Chicago Title Insurance Company...Title No.: Chicago Title Insurance Company Schedule A P.O.Box 45023 Jacksonville, FL 32232-5023 Loan No. 500126057 2. Policy (or Policies) to be issued:

Chicago Title Insurance Company

COMMITMENT FOR TITLE INSURANCE

Issued by


Chicago Title Insurance Company, a Nebraska Corporation ('Company'), for a valuable

consideration, commits to its policy or policies of title insurance, as identified in Schedule A, in favor

of the Proposed Insured named in Schedule A, as owner or mortgagee of the estate or interest in

the land described or referred to in Schedule A, upon payment of the premiums and charges and

compliance with the Requirements, are subject to the provisions of Schedules A and B and to the

Conditions of this Commitment.

This Commitment shall be effective only when the identity of the Proposed Insured and the amount

of the policy or policies committed for have been inserted in Schedule A by the Company.

All liability and obligation under this Commitment shall cease and terminate 6 months after the

Effective Date or when the policy or policies committed shall issue, whichever first occurs, provided

the failure to issue the policy or policies is not the fault of the Company.

The Company will provide a sample of the policy form upon request.

IN WITNESS WHEREOF, Chicago Title Insurance Company has caused its corporate name and

seal to be affixed by its duly authorized officers on the date shown in Schedule A.

Authorized Signatory

Countersigned:

ServiceLink, a division of Chicago Title Insurance Company

72C101 (6/06) ALTA Commitment - 2006Page 1 of 18

Title No.:


Schedule A

P.O.Box 45023

Jacksonville, FL 32232-5023

Loan No. 500126057

2. Policy (or Policies) to be issued:

(a) Owner's Policy

1. Effective Date: 03/21/2016

Amount

$1.00

Proposed Insured: TBD TBD

(b) Loan Policy

Proposed Insured: TBD, its successors and/or assigns as their interest

may appear

$1.00

3. The estate or interest in the land described or referred to in this Commitment is: Fee Simple

4. Title to said estate or interest in the land is at the Effective Date vested in:

5. The land referred to in this Commitment is described as follows:

See Exhibit A attached hereto and made a part hereof

Tax ID:

Authorized Signatory

ServiceLink, a division of Chicago Title Insurance Company

72C101 A (6/06) ALTA Commitment - 2006Page 2 of 18

Title No.:


Exhibit "A"

Legal Description

ALL THAT CERTAIN PARCEL OF LAND SITUATED IN THE COUNTY OF CALAVERAS

AND STATE OF CALIFORNIA BEING KNOWN AND DESIGNATED AS FOLLOWS:

LOT 259 OF COPPER COVE SUBDIVISION AT LAKE TULLOCH, UNITS NO. 1 AND 2,

TRACT NO. 208, AS SHOWN ON THE OFFICIAL MAP THEREOF, FILED FOR RECORD

MAY 10, 1969, IN BOOK 3 OF SUBDIVISION MAPS, AT PAGE 34, CALAVERAS COUNTY

RECORDS.

Tax ID:

72C101 (6/06) ALTA Commitment - 2006Page 3 of 18

Title No.:


Schedule B - Section I

Requirements

1. Amended Civil Code Section 2941, which becomes effective on January 1, 2002, sets

the fee for the processing and recordation of the reconvey and recordation of the

reconveyance of each Deed of Trust being paid off through this transaction at $45.00.

The reconveyance fee must be clearly set forth in the Beneficiary's Payoff Demand

Statement ("demand"). In addition, an assignment or authorized release of that fee,

from the Beneficiary to the Trustee of record, must be included. An example of the

required language is as follows: "The Beneficiary identified above hereby assigns,

releases, or transfers to the Trustee of record, the sum of $45.00, included herein as

a Reconveyance Fee, for the processing and recordation of the Reconveyance of the

Deed of Trust securing the indebtedness covered hereby, and the escrow company

or title company processing this pay-off is authorized to deduct the Reconveyance

Fee from this Demand and forward said fee to the Trustee of record or the successor

Trustee under the Trust Deed to be paid off in full." In the event that the

reconveyance fee and the assignment, release or transfer thereof is not included

within the demand statement, then theTitle Company list in this report may decline to

process the reconveyance and will be forced to return all documentation directly to

the Beneficiary for compliance with the requirements."

