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HomeMy WebLinkAboutLLA22-0027 Title DocsFidelity National Title Company OF CALIFORNIA PRELIMINARY REPORT In response to the application for a policy of title insurance referenced herein, Fidelity National Title Company of California 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 herein or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations or Conditions 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. 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. The policy(ies) of title insurance to be issued hereunder will be policy(ies) of Fidelity National Title Insurance Company, a Florida corporation. Please read the exceptions shown or referred to herein 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. Fidelity National Title Insurance Company By: President Countersigned By:Attest: Authorized Officer or Agent Secretary CLTA Preliminary Report Form n Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-60222009131 Visit Us on our Website: www.fntic.com Fidelity National Title Company OF CALIFORNIA ISSUING OFFICE: 2001 Market Street, Suite 100, Redding, CA 96001 FOR SETTLEMENT INQUIRIES. CONTACT: Fidelity National Title Company of California 1263 Esplanade, Suite C ¨ Chico, CA 95926 (530)630-6180 l FAX (530)660-9657 Another Prompt Delivery From Fidelity National Title Company of California Title Department Where Local Experience And Expertise Make A Difference PRELIMINARY REPORT Title Officer: Roger Button Email: Roger,Button(gtitlegroup.fntg.com Title No,: FFHO-6022200913A Escrow Officer: Jordan Hunt Email: Jordan,Hunt@fnf.com Escrow No.: FFHO-6022200913-JH TO: Nicolaus Nut Company Attn: George R Nicolaus PROPERTY ADDRESS(ES): 13816 Hwy 99, and APN: Q47-26Q-197-Q00 & 047-260-199-000, Chico, CA EFFECTIVE DATE; October 31, 2022 at 07:30 AM The form of policy or policies of title insurance contemplated by this report is: Report to facilitate application for a Property Line Adjustment 1. THE ESTATE OR INTEREST IN THE LAND HEREINAFTER DESCRIBED OR REFERRED TO COVERED BY THIS REPORT IS: A Fee 2. TITLE TO SAID ESTATE OR INTEREST AT THE DATE HEREOF IS VESTED IN: Jessica Wood and Christopher Wood, wife and husband, as community property with the right of survivorship, as to Tract A; George R. Nicolaus and Constance Nicolaus, aka Connie Nicolaus, Trustees of the Nicolaus Family Trust of 2002, dated May 6, 2002 as amended and restated, as to Tract B 3. THE LAND REFERRED TO IN THIS REPORT IS DESCRIBED AS FOLLOWS: SEE EXHIBIT 'A” ATTACHED HERETO AND MADE A PART HEREOF Printed: 11,18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-6022200913CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 2 uEXHIBIT "A Legal Description For APN/Parcel ID(s): 047-260-139-000. 047-260-197-000 and 047-260-199-000 THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE UNINCORPORATED AREA IN COUNTY OF BUTTE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: Tract A: Parcel 1, as shown on that certain Parcel Map filed for record in the office of the County Recorder of the County of Butte, State of California, recorded June 5, 1972 in Book 42 of Maps, at page 13. APN: 047-260-139-000 Tract B: Lot 44, as shown on that certain Map entitled, 'Autumn Park Phase H", which Map was Recorded in the Office of the Recorder of the County of Butte, State of California, on March 30, 2000, in Book 149 of Maps, at Paqefs) 67. 68 and 69. APN: 047-260-197-000, 047-260-199-000 CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc / Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-60222009133 Title No.; FFHO-6022200913A AT THE DATE HEREOF, EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN SAID POLICY FORM WOULD BE AS FOLLOWS: THE FOLLOWING ITEMS AFFECT TRACT A: 1.Property taxes, including any personal property taxes and any assessments collected with taxes are as follows: Code Area: Tax Identification No.; 062-105 047-260-139-000 Fiscal Year: 1st Installment; 2nd Installment: Exemption: Land: Improvements; Personal Property: 2022-2023 $1,504.19 Open $1,504.19 Open $0.00 $160,829.00 $107,219.00 $0.00 2.The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 3.A building set-back line, as disclosed by said map/plat. Affects: Southwesterly 55 feet Notes, Recitals, Legends and/or Conditions, if any, as contained on the herein mentioned Map.4. 5.Matters contained in that certain document Entitled: Executed by: 2002 and Evelyn C. Liptrap, Trustee of the Liptrap Revocable Trust Recording Date: Recording No.: Grant of Exclusive Easement George R. Nicolaus and Connie J. Nicolaus, as July 8, 2010 2010-0022584, of Official Records Trustees of the Nicolaus FamilyTrust Reference is hereby made to said document for full particulars. Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-6022200913CLTA Preliminary Report Form * Modified (11.17.06) SCA0002402.doc / Updated: 07.10.19 4 Title No.: FFHO-6022200913A EXCEPTIONS (continued) Any right, title or interest of Vivint Solar Developer, LLC, a Delaware limited liability company in or to the solar energy system located on the Land as disclosed by that certain Notice of Independent Solar Energy System Producer Contract recorded 6. Recording Date: Recording No.: 07/19/2019 2019-0032991. of Official Records An easement for access, maintenance, repair, and removal of said solar energy system as disclosed by said Notice. NOTE: In the event the contract is to be cancelled, the Company requires a separate termination of contract and that said termination of contract be submitted to the Title Officer for review in order to remove this exception. NOTE: In the event the contract is not to be cancelled/terminated and will be assumed by the Buyer, the exception will show in the owner's and lender’s policies. An endorsement at Date of Policy may be offered to the lender, which will insure against loss sustained by any impairment of the lien of an insured Mortgage on the Title except to the extent that said instrument discloses the Independent Solar Energy Producer’s right of ownership to the solar electric generation system installed on the Land. A deed of trust to secure an indebtedness in the amount shown below.7. $184,500.00 April 13, 2020 Jessica Wood and Christopher Wood, wife and husband, as community property with Amount: Dated; Trustor/Grantor the right of survivorship Trustee:WFG National Title Insurance Company Mortgage Electronic Registration Systems, Inc, ("MERS") as Nominee for OptimumBeneficiary; First Inc., a California corporation Loan No.:20030000 // MIN; 101232600200300005 April 20, 2020 2020-0016089, of Official Records Recording Date: Recording No.: THE FOLLOWING ITEMS AFFECT TRACT B: Property taxes, including any personal property taxes and any assessments collected with taxes are as follows: 8. Code Area: Tax Identification No.: 062-222 047-260-197-000 Fiscal Year: 1st Installment: 2nd Installment: Exemption: Land: Improvements: Personal Property: 2022-2023 $149.06 Open $149.06 Open $0.00 $26,261.00 $0.00 $0.00 CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07,10,19 Printed: 11,18,22 @ 02:28 PM by 8S CA—SPS-1-22-FFHO-60222009135 Title No.: FFHO-6022200913A EXCEPTIONS (continued) 9.Said property has been declared tax defaulted for non-payment of delinquent taxes for the fiscal year 2021-2022. APN No.:047-260-197-000 Default No.: Default Date: DEF220000925 June 30, 2022 Amounts to redeem for the above-stated fiscal year (and subsequent years if any) are: Amount; Amount: $389.89 by November 30, 2022 $394,28 by December 31, 2022 10.Property taxes, including any personal property taxes and any assessments collected with taxes are as follows: Code Area: Tax Identification No.: 062-222 047-260-199-000 Fiscal Year: 1st Installment: 2nd Installment: Exemption: Land: Improvements: Personal Property: 2022-2023 $8,163.53 Open $8,163.53 Open $0.00 $1,318,000.00 $90,310.00 $1,500.00 11.The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 12.Taxes and assessments which may be levied by CSA No. 87 Keefer Road/Rock Creek Drainage Service Area District. 13.Taxes and assessments which may be levied by CSA No. 172 (Autumn Park Subdividion) District. Easement(s) for the purpose(s) shown below and rights incidental thereto as provided in a document:14. Perpetual air or flight easement, also referred to as "avigation rights.' August 12, 1999 1999-0034462. of Official Records The air space above said Land. Purpose: Recording Date; Recording No.: Affects; Reference is hereby made to said document for full particulars. Printed: 11.16.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-6022200913CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc / Updated: 07.10.19 6 Title No.: FFHO-6022200913A EXCEPTIONS (continued) Matters contained in that certain document15. Entitled: Dated: Executed by: Recording Date: Recording No.: Agreement Regarding Sale of Subdivision Lots August 6, 1999 Evelyn C. Liptrap and Ritchie Construction, Inc. August 12, 1999 1999-0034463. of Official Records Reference is hereby made to said document for full particulars. 16.Matters contained in that certain document Agreement Running With the Land Re Mitigation of Cumulative Traffic and DrainageEntitled: Impacts Within CSA 87 Dated:August 10. 1999 Evelyn C. Liptrap August 12, 1999 1999-0034464. of Official Records Executed by: Recording Date: Recording No.: Reference is hereby made to said document for full particulars. 17.Easement(s) for the purpose(s) shown below and rights incidental thereto, as delineated on or as offered for dedication on Map/Plat: Recording Date: Recording No.; Purpose; Affects: Autumn Park Subdivision. Phase 1 August 12, 1999 Book 147, at pages 99-102 Storm Drainage purposes APN: 047-260-197-000 18.Dedications, Statements, Notes and Legends as set forth on the map of Autumn Park Subdivision, Phase II, filed for record in the office of the County Recorder on March 30, 2000 in Book 149 of Maos, at pages 67-69, Butte County Records. Reference is hereby made to said map for full particulars. 