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HomeMy WebLinkAbout6.PROJ-25-0019 PTRPreliminary Title Report File No.: FBDO-2507805 Your Reference No: Phone No.: Property Address: APN: 017-080-033-000, Butte County, CA 95917 Title Officer: .Team Mitch LaRiva Escrow Officer: Renewable Properties Welcome to the new titleLOOK®! titleLOOK upgrades the traditional title report experience from a static report with large zip files of supporting documents to a real-time interactive title report. With titleLOOK, you'll enjoy: •an easy-to-use summary page of your report findings •color-coded requirements and exceptions so you can focus on what is important •hyperlinks directly into the documents referenced on your report •a transparent and convenient title report experience When you click on the above button/link to access your titleLOOK report, you will be taken to inHere, our platform designed to transform the experience of buying or selling real estate from the moment a transaction is started all the way through closing. inHere provides a safe and convenient method of delivering documents and information about your real estate transaction. PRELIMINARY REPORT Prelim Number: 4400 MacArthur Blvd, Suite 200 Newport Beach, CA 92660 FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 1 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 Issuing Policies of Fidelity National Title Insurance Company Order No.:FBDO-2507805 Project:RPCA Deer Creek TO: Renewable Properties 44 Montgomery Street, Suite 3150 San Francisco, CA 94104 Attn:Emma Deslauriers Ref No.: Title Officer.:.Team Mitch LaRiva Email:energygroup@fntg.com Phone No.:951-710-5912 Fax No.:951-710-5955 Escrow Officer: Email: Phone No.: Fax No.: Loan No.: Property:APN: 017-080-033-000, Butte County, CA 95917 In response to the application for a policy of title insurance referenced herein, Fidelity National 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 a defect, lien or encumbrance not shown or referred to as an exception herein or not excluded from coverage pursuant to the printed Schedules, Exclusions from Coverage, and Conditions of said policy forms. With respect to any contemplated owner's policy, 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/ALTA Homeowner's Policy 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 herein and the exceptions and exclusions set forth in Attachment One of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land. 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. Countersigned By: Authorized Officer or Agent Christopher Smith CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 2 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 Effective date: July 30, 2025 at 07:30 AM The form of Policy or Policies of Title Insurance contemplated by this Report is: CLTA Standard Coverage Owner's Policy - 2022 1.The estate or interest in the Land hereinafter described or referred to covered by this Report is: A Fee 2.Title to said estate or interest at the date hereof is vested in: Simmons et al Properties, LLC, a California limited liability company 3.The Land referred to in this Report is described as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF EXHIBIT A Legal Description CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 3 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 For APN/Parcel ID(s):017-080-033-000 THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE UNINCORPORATED AREA IN COUNTY OF BUTTE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: ALL THAT CERTAIN REAL PROPERTY LOCATED IN A PORTION OF SECTION 22, TOWNSHIP 22 NORTH, RANGE 2 EAST, MOUNT DIABLO BASE AND MERIDIAN, IN THE UNINCORPORATED TERRITORY OF BUTTE COUNTY, CALIFORNIA, BEING RESULTANT PARCEL THREE – LOT LINE ADJUSTMENT NO. 12-0013, DESCRIBED AS FOLLOWS: COMMENCING AT THE NORTHWEST CORNER OF SAID SECTION 22, SAID CORNER BEING MARKED BY A ROCK MOUND AS SHOWN ON A RECORD OF SURVEY COMPLETED BY WALTER B. GRIMES AND ASSOCIATES IN 1971 AND RECORDED AT BOOK 39, PAGES 8-11, OF MAPS, OF THE OFFICIAL RECORDS OF BUTTE COUNTY; CALIFORNIA, SAID CORNER BEING REMONUMENTED BY A ¾ INCH REBAR WITH 3 ¼ INCH ALUMINUM CAP STAMPED L.S. 4342 IN SEPTEMBER, 2014: THENCE, ON AND ALONG THE WEST LINE OF SAID SECTION 22, SOUTH 00° 22' 39" EAST, A DISTANCE OF 2413.00 FEET, TO THE CENTER OF THE CHICO AND HUMBOLDT ROAD AS THE SAME EXISTED IN 1936, SAID POINT BEING THE MOST NORTHWESTERLY CORNER OF PARCEL FIVE OF THAT CERTAIN TRUSTEE'S DEED CONVEYED FROM OLIVER M. RUTTER, TRUSTEE OF DESCO ASSOCIATES, INC., A CORPORATION, TO CHRISTINA SIMMONS, DARWIN H. SIMMONS AND JAMES E. SIMMONS, AS RECORDED AT BOOK 1354, PAGES 432 TO 436, OF THE OFFICIAL RECORDS OF BUTTE COUNTY, CALIFORNIA, SAID POINT ALSO BEING THE TRUE POINT OF BEGINNING OF THIS DESCRIPTION; THENCE, LEAVING THE WEST LINE OF SAID SECTION 22, ON AND ALONG THE CENTER OF SAID CHICO