2. Any Notice of Sale recorded on or after September 8, 2008 for deeds of trust

recorded between January 1, 2003 and December 31, 2007 must include a

declaration from the mortgagee, beneficiary, or authorized agent, substantially as

follows: “The undersigned declares that the borrower was contacted to assess the

borrower’s financial situation and to explore options for the borrower to avoid

foreclosure.” In the alternative, the declaration may list the efforts made, if any, to

contact the borrower in the event no contact was made. The company reserves the

right to add additional exceptions and/or requirement upon review of said declaration.

3. We will require a Statement of Information from the parties named below in order to

complete this report, based on the effect of documents, proceedings, liens, decrees,

or other matters which do not specifically describe said land, but which, if any do

exist, may affect the title or impose liens or encumbrances thereon.

Parties: BUYER(S)

4. There is located on said land a Single Family residence, known as: 2505 QUAIL

HILL RD, City of COPPEROPOLIS, County of CALAVERAS, and State of California.

72C101 BI (06/06) ALTA Commitment - 2006Page 4 of 18

Title No.:


Schedule B - Section I

Requirements

5. Payoff of Deed of Trust Dated 04/21/2008, Recorded 05/21/2008 in the office of the Recorder of CALAVERAS County, California, in INSTRUMENT NO. 2008 7013, to

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS A

NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP., which states

that it secured a debt in the principal sum of $238,981.00. Trustee: TICOR TITLE.

ASSIGNED FROM MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. TO BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP IN INSTRUMENT NO. 2012 2246, RECORDED 02/22/2012.

ASSIGNED FROM BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP, ITS SUCCESSORS AND ASSIGNS TO SELENE FINANCE LP IN INSTRUMENT NO. 2015 3052, RECORDED 03/27/2015.

SUBSTITUTION OF TRUSTEE AS SET FORTH IN INSTRUMENT NO. 2015 8480, RECORDED 07/31/2015, APPOINTING ATTORNEY LENDER SERVICES, INC.

NOTICE OF DEFAULT AS SET FORTH IN INSTRUMENT NO. 2015 8481, RECORDED 07/31/2015.

NOTICE OF TRUSTEE'S SALE AS SET FORTH IN INSTRUMENT NO. 2016 1470, RECORDED 02/09/2016.

6. The following are requirements to be complied with, prior to issuing the Manufactured Housing Unit Endorsement:

a. Evidence that ownership of both the Mobile Home or Similar Housing Unit (Title Registration, Bill of Sale, or Certificate of Sale) and the ownership of the land are one and the same;

b. Evidence that any lien, security interest, or encumbrances affecting the mobile home or similar housing unit, as shown on the title registration or certificate of sale has been properly cancelled;

c. Release and waiver of liens from contractor and all subcontractors to be executed and presented at closing;

d. Evidence that the Motor Vehicle Registration of the Mobile Home or Similar Housing Unit has been surrendered; e. "Acknowledgment of Intent" to be executed as evidence of annexation to real property.

Note: UPON ALL REQUIREMENTS BEING MET, THE ALTA 7 or ALTA 7.1

MANUFACTURED HOME ENDORSEMENT WILL BE ISSUED WITH THE FINAL

POLICY.

END OF SCHEDULE B - SECTION I

72C101 BI (06/06) ALTA Commitment - 2006Page 5 of 18

Title No.:


Schedule B - Section II

Exceptions

Schedule B of the policy or policies to be issued will contain exceptions to the following

matters unless the same are disposed of to the satisfaction of the company:

1. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the public records or attaching subsequent to the Effective Date but prior to the date the proposed Insured acquires for value of record the estate or interest or mortgage thereon covered by this Commitment.

2. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land.

3. Rights or claims of parties in possession not shown by the public records.

4. Easements or claims of easements not shown by the public records.

5. Any lien, or right to a lien, for services, labor, or material heretofore or hereafter furnished, imposed by law and not shown by the public records.

6. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Part 0.5, Chapter 3.5 or Part 2, Chapter 3, Articles 3 and 4 respectively (commencing with Section 75) of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the Vestee named in Schedule A; or as a result of changes in ownership or new construction occurring prior to the date of policy.

7. 2015-2015 1ST HALF County Taxes are Paid in the amount of $982.24. Taxes accruing in the current year. Tax ID . NOTE: CONTACT LOCAL TAX

AUTHORITIES FOR EXACT AMOUNTS DUE, PRIOR TO LOAN CLOSING. Exemption: $7,000.00 Code Area: 068-037

8. Taxes or assessments that 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; (b) proceedings by a public agency that 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.

9. 2015-2015 2ND HALF County Taxes are Open in the amount of $982.24 due

04/10/2016. Taxes accruing in the current year. Tax ID. NOTE: CONTACT LOCAL

TAX AUTHORITIES FOR EXACT AMOUNTS DUE, PRIOR TO LOAN CLOSING.

Exemption: $7,000.00 Code Area:

72C101 BII (06/06) ALTA Commitment - 2006Page 6 of 18

Title No.:



Exceptions

10. A deed of trust to secure indebtedness in the original amount shown below.

Amount: $238,981.00

Dated: 04/21/2008S

Trustee: TICOR TITLE

Beneficiary: MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., SOLELY AS A NOMINEE FOR TAYLOR, BEAN & WHITAKER MORTGAGE CORP.

Recorded: 05/21/2008 in INSTRUMENT NO. 2008 7013

Original Loan Number:

ASSIGNED FROM MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. TO BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC HOME LOANS

SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING, LP IN INSTRUMENT NO. 2012 2246, RECORDED 02/22/2012.

ASSIGNED FROM BANK OF AMERICA, N.A., SUCCESSOR BY MERGER TO BAC

HOME LOANS SERVICING, LP FKA COUNTRYWIDE HOME LOANS SERVICING,

LP, ITS SUCCESSORS AND ASSIGNS TO SELENE FINANCE LP IN INSTRUMENT NO. 2015 3052, RECORDED 03/27/2015.

SUBSTITUTION OF TRUSTEE AS SET FORTH IN INSTRUMENT NO. 2015 8480, RECORDED 07/31/2015, APPOINTING ATTORNEY LENDER SERVICES, INC.

NOTICE OF DEFAULT AS SET FORTH IN INSTRUMENT NO. 2015 8481, RECORDED 07/31/2015.

NOTICE OF TRUSTEE'S SALE AS SET FORTH IN INSTRUMENT NO. 2016 1470, RECORDED 02/09/2016.

11. Water rights, claims or title to water, whether or not disclosed by the Public Records.

12. Any rights of the parties in possession of a portion of, or all of, said land, which rights

are not disclosed by the public record.

13. (a) Unpatented mining claims; (b) reservations or exception in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records.

14. The land described in the Commitment shall not be deemed to include any House Trailer, Mobile Home or Mobile Dwelling on the subject property.

15. The following note is for informational purposes only:

The following deed (s) affecting said land were recorded within the last (24) months

of the date of this report, are as follows:

NONE.


Title No.:



Exceptions

16. PROPERTY TAXES, WHICH ARE A LIEN NOT YET DUE AND PAYABLE,

INCLUDING ANY ASSESSMENTS COLLECTED WITH TAXES TO BE LEVIED

FOR THE FISCAL YEAR 2016-2017.

17. RECITALS, NOTES, DEDICATIONS, COVENANTS, RESTRICTIONS AND

EASEMENTS CONTAINED ON SAID PLAT TO WHICH PLAT REFERENCE IS

HEREBY MADE FOR FURTHER PARTICULARS.

