HomeMy WebLinkAboutLLA17-0012 PTRPreliminary Report Top Sheet
♦ HELP US STAY ON TOP OF YOUR TRANSACTION ♦
IF ANY OF THESE QUESTIONS ARE ANSWERED “YES”, OR IF YOU HAVE QUESTIONS
ABOUT THE BELOW, PLEASE CONTACT YOUR ESCROW OFFICER IMMEDIATELY
Have any of the principals recently filed bankruptcy?
Do any of the principals plan to use a power of attorney?
Are any of the principals going through a divorce? (if so, is there an attorney involved?)
Is anyone currently vested in title deceased? Has a new Tax I.D. Number been
established?
Do any of the principals NOT have a valid photo identification?
Is there construction work in progress or incomplete construction?
o Any construction completed in the last year?
o Any construction completed in the last 4 months?
Is there a mobile or manufactured home on the property?
Are the sellers a non-resident alien or a foreign out of country seller?
Is the property an investment property or not considered seller’s principal residence?
Will a new entity be formed? (i.e. Partnership, LLC, Corporation)
If your principals are currently vested or are taking title in their trust, have bank accounts
been established in the name of the Trust?
Will any of the principals be participating in a 1031 Exchange?
Are any of the principals not able to sign with a Placer Title Company? If so, an approved
notary will be required.
THANK YOU FOR CHOOSING
Placer Title Company
CLTA Preliminary Report
Page 1 of 21
Order No.:P-336613
Reference:
Escrow Officer:Scott Stanford
Email:sstanford@placertitle.com
Email Loan Docs To:1415@placertitle.com
Proposed Insured:
Proposed Loan Amount:
Proposed Underwriter:Old Republic National Title Insurance Company
Property Address:no site address, Marysville, CA 95901
PRELIMINARY REPORT
In response to the above referenced application for a policy of title insurance, Placer Title Company hereby reports that
it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the
land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of
any defect, lien or encumbrance not shown or referred to as an Exception below or not excluded from coverage
pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms.
The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said Policy or Policies are
set forth in Attachment One. The policy to be issued may contain an arbitration clause. When the Amount of Insurance
is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the
Company or the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CLTA and
ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of
Liability for certain coverages are also set forth in Attachment One. Copies of the policy forms should be read. They are
available from the office which issued this report.
Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Attachment One
of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not
covered under the terms of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and may
not list all liens, defects, and encumbrances affecting title to the land.
This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a
policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance
of a policy of title insurance, a Binder or Commitment should be requested.
Dated:September 19, 2019 at 7:30AM
Title Officer:Vicki Pike
Placer Title Company
9085 Foothills Blvd.
Roseville, CA 95747
Phone: (916)624-8141
Fax: (916)624-7383
CLTA Preliminary Report
Page 2 of 21
Order Number: P-336613
The form of policy of title insurance contemplated by this report is:
CLTA Standard Owners Policy
The estate or interest in the land hereinafter described or referred to covered by this report is:
Fee Simple
Title to said estate or interest at the date hereof is vested in:
Jeffrey Huckins, Donna Waddell and Lisa Messick, each as to an undivided 1/3rd ownership interest,
and Lisa A. Rerucha, Trustee of the Lisa A. Rerucha Revocable Living Trust, as her interests appear of
record.
The land referred to in this report is described as follows:
See Exhibit “A” Attached for Legal Description
CLTA Preliminary Report
Page 3 of 21
Order Number: P-336613
Exhibit “A”
Legal Description
The land described herein is situated in the State of California, County of Yuba, unincorporated area, described
as follows:
Parcel 1:
Being a portion of the H. S. Bridge Tract, more particularly described as follows:
Commencing at a point distant 550 feet East from the Southwest corner of Lot 46 and upon the South line of
said Lot, as said Lot is designated upon that certain map or plat of land entitled, "Moznett-Wetmore Subdivision
No. 1 of a portion of H. S. Bridge Tract", which said Map or Plat was recorded in Book 1 of Maps, at Page 26,
Yuba County Records, on December 13, 1909 (magnetic Variation 17° 15' East), and running thence North 19° 25'
East 699.8 feet to a point; thence North 24° 30' East 199 feet; thence North 37° 31' East 168 feet; thence North
19° 47' East 65 feet; thence North 6° 15' East 74 feet; thence North 11° 2' West 120 feet; thence North 16° 30'
West 230 feet; thence North 20° 46' West 224 feet; thence North 32° 56' West 177 feet; thence North 46° 13'
West 102.9 feet; thence North and along the East line of the land of William and Ada Havard, 800 feet, more or
less, to the center line of the North course of the Honcut Creek, which said North course of the Honcut Creek is
also the boundary of the H. S. Bridge Tract and the South boundary of the Frieselben Ranch; thence in an
Easterly and Southerly direction along the center line of said course of Honcut Creek, and following the
meanderings thereof to a point where the said center line of the said North course of Honcut Creek intersects
the West line of the County Road running from Marysville to Oroville, known as the River Road; thence Southerly
and along the West line of said County Road 1125 feet, more or less, to a point where the said West line of said
Country Road intersects the center line of the North Levee of Protection District Number 10; thence North 78°
16' West 475 feet along the center line of the said levee; thence North 61° 16' West 100 feet to a point on the
center line of said levee; thence North 40° 46' West 550 feet to a point on the center line of said levee; thence
North 65° 11' West 1345 feet to a point on the center line of said levee; thence North 77° 33' West 51 feet to a
point; thence North 7° 32' West 263 feet to a point; thence North 3° 11' East 160 feet to the place of beginning.
