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• Western Regional Exceptions (or "WRE"); Standard exceptions from coverage included within various policy <br />forms as a matter of local practice. <br />1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies <br />taxes or assessments on real property or by the public records. <br />Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, <br />whether or not shown by the records of such agency or by the public records. <br />2. Any facts, rights, interests, or claims which are not shown by the public records but which could be <br />ascertained by an inspection of the land or which may be asserted by persons in possession thereof <br />3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. <br />4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a <br />correct survey would disclose, and which are not shown by the public records. <br />5. (a) Unpatented mining claims, (b) reservations or exceptions in patents or in Acts authorizing the Issuance <br />thereof, (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) <br />are shown by the public records, <br />6. Any lien or right to a lien for services, labor or material not shown by the public records. <br />ROUNDING UP OF APPLICABLE RATES, FEES AND CHARGES <br />All rates, fees and charges contemplated by this Schedule shall be rounded up to the next dollar at each calculation <br />except as otherwise expressly provided. <br />ENDORSEMENT RATES <br />Rates for endorsements are set forth in the appendices to this rate manual as follows: <br />• [LTA Endorsement Rates - Appendix C <br />FATICO Endorsement Rates • Appendix D <br />• ALTA Endorsement Rates - Appendix E <br />When determining Policy Type for purpose of them appendices, the endorsed policies are either Owner or Loan, and <br />either Standard or Extended, For this purpose: <br />• "Standard" means an Owner's Policy with WRE or a Loan Policy with WRE; and <br />• "Extended" means an Owner's Policy without WRE or a Loan Policy without WRE. <br />- 33 . <br />p 2014 First American Tine insurance Company. All rights reserved. November 10, 2011 <br />