AND HUMBOLDT ROAD AS THE SAME EXISTED IN 1936, SAID CENTER ALSO BEING THE NORTHERLY BOUNDARY LINE OF SAID PARCEL FIVE OF SAID TRUSTEE'S DEED, THE FOLLOWING COURSES: NORTH 62° 17' 09" EAST, A DISTANCE OF 304.26 FEET (RECORD NORTH 62° 00' EAST, 316.1 FEET); THENCE, NORTH 81° 02' 11" EAST, A DISTANCE OF 536.60 FEET (RECORD NORTH 80° 45’ EAST, 536.6 FEET); THENCE, NORTH 51° 47' 11" EAST, A DISTANCE OF 490.40 FEET (RECORD NORTH 51° 30' EAST, 490.4. FEET); THENCE, NORTH 45° 17' 11" EAST, A DISTANCE OF 606.20 FEET (RECORD NORTH 45° 00’ EAST, 606.2 FEET); THENCE, NORTH 30° 47' 11" EAST, A DISTANCE OF 467.90 FEET (RECORD NORTH 30° 30’ EAST, 467.9 FEET); THENCE, NORTH 57° 02' 11" EAST, A DISTANCE OF 610.50 FEET (RECORD NORTH 56° 45' EAST, 610.5 FEET); THENCE, NORTH 60° 47' 11" EAST, A DISTANCE OF 673.20 FEET (RECORD NORTH 60° 30' EAST, 673.2 FEET); THENCE, NORTH 59° 17' 11" EAST, A DISTANCE OF 263.74 FEET; THENCE, LEAVING THE CENTER OF THE CHICO AND HUMBOLDT ROAD AS THE SAME EXISTED IN 1936 AND LEAVING THE NORTHERLY BOUNDARY LINE OF SAID PARCEL FIVE OF SAID TRUSTEE'S DEED, SOUTH 18° 53' 31" EAST, A DISTANCE OF 67.21 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 23° 45' 47" WEST, A DISTANCE OF 1030.56 FEET, TO A 5/8 INCH REBAR WITH 1 ½ ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 21° 46' 01" WEST, A DISTANCE OF 710.82 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; EXHIBIT A Legal Description CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 4 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 THENCE, SOUTH 20° 50' 10" WEST, A DISTANCE OF 386.15 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 20° 50' 10" WEST, A DISTANCE OF 727.91 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 45° 17' 05" WEST, A DISTANCE OF 599.16 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 46° 26' 56" WEST, A DISTANCE OF 636.08 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 41° 54' 47" WEST, A DISTANCE OF 477.95 FEET, TO A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, SOUTH 39° 46' 25" WEST, A DISTANCE OF 742.52 FEET, TO THE EASTERLY BOUNDARY LINE OF THAT CERTAIN PARCEL OF LAND DESCRIBED AS EXHIBIT A-1 IN SAID TRUSTEE'S DEED, CONVEYED FROM OLIVER M. RUTTER, TRUSTEE OF DESCO ASSOCIATES, INC., A CORPORATION, TO CHRISTINA SIMMONS, DARWIN H. SIMMONS AND JAMES E. SIMMONS, AS RECORDED AT BOOK 1354, PAGES 432 TO 436, OF THE OFFICIAL RECORDS OF BUTTE COUNTY, CALIFORNIA, SAID POINT BEING MARKED BY A 5/8 INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, ON AND ALONG THE EASTERLY BOUNDARY LINE OF SAID PARCEL DESCRIBED AS EXHIBIT A-1 IN SAID TRUSTEE'S DEED, NORTH 22° 46' 55" WEST, A DISTANCE OF 1150.73 FEET, TO THE WEST LINE OF SAID SECTION 22; THENCE, LEAVING THE EASTERLY BOUNDARY LINE OF SAID PARCEL DESCRIBED AS EXHIBIT A-1 IN SAID TRUSTEE'S DEED, ON AND ALONG THE WEST LINE OF SAID SECTION 22, NORTH 00° 00' 21" EAST, A DISTANCE OF 1039.61 FEET, TO THE WEST ONE-QUARTER CORNER OF SAID SECTION 22, SAID CORNER BEING MARKED BY A ¾ INCH REBAR WITH 1 ½ INCH ALUMINUM CAP STAMPED L.S. 4342; THENCE, CONTINUING ON AND ALONG THE WEST LINE OF SAID SECTION 22, NORTH 00° 22' 39" WEST, A DISTANCE OF 241.38 FEET, MORE OR LESS, TO THE TRUE POINT OF BEGINNING. FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 5 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 EXCEPTIONS At the date hereof, items to be considered and exceptions to coverage in addition to the printed exceptions and exclusions in said policy form would be as follows: 1.Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2025-2026. 2.Prior to close of escrow, please contact the Tax Collector's Office to confirm all amounts owing, including current fiscal year taxes, supplemental taxes, escaped assessments and any delinquencies. 3.The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 4.All taxes or assessments approved, levied or enacted by the State, County, Municipality, Township or similar taxing authority, which are not yet due and payable, including but not limited to any retroactive increases in taxes or assessments resulting from any retroactive increase in the valuation of the land by the State, County, Municipality, Township, or other taxing authority. Any possible charges or assessments for water bills, public utilities, code enforcement and sanitary bills which may exist, but have not yet been recorded and/or filed. 5.Rights of the public to any portion of the Land lying within the area commonly known as Highway 32 and Humboldt Road. 6.Easement(s) for the purpose(s) shown below and rights incidental thereto as reserved in a document; Reserved by:Charles Wolf et ux Purpose:Roadway Recording Date:March 22, 1944 Recording No.:Book 329, Page 19, of Official Records Affects:As described therein 7.Easement(s) for the purpose(s) shown below and rights incidental thereto as condemned by an instrument, Entitled:Final Order of Condemnation Court:Superior Court County of Butte Case No.:32182 Purpose:Drainage Recording Date:September 2, 1958 Recording No.:Book 955, Page 109, of Official Records Affects:As described therein 8.