage for bondholders if the insured mortgage is a trust indenture securing bonds.

CLTA Form 112.1
Amends ALTA Conditions and Stipulations to provide coverage for bondholders if the insured mortgage is a trust indenture securing bonds.

CLTA Form 112.2
Amends CLTA Conditions and Stipulations to provide coverage for bondholders if the bonds are a lien, not on the title, but on the revenues produced from the land.

CLTA Form 119.4
Provides insurance to bondholders that sublease is valid and will be binding at the commencement of its term, subject to intervening matters.

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COINSURANCE
CLTA Form 114
Provides for coinsurance of policy risks, among two or more title insurance companies, with segregated liabilities.

CLTA Form 114.1
Provides for coinsurance of policy risks, among two or more title insurance companies, with joint and several liabilities.

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CONTIGUITY
CLTA Form 116.4 (Contiguity-Single Parcel)
Provides insured with coverage against loss sustained by reason of the failure of the land to be contiguous along a certain described boundary line.

CLTA Form 116.4.1 (Contiguity-Multiple Parcels)
Provides insured with coverage against loss sustained by reason of the failure of certain described portions of the land to be contiguous with other described portions of the land.

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COVENANTS, CONDITIONS AND RESTRICTIONS (CC&Rs)

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100 (Modified)
Provides limited CLTA Form 100 coverage for an insured owner or lender with respect to vacant land concerning violations of CC&Rs, the encroachment of improvements and surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.4
Provides insured lender with coverage against loss by reason of a present violation of a particular provision of CC&Rs.

CLTA Form 100.5
Provides insured owner with coverage against loss by reason of a present violation of CC&Rs.

CLTA Form 100.6
Provides insured owner with coverage against loss by reason of present or future violations of CC&Rs.

CLTA Form 100.7
Provides insured owner with coverage against loss by reason of a present violation of a particular provision of CC&Rs.

CLTA Form 100.8
Provides insured owner with coverage against loss by reason of present or future violation of a particular provision of CC&Rs.

CLTA Form 100.12
Provides insured lender with insurance concerning the enforceability of reverter rights found in CC&Rs.

CLTA Form 100.13
Provides insured ALTA lender with insurance concerning the priority of a mortgage lien over maintenance or upkeep assessment liens.

CLTA Form 100.17
Provides insured owner or lender with insurance that CC&Rs have been properly modified.

CLTA Form 100.18
Provides insured lender with coverage against loss by reason of the exercise or attempted exercise of reverter rights found in the CC&Rs.

CLTA Form 100.19
Provides insured owner or lender with insurance that there are no present violations of CC&Rs.

CLTA Form 100.20
Provides insured owner or lender with coverage against loss by reason of the enforcement or attempted enforcement of CC&Rs which enforcement is based on a present violation of the CC&Rs prior to the effective date of the policy.

CLTA Form 100.21
Provides insured lender with insurance concerning approval of construction plans and specifications as required by CC&Rs.

CLTA Form 100.25
Provides insured ALTA lender with coverage against loss by reason of a violation of CC&Rs occasioned by subsurface oil drilling operations.

CLTA Form 100.27
Provides insured ALTA lender with coverage against loss of mortgage lien or title after foreclosure, or unmarketability of title, resulting from any present violation of CC&Rs.

CLTA Form 100.28
Provides insured owner or lender with coverage against loss by reason of present or future violation of a particular provision of the CC&Rs resulting from the construction of designated improvements.

CLTA Form 102.4
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, and that their location does not violate referenced CC&Rs.

CLTA Form 102.5
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, that their location does not violate referenced CC&Rs, and that they do not encroach upon referenced easements. (Broader coverage than CLTA Form 102.4).

CLTA Form 102.6
Provides insured lender with insurance that the foundations of the structure under construction on a portion of the land are within the boundaries of such portion, and that their location does not violate referenced CC&Rs (limited liability). This endorsement is useful if a construction loan mortgage encumbers a tract development and foundations have been completed on part of the land only.

CLTA Form 102.7
Provides insured construction lender with insurance that the foundations of the structure under construction on a portion of the land are within the boundaries of such portion, that their location does not violate referenced CC&Rs, and that they do not encroach on referenced easements (limited liability).

CLTA Form 115.1 (ALTA FORM 4)
Provides coverage for an insured ALTA lender against loss concerning statutory compliance, violations of CC&Rs, homeowners association charges and assessments, the separate assessment of real property taxes, encroachments and the exercise of a right of first refusal to purchase, all with respect to a condominium unit within a condominium project.

CLTA Form 115.2 (ALTA FORM 5)
Provides coverage for an insured ALTA lender against loss concerning violations of CC&Rs, homeowners association charges and assessments, encroachments and the exercise of a right of first refusal to purchase, all with respect to a parcel of land in a planned development.

CLTA Form 124.1
Provides insured owner or lender with insurances concerning affirmative and/or negative covenants contained in a deed or agreement between landowners.

CLTA Form 124.2
Provides insured owner or lender with insurances concerning affirmative covenants contained in a lease.