19.Easement(s) for the purpose(s) shown below and rights incidental thereto as delineated or as offered for dedication, on the map of said tract/plat: Purpose: Affects; Lot "A" Storm Drain easement Southeasterly portion Purpose; Affects: Existing well with 100' radius leachfield free setback Northeasterly portion Purpose; Affects: Approximate limit of flood zone boundaries... As delineated upon said map CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-60222009137 Title No.: FFHO-6022200913A EXCEPTIONS (continued) Purpose: Affects: 100 Year flood plain elevation contour line... As delineated upon said map Purpose: Affects: Autumn Park Drive Southerly 60 feet 20.A building set-back line, as disclosed by said map/plat. Affects: Strips of land 20 feet in width as delineated upon said map 21.The ownership of said Land does not include rights of access to or from the street, highway, or freeway abutting said Land, such rights having been relinquished by said map/plat. Affects: Portions of said land adjacent to State Highway 99 22.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Pacific Gas and Electric Company, a California corporation and Pacific Beil, aGranted to: California corporation Purpose: Recording Date: Recording No.: Affects: Public utility purposes March 7. 2002 2002-0011561 n of Official Records Reference is hereby made to said document for exact location and full particulars Matters contained in that certain document23. Entitled:Grant of Exclusive Easement George R. Nicolaus and Connie J. Nicolaus, as Trustees of the Nicolaus Family TrustExecuted by: 2002 and Evelyn C. Liptrap, Trustee of the Liptrap Revocable Trust Recording Date: Recording No.: July 8, 2010 2010-0022584, of Official Records Reference is hereby made to said document for full particulars. A deed of trust to secure an indebtedness in the amount shown below.24. $201,000.00 April 26, 2012 George R. Nicolaus and Constance Nicolaus, aka Connie Nicolaus, Trustees of the Amount: Dated: Trustor/Grantor Nicolaus Family Trust of 2002, dated May 6, 2002 as amended and restated California Federal Land Bank Association. FLCA, a corporation California Federal Land Bank Association, FLCA, a corporation 2648612 Trustee: Beneficiary: Loan No.: Recording Date: Recording No.: May 2, 2012 2012-0015746. of Official Records Printed; 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-6022200913 CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated 07.10.19 8 Title No.: FFHO-6022200913A EXCEPTIONS (continued) An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document 25. Entitled; Lessor: Lessee: UCC Financing Statement George R. Nicolaus Nicolaus Nut Company, Inc. Recording Date: June 13, 2012 Recording No.: 2012-0021646, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 26.A deed of trust to secure an indebtedness in the amount shown below, $300,000.00 August 23. 2022 George R. Nicolaus and Constance Nicolaus, aka Connie Nicolaus, Trustees of the Nicolaus Family Trust of 2002, dated May 6, 2002 as amended and restated Trustee; Beneficiary; Loan No.: Recording Date: Recording No.: Amount; Dated: Trustor/Grantor Golden State Farm Credit, PCA Golden State Farm Credit, PCA 2754890001 August 26, 2022 2022-0028150. of Official Records The Deed of Trust set forth above is purported to be a “Credit Line" Deed of Trust. Under California Civil Code §2943.1 it is a requirement that the Trustor/Grantor of said Deed of Trust either immediately provide the beneficiary with the “Borrower’s instruction to Suspend and Close Equity Line of Credit’’ or provide a satisfactory subordination of this Deed of Trust to the proposed Deed of Trust to be recorded at closing. 27.Any invalidity or defect in the title of the vestees in the event that the trust referred to herein is invalid or fails to grant sufficient powers to the trustee(s) or in the event there is a lack of compliance with the terms and provisions of the trust instrument. If title is to be insured in the trustee(s) of a trust, (or if their act is to be insured), this Company will require a Trust Certification pursuant to California Probate Code Section 18100.5. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. THE FOLLOWING ITEMS AFFECT BOTH TRACTS: 28.Prior to close of escrow, please contact the Tax Collector's Office to confirm all amounts owing, including current fiscal year taxes, supplemental taxes, escaped assessments and any delinquencies. CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM byBS CA—SPS-1-22-FFHO-60222009139 Title No.: FFHO-6022200913A EXCEPTIONS (continued) Information in the possession of the Company indicates that a division of land has occurred or is contemplated in the current transaction involving the Land described in this report. Such contemplated division of land appears to fall within the guidelines necessitating approval by the City, County or other applicable government agency. As a prerequisite to the issuance of any title insurance under this application, at least one of the following requirements must be accomplished to the Company’s satisfaction: 29. A Final Map has been recorded in compliance with Butte County related ordinances/requirements. Evidence of compliance or waiver from the County of Butte. Other evidence, satisfactory to the Company, indicating compliance or non-violation must be furnished. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. Any claim based on the failure to comply with the provisions of Governmental Laws and Regulations regarding the division of land. 30. 