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OCT-26-2000 THU 08:40 PM BURNET TITLE WAYZATA
<br />Exclu&lona
<br />In 111:ldilion ta lhi, Excopliana In Schedule B, You arc not inaur•4 11511i111il laes, c:~13.
<br />at1orney1' r";, and np;anaa= rMulin11 rrom:
<br />1. Governmental poijce power, l:llld 111• IXR.lence or vlolaUon ar any law er
<br />government re9ul11tion. Thit inc:ludlNi ordin11n1:H, laws And regulations
<br />cor,carnb,1f
<br />a. b11lldin9
<br />b. 1C0nlng
<br />c. land u&e
<br />d. lmprava manls on 1ho Land
<br />•. Jimd djyision
<br />f. cmvironmen11I protection
<br />This ExclLmlon dol!J.S not 1.!pply ID vkih:1U011s or th• an(orcement or !hen
<br />mal.ltlns if ndiee of !ho viol.non or enforcal1lllnt appan. in I.he Publk; Rllc:ortla
<br />11t U111 Policy Dato.
<br />1N5 Exe!Ut.lc11 doe& 1101 limit tha coverage dascribed in CcYc,rad Ri&k 14, 15.
<br />16, 17 or 2,1.
<br />:i. 'rho rDiiLIIII at Ya11r •xi1ting slruc:CllrDG, or 11ny part or lhem, lo h oonslrueted
<br />wi uccorila~ with applicable building 01146,. Thia Eiccfuslon doea not 11pply
<br />lo vlal"lion:; or buDdinq c:Dda:s if 1101iee of lh• vicflnion appaan; ii tho F'ubllc
<br />Rc,cordli •t the Piillcy Dalt!,
<br />3, The right IC 14k. the Land by eondcmnin9 I. unla&s:
<br />FAX NO. 6124750592 P. 09
<br />a. a notl,:11 or n«c:illnv tho right appe11n1 in th• Public Reecrd:i at
<br />P,;,lic;y Oat.; «
<br />t,, lhc takilg happened before Iha PoHcy Oiths and Is binding on Yt.U ir 'r
<br />bougt,1 tho Land withqul Knowing or lha lakina.
<br />4. Ailu:
<br />a, that 11re crc:a!■d, allolud, or agraed lo by You, wholhor or n,;,I U
<br />app&!lr in 1h • Publk: R.cords;
<br />b. thl!II ara Knawn l'I You at lhlll Poli:y 01t.!i, bul oot t.o u~. unlo.i~ It
<br />11ppurecl In Iha Publie Rec:ords at llw. Policy Da119;
<br />c. ill•t r.sull in na Joss IQ You: or
<br />ct. 1h111t linil DCl:\lr aner Iha Polity Ool8 • this doe; not fltnlL Iha eovere
<br />deli cnbed In Coverad Rl:!lc '1, B.d, 22, 23, 24 or 25.
<br />5. FaikJn, IX:I pay value tot Your T,t!e,
<br />6. Llle:k of 11 light:
<br />a, lD 1ny llll'ld outside the ftrc:11 i;;pecilc:11111>' dellcri~ ond r•l\lrr,i,d lo
<br />pal'lll9ra,ph 3 of Sche1;h1lo A; and
<br />b. in &IJNl!t, a.ll11y;, orwetarw■ys lhstteUch Iha Land.
<br />Thii; Exclus!an do.s not Jimil lhe COYl!tTIIQc d~crip•d In Covered Rl:rk 11
<br />111.0
<br />CONDITIONS
<br />1. Oofinilion1;
<br />11. Ea:samanl • I.ho right af somaono else to U:!ie the l.ariq ror 1:1 &pttcl&I
<br />purpou,
<br />b. Known • lhinQ& abo1.1t which You MV6 actual llnawli:idgo. Th• words
<br />"Kncwf! and 11t<nawlng• halle the ~ina muning u Kl'IQWn.
<br />c. Land • the l11nd or condominium llnit ~1-cribed In p.l'llgraph 3 ef Schedul•
<br />A and any improY6MGnt:; an tt,e l.11nd which ua real propel\/.
