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					                                           ENDORSEMENT INDEX – TOPICAL

Access and Entry
     Direct Access to Public Street                               ALTA 17-06
     Indirect Access to Public Street via Insured Easement        ALTA 17.1-06; CLTA 103.4
     Insured Land Abuts on Street                                 CLTA 103.7

Additional Advance                                                CLTA 108, 108.7, 108.8

Additional Insured                                                CLTA 107.9, 107.10

Address
    General                                                       ALTA 22-06; CLTA 116
    With Map                                                      ALTA 22.1-06

Agreements, Covenants In                                          CLTA 124.1

Aggregation                                                       ALTA 12-06; CLTA 117

Arbitration
     Deletion of (Lenders)                                        STG Deletion of Arbitration 1
     Deletion of (Owners)                                         STG Deletion of Arbitration 2

Assessments
     Street                                                       ALTA 1-06
     Subordinate to Mortgage                                      CLTA 100.13

Assignment
     Mortgage, Beneficial Interest In                             ALTA 10-06; CLTA 104.4, 104.8,
                                                                  104.10, 104.11, 104.12
     Mortgage, Beneficial Interest In
           (With Date Down)                                       ALTA 10.1-06; CLTA 104.13
     Mortgage (Validity/Priority)                                 CLTA 104.6
     Rents                                                        CLTA 104.7

Assumption, Mortgage                                              STG Assumption of Mortgage

Balloon
     FNMA                                                         CLTA 111.9
     Non-HUD                                                      Non-HUD Balloon

Blank                                                             STG Blank

Bona Fide Purchaser                                               STG BFP 1984, 1970 (Owner’s)
                                                                  STG BFP 1992, 1990, 1987 (Owner’s)


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Comprehensive
   Condominium                                                     CLTA 126.2
   Homeowner’s General                                             ALTA 9-06; CLTA 100,
                                                                   CLTA 100.2, CLTA 126.1
     Lenders (Unimproved)                                          ALTA 9-06
     Owners Policy (unimproved land)                               ALTA 9.1-06; ALTA 9.4-06
     Owners Policy (improved land)                                 ALTA 9.2-06; ALTA 9.5-06

Condominium
    Comprehensive                                                  ALTA 4-06; ALTA 4.1-06:
                                                                   CLTA 115.1, CLTA 126.2
     Exterior Boundary of                                          CLTA 116.2

Coinsurance
     Joint and Several Liability                                   CLTA 114.1, 114.2
     Segregated Liability                                          CLTA 114

Contiguity
     Multiple Parcels                                              ALTA 19-06; CLTA 116.4
     Single Parcel                                                 ALTA 19.1-06

Creditors Rights                                                   ALTA 21-06

Date Down
     Policies                                                      STG Date Down

Deeds
    Covenants in                                                   CLTA 124.1

Deed of Trust                                                      See “Mortgage”

Deletion
     Arbitration (Lenders)                                         STG Deletion of Arbitration 1
     Arbitration (Owners)                                          STG Deletion of Arbitration 2
     Exception                                                     CLTA 110.1

Description Changed                                                CLTA 116.3

Doing Business                                                     STG Doing Business

Easements
    Access to Public Street Through Insured Easement               ALTA 17.1-06; CLTA 103.4
    Damage from Use or Maintenance                                 CLTA 103.1
    Encroachment, Absence of onto Insured                          CLTA 103.6
    Removal of Improvements Encroaching into                       CLTA 103.3


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Encroachments
    Easement, Forced Removal of                                   STG Encroachment
    Easement, No Encroachment onto Specific Easement              CLTA 103.6
    Foundations Not Encroaching on Adjacent Property              CLTA 102.4
    Foundations Not Encroaching onto Easement                     CLTA 102.5
    Removal of Improvements Encroaching into Easement             CLTA 103.3
    Street, Forced Removal of Encroachment onto                   CLTA 103.9

Environmental Lien
     Residential                                                  ALTA 8.1-06; CLTA 110.9
     Commercial                                                   ALTA 8.1 Modified

EPA Lien
    Residential                                                   ALTA 8.1-06; CLTA 110.9
    Commercial                                                    ALTA 8.1 Modified

Exception, Deletion of                                            CLTA 110.1

Fairway                                                           STG Fairway 1 & 2

First Loss, Multiple Parcels                                      ALTA 20-06

Foundation
    Location within Land, No CC&R Violations                      CLTA 102.4
    Location within Land, No CC&R Violations and
           No Encroachments onto Easement                         CLTA 102.5
    Location within Portion of Land, No CC&R Violations           CLTA 102.6
    Location within Portion of Land, No
           CC&R Violation & No Encroachment
           onto Easement                                          CLTA 102.7


Future Advance
    Knowledge                                                     ALTA 14.1-06
    Letter of Credit                                              ALTA 14.2-06
    Priority                                                      ALTA 14-06
    Reverse Mortgage                                              ALTA 14.3-06

Future Insurance                                                  STG Future Insurance 3

Homeowners (Comprehensive)                                        CLTA 126.1

HUD                                                               See “Housing and Urban
                                                                  Development”

Housing and Urban Development                                     CLTA 111.4

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Inflation Protection                                               STG Inflation Protection

Insured, Additional                                                CLTA 107.9; 107.10

Insured, Trustee Named As                                          STG Trustee Insured

Insuring Information, Modification of                              STG Insuring Information

Land Modification (See Spreading Agreement)

Last Dollar
     With Tie-In                                                   STG Last Dollar 4
     Without Tie-In                                                STG Last Dollar 1, 2 & 3

Lease
     Lender’s Policy                                               ALTA 13.1-06
     Lessor’s Affirmative Covenants, Not Violated                  CLTA 124.2
     Lessor’s Negative Covenants, Not Violated                     CLTA 124.3
     Owner’s Policy                                                ALTA 13-06
     Priority of                                                   CLTA 119

Leasehold                                                          CLTA 119.1

Letter of Credit, Future Advance                                   ALTA 14.3-06

Liability
     Allocation of, Per Parcel                                     CLTA 107.1
     Increase                                                      CLTA 107.2
     Non-Cumulative                                                STG HUD-Liability; Non-Cumulative
     Pro Tanto                                                     STG Pro Tanto

Lien, No Enforcement of Specified                                  CLTA 110.7

Line of Credit
     Line of Credit (Obligatory Advances)                          CLTA 111.11
     Line of Credit (Optional Advances)                            CLTA 111.10

Location
    Address                                                        ALTA 22-06; CLTA 116
    With Map                                                       ALTA 22.1-06

Manufactured Housing Unit
    General                                                        ALTA 7-06; CLTA 116.5
    Conversion -Loan                                               ALTA 7.1-06
    Conversion – Owners                                            ALTA 7.2-06


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Maximum Loss                                                      STG Maximum Actual Loss

Mezzanine Financing                                               ALTA 16-06

Mineral Rights
    No Damage to Existing Improvements
           By Exercise of Surface Rights                          CLTA 100.29
    Release of Surface Rights                                     CLTA 110.3
    No Damage to Improvements by
           Exercise of (Mineral Lease)                            CLTA100.24
    No Damage to Improvements by
           Exercise of (Oil & Gas Lease)                          CLTA 100.23
    No Damage to Improvements by
           Exercise of (Top 500 Feet, FHA)                        CLTA 100.26

Mobile Home
    General                                                       ALTA 7-06; CLTA 116.5
    Conversion - Loan                                             ALTA 7.1-06
    Conversion - Owners                                           ALTA 7.2-06

Modification
    Mortgage, General                                             ALTA 11-06; CLTA 110.4, 110.5,
                                                                  110.6
     Mortgage, Maturity Date Extension                            CLTA 110.5A
     Restrictions                                                 CLTA 100.17

Mortgage
    Additional Advance                                            CLTA 108, 108.7, 108.8
    Advances, Priority of (Obligatory)                            CLTA 122
    Assessments, Priority Over                                    CLTA 100.13
    Assignment of Beneficial Interest
           In (No Date Down)                                      ALTA 10-06; CLTA 104.1, 104.4,
                                                                  104.8, 104.10; 104.11
     Assignment of Beneficial Interest
            In (With Date Down)                                   ALTA 10.1-06; CLTA 104.13
     Assignment (Validity/Priority)                               CLTA 104.6
     Assumption                                                   STG Assumption of Mortgage
     Balloon (FNMA)                                               CLTA 111.9
     Balloon (Non-HUD)                                            STG Non-HUD Balloon
     Future Advance-Knowledge                                     ALTA 14.1-06
     Future Advance-Letter of Credit                              ALTA 14.2-06
     Future Advance-Priority                                      ALTA 14-06
     Last Dollar
            With Tie-In                                           STG Last Dollar 4
            Without Tie-In                                        STG Last Dollar 1, 2 & 3
     Line of Credit (Optional Advances)                           CLTA 111.10

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     Line of Credit (Obligatory Advances)                         CLTA 111.11
     Modification                                                 ALTA 11-06; CLTA 110.4, 110.5,
                                                                  110.5A, 110.6
     Multiple Loans Insured                                       CLTA 105; 105.1
     Pending Disbursement                                         STG Pending Disbursement
     Priority Over Assessments                                    CLTA 100.13
     Obligatory Advance                                           CLTA 122.2
     Reconveyance, Partial                                        CLTA 111
     Reconveyance, Partial (No Encroachments
             Created By)                                          CLTA 111.3
     Reverse                                                      ALTA 14.3-06; STG Reverse
                                                                  Mortgage
     Reverse (Annuity)                                            STG Reverse Annuity Mortgage
     Revolving Credit (Increased Credit Limit)                    CLTA 108.10
     Spreading Agreement (Adding Land)                            STG Spreading Agreement
     Usury
            Short Form                                            STG Usury A
            Long Form                                             STG Usury B
     Variable Rate
            Negative Amortization                                 ALTA 6.2-06; CLTA 111.8
            Standard                                              ALTA 6-06; CLTA 111.5, 111.7
            State Regulations Exceptions Inserted                 CLTA 111.6

Multiple Tax Parcel                                               ALTA 18.1

Multipurpose                                                      STG Multipurpose

Non-Imputation
    Additional Insured                                            ALTA 15.1-06
    Full Equity Transfer                                          ALTA 15-06
    Partial Equity Transfer                                       ALTA 15.2-06

Non-Merger (Lender Acquires Land)                                 CLTA 107.11

Obligatory Advance                                                CLTA 122.2

Patent                                                            STG Patent

Planned Unit Development                                          ALTA 5-06, 5.1-06; CLTA 115.2

Pending Disbursement                                              STG Pending Disbursement

Plans, Approval of Required by Restrictions                       CLTA 100.21

Pro Tanto Liability                                               STG Pro Tanto


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PUD (see Planned Unit Development)

Reconveyance
    Partial                                                        CLTA 111
    Partial (No Encroachment Created By)                           CLTA 111.3

Rents, Assignment of                                               CLTA 104.7

Restrictions
     Affirmative Covenants of Lessor Not Violated                  CLTA 124.2
     Comprehensive (General)                                       ALTA 9-06; CLTA 100, 100.2
     Comprehensive (Owners-Unimproved Land)                        ALTA 9.1-06; ALTA 9.4-06
     Comprehensive (Owners-Improved Land)                          ALTA 9.2-06; ALTA 9.5-06
     Comprehensive (Loan)                                          ALTA 9.3-06
     Modification                                                  CLTA 100.17
     Negative Covenants of Lessor Not Violated                     CLTA 124.3
     Plans, Approval of Required by                                CLTA 100.21
     Reverter Rights, Unenforceability of                          CLTA 100.12
     Right of Re-Entry, Unenforceability of                        CLTA 100.12
     Violation, Existing                                           CLTA 100.27
     Violation, No Present                                         CLTA 100.4, 100.5, 100.20
     Violations, No Present or Future                              CLTA 100.6
     Violation, No Present (Specific Restriction)                  CLTA 100.7
     Violation, No Present or Future (Specific Restriction;
             Owner)                                                CLTA 100.8
     Violations, by Future Construction                            CLTA 100.28
     Violations, No Present Violation (Specific Restriction)       CLTA 100.19


Reverse
      Mortgage                                                     STG Reverse Mortgage 1
      Mortgage (Annuity)                                           STG Reverse Annuity Mortgage

Re-Entry, No Exercise of                                           CLTA 100.18

Reverter, No Exercise of                                           CLTA 100.18

Revolving Credit, Increased Credit Limit                           CLTA 108.10

Schedule A, Modifications To                                       STG Insuring Information

Single Tax Parcel                                                  ALTA 18-06

Spreading Agreement (Adding Land)                                  STG Spreading Agreement



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Street
         Abuts Insured Land                                         ALTA 17-06; CLTA 103.7
         Assessments                                                ALTA 1-06
         Encroachments Onto, Forced Removal
              Of Improvements                                       CLTA 103.9

Subdivision                                                         STG Subdivision

Subordination, No Impairment of Lien Following                      CLTA 111.2

Surface Entry
      Mineral Lessee Has No Right To                                CLTA 100.24
      Release of Rights to                                          CLTA 110.3
      No Damage to Improvements from
           Exercise of Subsurface Rights (FHA)                      CLTA 100.26
      No Damage to Improvements from Exercise
           Of Rights to Extract Surface Water                       CLTA 103.5
      Right of, No Damage to Improvements
           Caused by (Oil & Gas Lease)                              CLTA100.23
      Subsurface Estate Owner’s Lack of Rights To                   CLTA 103.10

Survey, Legal Description Same as                                   CLTA 116.1

Tax Parcel
      Multiple                                                      ALTA 18.1-06
      Single                                                        ALTA 18-06

Tie-In                                                              ALTA 12-06; CLTA 117

Truth in Lending                                                    ALTA 2-06

Usury
         Long Form                                                  STG Usury B
         Short Form                                                 STG Usury A

Utility Facility                                                    STG Utility Facility

Variable Rate Mortgage
      Standard                                                      ALTA 6-06; CLTA 111.5
      Inserting State Regulations Exceptions                        CLTA 111.6
      Negative Amortization                                         ALTA 6.2-06; CLTA 111.8

Water
         Surface Water, No Damage to Improvements
              From Exercise of Rights to Extract                    CLTA 103.5


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Zoning
      Improved Property                                          ALTA 3.1-06; CLTA 123.2
      Unimproved Property                                        ALTA 3-06; CLTA 123.1
      No Zoning                                                  STG No Zoning Applicable




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