END OF SCHEDULE B - SECTION II


INVOICE

Client Name:

Contact Name:

Loan No:

Invoice Date:

Order No:

Loan Amount: Closing Date:

03/31/2016

SELENE POST-SALE

$1.00

Owners Policy Amount: $1.00

Customer Name: TBD TBD

Property Address: 2505 QUAIL HILL RD, COPPEROPOLIS, CA 952289504

Property County: Calaveras

AmountDescription

$0.00 SCF - SETTLEMENT OR CLOSING FEE

$500.00 OPY - OWNERS POLICY

$0.00 ESC - ALTA SURVEY COVERAGE

$100.00 LSP - SIMULTANEOUS ISSUE

$600.00 Invoice Total:

This is a preliminary rate quote for the stated loan amount. If the loan amount changes or additional

endorsements are required, please contact ServiceLink for a revised quote.

Wire Instructions:

Account Name:

Bank Name:

Account No:

Bank Address:

ABA Routing No:

If you require further information or have any questions please call

72C101 Invoice ALTA Commitment - 2006Page 9 of 18


CONDITIONS

1. The term mortgage, when used herein, shall include deed of trust, trust deed, or other security

instrument.

2. If the proposed insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse

claim or other matter affecting the estate or interest or mortgage, thereon covered by this

Commitment than those shown in Schedule B hereof, and shall fail to disclose such knowledge to

the Company in writing, the Company shall be relieved from liability for any loss or damage resulting

from act of reliance hereon to the extent the Company is prejudiced by failure to disclose such

knowledge. If the proposed insured shall disclose such knowledge to the Company, or if the

Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse

claim or other matter, the Company at its option may amend Schedule B of this Commitment

accordingly, but such amendment shall not relieve the Company from liability previously incurred

pursuant to paragraph 3 of these Conditions.

3. Liability of the Company under this Commitment shall be only to the named proposed Insured and

such parties included under the definition of Insured in the form of policy or policies committed for

and only for actual loss incurred in reliance hereon in undertaking in good faith (a) to comply with the

requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create

the estate or interest or mortgage thereon covered by this Commitment. In no event shall such

liability exceed the amount stated in Schedule A for the policy or policies committed for and such

liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the

form of policy or policies committed for in favor of the proposed Insured which are hereby

incorporated by reference and are made a part of this Commitment except as expressly modified

herein.

This Commitment is a contract to issue one or more title insurance policies and is not an abstract of

title or a report of the condition of title. Any actions or rights of action that the proposed Insured may

have bring against the Company arising out of the status of the title to the estate or interest or the

status of the mortgage thereon covered by the Commitment must be based on and are subject to

the provisions of this Commitment.

4.

The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of

Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company of the Insured

as the exclusive remedy of the parties. You may review a copy of the arbitration rules at

<http://www.alta.org/>.

5.

72C101 Conditions ALTA Commitment - 2006Page 10 of 18

Privacy Statement Effective Date 5/1/2008

72C101 Privacy ALTA Commitment - 2006Page 11 of 18

Privacy Statement Effective Date 5/1/2008

72C101 Privacy ALTA Commitment - 2006Page 12 of 18

You may be entitled to receive a $20.00 discount on escrow services if you purchased, sold or

refinanced residential property in between May 19, 1995 and November 1, 2002. If you had

more than one qualifying transaction, you may be entitled to multiple discounts.

If your previous transaction involved the same property that is the subject of your current

transaction, you do not have to do anything; the Company will provide the discount, provided

you are paying for escrow or title services in this transaction.

If your previous transaction involved property different from the property that is subject of your

current transaction, you must inform the Company of the earlier transaction, provide the

address of the property involved in the previous transaction, and the date or approximate date

that the escrow closed to be eligible for the discount.

Unless you inform the Company of the prior transaction on property that is not the subject of

this transaction, the Company has no obligation to conduct an investigation to determine if you

qualify for a discount. If you provide the Company information concerning a prior transaction,

the Company is required to determine if you qualify for a discount.

Notice

72C101 ALTA Commitment - 2006Page 13 of 18



Order No:


Order No:


Order No:


Order No:


Documents

Chicago Title Insurance Company...Title No.: Chicago Title Insurance Company Schedule A P.O.Box 45023 Jacksonville, FL 32232-5023 Loan No. 500126057 2. Policy (or Policies) to be issued: