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HomeMy WebLinkAbout10-00500085- 00075104THE FOLLOWING COMMITMENT FOR TITLE INSURANCE IS NOT VALID UNLESS YOUR NAME AND THE POLICY AMOUNT ARE SHOWN IN SCHEDULE A, AND OUR AUTHORIZED REPRESENTATIVE HAS COUNTERSIGNED BELOW. COMMITMENT FOR TITLE INSURANCE Issued by (t commonwealth unn ~'~¢u. ,ue.uk,mct coMMxr Commitment No. 26478 We, Commonwealth Land Title Insurance Company will issue our title insurance policy or policies (the Policy) to You (the proposed insured) upon payment of the premium and other charges due, and compliance with the requirements in Schedule B and Schedule C. Our Policy will be in the form approved by the Texas Department of Insurance at the date of issuance, and will insure your interest in the land described in Schedule A. The estimated premium for our Policy and applicable endorsements is shown on Schedule D. There may be additional charges such as recording fees, and expedited delivery expenses. This Commitment ends ninety (90) days from the effective date, unless the Policy is issued sooner, or failure to issue the Policy is our fault. Our liability and obligations to you are under the express terms of this Commitment and end when this Commitment expires. IN WITNESS WHEREOF, COMMONWEALTH LAND TITLE INSURANCE COMPANY has caused its corporate name and seal to be hereunto affixed by its duly authorized officers, the Commitment to become valid when countersigned by an authorized officer or agent of the Company. TX0228 26478 Aggieland Title Company 3740 Copperfield Dr Ste 101 Bryan, TX 77802 Tel:(979) 731-8400 Fax:(979) 731-8408 Countersigned: &4~ Au orized Signatory COMMONWEALTH LAND TITLE, INSURANCE COMMMY t SEAL ~f~ t nrr~.~~r Carolyn Gaston CONDITIONS AND STIPULATIONS 1. If you have actual knowledge of any matter which may affect the title or mortgage covered by this Commitment, that is not shown in Schedule B, you must notify us in writing. If you do not notify us in writing, our liability to you is ended or reduced to the extent that your failure to notify us affects our liability. If you do notify us, or we learn of such matter, we may amend Schedule B, but we will not be relieved of liability already incurred. 2. Our liability is only to you, and others who are included in the definition of Insured in the Policy to be issued. Our liability is only for actual loss incurred in your reliance on this Commitment to comply with its requirements, or to acquire the interest in the land. Our liability is limited to the amount shown in Schedule A of this Commitment and will be subject to the following terms of the Policy: Insuring Provisions, Conditions and Stipulations, and Exclusions. Form 81C13443 (11/2009) T-7 Commitment for Title Insurance 40 Commonwealth" TEXAS TITLE INSURANCE INFUMMA I WN Title Insurance insures you against loss El seguro de titulo le asegura en relation a resulting from certain risks to your title. perdidas resultantes de ciertos riesgos que pueden The Commitment for Title Insurance is the afectar el titulo de su propiedad. Title Insurance Company's promise to issue El Compromiso para Seguro de Titulo es la the Title Insurance Policy. The Commitment is a promesa de la compania aseguradora de titulos legal document. You should review it carefully de emitir la poliza de seguro de titulo. El to completely understand it before your closing Compromiso es un documento legal. Usted debe date. leerlo cuidadosamente y entenderlo complemente antes de la fecha ara finalizar su transaction. Your Commitment for Title Insurance is a legal contract between you and us. The Commitment is not an opinion or report of your title. It is a contract to issue you a Policy subject to the Commitment's terms and requirements. Before issuing a Commitment for Title Insurance (the Commitment) or a Title Insurance Policy (the Policy), the Title Insurance Company (the Company) determines whether the title is insurable. This determination has already been made, Part of that determination involves the Company's decision to insure the title except for certain risks that will not be covered by the Policy. Some of these risks are listed in Schedule B of the attached Commitment as Exceptions. Other risks are stated in the Policy as Exclusions. These risks will not be covered by the Policy. The Policy is not an abstract of title nor does a Company have an obligation to determine the ownership of any mineral interest. ---MINERALS AND MINERAL RIGHTS may not be covered by the Policy. The Company may be unwilling to insure title