<br />d. Mor1(!.1ge -11 mortga1111, deed or IMt. !Nat dHcl or other Sl!lt:uriljl'
<br />1nstrumo1n1.
<br />e. Nalliral Per.son -a h4m-11n hing, not I c:omrnerelaf or fogal or9anluwn or
<br />en~I)', Natw-al Person lncludn I lnwlce or a Trn,I aven ir t11• Min is
<br />not 4 human lielng,
<br />r. Policy Dais • tha date and lltne shown In .Sc:hodul• ,._ H' Iha wi&ured named
<br />in Sehe<Mc: A rnl ,1c:qull'OG !he intere=it :ihcwn in Schedule A by an
<br />instrumenl ~ordad In the Publie Ra¢ords la!ar tha11n lh1 dale 11ncl llmo
<br />shown L, Schadula A, 1h11 Policy Oale Is lh• dJriC-11nd llnvl lt,e lMlrL11111nt 1~
<br />ro1:ord•d.
<br />g. Public Rac:ords -reeo,,l,:i lhot giv• eoMGlruclive notb;e af maltert all'l,cting
<br />Your 'rili•. iXlCording lei lh• •lal.i aii-tute. wh111• Iha Land Is IOcalDd.
<br />h. Tilla • Iha owner.ship af Your lntars.l in Iha Land. 111h6wn in Sr:hedllla A.
<br />I. Trust• a llvf11g lrual •t.bllshed hy II human being lot uta!a pl11nnlng.
<br />/. Wa/Our/U,s • Lawy•I'$ Ti41e l111iunu,e11 Corpor111lcln.
<br />JC, You/Your • th ■ insurtd na111111d in Schedule A 11hd also lhoH ld11nlillad In
<br />par11\jraph 2.b, af 1111,~o Candi\ion:i.
<br />2. Conlinllaficn Of ¢,;,v-arage:
<br />is. Thi1 PoOc:y lnr.ures Yo1.1 fi:irover, avl!!n 61\i,t You f\O bnoer have Your Title.
<br />You Clllnnat u&&ign thill P1:1ilc:y to anyone oln.
<br />b. This Polley 11150 insure,:
<br />(1) anyone who lnherfls Yau, iifli, beca4s., or Your de•lh:
<br />(:2) Your spo1.1~11 who ree:111Y=i 'Vour ni,, &,,;,;11ua ■ ot sfas50lllfia11 of Your
<br />mll(Ti~11e:
<br />(3) ti,e tn.1$1i,e or succ6:::.ar trustee or a Tru11t to whom Yot.1 lr11n,r•r Ycur
<br />T1tl11 11ller 1h11 F>or.cy Data; vr
<br />{4) tho beJl;ificlMlos of Your Trust upon Yciur daath.
<br />e. Wo m11y .IS:!:6rl against 1h11 lnsuNllb ldetrtified In P11nl9raph 2~. ,my rights
<br />11nd dell!nsl!!S that w., h'IVll llllllllit M'J previous ~urDd und•rthis Palley,
<br />3, 11cw To M.eka A Claim
<br />11. Pron,i,l Notice or Your Claim
<br />(1) M 500j'I AS Y,;,u Know of IU~lhin(I lhllt tniohl be c.,..,11r11d by lfii= l>olfcy,
<br />You musl 110(Jl'y Us pramp~ In writing.
<br />(2) Se11cl Voll!' noUc. lo Lawyers Tille ln:1ur.111ca CotpOration, 101 Gett/Nttt
<br />Cuntra P,nkway, Ga&ew11y 011e, Ric:hmond, Virginia ZU35-S153,
<br />Allenlio,1: Claims Otrp•rtment. Plcnn incl11dtr lhe Palley numbilr
<br />11hown In Schedule A, enll the counly •nd c;lat■ w~ere the Lllnc:I b
<br />l0c;11l1d, PltMe enclo~c, 11 copy of Your Policy, If avllabMi.
