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HomeMy WebLinkAboutCDP 2017-0067; GOFORTH ADU; Coastal Development Permit (CDP)JACK HENTHORN & ASSOCIATES LETTER OF TRANSMITTAL PO Box 237 Carlsbad, CA 92018 RECT%VEDPhone:760 438-4090 OCT 2 3 2011 To:City of Carlsbad Date:October 23, From:Jack Henthorn & Assoc Fax: y\i;.iLtsBI0N Re:2530 Jefferson Street Phone: Cc:Monna Goforth Pages: El Fax Hand Deliver 0 Fed Ex 0 US Mail I Pages Description 1 Check for $678.60 to City of Carlsbad 13 Signed Submittal Package (Land Use Review Application & Minor Coastal Development Permit) 5 Photos showing north, south, east &west of property 6 Site Plan 2 Proof of Ownership (Property tax Bill and Loan Documents) Packet 100'Radius map, with owners, occupants and mailing labels Irt 1902 Wriaht Place, Ste 200, Carlsbad, CA 92008 • LAND USE REVIEW(;it v of Planning DivisionAPPLICATION1635 Faraday AvenueCarlsbadP-1 (760) 602-4610 www.carlsbadca.gov APPLICATIONS APPLIED FOR:(CHECK BOXES) Development Permits (FOR DEPT. USE ONLY)Legislative Permits (FOR DEPT. USE ONLY) Ca7PVj.Coastal Development Permit rgiMinor 00131•El General Plan Amendment2.0n 1:1 Conditional Use Permit Local Coastal Program Amendment0Minor0Extension 0 Day Care (Large)0 Master Plan Amendment 0 Environmental Impact Assessment Specific Plan Amendment CI Habitat Management Permit Minor ci Zone Change O Hillside Development Permit El Minor Zone Code Amendment 0 Nonconforming Construction Permit South Carlsbad Coastal Review Area Permits 0 Planned Development Permit 0 Minor 0 Review Permit 0 Residential 0 Non-Residential Administrative Minor El Major O Planning Commission Determination 0 Reasonable Accommodation Village Review Area Permits 0 Site Development Plan 0 Minor El Review Permit 0 Special Use Permit 0 Administrative 0 Minor Major CI Tentative Parcel Map (Minor Subdivision) Tentative Tract Map (Major Subdivision) 0 Variance CI Minor NOTE: A PROPOSED PROJECT REQUIRING APPLICATION SUBMITTAL MUST BE SUBMITTED BY APPOINTMENT.PLEASE CONTACT THE APPOINTMENT SPECIALIST AT (760) 602-2723 TO SCHEDULE AN APPOINTMENT. *SAME DAY APPOINTMENTS ARE NOT AVAILABLE ASSESSOR PARCEL NO(S):155 -(95--Jo LOCATION OF PROJECT:a5 30 -T-e--1-Feco-ii S -fr Ca risbac(a0a5S" (STREET ADDRESS) NAME OF PROJECT:5."1.644/-er3-6644.C./Cribri 11 AD CAD BRIEF DESCRIPTION OF PROJECT:M1442,o-E bum-pernuf4-e4 406 ilarta Oweilind C I+ PROJECT VALUE ESTIMATED COMPLETION DATE /0 // 7/6(SITE IMPROVEMENTS)A)129-0 PropieSP FOR CITY USE ONLY Development NoV3 lel a 02:12 Lead Case No. P-1 Page 1 of 6 Revised 03/17 OWNER NAME (PLEASE PRINT)APPLICANT NAME (PLEASE PRINT) INDIVIDUAL NAME INDIVIDUAL NAME (d applicable):H inn nck rer0 (d applicable):(I 1 - 1%0 n via COMPANY NAME COMPANY NAME (if applicable):9 3 0 (if applicable):230 MAILING ADDRESS:-6-o-53-5 m .N)(5-Irad MAILING ADDRESS- 59%3_rylal tc"-ir.ed- CITY, STATE, ZIP:1411)nch.p_s_l_e4 .=1.047394 CITY, STATE ZIP:(A)(Acivislei .240 973c19 TELEPHONE:TELEPHONE:4/S -SSt -V:92-- EMAIL ADDRESS:Pt-scey e-k•AE .Gook EMAIL ADDRESS:pi._1Gpke sts.. ex." I CERTIFY THAT I AM THE LEGAL OWNER AND THAT ALL THE ABOVE I CERTIFY THAT I AM THE LEGAL REPRESENTATIVE OF THE OWNER INFORMATION IS TRUE AND CORRECT TO THE BEST OF MY AND THAT ALL THE ABOVE INFORMATION IS TRUE AND CORRECT TO KNOWLEDGE.I CERTIFY AS LEGAL OWNER THAT THE APPLICANT AS THE BEST OF MY KNOWLEDGE. SET FORTH HEREIN IS MY AUTHORIZED REPRESENTATIVE FOR PURPOSES OF THIS PLICAT1ON. SIGNATURE DAT SIG RE DATE APPLICANTS REPRESS ATIVE (Print):(Ai MAILING ADDRESS:0 -BOX CITY, STATE, ZIP:en r tsbad G81/4 -ciao t? TELEPHONE:(c )D (-4 (9 -6700 EMAIL ADDRESS:etnn Iri)%_\k enilk 0 r!JI co I CERTIFY THAT I AM THE REPRESENTATIVE OF THE APPLICANT FOR PURPOSES OF THIS PPLICATION AND THAT ALL THE ABOVE ORMATION IS TR AND CORRECT TO THE BEST OF MY AL411tea/5 toll-it TURF DATE IN THE PROCESS OF REVIEWING THIS APPLICATION IT MAY BE NECESSARY FOR MEMBERS OF CITY STAFF,PLANNING COMMISSIONERS OR CITY COUNCIL MEMBERS TO INSPECT AND ENTER THE PROPERTY THAT IS THE SUBJECT OF THIS APPLICATION.IIWE CONSENT TO ENTRY FOR THIS PURPOSE. NOTICE OF RESTRICTION:PROPERTY OWNER ACKNOWLEDGES AND CONSENTS TO A NOTICE OF RESTRICTION BEING RECORDED ON THE TITLE TO HIS PROPERTY IF CONDITIONED FOR THE APPLICANT.NOTICE OF RESTRICTIONS RUN WITH THE LAND AND BIND ANY SUCCESSORS IN INTEREST. PR ERTY ER SIGNATURE FOR CITY USE ONLY 17:npa OCT 2 3 2017 PL\;'.IN;N(..,.i1N DATE STAMP APPLICATION RECEIVED RECEIVED BY: CAAA*0 311-it‘ P-1 Page 2 of 6 Revised 03/17 Development Services City of DISCLOSURE STATEMENT Planning Division Carlsbad P-1(A)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov Applicant's statement or disclosure of certain ownership interests on all applications which will require discretionary action on the part of the City Council or any appointed Board, Commission or Committee. The following information MUST be disclosed at the time of application submittal.Your project cannot be reviewed until this information is completed. Please print. Note: Person is defined as "Any individual, firm, co-partnership, joint venture, association, social club, fraternal organization, corporation, estate, trust, receiver, syndicate,in this and any other county, city and county, city municipality, district or other political subdivision or any other group or combination acting as a unit." Agents may sign this document; however, the legal name and entity of the applicant and property owner must be provided below. 1.APPLICANT (Not the applicant's agent) Provide the COMPLETE,LEGAL names and addresses of ALL persons having a financial interest in the application. If the applicant includes a corporation or partnership, include the names,titles,addresses of all individuals owning more than 10%of the shares.IF NO INDIVIDUALS OWN MORE THAN 10%OF THE SHARES,PLEASE INDICATE NON-APPLICABLE (N/A)IN THE SPACE BELOW.If a publicly-owned corporation,include the names,titles,and addresses of the corporate officers.(A separate page may be/attached if necessary.) Person 010in q 0-61411 Corp/Part Title n TitlernutAnsAddresswinc Sbesi-e4 -La/ 9 /3'79 Address 2.OWNER (Not the owner's agent) Provide the COMPLETE.LEGAL names and addresses of ALL persons having any ownership interest in the property involved.Also,provide the nature of the legal ownership (i.e.,partnership,tenants in common,non-profit,corporation,etc.).If the ownership includes a corporation or partnership, include the names, titles, addresses of all individuals owning more than 10% of the shares. IF NO INDIVIDUALS OWN MORE THAN 10%OF THE SHARES,PLEASE INDICATE NON-APPLICABLE (N/A)IN THE SPACE BELOW.If a publicly-owned corporation,include the names,titles,and addresses of the corporate officers.(A separate page may be attached if necessary.) Person MO n ct &e -le Corp/Part Title Title Address 50.5'5.mc4c 3-freet Address tkit clikoMel it\)Losly P-1(A)Page 1 of 2 Revised 07/10 3.NON-PROFIT ORGANIZATION OR TRUST If any person identified pursuant to (1) or (2) above is a nonprofit organization or a trust, list the names and addresses of ANY person serving as an officer or director of the non- profit organization or as trustee or beneficiary of the. Non Profirrust Non Profit/Trust Title Title Address Address 4.Have you had more than $500 worth of business transacted with any member of City staff,Boards,Commissions,Committees and/or Council within the past twelve (12) months? ElYes No If yes, please indicate person(s): NOTE:Attach additional sheets if necessary. I certify that all the above information is true and correct to the best of my knowledge. 