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 A.

Address:

Town:

State:	Connecticut

Lot:

Subdivision

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]	Form 57183 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

[ ]	Form 26-877-90 FNMA Balloon Mortgage Endorsement

[ ]	Form 26-772-88 Variable Rate/Convertible Mortgage Endorsement

[ ]	Form 26-07/603-93 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 A.

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 A (Description)

CHICAGO TITLE INSURANCE COMPANY

ENVIRONMENTAL PROTECTION LIEN ENDORSEMENT

Attached to and made a part of Chicago Title Insurance Company Loan Policy No.

The insurance afforded by this endorsement is only effective if the land is used or is to be used primarily for residential purposes.

The Company insures the insured against loss or damage sustained by reason of lack of priority of the lien of the insured mortgage over:

(a) any environmental protection lien which, at Date of Policy, is recorded in those records established under state statutes at Date of Policy for the purpose of imparting constructive notice of matters relating to real property to purchasers for value and without knowledge, or filed in the records of the clerk of the United States district court for the district in which the land is located, except as set forth in Schedule B; or

(b) any environmental protection lien provided for by any state statute in effect at Date of Policy, except environmental protection liens provided for by the following state statutes: NONE

This endorsement is made a part of this policy and is subject to all of the terms and provisions thereof and of any prior endorsements thereto. Except to the extent expressly stated, it neither modifies any of the terms and provisions of the policy and any prior endorsements, nor does it extend the effective date of the policy and any prior endorsements, nor does it increase the face amount thereof.

IN WITNESS WHEREOF, the Company has caused this Endorsement to be signed and sealed as of the date of the attached Loan Policy, to be valid when countersigned by an authorized officer or agent of the Company, all in accordance with its By-Laws.

COUNTERSIGNED:

BY: __________________________________

Authorized Signatory

CHICAGO TITLE INSURANCE COMPANY

VARIABLE RATE MORTGAGE ENDORSEMENT

Attached to and made a part of Chicago Title Insurance Company Loan Policy No.

The Company hereby insures the owner of the indebtedness secured by the insured mortgage against loss or damage sustained by reason of:

1. The invalidity or unenforceability of the lien of the insured mortgage resulting from the provisions therein which provide for changes in the rate of interest.

2. Loss of priority of the line of the insured mortgage as security for the unpaid principal balance of the loan, together with interest as changed in accordance with the provisions of the insured mortgage, which loss of priority is caused by the changes in the rate of interest.

"Changes in the rate of interest," as used in this endorsement, shall mean only those changes in the rate of interest calculated pursuant to the formula provided in the insured mortgage at Date of Policy.

This endorsement does not insure against loss or damage based upon (a) usury, or (b) any consumer credit protection or truth in lending law.

This endorsement is made a part of the policy and is subject to all of the terms and provisions thereof and of any prior endorsements thereto, except that the insurance afforded by this endorsement is not subject to Section 3(d) of the Exclusions From Coverage. Except to the extent expressly stated, it neither modifies any of the terms and provisions of the policy and any prior endorsements, nor does it extend the effective date of the policy and any prior endorsements, nor does it increase the face amount thereof.

IN WITNESS WHEREOF, the Company has caused this Endorsement to be signed and sealed as of the date of the attached Loan Policy, to be valid when countersigned by an authorized officer or agent of the Company, all in accordance with its By-Laws.

COUNTERSIGNED:

BY: __________________________________

Authorized Signatory

CHICAGO TITLE INSURANCE COMPANY

AFFIRMATIVE LANGUAGE ENDORSEMENT

(SECONDARY MORTGAGE MARKET)

(For use with Loan Policies Only)

Attached to and made a part of Chicago Title Insurance Company Loan Policy No.

The insurance afforded by this endorsement is effective only if the land, as of the Date of Policy, is used exclusively for one-to-four family residential purposes.

