LAND TITLE INSURANCE CORPORATION RATE MANUAL FOR THE STATE OF ARKANSAS

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1 LAND TITLE INSURANCE CORPORATION RATE MANUAL FOR THE STATE OF ARKANSAS ALL COUNTIES 3033 East First Avenue, Suite 605 Denver, CO Effective: January 1,

2 TABLE OF CONTENTS Owner's Insurance 's Insurance Closing Protection Letter Endorsements Effective: January 1,

3 Effective: January 1,

4 GENERAL This rate manual contains premium rates for title insurance that are generally applicable. These are net premium rates for title insurance only and do not include abstract fees or attorneys fees for title opinion or certificate, charges for searches, escrow or closing service charges by or paid to local attorneys, abstracters, and title companies. Where our local agents establish an all-inclusive rate, the premiums shown herein are included in such rate. OWNER'S INSURANCE A. This Section provides for title insurance insuring the interest in Land of an owner, purchaser or the owner of a lesser estate or interest in the Land, other than the interest of a lender or a lessee in the Land. Note 1: For title insurance insuring the interest of a lender, see the Section s Insurance below. B. The charge for an Owner s Policy must be based on the Fair Value of the estate or interest in the Land. OWNER S POLICIES The following Owner s Policies are available on request by the proposed insured and on satisfaction of the Company s underwriting requirements: ALTA OWNER S POLICY OF TITLE INSURANCE ( ) The ALTA Owner s Policy, Standard Coverage may be issued insuring the interest of an owner in Land for the Basic Rate. OWNER'S EXTENDED COVERAGE POLICY The ALTA Owner s Policy of Title Insurance ( ) will be issued with the Inflation Endorsement attached at no additional charge. All of the Preprinted Exceptions may be omitted on compliance with the Company s underwriting requirements. BASIC RATE FOR OWNER S POLICIES The Basic Rate for Owner s Policies shall be: Per Thousand Up to $50,000 of liability written... $3.50 Over $50,000 and up to $100,000 add... $3.00 Over $100,000 and up to $5,000,000 add... $2.00 Over $5,000,000 and up to $10,000,000 add... $1.75 Over $10,000,000 and up to $15,000,000 add... $1.50 Over $15,000,000 add... $1.25 Effective: January 1,

5 MINIMUM PREMIUM..$10.00 Note 2: To compute any insurance premium on a fractional thousand of insurance (except as to minimum premiums), multiply such fractional thousand by the rate per thousand applicable, considering any fraction of $ as a full $ RE-ISSUE RATE FOR OWNER S POLICIES The re-issue rate, where applicable, (see A and B below) is 60% of the published Basic Rate in force for original insurance. Re-issue rates apply up to the face of the previous policy provided the outstanding policy is presented. Additional insurance up to the full insurable value of premises will be computed at the Basic Rate under the applicable bracket or brackets. A. A purchaser of real estate from one whose title thereto as owner has been insured within 10 years prior to the application for a new policy shall be entitled to the re-issue rate for owner s insurance in an amount up to the face of such former policy, provided the outstanding policy is presented. Full Basic Rate as per published schedule in force will be charged for the excess up to the full insurable value of the property. B. Where a mortgage policy is outstanding and an owner s policy on the same property is issued within 10 years from the date of said mortgage policy, the reissue rate will apply up to the amount of the balance due on the mortgage insured under the outstanding mortgage policy. The Re-issue Rate for Owner s Policies shall be: Per Thousand Up to $50,000 of liability written... $2.10 Over $50,000 and up to $100,000 add... $1.80 Over $100,000 and up to $5,000,000 add... $1.20 Over $5,000,000 and up to $10,000,000 add... $1.05 Over $10,000,000 and up to $15,000,000 add... $0.90 Over $15,000,000 add... $0.75 MINIMUM PREMIUM..$10.00 Note 3: To compute any insurance premium on a fractional thousand of insurance (except as to minimum premiums), multiply such fractional thousand by the rate per thousand applicable, considering any fraction of $ as a full $ Effective: January 1,