0/. Signature of o e Signature of a tics date Print or type name of owner Print or type name of applicant Signature of owner/applicant's agent if applicable/date Print or type name of owner/applicant's agent P-1(A)Page 2 of 2 Revised 07/10 MINOR t LIEN'()i COASTAL DEVELOPMENT PERMIT/Planning DivisionSINGLE FAMILY RESIDENCECarlsbadAPPLICATION 1635 Faraday Avenue (760) 602-4610 P4 www.carlsbadca.gov A proposed project requiring application submittal must be submitted by appointment*. Please contact the appointment specialist at (760) 602-2723 to schedule an appointment. *SAME DAY APPOINTMENTS ARE NOT AVAILABLE All joint application exhibits, i.e. Tentative Map and Planned Development Site Plan should be prepared at the same scale.(Use a scale no smaller than 1" =40') I.GENERAL BACKGROUND A.Estimated Cost of Development: Development costing $60,000 or more does not qualify as a Minor Coastal Development Permit. The City Planner shall make the final determination regarding a project's cost of development. The primary basis for determining cost of development will be the application of dollar costs per square foot for different types of residential construction.These costs are set by the International Conference of Building Officials (ICBO)and are applied throughout San Diego County. Please complete the following information to assist in the determination of this project's cost of development (Contractor proposals may also be submitted for consideration by the City Planner).Please refer to the current fee schedule for the appropriate $/square foot fee rate. New Residential Square Footage:-e—square feet x $/sq. ft. =$ Residential Addition Square Footage: —Yen square feet x $/sq. ft. =$ Any Gard Square Footage:TJ square feet x $/sq. ft. =$ Residential Conversion Square Footage:-r7"-- square feet x $/sq. ft.=$ Please contact the City of Carlsbad Building Division for current fee rate for Non- Residential uses (i.e. Retail/Store; Restaurants; Office; and Manufacturing/Warehouse uses.) square feet x $/sq. ft. =$ COST OF DEVELOPMENT ESTIMATE: $C.) B.Do you wish to apply for: 1.A Minor Coastal Development Permit (Under $60,000 cost estimate)W 2.A Coastal Development Permit ($60,000 or more cost estimate) C.Street address of proposed development 9530 -7-efferse-v\a -red.Carishad 04-gao©r P-6 Page 1 of 6 Revised 05/17 D.Assessor's Parcel Number of proposed development /55 -OS I E.Development Descriptionh Briefly describe project:Val-vn k+121 niP'1/4 04-0'0-per 111 A st)C1 ‘C na CLO gill A a L(.ihrh. F.Describe the present land uses (i.e. vacant land, single family homes, apartments, offices, etc.) that surround the proposed development to the: North:8Cke Pia \Y‘S+a 1A.)at\- )18120 W1,4South:Batert a 19 tack_-sma ito —Gen rhetk. East cle)(A 01.—SNVICOV4 —6:th1 I West —1-72---fren SelA —&e -&VYCl t 4 feel HIM-a G.Is project located within a 100-year flood plain? Yes R/No II.PRESENT USE OF PROPERTY A.Are there existing structures on the property?Leg No If yes. please describe.k -esta-evvoz 0Oct-shop -4-9t1Loci lanAuh't B.Will any existing structure be removed/demolished? Yes Nt(o If yes to either question, describe the extent of the demolition or removal, including the relocation site, if applicable (also show on plans). III.LOT COVERAGE A.Existing and Proposed Existing Proposed Total Building Coverage sq. ft.sq. ft.I Li I sq. ft.(9-1.LI Landscaped Area 9 sq. ft.sq. ft.3CICH sq. ft.39.9 Hardscape Area (6 sq. ft.sq. ft.3$.66—sq.ft.3S.% Unimproved Area (Left Natural)-CY sq. ft.sq. ft."Ifr—sq. ft. P-6 Page 2 of 6 Revised 05/17 B.Parking:Number of existing spaces Number of new spaces proposed --- Existing/Proposed TOTAL:-2) Number of total spaces required Number of covered spaces Number of uncovered spaces Number of standard spaces Number of compact spaces Is tandem parking existing? Yes #____SNo Is tandem parking proposed? Yes # No C.Grade Alteration: Is any grading proposed? Yes 1'No If yes, please complete the following: 1.Amount of cut cu. yds. 2.Amount of fill cu. yds. 3.Maximum height of fill slope feet 4.Maximum height of cut slope feet 5.Amount of import or export cu. yds. 6.Location of borrow or disposal site P-6 Page 3 of 6 Revised 05/17 ''WASTE Development ServicesCCityofAND SUBSTANCES Planning Division Carlsbad STATEMENT 1635 Faraday Avenue (760) 602-4610P-1(C)www.carlsbadca.gov Consultation of Lists of Sites Related to Hazardous Wastes (Certification of Compliance with Government Code Section 65962.5) Pursuant to State of California Government Code Section 65962.5,I have consulted the Hazardous Waste and Substances Sites List compiled by the California Environmental Protection Agency and hereby certify that (check one): The development project and any alternatives proposed in this application are not contained on the lists compiled pursuant to Section 65962.5 of the State Government Code. ID The development project and any alternatives proposed in this application am contained on the lists compiled pursuant to Section 65962.5 of the State Government Code. APPLICANT PROPERTY OWNER Name: Uvxna 6-0 -lo (-4-h Name:Moneta Address:S -Main Address:girt S ifirla (11 tA )1 li‘C h.s-lei 4 /93 tiIravi /IncllOth (711/4731 t( Phone Number 765 51/6 52_269 Phone Number 74.6 -atk -3942- Address of Site:25 3 c.)—7-e-fferso-n 3-t- • I ..Ca r i sbadi CA-9 2005 - 3 n Local Agency (City and County):C.A ce Carlsbad — CoLo utri cpan)Of er Assessor's book, page, and parcel number:/ SS--2s I -2-0 Specify list(s): Regulatory Identification Number. Date of List: X ---a ont.mri '4M Applicant Sign. ure it ..0 Prope Owner 'nat ate The Hazardous Waste and Substances Sites List (Cortese List)is used by the State,local agencies and developers to comply with the California Environmental Quality Act requirements in providing information about the location of hazardous materials release sites. P-1(C)Page 1 of 2 Revised 02113 (1 •City of PROJECT DESCRIPTION Development Services Planning Division Carlsbad P-1(B)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov "—Se4f-PROJECT NAME:2530 `mil _s o-17-) APPLICANT NAME:Monock Please describe fully the proposed project by application type.Include any details necessary to adequately explain the scope and/or operation of the proposed project.You may also include any background information and supporting statements regarding the reasons for,or appropriateness of, the application.Use an addendum sheet if necessary. Description/Explanation: Request for approval of an auxiliary dwelling unit permit for an existing unpermitted garage conversion at 2530 Jefferson Street, Carlsbad, CA.The property is currently the subject of Carlsbad Municipal Code violation tt 2017-0572.This application is made to resolve a portion of the violation and other items will be handled through the building permit process. P-1(13)Page 1 of 1 Revised 07/10 • .