CLTA Form 124.3
Provides insured owner or lender with insurances concerning negative covenants contained in a lease.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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DEEDS OF TRUST

CLTA Form 128 (Mezzanine Financing)
Provides mezzanine lender with insurance that, in the event of a loss, policy liability will not be denied to the mezzanine lender on the ground that any or all of the ownership interests (direct or indirect) in the insured have been transferred to or acquired by the Mezzanine Lender. The endorsement also provides non-imputation coverage.

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DEPARTMENT OF VETERANS' AFFAIRS (CA)

CLTA Form 108.9
Provides the Department of Veterans Affairs of the state of California with coverage against loss concerning vesting of, and defects in or liens or encumbrances on, title to the estate or interest covered, with respect to an advance made under its purchase agreement with a veteran.

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DESCRIPTIONS
CLTA Form 103.7
Provides insured owner or lender with insurance that the land described in Schedule A abuts on a specific, physically open public street.

CLTA Form 116.3
Provides insured owner or lender with insurance that the land described in the policy now constitutes all or part of a later subdivision of the land.

CLTA Form 116.4
Provides insured owner or lender with insurance that the land described in the policy is contiguous to other land.

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EASEMENTS

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 103.6
Provides insured ALTA lender with insurance that none of the improvements on the land encroach on a particular easement.

CLTA Form 115.2 (ALTA FORM 5)
Provides coverage for an insured ALTA lender against loss concerning violations of CC&Rs, homeowners association charges and assessments, encroachments and the exercise of a right of first refusal to purchase, all with respect to a parcel of land in a planned development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 102.5
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, that their location does not violate referenced CC&Rs, and that they do not encroach upon referenced easements. (Broader coverage than CLTA Form 102.4).

CLTA Form 102.7
Provides insured construction lender with insurance that the foundations of the structure under construction on a portion of the land are within the boundaries of such portion, that their location does not violate referenced CC&Rs, and that they do not encroach on referenced easements (limited liability).

CLTA Form 103.1
Provides insured lender with coverage against loss by reason of the exercise of the right of use or maintenance of a particular easement by the easement holder.

CLTA Form 103.3
Provides insured lender with coverage against loss by reason of the forced removal of improvements which encroach on a particular easement which easement right is presently being exercised.

CLTA Form 103.4
Provides insured owner or lender with insurance that an insured easement affords ingress and egress to and from a specified public street.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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ENCROACHMENTS

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100 (Modified)
Provides limited CLTA Form 100 coverage for an insured owner or lender with respect to vacant land concerning violations of CC&Rs, the encroachment of improvements and surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 115.1 (ALTA FORM 4)
Provides coverage for an insured ALTA lender against loss concerning statutory compliance, violations of CC&Rs, homeowners association charges and assessments, the separate assessment of real property taxes, encroachments and the exercise of a right of first refusal to purchase, all with respect to a condominium unit within a condominium project.

CLTA Form 102.4
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, and that their location does not violate referenced CC&Rs.

CLTA Form 102.5
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, that their location does not violate referenced CC&Rs, and that they do not encroach upon referenced easements. (Broader coverage than CLTA Form 102.4).

CLTA Form 102.6
Provides insured lender with insurance that the foundations of the structure under construction on a portion of the land are within the boundaries of such portion, and that their location does not violate referenced CC&Rs (limited liability). This Endorsementssement is useful if a construction loan mortgage encumbers a tract development and foundations have been completed on part of the land only.

CLTA Form 102.7
Provides insured construction lender with insurance that the foundations of the structure under construction on a portion of the land are within the boundaries of such portion, that their location does not violate referenced CC&Rs, and that they do not encroach on referenced easements (limited liability).

CLTA Form 103.3
Provides insured lender with coverage against loss by reason of the forced removal of improvements which encroach on a particular easement which easement right is presently being exercised.

CLTA Form 103.6
Provides insured ALTA lender with insurance that none of the improvements on the land encroach on a particular easement.

CLTA Form 103.9
Provides insured ALTA lender with coverage against loss by reason of forced removal of proposed improvements which encroach into a public street, provided proposed improvements are located and constructed in accordance with designated plans and specifications.

CLTA Form 111.3
Provides insured lender with coverage against loss by reason of (a) any impairment of the lien of the insured mortgage on the remaining land occasioned by a partial reconveyance, and (b) with insurances concerning encroachments and the designation of improvements on the remaining land.

CLTA Form 115.2 (ALTA FORM 5)
Provides coverage for an insured ALTA lender against loss concerning violations of CC&Rs, homeowners association charges and assessments, encroachments and the exercise of a right of first refusal to purchase, all with respect to a parcel of land in a planned development.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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ENVIRONMENTAL PROTECTION LIENS
CLTA Form 110.9
Provides insured ALTA residential lender with coverage against loss by reason of lack of priority over (a) any federal or state environmental protection lien which is recorded in the public records, except as set forth in Schedule B, and (b) any state environmental protection lien provided for by any state statute in effect at Date of Policy, except as provided for by state statutes specified in the endorsement.

