HomeMy WebLinkAboutPROJ-25-0008 LLA Applicaiton and PlatPreliminary Report Top Sheet
♦ HELP US STAY ON TOP OF YOUR TRANSACTION ♦
IF ANY OF THESE QUESTIONS ARE ANSWERED “YES”, OR IF YOU HAVE QUESTIONS
ABOUT THE BELOW, PLEASE CONTACT YOUR ESCROW OFFICER IMMEDIATELY
Have any of the principals recently filed bankruptcy?
Do any of the principals plan to use a power of attorney?
Are any of the principals going through a divorce? (if so, is there an attorney involved?)
Is anyone currently vested in title deceased? Has a new Tax I.D. Number been
established?
Do any of the principals NOT have a valid photo identification?
Is there construction work in progress or incomplete construction?
o Any construction completed in the last year?
o Any construction completed in the last 4 months?
Is there a mobile or manufactured home on the property?
Are the sellers a non-resident alien or a foreign out of country seller?
Is the property an investment property or not considered seller’s principal residence?
Will a new entity be formed? (i.e. Partnership, LLC, Corporation)
If your principals are currently vested or are taking title in their trust, have bank accounts
been established in the name of the Trust?
Will any of the principals be participating in a 1031 Exchange?
Are any of the principals not able to sign with a Placer Title Company? If so, an approved
notary will be required.
THANK YOU FOR CHOOSING
Placer Title Company
Escrow Number: P-677178
WIRE FRAUD ADVISORY
Parties to a real estate transaction are often targets for wire fraud and financial confidence schemes, unfortunately
with many losing tens or hundreds of thousands of dollars because they relied (without verification) on “revised” or
“new” wire instructions appearing to come from a trusted party to the transaction.
IF YOU INTEND TO WIRE FUNDS IN CONJUNCTION WITH THIS REAL ESTATE TRANSACTION, WE
STRONGLY RECOMMEND THAT YOU VERBALLY VERIFY THOSE INSTRUCTIONS THROUGH A KNOWN,
TRUSTED PHONE NUMBER PRIOR TO SENDING FUNDS.
In addition, the following self-protection strategies are recommended to minimize exposure to possible wire fraud.
•DO NOT RELY on emails purporting to change wire instructions. Placer Title Company will never change its
wire instructions in the course of a transaction. If you receive a random or unsolicited email from anyone requesting funds to be wired, and attaching “new,” “alternate,” “updated,” “revised” and/or “different” wire
instructions, contact your escrow officer immediately (at a verifiable number in the manner noted below) and before wiring any money.
•VERIFY the wire instructions you do receive by calling the party who sent the instructions to you. However, DO
NOT use the phone number provided in the email containing the instructions, and DO NOT send a reply email
to verify, since the email address may be incorrect, fraudulent or being intercepted by the fraudster. Rather, use
phone numbers you have called before and/or can independently verify through other sources (company
website or internet search).
•USE COMPLEX PASSWORDS that are at least ten (10) characters long and contain a combination of mixed case, numbers, and symbols. You should also change your password often and not reuse the same password
for other online accounts.
•ENABLE MULTI-FACTOR AUTHENTICATION for all email accounts. Your email provider may have specific instructions on how to implement this feature.
•CHECK FOR AUTO-FORWARDING on your email account and disable it. This is one of the most “silent” ways
a fraudster can monitor your email account because every email that comes in is automatically forwarded to them, even if you change your password.
This Notice is not intended to provide legal or professional advice, nor is it an exclusive list of self-protection strategies.
Customers are encouraged to always be aware of such schemes, and to contact their escrow officer if ever in doubt.
CLTA Preliminary Report
Page 1 of 30
Order No.: P-677178
Reference:
Escrow Officer: Kristen Tadlock
Email: ktadlock@placertitle.com
Email Loan Docs To: 301edocs@placertitle.com
Proposed Underwriter: First American Title Insurance Company
Property Address: Butte 600 Acre Property, Gridley, CA 95948
PRELIMINARY REPORT
In response to the above referenced application for a policy of title insurance, Placer Title Company hereby reports that
it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the
land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of
any defect, lien or encumbrance not shown or referred to as an Exception below or not excluded from coverage
pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms.
The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said Policy or Policies are
set forth in Attachment One. The policy to be issued may contain an arbitration clause. When the Amount of Insurance
is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the
Company or the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CLTA and
ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of
Liability for certain coverages are also set forth in Attachment One. Copies of the policy forms should be read. They are
available from the office which issued this report.
Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Attachment One
of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not
covered under the terms of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and may
not list all liens, defects, and encumbrances affecting title to the land.
This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a
policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance
of a policy of title insurance, a Binder or Commitment should be requested.
Dated: August 15, 2025 at 7:30AM
Title Officer: Eric Seastrom
Placer Title Company
30 West Main St., Ste. A
Woodland, CA 95695
Phone: (530)666-1213
Fax: (530) 666-2670
CLTA Preliminary Report
Page 2 of 30
Order Number: P-677178
The form of policy of title insurance contemplated by this report is:
2021 ALTA Standard Owners Policy
2021 ALTA Extended Loan Policy
The estate or interest in the land hereinafter described or referred to covered by this report is:
Fee Simple
Title to said estate or interest at the date hereof is vested in:
Clinton M. Moffitt and Gail T. Moffitt, Trustees of the Clinton and Gail Moffitt Trust, June 27, 2000, as
to an undivided 25% interest
Blain R. Moffitt and Jenna R. Moffitt, Trustees of the Blain and Jenna Moffitt Trust, as to an undivided
25% interest
Ravinder Singh Thiara and Sureena Shalini Bains Thiara, Trustees of the Thiara Family Trust dated
1/8/2016, as to an undivided 25% interest
Jinder Thiara, Trustee of the Thiara Investment Trust dated September 14, 2021, as to an undivided
25% interest
The land referred to in this report is described as follows:
See Exhibit “A” Attached for Legal Description
CLTA Preliminary Report
Page 3 of 30
Order Number: P-677178
Exhibit “A”
Legal Description
The land described herein is situated in the State of California, County of Butte, unincorporated area, described
as follows:
PARCEL 1:
All that certain real property situate in Sections 20 and 29, Township 18 North, Range 3 East, Mount Diablo Base
and Meridian, in the County of Butte, State of California, described as follows:
A portion of that certain parcel of land conveyed by Charles W. Reed to David S. Edwards, as recorded April 16,
1906, in Book 95 of Deeds, at Page 26, Butte County Records and being more particularly described as follows:
A strip of land 80 feet in width, being 40 feet on each side of and parallel with the located center line of the
Northern Electric Company's line of railroad, said center line being described as follows:
Commencing at the Northeast corner of Lot No. 1, Gridley Colony No. 3, according to the Map thereof filed for
record December 9, 1905, in Map Book 4, at Page 47, Butte County Records, said point of commencement also
being a point on the South line of the County road which runs East and West between the lands now or formerly
owned by Charles W. Reed and the lands now or formerly owned by the Sacramento Valley Bank, in Section 16,
Township 18 North, Range 3 East, Mount Diablo Base and Meridian, at Engineers Station G11-365+53 of said
Northern Electric Company's line of railroad; thence from said point of commencement, South 7° 42' West, 2547
feet to Engineers Station G11-391+00, said Station being a point on the Southerly line of that certain parcel of
land conveyed by the Sacramento Northern Railway to Lewis E. Reynolds, et al, as recorded August 10, 1972, in
Book 1776, at Page 346, Official Records of Butte County Recorder's Serial No. 3841; said point being the point of
beginning of the center line to be described; thence from said point of beginning, continuing South 7° 42' West,
4841.53 feet to Engineers Station G11-439+41.53 B.C.; thence on a 2° tangent curve to the right, 174.47 feet to
Engineers Station G11-441+16, being a point on the division line between the land of C. W. Reed and the land
now or formerly owned by M. Reyman, in Section 29, Township 18 North, Range 3 East, M.D.B. & M., and being
1514 feet West along said division line from the Westerly side of the County Road and the end of said centerline.
Excepting therefrom all minerals, oil, gas and other hydrocarbon substances below a depth of 500 feet and all
geothermal rights below a depth of 250 feet without the right of surface entry.
APN: 025-080-038-000
PARCEL 2:
Beginning at an iron pin in the center of the Marysville and Hamilton Road, being the Northwest corner of lands
formerly occupied by J. M. Henshaw and Brothers, as recorded in Deed of dated June 6, 1871 from George R.