Said land containing 85 acres, more or less.
Excepting therefrom that portion lying within Butte County.
APN: 003-010-020 (Portion) and 003-010-017 (Portion)
Parcel 2:
Commencing at a point on the East side of the County Road running between Marysville and Oroville and known
as the River Road, which said point is distant from the Southwest corner of Lot 46, as designated upon that
certain map filed in the office of the County Recorder of the County of Yuba, State of California, on December
13, 1909 in Book 1 of Maps, at Page 26, thereof entitled, "Moznett-Wetmore Subdivision No. 1 of a portion of
the H. S. Bridge Tract", the following courses and distances: (Margin Variance 17° 15' East), East and along the
South line of said Lot 46, 550 feet to a point; thence South 3° 11' West 160 feet; thence South 7° 32' East 263
feet; thence South 77° 33' East 51 feet; thence South 65° 11' East 1345 feet; thence South 40° 46' East 550 feet;
thence South 61° 16' East 100 feet; thence South 78° 16' East 475 feet to a point; which point is the intersection
of the center line of North levee of Protection District Number Ten and the West line of the County Road above
referred to; thence North 85° 07' East 66.7 feet, more or less, to the East line of the County Road, and the point
of beginning; thence South 73° 53' East 115 feet; thence South 64° 13' East 186.7 feet; thence North 22° 01' East
CLTA Preliminary Report
Page 4 of 21
83.6 feet; thence North 52° 58' West 112.7 feet; thence North 38° 37' West 62.3 feet; thence North 61° 35' West
184.7 feet; thence North 69° 31' West 64.4 feet to the East side of County Road Bridge; thence South 10° 29'
West 19.9 feet; thence South 28° 03' East 80.9 feet, along the East line of said County Road; thence South 3° 48'
East 100.5 feet along the East line of said County Road to the point of beginning, being a portion of the East one-
half of the H. S. Bridge Tract.
Excepting therefrom that portion lying within Butte County.
APN: 003-010-017 (Portion)
Parcel 3:
A parcel of land in Lots 37, 46 and 47 as said Lots are shown on that certain plat entitled "Moznett-Wetmore
Subdivision No. 1 of a portion of the H. S. Bridge Tract", filed in Book 1 of Maps, at Page 26, Yuba County
Records, as more particularly described as follows:
Beginning at a point marked by a brass monument on the South line of said Lot 46, which bears East 550.00 feet
from the Southwest corner of said Lot 46; thence South 03° 11' 00" West 160.00 feet; thence North 07° 32' 00"
West 355.87 feet; thence North 09° 01' 15" East 131.40 feet; thence North 38° 26' 14" East 430.39 feet to a
point marked by a 3/4" iron pipe on the North line of said Lot 47; thence South 19° 25' 00" West 699.74 feet to
the point of beginning. Containing 1.376 acres, more or less.
Being Parcel 1 of Parcel Map No. 2.86 filed October 5, 1973 in the Office of the County Recorder of Yuba County,
in Book 14 of Maps at Page 33.
APN: A portion of 003-010-020
Parcel 4:
That portion of the County Road as shown on the Map entitled "Moznett-Wetmore Subdivision No. 1 of a
portion of the H.S. Bridge Tract", recorded in Book 1 of Maps, at Page 26, also known as the River Road and Old
State Highway, said portion being bounded on the North by the County line between Butte and Yuba Counties;
on the West by the Easterly line of the property described in the deed to Lycurgus Orr recorded July 26, 1912, in
Book 56 of Deeds at Page 7; on the East by the Westerly line of the property described in the deed to Lycurgus
Orr recorded July 26, 1912 in Book 62 of Deeds at Page 616; and on the South by the following line as described
in the deed to Lycurgus Orr recorded July 26, 1912 in Book 65 of Deeds, at Page 7, said line being described as
follows:
Beginning at the Southeast corner of that certain parcel of land containing 85 acres, as granted to Lycurgus Orr
in the deed recorded July 26, 1912 in Book 65 of Deeds, at Page 7, thence North 85° 07' East 66.7 feet, to the
East line of said County Road.
