HomeMy WebLinkAboutLLA20-0012_Preliminaty_Title_Report-030-212-047Order No.: 792292
Preliminary Report
Page 1 of 7
Gilbert Gonzales
Title Officer
Stewart Title of California, Inc.
7480 North Palm Avenue, Suite 103
Fresno, CA 93711
Phone: (559) 650-3600
Fax:
gilbert.gonzales@stewart.com
PRELIMINARY REPORT
Order No.:792292
Your File No.:
Buyer/Borrower Name:Willow Partners LLC
Seller Name:Sierra Trails LLC
Property Address: 1451 Oro Dam Boulevard West, Oroville, CA 95965
In response to the above referenced application for a Policy of Title Insurance, Stewart Title of California,
Inc. hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a Stewart
Title Guaranty Company 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 referenced to as an Exception on Schedule B 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 Exhibit A attached. 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 Limits of Liability for certain
coverages are also set forth in Exhibit A. 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
Exhibit A 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 thereto) 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 as of September 30, 2020 at 7:30AM
Update No. 1
When replying, please contact: Stacey Giguiere, Escrow Officer
Stewart Title of California, Inc.
7480 North Palm Avenue, Ste 103
Fresno, CA 93711
(559) 650-3600
sgiguiere@stewart.com
Order No.: 792292
Preliminary Report
Page 2 of 7
PRELIMINARY REPORT
The form of Policy of Title Insurance contemplated by this report is:
☒ CLTA Standard Coverage Policy
☐ CLTA/ALTA Homeowners Policy
☐ 2006 ALTA Owner's Policy
☒ 2006 ALTA Loan Policy
☐ ALTA Short Form Residential Loan Policy
☐
SCHEDULE A
The estate or interest in the land hereinafter described or referred to covered by this report is:
FEE
Title to said estate or interest at the date hereof is vested in:
Sierra Trails, LLC
Order No.: 792292
Preliminary Report
Page 3 of 7
LEGAL DESCRIPTION
The land referred to herein is situated in the State of California, County of Butte, City of Oroville
and described as follows:
A portion of Lots 1 and 2, in Block 138, as shown on that certain Map entitled, “Thermalito” which map
was filed in the Office of the Recorder of the County of Butte, State of California, June 8, 1887, described
as follows:
Beginning at a point in the North line of said Lot 1, distant North 89° 58’ West, 248.0 feet from the
Northeast corner of said Lot; thence North 89° 58’ West along the North line of said Lots 1 and 2, a
distance of 400.00 feet; thence South 13° 13’ West, 128.50 feet; thence South 28° 33’ West 182.25 feet;
thence South 464.74 feet to a point in the South line of said Lot 2; thence South 89° 58’ East 184.48 feet;
to the southeast corner of said Lot 2; thence North 187.50 feet to the Northwest corner of the South half
of the South half of said Lot 1, thence South 89° 58’ East, 332.0 feet along the North line of said South
half of the South half of Lot 1 to a point which bears South from the point of beginning; thence North
562.50 feet to the point of beginning..
Excepting therefrom that portion conveyed to the State of California by deed recorded November 14,
1995 under Recorder’s Serial No. 95-40147, Butte, County Official Records
APN: 030-212-047
(End of Legal Description)
MAP
THE MAP CONNECTED HEREWITH IS BEING PROVIDED AS A COURTESY AND FOR
INFORMATIONAL PURPOSES ONLY; THIS MAP SHOULD NOT BE RELIED UPON. FURTHERMORE,
THE PARCELS SET OUT ON THIS MAP MAY NOT COMPLY WITH LOCAL SUBDIVISION OR
BUILDING ORDINANCES. STEWART ASSUMES NO LIABILITY, RESPONSIBILITY OR
INDEMNIFICATION RELATED TO THE MAPS NOR ANY MATTERS CONCERNING THE CONTENTS
OF OR ACCURACY OF THE MAP.
Order No.: 792292
Preliminary Report
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SCHEDULE B
At the date hereof, exceptions to coverage in addition to the printed exceptions and exclusions
contained in said policy or policies would be as follows:
Taxes:
A.General and special city and/or county taxes, including any personal property taxes, and any
assessments collected with taxes, for the fiscal year 2020 - 2021:
1st Installment: $4,717.75
Status 1st: Open
2nd Installment: $4,717.75
Status 2nd: Open
Parcel No.: 030-212-047-000
Code Area/Tracer No.: 104-010
Prior to recording, the final amount due for taxes must be confirmed with tax collector.
B.Taxes and/or assessments affecting the land, if any, for Community Facility Districts including
Mello Roos Districts which may exist by virtue of assessment maps or notices filed by said
districts. Said taxes and/or assessments are typically collected with the County taxes; however,
some districts may remove these taxes and/or assessment from the County taxes and assess
and collect them separately.
C.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.
D.Taxes, assessments and charges, if any, levied by the Thermalito Irrigation District
E.Assessments and charges, if any, levied by the Sewerage Commission Oroville Region.
Exceptions:
1.Easement and rights incidental thereto for existing roads, ditches, canals, drains and pipelines,
reserved by Thermalito Irrigation District, as set forth in a document recorded February 20, 1947
in Book 394 Page 360, of Official Records
2.A waiver in favor of the State of California, of any claims for damages in connection with the
contiguous highway, as set out in the deed recorded November 14, 1995 as Instrument No.
1995-040147 of Official Records.
3.Easement and rights incidental thereto for public utilities to Pacific Gas and Electric Company,
as set forth in a document recorded May 28, 1996 as Instrument No. 1996-019631 of Official
Records.
4.Deed of Trust to secure an indebtedness in the amount shown below, and any other obligations
secured thereby:
Amount : $310,000.00
Trustor : Sierra Trails, LLC
Trustee First Santa Clara Corporation, a California corporation
Beneficiary : Bank of the West
Recorded : April 6, 2011 as Instrument No. 2011-0011395, of Official Records
Order No.: 792292
Preliminary Report
Page 5 of 7
5.An assignment of rents and leases, executed by Sierra Trails, LLC , to Bank of the West,
recorded April 6, 2011 as Instrument no. 2011-0011396, of Official Records .
6.Any facts, rights, interests or claims which would be disclosed by an inspection of the land.
7.Rights of tenants in possession whether or not recorded in the public record.
8.In order to insure a conveyance, acquisition or encumbrance by the limited liability company
named below, you must provide the following:
Limited liability company: Sierra Trails, LLC
(a) A certified copy of the articles of organization (Form LLC-1), and any filed amendment (Form
LLC-2) or restatement (Form LLC-10), if applicable.
(b) A copy of the operating agreement and any amendments.
Additional requirements or items may be requested upon review of the required documents set
forth above.
9.Any lien, or right to a lien, for services, labor, materials or equipment heretofore or hereafter
furnished, imposed by law and not shown by the Public Records.
(End of Exceptions)
Order No.: 792292
Preliminary Report
Page 6 of 7
NOTES AND REQUIREMENTS
A.There are no conveyances affecting said land, recorded with the County Recorder within 24
months of the date of this report.
B.If an Owners Policy will be requested, please be aware that unless instructed otherwise, we will
issue a CLTA Standard Coverage Owners Policy. If a different form of policy is contemplated for
this transaction, please advise and contact your title officer for additional requirements.
C.All Transactions - Seller(s) and Buyer(s) or Borrowers are provided as attachments Stewart Title’s
document entitled "Acknowledgement of Receipt, Understanding and Approval of STG Privacy
Notice for Stewart Title Companies and Stewart’s Affiliated Business Arrangement Disclosure
Statement" along with those individually named documents for your review and acknowledgment
prior to closing.
D.All Transactions - Buyer(s)/Seller(s)/Borrower(s) are provided Stewart Title’s Preliminary report
for review and acknowledgment prior to closing. Buyer(s) approval to include the Preliminary
Report items that remain as exceptions to the title policy.
E.Purchase Transaction Only-Seller(s)/Owner(s) are provided Stewart Title's Owner Affidavit and
Indemnity for completion prior to closing.
Order No.: 792292
Preliminary Report
Page 7 of 7
CALIFORNIA "GOOD FUNDS" LAW
California Insurance Code Section 12413.1 regulates the disbursement of escrow and sub-escrow funds
by title companies. The law requires that funds be deposited in the title company escrow account and
available for withdrawal prior to disbursement. Funds received by Stewart Title of California, Inc. via wire
transfer may be disbursed upon receipt. Funds received via cashier’s checks or teller checks drawn on a
California Bank may be disbursed on the next business day after the day of deposit. If funds are received
by any other means, recording and/or disbursement may be delayed, and you should contact your title or
escrow officer. All escrow and sub-escrow funds received will be deposited with other escrow funds in
one or more non-interest bearing escrow accounts in a financial institution selected by Stewart Title of
California, Inc.. Stewart Title of California, Inc. may receive certain direct or indirect benefits from the
financial institution by reason of the deposit of such funds or the maintenance of such accounts with the
financial institution, and Stewart Title of California, Inc. shall have no obligation to account to the
depositing party in any manner for the value of, or to pay to such party, any benefit received by Stewart
Title of California, Inc.. Such benefits shall be deemed additional compensation to Stewart Title of
California, Inc. for its services in connection with the escrow or sub-escrow.
If any check submitted is dishonored upon presentation for payment, you are authorized to notify all
principals and/or their respective agents of such nonpayment.
EXHIBIT "A"
LEGAL DESCRIPTION
Order No.: 792292
Escrow No.: 792292
The land referred to herein is situated in the State of California, County of Butte, City of Oroville and
described as follows:
A portion of Lots 1 and 2, in Block 138, as shown on that certain Map entitled, “Thermalito” which map
was filed in the Office of the Recorder of the County of Butte, State of California, June 8, 1887, described
as follows:
Beginning at a point in the North line of said Lot 1, distant North 89° 58’ West, 248.0 feet from the
Northeast corner of said Lot; thence North 89° 58’ West along the North line of said Lots 1 and 2, a
distance of 400.00 feet; thence South 13° 13’ West, 128.50 feet; thence South 28° 33’ West 182.25 feet;
thence South 464.74 feet to a point in the South line of said Lot 2; thence South 89° 58’ East 184.48 feet;
to the southeast corner of said Lot 2; thence North 187.50 feet to the Northwest corner of the South half
of the South half of said Lot 1, thence South 89° 58’ East, 332.0 feet along the North line of said South
half of the South half of Lot 1 to a point which bears South from the point of beginning; thence North
562.50 feet to the point of beginning..
Excepting therefrom that portion conveyed to the State of California by deed recorded November 14,
1995 under Recorder’s Serial No. 95-40147, Butte, County Official Records
APN: 030-212-047
(End of Legal Description)
File No.: 792292 Page 1 of 1
AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT
Date:June 10, 2020
File No.:792292
Property:1451 Oro Dam Boulevard West, Oroville, CA 95965
From:Stewart Title of California, Inc.
This is to give you notice that Stewart Title of California, Inc. (“Stewart Title”) has a business relationship
with Stewart Solutions, LLC, DBA – Stewart Specialty Insurance Services, LLC (“Stewart Insurance”).
Stewart Information Services Corporation owns 100% of Stewart Insurance and Stewart Title of
California, Inc.. Because of this relationship, this referral may provide Stewart Title a financial or other
benefit.
Set forth below is the estimated charge or range of charges for the settlement services listed. You are
NOT required to use the listed provider(s) as a condition for purchase, sale, or refinance of the subject
Property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE
WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE
RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Stewart Insurance Settlement Service Charge or range of charges
Hazard Insurance $400.00 to $6,500.00
Home Warranty $255.00 to $ 780.00
Natural Hazard Disclosure Report $ 42.50 to $ 149.50
File No.: 792292 Page 1 of 1
ACKNOWLEDGEMENT OF RECEIPT, UNDERSTANDING
AND APPROVAL OF STEWART TITLE GUARANTY COMPANY
PRIVACY NOTICE FOR STEWART TITLE COMPANIES AND
AFFILIATED BUSINESS ARRANGEMENT
DISCLOSURE STATEMENT
The undersigned hereby acknowledge receipt of the Stewart Title Guaranty Company Privacy
Notice for Stewart Title Companies and the Affiliated Business Arrangement Disclosure Statement that
apply to this transaction. The undersigned further acknowledge that he/she/they have received, read,
understand and accept these documents in connection with the above described transaction.
The undersigned have received a copy of this acknowledgement as evidenced by the signature
below.
Sierra Trails LLC
a California limited liability company
By: ______________________
Nicholas J. Vrolyk, Member/Mgr
By: ______________________
Jeanne R. Vrolyk, Member/Mgr
Willow Partners LLC
By :______________________
Name: ___________________
Title: ____________________
(Rev. 11-09-18)
File No.: 792292
Page 1 of 5
CLTA Preliminary Report Form Exhibit A (11-09-18)
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.
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 unless such lien is shown by the Public Records at Date of Policy.
(Rev. 11-09-18)
File No.: 792292
Page 2 of 5
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;
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 appear 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. 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)
(Rev. 11-09-18)
File No.: 792292
Page 3 of 5
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.
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
Except as provided in Schedule B - Part II, 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:
PART I
1.(a) 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.
(b) 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.
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, which are 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 unless such lien is shown by the Public Records at Date of Policy.
PART II
In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or
damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:
(Rev. 11-09-18)
File No.: 792292
Page 4 of 5
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.
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) 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.
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 by making inquiry of persons in possession thereof.
3.Easements, liens or encumbrances, or claims thereof, which are 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 unless such lien is shown by the Public Records at Date of Policy..
(Rev. 11-09-18)
File No.: 792292
Page 5 of 5
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY – ASSESSMENTS PRIORITY (04-02-15)
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 and zoning laws, ordinances, or
regulations) restricting, regulating, prohibiting or relating to
(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)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 which 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.
File No.: 792292
File No.: 792292
AVAILABLE DISCOUNTS DISCLOSURE STATEMENT
This is to give you notice that Stewart Title of California, Inc. (“Stewart Title”) is pleased to inform you that
upon proper qualification, there are premium discounts available upon the purchase of title insurance
covering improved property with a one to four family residential dwelling.
Such discounts apply to and include:
Property located within an area proclaimed a state or federal disaster area;
Property purchased from a foreclosing beneficiary or successful bidder at a foreclosure sale;
Property being refinanced.
Please talk with your escrow or title officer to determine your qualification for any of these discounts.
Order No.: 792292
Owners Affidavit and Indemnity CA (rev. 10-2019)
Page 1 of 3Rev. 04-2019
OWNER'S AFFIDAVIT AND INDEMNITY
Order No.: 792292
Address/Location:1451 Oro Dam Boulevard West, Oroville, CA 95965
APN: 030-212-047
In connection with the request of the Undersigned (“Affiant”) for the preparation and issuance of insurance, Affiant
makes the following statements and representations for the benefit of, and reliance by, title insurer STEWART
TITLE GUARANTY COMPANY, and its policy issuing agent STEWART TITLE OF CALIFORNIA, INC.
(collectively hereafter referred to as "TITLE"):
1.Affiant owns and holds title to property described in Schedule A of the Preliminary Report or Commitment
issued in connection with the above referenced Order Number (the “Property”).
2.The Affiant's possession of the Property has been peaceful and undisturbed, and title thereto has never
been disputed, questioned or rejected, nor has the issuance of title insurance ever been refused, except
as follows: (If none, please state “none”)
_________________________________________________________________________________
3.Other than the Affiant, there are no parties entitled to possession of the Property other than the following:
(If none, please state “none”)
_________________________________________________________________________________
4.There are no leases, licenses, options, rights of first refusal, or contracts to sell, affecting the Property, or
any parties currently in possession, of the Property, except the following: (If none, please state “none”)
_________________________________________________________________________________
5.All assessments by a management, common area, building maintenance or homeowner association, if
any, are paid current or are not yet due and payable.
6.There are no pending contemplated repairs/improvements to the Property, except the following: (If none,
please state “none)
_________________________________________________________________________________
7.There has been no building materials, repairs, improvements or remodeling performed, provided,
furnished or delivered within the last 12 months, except as follows: (If none, please state “none”)
_________________________________________________________________________________
8.Affiant is not aware of the existence of any of the following:
a.Improvements encroaching into any easements or over any boundary lines of the Property.
b.Adjoining property improvements encroaching onto the Property.
c.Liens against the Property and/or judgments or tax liens against Affiant or any other property owner
currently in title, except those described in the Preliminary Report or Commitment issued in connection
with the above referenced Order Number.
d.Outstanding claims or persons entitled to claims for mechanics' or materialman liens against the
Property.
e.Pending repairs/improvements to the adjacent street(s).
f.Any pending litigation involving the Property, the Affiant or any other property owner currently in title.
g.Recent improvements completed or being made to any common area(s) located within the subdivision
in which the Property is located.
h.Violations of any recorded covenants, conditions and/or restrictions imposed on the Property.
i.Any pending assessments for Community Facility Districts.
j.Any new, pending or existing obligation or loan including any home improvements on the Property
pursuant to the PACE or HERO program, or any other similar type program.
k.Any use of the property for the production, sale, warehousing or transporting of fresh fruits, vegetables,
livestock or poultry (e.g. supermarkets, restaurants, wineries, breweries and meat packing plants).
With regard to 8a.-8k, except as follows: (If none, please state “none”)
_______________________________________________________________________________
Order No.: 792292
Owners Affidavit and Indemnity CA (rev. 10-2019)
Page 2 of 3Rev. 04-2019
9.No proceedings in bankruptcy or receivership have been instituted by or against the Affiant or any other
property owner currently in title.
10.There are no unpaid utility type bills including but not limited to bills for water, sewer, hazardous waste,
recycling, storm drain and/or rubbish and there are no liens related to such utilities from or on the
Property, with the exception of the following: (If none, please state “none”)
_________________________________________________________________________________
11.There are no financial obligations secured by trust deeds, mortgages, financing statements, vendor’s
liens, security agreements or otherwise, against the Property, except as set forth in the Preliminary
Report, proforma and/or Commitment, and as set forth below: (If none, please state “none”)
Creditor Approximate Balance
12.There has been no harvesting or production of any oil, gas, geothermal materials or other minerals from
or on the Property and there are no oil, gas, geothermal and/or mineral leases, licenses, options, rights of
first refusal, and/or contracts to sell, affecting the mineral rights associated with the Property, or other
parties currently in possession, of the mineral rights on the Property, except the following: (If none,
please state “none”)
_________________________________________________________________________________
13.Other than the Affiant, there are no other parties currently in possession of the Property, including but not
limited to, any possessory interest associated with the harvesting of any oil, gas, geothermal materials or
other minerals, except the following: (If none, please state “none”)
_________________________________________________________________________________
This is a sworn affidavit and is made for the purpose of inducing TITLE to provide certain insurance coverage to a
purchaser and/or lender, and the representations contained herein are material to such insurance coverage. The
undersigned hereby indemnifies and holds Stewart Title Guaranty Company and its policy issuing agent identified
above harmless from any loss or damage, liability, costs, expenses and attorneys’ fees which it may sustain
under its policies of title insurance or commitments to the extent any representation contained herein is incorrect.
The undersigned understands that TITLE may decide not to provide the requested title insurance despite the
information and affirmations contained herein.
PLEASE READ, COMPLETE AND RESPOND TO ALL STATEMENTS CONTAINED IN THIS OWNER’S
AFFIDAVIT AND INDEMNITY BEFORE SIGNING IN THE PRESENCE OF A NOTARY PUBLIC. THE NOTARY
PUBLIC WILL EXECUTE THE ACKNOWLEDGMENT ON THE FOLLOWING PAGE. HOWEVER, IF YOU DO
NOT UNDERSTAND OR HAVE ANY QUESTIONS ABOUT THIS AFFIDAVIT, YOU SHOULD SEEK THE
ASSISTANCE OF YOUR INDEPENDENT FINANCIAL AND/OR LEGAL ADVISOR BEFORE SIGNING.
Sierra Trails LLC
a California limited liability company
By: ______________________
Nicholas J. Vrolyk, Member/Mgr
By: ______________________
Jeanne R. Vrolyk, Member/Mgr
Order No.: 792292
Owners Affidavit and Indemnity CA (rev. 10-2019)
Page 3 of 3Rev. 04-2019
A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document
to which this certificate is attached and not the truthfulness, accuracy, or validity of that document.
State of California )
) ss.
County of ______________)
Subscribed and sworn to (or affirmed) before me on this _______ day of ______________________, 20____, by
____________________________________________________________________________, proved to me on
the basis of satisfactory evidence to be the person(s) who appeared before me.
___________________________________________
Notary Signature
File No.: 792292 Revised 01-01-2020
Stewart Title Guaranty Company Privacy Notice
Stewart Title Companies
WHAT DO THE STEWART TITLE COMPANIES DO WITH YOUR PERSONAL INFORMATION?
Federal and applicable state law and regulations give consumers the right to limit some but not all sharing. Federal and applicable state
law regulations also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to
understand how we use your personal information. This privacy notice is distributed on behalf of the Stewart Title Guaranty Company and
its title affiliates (the Stewart Title Companies), pursuant to Title V of the Gramm-Leach-Bliley Act (GLBA).
The types of personal information we collect and share depend on the product or service that you have sought through us. This
information can include social security numbers and driver's license number.
All financial companies, such as the Stewart Title Companies, need to share customers' personal information to run their everyday
business—to process transactions and maintain customer accounts. In the section below, we list the reasons that we can share
customers' personal information; the reasons that we choose to share; and whether you can limit this sharing.
Reasons we can share your personal information.Do we share Can you limit this sharing?
For our everyday business purposes— to process your transactions
and maintain your account. This may include running the business and
managing customer accounts, such as processing transactions,
mailing, and auditing services, and responding to court orders and legal
investigations.
Yes No
For our marketing purposes— to offer our products and services to you.Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes— information about
your transactions and experiences. Affiliates are companies related by
common ownership or control. They can be financial and non-financial
companies. Our affiliates may include companies with a Stewart name;
financial companies, such as Stewart Title Company
Yes No
For our affiliates' everyday business purposes— information about
your creditworthiness.No We don't share
For our affiliates to market to you — For your convenience, Stewart
has developed a means for you to opt out from its affiliates marketing
even though such mechanism is not legally required.
Yes Yes, send your first and last name, the email
address used in your transaction, your Stewart file
number and the Stewart office location that is
handling your transaction by email to
optout@stewart.com or fax to
1-800-335-9591.
For non-affiliates to market to you. Non-affiliates are companies not
related by common ownership or control. They can be financial and
non-financial companies.
No We don't share
We may disclose your personal information to our affiliates or to non-affiliates as permitted by law. If you request a transaction with a
non-affiliate, such as a third party insurance company, we will disclose your personal information to that non-affiliate. [We do not control
their subsequent use of information, and suggest you refer to their privacy notices.]
SHARING PRACTICES
How often do the Stewart Title Companies notify me
about their practices?
We must notify you about our sharing practices when you request a transaction.
How do the Stewart Title Companies 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, file, and building safeguards.
How do the Stewart Title Companies collect my
personal information?
We collect your personal information, for example, when you
·request insurance-related services
·provide such information to us
We also collect your personal information from others, such as the real estate
agent or lender involved in your transaction, credit reporting agencies, affiliates
or other companies.
What sharing can I limit?Although federal and state law give you the right to limit sharing (e.g., opt out) in
certain instances, we do not share your personal information in those instances.
Contact us: If you have any questions about this privacy notice, please contact us at: Stewart Title Guaranty Company,
1360 Post Oak Blvd., Ste. 100, Privacy Officer, Houston, Texas 77056
File No.: 792292 Revised 01-01-2020
Effective Date: January 1, 2020
Privacy Notice for California Residents
Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), Stewart Information Services Corporation and its subsidiary companies
(collectively, “Stewart”) are providing this Privacy Notice for California Residents (“CCPA Notice”). This CCPA Notice supplements the
information contained in Stewart’s existing privacy notice and applies solely to all visitors, users and others who reside in the State of
California or are considered California Residents (“consumers” or “you”). Terms used but not defined shall have the meaning ascribed to them
in the CCPA.
Information Stewart Collects
Stewart collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked,
directly or indirectly, with a particular consumer, household, or device. Most of the information that Stewart collects in the course of its regular
business is already protected pursuant to the Gramm-Leach-Bliley Act (GLBA). Additionally, much of this information comes from government
records or other information already in the public domain. Personal information under the CCPA does not include:
Publicly available information from government records.
Deidentified or aggregated consumer information.
Certain personal information protected by other sector-specific federal or California laws, including but not limited to the Fair Credit
Reporting Act (FCRA), GLBA and California Financial Information Privacy Act (FIPA).
Specifically, Stewart has collected the following categories of personal information from consumers within the last twelve (12) months:
Category Examples Collected?
A. Identifiers.
A real name, alias, postal address, unique personal identifier, online identifier, Internet
Protocol address, email address, account name, Social Security number, driver's
license number, passport number, or other similar identifiers.
YES
B. Personal information categories
listed in the California Customer
Records statute (Cal. Civ. Code §
1798.80(e)).
A name, signature, Social Security number, physical characteristics or description,
address, telephone number, passport number, driver's license or state identification
card number, insurance policy number, education, employment, employment history,
bank account number, credit card number, debit card number, or any other financial
information, medical information, or health insurance information. Some personal
information included in this category may overlap with other categories.
YES
C. Protected classification
characteristics under California or
federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or
creed, marital status, medical condition, physical or mental disability, sex (including
gender, gender identity, gender expression, pregnancy or childbirth and related
medical conditions), sexual orientation, veteran or military status, genetic information
(including familial genetic information).
YES
D. Commercial information.Records of personal property, products or services purchased, obtained, or
considered, or other purchasing or consuming histories or tendencies.YES
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity patterns
used to extract a template or other identifier or identifying information, such as,
fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other
physical patterns, and sleep, health, or exercise data.
YES
F. Internet or other similar network
activity.
Browsing history, search history, information on a consumer's interaction with a
website, application, or advertisement.YES
G. Geolocation data.Physical location or movements.YES
H. Sensory data.Audio, electronic, visual, thermal, olfactory, or similar information.YES
I. Professional or employment-related
information.Current or past job history or performance evaluations.YES
J. Non-public education information
(per the Family Educational Rights and
Privacy Act (20 U.S.C. Section 1232g,
34 C.F.R. Part 99)).
Education records directly related to a student maintained by an educational institution
or party acting on its behalf, such as grades, transcripts, class lists, student schedules,
student identification codes, student financial information, or student disciplinary
records.
YES
K. Inferences drawn from other
personal information.
Profile reflecting a person's preferences, characteristics, psychological trends,
predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.YES
File No.: 792292 Revised 01-01-2020
Stewart obtains the categories of personal information listed above from the following categories of sources:
Directly and indirectly from customers, their designees or their agents (For example, realtors, lenders, attorneys, etc.)
Directly and indirectly from activity on Stewart’s website or other applications.From third-parties that interact with Stewart in connection with the services we provide.
Use of Personal Information
Stewart may use or disclose the personal information we collect for one or more of the following purposes:
To fulfill or meet the reason for which the information is provided.
To provide, support, personalize, and develop our website, products, and services.
To create, maintain, customize, and secure your account with Stewart.
To process your requests, purchases, transactions, and payments and prevent transactional fraud.
To prevent and/or process claims.
To assist third party vendors/service providers who complete transactions or perform services on Stewart’s behalf.As necessary or appropriate to protect the rights, property or safety of Stewart, our customers or others.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and
improve our responses.
To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including
targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by
law).
To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets,
and business.
To respond to law enforcement or regulator requests as required by applicable law, court order, or governmental regulations.
Auditing for compliance with federal and state laws, rules and regulations.Performing services including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and
transactions, verifying customer information, processing payments, providing advertising or marketing services or other similar
services.To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our
assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by
us is among the assets transferred.
Stewart will not collect additional categories of personal information or use the personal information we collected for materially different,
unrelated, or incompatible purposes without providing you notice.
Disclosure of Personal Information to Affiliated Companies and Nonaffiliated Third Parties
Stewart does not sell your personal information to nonaffiliated third parties. Stewart may share your information with those you have
designated as your agent in the course of your transaction (for example, a realtor or a lender). Stewart may disclose your personal
information to a third party for a business purpose. Typically, when we disclose personal information for a business purpose, we enter a
contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any
purpose except performing the contract.
We share your personal information with the following categories of third parties:
Service providers and vendors (For example, search companies, mobile notaries, and companies providing credit/debit card
processing, billing, shipping, repair, customer service, auditing, marketing, etc.)Affiliated Companies
Litigation parties and attorneys, as required by law.
Financial rating organizations, rating bureaus and trade associations. Federal and State Regulators, law enforcement and other government entities
In the preceding twelve (12) months, Stewart has disclosed the following categories of personal information for a business purpose:
Category A: Identifiers
Category B: California Customer Records personal information categories
Category C: Protected classification characteristics under California or federal law
Category D: Commercial Information
Category E: Biometric Information
Category F: Internet or other similar network activity
Category G: Geolocation data
Category H: Sensory data
Category I: Professional or employment-related information
Category J: Non-public education information
Category K: Inferences
Consumer Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your
CCPA rights and explains how to exercise those rights.
File No.: 792292 Revised 01-01-2020
Access to Specific Information and Data Portability Rights
You have the right to request that Stewart disclose certain information to you about our collection and use of your personal information
over the past 12 months. Once we receive and confirm your verifiable consumer request, Stewart will disclose to you:
The categories of personal information Stewart collected about you.
The categories of sources for the personal information Stewart collected about you.
Stewart’s business or commercial purpose for collecting that personal information.The categories of third parties with whom Stewart shares that personal information.
The specific pieces of personal information Stewart collected about you (also called a data portability request).
If Stewart disclosed your personal data for a business purpose, a listing identifying the personal information categories that each
category of recipient obtained.
Deletion Request Rights
You have the right to request that Stewart delete any of your personal information we collected from you and retained, subject to certain
exceptions. Once we receive and confirm your verifiable consumer request, Stewart will delete (and direct our service providers to delete)
your personal information from our records, unless an exception applies.
Stewart may deny your deletion request if retaining the information is necessary for us or our service providers to:
1.Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions
reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2.Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such
activities.
3.Debug products to identify and repair errors that impair existing intended functionality.
4.Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for
by law.
5.Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6.Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable
ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement,
if you previously provided informed consent.
7.Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8.Comply with a legal obligation.
9.Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us either:
Calling us Toll Free at 1-866-571-9270
Emailing us at Privacyrequest@stewart.com
Visiting http://stewart.com/ccpa
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information.
You may also make a verifiable consumer request on behalf of your minor child.
To designate an authorized agent, please contact Stewart through one of the methods mentioned above.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer
request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an
authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
Stewart cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the
request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with Stewart.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to an additional
45 days), we will inform you of the reason and extension period in writing.
File No.: 792292 Revised 01-01-2020
A written response will be delivered by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide
will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide
your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without
hindrance.
Stewart does not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly
unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate
before completing your request.
Non-Discrimination
Stewart will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
Deny you goods or services.
Charge you a different prices or rates for goods or services, including through granting discounts or other benefits, or imposing
penalties.Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Changes to Our Privacy Notice
Stewart reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we
will post the updated notice on Stewart’s website and update the notice’s effective date. Your continued use of Stewart’s website
following the posting of changes constitutes your acceptance of such changes.
Contact Information
If you have questions or comments about this notice, the ways in which Stewart collects and uses your information described here, your
choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone: Toll Free at 1-866-571-9270
Website:http://stewart.com/ccpa
Email: Privacyrequest@stewart.com
Postal Address: Stewart Information Services Corporation
Attn: Mary Thomas, Deputy Chief Compliance Officer
1360 Post Oak Blvd., Ste. 100, MC #14-1
Houston, TX 77056