Bissell to Max Brooks and also being the Northeast corner of the Fred Hazelbusch Ranch; running thence
magnetic Meridian South 13° 36' East in center of said road, 1000 feet to wooden plug 28 9/10 feet East of
Hazelbusch line fence; thence South 9° 97' East in center of said road, 2150 00 feet to wooden plug. 19 feet East
of aforesaid fence; thence South 5° 47' East in center of said road, 1,640 and 5/10 feet to wooden plug, 33 5/10
feet East of aforesaid fence; thence South 19° 12' East in center of said road 679 feet to wooden plug 13 5/10
feet East of aforesaid fence; thence South 5° 42' East in center of said road 2,140 and 5/10 feet to a rock 7 x 4 x 2
and a brick sunk in the ground 1 foot; the said rock being in the Southeast corner of Fred Hazelbusch's Ranch and
CLTA Preliminary Report
Page 4 of 30
in the Southwest corner of lands of Dave Biggs; thence South 72° 14' West on line dividing the Hazelbusch and
Reyman Ranches 4,283 feet to an iron stake; thence magnetic variation 17° 45' East, West along line of fence
787 and 7/10 feet to a stake; thence North across an open field 3,738 feet to a stake; thence South 89° 28' East
2,816 feet to a stake from which an oak four feet in diameter bears West 210 feet and an iron pin (an old corner
pin) bears South 50° West 15 feet distant; thence North 50° East 1,854 and 4/10 feet to an iron stake from which
an oak five feet in diameter bears South 85° West 54 feet distant; thence magnetic meridian North 9° 1' West
2,630 and 9/10 feet to an iron stake, 10 and 2/10 feet North of fence; thence North 72° 29' East 1,577 and 2/10
feet on a line dividing Hazelbusch's Ranch from Rio Bonito Colony Ranch to the point of beginning, according to
the Official Map made by B. L. McCoy, September 29, 1893.
Excepting therefrom all that portion lying Westerly of the Easterly boundary line of the Northern Electric
Company's line of railroad, the centerline of which is described as follows:
Beginning at a point on the South side of the County Road which runs East and West between the land of C. W.
Reed and the land now or formerly owned by The Sacramento Valley Bank situated in Section 16, Township 18
North, Range 3 East, M.D.B. & M. in the Fernandez Grant in the County of Butte, State of California, said point
being East 40 and 4/10 feet along said road from the division line between the land now or formerly owned by
the California Irrigated Land Company and at Engr. Sta. G11-365 plus 53 of the Northern Electric Company's
Survey; thence South 7° 38 West 40 feet Easterly from and parallel to said division line 7,388 and 53/100 feet to
Engr. Sta. G11-439 plus 41.53 B.C.; thence on a 2° tangent curve to the right, 174 and 47/100 feet to Engr. Sta.
G11-441 plus 16, being a point on the division line between the land of C. W. Reed and the land now or formerly
owned by M. Reyman in Section 29, Township 18 North, Range 3 East M.D.B.& M. and 1,514 feet West along
said division line from the Western side of the County Road, as conveyed by Charles Wesley Reed to David S.
Edwards by Deed dated April 16, 190 6 and recorded April 16, 1906 in Liber 95 of Deeds, at Page 26, Butte
County Records.
Also excepting therefrom a strip of land about 40 feet in width along the North boundary for road purposes.
APN: 025-080-067-000
PARCEL 3:
A portion of the Rancho Fernandez situate in projected Sections 17, 20, and 29, Township 18 North, Range 3
East, M.D.B. & M., more particularly described as follows:
Beginning at an iron pin in the center of the Marysville and Hamilton Road, being the Northwest corner of lands
formerly occupied by J. M. Henshaw and Brothers, as recorded in that certain deed dated June 6, 1871 from
George R. Bissell to Max Brooks, and also being the Northeast corner of the Fred Hazelbusch Ranch; thence
running magnetic Meridian South 13° 36' East in the center of said road, 1000.0 feet to a wooden plug 28 9/10
feet East of Hazelbusch fence line; thence South 9° 37' East in the center of said road, 2150 feet to a wooden
plug 19 feet East of aforesaid fence; thence South 5° 47' East, in the center of said road, 1640 5/10 feet to a
wooden plug, 33 5/10 feet East of aforesaid fence; thence South 19° 12 East, in the center of said road, 679 feet
to a wooden plug, 13 5/10 feet East of aforesaid fence; thence South 5° 42' East, in the center of Said road. 2140
5/10 feet to a rock 7x4 x.2 and a brick sunk in the ground 1 foot, said rock being in the Southeast corner of Fred
Hazelbusch's Ranch and in the Southwest corner of lands of Dave Biggs; thence South 72° 14' West, on the line
dividing the Hazelbusch and Reyman Ranches, 4283 feet to an iron stake, thence Magnetic variation 17° 45"
East, West along the line of fence, 787 7/10 feet to a stake; thence North across an open field, 3738 feet to a
stake; thence South 89° 28' East, 2816 feet to a stake from which an oak four feet in diameter bears West 210
feet an iron pin (an old corner pin) bears South 50° West, 15 feet distant; thence North 50° East, 1854 4/10 feet
to an iron stake from which an oak five feet in diameter bears South 85° west, 54 feet distant; thence Magnetic
Meridian North 9° 1' West, 2630 9/10 feet to an iron stake 10 2/10 feet North of a fence; thence North 72° 29'
CLTA Preliminary Report
Page 5 of 30
East, 1577 2/10 feet on a line dividing Hazelbusch‘s Ranch from Rio Bonito Colony Ranch to the point of
beginning according to the Official Map made by B. L. McCoy, September 29, 1893.
Excepting therefrom a strip of land off of the West side of the land owned by C. W. Reed in Sections 20 and 29,
in Township 18 North, Range 3 East, M.D.B. & M., in said county, sufficiently wide to construct the canal of a
width of 60 feet on the bottom with a sufficient slope to be determined by the engineer of the Grantee, together
with the right to deposit all materials excavated from said canal on the land adjacent thereto, as conveyed by C.
W. Reed to the Butte Canal Company, a corporation, by Deed dated September 10, 1904 and recorded
September 14, 1904 in Liber 74 of Deeds, at Page 322, records of Butte County, California.
Also excepting therefore all that portion thereof lying Easterly of the Westerly boundary line of the Northern
Electric Company's line of railroad, the centerline of which is described as follows:
Beginning at a point on the South side of the County Road which runs East and West between the land of C. W.
Reed and the land now or formerly owned by The Sacramento Valley Bank situated in Section 16, Township 18
North, Range 3 East, M.D.B. & M. in the Fernandez Grant in the County of Butte, State of California, said point
being East 40 and 4/10 feet along said road from the division line between the land now or formerly owned by
the California Irrigated Land Company and at Engr. Sta. G11-365 plus 53 of the Northern Electric Company's
Survey; thence South 7° 38’24” West 40 feet Easterly from and parallel to said division line 7,388 and 53/100
feet to Engr. Sta. G11-439 plus 41.53 B.C.; thence on a 2° tangent curve to the right, 174 and 47/100 feet to Engr.
Sta. G11-441 plus 16, being a point on the division line between the land of C. W. Reed and the land now or
formerly owned by M. Reyman in Section 29, Township 18 North, Range 3 East M.D.B.& M. and 1,514 feet West
along said division line from the Western side of the County Road, containing 13.89 acre; more or less as
conveyed by Charles Wesley Reed to David S. Edwards by Deed dated April 16, 1906 and recorded April 16, 1906
in Liber 95 of Deeds, at Page 26, Butte County Records.
APN: 025-080-054-000 & 025-080-068-000
CLTA Preliminary Report
Page 6 of 30
Order Number: P-677178
EXCEPTIONS
At the date hereof, exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form would
be as follows:
1. Taxes, special and general, assessment districts and service areas for the fiscal year 2025-2026, a lien not yet
due or payable.
2. 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.
