There are 5 endorsements to use when modifying, amending or assigning an existing loan policy. They are as follows:

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2 There are 5 endorsements to use when modifying, amending or assigning an existing loan policy. They are as follows: ALTA Endorsement, Assignment (Rev. 02/03/10); ALTA Endorsement, Assignment and Date Down (Rev. 02/03/10); The ALTA 10 insures the effectiveness of the assignment of the insured mortgage and that there have been no releases or re-conveyances placed of record other than as shown. Form 10.1 provides the same coverages as the Form 10 and gives additional coverage over other certain maters occurring after the Date of Policy and before the Date of Endorsement. These matters include: real estate taxes or assessments; priority of intervening defects, liens or encumbrances; and federal tax liens or bankruptcy proceedings. ALTA Endorsement, Mortgage Modification (6/17/06); ALTA Endorsement, Mortgage Modification with Subordination (10/22/09); The ALTA 11 created to insure lenders that the modification of the insured mortgage evidenced by the document referred to in the endorsement does not impair the validity, enforceability or priority of the insured mortgage as of the date of the endorsements. Form 11.1 also insures against loss based on a specific matter not being subordinate to the lien of the insured mortgage. Blank Endorsement. Endorsement s do not have filed rates in Tennessee, but instead have recommended charges. The above endorsements are calculated as below: Assignment of Mortgage ALTA $0.10 per $1, Assignment of Mortgage and Downdate ALTA $0.15 per $1, Mortgage Modification ALTA $0.35 per $1, Mortgage Modification ALTA $0.35 per $1, Blank Modification Endorsement $0.35 per $1, The base cost of the endorsement is figured as follows: You will take the amount of the policy or the amount of the loan balance and divide by 1000, then multiply by the factor the applies above for a modification endorsement. If there is an increase in the amount of coverage, the cost of the endorsement will consist of the base cost plus the cost of the increase which if figured as follows: divide the increased amount by 1000 and then multiple by the tier level that applies. See tier levels below.

3 TIER LEVELS FOR ALL BRANDS National Rate Liability Per Thousand First $50, of liability $4.25 Over $50, and up to $100, $3.50 Over $100, and up to $1,000, $2.50 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Davidson, Rutherford and Williamson Counties Liability Per Thousand First $1, of liability $ Over $1, and up to $100, $6.00 Over $100, and up to $500, $4.50 Over $500, and up to $1,000, $3.00 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Hamilton and Knox Counties Liability Per Thousand First $1, of liability $ Over $1, and up to $100, $6.00 Over $100, and up to $1,000, $3.00 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Shelby County Liability Per Thousand First $1, of liability $ Over $1, and up to $100, $4.00 Over $100, and up to $1,000, $3.00 Over $1,000, $1.00 MINIMUM RATE $200.00

4 Each agent has the ability to endorse any policy that was issued on their brand, regardless if they issued the policy or not. They can also endorse the policies of the companies that have merged into any FNTG brand, as follows: Chicago Title Insurance Company: You can endorse the following companies with the language: Chicago Title Insurance Company successor by merger to. American Pioneer Title Insurance Company Ticor Title Insurance Company Ticor Title of Florida Insurance Company Security Union Title Insurance Company Fidelity National Title Insurance Company: You can endorse the following companies with the language: Fidelity National Title Insurance Company successor by merger to. Nations Title Insurance Company Lawyers Title Insurance Corporation Fidelity National Title Company of New York Transnation Title Insurance Company Commonwealth Title Insurance Company Please see Underwriting Counsel for specific requirements on issuing endorsements. You will need to report the Endorsement Premium on the below excel spreadsheet. You will need to state your file number, the original policy number, the date of the modification/amendment or assignment, the amount of the increase (if any), the total amount charged to the client, and then underwriter s portion. This will need to be sent to Agency as follows: Agency Jennifer Hood Jennifer.hood@fnf.com Fax: Address: 6840 Carothers Parkway, Suite 200 Franklin, TN or Candace Tenhet Candace.tenhet@fnf.com Fax: Address: 6840 Carothers Parkway, Suite 200 Franklin, TN 37067