TICOR Form 7652
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the public records, except as set forth in Schedule B of the policy. This en-dorsement is crafted for use with lender s policies is-sued on land used for other than residential purposes.

SUTIC Form 12747
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the relevant public records, except as set forth in Schedule B of the policy. This endorsement is crafted for use with lender s policies issued on land for other than residential purposes.

CTI Form 3147
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the relevant public records, except as set forth in Schedule B of the policy. This endorsement is crafted for use with lender s policies issued on land used for other than residential purposes.

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EXCEPTIONS

CLTA Form 110.1
Amends policy to delete particular Schedule B paragraphs, or to delete a particular general Exception from Coverage.

CLTA Form 127 (Non-imputation-Full Equity Transfer)
Provides insured owner with insurance that, in the event of loss, policy liability will not be denied on the basis of knowledge of any matter solely by reason of notice thereof imputed to the insured as a matter of law.

CLTA Form 127.1 (Non-imputation-Additional Insured)
Provides additional insured with insurance that, in the event of loss, policy liability will not be denied on the basis of knowledge of any matter solely by reason of notice thereof imputed to the insured as a matter of law.

CLTA Form 127.2 (Non-imputation-Partial Equity Transfer)
For a partial equity transfer, provides insured owner with insurance that, in the event of loss, policy liability will not be denied on the basis of knowledge of any matter solely by reason of notice thereof imputed to the insured as a matter of law.

CLTA Form 130 (First Loss-Multiple Parcel Transactions)
Subject to provisions, in the event of a claim resulting from a matter insured against by this policy, the Company agrees to pay that portion of the Material Impairment Amount that does not exceed certain limits of liability without requiring the maturity of the Indebtedness by acceleration or the pursuit by the insured of its remedies against the Collateral or the pursuit by the insured of its remedies under any guaranty, bond or other insurance policy.

CLTA Form 131 (Creditors' Rights)
Provides insured with coverage against loss sustained by reason of the avoidance in whole or in part, or a court order providing some other remedy, based on the voidability of any estate, interest, or mortgage shown in Schedule A because of the occurrence on or before Date of Policy of a fraudulent transfer or a preference under federal bankruptcy, state insolvency or similar creditors' rights laws.

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FOREIGN CURRENCY (LENDER)

CTI Form 3136 (Foreign Currency Mortgage)
Provides insured foreign currency lender with coverage against loss by reason of (1) invalidity or unenforceability of the insured mortgage resulting from terms therein providing for revaluation of the indebtedness based on changes in the conversion rate or (2) loss of priority of the insured mortgage lien caused by changes in the conversion rate.

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FOUNDATIONS

CLTA Form 102.4
Provides insured construction lender with insurance that the foundations of the structure under construction are within the boundaries of the land, and that their location does not violate referenced CC&Rs.

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IMPROVEMENTS

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.26
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under an FHA project, resulting from the exercise of surface or subsurface rights for the extraction or development of minerals excepted from the description of the land.

CLTA Form 100.29
Provides insured owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals excepted from the description of the land or shown as a reservation in Schedule B.

CLTA Form 115.1 (ALTA FORM 4)
Provides coverage for an insured ALTA lender against loss concerning statutory compliance, violations of CC&Rs, homeowners association charges and assessments, the separate assessment of real property taxes, encroachments and the exercise of a right of first refusal to purchase, all with respect to a condominium unit within a condominium project.

CLTA Form 100.23
Provides insured ALTA lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals leased under an oil and gas lease.

CLTA Form 103.3
Provides insured lender with coverage against loss by reason of the forced removal of improvements which encroach on a particular easement which easement right is presently being exercised.

CLTA Form 103.5
Provides insured extended coverage owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

CLTA Form 103.6
Provides insured ALTA lender with insurance that none of the improvements on the land encroach on a particular easement.

CLTA Form 103.8
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under FHA project, resulting from the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

CLTA Form 103.9
Provides insured ALTA lender with coverage against loss by reason of forced removal of proposed improvements which encroach into a public street, provided proposed improvements are located and constructed in accordance with designated plans and specifications.

CLTA Form 107.5
Provides that the value of the lessee s interest in improvements, even though cast as personal property in the insured lease, will be included as an element of loss otherwise insured against under the leasehold policy.

CLTA Form 111.3
Provides insured lender with coverage against loss by reason of (a) any impairment of the lien of the insured mortgage on the remaining land occasioned by a partial reconveyance, and (b) with insurances concerning encroachments and the designation of improvements on the remaining land.

CLTA Form 115.2 (ALTA FORM 5)
Provides coverage for an insured ALTA lender against loss concerning violations of CC&Rs, homeowners association charges and assessments, encroachments and the exercise of a right of first refusal to purchase, all with respect to a parcel of land in a planned development.

CLTA Form 116
Provides insured ALTA lender with insurances concerning the street address of designated improvements on the land; and, with respect to the sufficiency of the policy plat to show the record location and dimensions of that land.

CLTA Form 116.2
Provides insured ALTA lender with insurance concerning the street address of designated separately owned elements comprising part of the insured condominium; and, with respect to the sufficiency of the referenced map or plan to show the exterior boundary of the condominium project as a whole.