3. Any taxes or assessments levied by:
A. Sacramento and San Joaquin Drainage District
B. Drainage District No. 1 of Butte County
C. Butte Water District
D. Sutter-Butte Flood Control Agency Assessment District
NOTE: (For proration purposes only)
Taxes, special and general, assessment districts and service areas for the Fiscal Year 2024-2025:
1st Installment: $11,118.97 PAID
2nd Installment: $11,118.97 PAID
Parcel Number: 025-080-054-000
Code Area: 057-033
Land Value: $1,526,177.00
Improvements: $303,144.00
Exemption: $0.00
NOTE: (For proration purposes only)
Taxes, special and general, assessment districts and service areas for the Fiscal Year 2024-2025:
1st Installment: $16,605.97 PAID
2nd Installment: $16,605.97 PAID
Parcel Number: 025-080-067-000
Code Area: 057-012
Land Value: $1,508,209.00
Improvements: $1,562,271.00
Exemption: $0.00
NOTE: (For proration purposes only)
Taxes, special and general, assessment districts and service areas for the Fiscal Year 2024-2025:
1st Installment: $800.08 PAID
2nd Installment: $800.08 PAID
CLTA Preliminary Report
Page 7 of 30
Parcel Number: 025-080-068-000
Code Area: 057-012
Land Value: $78,344.00
Improvements: $64,005.00
Exemption: $0.00
NOTE: (For proration purposes only)
Taxes, special and general, assessment districts and service areas for the Fiscal Year 2024-2025:
1st Installment: $62.09 PAID
2nd Installment: $62.09 PAID
Parcel Number: 025-080-038-000
Code Area: 057-012
Land Value: $5,980.00
Improvements: $0.00
Exemption: $0.00
4. Riparian or water rights, claims, or title to water whether or not shown by the Public Records.
5. Rights of the public and of the County of Butte, as to that portion of the herein described property lying within
Larkin Road and Watson Road, a public road.
6. An easement over said land for a line of poles and incidental purposes in favor of Pacific Gas and Electric
Company, in deed recorded January 6, 1928, Book 19, Page 82, Official Records.
Affects: a portion of said property
No representation is made as to the current ownership of said easement.
7. Any rights, easements, interests or claims that may exist or arise by reason of, or reflected by, recitals shown or
noted upon a filed map, as follows:
Map Entitled: Official Map of the Ord Rancho and the Boyles Ranch
Filed On: March 22, 1928 in Book 8 of Maps, at Page 24A
Document Link
8. An easement over said land for a line of poles and incidental purposes in favor of Pacific Gas and Electric
Company, in deed recorded January 28, 1963, Book 1224, Page 128, Official Records.
Affects: a portion of Parcel 3
No representation is made as to the current ownership of said easement.
9. An agreement pursuant to the California Land Conservation Act of 1965, placing the herein described property
within an Agricultural Preserve, executed by the County of Butte and Jack Dennis Mariani, et al , recorded
February 9, 1984, Book 2914, Page 284, Official Records.
Affects Parcel 3
10. An agreement pursuant to the California Land Conservation Act of 1965, placing the herein described property
within an Agricultural Preserve, executed by the County of Butte and Jack Norman Mariani, et al , recorded
CLTA Preliminary Report
Page 8 of 30
February 29, 1984, Book 2914, Page 533, Official Records.
Affects Parcel 2
11. The terms, conditions, provisions and stipulations as contained in the agreement entitled "Grant of Easement",
by and between Louis J. Mariani Corporation, et al, and M. & L. Fruit Company, Inc., et al, recorded December
10, 2019, (instrument) 2019-0053372, Official Records.
Said document also contains an easement for vehicular and pedestrian access, ingress and egress. The exact
location and extent of said easement is not disclosed of record.
12. The terms, conditions, provisions and stipulations as contained in the agreement entitled "Grant of Water
System Easement", by and between Martin A. Mariani, Trustee of the Louis J. Jr and Rose E. Mariani 1993
Children's Trust, et al, and Louis J. Mariani Corporation, et al, recorded December 10, 2019, (instrument) 2019-
0053373, Official Records.
Said document also contains an easement for a water system.
13. Deed of Trust to secure an indebtedness of $5,715,450.00, dated August 8, 2025, recorded August 15, 2025,
(instrument) 2025-0021734, Official Records.
Trustor: Clinton M. Moffitt and Gail T. Moffitt, Trustees of the Clinton and Gail Moffitt Trust,
June 27, 2000, as to an undivided 25% interest and Blain R. Moffitt and Jenna R. Moffitt, Trustees of the Blain
and Jenna Moffitt Trust, as to an undivided 25% interest and Ravinder Singh Thiara and Sureena Shalini Bains
Thiara, Trustees of the Thiara Family Trust dated 1/8/2016, as to an undivided 25% interest and Jinder Thiara,
Trustee of the Thiara Investment Trust dated September 14, 2021, as to an undivided 25% interest
Trustee: AgWest Farm Credit, PCA
Beneficiary: AgWest Farm Credit, PCA
Loan No.: (None Shown)
14. Rights of tenants in possession, including any unrecorded leases and/or subleases affecting the herein described
property.
************************* SPECIAL INFORMATION *************************
*** CHAIN OF TITLE REPORT:
According to the public records, no deeds conveying the property described in this report have been recorded
within a period of 2 years prior to the date of this report, except as shown herein:
Grant Deed from Matthew Mariani, Trustee et al, to Butte Pacific Orchards LLC, a California limited liability
company, recorded August 15, 2025, (instrument) 2025-0021728, Butte County, Official Records.
Grant Deed from Butte Pacific Orchards LLC, a California limited liability company, to Clinton M. Moffitt and Gail
T. Moffitt, Trustees of the Clinton and Gail Moffitt Trust, June 27, 2000, as to an undivided 25% interest and
Blain R. Moffitt and Jenna R. Moffitt, Trustees of the Blain and Jenna Moffitt Trust, as to an undivided 25%
interest and Ravinder Singh Thiara and Sureena Shalini Bains Thiara, Trustees of the Thiara Family Trust dated
1/8/2016, as to an undivided 25% interest and Jinder Thiara, Trustee of the Thiara Investment Trust dated
September 14, 2021, as to an undivided 25% interest, recorded August 15, 2025, (instrument) 2025-0021733,
Butte County, Official Records.
CLTA Preliminary Report
Page 9 of 30
*** NOTICE REGARDING MAPS
Any maps provided herewith are for reference only. The property and/or easements shown are but
approximations, and no assurances are given as to accuracy, reliability, dimensions or acreage. This will not limit
the coverage provided by a CLTA 116, 116.1 or 116.03 endorsement if issued to the policy.
*** NOTICE REGARDING FUNDS DEPOSITED IN ESCROW:
IMPORTANT NOTICE- ACCEPTABLE TYPE OF FUNDS
Please be advised that in accordance with the provisions of the California Insurance Code, Section 12413.1, any
funds deposited for the closing must be deposited into the escrow depository and cleared prior to
disbursement. Funds deposited by wire transfer may be disbursed upon receipt. Funds deposited via cashier’s
checks drawn on a California based bank may be disbursed the next business day. If funds are deposited with
the Company by other methods, recording and/or disbursement may be delayed.
IMPORTANT NOTE: PLEASE BE ADVISED THAT ESCROW HOLDER DOES NOT ACCEPT CASH, MONEY ORDERS, ACH
TRANSFERS, OR FOREIGN CHECKS.
PLEASE CONTACT ESCROW REGARDING QUESTIONS ON TYPE OF FUNDS REQUIRED IN ORDER TO FACILITATE
THE PROMPT CLOSING OF THIS TRANSACTION.
CLTA Preliminary Report
Page 10 of 30
*** DISCLOSURE OF DISCOUNTS ***
You may be entitled to a discount on your title premiums and/or escrow fees if you meet any of the
following conditions:
1. You are an employee of the title insurer or Placer Title Company and the property is your
primary residence; or
2. The transaction is a loan, the purpose of which is to rebuild the improvements on the property
as a result of a governmentally declared disaster; or
3. The property is being purchased or encumbered by a religious, charitable or nonprofit
organization for its use within the normal activities for which such entity was intended.
Please advise the company if you believe any of the above discounts apply.
*** LENDER'S NOTE ***
In accordance with Executive Order 13224, and the USA Patriot Act, PLACER TITLE
COMPANY compares the names of parties to the proposed transaction to the Specially
Designated Nationals and Blocked Persons (SDN List) maintained by the United States
Office of Foreign Asset Control.
*** BUYER'S NOTE ***
If an ALTA Residential Owner's Policy is requested and if the property described herein is
determined to be eligible for this policy, the following Exceptions From Coverage will appear in
the policy:
1. Taxes or assessments which are not shown as liens by the public records or by the
records of any taxing authority.
2. (a) Water rights, claims or title to water; (b) reservations or exceptions in patents or in
Acts authorizing the issuance thereof; (c) unpatented mining claims; whether or not the
matters exception under (a), (b) or (c) are shown by the public records.
3. Any rights, interest or claims of parties in possession of the land which are not shown by
the public records.
4. Any easements or liens not shown by the public records. This exception does not limit the
lien coverage in Item 8 of the Covered Title Risks.
5. Any facts about the land which a correct survey would disclose and which are not shown
by the public records. This exception does not limit the forced removal coverage in Item
12 of the Covered Title Risks.
CLTA Preliminary Report
Page 11 of 30
CLTA PRELIMINARY REPORT FORM
Attachment One (Rev 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.
CLTA Preliminary Report
Page 12 of 30
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.
