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• Western Regional Exceptions (or "WRE"). The following exceptions to coverage for a Non -EAGLE Loan Policy or Non -EAGLE Owner's Policy. 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result In taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an Inspection of the land or which may be asserted by persons In possession thereof, 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5, (a) tinpatented mining claims, (b) reservations or exceptions in patents or in Ads authorizing the issuance thereof, (c) water rights or, claims or We to water, whether or not the natters excepted under (a), (b) or (c) are shown by the public records 6. Any lien or right to a lien for services, labor or material not shown by the public records. ROUNDING UP OF APPLICABLE RATES, FEES AND CHARGES All rates, fees and charges contemplated by this Schedule shall be rounded up to the next dollar at each calculation except as otherwise expressly provided. ENDORSEMENT RATES Rates kr endorsements are sat forth in the appendices to this rate manual as foliovrs: • CLTA Endorsement Rates - Appendix C • FATICO Endorsement Rates - Appendix D • ALTA Endorsement Rates • Appendix E When determining Policy Type for purpose of these appendices, the endorsed policies are either Owner or Loan, and Sher Standard or Extended. For this purpose: • "Standard" means a Non -EAGLE Owner's Policy with WRE or a Non -EAGLE Loan Policy with WRE; and • "Extended" means a Non -EAGLE Owner's Policy without WRE or a NOn^EAGLE Loan Policy without WRE. When an endorsement Is issued for an EAGLE Owner's polity, the rate applicable to a "Standard"Owner's Policy applies, When an endorsement is issued for an EAGLE Loan Policy, the rate applicable to an "Extended" Loan Policy applies .g. 0 2014 First American Tide Insurance Company. All rights reserved. November 10, 2014