unless there is an exclusion or an exception as to Minerals and Mineral Rights in the Policy. Optional endorsements insuring certain risks involving minerals, and the use of improvements (excluding lawns, shrubbery and trees) and permanent buildings may be available for purchase. Neither this Policy, nor the optional endorsements, insure that the purchaser has title to the mineral rights related to the surface estate. Another part of the determination involves whether the promise to insure is conditioned upon certain requirements being met. Schedule C of the Commitment lists these requirements that must be satisfied or the Company will refuse to cover them. You may want to discuss any matters shown in Schedules B and C of the Commitment with an attorney. These matters will affect your title and your use of the land. When your Policy is issued, the coverage will be limited by the Policy's Exception, Exclusions and Conditions, defined below. ---EXCEPTIONS are title risks that a Policy generally covers but does not cover in a particular instance. Exceptions are shown on Schedule B or discussed in Schedule C of the Commitment. They can also be added if you do not comply with the Conditions section of the Commitment. When the Policy is issued, all Exceptions will be on Schedule B of the Policy. ---EXCLUSIONS are title risks that a Policy generally does not cover. Exclusions are contained in the Policy but not shown or discussed in the Commitment. ---CONDITIONS are additional provisions that qualify or limit your coverage. Conditions include your responsibilities and those of the Company. They are contained in the Policy but not shown or discussed in the Commitment. The Policy Conditions are not the same as the Commitment Conditions. Form 81C13443 (11/2009) T-7 Commitment for Title Insurance You can get a copy of the policy form approved by the Texas Department of Insurance by calling Commonwealth Land Title Insurance Company at 1-800-442-7067 or by calling the title insurance agent that issued the Commitment. The Texas Department of Insurance may revise the policy form from time to time. You can also get a brochure that explains the Policy from the Texas Department of Insurance by calling 1-800-252-3439. Before the Policy is issued, you may request changes in the Policy. Some of the changes to consider are: ---Request amendment of the "area and boundary" exception (Schedule B, paragraph 2). To get this amendment, you must furnish a survey and comply with other requirements of the Company. On the Owner's Policy, you must pay an additional premium for the amendment. If the survey is acceptable to the Company and if the Company's other requirements are met, your Policy will insure you against loss because of discrepancies or conflicts in boundary lines, encroachments or protrusions, or overlapping of improvements. The Company may then decide not to insure against specific boundary or survey problems by making special exceptions in the Policy. Whether or not you request amendment of the "area and boundary" exception, you should determine whether you want to purchase and review a survey if a survey is not being provided to you. ---Allow the Company to add an exception to "rights of parties in possession." If you refuse this exception, the Company or the title insurance agent may inspect the property. The Company may except to and not insure you against the rights of specific persons, such as renters, adverse owners or easement holders who occupy the land. The Company may charge you for the inspection. If you want to make your own inspection, you must sign a Waiver of Inspection form and allow the Company to add this exception to your Policy. The entire premium for a Policy must be paid when the Policy is issued. You will not owe any additional premiums unless you want to increase your coverage at a later date and the Company agrees to add an Increased Value Endorsement. Form 81 Cl 3443 (1112009) T-7 Commitment for Title Insurance IMPORTANT NOTICE To obtain information or make a complaint: You may call Commonwealth Land Title Insurance Company's toll-free telephone number for information or to make a complaint at: 1-800-442-7067 You may also write to Commonwealth Land Title Insurance Company at: P.O. Box 45023, Jacksonville, FL 32232-5023 You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights orcomplaints at: 1-800-2523439 You may write to the Texas Department of Insurance: P. 0. Box 149104 Austin, TX 78714-9104 Fax: (512) 475-1771 Web: http://wvvw tdi state tx us E-mail. Con- sumerProtectionna