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:Pacific Gas and Electric Company and Pacific Telephone and Telegraph Company Purpose:Public utilities Recording Date:November 15, 1960 Recording No.:Book 1085, Page 321, of Official Records Affects:A portion of said land FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 6 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 9.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:Pacific Telephone and Telegraph Company Purpose:Public utilities Recording Date:January 23, 1961 Recording No.:Book 1096, Page 118, of Official Records Affects:Section 15 in Township 22 North, Range 2 East 10.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:Rine Creek Orchards Purpose:Roadway purposes 60 feet in width Recording Date:July 6, 1976 Recording No.:Book 2084, Page 246, of Official Records Affects:As described therein 11.Easement(s) for the purpose(s) shown below and rights incidental thereto as reserved in a document; Reserved by:Rine Creek Orchards Purpose:Roadway purposes 60 feet in width over and along existing road located on said property Recording Date:July 6, 1976 Recording No.:Book 2084, Page 248, of Official Records Affects:A portion of said land 12.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:Pacific Telephone and Telegraph Company Purpose:Public utilities Recording Date:August 8, 1977 Recording No.:Book 2198, Page 576, of Official Records Affects:A portion of said land 13.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:Stephen Meline IV, an unmarried man, as to an undivided 1/2 interest and Robert J. Meline, an unmarried man as to an undivided 1/2 interest as tenants in common Purpose:Ingress, egress, water, utilities and sewer Recording Date:August 21, 2015 Recording No.:2015-0029999, of Official Records Affects:As described therein 14.Water rights, claims or title to water, whether or not disclosed by the public records. 15.Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the public records. The Company will require, for review, a full and complete copy of any unrecorded agreement, contract, license and/or lease, together with all supplements, assignments and amendments thereto, before issuing any policy of title insurance without excepting this item from coverage. The Company reserves the right to except additional items and/or make additional requirements after reviewing said documents. FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 7 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 16.Any easements not disclosed by the public records as to matters affecting title to real property, whether or not said easements are visible and apparent. 17.Any lien or right to a lien for services, labor or material not shown by the Public Records. 18.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other matters which a correct survey would disclose and which are not shown by the public records. 19.Matters which may be disclosed by an inspection and/or by a correct ALTA/NSPS Land Title Survey of said Land that is satisfactory to the Company, and/or by inquiry of the parties in possession thereof. END OF EXCEPTIONS PLEASE REFER TO THE "INFORMATIONAL NOTES" AND "REQUIREMENTS" SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION. FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 8 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 REQUIREMENTS 1.The Company will require the following documents for review prior to the issuance of any title insurance predicated upon a conveyance or encumbrance from the entity named below. Limited Liability Company: Simmons et al Properties, LLC, a California limited liability company a.A copy of its operating agreement, if any, and any and all amendments, supplements and/or modifications thereto, certified by the appropriate manager or member. b.If a domestic Limited Liability Company, a copy of its Articles of Organization and all amendment thereto with the appropriate filing stamps. c.If the Limited Liability Company is member-managed a full and complete current list of members certified by the appropriate manager or member. d.A current dated certificate of good standing from the proper governmental authority of the state in which the entity was created e.If less than all members, or managers, as appropriate, will be executing the closing documents, furnish evidence of the authority of those signing. f.If Limited Liability Company is a Single Member Entity, a Statement of Information for the Single Member will be required. g.Each member and manager of the LLC without an Operating Agreement must execute in the presence of a notary public the Certificate of California LLC (Without an Operating Agreement) Status and Authority form 2.The Company will require that an Owner’s Affidavit be completed by the party(s) named below before the issuance of any policy of title insurance. Party(ies):Simmons et al Properties, LLC, a California limited liability company The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit. 3.The requirement that the complete and correct name(s) of the buyer(s) in this transaction be submitted to the Title Department at least 5 days prior to the close of Escrow. 