APN: A portion of 003-010-017
CLTA Preliminary Report
Page 5 of 21
Order Number: P-336613
EXCEPTIONS
At the date hereof, exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form would
be as follows:
1. Taxes, special and general, assessment districts and service areas for the Fiscal Year 2019-2020:
1st Installment:$71.74 Due
2nd Installment:$71.74 Due
Parcel Number:003-010-020
Land Value: $6,561.00
Imp. Value:$0.00
Total Value:$6,561.00
Exemption Amount: $0.00
Affects: A portion of Parcel 1, and Parcel 3
2. No taxes are assessed for the Fiscal Year, 2019-2020, for assessor's parcel number 003-010-017.
Affects: A portion of Parcel 1, and Parcels 2 and 4
3. The lien of supplemental taxes, if any, assessed pursuant to the provisions of Chapter 3.5, (commencing with
Section 75) of the Revenue and Taxation Code, of the State of California.
4. Rights of the public, the State of California, or any political subdivision thereof, or of the United States of
America, in or to any portion of the land lying below the high water line of the Honcut Creek as it exists now, or
has existed in the state of nature.
5. Rights and easements, including but not limited to, recreation, navigation and fishery, which may exist over that
portion of said land lying beneath the waters of Honcut Creek.
6. Rights of upper and lower riparian owners in and to the free and unobstructed flow of the water of the Honcut
Creek extending through the land, without diminution.
7. Riparian or water rights, claims, or title to water whether or not shown by the public records.
8. Any adverse claim based upon the assertion that:
a. Said land or any part thereof is now or at any time has been below the highest of the high water marks of the
Honcut Creek, in the event the boundary of said Honcut Creek has been artificially raised or is now or at any
time has been below the high water mark, if Honcut Creek is in its natural state.
b. Some portion of said land has been created by artificial means or has accreted to such portion so created.
c. Some portion of said land has been brought within the boundaries thereof by an avulsive movement of the
Honcut Creek, or has been formed by accretion to any such portion.
9. Rights of the public and of the County of Yuba, as to that portion of the herein described property lying within
the un-named road shown as Lot "C" on the Map recorded in Book 1 at Page 26 of Maps, a public road.
CLTA Preliminary Report
Page 6 of 21
10. An easement over said land for levees and incidental purposes, as granted to Protection District Number 10, in
the document recorded October 23, 1907, (book) 56 (page) 318 of Deeds.
Affects: As described therein
No representation is made as to the current ownership of said easement.
11. An easement over said land for levees and incidental purposes, as granted to Sacramento and San Joaquin
Drainage District, in the document recorded July 16, 1952, (book) 160 (page) 455, Official Records.
Affects: As described therein
No representation is made as to the current ownership of said easement.
12. A lien for the amounts due the Tax Collector of the County of Yuba, evidenced by a certificate filed for unsecured
property taxes, against Lisa A. Messick, Certificate No. 3512, in the amount of $299.89, recorded October 23,
2002, as (instrument) 200214174, Official Records.
Said lien was refiled and re-recorded on March 13, 2012 as Instrument No. 2012R-003230, in the amount of
$745.49.
13. A lien for the amounts due the Tax Collector of the County of Yuba, evidenced by a certificate filed for unsecured
property taxes, against Lisa A. Messick, Certificate No. 3869, in the amount of $305.02, recorded November 12,
2003, as (instrument) 200319851, Official Records.
Said lien was re-filed and re-recorded on January 15, 2013 as instrument No. 2013R-000590, in the amount of
$710.55.
14. The land described herein lies within the boundary of the Community Facilities District No. 2014-1 (Clean
Energy), as disclosed by that certain map, recorded December 21, 2015 in Book 2, Page 28 of Assessment
Maps, and is subject to any future assessment thereof.
15. Any loss or claim, including but not limited to loss of marketability, loss of development rights or failure of City
or County agencies to recognize the transfer of said land by reason of a violation of the Subdivision Map Act
(commencing with Government Code Section 66410).
Affects: Parcel 4
16. The fact that Parcel 2 herein is shown on the Assessor's Map as being assessed together with a portion of Parcel
1 under APN: 003-010-017; however the two Parcels are not contiguous, they are separated by Parcel
4 herein. Said Parcel 2 is described of record as its own separate Parcel.
17. Any right, interest or claim that may exist, arise or be asserted against the Title under or pursuant to the
Perishable Agricultural Commodities Act of 1930, as amended, 7 USC 499a et seq., the Packers and Stockyard
Act of 1921, as amended, 7 USC 181 et seq., or any similar state laws.