tdi state.tx.us PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact the company first. If the dispute is not resolved, you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information only and does not become a part or condition of the attached document. Form 81C12443 Reorder 1177-IB AVISO IMPORTANTE Para obtener informacion o para someter Una queja: Usted puede Ilamar al numero de telefono gratis de Commonwealth Land Title Insurance Company's para informacion o para someter Una queja al: 1-800-442-7067 Usted tambien puede escribir a Commonwealth Land Title Insurance Company: P.O. Box 45023, Jacksonville, FL 32232-5023 Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias, coberturas, derechos o quejas al: 1-800-252-3439 Puede escribir al Departmento de Seguros de Texas: P. 0. Box 149104 Austin, TX 78714-9104 Fax: (512) 475-1771 Web: httg://www.tdI.state tx us E-mail: Cons umerProtectionna tdi.state.tx.us DISPUTAS SOBRE PRIMAS 0 RECLAMOS Si tiene Una disputa concerniente a su prima o a un reclamo, debe comunicarse con la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI). UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. T-7 Commitment for Title Insurance (Rev. 05/01/08) COMMITMENT FOR TITLE INSURANCE Issued By Commonwealth Land Title Insurance Company SCHEDULE A Effective Date: March 8, 2010, 7:00 am GF No. 26478 Commitment No. , issued March 16,2010,3:35 pm The policy or policies to be issued are: (a) OWNER'S POLICY OF TITLE INSURANCE (Form T-1) (Not applicable for improved one-to-four family residential real estate) Policy Amount: $515,000.00 PROPOSED INSURED: Faith Investments (b) TEXAS RESIDENTIAL OWNER'S POLICY OF TITLE INSURANCE - ONE-TO-FOUR FAMILY RESIDENCES (Form T-1R) Policy Amount: PROPOSED INSURED: (c) LOAN POLICY OF TITLE INSURANCE (Form T-2) Policy Amount: $412,000.00 PROPOSED INSURED: To Be Determined Proposed Borrower: Faith Investments (d) TEXAS SHORT FORM RESIDENTIAL LOAN POLICY OF TITLE INSURANCE (Form T-2R) Policy Amount: PROPOSED INSURED: Proposed Borrower: (e) LOAN TITLE POLICY BINDER ON INTERIM CONSTRUCTION LOAN (Form T-13) Binder Amount: PROPOSED INSURED: Proposed Borrower: (f) OTHER Policy Amount: PROPOSED INSURED: 2. The interest in the land covered by this Commitment is: Fee Simple 3. Record title to the land on the Effective Date appears to be vested in: Texas A&M Research Foundation 4. Legal description of the land: METES AND BOUNDS DESCRIPTION OF ALL THAT CERTAIN TRACT OF LAND LYING AND BEING SITUATED IN THE ROBERT STEVENSON LEAGUE, ABSTRACT NO. 54, COLLEGE STATION, BRAZOS COUNTY, TEXAS. SAID TRACT BEING THE REMAINDER OF A CALLED 2.6 ACRE TRACT AS DESCRIBED BY A DEED TO TEXAS A&M RESEARCH FOUNDATION RECORDED IN VOLUME 2203, PAGE 256 OF THE OFFICIAL PUBLIC RECORDS OF BRAZOS COUNTY, TEXAS. SAID TRACT BEING MORE PARTICULARLY DESCRIBED BY METES AND BOUNDS AS FOLLOWS: BEGINNING AT 518 INCH IRON ROD FOUND ON THE SOUTHEAST LINE OF A CALLED 8.973 ACRE TRACT AS DESCRIBED BY A DEED TO TEXAS A&M RESEARCH FOUNDATION RECORDED IN VOLUME 2083, PAGE 138 OF THE OFFICIAL PUBLIC RECORDS OF BRAZOS COUNTY, TEXAS, MARI[IG THE NORTH CORNER OF SAID REMAINDER OF 2.6 ACRE TRACT AND THE WEST CORNER OF THE REMAINDER OF A CALLED 2.62 ACRE TRACT AS DESCRIBED BY A DEED TO TEXAS A&M RESEARCH FOUNDATION RECORDED IN VOLUME 1026, PAGE 55 OF THE OFFICIAL RECORDS OF BRAZOS COUNTY, TEXAS; THENCE: S 480 3313011 E ALONG THE COMMON LINE OF SAID REMAINDER OF 2.6 ACRE TRACT AND SAID REMAINDER OF 2.62 ACRE TRACT FOR A DISTANCE OF 43219 FEET TO A POINT ON THE NORTHWEST FORM T-7: Commitment for Title Insurance Page I Continuation of Schedule A GF No. 26478 RIGHT-OF-WAY LINE OF GRAHAM ROAD MARIMG THE EAST CORNER OF THIS HEREIN DESCRIBED TRACT; THENCE: S 41° 5812511 W ALONG THE NORTHWEST LINE OF GRAHAM ROAD FOR A DISTANCE OF 26037 FEET TO THE EAST CORNER OF GRAHAM ROAD BUSINESS CENTER ACCORDING TO THE PLAT RECORDED IN VOLUME 6951, PAGE 107 OF THE OFFICIAL PUBLIC RECORDS OF BRAZOS COUNTY, TEXAS; THENCE: N 480 34' 05" W ALONG THE COMMON LINE OF SAID REMAINDER OF 2.6 ACRE TRACT AND GRAHAM ROAD BUSINESS CENTER FOR A DISTANCE OF 432.21 FEET TO THE SOUTH CORNER OF SAID 8.973 ACRE TRACT AND THE EAST CORNER OF LOT 1, BLOCK 10, EDELWEISS ESTATES, PHASE 3-A, ACCORDING TO THE PLAT RECORDED IN VOLUME 2806, PAGE 133 OF THE OFFICIAL PUBLIC RECORDS OF BRAZOS COUNTY, TEXAS, FOR REFERENCE A 5/8 INCH IRON ROD FOUND ON THE SOUTHEAST LINE OF EDELWEISS ESTATES, PHASE 3, ACCORDING TO THE PLAT RECORDED IN VOLUME 2541, PAGE 231 OF THE OFFICIAL PUBLIC RECORDS OF BRAZOS COUNTY, TEXAS, MARKING