CLTA Form 116.5 (ALTA FORM 7)
Provides insured ALTA lender with insurance that the term land as defined in the policy includes the manufactured housing unit located on the land at Date of Policy.

CLTA Form 116.6
Provides insured ALTA lender with insurance that the manufactured housing unit described in the endorsement is included within the tem land when used in the policy. This endorsement requires that a description of the manufactured housing unit be set forth in the endorsement.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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LEASES

CLTA Form 100.23
Provides insured ALTA lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals leased under an oil and gas lease.

CLTA Form 100.24
Provides insured ALTA lender with insurance that lessee under mineral lease does not have any right to enter on or use the surface of the land.

CLTA Form 104.6
Provides insured ALTA lender with coverage against loss by reason of defects in the execution of an assignment of lessor s interest in a lease or leases, or by reason of any prior assignment except as set forth in the endorsement.

CLTA Form 104.7
Provides insured lender with coverage against loss by reason of any prior recorded assignment of rents.

CLTA Form 107.5
Provides that the value of the lessee s interest in improvements, even though cast as personal property in the insured lease, will be included as an element of loss otherwise insured against under the leasehold policy.

CLTA Form 109
Provides insured CLTA owner or lender with insurance concerning assignments of the lessor s interest under community oil and gas lease.

CLTA Form 119
Provides insured CLTA lender with coverage concerning the due execution and record priority of an extant lease to which the insured mortgage is subject.

CLTA Form 119.1
Amends CLTA policy by adding other general Exceptions from Coverage with respect to off-record matters which may affect title to the covered leasehold estate.

CLTA Form 119.2
Provides insured ALTA lender with insurance as to the validity, priority and subsistence of an extant lease to which the insured mortgage is subject.

CLTA Form 119.3
Provides insured ALTA lender with insurance as to the priority of an extant lease to which the insured mortgage is subject in circuity of lien situations. (Relative priority among purchase money deed of trust, lease, and permanent financing deed of trust is questionable.)

CLTA Form 119.4
Provides insurance to bondholders that sublease is valid and will be binding at the commencement of its term, subject to intervening matters.

CLTA Form 120.2
Provides insured oil and gas lessee with insurance that deed of trust on fee estate executed prior to oil and gas lease has since been subordinated to the oil and gas lease.

CLTA Form 124.2
Provides insured owner or lender with insurances concerning affirmative covenants contained in a lease.

CLTA Form 124.3
Provides insured owner or lender with insurances concerning negative covenants contained in a lease.

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MECHANICS' LIENS

CLTA Form 101
Provides insured CLTA construction lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material, based on the claim that material had been delivered, or work commenced, prior to mortgage recording. This endorsement provides mechanics lien coverage.

CLTA Form 101.1
Provides insured owner with coverage against loss by reason of statutory liens for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion.

CLTA Form 101.1-A
Provides Department of Veterans Affairs of the State of California with coverage against loss by reason of statutory liens for services, labor or material arising out of a work improvement referred to in a recorded notice of completion.

CLTA Form 101.2
Provides insured construction lender with coverage against loss by reason of a lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion.

CLTA Form 101.3
Provides insured lender with coverage against loss by reason of a lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work improvement under construction or completed at the date thereof.

CLTA Form 101.4
Provides insured owner with coverage against loss by reason of any statutory liens for services, labor or material arising out of a work of improvement under construction or completed at the date thereof.

CLTA Form 101.5
Provides insured lender with insurance as to the regularity of a recorded notice of completion and that, as to the land described in the notice, no statutory liens for services, labor or material have been recorded, except as shown (liability limited to a stated amount).

CLTA Form 101.6
Provides insured lender with insurance as to the regularity of a recorded notice of completion and that, as to the land described in the notice, no statutory liens for services, labor or material have been recorded, except as shown (liability limited to face amount of policy).

CLTA Form 101.8
Provides off-site insured CLTA lender with coverage against loss by reason of lack of mortgage priority over statutory liens for services, labor or material arising out of a separate contract for off-site work.

CLTA Form 101.9
Provides insured owner with coverage against loss by reason of statutory liens for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion on a part of the land (liability limited to a stated amount).

CLTA Form 101.10
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion on a part of the land (liability limited to a stated amount).

CLTA Form 101.11
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement under construction or completed at the date thereof on a part of the land (liability limited to a stated amount).

CLTA Form 101.12
Provides insured owner with coverage against loss by reason of statutory liens for services, labor or material arising out of any work of improvement under construction or completed at the date thereof on a part of the land (liability limited to a stated amount).

CLTA Form 101.13
Provides insured construction lender with coverage against loss by reason of any statutory lien for services, labor or material arising out of a work of improve- ment referred to in a recorded notice completion.

CLTA Form 101.14
Provides insured ALTA Construction Loan Policy lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion.

CLTA Form 101.15
Provides insured ALTA Construction Loan Policy lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement under construction or completed at the date thereof.

CLTA Form 101.16
Provides insured ALTA Construction Loan Policy lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement referred to in a notice of completion on a part of the land (liability limited to a stated amount).

