BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Policies and Procedures

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Agent Policy Jackets Sample Policy Number Policy Numbers used for tracking b 106Alta 1992 Owner Policy Jacket b 107Alta 1992 Loan Policy Jacket b 108Leasehold Owner Jacket b 109Leasehold Loan Jacket b 111Short Form Loan Jacket b 118Castle Enhanced Owner Jacket b 119Castle Enhanced Loan Jacket

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Policy Jacket Register Policy NumberAgent File Name or Number Related Policy # PremiumLiabilityPolicy DateDate Reported 08101Jones $320, /1/01 $

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule A (Loan) REISSUE AMOUNT PREMIUM AMOUNT TRANS SI INF TYPE IND. END CODE CODE CODE CODE CODE CODE $2.50 / ST.CTY.. PROP. TYPE AGENT FILE NUMBERPOLICY NUMBERAMOUNT OF INSURANCEDATE OF POLICY Internal File Number Complete Policy Number (all numbers) Date and Time of Recording Loan Amount ($)

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule A (Simultaneous) REISSUE AMOUNT PREMIUM AMOUNT TRANS SI INF TYPE IND. END CODE CODE CODE CODE CODE CODE $3.00 / ST.CTY.. PROP. TYPE AGENT FILE NUMBERPOLICY NUMBERAMOUNT OF INSURANCEDATE OF POLICY Internal File Number Complete Policy Number (all numbers) Date and Time of Recording Loan Amount ($) $ X Purchase Price ($) Complete Policy Number (all numbers) Date and Time of Recording Internal File Number

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule A (Refinance) REISSUE AMOUNT PREMIUM AMOUNT TRANS SI INF TYPE IND. END CODE CODE CODE CODE CODE CODE 60% of previous plus 100% of new ST.CTY.. PROP. TYPE AGENT FILE NUMBERPOLICY NUMBERAMOUNT OF INSURANCEDATE OF POLICY Internal File Number Complete Policy Number (all numbers) Date and Time of Recording New Loan Amount ($) Original Loan Amount ($)

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule A (Refinance Sample) REISSUE AMOUNT PREMIUM AMOUNT TRANS SI INF TYPE IND. END CODE CODE CODE CODE CODE CODE $ ST.CTY.. PROP. TYPE AGENT FILE NUMBERPOLICY NUMBERAMOUNT OF INSURANCEDATE OF POLICY T January 2, 4:00 p.m. $96, $65,000.00

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Refinance Calculation Example Original Loan Policy: $65, Refinance Loan Policy: $96, Premium$ (Original) (x).60 (Discount) $ (credit on original policy) 2.50/1000 (+) $ (premium on new money) TOTAL $175.00

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule A Schedule A (Form) 1. Name of Insured: Lender Name, its successors and or assigns as their interests may appear. 2. Title to the estate or interest in the land is vested in: Buyers Names (ie. John Smith and Sally Smith) Fee Simple. 3. The estate or interest in the land which is encumbered by the insured mortgage is: 4. The insured mortgage and assignments thereof, if any, are described as follows: 5. The land referred to in this policy is located atStreet, In the City/Town of ______________, County of _________________, State of ________________, and also known as Lot Number _________ in _______________________ Subdivision, and is described as follows: (See Exhibit A) 134 Main Street Norwell Plymouth Massachusetts 12 Bell Estates Mortgage from __________________to ________________________ in the original principal amount of $ _______________ dated ____________________ and duly recorded with said ____________ Registry of Deeds on ___________.

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Exhibit ADescription Exhibit A Description (Metes and Bounds) INSTRUCTIONS ON PREPARING A DESCRIPTION SHEET The Schedule A legal description should contain only the actual property description. The references to exact acreage and/or square footage should be deleted. Any prior title references should be deleted. Specific references to recorded easements, restrictions, etc. should also be deleted from the Schedule B of the policy as exceptions to title. Remember the description sheet is part of Schedule A. Schedule A reflects the items the Company does insure. Schedule B reflects the items the Company is taking exception to.

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Exhibit ADescription Exhibit A Description (Sample Residential) A certain parcel of land, with the buildings thereon situated on the Southwesterly side of Jericho Road in Pelham, Hillsborough County, New Hampshire and bounded and described as follows: Beginning at a set hub on the Southwesterly side of Jericho Road which stake is 250 feet West of the State Line boundary between the State of New Hampshire and the Commonwealth of Massachusetts: Thence running South 62 degrees West 505 feet, more or less to an iron pipe in a stone wall; Thence North 54 degrees 29’ West 30 feet, more or less, to a corner of a wall; Thence North 7 degrees 41’ West feet to an iron pipe; Thence North 83 degrees 9’ feet; Thence North 38 degrees 15’ East feet to an iron pipe; Thence South 55 degrees 24’ East feet to a set hub at the point of beginning.

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Exhibit ADescription Exhibit A Description (Sample Condominium) The certain condominium unit known Unit 23 in ABC Condominium created by Master Deed dated July 15, 1984, and recorded on August 5, 1984, with the Middlesex South District Registry of Deeds, Book 1234, Page 123. Together with the undivided PERCENTAGE INTEREST in the common areas and facilities of the Condominium, as described in the Master Deed, as the same may be amended.

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule B Loan Policy (Exceptions from Coverage ) Policy Number: _____________________ Owners Loan Policy Number: _____________________ EXCEPTIONS FROM COVERAGE 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) Rights of present tenants, lessees or parties in possession. (2) Any liability for mechanics’ or materialmen’s liens. (3) Discrepancies, conflicts in boundary lines, shortage in area, encroachments, and any facts which an accurate survey and inspection of the premises would disclose. (4) The Mortgage, if any, referred to in Item 4 of Schedule A. (Note: This exception does NOT apply to Loan Policies.) (5) Liens for taxes and assessments which become due and payable subsequent to the date of the policy. Taxes are paid through ___________________________. (6) IF THE INSURED PREMISES IS A CONDOMINIUM UNIT: (a) Covenants, conditions, restrictions, reservations, easements, liens for assessments, options, powers of attorney, and limitations on title, created by the laws of the state of the insured premises or set forth in the Master Deed or Declaration of Condominium, in the related By-Laws, in the Declaration of Trust, or Site Plans and Floor Plans as duly recorded in the appropriate land records office and as the same may have been lawfully amended, and in any instrument creating the estate or interest insured by this policy. (b) Loss or damage arising as a result of liens for common charges and attorney’s fees pursuant to Chapter 400 of the Acts of (Note: Exception 6(b) ONLY applies to condominium units located in the Commonwealth of Massachusetts.) Deleted with Affidavit #1 (Sellers) Plot Plan June 1, 2001

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) Schedule B - Part II In addition to the matters set forth in Part I of the Schedule, the title to the estate or interest in the land described or referred to in Schedule A is subject to the following matters, but the Company insures that such matters are subordinate to the lien or charge of the insured mortgage upon said estate or interest. List all items recorded behind the insured instrument. Common Schedule B- Part II exceptions are: Second Mortgages, Equity Loans, Subordination Agreements, Homesteads, UCC Financing Statements

BOSTON OFFICE: 75 Federal Street, 4th Floor Boston, MA Tel (617) (800) Fax (617) SCHEDULE B Continuation Sheet b The Schedule B continuation sheet should be used in the event more space is needed to raise additional Schedule B exceptions.