THE COMMON CORNER OF SAID 8973 ACRE TRACT AND SAID EDELWEISS ESTATES, PHASE 3-A, BEARS: N 480 34' 05" W FOR A DISTANCE OF 421.66 FEET; THENCE: N 41° 5712411 E ALONG THE COMMON LINE OF SAID REMAINDER OF 2.6 ACRE TRACT AND SAID &973 ACRE TRACT FOR A DISTANCE OF 260.44 FEET TO THE POINT OF BEGINNING CONTAINING 2.58 ACRES OF LAND, MORE OR LESS. Note: The Company is prohibited from insuring the area or quantity of the land described herein. Any statement in the above legal description of the area of land is not a representation that such area or quantity is correct, but is made only for informational and/or identification purposes and does not override Item No. 2 of Schedule B. FORM T-7: Commitment for Title Insurance Page 2 COAUK]TM ENT FOR TITLE INSURANCE Issued By Commonwealth Land Title Insurance Company SCHEDULE B EXCEPTIONS FROM COVERAGE In addition to the Exclusions and Conditions and Stipulations, your Policy will not cover loss, costs, attorneys' fees, and expenses resulting from: 1. ~F130 WIOWifig FeS#i6tiYO WYOMR45 Of F66eff-d- ite-mliZed- belew (We mus4 either- iRseft sperifiez, r-eser-ding data ef delete this e-moeption)-i 2. Any discrepancies, conflicts, or shortages in area or boundary lines, or any encroachments or protrusions, or any overlapping of improvements. 3. Homestead or community property or survivorship rights, if any, of any spouse of any insured. (Applies to the Owner's Policy only.) 4. Any titles or rights asserted by anyone, including, but not limited to, persons, the public, corporations, governments or other entities, a. to tidelands, or lands comprising the shores or beds of navigable or perennial rivers and streams, lakes, bays, gulfs or oceans, or b. to lands beyond the line of harbor or bulkhead lines as established or changed by any government, or c. to filled-in lands, or artificial islands, or d. to statutory water rights, including riparian rights, or e. to the area extending from the line of mean low tide to the line of vegetation, or the rights of access to that area or easement along and across that area. (Applies to the Owner's Policy only.) 5. Standby fees, taxes and assessments by any taxing authority for the year 2010, and subsequent years; and subsequent taxes and assessments by any taxing authority for prior years due to change in land usage or ownership, but not those taxes or assessments for prior years because of an exemption granted to a previous owner of the property under Section 11. 13, Texas Tax Code, or because of improvements not assessed for a previous tax year. (If Texas Short Form Residential Loan Policy (T-2R) is issued, that policy will substitute "which become due and payable subsequent to Date of Policy" in lieu of "for the year and subsequent years.") 6. The terms and conditions of the documents creating your interest in the land. 7. Materials furnished or labor performed in connection with planned construction before signing and delivering the lien document described in Schedule A, if the land is part of the homestead of the owner. (Applies to the Loan Title Policy Binder on Interim Construction Loan only, and may be deleted if satisfactory evidence is furnished to us before a binder is issued.) 8. Liens and leases that affect the title to the land, but that are subordinate to the lien of the insured mortgage. (Applies to Loan Policy (T-2) only.) 9. The Exceptions from Coverage and Express Insurance in Schedule B of the Texas Short Form Residential Loan Policy (T- FORM T-7: Commitment for Title Insurance Page 3 Continuation of Schedule B GF No. 26478 2R). (Applies to Texas Short Form Residential Loan Policy (T-2R) only. Separate exceptions I through 8 of this Schedule B do not apply to the Texas Short Form Residential Loan Policy (T-2R). 10. The following matters and all terms of the documents creating or offering evidence of the matters (We must insert matters or delete this exception.): a. Easement granted to the City of Bryan by W. E. Graham, et ux as set out in instrument dated April 19, 1937, recorded in Volume 98, Page 85 of the Deed Records of Brazos County, Texas. b. Ten foot (10') utility easement as shown on Road Dedication Map recorded in Volume 319, Page 817 of the Deed Records of Brazos County, Texas. C. Easement granted to the City of College Station by Fire Security Systems, Inc. as set out in instrument dated June 3, 1992, recorded in Volume 1531, Page 346 of the Official Public Records of Brazos County, Texas. d. Development Agreement dated October 1, 1991, by and between Fire Security