31.The transaction contemplated in connection with this Report is subject to the review and approval of the Company’s Corporate Underwriting Department. The Company reserves the right to add additional items or make further requirements after such review, END OF EXCEPTIONS CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-602220091310 Title No.: FFHO-6022200913A NOTES Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk-Recorder. Note 1. If a county recorder, title insurance company, escrow company, real estate broker, real estate agent or association provides a copy of a declaration, governing document or deed to any person, California law requires that the document provided shall include a statement regarding any unlawful restrictions. Said statement is to be in at least 14-point bold face type and may be stamped on the first page of any document provided or included as a cover page attached to the requested document. Should a party to this transaction request a copy of any document reported herein that fits this category, the statement is to be included in the manner described. Note 2. if this company is requested to disburse funds in connection with this transaction. Chapter 598, Statutes of 1989 mandates hold periods for checks deposited to escrow or sub-escrow accounts. The mandatory hold period for cashier’s checks, certified checks and teller's checks is one business day after the day deposited. Other checks require a hold period of from two to five business days after the day deposited. In the event that the parties to the contemplated transaction wish to record prior to the time that the funds are available for disbursement (and subject to Company approval), the Company will require the prior written consent of the parties. Upon request, a form acceptable to the company authorizing said early recording may be provided to Escrow for execution. Note 3. Wire Transfers There is no mandated hold period for funds deposited by confirmed wire transfer. The Company may disburse such funds the same day. Any documents being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee, an authorized employee of an agent, an authorized employee of the insured lender, or by using Bancserv or other approved third-party service. If the above requirements cannot be met, please call the company at the number provided in this report. Note 4. Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. Note 5. CLTA Preliminary Report Form - Modified (11.17.06) SCA0002402.doc/Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-602220091311 Title No.: FFHO-6022200913A NOTES (continued) The following Exclusion(s) are added to preliminary reports, commitments and will be included as an endorsement in the following policies: Note 6. A. 2006 ALTA Owner’s Policy (06-17-06). 6. Defects, liens, encumbrances, adverse claims, notices, or other matters not appearing in the Public Records but that would be disclosed by an examination of any records maintained by or on behalf of a Tribe or on behalf of its members. B, 2006 ALTA Loan Policy (06-17-06) 8. Defects, liens, encumbrances, adverse claims, notices, or other matters not appearing in the Public Records but that would be disclosed by an examination of any records maintained by or on behalf of a Tribe or on behalf of its members. 9. Any claim of invalidity, unenforceability, or lack of priority of the lien of the Insured Mortgage based on the application of a Tribe's law resulting from the failure of the Insured Mortgage to specify State law as the governing law with respect to the lien of the Insured Mortgage. C. ALTA Homeowner's Policy of Title Insurance (12-02-13) and CLTA Homeowner's Policy of Title Insurance (12-02-13). 10. Defects, liens, encumbrances, adverse claims, notices, or other matters not appearing in the Public Records but that would be disclosed by an examination of any records maintained by or on behalf of a Tribe or on behalf of its members. D. ALTA Expanded Coverage Residential Loan Policy -Assessments Priority (04-02-15). 12. Defects, liens, encumbrances, adverse claims, notices, or other matters not appearing in the Public Records but that would be disclosed by an examination of any records maintained by or on behalf of a Tribe or on behalf of its members. 13. Any claim of invalidity, unenforceability, or lack of priority of the lien of the Insured Mortgage based on the application of a Tribe’s law resulting from the failure of the insured Mortgage to specify State law as the governing law with respect to the lien of the Insured Mortgage. E. CLTA Standard Coverage Policy 1990 (11-09-18). Defects, liens, encumbrances, adverse claims, notices, or other matters not appearing in the public records but that would be disclosed by an examination of any records maintained by or on behalf of a tribe or on behalf of its members. 7. Any claim of invalidity, unenforceability, or lack of priority of the lien of the insured mortgage based on the application of a tribe's law resulting from the failure of the insured mortgage to specify state law as the governing law with respect to the lien of the insured mortgage. 