18. Terms, provisions and conditions of that certain trust agreement referred to in the vesting herein. We will
require that a completed, signed and notarized trust certification pursuant to Section 18100.5 of the Probate
Code be submitted prior to closing. If trustee is deceased, incompetent or has resigned, both a trust
CLTA Preliminary Report
Page 7 of 21
certification, signed by successor trustee and copies of the entire trust including any amendments must be
submitted for review prior to closing.
************************* SPECIAL INFORMATION *************************
*** CHAIN OF TITLE REPORT:
According to the public records, no deeds conveying the property described in this report have been recorded
within a period of 2 years prior to the date of this report, except as shown herein:
Agreement as to Boundaries and Quitclaim Deed from Jagjit S. Kalkat ant Rajnish K. Kalkat, wife and husband, as
Joint Tenants as to an undivided 50% interest and Jasdeep S. Kalkat, an unmarried man as to an undivided 50%
interest, to Jeffrey Huckins, Lisa Messick and Donna Waddell, each as to an undivided 1/3rd interest, as co-
tenants, recorded September 5, 2018, (instrument) 2018-011006, Yuba County, Official Records.
Agreement as to Boundaries and Quit Claim Deed from Betty Fowler, Trustee or the Successor Trustee, of
Schedule C of the R&B Fowler Revocable Trust, dated June 29, 2005, to Jeffrey Huckins, Lisa Messick and Donna
Waddell, each as to an undivided 1/3rd interest, as co-tenants, recorded September 5, 2018, (instrument) 2018-
011007, Yuba County, Official Records.
Agreement as to Boundaries and Quitclaim Deed from Allen Brothers Land Company, LLC, a California limited
liability Company, to Jeffrey Huckins, Lisa Messick and Donna Waddell, each as to an undivided 1/3rd interest, as
co-tenants, recorded September 5, 2018, (instrument) 2018-011008, Yuba County, Official Records.
Agreement as to Boundaries and Quit Claim Deed from Quinco, Inc., a California corporation, to Jeffrey Huckins,
Lisa Messick and Donna Waddell, each as to an undivided 1/3rd interest, as co-tenants, recorded September 5,
2018, (instrument) 2018-011009, Yuba County, Official Records.
Agreement to Boundaries and Quit Claim Deed from Walter M. Seagraves and Jeanine C. Seagraves, husband
and wife as joint tenants, to Jeffrey Huckins, Lisa Messick and Donna Waddell, each as to an undivided 1/3rd
interest, as co-tenants, recorded October 15, 2018, (instrument) 2018-012824, Yuba County, Official Records.
Trust Transfer Deed from Lisa Ann Rerucha, formerly known as Lisa Ann Messick, as married woman as her
separate property, to Lisa A. Rerucha, Trustee of the Lisa A. Rerucha Revocable Living Trust, recorded December
20, 2018, (instrument) 2018-015716, Yuba County, Official Records.
Judgment Quieting Title to Real Property from Walter M. Seagraves and Jeanine C. Seagraves, Jaswant Singh
Bains and Satwant K. Bains, et al, to Jeffrey Alvin Huckins, Donna Rose Waddell and Lisa Ann Messick, recorded
May 29, 2019, (instrument) 2019-006464, Yuba County, Official Records.
*** LENDER'S SUPPLEMENTAL ADDRESS REPORT:
The above numbered report is hereby modified and/or supplemented to reflect the following additional items
relating to the issuance of an American Land Title Association Loan Form Policy:
Placer Title Company states that the herein described property is commercial property and that the property
address is:
no site address, Marysville, CA 95901
***NOTICE REGARDING MAPS
CLTA Preliminary Report
Page 8 of 21
Any maps provided herewith are for reference only. The property and/or easements shown are but
approximations, and no assurances are given as to accuracy, reliability, dimensions or acreage. This will not limit
the coverage provided by a CLTA 116, 116.1 or 116.03 endorsement if issued to the policy.
*** NOTICE REGARDING FUNDS DEPOSITED IN ESCROW:
IMPORTANT NOTICE- ACCEPTABLE TYPE OF FUNDS
Please be advised that in accordance with the provisions of the California Insurance Code, Section 12413.1, any
funds deposited for the closing must be deposited into the escrow depository and cleared prior to
disbursement. Funds deposited by wire transfer may be disbursed upon receipt. Funds deposited via cashier’s
checks drawn on a California based bank may be disbursed the next business day. If funds are deposited with
the Company by other methods, recording and/or disbursement may be delayed.
IMPORTANT NOTE: PLEASE BE ADVISED THAT ESCROW HOLDER DOES NOT ACCEPT CASH, MONEY ORDERS, ACH
TRANSFERS, OR FOREIGN CHECKS.
PLEASE CONTACT ESCROW REGARDING QUESTIONS ON TYPE OF FUNDS REQUIRED IN ORDER TO FACILITATE
THE PROMPT CLOSING OF THIS TRANSACTION.