4.Please be advised that our search did not disclose any open Deeds of Trust of record. If you should have knowledge of any outstanding obligation, please contact the Title Department immediately for further review prior to closing. 5.The transaction contemplated in connection with this Report is subject to the review and approval of the Company’s Corporate Underwriting Department. The Company reserves the right to add additional items or make further requirements after such review. END OF REQUIREMENTS FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 9 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 INFORMATIONAL NOTES 1.Note: The name(s) of the proposed insured(s) furnished with this application for title insurance is/are: No names were furnished with the application. Please provide the name(s) of the buyers as soon as possible. 2.Note: The only conveyance(s) affecting said Land, which recorded within 24 months of the date of this report, are as follows: Grantor:Cynthia Jo Looman, Successor Trustee of the Simmons Family Trust dated November 14, 2000 Grantee:Simmons et al Properties, LLC, a California limited liability company Recording Date:November 7, 2024 Recording No.:2024-0029241, of Official Records Grantor:Steven James Simmons Grantee:Simmons et al Properties, LLC, a California limited liability company Recording Date:November 7, 2024 Recording No.:2024-0029242, of Official Records Grantor:Kathleen Harrold Grantee:Simmons et al Properties, LLC, a California limited liability company Recording Date:November 7, 2024 Recording No.:2024-0029244, of Official Records Grantor:Christine A. Rowe, also known as Christina Rowe or Christine Rowe, as Trustee of the Christine Adele Rowe Trust, dated April 11, 2022 Grantee:Simmons et al Properties, LLC, a California limited liability company Recording Date:November 7, 2024 Recording No.:2024-0029245, of Official Records 3.Note: Property taxes for the fiscal year shown below are PAID. For proration purposes the amounts were: Tax Identification No.:017-080-033-000 Fiscal Year:2024-2025 1st Installment:$698.79 2nd Installment:$698.79 Land:$96,817.00 Code Area:062-016 4.Note: The charge for a policy of title insurance, when issued through this title order, will be based on the Basic Title Insurance Rate. 5.Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. 6.The application for title insurance was placed by reference to only a street address or tax identification number. The proposed Insured must confirm that the legal description in this report covers the parcel(s) of Land requested to be insured. If the legal description is incorrect, the proposed Insured must notify the Company and/or the settlement company in order to prevent errors and to be certain that the legal description for the intended parcel(s) of Land will appear on any documents to be recorded in connection with this transaction and on the policy of title insurance. FIDELITY NATIONAL TITLE COMPANY PRELIM NO. FBDO-2507805 CLTA Preliminary Report Form (02/03/2023)Printed: 08.27.25 @ 04:00 PM Page 10 CA-FNT-FBDO-01500.110051-SPS-1-25-FBDO-2507805 7.Note: If a county recorder, title insurance company, escrow company, real estate broker, real estate agent or association provides a copy of a declaration, governing document or deed to any person, California law requires that the document provided shall include a statement regarding any unlawful restrictions. Said statement is to be in at least 14-point bold face type and may be stamped on the first page of any document provided or included as a cover page attached to the requested document. Should a party to this transaction request a copy of any document reported herein that fits this category, the statement is to be included in the manner described. 8.Note: Any documents being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee, an authorized employee of a Company agent, an authorized employee of the insured lender, or by using Bancserv or other Company-approved third-party service. If the above requirement cannot be met, please call the Company at the number provided in this report. 9.Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk-Recorder. 