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HomeMy WebLinkAboutContracts & Agreements_53A-2017 41856 Ivy Street, Suite 206 Pjf- -r I eO R TITLE- Murrieta, CA 92562 Phone (951)698-2600 Issuing Policies of Chicago Title Insurance Company ORDER NO 00467424-005-GG4 Escrow/Customer Phone (909) 679-1515 Ticor Title Company of California Title Officer Greg Gullotta 4120 Concours, Suite 400 Title Officer Phone (961) 698-2620 Ontario, CA 91764 Title Officer Fax (951) 696 0169 ATTN Loretta Hovey Title Officer Email TeamGreg@ticortitle.com Email lhovey@ticortitle com PROPERTY Vacant Land, Redlands,CA AMENDED PRELIMINARY REPORT In response to the application for a policy of title insurance referenced herein, Ticor Title Company of California hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a policy or policies of title insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an exception herein or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations or Conditions of said policy forms The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Attachment One The policy to be issued may contain an arbitration clause When the Amount of insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set forth in Attachment One Copies of the policy forms should be read They are available from the office which issued this report This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby if it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested The policy(s) of title insurance to be issued hereunder will be policy(s) of Chicago Title Insurance Company, a Nebraska Corporation Please read the exceptions shown or referred to herein and the exceptions and exclusions set forth in Attachment One of this report carefully The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects and encumbrances affecting title to the land Countersigned By r Randy QuO Ptes-Aaot By = Authorized Signature Fd+chaet Grr:aL'a Sc•r?tar. CLTA Preliminary Title Report IPrelm(OSI Rev 8115116) Page 1 Order No 00457424 005 H05 GG4 41856 Ivy Street, Suite 206 Qro TICOR TITLE- Murrieta, CA 92562 Phone (951) 698 2600 AMENDED PRELIMINARY REPORT EFFECTIVE DATE March 6, 2017 at 7 30 a m, Amended March 16,2017, Amendment No 1 ORDER NO 00467424 005-GG4 The form of policy or policies of title insurance contemplated by this report is CLTA Standard Coverage Policy 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 THE CITY OF REDLANDS, a municipal corporation 3 THE LAND REFERRED TO IN THIS REPORT IS DESCRIBED AS FOLLOWS See Exhibit A attached hereto and made a part hereof CLTA Preliminary Title Report [Prelm(DSI Rev 8115/16) Page 2 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE EXHIBIT `°A" LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF SAN BERNARDINO, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS PARCEL A PARCELS 3 4 AND 6 OF PARCEL MAP NO 2998, IN THE CITY OF REDLANDS COUNTY OF SAN BERNARDINO, STATE OF CALIFORNIA, AS PER PLAT RECORDED IN BOOK 25 OF PARCEL MAPS PAGES 90 TO 92, INCLUSIVE, RECORDS OF SAID COUNTY PARCEL B THAT PORTION OF LOTS 1 THROUGH 16, INCLUSIVE, IN BLOCK "B" OF ORANGE GROVE ADDITION, 1N THE COUNTY OF SAN BERNARDINO STATE OF CALIFORNIA, AS PER PLAT RECORDED IN BOOK 2 OF MAPS PAGE 23, RECORDS OF SAID COUNTY, AND RECORDED IN BOOK 4 OF MAPS PAGE 38, RECORDS OF SAID COUNTY DESCRIBED AS FOLLOWS BEGINNING AT THE INTERSECTION OF THE CENTER LINE OF CITRUS AVENUE WITH THE CENTER LINE OF FOURTH STREET,AS SHOWN ON RECORD OF SURVEY RECORDED IN BOOK 29, PAGE 61 RECORDS OF SURVEY, THENCE SOUTH 0 DEG 02' 58" EAST ALONG SAID CENTER LINE OF FOURTH STREET, 157 65 FEET, THENCE SOUTH 89 DEG 57' 45" WEST, 27 01 FEET TO THE TRUE POINT OF BEGINNING, THENCE CONTINUING SOUTH 89 DEG 57' 45" WEST, 408 91 FEET LAST SAID COURSE BEING PARALLEL WITH AND 10 00 FEET NORTH (MEASURED AT RIGHT ANGLES) OF THE CENTER LINE OF AN ALLEY, AS SHOWN ON SAID ORANGE GROVE ADDITION, THENCE NORTH 33 DEG 55' 28" WEST, 88 18 FEET TO THE BEGINNING OF A TANGENT CURVE CONCAVE EASTERLY AND HAVING A RADIUS OF 17 00 FEET, LAST SAID STRAIGHT LINE COURSE BEING PARALLEL WITH AND 32 00 FEET NORTHEASTERLY (MEASURED AT RIGHT ANGLES) OF THE CENTER LINE OF EUREKA STREET, THENCE NORTHERLY AND EASTERLY ALONG LAST SAID CURVE THROUGH A CENTRAL ANGLE OF 101 DEG 36' 17", 30 15 FEET TO THE BEGINNING OF A COMPOUND CURVE CONCAVE SOUTHERLY AND HAVING A RADIUS OF 258 81 FEET, THENCE EASTERLY ALONG LAST SAID CURVE THROUGH A CENTRAL ANGLE OF 22 DEG 17' 49", 100 72 FEET TO A POINT OF TANGENCY WITH A LINE PARALLEL WITH AND 40 00 FEET SOUTH (MEASURED