8. END OF NOTES CLTA Preliminary Report Form l Modified (11.17,06) SCA0002402.doc/Updated: 07.10,19 Printed: 11.18.22 @ 02:28 PM by BS CA—SPS-1-22-FFHO-602220091312 RESAFE Inquire before you wire! WIRE FRAUD ALERT This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non-exclusive self-protection strategies are recommended to minimize exposure to possible wire fraud. l NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. l ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster, l USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. l USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature. For more information on wire-fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation: http://www. fbi. Qov Internet Crime Complaint Center: htto://www. ic3. aov Wire Fraud Alert Original Effectiye Date: 5/11/2017 Currer^t Version Date; 5/11/2017 FFHO-6022200913-JH - WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective August 1,2021 Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF," "our," or "we") respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use. and protect personal information, when and to whom we disclose such information, and the choices you have about the use and disclosure of that information. A limited number of FNF subsidiaries have their own privacy notices. If a subsidiary has its own privacy notice, the privacy notice will be available on the subsidiary's website and this Privacy Notice does not apply. 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This information is used to improve our websites. Do Not Track. Currently our FNF Websites do not respond to "Do Not Track" features enabled through your browser. Printed: 11.18.22 @ 02:28 PM by BS CA-FT-FFHO-01510.080602-FFHO-6022200913 Privacy Statement SCA0002402.doc Links to Other Sites. FNF Websites may contain links to unaffiliated third-party websites. FNF is not responsible for the privacy practices or content of those websites. We recommend that you read the privacy policy of every website you visit. Use of Personal Information FNF uses Personal Information for three main purposes; l To provide products and services to you or in connection with a transaction involving you. l To improve our products and services. l To communicate with you about our, our affiliates', and others’ products and services, jointly or independently. 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The law does not require your prior authorization and does not allow you to restrict the disclosures described above. Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such disclosure. We do not otherwise share your Personal Information or Browsing Information with nonaffiliated third parties, except as required or permitted by law. We may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see "Choices with Your Information" to learn how to restrict that sharing. We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. Security of Your Information We maintain physical, electronic, and procedural safeguards to protect your Personal Information. Choices With Your Information If you do not want FNF to share your information among our affiliates to directly market to you, you may send an "opt out" request as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent. Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or products to you. For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parlies, except as permitted by California law. For additional information about your California privacy rights, please visit the "California Privacy" link on our website (https://fnf.com/paaes/californiaprivacv.asDxl or call (888)413-1748. Privacy Statement SCA0002402.doc Printed: 11.18.22 @ 02:28 PM by BS CA-FT-FFHO-01510.080602-FFHO-6022200913 For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888)714-2710 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: BCPINFO@ag.state.nv,us. For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Information From Children The FNF Websites are not intended or designed to attract persons under the age of eighteen (18). We do n^ collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian. International Users FNF's headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection, transfer, and use of such information in accordance with this Privacy Notice. FNF Website Services for Mortgage Loans Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the "Service Websites"). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender's privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender's privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except as required or authorized by contract with the mortgage loan servicer or lender, or as required by law or in the good-faith belief that such disclosure is necessary: to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. Your Consent To This Privacy Notice: Notice Changes By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The Privacy Notice’s effective date will show the last date changes were made. If you provide information to us following any change of the Privacy Notice, that signifies your assent to and acceptance of the changes to the Privacy Notice. Accessing and Correcting Information: Contact Us If you have questions, would like to correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, visit