• STORM WATER STANDARDS Development ServicesCCity of QUESTIONNAIRE Land Development Engineering Carlsbad E-34 1635 Faraday Avenue (760) 602-2750 www.carlsbadca.gov .:INSTRUCTIONS: To address post-development pollutants that may be generated from development projects,the city requires that new development and significant redevelopment priority projects incorporate Permanent Storm Water Best Management Practices (BMPs)into the project design per Carlsbad BMP Design Manual (BMP Manual).To view the BMP Manual, refer to the Engineering Standards (Volume 5). This questionnaire must be completed by the applicant in advance of submitting for a development application (subdivision,discretionary permits and/or construction permits).The results of the questionnaire determine the level of storm water standards that must be applied to a proposed development or redevelopment project.Depending on the outcome,your project will either be subject to 'STANDARD PROJECT'requirements or be subject to 'PRIORITY DEVELOPMENT PROJECT (PDP) requirements. Your responses to the questionnaire represent an initial assessment of the proposed project conditions and impacts.City staff has responsibility for making the final assessment after submission of the development application.If staff determines that the questionnaire was incorrectly filled out and is subject to more stringent storm water standards than initially assessed by you, this will result in the return of the development application as incomplete.In this case,please make the changes to the questionnaire and resubmit to the city. If you are unsure about the meaning of a question or need help in determining how to respond to one or more of the questions, please seek assistance from Land Development Engineering staff. A completed and signed questionnaire must be submitted with each development project application.Only one completed and signed questionnaire is required when multiple development applications for the same project are submitted concurrently. •PROJECT INFORMATION PROJECT NAME:r-- 66.011 ..Apti PROJECT ID: _ADDRESS:2_530 c__(*(--sern C a rkbl APN:/5 -26 The project is (check one):D New Development 1:1 Redevelopment The total proposed disturbed area is:ft2 ()acres The total proposed newly created and/or replaced impervious area is:ft2 )acres If your project is covered by an approved SWQMP as part of a larger development project, provide the project ID and the SWQMP # of the larger development project: Project ID 60 -€0\i- C—h 4 OCA SWQMP Then,go to Step 1 and follow the instructions.When completed,sign the form at the end and submit this with your application to the city. E-34 Page 1 of 4 REV 02/16 r. STEP 1 TO BE COMPLETED FOR ALL PROJECTS To determine if your project is a "development project", please answer the following question: YES NO Is your project LIMITED TO routine maintenance activity and/or repair/improvements to an existing building t./orstructure that do not alter the size (See Section 1.3 of the BMP Design Manual for guidance)? If you answered "yes" to the above question, provide justification below then go to Step 5,mark the third box stating "my project is not a 'development project'and not subject to the requirements of the BMP manual" and complete applicant information. Justification/discussion: (e.g. the project includes only interior remodels within an existing building): If you answered "no" to the above question, the project is a 'development project', go to Step 2. STEP 2 TO BE COMPLETED FOR ALL DEVELOPMENT PROJECTS To determine if your project is exempt from PDP requirements pursuant to MS4 Permit Provision E.3.b.(3), please answer the following questions: Is your project LIMITED to one or more of the following: YES NO 1.Constructing new or retrofitting paved sidewalks, bicycle lanes or trails that meet the following criteria: a)Designed and constructed to direct storm water runoff to adjacent vegetated areas, or other non- erodible permeable areas;)Srb)Designed and constructed to be hydraulically disconnected from paved streets or roads; c)Designed and constructed with permeable pavements or surfaces in accordance with USEPA Green Streets guidance? 2.Retrofitting or redeveloping existing paved alleys, streets, or roads that are designed and constructed in accordance with the USEPA Green Streets guidance? 3.Ground Mounted Solar Array that meets the criteria provided in section 1.4.2 of the BMP manual? If you answered "yes" to one or more of the above questions, provide discussion/justification below, then go to Step 5,mark the second box stating "my project is EXEMPT from PDP ..." and complete applicant information. Discussion to justify exemption (e.g.the project redeveloping existing road designed and constructed in accordance with the USEPA Green Street guidance): If you answered "no" to the above questions, your project is not exempt from PDP, go to Step 3. E-34 Page 2 of 4 RFV 02/1R rPl...ORAtiL,®a .EVELMEN PUtael To determine if your project is a PDP, please answer the following questions (MS4 Permit Provision E.3.b.(1)): YES NO 1.Is your project a new development that creates 10,000 square feet or more of impervious surfaces collectively over the entire project site?This includes commercial,industrial,residential,mixed-use, Xr"and public development projects on public or private land. 2.Is your project a redevelopment project creating and/or replacing 5,000 square feet or more of impervious surface collectively over the entire project site on an existing site of 10,000 square feet or )?:(more of impervious surface?This includes commercial,industrial,residential,mixed-use,and public development projects on public or private land. 3.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a restaurant?A restaurant is a facility that sells prepared foods and drinks for consumption,including stationary lunch counters and ‘frlrefreshment stands selling prepared foods and drinks for immediate consumption (Standard Industrial Classification (SIC) code 5812). 4.Is your project a new or redevelopment project that creates 5,000 square feet or more of impervious surface collectively over the entire project site and supports a hillside development project?A hillside .‘tg( development project includes development on any natural slope that is twenty-five percent or greater. 5.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a parking lot? A parking lot is 111alandareaor facility for the temporary parking or storage of motor vehicles used personally for business or for commerce. 6.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a street,road,highway LI Id.freeway or driveway?A street,road,highway,freeway or driveway is any paved impervious surface used for the transportation of automobiles, trucks, motorcycles, and other vehicles. 7.Is your project a new or redevelopment project that creates and/or replaces 2,500 square feet or more of impervious surface collectively over the entire site,and discharges directly to an Environmentally Sensitive Area (ESA)?"Discharging Directly to" includes flow that is conveyed overland a distance of 200 feet or less from the project to the ESA, or conveyed in a pipe or open channel any distance as an isolated flow from the project to the ESA (i.e. not commingled with flows from adjacent lands).* 8.Is your project a new development or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface that supports an automotive repair shop?An automotive repair shop is a facility that is categorized in any one of the following Standard Industrial Classification (SIC)0 codes: 5013, 5014, 5541,7532-7534, or 7536-7539. 9.Is your project a new development or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious area that supports a retail gasoline outlet (RGO)?This category includes 0 )KRGO's that meet the following criteria:(a)5,000 square feet or more or (b)a project Average Daily Traffic (ADT)of 100 or more vehicles per day. 10.Is your project a new or redevelopment project that results in the disturbance of one or more acres of land and are expected to generate pollutants post construction? 11.Is your project located within 200 feet of the Pacific Ocean and (1) creates 2,500 square feet or more of impervious surface or (2)increases impervious surface on the property by more than 10%?