10.Note: The policy of title insurance will include an arbitration provision. The Company or the insured may demand arbitration. Arbitrable matters may include, but are not limited to, any controversy or claim between the Company and the insured arising out of or relating to this policy, any service of the Company in connection with its issuance or the breach of a policy provision or other obligation. Please ask your escrow or title officer for a sample copy of the policy to be issued if you wish to review the arbitration provisions and any other provisions pertaining to your Title Insurance coverage. END OF INFORMATIONAL NOTES Wire Fraud Alert Page 11 Original Effective Date:5/11/2017 Current Version Date:5/11/2017 FBDO-2507805A - WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved WIRE FRAUD ALERT This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non-exclusive self-protection strategies are recommended to minimize exposure to possible wire fraud. NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature. For more information on wire-fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation:Internet Crime Complaint Center: http://www.fbi.gov http://www.ic3.gov Privacy Statement Printed: 08.27.25 @ 04:00 PM SCA0003004.doc Page 12 of 22 CA-FNT-FBDO-01500.110051-FBDO-2507805 FIDELITY NATIONAL FINANCIAL CALIFORNIA PRIVACY NOTICE Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF," "our," or "we") respect and are committed to protecting your privacy. This California Privacy Notice explains how we collect, use, and disclose Personal Information, when and to whom we disclose such information, and the rights you, as a California resident ("Consumer"), have regarding your Personal Information ("California Privacy Rights"). "Personal Information" means information that identifies, relates to, describes, and is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. If FNF has collected, used, or disclosed your Personal Information in relation to a job application or employment, independent contractor, officer, owner, or director relationship with FNF, FNF's practices are discussed in our Notice at Collection for Prospective Employees, available at Prospective California Employees. Some subsidiaries maintain separate California Privacy Notices or privacy statements. If a subsidiary has a separate California Privacy Notice, it will be available on the subsidiary's website, and this California Privacy Notice does not apply. Collection of categories of Personal Information: In the preceding twelve (12) months FNF has collected, and will continue to collect, the following categories of Personal Information from you: Identifiers such as name, address, telephone number, IP address, email address, account name, social security number, driver's license number, state identification card, passport number, financial information, date of birth, or other similar identifiers; Characteristics of protected classifications under California or Federal law; Commercial information, including records of personal property, products or services purchased, or other purchasing or consuming histories; Internet or other electronic network activity information including, but not limited to browsing history on FNF websites and information regarding a Consumer's interaction with an FNF website; Geolocation data; Unique biometric data used to authenticate a specific individual such as a fingerprint, retina, or iris image; Professional or employment information; Education Information. This Personal Information is collected from the following sources: Information we receive from you on applications or other forms; Information about your transactions with FNF, our affiliates, or others; Information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities, or from internet service providers, data analytics providers, and social networks; Information from the use of our websites and mobile applications; Information we receive directly from you related to doing business with us. This Personal Information is collected for the following business purposes: To provide products and services to you or in connection with a transaction involving you; To perform a contract between FNF and the Consumer; To improve our products and services; To comply with legal obligations; To detect and protect against fraudulent or illegal activity; To communicate with you about FNF or our affiliates; To maintain an account with FNF or our affiliates; Privacy Statement Printed: 08.27.25 @ 04:00 PM SCA0003004.doc Page 13 of 22 CA-FNT-FBDO-01500.110051-FBDO-2507805 To maintain the security of our systems, tools, accounts, and applications; To verify and authenticate identities and credentials; To provide, support, personalize, and develop our websites, products, and services; To directly market our products to consumers; As described to you when collecting your Personal Information or as otherwise set forth in the California Consumer Privacy Act. Disclosures of Personal Information for a business purpose: In the preceding twelve (12) months FNF has disclosed, and will continue to disclose, the categories of Personal Information listed above for a business purpose. We may disclose Personal Information for a business purpose to the following categories of third parties: FNF affiliates and subsidiaries; Non-affiliated third parties, with your prior consent; Businesses in connection with the sale or other disposition of all or part of the FNF business and/or assets; Service Providers and non-affiliated third parties such as data analytics providers; Law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order. Sale of Personal Information: In the preceding twelve (12) months, FNF has not sold or shared Personal Information. FNF does not sell or share Personal Information. Retention Periods: Due to the breadth and variety of data collected by FNF, it is not possible for us to provide you with a comprehensive list of timeframes during which we retain each category of Personal Information. FNF retains categories of information as reasonably necessary to satisfy the purpose for which we collect the information. This time period varies depending on the purpose for which we collected the information, the nature and frequency of our interactions and relationship with you, whether we have a legal basis to continue retaining the information, industry practices, the value and sensitivity of the information, and state and federal recordkeeping requirements. Personal Information of minors: FNF does not knowingly collect the Personal Information of minors. FNF does not sell or share the information of consumers under sixteen (16) years of age. Sensitive Personal Information: FNF does not use or disclose sensitive Personal Information for any purposes other than those specified in the California Consumer Privacy Act. Right to know: Consumers have a right to know about Personal Information collected, used, disclosed, shared, or sold, including the categories of such Personal Information, as well as the purpose for such collection, use, disclosure, sharing, or selling, categories of third parties to whom Personal Information is disclosed, shared or sold, and the specific pieces of Personal Information collected about the consumer. Consumers have the right to request FNF disclose what Personal Information it collected, used, and disclosed in the past twelve (12) months. Right to request deletion: Consumers have a right to request the deletion of their Personal Information, subject to certain exceptions. Privacy Statement Printed: 08.27.25 @ 04:00 PM SCA0003004.doc Page 14 of 22 CA-FNT-FBDO-01500.110051-FBDO-2507805 Right to Correct: Consumers have the right to correct inaccurate Personal Information. Right to non-discrimination: Consumers have a right not to be discriminated against because of exercising their consumer privacy rights. We will not discriminate against Consumers for exercising any of their California Privacy Rights. Privacy Requests: To exercise any of your California Privacy Rights, or if acting as an authorized agent on behalf of another individual, please visit California Privacy Request (FNF.com/California-privacy), call us Toll Free at 888-413-1748, or write to the address at the end of this notice. Upon making a California Privacy Request, FNF will verify the consumer's identity by requiring an account, loan, escrow number, or other identifying information from the consumer. The above-rights are subject to any applicable rights and obligations including both Federal and California exemptions rendering FNF, or Personal Information collected by FNF, exempt from certain CCPA requirements. A Consumer may use an Authorized Agent to submit any CCPA request. Authorized agents’ requests will be processed like any other CCPA request, but FNF will also require the Consumer provide the agent written permission to make the request and verify his or her identity with FNF. FNF website services for mortgage loans: Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the "Service Websites"). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender's privacy notice. The sections of this Privacy Notice describing the categories, sources, and uses of your Personal Information do not apply to the Service Websites. The mortgage loan servicer or lender's privacy notice governs use, disclosure, and access to your Information. FNF does not share Information collected through the Service Websites, except (1) as required or authorized by contract with the mortgage loan servicer or lender, or (2) as required by law or in the good-faith belief that such disclosure is necessary to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. California Privacy Notice - Effective Date: This California Privacy Notice was last updated on January 1, 2025. Contact for more information: For questions or concerns about FNF's California Privacy Notice and privacy practices, or to exercise any of your California Privacy Rights, please visit California Privacy (FNF.com/California-privacy), call Toll Free 888-413-1748, or contact us by mail at the below address. Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Florida 32204 Attn: Chief Privacy Officer ATTACHMENT ONE Page 15 of 22 Attachment One (11/04/22) CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY - 1990 (11-09-18) 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 or interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2.Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3.Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6.Any lien or right to a lien for services, labor or material unless such lien is shown by the public records at Date of Policy. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART II (Variable exceptions such as taxes, easements, CC&R’s, etc., are inserted here) ATTACHMENT ONE (CONTINUED) Page 16 of 22 Attachment One (11/04/22) 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. 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) ATTACHMENT ONE (CONTINUED) Page 17 of 22 Attachment One (11/04/22) CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (7-01-21) 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, orrelates 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 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 16:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) $ 10,000.00 Covered Risk 18:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) $ 25,000.00 Covered Risk 19:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) $ 25,000.00 Covered Risk 21:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) $ 5,000.00 ATTACHMENT ONE (CONTINUED) Page 18 of 22 Attachment One (11/04/22) CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1.Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a.building; b.zoning; c.land use; d.improvements on the Land; e.land division; and f.environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2.The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3.The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17. 4.Risks: a.that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b.that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c.that result in no loss to You; or d.that first occur after the Policy Date - this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5.Failure to pay value for Your Title. 6.Lack of a right: a.to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b.in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7.The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, stateinsolvency, 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 16:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) $ 10,000.00 Covered Risk 18:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) $ 25,000.00 Covered Risk 19:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) $ 25,000.00 Covered Risk 21:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) $ 5,000.00 ATTACHMENT ONE (CONTINUED) Page 19 of 22 Attachment One (11/04/22) 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 exchangefor 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 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. ATTACHMENT ONE (CONTINUED) Page 20 of 22 Attachment One (11/04/22) 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. 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. Notice of Available Discounts Notice of Available Discounts Printed: 08.27.25 @ 04:00 PM SCA0003004.doc / Updated: 02.28.25 Page 21 of 22 CA-FNT-FBDO-01500.110051-FBDO-2507805 Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc. and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer's right to be charged the filed rate. As such, your transaction may not qualify for the below discounts. You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative. These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount. These discounts only apply to transactions involving services rendered by the FNF Family of Companies. This notice only applies to transactions involving property improved with a one-to-four family residential dwelling. Not all discounts are offered by every FNF Company. The discount will only be applicable to the FNF Company as indicated by the named discount. FNF Underwritten Title Companies Underwritten by FNF Underwriters CTC - Chicago Title Company CTIC - Chicago Title Insurance Company CLTC - Commonwealth Land Title Company CLTIC - Commonwealth Land Title Insurance Co. FNTC - Fidelity National Title Company FNTIC - Fidelity National Title Insurance Co. FNTCCA - Fidelity National Title Company of California NTINY - National Title Insurance of New York TICOR - Ticor Title Company of California LTC - Lawyer's Title Company SLTC - ServiceLink Title Company Available