CHICAGO TITLE INSURANCE COMPANY

COMMITMENT FOR TITLE INSURANCE

SCHEDULE A

1.	Effective Date:	File No.:

2.	Policy or Policies to be issued:

a)	[ ] ALTA Owner's Policy - 1990 (Rev. 10-17-92)	Amount:	$

[ ] ALTA Leasehold Owner's Policy - 1990 (Rev. 10-17-92)

[ ] TitlePLUS Owner’s Policy One-to-Four Family Residence (6-1-87) - Enhanced Version

PROPOSED INSURED:

b)	[ ] ALTA Loan Policy - 1990 (Rev. 10-17-92)	Amount:	$

[ ] ALTA Leasehold Loan Policy - 1990 (Rev. 10-17-92)

[ ] TitlePLUS Loan Policy One-to-Four Family Residence (6-1-87) - Enhanced Version

PROPOSED INSURED:

, its successors and/or assigns as their interest may appear

3.	The estate or interest in the land described or referred to in this Commitment and covered herein is .

Title to the estate or interest in said land described or referred to in this commitment is at the effective date hereof vested in:

5.	The land referred to in this Commitment is described as follows:

,

SEE ATTACHED DESCRIPTION

Countersigned:

_____________________________

Authorized Signatory

File No.:

I.	The following are the requirements to be complied with:

A.	Payment to or for the account of the grantors or mortgagors of the full consideration for the estate or interest to be insured.

B.	Proper instrument(s) creating the estate or interest to be insured must be executed and duly filed for record to-wit:

1.	Deed from vesting title in .

2.	Mortgage deed from in favor of securing the insured loan.

3.	The Seller/Borrower must execute the Company's Owner's Affidavit.

C.	Payment and release of the following:

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

File No.:

II.	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:

A.	Standard/Policy Exceptions:

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 of the proposed insured acquires for value of record the estate or interest or mortgage thereon covered by this Commitment.

2.	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.

3.	Rights or claims of parties in possession not shown by the public records.

4.	Any state of facts which an accurate survey or personal inspection of the premises would reveal.

5.	(a)	Riparian and littoral rights of others.

(b)	No title is insured to any filled-in land or land lying below the present or any former mean high water line of any navigable water.

6.	IF THE INSURED PREMISES IS A CONDOMINIUM UNIT:

Covenants, conditions, restrictions, reservations, easements, liens for assessments, options, powers of attorney, and limitations on title as set forth in the Declaration of Condominium, and By-laws as duly recorded in the appropriate Land Records Office and as the same may have been lawfully amended.

7.	Taxes to the Town/City of on the Grand List of October 1, in the amount of $ .

NOTE:	Upon receipt of the COMPREHENSIVE TITLE AFFIDAVIT, Items 2 and 3 above will be deleted from the final policy to be issued, and Item 4 will be deleted from the Residential Loan Policy Only. Matters reflected thereon will be excepted in the final policy or additional underwriting requirements may apply.

NOTE:	Upon receipt of a Class A-2 Survey or Property Survey (as defined in Section 20-300b-2 of the Regulations of Connecticut State Agencies) properly certified to Chicago Title Insurance Company, Item 4 will be omitted from the Owner's or Commercial Policy, or amended in accordance with the facts disclosed thereby.

NOTE:	If policy is to be issued in support of a mortgage loan, attention is directed to the fact that the Company can assume no liability under its policy, the closing instructions, or Insured Closing Service for compliance with the requirements of any consumer credit protection or truth in lending law in connection with said mortgage loan.

NOTE:	Any covenant, condition or restriction based on race, color, religion, sex, handicap, familial status or national origin is omitted, unless and only to the extent that the restriction is not in violation of state or federal law, or relates to a handicap, but does not discriminate against handicapped people.

NOTE:	The coverage provided by this Commitment and any policy issued pursuant hereto shall not commence prior to the date on which all charges properly billed by the Company have been fully paid.

CHICAGO TITLE INSURANCE COMPANY

SCHEDULE A

LOAN FORM

Policy Number

Date of Policy

Amount of Insurance

$

1.	Name of Insured:

, its successors and/or assigns as their interest may appear

2.	The estate or interest referred to herein is at Date of Policy vested in:

3.	The estate or interest in the land described in this Schedule and which is encumbered by the insured mortgage is:

FEE SIMPLE

4.	The mortgage, herein referred to as the insured mortgage, and the assignments thereof, if any, are described as follows:

Mortgage in the amount of $ from to dated and recorded at a.m./p.m. in the Land Records.

5.	The land referred to in this policy is described in Schedule C.

Property Address:

, Connecticut

COUNTERSIGNED

BY___________________________

Authorized Signatory

CHICAGO TITLE INSURANCE COMPANY

RESIDENTIAL SCHEDULE B

LOAN FORM

Loan Policy No.:

NOTE: THIS SCHEDULE SHOULD BE USED ONLY FOR POLICIES INSURING PREMISES USED

OR TO BE USED PRIMARILY FOR 1-4 FAMILY RESIDENTIAL PURPOSES.