(CMC 21.203.040) If you answered "yes" to one or more of the above questions, your project is a PDP.If your project is a redevelopment project, go to step 4.If your project is a new project, go to step 5, check the first box stating "My project is a PDP ..." and complete applicant information. If you answered "no" to all of the above questions, your project is a 'STANDARD PROJECT.'Go to step 5,check the second box stating "My project is a 'STANDARD PROJECT'..." and complete applicant information. E-34 Page 3 of 4 REV 02/16 ......, .., 1 STEP 4 TO BE COMPLETED FOR REDEVELOPMENT PROJECTS THAT ARE PRIORITY DEVELOPMENT PROJECTS (PDP) ONLY Complete the questions below regarding your redevelopment project (MS4 Permit Provision E.3.b.(2)): YES NO Does the redevelopment project result in the creation or replacement of impervious surface in an amount of less than 50%of the surface area of the previously existing development?Complete the percent impervious calculation below: Existing impervious area (A)=sq. ft.111 V Total proposed newly created or replaced impervious area (B) =sq. ft. Percent impervious area created or replaced (B/A)*100 =% If you answered "yes',the structural BMPs required for PDP apply only to the creation or replacement of impervious surface and not the entire development.Go to step 5, check the first box stating "My project is a PDP ..." and complete applicant information. If you answered "no," the structural BMP's required for PDP apply to the entire development.Go to step 5,check the check the first box stating "My project is a PDP ..." and complete applicant information. CHECK THE APPROPRIATE BOX AND COMPLETE APPLICANT INFORMATION D My project is a PDP and must comply with PDP stormwater requirements of the BMP Manual.I understand I must prepare a Storm Water Quality Management Plan (SWQMP) for submittal at time of application. 0 My project is a 'STANDARD PROJECT' OR EXEMPT from PDP and must only comply with 'STANDARD PROJECT stormwater requirements of the BMP Manual.As part of these requirements,I will submit a "Standard Project Requirement Checklist Form E-36" and incorporate low impact development strategies throughout my project. Note:For projects that are close to meeting the PDP threshold,staff may require detailed impervious area calculations and exhibits to verify if 'STANDARD PROJECT' stormwater requirements apply. 0 My Project is NOT a 'development project' and is not subject to the requirements of the BMP Manual. Applicant Information and Signature Box Applicant Name:in all rva 6c)-G)rf-fi Applicant Title:0 (19-AAS2/._ Applicant Signature:i 61—\,.4a0W 111-(67 MO 61A Date:/0 /z 4ct *Environmentally Sensitive Areas include but are not limited to all Clean Water Act Section 303(d) impaired water bodies; areas designated as Areas of Special Biological Significance by the State Water Resources Control Board (Water Quality Control Plan for the San Diego Basin (1994) and amendments); water bodies designated with the RARE beneficial use by the State Water Resources Control Board (Water Quality Control Plan for the San Diego Basin (1994)and amendments); areas designated as preserves or their equivalent under the Multi Species Conservation Program within the Cities and County of San Diego; Habitat Management Plan; and any other equivalent environmentally sensitive areas which have been identified by the City. This Box for City Use Only YES NO City Concurrence:0 0 By: Date: Project ID: E-34 Page 4 of 4 REV non s STANDARD PROJECT C C Development Servicesity of REQUIREMENT Land Development Engineering Carlsbad CHECKLIST 1635 Faraday Avenue E-36 (760) 602-2750 www.carlsbadca.gov Project Information Project Name:6 /or*41 Ato y Project ID: DWG No. or Building Permit No.: Source Control BMPs• All development projects must implement source control BMPs SC-1 through SC-6 where applicable and feasible.See Chapter 4 and Appendix E.1 of the BMP Design Manual for information to implement source control BMPs shown in this checklist. Answer each category below pursuant to the following. •"Yes" means the project will implement the source control BMP as described in Chapter 4 and/or Appendix E.1 of the Model BMP Design Manual.Discussion/justification is not required. • "No"means the BMP is applicable to the project but it is not feasible to implement.Discussion/justification must be provided.Please add attachments if more space is needed. • "N/A"means the BMP is not applicable at the project site because the project does not include the feature that is addressed by the BMP (e.g.,the project has no outdoor materials storage areas).Discussion/justification may be provided. Source Cciptrpl-Requirdineht Arphad?, SC -1 Prevention of Illicit Discharges into the MS4 El YesSelp k4/ADiscussion/justification if SC-1 not implemented: SC-2 Storm Drain Stenciling or Signage Yes c= 114%)2(1(1/A Discussion/justification if SC-2 not implemented. SC-3 Protect Outdoor Materials Storage Areas from Rainfall,Run-On,Runoff,and Wind El Yes et!6:‘.XcICl/ADispersal Discussion/justification if SC-3 not implemented: E-36 Page 1 of 4 Revised 03/16 ,,) Source Control Requirerrient (continued)Applied? SC-4 Protect Materials Stored in Outdoor Work Areas from Rainfall,Run-On,Runoff,and D Yes 0 No )36/AWind Dispersal Discussion/justification if SC-4 not implemented: SC-5 Protect Trash Storage Areas from Rainfall, Run-On, Runoff, and Wind Dispersal 0 Yes El No N/A Discussion/justification if SC-5 not implemented: SC-6 Additional BMPs based on Potential Sources of Runoff Pollutants must answer for each source listed below and identify additional BMPs. (See Table in Appendix El of BMP Manual for guidance). El On-site storm drain inlets El Yes El No "ErN/A 0 Interior floor drains and elevator shaft sump pumps El Yes El No a N/A El Interior parking garages D Yes No -KN/A 0 Need for future indoor & structural pest control El Yes El No KN/A El Landscape/Outdoor Pesticide Use 0 Yes El No %N/A El Pools, spas, ponds, decorative fountains, and other water features El Yes ID No iN/A El Food service El Yes El No ni/A El Refuse areas El Yes D No Q1/A ID Industrial processes D Yes El No ZRN/A El Outdoor storage of equipment or materials El Yes El No jkl/A El Vehicle and Equipment Cleaning El Yes 0 No *VA 0 Vehicle/Equipment Repair and Maintenance El Yes 0 No TZIN/A El Fuel Dispensing Areas El Yes El No N/A 0 Loading Docks 0 Yes El No N/A El Fire Sprinkler Test Water El Yes El No II/A El Miscellaneous Drain or Wash Water El Yes El No (...JKR/A El Plazas, sidewalks, and parking lots El Yes El No /A For "Yes" answers, identify the additional BMP per Appendix El.Provide justification for "No" answers. E-36 Page 2 of 4 Revised 03/16 • Site Design BMPs All development projects must implement site design BMPs SD-1 through SD-8 where applicable and feasible.See 'Chapter 4 and Appendix E.2 thru E.6 of the BMP Design Manual for information to implement site design BMPs shown in this checklist. Answer each category below pursuant to the following. • "Yes" means the project will implement the site design BMPs as described in Chapter 4 and/or Appendix E.2 thru E.6 of the Model BMP Design Manual. Discussion /justification is not required. • "No" means the BMPs is applicable to the project but it is not feasible to implement.Discussion/justification must be provided. Please add attachments if more space is needed. • "N/A"means the BMPs is not applicable at the project site because the project does not include the feature that is addressed by the BMPs (e.g., the project site has no existing natural areas to conserve). Discussion/justification may be provided. Saticci eatitroi' SD-1 Maintain Natural Drainage Pathways and Hydrologic Features Yes No N/A Discussion/justification if SD-1 not implemented: SD-2 Conserve Natural Areas, Soils, and Vegetation Yes No ).