AT RIGHT ANGLES) OF THE CENTER LINE OF CITRUS AVENUE AS SHOWN ON SAID RECORD OF SURVEY, THENCE NORTH 89 DEG 58' 38" EAST ALONG LAST SAID PARALLEL LINE, 33519 FEET TO THE BEGINNING OF A TANGENT CURVE CONCAVE SOUTHWESTERLY AND HAVING A RADIUS OF 17 00 FEET, THENCE EASTERLY AND SOUTHERLY ALONG LAST SAID CURVE THROUGH A CENTRAL ANGLE OF 89 DEG 58'24" 26 70 FEET TO A POINT OF TANGENCY WITH A LINE PARALLEL WITH AND 27 00 FEET WEST (MEASURED AT RIGHT ANGLES) OF SAID CENTER LINE OF FOURTH STREET, THENCE SOUTH 0 DEG 02' 58" EAST 100 65 FEET TO THE TRUE POINT OF BEGINNING TOGETHER WITH THAT PORTION OF LOT 17 IN BLOCK "B" OF ORANGE GROVE ADDITION, 1N THE COUNTY OF SAN BERNARDINO STATE OF CALIFORNIA, AS RECORDED IN BOOK 2 OF MAPS PAGE 23, RECORDS OF SAID COUNTY DESCRIBED AS FOLLOWS BEGINNING AT THE SOUTHEAST CORNER OF SAID LOT, THENCE NORTH 0 DEG 01' 13" WEST, ALONG THE EAST LINE OF SAID LOT TO ITS INTERSECTION WITH A LINE PARALLEL WITH AND 10 00 FEET NORTHERLY OF THE CENTER LINE OF AN ALLEY, AS SHOWN IN SAID BLOCK LAST SAID INTERSECTION BEING THE TRUE POINT OF BEGINNING, THENCE SOUTH 89 DEG 57' 45" WEST ALONG LAST LINE, 5 55 FEET TO IT'S INTERSECTION WITH A LINE PARALLEL WITH AND 35 00 FEET NORTHEASTERLY OF THE CENTER LINE OF EUREKA STREET, THENCE NORTH 33 DEG 55- 28-' WEST, ALONG LAST SAID LINE, 8917 FEET TO THE BEGINNING OF A CURVE CONCAVE EASTERLY AND HAVING A RADIUS OF 17 00 FEET, THENCE NORTHERLY AND EASTERLY ALONG LAST SAID CURVE THROUGH A CENTRAL ANGLE OF 102 DEG 07' 33" 30 30 FEET TO A POINT OF COMPOUND CURVE CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 3 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE EXHIBIT A (Continued) CONCAVE SOUTHERLY AND HAVING A RADIUS OF 258 81 FEET, THENCE EASTERLY ALONG LAST SAID CURVE THROUGH A CENTRAL ANGLE OF 10 DEG 58' 14" 49 55 FEET TO THE INTERSECTION WITH SAID EAST LINE OF LOT 17, THENCE SOUTH 0 DEG 01' 13" EAST ALONG LAST SAID LINE TO THE TRUE POINT OF BEGINNING, BY DEED RECORDED DECEMBER 17 1975 IN BOOK 8826 PAGE 853 OFFICIAL RECORDS APN 0171.053-03, 04 AND 06 AND 0171-251-06 07 08, 09 AND 10 CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 4 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE 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 A Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2017 2018 B There were no taxes levied for the fiscal year 2016-2017 as the property was vested in a public entity Affects Assessor Parcel Numbers 0171 053-03 04 and 06 and 0171-251-06, 07, 08, 09 and 10 C Property taxes Including any personal property taxes and any assessments collected with taxes, are as follows Tax Identification No 0171-053-03-W-002 Fiscal Year 2016-2017 1st Installment $437 23, PAID 2nd Installment $437 22, UNPAID (Delinquent after April 10) Penalty and Cost $5372 Homeowners Exemption $000 Cade Area 005-002 Affects Possessory Interest in 25 parking spaces Prior to the Issuance of any title Insurance the Riverside County Tax Collector must be contacted for possible Unsecured Possessory Interest Taxes Additional amounts and charges may apply D The Igen 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 1 Water rights, claims or title to water, whether or not disclosed by the public records 2 Easement(s)for the purpose(s) shown below and rights incidental thereto as set forth in a document Purpose Irrigation ditches or pipes Recording No Book 28 Pape 233 Deeds and Recording No Book 29 Pape 65 Deeds The exact location and extent of said easement is not disclosed of record 3 Easement(s)for the purpose(s)shown below and rights incidental thereto as set forth In a document Purpose pipe lines Recording No Book"J" Paae 504 of Agreements The exact location and extent of said easement is not disclosed of record CLTA Preliminary Title Report [Prelm(DSI Rev 8115116) Page 5 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT TEcor Title Company of California YOUR REFERENCE EXCEPTIONS (Continued) 4 Easement(s)for the purpose(s) shown below and rights incidental thereto, as granted in a document Granted to California Water and Telephone Company Purpose either or both pole lines, conduits Recording No Book 5331 Paoe 492 Official Records Affects as shown on Parcel Map No 2998 5 Easement(s)for the purpose(s) shown below and rights incidental thereto, as granted In a document Granted to Southern California Edison Company a corporation Purpose aerial Recording No Book 5524 Paoe 592 Official Records Affects as shown on said parcel map 6 Easement(s) for the purpose(s) shown below and rights incidental