Author: Roger Therien

State:  California

Form:		CLTA Form 103.10	Date:  January 1, 1993

Subject:	This Endorsement insures against loss resulting from the exercise of the right of a subsurface owner to use the surface of the land for any purpose in connection with his subsurface ownership.  It may be issued either to an Owner or Lender with either an ALTA or CLTA Policy.

This Endorsement is designed for those situations where ownership of the land has been divided into two or more horizontal planes with the subsurface ownership severed from ownership of the surface; it is not intended to include severance of the subsurface oil or mineral rights.

Requirements for Issuance:

1.	Obtain approval from an advisory title officer, branch counsel or the Underwriting Department prior to issuance of this Endorsement.

Supervisory personnel are to determine that the conveyance effecting the severance expressly prevents the subsurface owner's use of the surface and no subsequent documents in the chain of title have created any such right in the subsurface owner.  Obtain an inspection to confirm that the subsurface owner is not, in fact, making use of the surface of the land.