CALIFORNIA LAND TITLE ASSOCIATION
STANDARD COVERAGE OWNER’S POLICY (02-04-22)
EXCLUSIONS FROM COVERAGE
The following matters are 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) that
restricts, regulates, prohibits, or relates to:
i. the occupancy, use, or enjoyment of the Land; ii. the character, dimensions, or location of any improvement on the
Land; iii. the subdivision of land; or iv. environmental remediation or protection.
b. any governmental forfeiture, police, regulatory, or national security power.
c. the effect of a violation or enforcement of any matter excluded under Exclusion 1.a. or 1.b. Exclusion 1 does not
modify or limit the coverage provided under Covered Risk 5 or 6.
2. Any power of eminent domain. Exclusion 2 does not modify or limit the coverage provided under Covered Risk 7.
3. Any defect, lien, encumbrance, adverse claim, or other matter:
a. created, suffered, assumed, or agreed to by the Insured Claimant;
b. not Known to the Company, not recorded in the Public Records at the 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 the Date of Policy (Exclusion 3.d. does not modify or limit the coverage provided
under Covered Risk 9 or 10); or
e. resulting in loss or damage that would not have been sustained if consideration sufficient to qualify the Insured
named in Schedule A as a bona fide purchaser had been given for the Title at the Date of Policy.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights law, that the
transaction vesting the Title as shown in Schedule A is a:
a. fraudulent conveyance or fraudulent transfer;
b. voidable transfer under the Uniform Voidable Transactions Act; or
c. preferential transfer:
i. to the extent the instrument of transfer vesting the Title as shown in Schedule A is not a transfer made as a
contemporaneous exchange for new value; or ii. for any other reason not stated in Covered Risk 9.b.
5. Any claim of a PACA-PSA Trust. Exclusion 5 does not modify or limit the coverage provided under Covered Risk 8.
6. Any lien on the Title for real estate taxes or assessments imposed or collected by a governmental authority that
becomes due and payable after the Date of Policy. Exclusion 6 does not modify or limit the coverage provided under
Covered Risk 2.b.
7. Any discrepancy in the quantity of the area, square footage, or acreage of the Land or of any improvement to the
Land.
EXCEPTIONS FROM COVERAGE
Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This policy
treats any Discriminatory Covenant in a document referenced in Schedule B as if each Discriminatory Covenant is
redacted, repudiated, removed, and not republished or recirculated. Only the remaining provisions of the document
are excepted from coverage.
CLTA Preliminary Report
Page 13 of 30
This policy does not insure against loss or damage and the Company will not pay costs, attorneys’ fees, or
expenses resulting from the terms and conditions of any lease or easement identified in Schedule A, and the following
matters:
PART I
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 at Date of Policy but that could be (a)
ascertained by an inspection of the Land, or (b) asserted by persons or parties in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records at Date of Policy.
4. Any encroachment, encumbrance, violation, variation, easement, 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 at Date of
Policy.
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, material or equipment unless such lien is shown by the Public Records at
Date of Policy.
7. Any claim to (a) ownership of or rights to minerals and similar substances, including but not limited to ores, metals,
coal, lignite, oil, gas, uranium, clay, rock, sand, and gravel located in, on, or under the Land or produced from the Land,
whether such ownership or rights arise by lease, grant, exception, conveyance, reservation, or otherwise; and (b) any
rights, privileges, immunities, rights of way, and easements associated therewith or appurtenant thereto, whether or
not the interests or rights excepted in (a) or (b) appear in the Public Records or are shown in Schedule B.
PART II
(Variable exceptions such as taxes, easements, CC&R’s, etc., are inserted here)
CLTA/ALTA HOMEOWNER’S POLICY OF TITLE INSURANCE (07-01-2021)
EXCLUSIONS FROM COVERAGE
The following matters are excluded from the coverage of this policy and We 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) that
restricts, regulates, prohibits, or relates to: i. the occupancy, use, or enjoyment of the Land; ii. the character,
dimensions, or location of any improvement on the Land; iii. the subdivision of land; or iv. environmental remediation or
protection.
b. any governmental forfeiture, police, or regulatory, or national security power.
c. the effect of a violation or enforcement of any matter excluded under Exclusion 1.a. or 1.b.
Exclusion 1 does not modify or limit the coverage provided under Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23, or 27.
2. Any power to take the Land by condemnation. Exclusion 2 does not modify or limit the coverage provided under
Covered Risk 17.
3. Any defect, lien, encumbrance, adverse claim, or other matter:
a. created, suffered, assumed, or agreed to by You;
b. not Known to Us, not recorded in the Public Records at the Date of Policy, but Known to You and not disclosed in
writing to Us by You prior to the date You became an Insured under this policy;
c. resulting in no loss or damage to You;
d. attaching or created subsequent to the Date of Policy (Exclusion 3.d. does not modify or limit the coverage provided
under Covered Risk 5, 8.f., 25, 26, 27, 28, or 32); or
CLTA Preliminary Report
Page 14 of 30
e. resulting in loss or damage that would not have been sustained if You paid consideration sufficient to qualify You as a
bona fide purchaser of the Title at the Date of Policy.
4. Lack of a right:
a. to any land outside the area specifically described and referred to in Item 3 of Schedule A; and
b. in any street, road, avenue, alley, lane, right-of-way, body of water, or waterway that abut the Land.
Exclusion 4 does not modify or limit the coverage provided under Covered Risk 11 or 21.
5. The failure of Your existing structures, or any portion of Your existing structures, to have been constructed before,
on, or after the Date of Policy in accordance with applicable building codes. Exclusion 5 does not modify or limit the
coverage provided under Covered Risk 14 or 15.
6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights law, that the
transfer of the Title to You is a:
a. fraudulent conveyance or fraudulent transfer;
b. voidable transfer under the Uniform Voidable Transactions Act; or
c. preferential transfer: i. to the extent the instrument of transfer vesting the Title as shown in Schedule A is not a
transfer made as a contemporaneous exchange for new value; or ii. for any other reason not stated in Covered Risk 30.
7. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
8. Negligence by a person or an entity exercising a right to extract or develop oil, gas, minerals, groundwater, or any
other subsurface substance.
9. Any lien on Your Title for real estate taxes or assessments imposed or collected by a governmental authority that
becomes due and payable after the Date of Policy. Exclusion 9 does not modify or limit the coverage provided under
Covered Risk 8.a. or 27.
10. Any discrepancy in the quantity of the area, square footage, or acreage of the Land or of any improvement to the
Land.
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)
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:
CLTA Preliminary Report
Page 15 of 30
1. Governmental police power, and the existence or violation of those portions of any law or government regulation
concerning:
a. building;
b. zoning;
c. land use;
d. improvements on the Land;
e. land division; and
f. environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building
codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17.
4. Risks:
a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records;
b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy
Date;
c. that result in no loss to You; or
d. that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or
28.
5. Failure to pay value for Your Title.
6. Lack of a right:
a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and
b. in streets, alleys, or waterways that touch the Land.
This Exclusion does not limit the coverage described in Covered Risk 11 or 21.
7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under
federal bankruptcy, state insolvency, or similar creditors’ rights laws.
8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence.
9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances.
LIMITATIONS ON COVERED RISKS
Your insurance for the following Covered Risks is limited on the Owner’s Coverage Statement as follows:
For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in
Schedule A.
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)
CLTA Preliminary Report
Page 16 of 30
ALTA OWNER’S POLICY (07-01-2021)
EXCLUSIONS FROM COVERAGE
The following matters are 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) that
restricts, regulates, prohibits, or relates to: i. the occupancy, use, or enjoyment of the Land; ii. the character,
dimensions, or location of any improvement on the Land; iii. the subdivision of land; or iv. environmental remediation or
protection.
b. any governmental forfeiture, police, regulatory, or national security power.
c. the effect of a violation or enforcement of any matter excluded under Exclusion 1.a. or 1.b.
Exclusion 1 does not modify or limit the coverage provided under Covered Risk 5 or 6.
2. Any power of eminent domain. Exclusion 2 does not modify or limit the coverage provided under Covered Risk 7.
3. Any defect, lien, encumbrance, adverse claim, or other matter:
a. created, suffered, assumed, or agreed to by the Insured Claimant;
b. not Known to the Company, not recorded in the Public Records at the 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 the Date of Policy (Exclusion 3.d. does not modify or limit the coverage provided
under Covered Risk 9 or 10); or
e. resulting in loss or damage that would not have been sustained if consideration sufficient to qualify the Insured
named in Schedule A as a bona fide purchaser had been given for the Title at the Date of Policy.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights law, that the
transaction vesting the Title as shown in Schedule A is a:
a. fraudulent conveyance or fraudulent transfer;
b. voidable transfer under the Uniform Voidable Transactions Act; or
c. preferential transfer: i. to the extent the instrument of transfer vesting the Title as shown in Schedule A is not a
transfer made as a contemporaneous exchange for new value; or ii. for any other reason not stated in Covered Risk 9.b.
