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(ii) the character, dimensions, or location of any improvement erected on the <br />Land; <br />(iii) the subdivision of land; or <br />(iv) environmental protection; <br />or the effect of any violation of these laws, ordinances, or governmental regulations. <br />This Exclusion 1(a) does not modify or limit the coverage provided under Covered <br />Risk 5. <br />(b) Any governmental police power. This Exclusion I(b) does not modify or limit the <br />coverage provided tinder Covered Risk 6. <br />2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided <br />under Covered Risk 7 or 8. <br />3. Defects, liens, encumbrances, adverse claims, or other matters <br />(a) created, suffered, assumed, or agreed to by the Insured Claimant; <br />(b) not Known to the Company, not recorded in the Public Records at Date of Policy, <br />but Known to the Insured Claimant and not disclosed in writing to the Company by <br />the Insured Claimant prior to the date the Insured Claimant became an Insured <br />under this policy; <br />(c) resulting in no loss or damage to the Insured Claimant; <br />(d) attaching or created subsequent to Date of Policy (however, this does not modify <br />or limit the coverage provided under Covered Risk 11, 13 or 14); or <br />(e) resulting in loss or damage that would not have been sustained if the Insured <br />Claimant had paid value for the Insured Mortgage. <br />4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of <br />an Insured to comply with applicable doing -business laws of the state where the Land is <br />situated. <br />5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that <br />arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or <br />any consumer credit protection or truth -in -lending law. <br />6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar <br />creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is <br />(a) a fraudulent conveyance or fraudulent transfer, or <br />(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy. <br />7. Any lien on the Title for real estate taxes or assessments imposed by governmental <br />authority and created or attaching between Date of Policy and the date of recording of the <br />Insured Mortgage in the Public Records. This Exclusion does not modify or limit the <br />coverage provided under Covered Risk 11(b). <br />The above policy form may be issued to afford either Standard Coverage or Extended Coverage. <br />In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard <br />Coverage policy will also include the following Exceptions from Coverage: <br />EXCEPTIONS FROM COVERAGE <br />{Except as provided in Schedule B — Part II,{ t{or T) his policy does not insure against loss or <br />damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: <br />ATTY/AGR/2025.084/920 SHASTA AFFORDABLE HOUSING LAND DONATION AGREEMENT <br />REV: 10-16-25 VR <br />Exhibit A-2 - 22 <br />