The Company insures against loss or damage sustained by reason of any inaccuracies in the following assurances:

a)	Taxes and/or Assessments: that as to any taxes and/or municipal assessments set forth in Schedule B, Part I of the policy, as of the Date of Policy, all payments due by reason of said matters are current and the next installment is not yet due and payable.

b)	Covenants, Conditions and/or Restrictions: that as to any covenants, conditions and/or restrictions set forth in Schedule B, Part I of the policy, there are no violations thereof as of the Date of Policy and the instruments creating such matters do not contain provisions for forfeiture or reverter of title.

c)	Easements and/or Rights of Way: that as to any easements and/or rights of way set forth in Schedule B, Part I of the policy, as of the Date of Policy, none of the present improvements on the land encroach upon said easements and/or rights of way and the exercise of rights pursuant to such easements and/or rights of way do not interfere with the present use of said improvements, and

d)	Any violations, variations, encroachments or adverse circumstances affecting the title that would have been disclosed by an accurate survey.

This endorsement when countersigned by an authorized signatory, is made a part of the policy and is subject to all of the terms and provisions thereof and of any prior endorsements thereto.

Except to the extent expressly stated, it neither modifies any of the terms and provisions of the policy and any prior endorsements, nor does it extend the effective date of the policy and any prior endorsements, nor does it increase the face amount thereof.

IN WITNESS WHEREOF, the Company has caused this Endorsement to be signed and sealed as of the date of the attached Loan Policy, to be valid when countersigned by an authorized officer or agent of the Company, all in accordance with its By-Laws.

COUNTERSIGNED:

BY: __________________________________

Authorized Signatory

CHICAGO TITLE INSURANCE COMPANY

RESIDENTIAL MORTGAGE ENDORSEMENT

Attached to and made a part of Chicago Title Insurance Company Loan Policy No.

The Company insures the owner of the indebtedness secured by the insured mortgage against loss or damage sustained by reason of any inaccuracies in the following assurances:

1.	That the location of any easement or right of way referred to in Schedule B is ascertainable and fixed and that the exercise of any rights pursuant to any easement or right of way referred to in Schedule B will not interfere with the use of the buildings and improvements presently located on the insured premises for residential purposes, and that none of the improvements located on the insured premises encroach upon said easement or right of way;

2.	That there are no violations of any covenants, conditions or restrictions referred to in Schedule B, and that a future violation thereof will not cause a forfeiture or reversion of title or otherwise affect the lien of the mortgage insured;

3. That there are no discrepancies, conflicts in boundary lines, shortage in area, violations, variations, encroachments, adverse circumstances, or other facts which an accurate survey would disclose relating to the land.

To the extent that they are checked, the following standard ALTA Endorsements are incorporated by reference as if they were attached to the policy:

[ ] ALTA-4 -	Condominium Endorsement

[ ] ALTA-5 -	PUD Endorsement

[ ] ALTA-6 -	Variable Rate Mortgage Endorsement

[ ] ALTA-6.2 -	Negative Amortization Endorsement

[ ] ALTA-8.1 -	Environmental Protection Lien Endorsement referring to the following state statutes in subparagraph (b): None

The total liability of the Company under said policy, binder or commitment and under this and any prior endorsements thereto shall not exceed, in the aggregate, the amount of liability stated on the face of said policy, binder, or commitment, as the same may be specifically amended in dollar amount by this or any prior endorsements, and the costs which the Company is obligated to pay under the Conditions and Stipulations of the policy.

This endorsement is made a part of said policy, binder or commitment and is subject to all the terms and provisions thereof, except as modified by the provisions hereof.

Nothing herein contained shall be construed as extending or changing the effective date of the aforesaid policy, binder or commitment unless otherwise expressly stated.

IN WITNESS WHEREOF, the Company has caused this Endorsement to be signed and sealed as of the date of the attached Loan Policy, to be valid when countersigned by an authorized officer or agent of the Company, all in accordance with its By-Laws.

COUNTERSIGNED:

BY: __________________________________

Authorized Signatory

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

January 22, 2002

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:

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

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

SCHEDULE B-II

COMPREHENSIVE TITLE AFFIDAVIT CONNECTICUT

Loan & Owner's Policy Package with Endorsements

Sharon Alleman

2001-12-14

medeirosp

Chicago Title Insurance Company