5. Any claim of a PACA-PSA Trust. Exclusion 5 does not modify or limit the coverage provided under Covered Risk 8.
6. Any lien on the Title for real estate taxes or assessments imposed or collected by a governmental authority that
becomes due and payable after the Date of Policy. Exclusion 6 does not modify or limit the coverage provided under
Covered Risk 2.b.
7. Any discrepancy in the quantity of the area, square footage, or acreage of the Land or of any improvement to the
Land.
EXCEPTIONS FROM COVERAGE
Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This policy
treats any Discriminatory Covenant in a document referenced in Schedule B as if each Discriminatory Covenant is
redacted, repudiated, removed, and not republished or recirculated. Only the remaining provisions of the document
are excepted from coverage.
This policy does not insure against loss or damage and the Company will not pay costs, attorneys’ fees, or expenses
resulting from the terms and conditions of any lease or easement identified in Schedule A, and the following matters:
NOTE: The 2021 ALTA Owner’s Policy may be issued to afford either Standard Coverage or Extended Coverage. In
addition to variable exceptions such as taxes, easements, CC&R’s, etc., the Exceptions from Coverage in a Standard
Coverage policy will also include the Western Regional Standard Coverage Exceptions listed as 1 through 7 below:
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
CLTA Preliminary Report
Page 17 of 30
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 at Date of Policy but that could be (a)
ascertained by an inspection of the Land or (b) asserted by persons or parties in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records at Date of Policy.
4. Any encroachment, encumbrance, violation, variation, easement, 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 at Date of
Policy.
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, material or equipment unless such lien is shown by the Public Records at
Date of Policy.
7. Any claim to (a) ownership of or rights to minerals and similar substances, including but not limited to ores, metals,
coal, lignite, oil, gas, uranium, clay, rock, sand, and gravel located in, on, or under the Land or produced from the Land,
whether such ownership or rights arise by lease, grant, exception, conveyance, reservation, or otherwise; and (b) any
rights, privileges, immunities, rights of way, and easements associated therewith or appurtenant thereto, whether or
not the interests or rights excepted in (a) or (b) appear in the Public Records or are shown in Schedule B
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.
CLTA Preliminary Report
Page 18 of 30
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:
NOTE: The 2006 ALTA Owner’s Policy may be issued to afford either Standard Coverage or Extended Coverage. In
addition to variable exceptions such as taxes, easements, CC&R’s, etc., the Exceptions from Coverage in a Standard
Coverage policy will also include the Western Regional Standard Coverage Exceptions listed below as 1 through 7 below:
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 at Date of Policy but that could be (a)
ascertained by an inspection of the Land, or (b) asserted by persons or parties in possession of the Land.
3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records at Date of Policy.
4. Any encroachment, encumbrance, violation, variation, easement, 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 at Date of
Policy.
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, material or equipment unless such lien is shown by the Public Records at
Date of Policy.
7. Any claim to (a) ownership of or rights to minerals and similar substances, including but not limited to ores, metals,
coal, lignite, oil, gas, uranium, clay, rock, sand, and gravel located in, on, or under the Land or produced from the Land,
whether such ownership or rights arise by lease, grant, exception, conveyance, reservation, or otherwise; and (b) any
rights, privileges, immunities, rights of way, and easements associated therewith or appurtenant thereto, whether or
not the interests or rights excepted in (a) or (b) appear in the Public Records or are shown in Schedule B.
CLTA Preliminary Report
Page 19 of 30
NOTICE
FEDERAL FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980 (FIRPTA)
Upon the sale of United States real property, by a non-resident alien, foreign corporation, partnership or trust, the Foreign Investment in Real
Property Tax Act of 1980 (FIRPTA), and as revised by the Tax Reform Act of 1984 (26 USCA 897 (C)(1)(A)(1) and 26 USCA 1445), Revised by the Path
Act of 2015, These changes may be reviewed in full in H.R. 2029, now known as Public Law 114-113. See Section 324 of the law for the full text of
FIRPTA changes. Effective February 27, 2016, the amendments to FIRPTA contained in the PATH Act have increased the holdback rate from 10% of
gross proceeds to 15% of gross proceeds of the sale, regardless of whether the actual tax due may exceed (or be less than) the amount withheld if
ANY of the following conditions are met:
1. If the amount realized (generally the sales price) is $300,000 or less, and the property will be used by the Transferee as a residence (as provided
for in the current regulations), no monies need be withheld or remitted to the IRS.
2. If the amount realized exceeds $300,000 but does not exceed $1,000,000, and the property will be used by the Transferee as a residence, (as
provided for in the current regulations) then the withholding rate is 10% on the full amount realized (generally the sales prices)
3. If the amount realized exceeds $1,000,000, then the withholding rate is 15% on the entire amount, regardless of use by the Transferee. The
exemption for personal use as a residence does not apply in this scenario.
If the purchaser who is required to withhold income tax from the seller fails to do so, the purchaser is subject to fines and penalties as provided
under Internal Revenue Code Section 1445.
Escrow Holder will, upon written instructions from the purchaser, withhold Federal Income Tax from the seller and will deposit said tax with the
Internal Revenue Service, together with IRS Forms 8288 and 8288-A. The fee charged for this service is $45.00 payable to the escrow holder.
CALIFORNIA WITHHOLDING
In accordance with Sections 18662 and 18668 of the Revenue and Taxation Code, a transferee (Buyer) may be required to withhold an amount
equal to 3 1/3 percent of the sales price or an alternative withholding amount certified to by the seller in the case of a disposition of California real
property interest by either:
1. A seller who is an individual or when the disbursement instructions authorize the proceeds to be sent to a financial intermediary or the seller,
OR
2. A corporate seller that has no permanent place of business in California.
The buyer may become subject to penalty for failure to withhold an amount equal to the greater of 10 percent of the amount required to be
withheld or five hundred dollars ($500).
However, notwithstanding any other provision included in the California statutes referenced above, no buyer will be required to withhold any
amount or be subject to penalty for failure to withhold if:
1. The sales price of the California real property conveyed does not exceed one hundred thousand dollars ($100,000.00), OR
2. The seller executes a written certificate, under the penalty of perjury, of any of the following:
a. The property qualifies as the seller's (or decedent's, if being sold by the decedent's estate) principal residence within the meaning of
Internal Revenue Code (IRC) Section 121; or
b. The seller (or decedent, if being sold by the decedent's estate) last used the property as the seller's (decedent's) principal residence
within the meaning of IRC Section 121 without regard to the two-year time period; or
c. The seller has a loss or zero gain for California income tax purposes on this sale; or
d. The property is being compulsorily or involuntarily converted and the seller intends to acquire property that is similar or related in service
or use to qualify for non-recognition of gain for California income tax purposes under IRC Section 1033; or
e. If the transfer qualifies for non-recognition treatment under IRC Section 351 (transfer to a corporation controlled by the transferor) or IRC
Section 721 (contribution to a partnership in exchange for a partnership interest); or
f. The seller is a corporation (or an LLC classified as a corporation for federal and California income tax purposes) that is either qualified
through the California Secretary of State or has a permanent place of Business in California; or
g. The seller is a partnership (or an LLC that is not a disregarded single member LLC and is classified as a partnership for federal and
California income tax purposes) with recorded title to the property in the name of the partnership of LLC; or
h. The seller is a tax-exempt entity under either California or federal law; or
i. The seller is an insurance company, individual retirement account, qualified pension/profit sharing plan, or charitable remainder trust; or
j. The transfer qualifies as a simultaneous like-kind exchange within the meaning of IRC Section 1031; or
k. The transfer qualifies as a deferred like-kind exchange within the meaning of IRC Section 1031; or
l. The transfer of this property will be an installment sale that you will report as such for California tax purposes and the buyer has agreed
to withhold on each principal payment instead of withholding the full amount at the time of transfer.
The Seller is subject to penalty for knowingly filing a fraudulent certificate for the purpose of avoiding the withholding requirement.