(N/ADiscussion/justification if SD-2 not implemented: SD-3 Minimize Impervious Area Yes No N/A Discussion/justification if SD-3 not implemented: SD-4 Minimize Soil Compaction Yes No /A Discussion/justification if SD-4 not implemented: SD-5 Impervious Area Dispersion Yes No N/A Discussion/justification if SD-5 not implemented: E-36 Page 3 of 4 Revised 03/16 N..• Source Control Requirement (continued)Applied? SD-6 Runoff Collection 0 Yes 0 No 1N/A Discussion/justification if SD-6 not implemented: SD-7 Landscaping with Native or Drought Tolerant Species 0 Yes 0 No AN/ADiscussion/justification if SD-7 not implemented: SD-8 Harvesting and Using Precipitation Yes No N/A Discussion/justification if SD-8 not implemented: E-36 Page 4 of 4 Revised 03/16 (nri;\ Fidelity National Title Company 19000 MacArthur Blvd.,El-7i Suite 300, Irvine, CA 92612 Phone:(949) 788-2800 •Fax:(949) 341 -0251 Issuing Policies of Fidelity National Title Insurance Company Title Officer:Jeff H. Allen ORDER NO.:00179718-001 -TL-JA I Phone:(949) 788-2865 Fax:(949) 341-0577 LOAN NO.: 3111014781 Email:Teamallen@fntleom Express Capital Corporation 5 Upper Newport Plaza Drive, 2nd Floor Newport Beach, CA 92660 ATTN: YOUR REF: PROPERTY:2530 Jefferson Street, Carlsbad, CA PRELIMINARY REPORT 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 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 ofsaid policy forms. The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks ofsaid policy or policies are set forth in Attachment One.The policy to be issued may contain an arbitration clause.When the Amount ofInsurance 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 Liabilityfor 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 oftitle insurance and no liability is assumed hereby.Ifit is desired that liability be assumed prior to the issuance ofa 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 Fidelity National Title Insurance Company,a California Corporation. Please read the exceptions shown or referred to herein and the exceptions and exclusions setforth in Attachment One of this report carefully. The exceptions and exclusions are meant to provide you with notice ofmatters which are not covered under the terms ofthe 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 oftitle and may not list all liens, defects and encumbrances affecting title to the land. Countersigned by: alee--e--- Authorized Signature CLTA Prcliminaly Report Form —Modified (11/17/06)Page 1 r.... Fidelity National Title Company Off.",",19000 MacArthur Blvd., Suite 300, Irvine, CA 92612 Phone:(949) 788-2800 •Fax:(949)341 -0251 PRELIMINARY REPORT EFFECTIVE DATE:April 21, 2017 at 7:30 a.m. ORDER NO.:00179718-001-TL-JAI The form of policy or policies of title insurance contemplated by this report is: ALTA Extended Loan Policy (6-17-06) I.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: Monna E. Goforth, an unmarried woman 3.THE LAND REFERRED TO IN THIS REPORT IS DESCRIBED AS FOLLOWS: See Exhibit A attached hereto and made a part hereof. CLTA Preliminary Report Form —Modified (11/17/06)Page 2 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001-TL-JA I EXHIBIT A LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF CARLSBAD,COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: THE WESTERLY 200 FEET OF LOT 9 IN BLOCK "C",OF RESUBDIVISION OF A PORTION OF SUNNY SLOPE TRACT, IN THE CITY OF CARLSBAD, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO THE MAP THEREOF NO. 995, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, JUNE 6, 1906. APN:155-251-20-00 CLTA Preliminary Report Form —Modified (11/17/06)Page 3 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001 -TL-JAI 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: I.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. 2.The lien ofsupplemental or escaped assessments ofproperty 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 ofthe State of California as a result ofthe transfer of title to the vestee named in Schedule A or as a result ofchanges in ownership or new construction occurring prior to Date of Policy. Note:If said supplementals (if any) are not posted prior to the date of closing, this company assumes no liability for payment thereof. 3.Covenants, conditions, or restrictions,if any, appearing in the Public Records; however, this policy insures against loss or damage arising from: (a) the violation of those covenants, conditions, or restrictions on or prior to Date of Policy; (b)a forfeiture or reversion of Title from a future violation ofthose covenants, conditions, or restrictions, including those relating to environmental protection; and (c) provisions in those covenants, conditions, or restrictions, including those relating to environmental protection, under which the lien of the Insured Mortgage can be extinguished, subordinated, or impaired.. As used in paragraph 2(a), the words "covenants, conditions, or restrictions" do not refer to or include any covenant, condition, or restriction (a) relating to obligations of any type to perform maintenance, repair or remediation on the Land, or (b) pertaining to environmental protection of any kind or nature, including hazardous or toxic matters, conditions, or substances, except to the extent that a notice of a violation or alleged violation affecting the Land has been recorded or filed in the Public Records at Date of Policy and is not referenced in an addendum attached to this policy. 4.Any easements or servitudes appearing in the Public Records; however, this policy insures against loss or damage arising from (a) the encroachment, at Date of Policy, of the improvements on any easement, and (b) any interference with or damage to existing improvements, including lawns, shrubbery, and trees, resulting from the use of the easements for the purposes granted or reserved. 5.Any lease, grant, exception, or reservation of minerals or mineral rights appearing in the Public Records; however, this policy insures against loss or damage arising from (a) any affect on or impairment of the use of the Land for residential one-to-four family dwelling purposes by reason of such lease, grant, exception or reservation ofminerals or mineral rights, and (b) any damage to existing improvements, including lawns, shrubbery, and trees, resulting from the future exercise of any right to use the surface of the Land for the extraction or development of the minerals or mineral rights so leased, granted, excepted, or reserved. Nothing herein shall insure against loss or damage resulting from subsidence. CLTA Preliminary Report Form —Modified (11/17/06)Page 4 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001-TL-TA1 EXCEPTIONS (Continued) 6.A deed of trust to secure an indebtedness in the amount shown below, Amount:$469,000.00 Dated:March 15,2006 Trustor/Grantor:Monna E.Goforth,an unmarried woman Trustee:California Reconveyance Company,a California Corp. Beneficiary:Washington Mutual Bank, FA Loan No.:None Shown Recording Date:March 24, 2006 Recording No:2006-206352, Official Records PLEASE REFER TO THE "INFORMATIONAL NOTES" AND "REQUIREMENTS" SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION. END OF EXCEPTIONS • CLTA Preliminary Report Form —Modified (11/17/06)Page 5 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001 -TL-JA REQUIREMENTS SECTION 1.In order to complete this report, the Company requires a Statement of Information to be completed by the following party(s), Party(s):All Parties The Company reserves the right to add additional items to make further requirements after review of the requested Statement of Information. NOTE:The Statement of Information is necessary to complete the search and examination of title under this order. Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination ofcertain matters which appear to involve the parties but in fact affect another party with the same or similar name. Be assured that the Statement of Information is essential and will be kept strictly confidential to this file. END OF REQUIREMENTS CLTA Preliminary Report Form —Modified (11/17/06)Page 6 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001 -TL-JA1 INFORMATIONAL NOTES SECTION 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.Note: 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 a Single Family Dwelling, known as 2530 Jefferson Street, Carlsbad, 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 provision. 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 ofthe 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 ofthis report. 5.Note: Property taxes for the fiscal year shown below are PAID. For proration purposes the amounts were: Tax Identification No.:155-251 -20-00 Fiscal Year:2016-2017 1st Installment:$1,018.02 Paid 2nd installment:$1,018.02 Paid Exemption:$0.00 Land:$137,575.00 Improvements:$46,768.00 Code Area:09000 Personal Property:$0.00 6.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. 7.Any documents being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee,an authorized employee of an agent, an authorized employee of the insured lender, or by using Bancsery or other approved third party service.If the above requirements cannot be met, please call the Company at the number provided in this report 8.Amended Civil Code Section 2941, which becomes effective on January 1,2002, sets the fee for the processing and recordation of the reconveyance of each Deed of Trust being paid offthrough this transaction at $45.00. The reconveyance fee must be clearly set forth in the Beneficiary's Payoff Demand Statement ("Demand"). In addition, an assignment or authorized release ofthat fee, from the Beneficiary to the Trustee ofrecord, must be included. An example of the required language is as follows: The Beneficiary identified above hereby assigns, releases or transfers to the Trustee ofrecord, the sum of$45.00, included herein as 'Reconveyance Fees',for the processing and recordation of the Reconveyance of the Deed of Trust securing the indebtedness covered hereby, and the escrow company or title company processing this pay-off is authorized to deduct the Reconveyance Fee from this Demand and forward said fee to the Trustee of record or the successor Trustee under the Trust Deed to be paid off in full. CLTA Preliminary Report Form —Modified (11/17/06)Page 7 PRELIMINARY REPORT Fidelity National Title Company YOUR REFERENCE:ORDER NO.:00179718-001-TL-JAI INFORMATIONAL NOTES (Continued) In the event that the reconveyance fee and the assignment, release or transfer are not included within the demand statement, then Fidelity National Title Insurance Company and its Underwritten Agent may decline to process the reconveyance and will be forced to return all documentation directly to the Beneficiary for compliance with the requirements ofthe revised statute. 9.Note: Part of the RESPA Rule to simplify and Improve the Process ofObtaining Mortgages and Reduce Consumer Settlement Costs requires the settlement agent to disclose the agent and underwriter split of title premiums, including endorsements as follows: Line 1107 is used to record the amount of the total title insurance premium, including endorsements, that is retained by the title agent. Fidelity National Title Company retains 88%of the total premium and endorsements. Line 1108 used to record the amount of the total title insurance premium, including endorsements, that is retained by the title underwriter. Fidelity National Title Insurance Company retains 12%of the total premium and endorsements. END OF INFORMATIONAL NOTES Jeff H. Allen/ye! CLTA Preliminary Report Form —Modified (11/17/06)Page 8 FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE At Fidelity National Financial, Inc., we respect and believe it is important to protect the privacy of consumers and our customers. This Privacy Notice explains how we collect, use, and protect any information that we collect from you, when and to whom we disclose such information, and the choices you have about the use of that information. A summary of the Privacy Notice is below, and we encourage you to review the entirety of the Privacy Notice following this summary. You can opt-out of certain disclosures by following our opt-out procedure set forth at the end of this Privacy Notice. Types of Information Collected. You may provide us with certain How Information is Collected. We may collect personal information personal information about you, like your contact information, address from you via applications, forms, and correspondence we receive from demographic information, social security number (SSN), driver's license,you and others related to our transactions with you. When you visit our passport, other government ID numbers and/or financial information. We websites from your computer or mobile device, we automatically collect may also receive browsing information from your Internet browser,and store certain information available to us through your Internet computer and/or mobile device if you visit or use our websites or browser or computer equipment to optimize your website experience. applications. Use of Collected Information. We request and use your personal When Information Is Disclosed. We may disclose your information to information to provide products and services to you, to improve our our affiliates and/or nonaffiliated parties providing services for you or products and services, and to communicate with you about these us, to law enforcement agencies or governmental authorities,as required products and services. We may also share your contact information with by law, and to parties whose interest in title must be determined. our affiliates for marketing purposes. Choices With Your Information. Your decision to submit information Information From Children. We do not knowingly collect information to us is entirely up to you. You can opt-out of certain disclosure or use of from children who are under the age of 13, and our website is not your infonnation or choose to not provide any personal information to intended to attract children. us. Privacy Outside the Website. We are not responsible for the privacy International Users. By providing us with you information, you consent practices of third parties, even if our website links to those parties'to its transfer, processing and storage outside of your country of websites.residence,as well as the fact that we will handle such information consistent with this Privacy Notice. The California Online Privacy Protection Act.Some FNF companies provide services to mortgage loan servicers and, in some cases, their websites collect information on behalf of mortgage loan servicers. The mortgage loan servicer is responsible for taking action or making changes to any consumer information submitted through those websites. Your Consent To This Privacy Notice. By submitting information to us Access and Correction; Contact Us.Ifyou desire to contact us or