CLTA Form 101.17
Provides insured ALTA Construction Loan Policy lender with coverage against loss by reason of lack of priority of the insured mortgage over statutory liens for services, labor or material arising out of a work of improvement under construction or competed on a part of the land (liability limited to a stated amount).

CLTA Form 101.18
Provides insured ALTA Construction Loan Policy lender with coverage against loss by reason of any statutory lien for services, labor or material arising out of a work of improvement referred to in a recorded notice of completion.

CLTA Form 108.7
Provides insured CLTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8
Provides insured ALTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8-M
Provides insured ALTA revolving or line of credit lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an increase in the revolving credit limit, and increases policy liability by the amount of the increase.

CLTA Form 108.10
Provides insured line of credit lender with coverage against defined loss connected with (1) vesting of title and (2) continued priority of the insured mortgage insofar as that mortgage secures an increased line of credit. This endorsement also increases the existing lender s policy liability by the amount of the increased credit limit.

CLTA Form 122
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.2
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability increased by amount of advance.

CLTA Form 122.3
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.4
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability increased by amount of advance.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

SUTIC Form 4
Provides insured lender with coverage concerning loss of priority of the insured mortgage over liens for services, labor or material after advance is made in violation of the loan agreement.

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MINERALS

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100 (Modified)
Provides limited CLTA Form 100 coverage for an insured owner or lender with respect to vacant land concerning violations of CC&Rs, the encroachment of improvements and surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.23
Provides insured ALTA lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals leased under an oil and gas lease.

CLTA Form 100.24
Provides insured ALTA lender with insurance that lessee under mineral lease does not have any right to enter on or use the surface of the land.

CLTA Form 100.26
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under an FHA project, resulting from the exercise of surface or subsurface rights for the extraction or development of minerals excepted from the description of the land.

CLTA Form 100.29
Provides insured owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals excepted from the description of the land or shown as a reservation in Schedule B.

CLTA Form 110.3
Provides insured owner or lender with insurance that mineral owner has relinquished right of surface entry.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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MOBILEHOMES & MANUFACTURED HOUSING UNITS

CLTA Form 116.5 (ALTA FORM 7)
Provides insured ALTA lender with insurance that the term land as defined in the policy includes the manufactured housing unit located on the land at Date of Policy.

CLTA Form 116.6
Provides insured ALTA lender with insurance that the manufactured housing unit described in the endorsement is included within the tem land when used in the policy. This endorsement requires that a description of the manufactured housing unit be set forth in the endorsement.

CTI Form 3122
Provides insured lender with insurances that (1) a mobilehome is located on the security land; (2) that the value of such mobilehome, even though title thereto is excepted, will be included as an element of any loss otherwise payable under the policy; and (3) reconciles the coverage of CLTA Form 100 to include the mobilehome within the term improvements .

SUTIC Form 5
Provides lender with insurances that (1) a mobilehome is located on the security land; (2) that value of such mobilehome, even though title thereto is excepted, will be included as an element of any loss otherwise payable under the policy; and (3) reconciles the coverage of CLTA Form 100 to include the mobilehome within the term improvements.

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STATE OF CALIFORNIA

CLTA Form 106
Provides State of California with insurance concerning the release or relinquishment of access rights, by deed or other voluntary conveyance, with respect to the grantor s remaining land in the event a portion of the land has been conveyed for a freeway or limited access highway.

CLTA Form 106C
Provides State of California with insurance concerning the elimination of access rights, by condemnation, with respect to an owner s remaining land in the event a portion of that land has been condemned for a freeway or limited access highway.

CLTA Form 106.1
Provides State of California with insurance concerning the release or relinquishment of access rights only, by deed or other voluntary conveyance, with respect to land abutting a freeway or limited access highway.

CLTA Form 106.1C
Provides State of California with insurances concerning the elimination of access rights only, by condemnation, with respect to land abutting a freeway or limited access highway.

CLTA Form 106.2
Provides State of California with insurance concerning the release or relinquishment of access rights only, by deed or other voluntary conveyance, with respect to the grantor s remaining land if a portion of the land has been conveyed for a freeway or limited access highway, and with respect to other land abutting such freeway or limited access highway.

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STREETS

CLTA Form 103.4
Provides insured owner or lender with insurance that an insured easement affords ingress and egress to and from a specified public street.

CLTA Form 103.7
Provides insured owner or lender with insurance that the land described in Schedule A abuts on a specific, physically open public street.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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SUBDIVISION/SUBDIVISION MAP ACT

CLTA Form 116.7
Provides insured with insurance that the land described is a lawfully created parcel according to the California Subdivision Map Act and local ordinances adopted pursuant thereto.

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SURFACE
CLTA Form 103.10
Provides insured owner or lender with coverage against loss by reason of the use of the surface of the land by the owners of land below the surface.
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SURFACE ENTRY

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&Rs violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100 (Modified)
Provides limited CLTA Form 100 coverage for an insured owner or lender with respect to vacant land concerning violations of CC&Rs, the encroachment of improvements and surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.2 (ALTA FORM 9)
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.23
Provides insured ALTA lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals leased under an oil and gas lease.