FNF's Opt Out Page or contact us by phone at (888) 714-2710 or by mail to: Fidelity National Financial, Inc. 601 Riverside Avenue, Jacksonville, Florida 32204 Attn: Chief Privacy Officer Printed: 11.18.22 @ 02.28 PM by BS CA-FT-FFHO-01510.080602-FFHO-6022200913 Privacy Statement SCA0002402.doc ATTACHMENT ONE CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY n 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; 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 slate 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 or 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. (c) 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 not shown by the public records. Attachment One (05/06/16) ATTACHMENT ONE (CONTINUED) CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE 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 watenways 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: l 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 1.00% of Policy Amount Shown in Schedule ACovered Risk 16:S 10,000.00 or S2.500.00 (whichever is less) Covered Risk 18:1.00% of Policy Amount Shown in Schedule A S 25,000.00 or $5,000.00 (whichever is less) Covered Risk 19:1.00% of Policy Amount Shown in Schedule A S 25,000.00 or S5.000.00 (whichever is less) 1.00% of Policy Amount Shown in Schedule ACovered Risk 21:$ 5,000.00 or $2,500.00 (whichever is less) Attachment One (06/06/16) ATTACHMENT ONE (CONTINUED) 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, or14); 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,[ t[or TJhis 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 [The above policy fom 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.) 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:) Attachment One (05/06/16) ATTACHMENT ONE (CONTINUED) 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 that arise by reason of: [The above policy fonri 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: (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. 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 maybe asserted by persons in possession of the Land. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 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, (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. Any lien or right to a lien for services, labor or material not shown by the Public Records.] [Variable exceptions such as taxes, easements, CC&R’s, etc., shown here.] 1. 2. 3. 4. 5. 6. 7. Attachment One (05/06/16) ATTACHMENT ONE (CONTINUED) 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, 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; (ill) 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. Attachment One (05/06/16) Notice of Available Discounts Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc. and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer’s right to be charged the filed rate. As such, your transaction may not qualify for the below discounts. You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative. These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount. These discounts only apply to transactions involving services rendered by the FNF Family of Companies. This notice only applies to transactions involving property improved with a one-to-four family residential dwelling. Not all discounts are offered by every FNF Company. The discount will only be applicable to the FNF Company as indicated by the named discount. FNF Underwritten Title Companies CTC - Chicago Title Company CLTC - Commonwealth Land Title Company FNTC - Fidelity National Title Company of California FNTCCA - Fidelity National Title Company of California FNTIC - Fidelity National Title Insurance Company TICOR - Ticor Title Company of California LTC - Lawyer's Title Company SLTC - ServiceLink Title Company Underwritten by FNF Underwriters CTIC - Chicago Title Insurance Company CLTIC - Commonwealth Land Title Insurance Com CTIC - Chicago Title Insurance Company CLTIC - Commonwealth Land Title Insurance Com pany FNTIC - Fidelity National Title Insurance Company pany CTIC - Chicago Title Insurance Company Available Discounts DISASTER LOANS (CTIC, CLTIC, FNTIC) The charge for a Lender's Policy (Standard or Extended coverage) covering the financing or refinancing by an owner of record, within twenty-four (24) months of the date of a declaration of a disaster area by the government of the United States or the State of California on any land located in said area, which was partially or totally destroyed in the disaster, will be fifty percent (50%) of the appropriate title insurance rate. CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (CTIC, FNTIC) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner’s policy shall be fifty percent (50%) to seventy percent (70%) of the appropriate title insurance rate, depending on the type of coverage selected. The charge for a lender’s policy shall be forty percent (40%) to fifty percent (50%) of the appropriate title insurance rate, depending on the type of coverage selected. Notice of Available Discounts SCA0002402.doc / Updated: 07.10.19 Printed: 11.18.22 @ 02:28 PM by BS CA-FT-FFHO-01510.080602-FFHO-6022200913