thereto as delineated or as offered for dedication, on the map of said tract/plat Purpose drainage Affects as shown on Parcel Map No 2998 7 Matters contained In that certain document Entitled Construction, Operation and Easement Agreement Dated November 1, 1975 Executed by Redevelopment Agency of the City of Redlands, a public body corporate and politic, and the City of Redlands, a municipal corporation Recording Date April 30, 1976 Recording No Book 8917 Paae 1184 Official Records Reference Is hereby made to said document for full particulars 8 Easement(s)for the purpose(s) shown below and rights Incidental thereto, as granted in a document Granted to Southern California Edison Company Purpose above ground or underground conduits or both Recording No Book 9105 Page 1253 Official Records Affects various strips of land lying within Parcels 3 and 4 of Parcel Map No 2998 9 An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled Amended and Restated Lease Agreement Lessor Redevelopment Agency of the City of Redlands, a public body corporate and politic Lessee City of Redlands, a municipal corporation Recording Date May 11, 1994 Recording No 94-217143 Official Records and Recording Date May 12, 1994 and Recording No 94-218976 Official Records CLIA Preliminary Title Report IPrelm(DSl Rev 8115116) Page 6 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE EXCEPTIONS (Continued) The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein 10 A deed of trust to secure an indebtedness in the amount shown below, Amount $6,855,000 00 Dated May 1, 1994 Trustor/Grantor Redevelopment Agency of the City of Redlands Trustee First American Title Insurance Company Beneficiary The Sumitomo Trust and Banking Company, Limited, a Japanese banking corporation Recording Date May 11, 1994 Recording No 94-217144 Official Records Affects The herein described Land and other land 11 A financing statement as follows Debtor Redevelopment Agency of the City of Redlands Secured Party The Sumitomo Trust and Banking Company, Limited Recording Date May 11, 1994 Recording No 94-217145 Official Records 12 A financing statement as follows Debtor Redevelopment Agency of the City of Redlands Secured Party First Trust of California, National Association Recording Date May 11, 1994 Recording No 94-217146 Official Records 13 The Land described herein is included within a project area of the Redevelopment Agency shown below and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law(such redevelopment to proceed only after the adoption of the Redevelopment Plan) as disclosed by a document Redevelopment Agency City of Redlands Recording Date December 05, 2007 Recording No 2007-0680912 Official Records 14 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 15 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 CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 7 Order No 00457424 005 HO5 GG4 PRELIMINARY REPORT Ticar Title Company of California YOUR REFERENCE EXCEPTIONS (Continued) 16 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 17 E=asement(s)for the purpose(s)shown below and rights Incidental thereto, as granted in a document Granted to General Telephone Company of California Purpose Public utilities Recording No Book 9122 Paae 1318 Official Records Affects The southerly 5 feet of Lots 1 to 12, inclusive in Block `B , Orange Grove Addition 18 An irrevocable offer to dedicate an easement over a portion of said Land for Purpose(s) Public road, public utility and public services Recording Date July 23, 1985 Recording No 85 176472 Official Records Affects A portion of said land as described therein PLEASE REFER TO THE"INFORMATIONAL NOTES" AND "REQUIREMENTS" SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION END OF EXCEPTIONS CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 8 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE REQUIREMENTS SECTION T This Company will require evidence of compliance with the statutory limitations incident to the governmental agency named below with reference to any conveyance of an interest in the Land this Company will be asked to record and/or rely upon In the Issuance of any form of title insurance Governmental agency The City of Redlands, a municipal corporation 2 Furnish for review a full and complete copy of any unrecorded agreement, contract, license and/or lease together with all supplements, assignments and amendments thereto prior to the close of this transaction The Company reserves the right to add additional Items or make further requirements