<br />3
<br />(3) lrYou <Iv Mt give Us prompt notice, Your COV!lr.igi:, will be rtducad o
<br />1ni:led, but only la lho oictent Your failure e,r.,c:1:; Our abillty to l'etiolve
<br />th. 1;laim or defend Yau.
<br />b. Proof or Your Los:i
<br />(1) We m111y require You to give Us "wrfft11n 1te111rnont &igned by You
<br />describing Your Jc,s,:; whiclJ lne!M<lll!li:
<br />(11) Iha bu.15 of Your claim;
<br />(b) Iha C.:.Varcd Risks which ra&ulled In Your laee;
<br />{c) Iha dollar a,po11nl 11( Your Jou i and
<br />(d) \he method Yau used io eompultl the illl'IOUnl 1:11 YDtll' lo:;:;.
<br />(2) Wo may requf,.. Y1111 lo mak• •vnila.bl!t tc U,s rccarda, c:ht1.ki;, leUar~.
<br />i;:onlracls, fns11mn;o pallciH and other ptllJOr.t whieh r•lllle to Your
<br />claim. Wo may make ,;opies or 11~11 pa,,.rs,
<br />(3) We ITIIIY roquir• You ta answer q~tion• ttbo11t Your claim under aath
<br />(4) Ir Y,;,v fail or r1ruc. to giva U!! o :italam ■nt of loss, answer Our
<br />q1.ie$1bns u11d•t ooth, or make av•ijalil• 1g Us lhe pepc,r.1 Wa raquc:.t,
<br />Yiu1r c:av11raga wll be reducad QI' onded, blll ;nly lD lhe extent Your
<br />tleihm1 or refu5•d 111foctl 011r :abifity ID le!Jnlvo lhe eloilltll or def■n<l You.
<br />4. Our C:haicl!6 When We Lum Of A Claim
<br />a. Allor We ree,,lvo Your nctl~. or alherwb11 l~rn, ar 11, clairl thlll ls covered
<br />by tlli5 Policy, Our ,;hoioes inell1r!c ontt or m~ra af Iii• ra~ln11:
<br />( 1) PII)' 1M cliifm.
<br />('-) Nag~bt • nttlement.
<br />(3) Bmg or dorend a le;11 I aclfan r1ilz,\cd lo ttie el1dm.
<br />(4) Pl!Y You 1he arnc11nt roqull'fld b~ U,is Poll~.
<br />{S) tnd the cover11go ct lhilS Pol11;y for the ,;blm by p11ylng Yau Your
<br />111;luol losa reiulting from the Covered Ril.k, and d10v11 cast!!, llllome)'s
<br />f1111& end expanH!I ineurrcd up ~ lh11I limo which Wa Dl'O obNgolod lo
<br />pay.
<br />(6) End the COV6ra90 d1t&cril>ed In CoY11t'H ~i&t 14, 15, 16 ar 18 ~y
<br />paring Yau lho af110t4nl cil Y;ur "11111~nce then In fotto fer lhe
<br />partlcUlar Covereq Rr.tk, and lhclt c:osl&, lltfomll)l:r' fHa and expenscis
<br />lnl!Um"f up 1o that lim■ whlc:h We are obfigat.d to pay,
<br />(7) End all cov~1:191 af 1h11 P11icy by Jlll)'lng Y01.11h• Poli::y Amount then
<br />in lorai, lllnd all !hoc• cat.ls, att.ome~• r-•n<l txp-as Incurred up
<br />lg lhat tlln4, which W• ■rD obligall!-d lo pay.
<br />(8) T.l!!ko Plh■r epproi;iriate action.
<br />b, Wlten We chociu Uia 0plit11l!S ih paragraph~ 4.11. (5), (!l) vr (7), an our
<br />obfigl!llkin& for lh• c:laim end, ;1,;ludin9 04r ol;,ligatiar, la dofand, or
<br />conllnYo to dalellll, any k,g~I o~on.
<br />c, lvan r W■ do not tlllhk lhal lh• Poli~ covers il,11 clalm, Wa 1noy cfloose
<br />one or n,gra of the optioM 11bov•. 1;1y doing 11c, Wr, do not Qillo up ~ny
<br />righllt,
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