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a. that are created, allowed, or agreed to by You, whether or not they are recorded in <br />the Public Records; <br />b. that are Known to You at the Policy Date, but not to Us, unless they are recorded <br />in the Public Records at the Policy Date; <br />C. that result in no loss to You; or <br />d. that first occur after the Policy Date - this does not limit the coverage described in <br />Covered Risk 7, 8.e., 25, 26, 27 or 28. <br />5. Failure to pay value for Your Title. <br />6. Lack of a right: <br />a. to any land outside the area specifically described and referred to in paragraph 3 of <br />Schedule A; and <br />b. in streets, alleys, or waterways that touch the Land. <br />This Exclusion does not limit the coverage described in Covered Risk 11 or 21. <br />7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer <br />or conveyance under federal bankruptcy, state insolvency, or similar creditors' rights laws. <br />8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. <br />9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, <br />or any other substances. <br />LIMITATIONS ON COVERED RISI{S <br />Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as <br />follows: <br />• For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar <br />Limit of Liability shown in Schedule A. <br />The deductible amounts and maximum dollar limits shown on Schedule A are as follows: <br />Your Deductible Amount <br />Covered Risk 16: <br />1.00% of Policy Amount Shown in Schedule A or $2,500.00 <br />(whichever is less) <br />Covered Risk 18: <br />1.00% of Policy Amount Shown in Schedule A or $5,000.00 <br />(whichever is less) <br />Covered Risk 19: <br />1.00% of Policy Amount Shown in Schedule A or $5,000.00 <br />(whichever is less) <br />Covered Risk 21: <br />1.00% of Policy Amount Shown in Schedule A or $2,500.00 <br />(whichever is less) <br />2006 ALTA LOAN POLICY (06-17-06) <br />EXCLUSIONS FROM COVERAGE <br />Our Maximum Dollar <br />Limit of Liability <br />$ 10,000.00 <br />$ 25,000.00 <br />$ 25,000.00 <br />$ 5,000.00 <br />The following matters are expressly excluded from the coverage of this policy, and the Company <br />will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: <br />(a) Any law, ordinance, permit, or governmental regulation (including those relating <br />to building and zoning) restricting, regulating, prohibiting, or relating to <br />(i) the occupancy, use, or enjoyment of the Land; <br />ATTY/AGR/2025.084/920 SHASTA AFFORDABLE Flo USING LAND DONATION AGREEMENT <br />REV: 10-16-25 VR <br />Exhibit A-2 - 21 <br />