CLTA Preliminary Report
Page 9 of 21
*** DISCLOSURE OF DISCOUNTS ***
You may be entitled to a discount on your title premiums and/or escrow fees if you meet any of the
following conditions:
1.You are an employee of the title insurer or Placer Title Company and the property is your
primary residence; or
2.The transaction is a loan, the purpose of which is to rebuild the improvements on the property
as a result of a governmentally declared disaster; or
3.The property is being purchased or encumbered by a religious, charitable or nonprofit
organization for its use within the normal activities for which such entity was intended.
Please advise the company if you believe any of the above discounts apply.
*** LENDER'S NOTE ***
In accordance with Executive Order 13224, and the USA Patriot Act, PLACER TITLE
COMPANY compares the names of parties to the proposed transaction to the Specially
Designated Nationals and Blocked Persons (SDN List) maintained by the United States
Office of Foreign Asset Control.
*** BUYER'S NOTE ***
If an ALTA Residential Owner's Policy is requested and if the property described herein is
determined to be eligible for this policy, the following Exceptions From Coverage will appear in
the policy:
1.Taxes or assessments which are not shown as liens by the public records or by the
records of any taxing authority.
2.(a) Water rights, claims or title to water; (b) reservations or exceptions in patents or in
Acts authorizing the issuance thereof; (c) unpatented mining claims; whether or not the
matters exception under (a), (b) or (c) are shown by the public records.
3.Any rights, interest or claims of parties in possession of the land which are not shown by
the public records.
4.Any easements or liens not shown by the public records. This exception does not limit the
lien coverage in Item 8 of the Covered Title Risks.
5.Any facts about the land which a correct survey would disclose and which are not shown
by the public records. This exception does not limit the forced removal coverage in Item
12 of the Covered Title Risks.
CLTA Preliminary Report
Page 10 of 21
CLTA PRELIMINARY REPORT FORM
Attachment One (Rev 06-05-14)
CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY - 1990
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or
damage, costs, attorneys' fees or expenses which arise by reason of:
1.(a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws,
ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of
the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii)
a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or
was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or
governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect,
lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the
public records at Date of Policy.
(b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise
thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land
has been recorded in the public records at Date of Policy.
2.Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of
Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be
binding on the rights of a purchaser for value without knowledge.
3.Defects, liens, encumbrances, adverse claims or other matters:
(a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by
the insured claimant;
(b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured
claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured
claimant became an insured under this policy;
(c) resulting in no loss or damage to the insured claimant;
(d) attaching or created subsequent to Date of Policy; or
(e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the
insured mortgage or for the estate or interest insured by this policy.
4.Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of
Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing
business laws of the state in which the land is situated.
5.Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the
transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or
truth in lending law.
6.Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or
the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state
insolvency or similar creditors' rights laws.
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I
This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses)
which arise by reason of:
1.Taxes or assessments which 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.
Proceedings by a public agency which 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.
CLTA Preliminary Report
Page 11 of 21
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I (continued)
2.Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by
an inspection of the land or which may be asserted by persons in possession thereof.
3.Easements, liens or encumbrances, or claims thereof, not shown by the public records.
4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct
survey would disclose, and which are not shown by the public records.
5.(a) Unpatented mining claims; (b) reservations or exceptions 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.
6.Any lien or right to a lien for services, labor or material not shown by the public records.
CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13)
EXCLUSIONS
In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses
resulting from:
1. Governmental police power, and the existence or violation of those portions of any law or government regulation
concerning: a) building; b) zoning; c) land use; d) improvements on the Land; e) land division; and f)
environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18,
19, 20, 23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable
building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15.
3.The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk
17.
4. Risks: a) that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records;
b) that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the
Policy Date; c) that result in no loss to You; or d) that first occur after the Policy Date - this does not limit the
coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28.
5.Failure to pay value for Your Title.
6.Lack of a right: a) to any land outside the area specifically described and referred to in paragraph 3 of Schedule A;
and b) in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in
Covered Risk 11 or 21.
7.The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under
federal bankruptcy, state insolvency, or similar creditors' rights laws.
8.Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
9.Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other
substances.
LIMITATIONS ON COVERED RISKS
Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows:
For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in
Schedule A.
CLTA Preliminary Report
Page 12 of 21
The deductible amounts and maximum dollar limits shown on Schedule A are as follows:
Your Deductible Amount Our Maximum Dollar
Limit of Liability
Covered Risk 16:1% of Policy Amount or $2,500.00 $10,000.00
(whichever is less)
Covered Risk 18:1% of Policy Amount or $5,000.00 $25,000.00
(whichever is less)
Covered Risk 19:1% of Policy Amount or $5,000.00 $25,000.00
(whichever is less)
Covered Risk 21:1% of Policy Amount or $2,500.00 $5,000.00
(whichever is less)
2006 ALTA LOAN POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or
damage, costs, attorneys' fees, or expenses that arise by reason of:
1.(a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning)
restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not
modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under
Covered Risk 6.