CLTA Form 100.24
Provides insured ALTA lender with insurance that lessee under mineral lease does not have any right to enter on or use the surface of the land.

CLTA Form 100.26
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under an FHA project, resulting from the exercise of surface or subsurface rights for the extraction or development of minerals excepted from the description of the land.

CLTA Form 100.29
Provides insured owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of minerals excepted from the description of the land or shown as a reservation in Schedule B.

CLTA Form 103.5
Provides insured extended coverage owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

CLTA Form 103.8
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under FHA project, resulting from the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

CLTA Form 110.3
Provides insured owner or lender with insurance that mineral owner has relinquished right of surface entry.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

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SURVEY-MAP-PLAT

CLTA Form 116
Provides insured ALTA lender with insurances concerning the street address of designated improvements on the land; and, with respect to the sufficiency of the policy plat to show the record location and dimensions of that land.

CLTA Form 116.1
Provides insured lender with insurance that the land described in the policy is the same as that delineated on plat of a survey attached to and made a part of the policy.

CLTA Form 116.2
Provides insured ALTA lender with insurance concerning the street address of designated separately owned elements comprising part of the insured condominium; and, with respect to the sufficiency of the referenced map or plan to show the exterior boundary of the condominium project as a whole.

CLTA Form 116.3
Provides insured owner or lender with insurance that the land described in the policy now constitutes all or part of a later subdivision of the land.

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TAXES

CLTA Form 115
Provides insured lender with insurance that the estate or interest covered by the policy is a condominium, in fee, and is entitled to be assessed and taxed as a separate parcel.

CLTA Form 115.1 (ALTA FORM 4)
Provides coverage for an insured ALTA lender against loss concerning statutory compliance, violations of CC&Rs, homeowners association charges and assessments, the separate assessment of real property taxes, encroachments and the exercise of a right of first refusal to purchase, all with respect to a condominium unit within a condominium project.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 129 (Single Tax Parcel)
Provides insured with coverage against loss sustained by reason of the land being taxed as part of a larger parcel of land or failing to constitute a separate tax parcel for real estate tax purposes.

CLTA Form 129.1 (Multiple Tax Parcel)
Provides insured with coverage against loss sustained by reason of those portions of the identified land not being assessed for real estate tax purposes under the certain tax identification numbers or those certain tax identification numbers including any additional property. Also provides the insured with coverage against loss sustained by reason of the easements, if any, described in Schedule A being cut off or disturbed by the non-payment of real estate taxes or assessments imposed on the servient estate by a governmental authority.

CTI Form 3124
Amends Schedule B general reference to supplemental taxes by limiting application to taxable events occurring on or after date of policy.

SUTIC Form 12557
Amends Schedule B general reference to supplemental taxes by limiting application to taxable events occurring on or after date of policy.

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TRUST DEEDS
CLTA Form 104
Provides assignee of the ALTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting title to the estate or interest covered by the policy. (See CTI 3146; TICOR 7946; and SUTIC 12746 for broader coverage.)

CLTA Form 104A
Provides assignee of the CLTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting title to the estate or interest covered by the policy.

CLTA Form 104.1
Provides assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee; and (b) full or partial reconveyances, modification or subordination of the insured mortgage.

CLTA Form 104.4
Provides collateral assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the beneficial interest to the named insured assignee as collateral security; and (b) full or partial reconveyance, modification or subordination of the insured mortgage.

CLTA Form 104.6
Provides insured ALTA lender with coverage against loss by reason of defects in the execution of an assignment of lessor s interest in a lease or leases, or by reason of any prior assignment except as set forth in the endorsement.

CLTA Form 104.7
Provides insured lender with coverage against loss by reason of any prior recorded assignment of rents.

CLTA Form 104.8
Provides assignee of the ALTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; (b) subsisting real property tax or assessment liens; (c) matters affecting the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting the estate or interest covered by the policy.

CLTA Form 104.9
Provides assignee of the CLTA insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; (b) subsisting real property tax or assessment liens; (c) matters shown by the public records which affect the validity or priority of the insured mortgage; and (d) federal tax liens or bankruptcy proceedings affecting the estate or interest covered by the policy.

CLTA Form 104.10
Provides assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee, with qualifications; and (b) full or partial reconveyance, modification or subordination of the insured mortgage.

CLTA Form 104.11
Provides collateral assignee of the insured mortgage with insurance concerning (a) validity of the recorded assignment to evidence transfer of the entire beneficial interest to the named insured assignee as collateral security, with qualifications: and (b) full or partial reconveyances, modification or subordination of the insured mortgage.

CLTA Form 105
Modifies ALTA Loan or Leasehold Loan Policy provisions to accommodate insurance of the liens of two mortgages under a single policy. CLTA Form 105.1 Modifies CLTA Standard Coverage Policy provisions to accommodate insurance of the liens of two mortgages under a single policy.

CLTA Form 105.1
Modifies CLTA Standard Coverage Policy provisions to accommodate insurance of the liens of two mortgages under a single policy.

