Commonwealth Land Title Insurance Company, NCS

ALTA ENDORSEMENTS - 119 - SAMPLES AND DESCRIPTIONS COMMONWEALTH LAND TITLE INSURANCE COMPANY b. The lack of priority of the lien of the Insured Mortgage as security for the Indebtedness, including any unpaid interest that was added to principal in accordance with any provisions of the Agreement, interest on interest, or interest as changed in accordance with the provisions of the Insured Mortgage, which lack of priority is caused by: i. Changes in the Rate of Interest; ii. interest on interest; or iii. increases in the principal of the Indebtedness resulting from the addition of unpaid interest. As used in Section 4, “interest” includes lawful interest based on appreciated value. 5. This endorsement does not insure against loss or damage (and the Company will not pay costs, attorneys’ fees, or expenses) resulting from: a. The invalidity, unenforceability, or lack of priority of the lien of the Insured Mortgage as security for any Advance made after a Petition for Relief under the Bankruptcy Code (11 U.S.C.) has been filed by or on behalf of the mortgagor; b. The lien of real estate taxes or assessments on the Title imposed by governmental authority arising after the Date of Policy; c. The lack of priority of the lien of the Insured Mortgage as security for any Advance to a federal tax lien, which Advance is made after the earlier of: i. Knowledge of the Insured that a federal tax lien was filed against the mortgagor; or ii. the expiration, after notice of a federal tax lien filed against the mortgagor, of any grace period for making disbursements with priority over the federal tax lien provided in the Internal Revenue Code (26 U.S.C.); d. Any federal or state environmental protection lien[; or] e. Any usury law or Consumer Protection Law[; or f. Any mechanic’s or materialman’s lien]. 6. The Indebtedness includes Advances. This endorsement is issued as part of the policy. Except as it expressly states, it does not (i) modify any of the terms and provisions of the policy, (ii) modify any prior endorsements, (iii) extend the Date of Policy or (iv) increase the Amount of Insurance. To the extent a provision of the policy or a previous endorsement is inconsistent with an express provision of this endorsement, this endorsement controls. Otherwise, this endorsement is subject to all of the terms and provisions of the policy and of any prior endorsements. [Witness clause] [Date] FIDELITY NATIONA TITLE NSURANCE COMPANY By: ______________________________ Authorized Signatory Endorsement 14.3 -Future Advance – Reverse Mortgage [2021 v. 01.00 (07-01-2021)]