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.	Taxes current. Next installment not yet due and payable. Future taxes and assessments not yet due and payable.

Any lien, or right to a lien, for services, labor or materials heretofore or hereafter furnished, imposed by law and not shown by the public records.

Rights or claims of parties in possession.

Any state of facts which an accurate survey or personal inspection of the premises would reveal.

5.	(a)	Riparian and littoral rights of others;

No title is insured to any filled-in land or land lying below the present or any former mean high water line of any navigable water.

6.	IF THE INSURED PREMISES IS A CONDOMINIUM UNIT:

Covenants, conditions, restrictions, reservations, easements, liens for assessments, options, powers of attorney, and limitations on title as set forth in the Declaration of Condominium, and By-laws as duly recorded in the appropriate Land Records Office and as the same may have been lawfully amended.

7.	Mortgage(s), if any, executed by the insured and recorded simultaneously with the deed vesting title in the insured. (Applies to Owner’s Policy Only.)

[X]	FOR ADDITIONAL EXCEPTIONS, SEE SCHEDULE B ADDENDUM ATTACHED HERETO

Exceptions numbered are hereby omitted from the Loan Policy.

The following coverage, as checked, is hereby given with respect to this Loan Policy to the same extent as if the endorsement checked was attached to said policy:

[X]	Affirmative Language Endorsement

[ ]	ALTA 4.1 Condominium Endorsement

[ ]	ALTA 6.0 Variable Rate Mortgage Endorsement

[X]	ALTA 8.1 Environmental Protection Lien Endorsement (This endorsement is hereby completed by adding to the end of paragraph (b) thereof: “NONE”.)

[X]	CTA 001.1 Residential Mortgage Endorsement

[ ]	FNMA Balloon Mortgage Endorsement

[ ]	Variable Rate/Convertible Mortgage Endorsement

[ ]	Residential Survey Endorsement

CHICAGO TITLE INSURANCE COMPANY

SCHEDULE A

OWNER'S FORM

Policy Number

Date of Policy

Amount of Insurance

$

1.	Name of Insured:

2.	The estate or interest in the land described herein and which is covered by this policy is:

Fee Simple

3.	The estate or interest referred to herein is at Date of Policy vested in the Insured.

4.	The land referred to in this policy is described in Schedule C.

Property Address:

, Connecticut

COUNTERSIGNED

BY___________________________

Authorized Signatory

CHICAGO TITLE INSURANCE COMPANY

RESIDENTIAL SCHEDULE B

OWNER’S FORM

Owner’s Policy No.:

NOTE: THIS SCHEDULE SHOULD BE USED ONLY FOR POLICIES INSURING PREMISES USED

OR TO BE USED PRIMARILY FOR 1-4 FAMILY RESIDENTIAL PURPOSES.

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.	Taxes current. Next installment not yet due and payable. Future taxes and assessments not yet due and payable.

Any lien, or right to a lien, for services, labor or materials heretofore or hereafter furnished, imposed by law and not shown by the public records.

Rights or claims of parties in possession.

Any state of facts which an accurate survey or personal inspection of the premises would reveal.

5.	(a)	Riparian and littoral rights of others;

No title is insured to any filled-in land or land lying below the present or any former mean high water line of any navigable water.

6.	IF THE INSURED PREMISES IS A CONDOMINIUM UNIT:

Covenants, conditions, restrictions, reservations, easements, liens for assessments, options, powers of attorney, and limitations on title as set forth in the Declaration of Condominium, and By-laws as duly recorded in the appropriate Land Records Office and as the same may have been lawfully amended.

7.	Mortgage(s), if any, executed by the insured and recorded simultaneously with the deed vesting title in the insured.

[X]	FOR ADDITIONAL EXCEPTIONS, SEE SCHEDULE B ADDENDUM ATTACHED HERETO

Exceptions numbered are hereby omitted from the Owner’s Policy.

INFLATION PROTECTION

The Home Owner's Inflation Endorsement is hereby incorporated into this Owner's Policy to the same extent as if the Endorsement was attached to this policy, provided that the conditions of the endorsement are met.

CONDOMINIUM COVERAGE

If the insured premises is a condominium unit, the coverages contained in the ALTA 4.1 Condominium Endorsement are hereby given with respect to this Owner's Policy to the same extent as if the endorsement was attached to this policy.

CHICAGO TITLE INSURANCE COMPANY

SCHEDULE B

CONTINUATION SHEET

Loan Policy No.:

Owner’s Policy No.:

CHICAGO TITLE INSURANCE COMPANY

SCHEDULE B - PART II

Loan Policy No.:

In addition to the matters set forth in Part I of this Schedule, the title to the estate or interest in the land described or referred to in Schedule A is subject to the following matters, if any be shown, but the Company insures that these matters are subordinate to the lien or charge of the insured mortgage upon the estate or interest:

CHICAGO TITLE INSURANCE COMPANY

SCHEDULE C (Description)

CHICAGO TITLE INSURANCE COMPANY

COMPREHENSIVE TITLE AFFIDAVIT

STATE OF CONNECTICUT )

)SS:

COUNTY OF )

The undersigned, being the owner(s) of property located in the Town of and State of Connecticut and known as , being duly sworn, hereby depose(s) and says:

MECHANICS LIENS

NOTE: If any work has been done within the past 90 days, even if paid for, please contact the Company. Do not modify this section.

