Schedule A

AGREEMENT TO ISSUE AN ALTA RESIDENTIAL SUBORDINATE LOAN POLICY File Number: H79608

Effective Date for Commitment: January 15, 2000

Refer Title Inquiries to: NANNETTE Block (117) 989-2533 Policy or Policies to be Issued:

ALTA Owner's Policy Form 0-5-21 Proposed Insured: FREDRICK SMITHE AND MARY B. SMITHE ALTA Policy Form 0-5-21 Amount $166,500

Proposed Insured: Atlas Mortgage, ITS SUCCESSORS AND/OR ASSIGNS, AS THEIR INTEREST MAY APPEAR, AS DEFINED IN PARAGRAPH 1 (A) OF THE CONDITIONS AND STIPULATIONS OF THIS POLICY.

The fee simple interest in the land described in this Commitment is owned, at the Commitment Date, by: FREDRICK SMITHE AND MARY B. SMITHE, AS JOINT TENANTS

The mortgage and assignments, if any, covered by this Commitment are described as follows: Atlas Mortgage, ITS SUCCESSORS AND/OR ASSIGNS, AS THEIR INTEREST MAY APPEAR, AS DEFINED IN PARAGRAPH 1(A) OF THE CONDITIONS AND STIPULATIONS OF THIS POLICY.

The land referred to in this Commitment is described in Schedule C attached. Note: For information purposes only, the land is known as: 636 SOUTH PALADIN LANE, LAWNDALE, IL 03301

This commitment is valid only if Schedules B and C are attached.

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