2.Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or
8.
3.Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured
Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage
provided under Covered Risk 11, 13, or 14); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the
Insured Mortgage.
4.Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply
with applicable doing-business laws of the state where the Land is situated.
5.Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the
transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or
truth-in-lending law.
6.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that
the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy.
CLTA Preliminary Report
Page 13 of 21
EXCLUSIONS FROM COVERAGE (continued)
7.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or
attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This
Exclusion does not modify or limit the coverage provided under Covered Risk 11(b).
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above
Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following
Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that
arise by reason of:
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above
Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following
Exceptions from Coverage:
1.(a) 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.
2.Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an
inspection of the Land or that may be asserted by persons in possession of the Land.
3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4.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 and not shown by the Public Records.
5.(a) Unpatented mining claims; (b) reservations or exceptions 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.
6.Any lien or right to a lien for services, labor or material not shown by the Public Records.
2006 ALTA OWNER'S POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or
damage, costs, attorneys' fees, or expenses that arise by reason of:
1.(a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning)
restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not
modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under
Covered Risk 6.
2.Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or
8.
CLTA Preliminary Report
Page 14 of 21
EXCLUSIONS FROM COVERAGE (continued)
3.Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured
Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage
provided under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the
Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that
the transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or
attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the
Public Records that vests Title as shown in Schedule A.
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above
Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following
Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses,
that arise by reason of:
[The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the
above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the
following Exceptions from Coverage:
1.(a) 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.
2.Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an
inspection of the Land or that may be asserted by persons in possession of the Land.
3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4.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 and that are not shown by the Public Records.
5.(a) Unpatented mining claims; (b) reservations or exceptions 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.
6.Any lien or right to a lien for services, labor or material not shown by the Public Records.
7.[Variable exceptions such as taxes, easements, CC&R's, etc. shown here.]
CLTA Preliminary Report
Page 15 of 21
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or
damage, costs, attorneys' fees or expenses which arise by reason of:
1.(a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning)
restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not
modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under
Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
2.Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or
8.
3.Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured
Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage
provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the
Insured Mortgage.
4.Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply
with applicable doing-business laws of the state where the Land is situated.
5.Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the
transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or
truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26.
6.Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or
modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner
of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in
Covered Risk 11.
7.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or
attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered
Risk 11(b) or 25.
8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of
Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided
in Covered Risk 5 or 6.
9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that
the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy.
10.Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
11.Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other
substances.
CLTA Preliminary Report
Page 16 of 21
NOTICE
FEDERAL FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980 (FIRPTA)
Upon the sale of United States real property, by a non-resident alien, foreign corporation, partnership or trust, the Foreign Investment in Real
Property Tax Act of 1980 (FIRPTA), and as revised by the Tax Reform Act of 1984 (26 USCA 897 (C)(1)(A)(1) and 26 USCA 1445), Revised by the Path
Act of 2015, These changes may be reviewed in full in H.R. 2029, now known as Public Law 114-113. See Section 324 of the law for the full text of
FIRPTA changes. Effective February 27, 2016, the amendments to FIRPTA contained in the PATH Act have increased the holdback rate from 10% of
gross proceeds to 15% of gross proceeds of the sale, regardless of whether the actual tax due may exceed (or be less than) the amount withheld if
ANY of the following conditions are met:
1. If the amount realized (generally the sales price) is $300,000 or less, and the property will be used by the Transferee as a residence (as provided
for in the current regulations), no monies need be withheld or remitted to the IRS.
2. If the amount realized exceeds $300,000 but does not exceed $1,000,000, and the property will be used by the Transferee as a residence, (as
provided for in the current regulations) then the withholding rate is 10% on the full amount realized (generally the sales prices)
3. If the amount realized exceeds $1,000,000, then the withholding rate is 15% on the entire amount, regardless of use by the Transferee. The
exemption for personal use as a residence does not apply in this scenario.
If the purchaser who is required to withhold income tax from the seller fails to do so, the purchaser is subject to fines and penalties as provided
under Internal Revenue Code Section 1445.
Escrow Holder will, upon written instructions from the purchaser, withhold Federal Income Tax from the seller and will deposit said tax with the
Internal Revenue Service, together with IRS Forms 8288 and 8288-A. The fee charged for this service is $25.00 payable to the escrow holder.
CALIFORNIA WITHHOLDING
In accordance with Sections 18662 and 18668 of the Revenue and Taxation Code, a transferee (Buyer) may be required to withhold an amount
equal to 3 1/3 percent of the sales price or an alternative withholding amount certified to by the seller in the case of a disposition of California real
property interest by either:
1. A seller who is an individual or when the disbursement instructions authorize the proceeds to be sent to a financial intermediary or the seller,
OR
2. A corporate seller that has no permanent place of business in California.
The buyer may become subject to penalty for failure to withhold an amount equal to the greater of 10 percent of the amount required to be
withheld or five hundred dollars ($500).
However, notwithstanding any other provision included in the California statutes referenced above, no buyer will be required to withhold any
amount or be subject to penalty for failure to withhold if:
1. The sales price of the California real property conveyed does not exceed one hundred thousand dollars ($100,000.00), OR
2. The seller executes a written certificate, under the penalty of perjury, of any of the following:
a.The property qualifies as the seller's (or decedent's, if being sold by the decedent's estate) principal residence within the meaning of
Internal Revenue Code (IRC) Section 121; or
b.The seller (or decedent, if being sold by the decedent's estate) last used the property as the seller's (decedent's) principal residence
within the meaning of IRC Section 121 without regard to the two-year time period; or
c.The seller has a loss or zero gain for California income tax purposes on this sale; or
d.The property is being compulsorily or involuntarily converted and the seller intends to acquire property that is similar or related in service
or use to qualify for non-recognition of gain for California income tax purposes under IRC Section 1033; or
e.If the transfer qualifies for non-recognition treatment under IRC Section 351 (transfer to a corporation controlled by the transferor) or IRC
Section 721 (contribution to a partnership in exchange for a partnership interest); or
f.The seller is a corporation (or an LLC classified as a corporation for federal and California income tax purposes) that is either qualified
through the California Secretary of State or has a permanent place of Business in California; or
g.The seller is a partnership (or an LLC that is not a disregarded single member LLC and is classified as a partnership for federal and
California income tax purposes) with recorded title to the property in the name of the partnership of LLC; or
h.The seller is a tax-exempt entity under either California or federal law; or
i.The seller is an insurance company, individual retirement account, qualified pension/profit sharing plan, or charitable remainder trust; or
j.The transfer qualifies as a simultaneous like-kind exchange within the meaning of IRC Section 1031; or
k.The transfer qualifies as a deferred like-kind exchange within the meaning of IRC Section 1031; or
l.The transfer of this property will be an installment sale that you will report as such for California tax purposes and the buyer has agreed
to withhold on each principal payment instead of withholding the full amount at the time of transfer.
The Seller is subject to penalty for knowingly filing a fraudulent certificate for the purpose of avoiding the withholding requirement.
CLTA Preliminary Report
Page 17 of 21
NOTICE
DEPOSIT OF FUNDS AND DISBURSEMENT DISCLOSURE
Unless you elect otherwise (as described below), all funds received by (the "Company") in escrow will be deposited with
other escrow funds in one or more non-interest bearing escrow accounts of the Company in a financial institution
selected by the Company. The depositor acknowledges that the deposit of funds in a non-interest bearing demand
account by Escrow Holder may result in said company receiving a range of economic benefits from the bank in the form
of services, credits, considerations, or other things of value. The depositor hereby specifically waives any claim to such
economic benefits payable to Escrow Holder resulting from non-interest bearing deposits. Unless you direct the
Company to open an interest-bearing account (as described below), the Company shall have no obligation to account to
you in any manner for the value of, or to compensate any party for, any benefit received by the Company and/or its
affiliated company. Any such benefits shall be deemed additional compensation of the Company for its services in
connection with the escrow.
If you elect, funds deposited by you prior to the close of escrow may be placed in an individual interest-bearing account
arrangement that the Company has established with one of its financial institutions. You do not have an opportunity to
earn interest on the funds deposited by a lender. If you elect to earn interest through this special account arrangement,
the Company will charge you an additional fee of $50.00 for the establishment and maintenance of the account. This
fee compensates the Company for the costs associated with opening and managing the interest-bearing account,
preparing correspondence/documentation, transferring funds, maintaining appropriate records for audit/reconciliation
purposes, and filing any required tax withholding statements. It is important that you consider this cost in your decision
since the cost may exceed the interest you earn.
CLTA Preliminary Report
Page 18 of 21
PRIVACY POLICY NOTICE
Purpose Of This Notice
Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates,
from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you
with a notice of its privacy policies and practices, such as the type of information that it collects about you and the
categories of a persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with
this document which notifies you of the privacy policies and practices of:
Montana Title and Escrow Company Placer Title Company
National Closing Solutions, Inc.Placer Title Insurance Agency of Utah
National Closing Solutions of Alabama, LLC Premier Title Agency
National Closing Solutions of Maryland, Inc.North Idaho Title Insurance Company
Texas National Title Wyoming Title and Escrow Company
We may collect nonpublic personal information about you from the following sources:
Information we receive from you, such as an application or other forms.
Information about your transactions we secure from our files, or from our affiliates or others.
Information we receive from a consumer reporting agency.