5 FNTG POLICY ENDORSEMENT REPORT Date: To: Agent Name: Agent ID: File # Policy # Amended Date of Policy Increased Insurance Amount Endorsement Type Gross Premium Net Remittance to CTIC TOTAL: $0.00

6 ALTA (Assignment) (Rev 02/03/10) ENDORSEMENT Attached to Policy No. Fill in policy number Issued By Chicago Title Insurance Company 1. The name of the Insured at Date of Endorsement and referred to in this endorsement as the Assignee is amended to read: Fill in name of new Lender 2. The Company insures against loss or damage sustained by the Assignee by reason of: a. The failure of the following assignment to vest title to the Insured Mortgage in the Assignee: Fill in Assignment recording Information b. Any modification, partial or full reconveyance, release, or discharge of the lien of the Insured Mortgage recorded on or prior to Date of Endorsement in the Public Records other than those shown in the policy or a prior endorsement, except: This endorsement does not insure against loss or damage, and the Company will not pay costs, attorneys fees, or expenses, by reason of any claim that arises out of of the transaction creating the assignment by reason of the operation of federal bankruptcy, state insolvency, or similar creditors rights laws that is based on: 1. the assignment being deemed a fraudulent conveyance or fraudulent transfer; or 2. the assignment being deemed a preferential transfer. Fill in any modifications or releases This endorsement shall be effective provided that, at Date of Endorsement, (1) the note or notes secured by the lien of the Insured Mortgage have been properly endorsed and delivered to the Assignee, or (2) if the note or notes are transferable records, the Assignee has control of the single authoritative copy of each transferable record as these terms are defined by applicable electronic transaction laws. 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. BY:

7 ALTA (Assignment and Date Down) (REV. 02/03/10) ENDORSEMENT Attached to Policy No. Fill in policy number Issued By Chicago Title Insurance Company 1. The name of the Insured at Date of Endorsement and referred to in this endorsement as the Assignee is amended to read: Fill in name of new Lender 2. The Company insures against loss or damage sustained by the Assignee by reason of: a. The failure of the following assignment to vest title to the Insured Mortgage in the Assignee: Fill in Assignment recording information b. Any liens for taxes or assessments that are due and payable on Date of Endorsement, except: Fill in any new tax amounts owed c. Lack of priority of the lien of the Insured Mortgage over defects, liens, or encumbrances other than those shown in the policy or a prior endorsement, except: Fill in any newly recorded documents since the date of policy d. Notices of federal tax liens or notices of pending bankruptcy proceedings affecting the Title and recorded subsequent to Date of Policy in the Public Records and on or prior to Date of Endorsement, except: Fill in any federal tax liens or bankruptcy e. Any modification, partial or full reconveyance, release or discharge of the lien of the Insured Mortgage recorded on or prior to Date of Endorsement in the Public Records other than those shown in the policy or a prior endorsement, except: Fill in any releases or modifications This endorsement does not insure against loss or damage, and the Company will not pay costs, attorneys fees, or expenses, by reason of any claim that arises out of the transaction creating the assignment by reason of the operation of federal bankruptcy, state insolvency, or similar creditors rights laws that is based on: 1. the assignment being deemed a fraudulent conveyance or fraudulent transfer; or 2. the assignment being deemed a preferential transfer. This endorsement shall be effective provided that, at Date of Endorsement, (1) the note or notes secured by the lien of the Insured Mortgage have been properly endorsed and delivered to the Assignee, or (2) if the note or notes are transferable records, the Assignee has control of the single authoritative copy of each transferable record as these terms are defined by applicable electronic transaction laws. 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. Date: BY:

8 ALTA 11 (Mortgage Modification) (06/17/06) ENDORSEMENT Attached to Policy No. Fill in policy number Issued by Chicago Title Insurance Company The Company insures against loss or damage sustained by the Insured by reason of: 1. The invalidity or unenforceability of the lien of the Insured Mortgage upon the Title at Date of Endorsement as a result of the agreement dated Fill in date of modification/amendment recorded Fill in recording date/time and Instrument No. ("Modification"); and 2. The lack of priority of the lien of the Insured Mortgage, at Date of Endorsement, over defects in or liens or encumbrances on the Title, except for those shown in the policy or any prior endorsement and except: Fill in any newly recorded documents since the date of policy This endorsement does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or expenses, by reason of any claim that arises out of the transaction creating the Modification by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws that is based on: 1. the Modification being deemed a fraudulent conveyance or fraudulent transfer; or 2. the Modification being deemed a preferential transfer except where the preferential transfer results from the failure a. to timely record the instrument of transfer; or b. of such recordation to impart notice to a purchaser for value or to a judgment or lien creditor. 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. Date: BY:

9 ALTA (Mortgage Modification with Subordination) (10/22/09) ENDORSEMENT Attached to Policy No. Fill in policy number Issued By Chicago Title Insurance Company The Company insures against loss or damage sustained by the Insured by reason of: 1. The invalidity or unenforceability of the lien of the Insured Mortgage upon the Title at Date of Endorsement as a result of the agreement dated Fill in date of modification/amendment,, recorded Fill in recording date/time and Instrument No., ("Modification"); and 2. The lack of priority of the lien of the Insured Mortgage, at Date of Endorsement, over defects in or liens or encumbrances on the Title, except for those shown in the policy or any prior endorsement and except: Fill in any newly recorded documents since the date of policy 3. The following matters not being subordinate to the lien of the Insured Mortgage: Fill in any item that is subordinate to the insured Deed of Trust This endorsement does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or expenses, by reason of any claim that arises out of the transaction creating the Modification by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws that is based on: 1. the Modification being deemed a fraudulent conveyance or fraudulent transfer; or 2. the Modification being deemed a preferential transfer except where the preferential transfer results from the failure a. to timely record the instrument of transfer; or b. of such recordation to impart notice to a purchaser for value or to a judgment or lien creditor. 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. Date: BY:

10 Blank Modification ENDORSEMENT Attached to Policy No. Fill in policy number Issued by Chicago Title Insurance Company Said Policy is hereby amended as follows: 1. By changing the Date of Policy to Fill in date of recorded modification/amendment 2. The amount of the insurance shall now read Fill in the new policy amount 3. By changing the name of the insured to If applies, insert name of new lender 4. By adding the following to Schedule A, Item 4: Insert description of new modification: Ex: Said Deed of Trust has been modified by Modification of Deed of Trust of record in Book, Page, Register s Office of County, Tennessee. 5. By adding to Schedule B, Taxes for the year 2013, a lien, not yet due or payable. Add any newly recorded document since the date of the policy Generally these can be removed with a clean owner s affidavit Rights or claims of parties in possession not shown by the public records as to matters arising since Fill in date of original policy 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 as to matters arising since Fill in date of original policy Encroachments, overlaps, boundary line disputes, and any matters which would be disclosed by an accurate survey and inspection of the premises as to matters arising since Fill in date of original policy Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public records or attaching subsequent to the Effective Date of Search herein but prior to the date and time of recording of the amendment/modification of deed of trust. 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. By:

11 SCENERIO 1 Assignment (ALTA 10) Sumner County Loan Policy $575, Assignment of Lender to Bank of America not bringing the date forward $575, $0.10 $57.50 Total Premium National Rate Tier Liability Per Thousand First $50, of liability -$4.25 Over $50, and up to $100, $3.50 Over $100, and up to $1,000, $2.50 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Premium falls below minimum $ Fee Charged to Client in addition to Search Fee No split is required NOTE: Davidson, Rutherford, Williamson, Knox, Hamilton and Shelby County Minimum is $200.00

12 SCENERIO 2 - Assignment and Downdate (ALTA 10.1) Montgomery County Loan Policy $1,300, Assigning lender and bringing the date of the endorsement forward to the recorded assignment Coverage as to matters in the endorsement only $1,300, , $0.15 $ Bringing the date forward of the endorsements, need to charge to re-insure original policy. $ Total Premium Charged to Client in addition to Search Fee Split premium at normal rate report on excel spreadsheet to agency