6 RE-ISSUE RATE FOR MORTGAGEE ACQUIRING TITLE When the insured under a mortgage policy acquires title by foreclosure or by voluntary conveyance in extinguishment of debt, and makes application for an owner s policy, such insured or the designee for the benefit of such insured shall be entitled to the following re-issue rate on an owner s policy up to an amount equal to the face of such previous mortgage policy upon presenting said mortgage policy. Full Basic Rate as per published schedule in force will be charged for excess insurance requested. The Re-issue Rate for Owner s Policies for a Mortgagee Acquiring Title shall be: Per Thousand Up to $50,000 of liability written... $2.10 Excess over $50,000 shall be computed by reference to the date of the mortgage policy, as follows: DATE OF PREVIOUS MORTGAGE POLICY RATES 1 year or less... 20% of regular rates 1 year to 2 years... 25% of regular rates 2 years to 3 years... 30% of regular rates 3 years to 4 years... 35% of regular rates 4 years or over... 40% of regular rates MINIMUM PREMIUM..$10.00 Note 4: To compute any insurance premium on a fractional thousand of insurance (except as to minimum premiums), multiply such fractional thousand by the rate per thousand applicable, considering any fraction of $ as a full $ INSURING OVER EXCEPTIONS A. All or any of the Preprinted Exceptions in Schedule B of the Owner s Policy may be omitted by deletion or by endorsement upon compliance with the requirements of the Company s underwriters. B. When the Company determines it may insure against loss by reason of encumbrances or defects (other than the Preprinted Exceptions), affirmative insurance over such encumbrances or defects may be given by the issuance of specific endorsements as set forth in the Endorsement Section. ADDITIONAL CHARGES A. Additional charges may be made for unusual conditions of title that are encountered or when special or unusual risks are insured against, or for special services rendered, in connection with the issuance of a Policy or an endorsement to a Policy. B. The charge for special or unusual risks will be determined by the Company s underwriters based on the nature and extent of the special or unusual risk being assumed and addressed through an endorsement or endorsements to a Policy. Effective: January 1,

7 LENDER'S INSURANCE A. This Section provides for title insurance insuring the interest of a lender, or its assigns, in Land, or a lesser estate or interest in the Land. Loan Policy must be issued for an amount equal to the Indebtedness, unless the Land covered in the Loan Policy represents only part of the security of the loan(s), in which case the Loan Policy shall be written for the amount of the Fair Value of such Land or the amount of the loan, whichever is the lesser. A Loan Policy, however, may be issued for a reasonable amount in excess of the Indebtedness to cover interest, foreclosure costs, etc. 1. LOAN POLICIES The following Loan Policies are available, on request by the proposed insured and on satisfaction of the Company s underwriting requirements: ALTA LOAN POLICY OF TITLE INSURANCE ( ) The ALTA Loan Policy, Standard Coverage, may be issued for the Basic Rate. ALTA SHORT FORM RESIDENTIAL LOAN POLICY ONE-TO-FOUR FAMILIES ( ) The Short Form Loan Policy shall mean the ALTA Short Form Residential Loan Policy One-to-Four Families ( ) 2. BASIC RATE FOR LOAN POLICIES A Loan Policy will be issued, for 100% of the Basic Rate when no transfer of title is involved requiring the issuance of an Owner's Policy. The Basic Rate for Loan Policies shall be: Per Thousand Up to $50,000 of liability written... $2.50 Over $50,000 and up to $100,000 add... $2.00 Over $100,000 and up to $500,000 add... $1.75 Over $500,000 and up to $10,000,000 add... $1.50 Over $10,000,000 and up to $15,000,000 add... $1.25 Over $15,000,000 add... $1.00 MINIMUM PREMIUM...$7.50 Note 1: To compute any insurance premium on a fractional thousand of insurance (except as to minimum premiums), multiply such fractional thousand by the rate per thousand applicable, considering any fraction of $ as a full $ Effective: January 1, 2015

8 3. RE-ISSUE RATE FOR LOAN POLICIES When the owner of property on which application is made for mortgage title insurance has had the title to such property insured as owner within 10 years prior to such application, such owner shall be entitled to the reissue rate on such mortgage insurance of 60% of the published tariff in force for original insurance, up to the face amount of such owner s policy: Per Thousand Up to $50,000 of liability written... $1.50 Over $50,000 and up to $100,000 add... $1.20 Over $100,000 and up to $500,000 add... $1.05 Over $500,000 and up to $10,000,000 add... $0.90 Over $10,000,000 and up to $15,000,000 add... $0.75 Over $15,000,000 add... $0.60 MINIMUM PREMIUM..$7.50 Note 2: To compute any insurance premium on a fractional thousand of insurance (except as to minimum premiums), multiply such fractional thousand by the rate per thousand applicable, considering any fraction of $ as a full $ Note 3: If the amount of insurance desired under the mortgage policy is in excess of the original owner s policy, the excess shall be computed at the original rates in the applicable bracket. Note 4: A mortgage policy cannot be issued for an amount less than the full principal debt. A policy can, however, be issued for an amount up to 20% excess of the debt to cover interest, foreclosure costs, etc. 4. CONCURRENT (SIMULTANEOUS) RATE A. When a Loan Policy is issued concurrently with an Owner s Policy in the same estate in the Land and issued at the Fair Value of the Land, or insuring a loan which is junior to a loan which is insured concurrently with a Loan Policy, (whether or not in conjunction with the simultaneous issue of an Owner s Policy) the charge for the Loan Policy will be $7.50. The Charge for the Loan Policy includes the Loan Policy and all endorsements as determined and authorized by the Company. B. Increased liability charges will be added at the Basic Rate for any liability in excess of the liability amount of the Owner s Policy or liability amount of the primary Loan Policy (where no Owner s Policy is issued). Effective: January 1, 2015