Systems, Inc. and the City of College Station, recorded in Volume 1481, Page 25 of the Official Public Records of Brazos County, Texas. e. Mineral Reservation as set out in deed dated April 1, 1980 from Clarence E. Young to Oceanography Internal Corp., recorded in Volume 449, page 108, Deed Records of Brazos County, Texas. Title to this interest not investigated subsequent to date of said instrument. f. Mineral Reservation as set out in deed dated April 11, 1983 from O. L Corporation to C.G.C., Inc., recorded in Volume 570, page 246, Deed Records of Brazos County, Texas. Title to this interest not investigated subsequent to date of said instrument. g. Conveyance of mineral interest from The Chase Manhattan Bank and Clarence E. Young, Co-Trustees to The Chase Manhattan Bank and Clarence E. Young Co-Trustees of the Corren A- Young Residuary Marital Trust as set out In instrument dated August 31, 2001 , recorded in Volume 4322, page 170 of the Official Public Records of Brazos County, Texas. Title to said interest has not been investigated subsequent to date thereoL h. Conveyance of mineral interest from The Chase Manhattan Bank and Clarence E. Young, Co-Trustees to Clarence E. Young, Individually as set out in instrument dated August 31, 2001 , recorded in Volume 4322, page 173 of the Official Public Records of Brazos County, Texas. Title to said interest has not been investigated subsequent to date thereof. L Estate created by oil, gas and mineral lease granted to Cities Service Co., by Clarence E. Young by instrument dated June 23, 1977, recorded in Volume 27, Page 150 of the Oil, Gas and Mineral Lease Records of Brazos County, Texas, and all terms, conditions and stipulations contained therein. Title to this lease has not been investigated subsequent to date thereoL J. Estate created by oil, gas and mineral lease granted to Baker Exploration Company by Clarence E. Young, et ux by instrument dated April 24, 1991, recorded in Volume 1256, Page 51 of the Official Public Records of Brazos County, Texas, and all terms, conditions and stipulations contained therein. Title to this lease has not been investigated subsequent to date thereoL k. Estate created by oil, gas and mineral lease granted to Baker Exploration Company by O. L Analytical by instrument dated June 6, 1991, recorded in Volume 1285, Page 344 of the Official Public Records of Brazos County, Texas, and all terms, conditions and stipulations contained therein. Title to this lease has not been investigated subsequent to date thereof. Estate created by oil, gas and mineral lease granted to Shield Petroleum Incorporated by Clarence IL Young and Corren Young by instrument dated June 6, 1995, recorded in Volume 2409, Page 116 of the Official Public Records of Brazos County, Texas, and all terms, conditions and stipulations contained therein. Title to this lease has not been investigated subsequent to date thereof. FORM T-7: Commitment for Title Insurance Page 4 Continuation of Schedule B GF No. 26478 M. Estate created by oil, gas and mineral lease granted to Shield Petroleum Incorporated by O. I. Corporation by instrument dated June 6, 1995, recorded in Volume 133, Page 133 of the Official Public Records of Brazos County, Texas, and all terms, conditions and stipulations contained therein. Title to this lease has not been investigated subsequent to date thereof. U. All leases, grants, exceptions or reservations of coal, lignite, oil, gas and other minerals, together with all rights, privileges and immunities relating thereto, appearing in the Public Records whether listed in Schedule B or not. There may be leases, grants, exceptions or reservations of mineral interest that are not listed. o. Rights of parties in possession. FORM T-7: Commitment for Title Insurance Page 5 COM M MENT FOR TITLE INSURANCE Issued By Commonwealth Land Title Insurance Company SCHEDULE C Your Policy will not cover loss, costs, attorneys' fees, and expenses resulting from the following requirements that will appear as Exceptions in Schedule B of the Policy, unless you dispose of these matters to our satisfaction, before the date the Policy is issued: Documents creating your title or interest must be approved by us and must be signed, notarized and filed for record. Satisfactory evidence must be provided that: a. no person occupying the land claims any interest in that land against the persons named in paragraph 3 of Schedule A, b. all standby fees, taxes, assessments and charges against the property have been paid, C. all improvements or repairs to the property are completed and accepted by the owner, and that all contractors, subcontractors, laborers and suppliers have been fully paid, and that no mechanic's, laborer's or materialmen's liens have attached to the property, d. there is legal right of access to and from the land, e. (on a Loan Policy only) restrictions have not been and will not be violated that affect the validity and priority of the insured mortgage. 