EFTA01279950

Issued with Policy Number: SHORT FORM RESIDENTIAL LOAN POLICY ONE-TO-FOUR FAMILY Issued by First American Title Insurance Company SCHEDULE A Name and Address of Title Insurance Company: File No.: Policy No.: Loan No.: Address Reference: Amount of Insurance: Mortgage Amount: Street Address: County and State: $ 320.000.00 $ 320,000.00 Mortgage Date: December 10, 2014 Premium: 612 Date of Policy: Name of Insured: Name of Bonower(s): Charlotte, NC 28202 Mecklenburg County, North Carolina December 10, 2014 Fifth Third Mortgage Company. its successors and/or assigns Requrio Terra, LLC, A Florida Limited Liability Company First American Title Insurance Company, 13450 West Sunrise Boulevard, Ste 300, Issuing Agent: Vista Settlement Services, LLC 20 N W 3rd Street Evansville, IN 47708 Tel: 812-456-4362 The estate or interest in the Land identified in this Schedule A and which is encumbered by the Insured Mortgage is Fee Simple and is. at Date of Policy, vested in the borrower(s) shown in the Insured Mortgage and named above. The Land referred to in this policy is described as set forth in the Insured Mortgage. This policy consists of 2 page(s). unless an addendum is attached and indicated below: [ ] Addendum attached The endorsements checked below, if any, are incorporated in this policy: [ X ] ALTA ENDORSEMENT 4.06 (Condominium) [ ] ALTA ENDORSEMENT 5.06 (Planned Unit Development) ALTA ENDORSEMENT 6-06 (Variable Rate), if the Insured Mortgage contains provisions which provide for an adjustable interest rate. ] ALTA ENDORSEMENT 7.06 ] ALTA ENDORSEMENT 7.1.06 ] ALTA ENDORSEMENT 9.06 ] ALTA ENDORSEMENT 14-06 I ALTA ENDORSEMENT 14.1.06 ] ALTA ENDORSEMENT 14.3.06 ] ALTA ENDORSEMENT 22-06 [XI ALTA ENDORSEMENT 8.1.06 ALTA Short Form Residential Loan Policy Schedule A (6/16107) (Manufactured Housing) (Manufactured Housing - Conversion; Loan) (Restrictions, Encroachments, Minerals) (Future Advance - Priority) (Future Advance - Knowledge) (Future Advance • Reverse Mortgage) (Location) The type of improvement is a one-to-tour family residential structure and the street address is as shown above. (Environmental Protection Lien) Vista Settlement Services, LLC By: Vista Settlement Services, LLC (47.420361321.PFD/47-420361321/19) CONFIDENTIAL SDNY_GM_00030761 EFTA_00141374 EFTA01279950 .O A... t- ate . .. Mrst American Tide' Short Form Residential Loan Policy One-To-Four Family ISSUED BY First American Title Insurance Company Loan Policy POLICY NUMBER SUBJECT TO THE EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE B BELOW, AND ANY ADDENDUM ATTACHED HERETO, FIRST AMERICAN TITLE INSURANCE COMPANY, A NEBRASKA CORPORATION, HEREIN CALLED THE "COMPANY', HEREBY INSURES THE INSURED IN ACCORDANCE WITH AND SUBJECT TO THE TERMS, EXCLUSIONS AND CONDITIONS SET FORTH IN THE AMERICAN LAND TITLE ASSOCIATION LOAN POLICY (6-17-06), AU. OF WHICH ARE INCORPORATED HEREIN. ALL REFERENCES TO SCHEDULES A AND B SHALL REFER TO SCHEDULES A AND B OF THIS POLICY. SCHEDULE B EXCEPTIONS FROM COVERAGE AND AFFIRMATIVE INSURANCES Except to the extent of the affirmative insurance set forth below, this policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees, or expenses) which arise by reason of: 1. Those taxes and special assessments that become due or payable subsequent to Date of Policy. (This does not modify or limit the coverage provided in Covered Risk 11(b).) 2. Covenants, conditions, or restrictions. if any, appearing in the Public Records: however, this policy insures against loss or damage arising from: (a) the violation of those covenants, conditions, or restrictions on or prior to Date of Policy; (b) a forfeiture or reversion of Title from a future violation of those covenants, conditions, or restrictions, including those relating to environmental protection; and (c) provisions in those covenants, conditions, or restrictions, including those relating to environmental protection, under which the lien of the Insured Mortgage can be extinguished, subordinated, or impaired. As used in paragraph 2(a). the words 'covenants. conditions, or restrictions" do not refer to or include any covenant, condition, or restriction (a) relating to obligations of any type to perform maintenance. repair or remediation on the Land. or (b) pertaining to environmental protection of any kind or nature, including hazardous or toxic matters, conditions. or substances. except to the extent that a notice of a violation or alleged violation affecting the Land has been recorded or filed in the Public Records at Date of Policy and is not referenced in an addendum attached to this policy. 3. My easements or servitudes appearing in the Public Records; however, this policy insures against loss or damage arising from (a) the encroachment, at Date of Policy, of the improvements on any easement, and (b) any interference with or damage to existing improvements, including lawns, shrubbery, and trees, resulting from the use of the easements for the purposes granted or reserved. 4. Any lease, grant. exception, or reservation of minerals or mineral rights appearing in the Public Records; however, this policy insures against loss or damage arising from (a) any affect on or impairment of the use of the Land for residential one-to-four family dwelling purposes by reason of such lease. grant. exception or reservation of minerals or mineral rights. and (b) any damage to existing improvements, including lawns. shrubbery. and trees. resulting from the future exercise of any right to use the surface of the Land for the extraction or development of the minerals or mineral rights so leased, granted, excepted, or reserved. Nothing herein shall insure against loss or damage resulting from subsidence. NOTICES, WHERE SENT: Any notice of claim or other notice or statement in writing required to be given the Company under this policy must be given to the Company at the following address: First American Title Insurance Company, Attn: Claims National Intake Center, 1 First American Way, Santa Ana, California 92707. Phone: 888-632.1642. In Witness Whereof, First American Title Insurance Company has caused its corporate name to be hereunto affixed by its authorized officers as of Date of Policy shown in Schedule A. First American Title Insurance Company Dennis J. Gilmore President fignattv Jeffrey S. Robinson Secretary For Reference: File #: Loan #: Issued By. Vista Settlement Services, LLC 20 NW 3rd Street Evansville. IN 47708 This jacket was created electronically and constitutes an original document Copyright 2006-2009 American Land Title Association. All rights moved The use of the form is restricted es ALTA Icemen awl ALTA members in gad stanzling as or the dale of use. Al <APO! Laos are p#Ohibolact Ft*pr-iled urldif :CC1-40 from Ihir Form 5018100(7-1-14) Pag TA Short Form Residential Loan Policy (6-16-07) SDNY_GM JOBIRIVIA B EF1'A_0014B75 EFTA01279951