13 SCENERIO 3 Mortgage Modification (ALTA 11) Wilson County Loan Policy $575, Bringing the date of the endorsement forward to recorded modification date Coverage as to matters in the endorsement only $575, $0.35 $ Bringing the date of the endorsement forward, need to charge to re-insure original policy. $ Total Premium Charged to Client in addition to Search Fee Split premium at normal rate report on excel spreadsheet to agency

14 SCENERIO 4 Mortgage Modification with subordination (ALTA 11.1) Maury County Loan Policy $778, Bringing the date of endorsement forward to recorded modification date Coverage as to matters in the endorsement only $778, $0.35 $ Bringing the date of endorsements forward, need to charge to re-insure original policy. $ Total Premium Charged to Client in addition to Search Fee Split premium at normal rate report on excel spreadsheet to agency

15 SCENERIO 5 Blank Modification Endorsement Sumner County Loan Policy $575, Increase loan amount by $65, Bringing the date of policy forward to recorded modification date $575, $0.35 $ Bringing the date of policy forward, so will need to charge to re-insure original policy. National Rate Tier Liability Per Thousand First $50, of liability -$4.25 Over $50, and up to $100, $3.50 Over $100, and up to $1,000, $2.50 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Original Policy Amount falls into this tier $65, $2.50 $ New premium on the additional loan funding $ $ $ Total Premium Charged to Client in addition to Search Fee Split premium at normal rate report on excel spreadsheet to agency

16 SCENERIO 6 Blank Modification Wilson County Loan Policy $775, Increase loan amount by $240, Bringing the date of policy forward to recorded modification date $775, $0.35 $ Bringing the date of policy forward, so will need to charge to re-insure original policy. National Rate Tier Liability Per Thousand First $50, of liability -$4.25 Over $50, and up to $100, $3.50 Over $100, and up to $1,000, $2.50 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Original Policy Amount falls into this tier New Policy amount falls into this tier $225,000.00* $2.50 $ Premium on the additional loan funding up to the tier ending amount $15,000.00* $2.00 $30.00 Premium on the additional loan funding at the additional tier level *New loan funding when combined with the original policy amount must fall between the tier levels or you will need to advance to the next tier to calculate correctly. $ $ $30.00 $ Total Premium Charged to Client in addition to search fee Split premium at normal rate report on excel spreadsheet to agency *Due to the increase in policy amount, you will need over the limit approval*

17 SCENERIO 7 Blank Modification Montgomery County Loan Policy $800, Paid down to $700, Increase loan amount by $150, Bringing the date of policy forward to recorded modification date $700, $0.35 $ Bringing the date of policy forward, so will need to charge to re-insure original policy. National Rate Tier Liability Per Thousand First $50, of liability -$4.25 Over $50, and up to $100, $3.50 Over $100, and up to $1,000, $2.50 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Original Policy Amount falls into this tier $150, $2.50 $ New premium on the additional loan funding $ $ $ Total Premium Charged to Client in addition to search fee Split premium at normal rate report on excel spreadsheet to agency

18 SCENERIO 8 Blank Modification Rutherford County Loan Policy $275, Increase loan amount by $25, Bringing the date of policy forward to recorded modification date $275, $0.35 $96.25 Bringing the date of policy forward, so will need to charge to re-insure original policy. Davidson, Rutherford and Williamson Counties Liability Per Thousand First $1, of liability $ Over $1, and up to $100, $6.00 Over $100, and up to $500, $4.50 Over $500, and up to $1,000, $3.00 Over $1,000, and up to $5,000, $2.00 Over $5,000, and up to $10,000, $1.50 Over $10,000, and up to $15,000, $1.25 Over $15,000, $1.00 MINIMUM RATE $ Original Policy Amount falls into this tier $20, $4.50 $90.00 New premium on the additional loan funding $ $90.00 $ Total Premium falls below minimum rate $ Total Premium Charged to Client in addition to Search Fee Split premium at normal rate report on excel spreadsheet to agency