CLTA Form 107.11
Provides insured ALTA lender with coverage against loss by reason of invalidity or unenforceability of the insured mortgage following ostensible merger of the beneficial interest evidenced by the deed of trust with title formerly vested in the trustor named in the deed of trust through insured ALTA lender's acquisition of an interest in the title.

CLTA Form 108.7
Provides insured CLTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8
Provides insured ALTA lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an additional (optional) advance, and increases policy liability by the amount of the advance.

CLTA Form 108.8-M
Provides insured ALTA revolving or line of credit lender with coverage against loss concerning vesting of title, subsistence and priority of insured mortgage lien insofar as same secures an increase in the revolving credit limit, and increases policy liability by the amount of the increase.

CLTA Form 111.10 (Optional Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement. Except as to intervening matters of which the insured has actual knowledge.

CLTA Form 110.4
Provides insured ALTA lender with insurance concerning proper modification of the insured mortgage.

CLTA Form 110.5
Provides insured ALTA lender with insurance concerning proper modification of the insured mortgage, including express priority coverage.

CLTA Form 110.6
Provides insured CLTA lender with insurance concerning proper modification of the insured mortgage, including express priority coverage.

CLTA Form 110.9
Provides insured ALTA residential lender with coverage against loss by reason of lack of priority over (a) any federal or state environmental protection lien which is recorded in the public records, except as set forth in Schedule B, and (b) any state environmental protection lien provided for by any state statute in effect at Date of Policy, except as provided for by state statutes specified in the endorsement.

CTI Form 3147
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the relevant public records, except as set forth in Schedule B of the policy. This endorsement is crafted for use with lender's policies issued on land used for other than residential purposes.

SUTIC Form 12747
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the relevant public records, except as set forth in Schedule B of the policy. This endorsement is crafted for use with lender's policies issued on land for other than residential purposes.

TICOR Form 7652
Provides insured lender with coverage against loss by reason of lack of priority of the insured mortgage over any federal or state environmental protection lien which is recorded in the public records, except as set forth in Schedule B of the policy. This endorsement is crafted for use with lender's policies issued on land used for other than residential purposes.

CLTA Form 111
Provides insured lender with coverage against loss by reason of loss of mortgage lien priority on the remaining land occasioned by a partial reconveyance.

CLTA Form 111.1
Provides insured lender with insurance that policy liability for loss has not been reduced by reason of a partial reconveyance, except to the extent of any consideration received for the partial reconveyance.

CLTA Form 111.2
Provides insured lender with coverage against loss by reason of any impairment of the lien of the insured mortgage on the land occasioned by a subordination agreement.

CLTA Form 111.3
Provides insured lender with coverage against loss by reason of (a) any impairment of the lien of the insured mortgage on the remaining land occasioned by a partial reconveyance, and (b) with insurances concerning encroachments and the designation of improvements on the remaining land.

CLTA Form 111.4
Provides insured ALTA lender and HUD with insurances as to the continued validity and priority of the insured mortgage following the trustor's conveyance of title if, in return for the assumption of the indebtedness by the purchaser, the original trustor is released from liability for payment of the mortgage.

CLTA Form 111.5 (ALTA FORM 6)
Provides insured ALTA variable rate mortgage lender with coverage against loss by reason of (1) invalidity or unenforceability of the insured mortgage resulting from terms therein providing for changes in the rate of interest, or (2) loss of priority of the insured mortgage lien caused by the changes in the rate of interest.

CLTA Form 111.6
Provides insured ALTA variable rate mortgage lender with coverage against loss by reason of (1) invalidity or unenforceability of the insured mortgage resulting from terms therein providing for changes in the rate of interest, or (2) loss of priority of the insured mortgage lien caused by the changes in the rate of interest, which coverage is conditioned on compliance with specified statutes or regulations concerning variable rate mortgages.

CLTA Form 111.7
Provides insured ALTA variable rate mortgage lender with coverage against loss by reason of (1) invalidity or unenforceability of the insured mortgage resulting from terms therein providing for the renewal of the mortgage or changes in the rate of interest, or (2) loss of priority of the insured mortgage lien caused by the renewal of the mortgage or changes in the rate of interest.

CLTA Form 111.8 (ALTA FORM 6.2)
Provides insured ALTA variable rate mortgage lender with coverage against changes in the rate of interest, the addition of unpaid interest to principal and/or interest on interest, or (2) loss of priority of the insured mortgage lien caused by the changes in the rate of interest, unpaid interest added to principal and/or interest on interest.

CLTA Form 112
Amends CLTA Conditions and Stipulations to provide coverage for bondholders if the insured mortgage is a trust indenture securing bonds.

CLTA Form 112.1
Amends ALTA Conditions and Stipulations to provide coverage for bondholders if the insured mortgage is a trust indenture securing bonds.

CLTA Form 119.3
Provides insured ALTA lender with insurance as to the priority of an extant lease to which the insured mortgage is subject in circuity of lien situations. (Relative priority among purchase money deed of trust, lease, and permanent financing deed of trust is questionable.)