CLTA Preliminary Report
Page 20 of 30
NOTICE
DEPOSIT OF FUNDS AND DISBURSEMENT DISCLOSURE
Unless you elect otherwise (as described below), all funds received by (the "Company") in escrow will be deposited with
other escrow funds in one or more non-interest bearing escrow accounts of the Company in a financial institution
selected by the Company. The depositor acknowledges that the deposit of funds in a non-interest bearing demand
account by Escrow Holder may result in said company receiving a range of economic benefits from the bank in the form
of services, credits, considerations, or other things of value. The depositor hereby specifically waives any claim to such
economic benefits payable to Escrow Holder resulting from non-interest bearing deposits. Unless you direct the
Company to open an interest-bearing account (as described below), the Company shall have no obligation to account to
you in any manner for the value of, or to compensate any party for, any benefit received by the Company and/or its
affiliated company. Any such benefits shall be deemed additional compensation of the Company for its services in
connection with the escrow.
If you elect, funds deposited by you prior to the close of escrow may be placed in an individual interest-bearing account
arrangement that the Company has established with one of its financial institutions. You do not have an opportunity to
earn interest on the funds deposited by a lender. If you elect to earn interest through this special account arrangement,
the Company will charge you an additional fee of $50.00 for the establishment and maintenance of the account. This
fee compensates the Company for the costs associated with opening and managing the interest-bearing account,
preparing correspondence/documentation, transferring funds, maintaining appropriate records for audit/reconciliation
purposes, and filing any required tax withholding statements. It is important that you consider this cost in your decision
since the cost may exceed the interest you earn.
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Privacy Policy
Last Updated and Effective Date: December 1, 2024
This Privacy Notice (“Notice”) describes how Mother Lode Holding Company and its subsidiaries and
affiliates (collectively, “Mother Lode,” “we,” “us,” or “our”) collect, use, store, and share your personal
information when: (1) you access or use our websites, mobile applications, web-based applications,
or other digital platforms where this Notice is posted (“Sites”); (2) you use our products and services
(“Services”); (3) you communicate with us in any manner, including by e-mail, in-person, telephone,
or other communication method (“Communications”); (4) we obtain your information from third parties,
including service providers, business partners, and governmental departments and agencies (“Third
Parties”); and (5) you interact with us to conduct business dealings, such as the personal information
we obtain from business partners and service providers and contractors who provide us certain
business services (“B2B”). Personal information is sometimes also referred to as personal data,
personally identifiable information or other like terms to mean any information that directly or indirectly
identifies you or is reasonably capable of being associated with you or your household. However,
certain types of information are not personal information and thus, not within the scope of our Notice,
such as: (1) publicly available information; and (2) de-identified and aggregated data that is not
capable of identifying you. If we use de-identified or aggregated data, we commit to maintain and use
the information in a non-identifiable form and not attempt to reidentify the information, unless required
or permitted by law.
This Notice applies wherever it is posted. To the extent a Mother Lode subsidiary or affiliate has
different privacy practices, such entity shall have their own privacy statement posted as applicable.
Please note that this Notice does not apply to any information we collect from job candidates and
employees. Our employee and job candidate privacy notice can be found here.
If you are a California resident, click here for specific disclosures about how we collect, use,
store and disclose your personal information, along with your privacy rights.
Notice at Collection
What Type of Information Do We Collect About You?
Depending upon how you interact with our Sites and Services, the nature of your Communications,
and the nature of our interaction with Third Parties, we may collect the following information from and
about you:
Direct identifiers, including but not limited to your unique online identifier, name, alias, social media handle, IP
address, username and password, postal and/or e-mail address, phone number, account name and/or account
number, social security number, driver’s license number, passport number, and/or state identification number.
Related identifiers, including but not limited to your date of birth, bank, credit, or debit card number, financial
information, and/or insurance policy number.
Physical characteristics, including protected characteristics under federal and state law, such as age, sex, race,
and ethnicity.
Commercial information, including records of products or services purchased, obtained, or considered.
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Biometric information, such as fingerprints and voice recordings.
Internet or other electronic network activity information, with our Sites and in Communications, including
browser type and version, browser settings, operating systems and platform, device type, operating
information, mobile carrier, page response time and download errors.
Geolocation data, such as your zip code and time zone.
Audio, electronic, visual, and thermal information, including telephone recordings, electronic communication
records, and security camera footage from applicable Mother Lode properties.
Professional or employment-related information, such as your work history, salary history, and education
history.
How Do We Collect Your Information?
We collect your personal information in three ways:
Directly from you when you access or use our Sites or Services, conduct business dealings with us
in the B2B context or when you communicate with us in any manner, including but not limited to:
Personal information you provide by filling out forms in person or electronically through our Sites, including
information provided at the time of registering for any Service or event, posting material, or requesting further
services or information;
Personal information you provide when you access or use our Services;
Personal information you provide when you conduct B2B dealings with us;
Personal information you provide when you report a problem with our Sites;
Records and copies of your correspondence (e.g., email address) if you contact us;
Your responses to surveys that we might ask you to complete;
Details of transactions you carry out through our Sites, and the fulfillment of your orders; and
Your search queries on the Sites.
Automatically when you access or use our Sites or Services, conduct business dealings or when
you communicate with us, including but not limited to:
Details of your visits to the Sites, including traffic data, location data, logs and other communication data;
Information about your computer and mobile device, and internet connection, including your IP address,
operating system, and browser type; and
Interactivity with an e-mail, including opening, navigating, and click-through information.
From Third Parties, including but not limited to:
Data analytics providers for the purpose of receiving statistical data about your activity on our Sites;
Social media networks for the purpose of collecting certain of your social media profile information and activity,
including your screen names, profile picture, contact information, contact list, and the profile pictures of your
contacts, through the social media platform;
Service providers, including but not limited to internet service providers, fraud prevention services, and related
partners; and
Public sources, including local, state, and federal government agencies and departments, to facilitate your use of
the Sites, and to provide you with our Services.
How Do We Use Your Information?
We use the personal information outlined in What Type of Information Do We Collect About You for a
variety of business and commercial purposes, including but not limited to:
Provide the Sites to you;
Provide the Services you have requested;
Conduct business dealings with you;
Fulfill a transaction you requested or
service your policy;
Handle a claim;
Create and manage your account;
Protect and enforce your rights and the
rights of other users against unlawful
activity, including identity theft and fraud;
Protect and enforce our collective rights
arising under any agreements entered
between Mother Lode and you or any
other Third Party;
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Operate the Sites, including access
management, payment processing, Site
administration, internal operations,
troubleshooting, data analysis, testing,
research, and for statistical purposes;
Respond to your requests, feedback, or
inquiries;
Comply with laws, regulations, and other
legal requirements;
Comply with relevant industry standards
and our policies;
Protect the integrity and maintain security
of our Sites and Services;
Operate, evaluate, and improve our
business; and
Deliver content tailored to your interests
and the way you use the Sites;
Present content in a manner that is
optimized for your device;
Measure and analyze the effectiveness of
the Sites and Services we provide to you.
How Do We Disclose Your Personal Information?
We do not sell your personal information or share your personal information for cross-context
behavioral advertising. We may, however, disclose personal information referenced in What Type of
Information Do We Collect About You with others for a variety of business and commercial purposes,
including:
With your consent. We may disclose your personal information with your consent. We may obtain your consent
in writing; online, through “click-through” agreements; when you accept the terms of use on our Sites; orally,
either in person or on the phone; or by other means.
In a business transfer. We may disclose your personal information as part of a corporate business transaction,
such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or
in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred
to Third Parties as a business asset in the transaction.
To non-affiliated third parties, such as service providers and contractors. We may disclose your personal
information with other parties, such as service providers and contractors, to facilitate your access and use of our
Sites and Services, including but not limited to internet service providers, data analytics providers, governmental
entities, operating systems and platforms, social medial networks, and service providers who provide us a
service (e.g., credit / debit card processing, billing, shipping, repair, customer service, auditing, debugging to
identify and repair errors that impair existing intended functionality on our Sites or Services, and/or protecting
against malicious, deceptive, fraudulent, or illegal activity).
To subsidiaries and affiliates. We may disclose your personal information with our Mother Lode subsidiaries
and affiliates to further facilitate your use of our Sites and Services, and to ensure the smooth and consistent
operations of Mother Lode by identifying and repairing errors that impede intended functionality and to protect
against malicious, deceptive, fraudulent, or illegal activity.
For legal process and protection. We may disclose your personal information to satisfy any law, regulation, legal
process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure
of such information is reasonably necessary to:
o Enforce or apply agreements, or initiate, render, bill, and collect for Services;
o Protect our rights or interests, property or safety or that of others;
o In connection with claims, disputes, or litigation - in court or elsewhere;
o Protect users of our Sites and Services and other carriers or providers from fraudulent, abusive, or
unlawful use of, or subscription to, such services; and
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o Facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or
federal government.
