COMMITMENT REQUIREMENTS (SCHEDULE B-1):

The following are the requirements to be complied with:

1.	The Instrument(s) creating the estate or interest to be insured must be approved, executed, delivered and filed for record.

2.	Pay the agreed amounts for the interest in the land and/or the mortgage to be insured.

3.	Pay us the premiums, fees and charges for the policy.

4.	You must tell us in writing the name of anyone not referred to in this Commitment who will get an interest in the land or who will make a loan on the land, and we may make additional requirements or exceptions relating to the interest or loan.

5.	Original photo identification for all parties to the transaction must be provided.

6.	Proof to be furnished that as to each grantor/mortgagor who is an individual, if presently married, that he/she is neither separated from his/her spouse nor a party to any pending divorce proceeding in any jurisdiction, otherwise, the non-record spouse must join in the deed or mortgage contemplated hereunder.

7.	Proof that there are no overdue support obligations of record with the Domestic Relations Section of the parties to this transaction, up through the date of recording of the instruments to be insured.

8.	If any improvements have been made in the past six months, all unfiled claims of mechanics and materialmen will be excepted as follows: Any lien or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law and not shown by the Public Records.

9.	Town, County and School Taxes and Water and Sewer Rents for the prior three years. (Receipts to be produced and filed with the Company.) If certification of payment or amount due is obtained from the taxing and municipal authorities in lieu of such receipts, proof must be provided that the taxing and municipal authorities have not turned collection of any unpaid amounts over to a collection agency or law firm. Absent such proof, or if the taxing or municipal authorities have turned collection over to a collection agency or law firm, then additional certification of payment or amount due to be obtained from such collection agency or law firm.

10.	Real Estate Taxes and Municipal Claims (If paid, receipts are to be produced and filed with the Company.)

Assessment: $246	244
243
County Tax: $`	Twp/Boro Tax: $`	School Tax: $`
County/Twp/Boro Due: 4/2014	School Due 8/2014

11.	The Company may make other requirements or exceptions upon its review of the documents creating the estate or interest to be insured or otherwise ascertaining details of the transaction.

COMMITMENT EXCEPTIONS (SCHEDULE B-2)

Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company:

1.	Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the Public Records or attaching subsequent to the Effective Date hereof but prior to the date the proposed Insured acquires for value of record the estate or interest or mortgage thereon covered by this Commitment.

2.	Rights or claims by parties in possession or under the terms of any unrecorded lease or agreement(s) of sale.

3.	Any variation in location of lines or dimensions or other matters which an accurate survey would disclose.

4.	Easements, or claims of easements, not shown by the Public Records.

5.	Possible tax increase based on additional assessments.

6.	Accuracy of area content not insured.

7.	Title to that part of the premises lying in the bed and right of way of all roads, driveways and alleyways is subject to public and private rights therein.

ALTA LOAN POLICY EXCEPTIONS:

1.	Any variation in location of lines or dimensions or other matters which an accurate survey would disclose.

2.	Easements, or claims of easements, not shown by the Public Records.

3.	Possible tax increase based on additional assessments, not yet due and payable.

4.	Accuracy of area content not insured.

ALTA OWNER'S POLICY EXCEPTIONS:

1.	Rights or claims by parties in possession or under the terms of any unrecorded lease or agreement(s) of sale.

2.	Any variation in location of lines or dimensions or other matters which an accurate survey would disclose.

3.	Easements, or claims of easements, not shown by the Public Records.

4.	Possible tax increase based on additional assessments.

5.	Accuracy of area content not insured.

ENHANCED LOAN POLICY EXCEPTIONS:

1.	The following state statutes, reference to which are made part of the ALTA 8.1-06 (Environmental Protection Lien Endorsement) are incorporated into this Policy: The Land and Water Conservation and Reclamation Act - 32 P.S. Section 5101 et seq.

2.	Any variation in location of lines or dimensions or other matters which an accurate survey would disclose.

3.	Easements, or claims of easements, not shown by the Public Records.

4.	Possible tax increase based on additional assessments, not yet due and payable.

5.	Accuracy of area content not insured.

ENHANCED OWNER'S POLICY EXCEPTIONS:

1.	Any variation in location of lines or dimensions or other matters which an accurate survey would disclose.

2.	Easements, or claims of easements, not shown by the Public Records.

3.	Possible tax increase based on additional assessments.

4.	Accuracy of area content not insured.

??

??

??

??