by using our website, you arc accepting and agreeing to the terms of regarding this notice or your information, please contact us at this Privacy Notice.privacy@fnf.com or as directed at the end of this Privacy Notice. FNF Privacy Statement (Rif. 5/1/2015) Last Updated March 1,2017 Copyright © 2017. Fidelity National Financial, Inc.All Rights Reserved MISCO219 (DSI Rev. 3/2/17)Page I Order No. 00179718-001-TL-JA I FIDELITY NATIONAL FINANCIAL, INC. PRIVACY NOTICE Fidelity National Financial, Inc.and its majority-owned subsidiary companies providing title insurance, real estate-and loan-related services (collectively, "FNF", "our" or "we")respect and are committed to protecting your privacy. We will take reasonable steps to ensure that your Personal Information and Browsing Information will only be used in compliance with this Privacy Notice and applicable laws. This Privacy Notice is only in effect for Personal Information and Browsing Information collected and/or owned by or on behalfofFNF, including Personal Information and Browsing Information collected through any FNF website, online service or application (collectively, the "Website"). Types of Information Collected We may collect two types of information from you: Personal Information and Browsing Information. Personal Information. FNF may collect the following categories of Personal Information: •contact information (e.g., name, address, phone number, email address); •demographic information (e.g., date of birth, gender, marital status); •social security number (SSN), driver's license, passport, and other government ID numbers; •financial account information; and •other personal information needed from you to provide title insurance, real estate-and loan-related services to you. Browsing Information. FNF may collect the following categories of Browsing Information: •Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information; •browser language and type; •domain name system requests; •browsing history, such as time spent at a domain, time and date of your visit and number of clicks; •http headers, application client and server banners; and •operating system and fingerprinting data. How Information is Collected In the course of our business, we may collect Personal Information about you from the following sources: •applications or other forms we receive from you or your authorized representative; •the correspondence you and others send to us; •information we receive through the Website; •information about your transactions with, or services performed by, us, our affiliates or nonaffiliated third parties; and •information from consumer or other reporting agencies and public records maintained by governmental entities that we obtain directly from those entities, our affiliates or others. If you visit or use our Website, we may collect Browsing Information from you as follows: •Browser Loq Files.Our servers automatically log each visitor to the Website and collect and record certain browsing information about each visitor. The Browsing Information includes generic information and reveals nothing personal about the user. •Cookies. When you visit our Website,a "cookie" may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer's hard drive. When you visit a website again, the cookie allows the website to recognize your computer. Cookies may store user preferences and other information. You can choose whether or not to accept cookies by changing your Internet browser settings, which may impair or limit some functionality of the Website. Use of Collected Information Information collected by FNF is used for three main purposes: •To provide products and services to you or any affiliate or third party who is obtaining services on your behalf or in connection with a transaction involving you. •To improve our products and services. •To communicate with you and to inform you about our, our affiliates' and third parties' products and services, jointly or independently. When Information Is Disclosed We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) and Browsing Information to various individuals and companies,as permitted by law, without obtaining your prior authorization. Such laws do not allow consumers to restrict these disclosures. Please see the section "Choices With Your Personal Information" to learn how to limit the discretionary disclosure ofyour Personal Information and Browsing Information. Disclosures of your Personal Information may be made to the following categories of affiliates and nonaffiliated third parties: •to third parties to provide you with services you have requested, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; •to our affiliate financial service providers for their use to market their products or services to you; •to nonaffiliated third party service providers who provide or perform services on our behalf and use the disclosed information only in connection with such services; •to nonaffiliated third party service providers with whom we perform joint marketing,pursuant to an agreement with them to market financial products or services to you; •to law enforcement or other governmental authority in connection with an investigation, or civil or criminal subpoena or court order; FNF Privacy Statement (Eff. 5/1/2015) Last Updated March 1,2017 Copyright © 2017. Fidelity National Financial, Inc.All Rights Reserved MISCO219 (DS! Rev. 3/2/17)Page 2 Order No. 00179718-001-TL-JA1 •to lenders,lien holders,judgment creditors,or other parties claiming an interest in title whose claim or interest must be determined, settled, paid, or released prior to closing; and •other third parties for whom you have given us written authorization to disclose your Personal Information. We may disclose Personal Information and/or Browsing Information when required by law or in the good-faith belief that such disclosure is necessary to: •comply with a legal process or applicable laws; •enforce this Privacy Notice; •investigate or respond to claims that any material,document,image,graphic,logo,design,audio,video or any other information provided by you violates the rights of a third party; or •protect the rights, property or personal safety of FNF, its users or the public. We maintain reasonable safeguards to keep your Personal Information secure. When we provide Personal Information to our affiliates or third party service providers as discussed in this Privacy Notice, we expect that these parties process such information in compliance with our Privacy Notice or in a manner that is in compliance with applicable privacy laws. The use of your information by a business partner may be subject to that party's own Privacy Notice. Unless permitted by law, we do not disclose information we collect from consumer or credit reporting agencies with our affiliates or others without your consent. We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part ofthe FNF business and/or assets, or in the event ofour bankruptcy, reorganization, insolvency, receivership or an assignment for the benefit ofcreditors. You expressly agree and consent to the use and/or transfer of the foregoing information in connection with any ofthe above described proceedings. We cannot and will not be responsible for any breach of security by a third party or for any actions ofany third party that receives any ofthe information that is disclosed to us. Choices With Your Information Whether you submit Personal Information or Browsing Information to FNF is entirely up to you.If you decide not to submit Personal Information or Browsing