Links To Third Party Sites
Our Sites may contain links to Third Party websites and services. Please note that these links are
provided for your convenience and information, and the websites and services may operate
independently from us and have their own privacy policies or notices, which we strongly suggest you
review. This Notice applies to our Sites only, and we do not accept any responsibility or liability for the
policies or practices of any Third Parties.
Third Party Tracking / Do Not Track
Our Sites may, from time to time, collect information about your online activities, over time and across
our different Sites. When you use our Sites, third parties may also collect information about your
online activities, over time and across different internet websites, online or cloud computing services,
online applications, or mobile applications. Some browsers support a “Do Not Track” feature, which is
intended to be a signal to websites that you do not wish to be tracked across different websites you
visit. Our Sites do not currently change the way they operate based upon detection of a “Do Not
Track” or similar signal.
Social Media Integration
Our Sites and/or Services may, from time to time, contain links to and from social media platforms.
You may choose to connect to us through a social media platform, such as Facebook or Twitter.
When you do, we may collect additional information from or about you, such as your screen names,
profile picture, contact information, contact list, and the profile pictures of your contacts, through the
social media platform. Please be advised that social media platforms may also collect information
from you. We do not have control over the collection, use and sharing practices of social media
platforms. We therefore encourage you to review their usage and disclosure policies and practices,
including their data security practices, before using the social media platforms.
How Do We Store and Protect Your Personal Information?
Although no system can guarantee the complete security of your personal information, we take all
commercially reasonable steps to ensure your personal information is protected in alignment with all
applicable laws and regulations, as appropriate to the sensitivity of your personal information.
How Long Do We Keep Your Personal Information?
We keep your personal information for as long as necessary in accordance with the purpose for
which it was collected, our business needs, and our legal and regulatory obligations. If we dispose of
your information, we will do so in a way that is secure and appropriate to nature of the information
subject to disposal.
Cookies and Related Technology
We may use browser cookies, beacons, pixel tags, scripts, and other similar technologies from time
to time to support the functionality of our Sites and Services. A cookie is a piece of information
contained in a very small text file that is stored in your Internet browser or elsewhere on your hard
drive. Cookies are transferred from our Sites to your computer, phone or tablet, and allow us to
identify your device whenever you return to our Sites. These technologies provide a better experience
when you use our Sites and Services, and allow us to improve our services. We may also use
analytic software, such as Google Analytics and others, to help better understand how our Sites
function on your device(s) and for other analytical purposes. To learn more about how Google uses
data when you use our Sites, see How Google uses data when you use our partners’ sites or apps.
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You can opt-out of Google Analytics by installing Google’s opt-out browser add-on here
https://tools.google.com/dlpage/gaoptout.
Below is an overview of the types of cookies and related technology we deploy, and your choices.
Browser Cookies. A browser cookie is a small file placed on the hard drive of your computer. That
cookie then communicates with servers, ours or those of other companies that we authorize to collect
data for us and allows recognition of your personal computer. You may use the tools available on
your computer or other device(s) to set your browser to refuse or disable all or some browser cookies,
or to alert you when cookies are being set. However, if you refuse or disable all browser cookies, you
may be unable to access certain parts or use certain features or functionality of our Sites. Unless you
have adjusted your browser settings so that it refuses all cookies, we may use cookies when you
direct your browser to our Sites.
Beacons. Our Sites and e-mails may contain small electronic files known as beacons (also referred
to as web beacons, clear GIFs, pixel tags and single-pixel GIFs) that permit us to, for example, to
count users who have visited those pages or opened an e-mail and for other website-related
statistics. You may use the tools in your device to disable these technologies as well.
Third Party Technology. Our service providers may also use cookies and beacons to collect and
share information about your activities both on our Sites and on other websites and applications. In
addition, third parties that are unaffiliated with us may also collect information about you, including
tracking your browsing history, when you use our Sites. We do not have control over these third-party
collection practices. If you wish to minimize these third-party collections, you can adjust the settings
of your browsers or install plug-ins and add-ins.
Your Choices. You may wish to restrict the use of cookies or completely prevent them from being
set. Most browsers provide for ways to control cookie behavior, such as the length of time they are
stored. If you disable cookies, please be aware that some of the features of our Sites may not
function correctly. To find out more on how to manage and delete cookies, visit
www.aboutcookies.org. For more details on your choices regarding use of your web browsing activity
for interest-based advertising, you may visit the following sites:
http://networkadvertising.org/
http://optout.aboutads.info/
http://youradchoices.com/
Your Choices
We provide you the ability to exercise certain controls and choices regarding our collection, use,
storage, and disclosure of your personal information. For California residents, please click here to
understand how to exercise your rights.
Right of Correction. Regardless of where you live, you may submit a request that we correct or update the
information we have about you.
Right to Change Preferences. Regardless of where you live, you may change your choices for subscriptions,
newsletters, and alerts.
Right to Control Advertising and Online Tracking. Regardless of where you live, you have a right to control how
your personal information is tracked online. To learn more about these rights, see Cookies and Related
Technologies.
Right of Non-Discrimination. Regardless of where you live, you have a right to exercise your rights under this
section free of discrimination. Mother Lode will not discriminate against you in any way if you choose to exercise
your rights under this section.
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California Consumer Privacy Act Rights and Disclosures
The following disclosures are made pursuant to the California Consumer Privacy Act, as amended by
the California Privacy Rights Act and its implementing regulations (“CCPA”).
Relevant CCPA Definitions
Term Definition
Personal
information
Information that identifies, relates to, describes, is reasonably capable
of being associated with, or could reasonably be linked, directly or
indirectly, to you or your household.
Sensitive personal
information
Personal information that reveals your social security number, driver’s
license number, state identification card, passport number, account
log-in and password, financial account and password, debit or credit
card number and access code, precise geolocation information, race,
ethnic origin, citizenship or immigration status, religious or
philosophical beliefs, union membership, the content of your mail,
email or texts other than those communications with us, genetic data,
neural data, biometric information, health information, and information
that concerns your sex life or sexual orientation.
Sell, sale, or sold Selling, renting, releasing, disclosing, disseminating, making
available, transferring, or otherwise communicating orally, in writing,
or by other means, your personal information to a third party for
monetary or other valuable consideration.
Share, shared, or
sharing
Sharing, renting, releasing, disclosing, disseminating, making
available, transferring, or otherwise communicating orally, in writing,
or by electronic or other means, your personal information to a third
party for cross-context behavioral advertising, whether or not for
monetary or other valuable consideration, including transactions
between us and a third party for cross-context behavioral advertising
for our benefit in which no money is exchanged.
Summary of Categories of Personal Information Collected and Disclosed
Below is a summary of the categories of personal information we have collected from and about you
in the twelve months preceding the date this Notice was last updated. Also included in this description
is personal information about: (1) why the personal information is collected and used; (2) whether the
information is “sold” or “shared” to third parties; (3) whether the information is disclosed for a business
purpose to third parties; (4) whether the information includes “sensitive personal information”; and (5)
a description of how long we may keep your information. To learn more about the personal
information we will collect on an ongoing basis, please see our Notice at Collection above.
Categories of Personal Information:
Identifiers (Includes Sensitive Personal Information): Includes personal information such as your name, alias,
postal address, and telephone number, unique online identifier, social media handle, IP address, username and
password, email address, account name and/or account number, social security number, driver’s license
number, passport number or state identification number.
Physical Characteristics (Includes Sensitive Personal Information): Includes personal information such as your
race, sex, age and ethnicity.
Financial Information (Includes Sensitive Information): Includes personal information such as bank account
number, credit card number, debit card number, insurance policy number or other financial information.
Internet or other Electronic Network Activity Information: Includes personal information such as browser type
and version, browser settings, operating systems and platform, device type, operating information, mobile
carrier, page response time and download errors.
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Commercial Information: Includes personal information such as records of products or services purchased,
obtained, or considered.
Biometric Information (Includes Sensitive Personal Information): Includes personal information such as
fingerprints, and voice recordings.
Professional and Educational Information: Includes your work history, salary history, and education history.
Audio, Electronic, Visual, Thermal, and Related Information: Includes personal information such as
photographs, video recordings, or recorded messages.
Geolocation: Such as zip code and time zone.
Category Disclosure Information
Disclosure Categories Description
Identifiers*
We collect this personal information directly
from you or automatically from your device(s).
We also may collect this personal information
from third parties such as service providers
and government agencies.
Physical
Characteristics*
Financial
Information*
We collect this personal information directly
from you. We also may collect this personal
information from other parties, such as
service providers.
Internet or other
Electronic Activity
Information
Commercial
Information
Biometric
Information*
We collect this personal information directly
from you or automatically from your device(s).
We also may collect this personal information
from other parties such as service providers.