Discounts CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (CTIC, CLTIC, FNTIC, NTINY) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be fifty percent (50%) to seventy percent (70%) of the appropriate title insurance rate, depending on the type of coverage selected. The charge for a lender's policy shall be forty percent (40%) to fifty percent (50%) of the appropriate title insurance rate, depending on the type of coverage selected. DISASTER AREA TRANSACTIONS (CTIC, CLTIC, FNTIC, NTINY) This rate is available for individuals or entities that were victims of a national or state disaster. The rate can be used for a Lender's Policy (Standard or Extended), or an Owner's Policy (Standard or Homeowners coverage). To qualify for this rate, the applicant must, prior to the closing of the applicable transaction, make a written request, including a statement meeting the following criteria: A.The subject property is in a disaster area declared by the government of the United States or the State of California. B.The subject property was substantially or totally destroyed in the declared disaster. C.The subject property ownership has not changed since the time of the disaster. The rate will be fifty percent (50%) of the applicable rate, and the transaction must be completed within sixty (60) months of the date of the declaration of the disaster. DISASTER AREA ESCROWS (CTC, CLTC, FNTC, TICOR, LTC) This rate is available for individuals or entities that were victims of a national or state disaster. The rate can be used for a loan or a sale escrow transaction. To qualify for this rate, the applicant must, prior to the closing of the applicable transaction, make a written request, including a statement meeting the following criteria: A.The subject property is in a disaster area declared by the government of the United States or the State of California. B.The subject property was substantially or totally destroyed in the declared disaster. C.The subject property ownership has not changed since the time of the disaster. Notice of Available Discounts (continued) Notice of Available Discounts Printed: 08.27.25 @ 04:00 PM SCA0003004.doc / Updated: 02.28.25 Page 22 of 22 CA-FNT-FBDO-01500.110051-FBDO-2507805 The rate will be fifty percent (50%) of the applicable rate, and the transaction must be completed within sixty (60) months of the date of the declaration of the disaster. Standard minimum charge applies based upon property type. No other discounts or special rates, or combination of discounts or special rates, shall be applicable. Applies to a single transaction per property. This rate is applicable to the following Zones/Counties: Zone 1.A: Orange County Zone 1.B: Riverside and San Bernardino Counties Zone 2: Los Angeles County Zone 3: Ventura County Zone 10: San Diego County Zone 12: Imperial County If used for a sale transaction, the application of this rate assumes the charge for the Residential Sale Escrow Services (RSES) fee will be split evenly between buyer and seller. As such and regardless of how the calculated applicable RSES will be split between the disaster victim and the other principal, the rate will be applied only to one half (1/2) of the calculated applicable RSES fee, regardless of whether the disaster victim is paying half (1/2) of the RSES fee (as is customary) or paying the entire fee. The rate under this provision will be fifty percent (50%) of disaster victims' one half (1/2) portion only and shall not apply to any portion paid by non-disaster victim. Additional services will be charged at the normal rates. MILITARY DISCOUNT RATE (CTIC, CLTIC, FNTIC) Upon the Company being advised in writing and prior to the closing of the transaction that an active duty, honorably separated, or retired member of the United States Military or Military Reserves or National Guard is acquiring or selling an owner occupied one-to-four family property, the selling owner or acquiring buyer, as applicable, will be entitled to a discount equal to fifteen percent (15%) of the otherwise applicable rates such party would be charged for title insurance policies. Minimum charge: Four Hundred Twenty-Five And No/100 Dollars ($425.00) The Company may require proof of eligibility from the parties to the transaction verifying they are entitled to the discount as described. No other discounts or special rates, or combination of discounts or special rates, shall be applicable. MILITARY RATE (SLTC) A discount of twenty percent (20%) off the purchase transaction closing and settlement fee or a discount of One Hundred And No/100 Dollars ($100.00) off the refinance closing and settlement fee, will be applied when the loan is guaranteed by the United States Veterans Administration and the escrow fee is being paid by the consumer and is listed as paid by borrower on the Closing Disclosure and final Settlement Statement.