1.	Within the last ninety (90) days, no person or firm has performed work or furnished any labor, service or materials in connection with the construction or repair of any buildings or improvements on the property, or in connection with work or services on the land itself (e.g. surveyor).

TENANTS

1.	There are no tenants or parties in possession of the property except:

CONDOMINIUM

1.	All common expense assessments and special assessments currently assessed against the premises have been paid.

2.	There is no "Right of First Refusal" or other restriction on the sale of the premises which has not been waived by the Association.

TITLEPLUS (Enhanced Coverage)

NOTE: This section is used only in connection with the issuance of TitlePLUS (enhanced coverage) policies. If any statement is incorrect, do not modify this section. Please contact the Company.

There have been no additional buildings constructed, or additions added to existing buildings, on the property within the past three (3) years.

There have been no additional living units (e.g. apartments) created in the building(s) on the property in the past three (3) years.

SURVEY UPDATE

1.	I/We have examined a certain survey of the property made by _____________________________________dated ___________ and entitled, "_________________________________________________________________________________________ ".

2.	There have been no additional improvements constructed or exterior alterations made since the date of this survey and the survey reflects the current status of the property.

AFFIDAVIT IN LIEU OF SURVEY

NOTE: This section may be used ONLY for RESIDENTIAL MORTGAGE policies where there has been NO NEW CONSTRUCTION. Matters raised by this affidavit should be EXCEPTED in Schedule B.

1.	I/We are in possession of the property and are familiar with its physical characteristics.

2.	No buildings, fences or improvements on the property appear to extend onto neighboring property nor do buildings, fences or improvements on neighboring properties appear to extend onto the subject property.

3.	There are no mutual driveway, community wells or other facilities or improvements shared with other properties.

4.	There are not trails, roads, wires, pipes or other matters on the property owned or used by others.

5.	There are no lakes, streams or rivers on or crossing the property.

6.	The property adjoins and has access to a public highway.

7.	I/We know of no disputes or claims of others as to the property or its boundaries.

The undersigned makes this affidavit for the purpose of inducing the purchase and/or mortgaging of the property and to induce Chicago Title Insurance Company to issue its policy(ies) of title insurance on it, knowing that reliance is placed on the above statements.

____________________________________

____________________________________

Subscribed and sworn to before me this .

__________________________________

Notary Public

Commissioner of the Superior Court

CHICAGO TITLE INSURANCE COMPANY

10 Columbus Blvd

Hartford, CT 06106

POLICY TRANSMITTAL FORM

December 19, 2001

From:	Re:	Loan Policy No.:

Owner’s Policy No.:

, , CT

The above transaction is a:	[ ] Purchase

[ ] Refinance (Previous policy amount $__________________)

The items checked or otherwise noted below are enclosed:

[ ]	Loan Policy

[ ]	Owner’s Policy

[ ]	TitlePLUS Enhanced Loan Policy

[ ]	TitlePLUS Enhanced Owner’s Policy

[ ]	Check for premium in the amount of $_______________

Gross Premium	$_____________

Net Premium	$_____________

Search Fee	$_____________

Recording Fee	$_____________

Other	$_____________

MORTGAGE PAYOFF NOTIFICATION

(Pursuant to Public Act 97-267

as amended by Public Act 98-49)

TO:

Please be advised that a loan from to , dated , and recorded in the Land Records in the Town of in Volume at Page , bearing Loan Number and secured by a mortgage on , or as otherwise shown on the attached payoff statement,

was paid at closing on .

If you do not receive the mortgage payoff funds within five (5) business days of the date of completion of the closing, you are directed to notify this office immediately as follows:

Notification Agent Name:

Address:

Telephone:	Fax:

This Commitment is invalid unless the Insuring Provisions and Schedules A and B are attached.

CHICAGO TITLE INSURANCE COMPANY

COMMITMENT FOR TITLE INSURANCE

SCHEDULE B

SCHEDULE B (continued)

ALTA LOAN POLICY 1992 (Rev.10-17-92)

SCHEDULE A

FORM 57357B (6/93)	SIMULTANEOUS ISSUE SCHEDULE B CONNECTICUT

LOAN & OWNERS POLICY

SIMULTANEOUS ISSUE SCHEDULE B CONNECTICUT

LOAN POLICY

ALTA OWNER POLICY 1992 (Rev.10-17-92)

OWNER’S POLICY

______________________

Initialed for Identification

ALTA LOAN POLICY 1990 (REV. 10-17-92)

SCHEDULE B-II

COMPREHENSIVE TITLE AFFIDAVIT CONNECTICUT

Commitment, Loan & Owner's Policy Package

Sharon Alleman

2001-12-14

medeirosp

Chicago Title Insurance Company