after review of the requested documentation 3 Unrecorded matters which may be disclosed by an Owner's Affidavit or Declaration A form of the Owner's Affidavit/Declaration Is attached to this Preliminary Report/Commitment This Affidavit/De claration Is to be completed by the record owner of the land and submitted for review prior to the closing of this transaction Your prompt attention to this requirement will help avoid delays In the closing of this transaction Thank you The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit/Declaration ENI]OF REQUIREMENTS CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 9 Order No 00457424 005 H05 GG4 PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE INFORMATIONAL NOTES SECTION 1 None of the Items shown in this report will cause the Company to decline to attach CLTA Endorsement Form 100 to an Extended Coverage Loan Policy,when issued 2 The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land Undeveloped Land properties known as Vacant Land, located within the city of Redlands, California, , to an Extended Coverage Loan Policy 3 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 4 Note There are NO conveyances affecting said Land recorded within 24 months of the date of this report END OF INFORMATIONAL NOTES Greg Gullottalsdl CLTA Preliminary Title Report IPrelm(DSI Rev 8115116) Page 10 Order No 00457424 005 H05 GG4 FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE At Fidelity National Financial, Inc and its majority-owned subsidiary companies (collectively, FNF', our' or "we ), we value the privacy of our customers This Privacy Notice explains how we collect, use, and protect your 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Fidelity National Financial, Inc Do Not Track Disclosures All Rights Reserved Currently our policy is that we do not recognize "do not track" EFFECTIVE AS OF APRIL 1, 2016 requests from Internet browsers and similar devices FNF Privacy Notice(Eff April 1,2016) Printed 11112!2014 9.27 AM by JH5 MISCO219(DSI Rev 8!15116) Page 3 Order No 00457424 005 H05 GG4 Notice of Available Discounts Pursuant to Section 2355 3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment Please be aware that the provision of this notice does not constitute a waiver of the consumers right to be charged the field 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 each discount These discounts only apply to transaction 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 FNF Underwritten Title Comnanv FNF Underwriter TTCC-Ticor Title Company of California CTIC-Chicago Title Insurance Company Available Discounts CREDIT FOR PRELIMINARY REPORTS AND/OR COMMITMENTS ON SUBSEQUENT POLICIES (CTIC) Where no mayor change in the title has occurred since the issuance of the original report or commitment, the order may be reopened within 12 months and all or a portion of the charge previously paid for the report or commitment may be credited on a subsequent policy charge within the following time period from the date of the report DISASTER LOANS (CTIC) The charge for a lender's Policy (Standard or E=xtended coverage) covering the financing or refinancing by an owner of record, within 24 months of the date of a declaration of a disaster area by the government of the United States or the State of California on any land located in said area, which was partially or totally destroyed in the disaster, will be 50%of the appropriate title insurance rate CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS(CTIC) 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 50% to 70% of the appropriate title insurance rate depending on the type of coverage selected The charge for a lender s policy shall be 40%to 50% of the appropriate title insurance rate, depending on the type of coverage selected EMPLOYEE RATE(TTCC and CTIC) No charge shall be made to employees (including employees on approved retirement) of the Company or its underwritten, subsidiary title companies for policies or escrow services in connection with financing, refinancing, sale or purchase of the employees bona fide home property Waiver of such charges is authorized only in connection with those costs which the employee would be obligated to pay, by established custom, as a party to the transaction CA Discount Notice Effective Date 12/01/2014 ATTACHMENT ONE 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 (in) 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 hens or encumbrances or claims thereof not shown by the public records 4 Discrepancies