Professional and
Educational
Information*
We collect this personal information directly
from you. We also may collect this personal
information from other parties such as service
providers and government agencies.
How do we collect
this information?
Audio, Electronic,
Visual, and
Related
Information
We collect this personal information directly
from you or automatically from your device(s).
We also may collect this personal information
from other parties such as service providers.
Does this include
sensitive personal
information?
The categories of sensitive personal information we collect include
social security number, driver’s license number, passport number,
racial or ethnic origin, health information, bank account number,
credit card number, debit card number, or any other financial
information with a required access or security code, password, or
credentials.
*Denotes which categories may include sensitive personal
information.
We do not process your sensitive personal information other than for
the purposes permitted under the CCPA, such as providing the Sites
to you, providing the Services you requested, fulfilling a transaction
you requested or servicing your policy.
Is the information
“sold” or “shared”?
No. To the extent any Mother Lode affiliated entity has a different
practice, it will be stated in the applicable privacy notice posted for
the particular affiliated entity.
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What is our
business purpose
for collecting your
information?
See How Do We Use Your Personal Information above.
Who do we
disclose this
information to?
See How Do We Share Your Personal Information above.
How long do we
keep the
information?
We keep your personal information for so long as is reasonably
necessary and proportionate to the original purpose for which we
collected the personal information. We base our criteria in
determining appropriate retention periods on regulatory and legal
requirements, contractual requirements, business needs, and the
expectations of you.
Notice of Disclosure for a Business Purpose
To learn more about the categories of personal information we have disclosed for a business purpose
about California residents over the last twelve months, including the categories of parties with whom
we have disclosed that personal information, please see What Type of Personal Information Do We
Collect About You and How Do We Share Your Personal Information.
Notice of Sale or Sharing
We do not sell or share personal information as defined under the CCPA, nor have we sold or shared
such personal information in the past 12 months. To the extent any Mother Lode affiliated entity
has a different practice, it will be stated in the applicable privacy notice posted for the
particular affiliated entity. We have no actual knowledge of selling or sharing the personal
information of minors under the age of 16.
Your Rights
Under CCPA and its implementing regulations, you have a Right to Know, Right to Correct, Right
to Delete, and Right to Non-Discrimination. We do not offer a right to opt out of sale or sharing or
limit the use and disclosure of sensitive personal information because we do not sell or share your
personal information or use your sensitive personal information other than for permitted purposes
under the CCPA. We provide you the ability to exercise certain controls and choices regarding our
collection, use, storage, and disclosure of your personal information. Please note that for some of
these rights, such as the Right to Know, Right to Correct, and Right to Delete, we will verify your
identity before we respond to your request. To verify your identity, we will generally match the
identifying personal information provided in your request with the information we have on file about
you. Depending on the sensitivity of the personal information related to your rights request, we may
also utilize more stringent verification methods to verify your identity, including but not limited to
requesting additional information from you and/or requiring you to sign a declaration under penalty of
perjury.
Right to Know. You have a right to confirm whether we are processing your personal information and ask that
we disclose to you the categories and specific pieces of personal information we have collected about you
including a description of the categories of sources from which we have collected that personal information, the
business or commercial purpose for collecting or sharing that information, and the categories of third parties to
whom we have disclosed that personal information. You have the right to receive this information in a format,
to the extent technically feasible, that is portable, usable, and allows you to transmit the personal information
to a person without impediment. You may submit this request by clicking here or by calling 1-877-626-0668. You
may also designate an authorized agent to submit a request on your behalf.
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Right to Correct. You have a right to ask that we correct your personal information, subject to appropriate legal
exceptions. You may submit this request by clicking here or by calling 1-877-626-0668. You may also designate
an authorized agent to submit a request on your behalf.
Right to Delete. You have a right to ask that we delete your personal information, subject to appropriate legal
exceptions. You may submit this request by clicking here or by calling 1-877-626-0668. You may also designate
an authorized agent to submit a request on your behalf.
Right of Non-Discrimination. You have a right to exercise your rights under this section free of discrimination.
Mother Lode will not discriminate against you in any way if you choose to exercise your rights under this section.
Authorized Agents
If permitted or required by applicable law, you may exercise your privacy rights through an authorized
agent. If we receive your request from an authorized agent, we may ask for evidence that you have
provided such agent with a power of attorney or that the agent otherwise has valid written authority to
submit requests to exercise rights on your behalf. If you are an authorized agent seeking to make a
request, please submit the Authorized Agent Form.
California Minors
If you are a California resident under the age of 18, California Business and Professions Code § 22581 permits you to
request and obtain removal of content or information you have publicly posted on any of our Sites. To make such a
request, please send an email with a detailed description of the specific content or information to privacy@mlhc.com.
Please be aware that such a request does not ensure complete or comprehensive removal of the content or information
you have posted and there may be circumstances in which the law does not require or allow removal even if requested.
Children
Our Sites and Services are not intended for children under the age of 18. This includes any links to
other websites that we provide for our convenience. We do not knowingly collect personal information
of children for any reason.
International Jurisdictions
Our Sites and Services are hosted and offered in the United States of America (US), and are subject
to US federal, state, and local law. If you are accessing the Sites or Services from another country,
please be advised that you may be transferring your information to us in the US, and you consent to
that transfer and use of your personal information in accordance with this Notice. You also agree to
abide by the applicable laws of applicable US federal, state, and local laws concerning your use of
the Sites and Services, and your agreements with us. Any persons accessing our Sites or Services
from any jurisdiction with laws or regulations governing the use of the Internet, including the
collection, use, or disclosure of information, different from those of the jurisdictions mentioned above
may only use the Sites or Services in a manner lawful in their jurisdiction. If your use of the Sites or
Services would be unlawful in your jurisdiction, you may not use the Sites or Services.
Accessibility
We are committed to making our content accessible and user friendly to everyone. To request a copy
of this Notice in an alternative format, please contact us at accessibility@mlhc.com or 1-877-626-
0668.
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Changes To Our Privacy Notice
We may change this Notice from time to time. Any and all changes will be reflected on this page, and
where appropriate provided in person or by another electronic method. The effective date will be
stated at the top of this Notice. You should regularly check this page for any changes to this Notice.
YOUR CONTINUED USE, ACCESS, OR INTERACTION WITH THE SITES OR SERVICES, OR
YOUR CONTINUED COMMUNICATIONS WITH US AFTER THE UPDATED NOTICE HAS BEEN
POSTED WILL REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS NOTICE.
Contact Us
If you have any questions, please contact us at privacy@mlhc.com or by calling 1-877-626-0668.
.
GRAMM-LEACH-BLILEY ACT PRIVACY POLICY NOTICE
Title V of the Gramm-Leach-Bliley Act (GLBA) requires financial companies to provide you with a notice of their privacy
policies and practices, such as the types of nonpublic personal information that they collect about you and the categories
of persons or entities to whom it may be disclosed. In compliance with the Gramm-Leach-Bliley-Act, we are notifying you
of the privacy policies and practices of:
Mother Lode Holding Co.
Montana Title and Escrow Co.
National Closing Solutions, Inc.
National Closing Solutions of Alabama
National Closing Solutions of Maryland
Premier Reverse Closings
Centric Title and Escrow
Placer Title Co.
Placer Title Insurance Agency of Utah
Premier Title Agency
North Idaho Title Insurance Co.
Texas National Title
Western Auxiliary Corp.
Wyoming Title and Escrow Co.
Wisconsin Title Closing Service, Inc.
The types of personal information we collect and share depend on the transaction involved. This information may include:
Identity information such as Social Security number and driver's license information.
Financial information such as mortgage loan account balances, checking account information and wire transfer
instructions
Information from others involved in your transaction such as documents received from your lender
We collect this information from you, such as on an application or other forms, from our files, and from our affiliates or
others involved in your transaction, such as the real estate agent or lender.
We may disclose any of the above information that we collect about our customers or former customers to our affiliates or
to non-affiliates as permitted by law for our everyday business purposes, such as to process your transactions and
respond to legal and regulatory matters. We do not sell your personal information or share it for marketing purposes.
We do not share any nonpublic personal information about you with anyone for any purpose that is not
specifically permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that
information in order to provide products or services to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your nonpublic personal information.
Questions about this notice and privacy policy may be sent to MLHC Counsel, Legal Dept., 185 Fulweiler Avenue,
Auburn, CA 95603 or privacy@mlhc.com.
CREATION - 80' R.R.STRIPAPN: 025-080-038
PARENT DEED TO
APN 025-080-067 &
APN 025-080-054, 068
CREATIONAPN 025-080-067
CREATION
APN 025-080-054, 068