3. You must pay the seller or borrower the agreed amount for your property or interest 4. Any defect, lien or other matter that may affect title to the land or interest insured, that arises or is filed after the effective date of this Commitment. 5. Provide Certificate of existence for Texas A&M Research Foundation and evidence of authority for person who will execute documents on its behalf. 6. Provide information regarding the status of Faith Investments and provide satisfactory evidence of its standing together with proof that the person signing on its behalf has proper authority to act. 7. NOTE: The Policy of Title Insurance to be issued under this Commitment for Title Insurance provides for arbitration which is a common form of alternative dispute resolution. The rules of the Texas Department of Insurance allow you to request that such provision be deleted from the Policy at no additional charge to you. Unless you notify us prior to settlement that you wish to have the Arbitration Provision deleted it will be in the Policy which we issue to you. (Not applicable to Texas Residential Owner Policy) Countersigned Aggieland Title Company By FORM T-7: Commitment for Title Insurance Page 6 CONIIVIITMENT FOR TITLE INSURANCE SCHEDULE D GF No. 26478 Effective Date: March 8, 2010, 7:00 am Pursuant to the requirements of Rule P-21, Basic Manual of Rules, Rates and Forms for the writing of Title Insurance in the State of Texas, the following disclosures are made: 1. The following individuals are directors and/or officers, as indicated, of the Title Insurance Company issuing this Commitment Commonwealth Land Title Insurance Company is a wholly owned subsidiary of LandAmerica Financial Group, Inc., a Virginia Corporation whose securities are publicly traded on the New York Stock Exchange. Commonwealth Land Title Insurance Company's Officers and Directors are as follows: Officers: Directors: Theodore L. Chandler, Jr., Chairman of The Board Theodore L. Chandler, Jr. G. William Evans, Senior Executive Vice President G. William Evans Kenneth Astheimer, Executive Vice President Melissa A. Hill Ross W. Dorneman, Executive Vice President David S. Saag Margaret M. Foster, Executive Vice President Jeffrey C. Selby Michelle H. Gluck, Executive Vice President and General Counsel Melissa A. Hill, Executive Vice President John A. Magness, Executive Vice President John M. Obzud, Executive Vice President Lynn M. Riedel, Executive Vice President Jeffrey C. Selby, Executive Vice President James E. Sindoni, Executive Vice President Jeffrey D. Vaughan, Executive Vice President Marcy A. Welburn, Executive Vice President Ronald B. Ramos, Senior Vice President, Assistant Secretary and Treasurer Christine Vlahcevic, Senior Vice President and Chief Financial Officer Anna M. King 2. The following disclosures are made by the Title Insurance Agent issuing this Commitment: Owners Directors Officers William S. Thornton, Jr. William S. Thornton, Jr. William S. Thornton, Jr., President 3. You are entitled to receive advance disclosure of settlement charges in connection with the proposed transaction to which this commitment relates. Upon your request, such disclosure will be made to you. Additionally, the name of any person, firm or corporation receiving a portion of the premium from the settlement of this transaction will be disclosed on the closing or settlement statement. You are further advised that the estimated title premium is: Owner's Policy Loan Policy Endorsement Charges Other Total $3,059.00 $100.00 $0.00 $0.00 $3,159.00 Of this total amount: 15% will be paid to the policy issuing Title Insurance Company: 85% will be retained by the issuing Title Insurance Agent; and the remainder of the estimated premium will be paid to other parties as follows: Amount To Whom For Services It *The estimated premium is based upon information furnished to us as of the date of this Commitment for Title Insurance. Final determination of the amount of the premium will be made at closing in accordance with the Rules and Regulations adopted by the Commissioner of Insurance." FORM T-7: Commitment for Title Insurance Page 1