conflicts in boundary lines shortage in area, encroachments, or any other facts which a correct survey would disclose and which are not shown by the public records 5 (a) Unpatented mining claims, (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof, (c) water rights, claims or title to water, whether or not the matters excepted under (a) (b) or (c) are shown by the public records 6 Any lien or right to a lien for services labor or material not shown by the public records CLTA HOMEOWNER S POLICY OF TITLE INSURANCE(12-02 13) ALTA HOMEOWNER S POLICY OF TITLE INSURANCE EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from 1 Governmental police power, and the existence or violation of those portions of any law or government regulation concerning Attachment One(6 5 14)CA&NV 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 Our Maximum Dollar Your Deductible Amount Limit of Liability 1 00% %of Policy Amount Shown in Schedule A or Covered Risk 16 $2,500 00 (whichever is less) $ 1000000 1 00% %of Policy Amount Shown in Schedule A or Covered Risk 18 $5,000 00(whichever is less) $25 000 00 1 00%of Policy Amount Shown in Schedule A or Covered Risk 19 $5,000 00(whichever is less) $25 000 00 1 00%of Policy Amount Shown in Schedule A or Covered Risk 21 $2 500 00(whichever is less) $5,00000 2006 ALTA LOAN POLICY(06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs attorneys'fees or expenses that arise by reason of 1 (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land (ii) the character,dimensions,or location of any improvement erected on the Land, (iii) the subdivision of land or (iv) environmental protection or the effect of any violation of these laws, ordinances, or governmental regulations This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5 (b) Any governmental police power This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6 2 Rights of eminent domain This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8 Attachment One(6 5 14)CA&NV 3 Defects, liens,encumbrances, adverse claims, or other matters (a) created,suffered, assumed or agreed to by the Insured Claimant, (b) not Known to the Company not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy, (c) resulting in no loss or damage to the Insured Claimant, (d) attaching or created subsequent to Date of Policy(however this does not modify or limit the coverage provided under Covered Risk 11 13 or 14), or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage 4 Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing business laws of the state where the Land is situated 5 Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth in lending law 6 Any claim, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer,or (b) a preferential transfer for any reason not stated in Covered Risk 13(b)of this policy 7 Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b) The above policy form may be issued to afford either Standard Coverage or Extended Coverage In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage EXCEPTIONS FROM COVERAGE (Except as provided in Schedule B- Part II ( t(or T)his policy does not insure against loss or damage, and the Company will not pay costs attorneys'fees or expenses that arise by reason of (PART I (The above policy form may be issued to afford either Standard Coverage or Extended Coverage In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage 1 (a)Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records (b) proceedings by a public agency that may result in taxes or assessments or notices of such proceedings whether or not shown by the records of such agency or by the Public Records 2 Any facts rights interests or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land 3 Easements, liens or encumbrances,or claims thereof not shown by the Public Records 4 Any encroachment, encumbrance, violation, variation or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records 5 (a) Unpatented mining claims (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof (c) water rights claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records 6 Any lien or right to a lien for services, labor or material not shown by the Public Records PART Il In addition to the matters set forth in Part I of this Schedule the Title is subject to the following matters and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage) 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 budding 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, (in) 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 