CLTA Form 120.2
Provides insured oil and gas lessee with insurance that deed of trust on fee estate executed prior to oil and gas lease has since been subordinated to the oil and gas lease.

CLTA Form 111.11 (Obligatory Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement.

CLTA Form 122
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.2
Provides insured ALTA lender with insurance concerning obligatory advance made under the insured mortgage; liability increased by amount of advance.

CLTA Form 122.3
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability limited to face amount of policy.

CLTA Form 122.4
Provides insured ALTA Construction Loan Policy lender with insurance concerning obligatory advance under the insured mortgage; liability increased by amount of advance.

CLTA Form 125
Provides coverage for the insured ALTA lender against loss by reason of a judicial determination that (a) the insured mortgage lien (or the lender's title after foreclosure) has been defeated by a valid exercise of the right of rescission conferred by the federal Truth in Lending Act, and that (b) such right of rescission existed because neither the loan transaction nor the right of rescission thereof was exempted or excepted by the provisions of Regulation Z.

CLTA Form 108.10
Provides insured line of credit lender with coverage against defined loss connected with (1) vesting of title and (2) continued priority of the insured mortgage insofar as that mortgage secures an increased line of credit. This endorsement also increases the existing lender's policy liability by the amount of the increased credit limit.

CLTA Form 111.10 (Optional Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement. Except as to intervening matters of which the insured has actual knowledge.

CLTA Form 111.11 (Obligatory Advance)
Provides insured lender with coverage against (1) loss by reason of invalidity or unenforceability of the insured mortgage or of (2) loss of priority of said mortgage for the unpaid balance together with interest caused by changes in the rate of interest in accordance with the terms of a specified loan agreement.

SUTIC Form 4
Provides insured lender with coverage concerning loss of priority of the insured mortgage over liens for services, labor or material after advance is made in violation of the loan agreement.

SUTIC Form 12551
Provides insured foreign lender with coverage against loss by reason of unenforceability of insured mortgage lien as the result of a violation of state doing business laws.

SUTIC Form 12552
Provides insured shared appreciation lender with coverage against loss by reason of (1) invalidity or unenforceability of insured mortgage lien resulting from provisions therein providing for additional interest, or (2) loss of priority of the mortgage lien as security for the unpaid principal balance of the loan, the base interest thereon and the additional interest.

SUTIC Form 12553
Provides insured lender with coverage against loss by reason of a judicial determination that the relationship existing between trustor and beneficiary is that of partners, tenants in common, joint venturers or co-owners rather than that of borrower and lender.

CTI Form 3111
Provides insured shared appreciation lender with coverage against loss by reason of (1) invalidity or unenforceability of insured mortgage lien resulting from provisions therein providing for additional interest, or (2) loss of priority of the mortgage lien as security for the unpaid principal balance of the loan, the base interest thereon and the additional interest.

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UNMARKETABILITY

CLTA Form 100
Provides comprehensive coverage for insured ALTA lender against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.1
Provides comprehensive coverage for insured lender under a CLTA Standard Coverage Policy against loss by reason of present or future CC&R violations, the encroachment of improvements, or by reason of surface entry for mineral development.

CLTA Form 100.18
Provides insured lender with coverage against loss by reason of the exercise or attempted exercise of reverter rights found in the CC&Rs.

CLTA Form 100.27
Provides insured ALTA lender with coverage against loss of mortgage lien or title after foreclosure, or unmarketability of title, resulting from any present violation of CC&Rs.

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USURY
CTI Form 3305
Provides insured lender with coverage against loss by reason of invalidity or unenforceability of insured mortgage lien based on a determination that the loan transaction is usurious under the law of a particular state or states.

SUTIC Form 12555
Provides insured lender with coverage against loss by reason of invalidity or unenforceability of insured mortgage lien based on a determination that the loan transaction is usurious under the law of a particular state or states.

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WATER

CLTA Form 103.5
Provides insured extended coverage owner or lender with coverage against loss by reason of the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

CLTA Form 103.8
Provides insured ALTA lender with coverage against loss by reason of damage to proposed or completed improvements under FHA project, resulting from the exercise of surface rights for the extraction or development of water excepted from the description or shown as a reservation in Schedule B.

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ZONING

CLTA Form 123.1 (ALTA FORM 3)
Provides insured ALTA owner or lender with insurance concerning the zoning classification of the land, and the broad, allowable use or uses under that classification.

CLTA Form 123.2 (ALTA FORM 3.1)
Provides insured ALTA owner or lender with insurance concerning the zoning classification of the land, the broad allowable use or uses under that classification and, with respect to the existing structure on the land, limited coverage concerning compliance with applicable provisions of the applicable zoning ordinance.

CLTA Form 126.1
Provides coverage for insured CLTA owner of a one-to-four family residence against defined loss by reason of lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.

CLTA Form 126.2
Provides coverage for insured CLTA fee owner of a residential condominium against defined loss concerning the separate assessment of taxes, lack of a right of access, rights to liens for services, labor or material, encroachments, zoning and restrictions violations, and surface entry for mineral development.