Commonwealth Land Title Insurance Company. Policy (or Policies) to be issued: (a) Owner's Policy ( ALTA Own. Policy (10/17/92) )

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1 SCHEDULE A 1. Commitment Date: November 13, 2006 at 07:00 AM 2. Policy (or Policies) to be issued: Policy Amount (a) Owner's Policy ( ALTA Own. Policy (10/17/92) ) $ 135, Proposed Insured: TBD (b) Loan Policy ( ALTA Loan Policy (10/17/92) ) Proposed Insured: TO BE DETERMINED, its successors and/or assigns as their respective interests may appear. $ 135, Fee Simple interest in the land described in this Commitment is owned, at the Commitment Date, by: ; subject to the interest of Deutsche Bank National Trust Company, as trustee, as purchaser under Sheriff's Certificate of Sale, dated September 15, 2006, filed September 15, 2006 as Document No The land referred to in the Commitment is described as follows: Lot 15, Block 2, Elbra Division, Ramsey County, Minnesota. Torrens Property/Certificate No Subject Property Address: 968 Jackson Street, St. Paul, Minnesota. COMMONWEALTH LAND TITLE INSURANCE COMPANY By: WEST TITLE, LLC, KRISTEN NEWTON Schedule A (10/17/92)

2 SCHEDULE B - SECTION I REQUIREMENTS The following requirements must be met: 1. Mortgage encumbering the estate or interest in land as described on Schedule A executed by To Be Determined, single (or, with spouse, if married), to TO BE DETERMINED to secure the payment of a note in the principal amount equal to the amount insured hereunder. NOTE: If mortgagor(s) is/are married; spouse(s) must join in the mortgage. 2. Pay the full consideration to, or for the account, of the grantors or mortgagors. 3. Pay all taxes, charges, assessments, levied and assessed against subject premises, which are due and payable. 4. Satisfactory evidence should be had that improvements and/or repairs or alterations thereto are completed; that contractor, sub-contractor, labor and materialmen are all paid; and have released of record all liens or notice of intent to perfect a lien for labor and material. 5. If the transaction is closed by or its agent, the Social Security number of Seller or Federal ID number of selling entities and forwarding address must be provided at or prior to closing to comply with the Tax Reform Act of 1986 and the 1099S Form executed at closing unless the Seller is a corporation or a governmental unit. 6. Provide standard form Seller's/Mortgagor's affidavit in recordable form. If provided Items 2 and 3 of Schedule B - Section II will be deleted from the Policy to be issued pursuant to this Commitment. 7. Trustee's Deed executed by Deutsche Bank National Trust Company, as trustee, to To Be Determined. 8. Affidavit of Trustee, in recordable form. 9. Certificate of Trust, in recordable form. 10. Transfer Requirements: Seller's Affidavit Purchaser's Affidavit Well Disclosure Statement Certificate of Real Estate Value 11. Subject to the failure of fee owner(s), his/her/their successor(s) and/or assign(s) to redeem within the time allowed by law. NOTE: Redemption period does not expire until March 16, 2007 and the time for redemption can be extended by bankruptcy or by the filing of notices of intention to redeem by junior encumbrancers. 12. Subject to additional tract search(es), through and including the last date of redemption, and further tract searches, if applicable, to follow. NOTE: Also confirm that bankruptcy searches were completed through and including the first business day after the last day for redemption. The redemption period can be extended by former owner(s)' filing for Schedule B - Section I (10/17/92)

3 SCHEDULE B - SECTION I REQUIREMENTS (Continued) bankruptcy protection. 13. Subject to successful completion of a proceeding subsequent, whereby a new Certificate of Title is entered for Deutsche Bank National Trust Company, as trustee, subject to no other liens, interests or mortgages. 14. Subject to receipt and review of purchase agreement, to follow. 15. Subject to name search(es) on purchaser(s) (to be determined), and additional requirements and/or exceptions, if any, to follow. 16. A valid driver's license or other identification acceptable to West Title, LLC must be presented at closing by all parties who will be executing documents. 17. NOTE FOR INFORMATIONAL PURPOSES ONLY: Fee simple title was acquired as follows: Warranty Deed to, dated July 25, 1999, filed November 19, 2001 as Document No ; and Sheriff's Certificate of Sale to Deutsche Bank National Trust Company, as trustee, dated September 15, 2006, filed September 15, 2006 as Document No Please call Raquel Manteufel/West Title, LLC to schedule closing at Please call Jackie Colston/West Title, LLC at if you have any questions regarding this commitment. Schedule B - Section I (10/17/92)

4 SCHEDULE B - SECTION II EXCEPTIONS Any policy we issue will have the following exceptions unless they are taken care of to our satisfaction. 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 hereof 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. Rights or claims of parties other than Insured in actual possession of any or all of the property. 3. Unfiled mechanics' or materialmen's liens. 4. Real estate taxes for and payable in 2007 and thereafter. 5. Levied and pending special assessments hereafter levied. 6. Real estate taxes for and payable in the year 2006 in the amount of $1, are unpaid, first half due May 15, 2006, second half due October 15, Base Tax: $1, Non-Homestead. No representation is made regarding subsequent years' homestead tax status. Property Tax Identification Number: Special Assessments. Levied: Delinquent Utilities; certified to 2007 in the amount of $ There are no pending special assessments now of record. 8. Due to the Privacy Act, we are no longer able to obtain delinquent utility information in some cities. The final policy will not give coverage for delinquent utilities. We advise the buyer and all real estate agents involved with the transaction to check with the utility companies prior to closing. 9. Subject to plat, and inspection, and requirements and/or exceptions raised thereby, if any, to follow. 10. Utility and drainage easement(s) as shown on the recorded plat. 11. Subject to the rights and claims of tenants and others in possession or with possessory rights. 12. NOTE: Any owner's policy of title insurance we issue will contain the following exception: "This Policy excludes all loss or damage, including attorney's fees and costs, as to liens resulting from unpaid municipality charges, including those for water or sewer; and for liens resulting from violations or alleged violations of statutes, ordinances, codes and/or regulations, including, but not limited to, charges for summary abatement, rubbish removal, cutting grass, tree removal and board-up." Schedule B - Section II (10/17/92)

5 SCHEDULE C PROPERTY DESCRIPTION The land referred to in this Commitment is described as follows: Lot 15, Block 2, Elbra Division, Ramsey County, Minnesota. Torrens Property/Certificate No Subject Property Address: 968 Jackson Street, St. Paul, Minnesota. Schedule C

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