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CHICAGO TITLE INSURANCE

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					   Policies
     and
  Procedures

BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
   Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
                       Agent Policy Jackets
                                Sample Policy Number                    72106-05101

                      Policy Numbers used for tracking
   106                           Alta 1992 Owner Policy Jacket
   107                           Alta 1992 Loan Policy Jacket
   108                           Leasehold Owner Jacket
   109                           Leasehold Loan Jacket
   111                           Short Form Loan Jacket
   118                           Castle Enhanced Owner Jacket
   119                           Castle Enhanced Loan Jacket


    BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
       Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Policy Jacket Register
Policy Number Agent File Name or Number             Related Policy #       Premium      Liability    Policy Date   Date Reported
       08101               Jones                      05101                  $100.00   $320,000.00      1/1/01       1/1/01




  BOSTON OFFICE:           75 Federal Street, 4th Floor Boston, MA 02110
      Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Schedule A (Loan)
                             TRANS          SI INF                                                                                     PROP.
     PREMIUM AMOUNT          TYPE          IND. END CODE CODE CODE CODE CODE CODE                      REISSUE AMOUNT        ST. CTY..TYPE

5                                6        7     8      9     10        11        12   13    14    15                        16 17 18


      $2.50 /1000




    AGENT FILE NUMBER                    POLICY NUMBER                                DATE OF POLICY             AMOUNT OF INSURANCE

1                          2                                         3                                       4

                             Complete Policy Number
Internal File Number                                                       Date and Time of Recording                Loan Amount ($)
                                 (all numbers)




         BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
            Tel (617) 210-0750       (800) 882-1627   Fax (617) 210-0777
Schedule A (Simultaneous)
                             TRANS          SI INF                                                                                        PROP.
     PREMIUM AMOUNT          TYPE          IND. END CODE CODE CODE CODE CODE CODE                      REISSUE AMOUNT         ST. CTY..TYPE

5                                6        7     8      9     10        11        12   13    14    15                         16 17 18
       $3.00 /1000

         $100.00                           X




    AGENT FILE NUMBER                    POLICY NUMBER                                DATE OF POLICY             AMOUNT OF INSURANCE

1                          2 Complete Policy Number                  3      Date and Time of Recording       4       Purchase Price ($)
    Internal File Number                  (all numbers)
                             Complete Policy Number
Internal File Number                                                        Date and Time of Recording               Loan Amount ($)
                                 (all numbers)




         BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
            Tel (617) 210-0750       (800) 882-1627   Fax (617) 210-0777
Schedule A (Refinance)
                             TRANS          SI INF                                                                                     PROP.
     PREMIUM AMOUNT          TYPE          IND. END CODE CODE CODE CODE CODE CODE                      REISSUE AMOUNT        ST. CTY..TYPE

5                                6        7     8      9     10        11        12   13    14    15                         16 17 18

      60% of previous
     plus 100% of new                                                                             Original Loan Amount ($)




    AGENT FILE NUMBER                    POLICY NUMBER                                DATE OF POLICY             AMOUNT OF INSURANCE

1                          2                                         3                                       4

                             Complete Policy Number
Internal File Number                                                       Date and Time of Recording             New Loan Amount ($)
                                 (all numbers)




         BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
            Tel (617) 210-0750       (800) 882-1627   Fax (617) 210-0777
Schedule A (Refinance Sample)
                             TRANS          SI INF                                                                                     PROP.
     PREMIUM AMOUNT          TYPE          IND. END CODE CODE CODE CODE CODE CODE                      REISSUE AMOUNT        ST. CTY..TYPE

5                                6        7     8      9     10        11        12   13    14    15                        16 17 18


        $175.00                                                                                            $65,000.00




    AGENT FILE NUMBER                    POLICY NUMBER                                DATE OF POLICY             AMOUNT OF INSURANCE

1                          2                                         3                                       4

      T-4329                           72107-08251                         January 2, 2001 @ 4:00 p.m.                  $96,000.00




         BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
            Tel (617) 210-0750       (800) 882-1627   Fax (617) 210-0777
Refinance Calculation
                                                 Example
                Original Loan Policy:                                    $65,000.00
                Refinance Loan Policy:                                   $96,000.00

                               Premium                               $162.50 (Original)
                                                                     (x) .60 (Discount)
                                $ 97.50 (credit on original policy)
       31,000.00 @ 2.50/1000 (+)$ 77.50 (premium on new money)
                               TOTAL                                     $175.00

 BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
    Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Schedule A (Form)
 1. Name of Insured:
    Lender Name , its successors and or assigns as their interests may appear.

 2. Title to the estate or interest in the land is vested in:
    Buyers Names (ie. John Smith and Sally Smith)

 3. The estate or interest in the land which is encumbered by the insured mortgage is:
    Fee Simple.

 4. The insured mortgage and assignments thereof, if any, are described as follows:
     Mortgage from __________________to ________________________
     in the original principal amount of $ _______________ dated ____________________
     and duly recorded with said ____________ Registry of Deeds on ___________.

  5. The land referred to in this policy is located at 134 Main Street Street,
                               Norwell
     In the City/Town of ______________ , County of _________________,
                                                            Plymouth
     State of ________________, and also known as Lot Number _________
                Massachusetts                                         12
                Bell Estates
     in _______________________ Subdivision, and is described as follows: (See Exhibit A)

   BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
      Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Exhibit A Description
(Metes and Bounds)

                                  INSTRUCTIONS ON PREPARING
                                      A DESCRIPTION SHEET
The Schedule A legal description should contain only the actual
property description. The references to exact acreage and/or square
footage should be deleted. Any prior title references should be
deleted. Specific references to recorded easements, restrictions, etc.
should also be deleted from the Schedule B of the policy as
exceptions to title.

Remember the description sheet is part of Schedule A. Schedule A
reflects the items the Company does insure. Schedule B reflects the
items the Company is taking exception to.


  BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
     Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
  Exhibit A Description
  (Sample Residential)

A certain parcel of land, with the buildings thereon situated on the Southwesterly side of
Jericho Road in Pelham, Hillsborough County, New Hampshire and bounded and
described as follows:

            Beginning at a set hub on the Southwesterly side of Jericho Road which stake
is 250 feet West of the State Line boundary between the State of New Hampshire and
the Commonwealth of Massachusetts:

Thence running South 62 degrees West 505 feet, more or less to an iron pipe in a stone
wall;

Thence North 54 degrees 29’ West 30 feet, more or less, to a corner of a wall;
Thence North 7 degrees 41’ West 203.25 feet to an iron pipe;
Thence North 83 degrees 9’ 139.41 feet;
Thence North 38 degrees 15’ East 194.5 feet to an iron pipe;
Thence South 55 degrees 24’ East 233.7 feet to a set hub at the point of beginning.

     BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
        Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Exhibit A Description
(Sample Condominium)


The certain condominium unit known Unit 23 in ABC Condominium created
by Master Deed dated July 15, 1984, and recorded on August 5, 1984, with the
Middlesex South District Registry of Deeds, Book 1234, Page 123.

Together with the undivided PERCENTAGE INTEREST in the common areas
and facilities of the Condominium, as described in the Master Deed, as the same
may be amended.




   BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
      Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
  Schedule B Loan Policy
  (Exceptions from Coverage )

                 72106-05101
Policy Number: _____________________
                                   Owners

                    72107-08251
Policy Number: _____________________
                                   Loan

                                                EXCEPTIONS FROM COVERAGE
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) Rights of present tenants, lessees or parties in possession.             Deleted with Affidavit #1
   (2) Any liability for mechanics’ or materialmen’s liens.                             (Sellers)
  (3) Discrepancies, conflicts in boundary lines, shortage in area, encroachments, and any facts which an accurate survey and inspection
      of the premises would disclose.
                                                                                                                                     Plot Plan
  (4) The Mortgage, if any, referred to in Item 4 of Schedule A. (Note: This exception does NOT apply to Loan Policies.)

  (5) Liens for taxes and assessments which become due and payable subsequent to the date of the policy. Taxes are paid through
                  June 1, 2001
      ___________________________.
  (6) IF THE INSURED PREMISES IS A CONDOMINIUM UNIT:
      (a) Covenants, conditions, restrictions, reservations, easements, liens for assessments, options, powers of attorney, and limitations
      on title, created by the laws of the state of the insured premises or set forth in the Master Deed or Declaration of Con dominium, in the
      related By-Laws, in the Declaration of Trust, or Site Plans and Floor Plans as duly recorded in the appropriate land rec ords office
      and as the same may have been lawfully amended, and in any instrument creating the estate or interest insured by this po licy.
      (b) Loss or damage arising as a result of liens for common charges and attorney’s fees pursuant to Chapter 400 of the Acts of 1992.
      (Note: Exception 6(b) ONLY applies to condominium units located in the Commonwealth of Massachusetts.)



       BOSTON OFFICE:           75 Federal Street, 4th Floor Boston, MA 02110
           Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
Schedule B - Part II
In addition to the matters set forth in Part I of the Schedule, the title to
  the estate or interest in the land described or referred to in Schedule
  A is subject to the following matters, but the Company insures that
  such matters are subordinate to the lien or charge of the insured
  mortgage upon said estate or interest.

 List all items recorded behind the insured instrument. Common Schedule B-
  Part II exceptions are:

  Second Mortgages, Equity Loans, Subordination Agreements, Homesteads,
  UCC Financing Statements




  BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
     Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777
SCHEDULE B
Continuation Sheet




   The Schedule B continuation sheet should be used in the
    event more space is needed to raise additional Schedule
    B exceptions.




    BOSTON OFFICE:          75 Federal Street, 4th Floor Boston, MA 02110
       Tel (617) 210-0750     (800) 882-1627     Fax (617) 210-0777

				
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