Information we receive from others involved in your transaction, such as the real estate agent or lender.
Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal
information will be collected about you.
We may disclose any of the above information that we collect about our customers or former customers to our affiliates or
to nonaffiliated third parties as permitted by law.
We also may disclose this information about our customers or former customers to the following types of nonaffiliated
companies that perform marketing services on our behalf or with whom we have joint marketing agreements:
Financial service providers such as companies engaged in banking, consumer finances, securities and insurance.
Nonfinancial companies such as envelope stuffers and other fulfillment service providers.
We do not disclose any nonpublic personal information about you with anyone for any
purpose that is not specifically permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that
information in order to provide products or services to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your nonpublic personal information.
CLTA Preliminary Report
Page 19 of 21
FACTS WHAT DOES OLD REPUBLIC TITLE
DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
Social Security number and employment information
Mortgage rates and payments and account balances
Checking account information and wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this
notice.
How?
All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their customers’
personal information; the reasons Old Republic Title chooses to share; and whether you can limit
this sharing.
Reasons we can share your personal
information
Does Old Republic
Title share?
Can you limit this
sharing?
For our everyday business purposes – such as to process your
transactions, maintain your account(s), or respond to court
orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes – to offer our products and
services to you No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes – information
about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information
about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Questions Go to www.oldrepublictitle.com (Contact Us)
CLTA Preliminary Report
Page 20 of 21
Who we are
Who is providing this notice?Companies with an Old Republic Title name and other affiliates. Please see
below for a list of affiliates.
What we do
How does Old Republic Title
protect my personal
information?
To protect your personal information from unauthorized access and
use, we use security measures that comply with federal law. These
measures include computer safeguards and secured files and buildings.
For more information, visit
http://www.OldRepublicTitle.com/newnational/Contact/privacy.
How does Old Republic Title
collect my personal information?
We collect your personal information, for example, when you:
Give us your contact information or show your driver’s license
Show your government-issued ID or provide your mortgage
information
Make a wire transfer
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only:
Sharing for affiliates’ everyday business purposes – information
about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to
limit sharing. See the “Other important information” section below for
your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies
Our affiliates include companies with an Old Republic Title
name, and financial companies such as Attorneys’ Title Fund
Services, LLC, Lex Terrae National Title Services, Inc., Mississippi
Valley Title Services Company, and The Title Company of North
Carolina.
Non-affiliates Companies not related by common ownership or control. They can be
financial and non-financial companies.
Old Republic Title does not share with non-affiliates so they can
market to you
Joint Marketing A formal agreement between non-affiliated financial companies that
together market financial products or services to you.
Old Republic Title doesn’t jointly market.
CLTA Preliminary Report
Page 21 of 21
Other Important Information
Oregon residents only: We are providing you this notice under state law. We may share your personal information
(described on page one) obtained from your or others with non-affiliate service providers with whom we contract,
such as notaries and delivery services, in order to process your transactions. You may see what personal information
we have collected about you in connection with your transaction (other than personal information related to a claim
or legal proceeding). To see your information, please click on “Contact Us” at www.oldrepublictitle.com and submit
your written request to the Legal Department. You may see and copy the information at our office or ask us to mail
you a copy for a reasonable fee. If you think any information is wrong, you may submit a written request online to
correct or delete it. We will let you know what actions we take. If you do not agree with our actions, you may send
us a statement.
Affiliates Who May be Delivering This Notice
American First
Abstract, LLC
American First Title &
Trust Company
American Guaranty
Title Insurance
Company
Attorneys’ Title Fund
Services, LLC
Compass Abstract,
Inc.
eRecording Partners
Network, LLC
Genesis Abstract, LLC Kansas City
Management Group,
LLC
L.T. Service Corp.Lenders Inspection
Company
Lex Terrae National
Title Services, Inc.
Lex Terrae, Ltd.Mara Escrow
Company
Mississippi Valley
Title Services
Company
National Title Agent’s
Services Company
Old Republic Branch
Information Services,
Inc.
Old Republic
Diversified Services,
Inc.
Old Republic
Exchange Company
Old Republic National
Title Insurance
Company
Old Republic Title
and Escrow of
Hawaii, Ltd.
Old Republic Title Co.Old Republic Title
Company of Conroe
Old Republic Title
Company of Indiana
Old Republic Title
Company of Nevada
Old Republic Title
Company of
Oklahoma
Old Republic Title
Company of Oregon
Old Republic Title
Company of St. Louis
Old Republic Title
Company of
Tennessee
Old Republic Title
Information
Concepts
Old Republic Title
Insurance Agency,
Inc.
Old Republic Title,
Ltd.
Republic Abstract &
Settlement, LLC
Sentry Abstract
Company
The Title Company of
North Carolina
Title Services, LLC
Trident Land Transfer
Company, LLC