9 5. SUBSTITUTION LOAN RATE When a substitution loan is made to the same borrower on the same property, the title to which was insured in connection with the original loan, the following rates will be charged for issuing the policy in connection with the new loan provided the outstanding policy is presented and the Company is informed of the unpaid balance of the loan. Age of Original Loan Rates 2 years or under... 20% of regular rates From 2 years to 3 years... 30% of regular rates From 3 years to 4 years... 40% of regular rates From 4 years to 5 years... 50% of regular rates From 5 years to 10 years... 60% of regular rates Over 10 years % of regular rates MINIMUM PREMIUM.$7.50 Note 5: At the time a substitution loan is made, the unpaid balance of the original loan will be considered the amount of insurance in force on which the foregoing rate shall be calculated. To these rates shall be added the regular rates for the new insurance, that is, the difference between the unpaid principal balance of the original loan and the amount of the new loan. 6. INSURING OVER EXCEPTIONS A. All or any of the Preprinted Exceptions in Schedule B-Part I of the Loan Policy may be omitted by deletion or by endorsement upon compliance with the requirements of the Company s underwriters. B. When the Company determines it may insure against loss by reason of encumbrances or defects (other than Preprinted Exceptions), affirmative insurance over such encumbrances or defects may be given by the issuance of specifically filed endorsements as set forth in the Endorsement Section. ADDITIONAL CHARGES A. Additional charges may be made for unusual conditions of title that are encountered or when special or unusual risks are insured against, or for special services rendered, in connection with the issuance of a Policy or an endorsement to a Policy. B. The charge for special or unusual risks will be determined by the Company s underwriters based on the nature and extent of the special or unusual risk being assumed and addressed through an endorsement or endorsements to a Policy. ADDITIONAL CHARGES FOR ADDITIONAL COVERAGES OR ENDORSEMENTS A. Additional charges may be made for unusual conditions of title that are encountered or when special or unusual risks are insured against, for special services rendered in connection with the issuance of a Loan Policy, or an endorsement to the Loan Policy. Effective: January 1, 2015

10 B. The charge for special or unusual risks will be determined by the Company s underwriters based on the nature and extent of the special or unusual risk being assumed, or addressed through an endorsement to the Loan Policy. C. All or any of the Preprinted Exceptions in Schedule B of the Owner s Policy may be omitted by deletion or by endorsement upon compliance with the Company s underwriting requirements and upon payment of the additional charges set forth in the Endorsements Section, Paragraph 2. D. When the Company determines it may insure against loss by reason of encumbrances or defects (other than the Preprinted Exceptions), affirmative insurance over such encumbrances or defects may be given by the issuance of specifically filed endorsements at the appropriate rate for the endorsement as set forth in the Endorsement Section. CLOSING PROTECTION LETTER A. The charge for a closing protection letter shall be $25. Effective: January 1, 2015

11 ENDORSEMENTS Endorsements (including insuring clauses) providing additional coverages or insurance may be issued upon compliance with the underwriter s requirements. ENDORSEMENTS AVAILABLE Endorsement Number Brief Description of Endorsement Insured Charge Increase in the face amount of insurance Owner or ALTA 4-06 Comprehensive Covenants Conditions and Restrictions - Condominium with priority of mortgage over assessment liens in statutes or condominium documents ALTA Comprehensive Covenants Conditions and Restrictions - Condominium with priority of mortgage over unpaid assessments at date of policy Owner or ALTA5-06 Comprehensive Covenants Conditions and Restrictions - Planned unit development (PUD) with priority of mortgage over assessment liens ALTA Comprehensive Covenants Conditions and Restrictions - Planned unit development (PUD) with priority of mortgage over unpaid assessments Owner or ALTA 6-06 Variable Rate Mortgage ALTA Variable Rate Mortgage - Negative amortization ALTA 7-06 Manufactured Housing ALTA Manufactured Housing Conversion ALTA Environmental Lien Protection - Residential Owner or ALTA 9-06 Restrictions, encroachments, minerals ALTA Assignment ALTA Assignment and Date Down ALTA Mortgage Modification ALTA Mortgage Modification with Subordination Effective: January 1, 2015

12 Endorsement Number Brief Description of Endorsement Insured Charge ALTA Mortgage Modification with Additional Amount of Insurance ALTA Future Advance Priority ALTA Future Advance Knowledge ALTA Future Advance Reverse Mortgage ALTA Street address / Location no map attached Owner or ALTA Street address / Location map attached Owner or Blank Corrections and Unique Risk Owner or Effective: January 1, 2015

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