Attachment One(6 5 14)CA&NV 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 Igen on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A The above policy form may be issued to afford either Standard Coverage or Extended Coverage In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage and the Company will not pay costs, attorneys' fees or expenses that arise by reason of (The above policy form may be issued to afford either Standard Coverage or Extended Coverage In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage 1 (a)Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records, (b) proceedings by a public agency that may result in taxes or assessments or notices of such proceedings whether or not shown by the records of such agency or by the Public Records 2 Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land 3 Easements, liens or encumbrances or claims thereof not shown by the Public Records 4 Any encroachment encumbrance violation variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public Records 5 (a) Unpatented mining claims (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof (c) water rights, claims or title to water, whether or not the matters excepted under(a) (b) or (c) are shown by the Public Records 6 Any lien or right to a hen for services, labor or material not shown by the Public Records 7 (Variable exceptions such as taxes easements CC&R's etc shown here) ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY(04 02 15) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage costs attorneys'fees or expenses which arise by reason of 1 (a) Any law ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy use or enjoyment of the Land (ii) the character,dimensions or location of any improvement erected on the Land, (iii) the subdivision of land or (iv) environmental protection or the effect of any violation of these laws, ordinances, or governmental regulations This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5 6 13(c) 13(d), 14 or 16 (b) Any governmental police power This Exclusion 1(b)does not modify or limit the coverage provided under Covered Risk 5 6 13(c) 13(d) 14 or 16 2 Rights of eminent domain This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8 3 Defects liens encumbrances,adverse claims, or other matters (a) created,suffered, assumed, or agreed to by the Insured Claimant, (b) not Known to the Company not recorded in the Public Records at Date of Policy but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy (c) resulting in no loss or damage to the Insured Claimant, Attachment one(6 5 14)CA&NV (d) attaching or created subsequent to Date of Policy(however,this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19,20, 21,22,23,24, 27 or 28) or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage 4 Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated 5 Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law This Exclusion does not modify or limit the coverage provided in Covered Risk 26 6 Any claim of invalidity unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy This Exclusion does not modify or limit the coverage provided in Covered Risk 11 7 Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b)or 25 8 The failure of the residential structure, or any portion of it, to have been constructed before on or after Date of Policy in accordance with applicable building codes This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6 9 Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors rights laws that the transaction creating the lien of the Insured Mortgage is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 27(b)of this policy 10 Contamination,explosion,fire,flooding,vibration,fracturing, earthquake or subsidence 11 Negligence by a person or an Entity exercising a right to extract or develop minerals water, or any other substances Attachment One(6 5 14)CA&NV i o 133aK -- o — — 33NaaG — c .n'o GV oo i Vw.uy Qml/l i U1 r IIJJ r I C1� r tri o N � I W a a d C1'+ [r N O Z d 0 m _ d ` V 0 laaals r13103 N- ta. � L3 E This map/plat ss being furnished as an aid in localmg the herein described Lund in relation to adjoininb streets natural boundaries and other land'red is not a—ey ofthe lend depicted Except o the externspolicy ortih,iesamnce is expressly modified by endorsement i£any the Company does notmsora thin. ons distances location ofememenls r g o ih r to hers shown thcmon Order 457424 Page 1 of 1 Requested By steve.derifn,Printed 3/15/2017 3.54 PM Doc SBA 171-5