Information,FNF may not be able to provide certain services or products to you. The uses of your Personal Information and/or Browsing Information that, by law, you cannot limit, include: •for our everyday business purposes —to process your transactions, maintain your account(s), to respond to law •enforcement or other governmental authority in connection with an investigation, or civil or criminal subpoenas or court •orders, or report to credit bureaus; •for our own marketing purposes; •for joint marketing with financial companies; and •for our affiliates' everyday business purposes —information about your transactions and experiences. You may choose to prevent FNF from disclosing or using your Personal Information and/or Browsing Information under the following circumstances ("opt-out"): •for our affiliates' everyday business purposes —information about your creditworthiness; and •for our affiliates to market to you. To the extent permitted above, you may opt-out ofdisclosure or use of your Personal Information and Browsing Information by notifying us by one ofthe methods at the end of this Privacy Notice. We do not share your personal information with non-affiliates for their direct marketing purposes. For California Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by California law. Currently, our policy is that we do not recognize "do not track" requests from Internet browsers and similar devices. For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: BCPINF0@ag.state.nv.us. For Oregon Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents: We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. In addition, we will not share information about your creditworthiness with our affiliates except with your authorization. For joint marketing in Vermont, we will only disclose your name, contact information and information about your transactions. information From Children The Website is meant for adults and is not intended or designed to attract children under the age ofthirteen (13).We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian. By using the Website, you affirm that you are over the age of 13 and will abide by the terms of this Privacy Notice. Privacy Outside the Website The Website may contain links to other websites. FNF is not and cannot be responsible for the privacy practices or the content of any of those other websites. International Users FNF's headquarters is located within the United States.Ifyou reside outside the United States or are a citizen ofthe European Union, please note that we may transfer your Personal Information and/or Browsing Information outside ofyour country of residence or the European Union for any of the FNF Privacy Statement (Eff 5/1/2015) Last Updated March 1,2017 Copyright © 2017. Fidelity National Financial, Inc.All Rights Reserved MISCO219 (DSI Rev. 3/2/17)Page 3 Order No. 00179718-001 -TL-JA1 purposes described in this Privacy Notice. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection and transfer ofsuch information in accordance with this Privacy Notice. The California Online Privacy Protection Act For some FNF websites,such as the Customer CareNet ("CCN"),FNF is acting as a third party service provider to a mortgage loan servicer.In those instances,we may collect certain information on behalf of that mortgage loan servicer via the website.The information which we may collect on behalf of the mortgage loan servicer is as follows: •first and last name; •property address; •user name and password; •loan number; •social security number -masked upon entry; •email address; •three security questions and answers; and •IP address. The information you submit through the website is then transferred to your mortgage loan servicer by way of CCN. The mortgage loan servicer is responsible for taking action or making changes to any consumer information submitted through this website. For example,if you believe that your payment or user information is incorrect, you must contact your mortgage loan servicer. CCN does not share consumer information with third parties, other than (1) those with which the mortgage loan servicer has contracted to interface with the CCN application, or (2) law enforcement or other governmental authority in connection with an investigation, or civil or criminal subpoenas or court orders.All sections of this Privacy Notice apply to your interaction with CCN,except for the sections titled "Choices with Your Information"and "Access and Correction."If you have questions regarding the choices you have with regard to your personal information or how to access or correct your personal information, you should contact your mortgage loan servicer. Your Consent To This Privacy Notice By submitting Personal Information and/or Browsing Information to FNF,you consent to the collection and use of the information by us in compliance with this Privacy Notice. Amendments to the Privacy Notice will be posted on the Website. Each time you provide infonnation to us, or we receive information about you, following any amendment of this Privacy Notice will signify your assent to and acceptance of its revised terms for all previously collected information and information collected from you in the future.We may use comments,information or feedback that you submit to us in any manner that we may choose without notice or compensation to you. Accessing and Correcting Information; Contact UsIfyou have questions, would like to access or correct your Personal Information, or want to opt-out of information sharing with our affiliates for their marketing purposes, please send your requests to privacy@ffif corn or by mail or phone to: Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Florida 32204 Attn: Chief Privacy Officer (888) 934-3354 FNF Privacy Statement (Eft. 5/1/2015) Last Updated March 1,2017 Copyright © 2017. Fidelity National Financial, Inc.All Rights Reserved MISCO219 (DS]Rev. 3/2/17)Page 4 Order No. 00179718-001-TL-JA1 Notice of Available Discounts Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial,Inc.and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions,a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer's right to be charged the 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 Company FNF Underwriter FNTC -Fidelity National Title Company FNTIC -Fidelity National Title Insurance Company FNTCCA —Fidelity National Title Company of California Available Discounts CREDIT FOR PRELIMINARY REPORTS AND/OR COMMITMENTS ON SUBSEQUENT POLICIES (FNTIC) Where no major 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 (FNTIC) The charge for a lender's Policy (Standard or Extended 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 (FNTIC) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be 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. CA Discount Notice Effective Date:12/02/2014 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: I.(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, liqn 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 ofthe lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure ofany subsequent owner of the indebtedness, to comply with the applicable doing business laws ofthe state in which the land is situated. 5.Invalidity or unenforceability ofthe 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: I.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2.Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3.Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5.(a) Unpatented mining claims;(b) reservations or exceptions in patents or in Acts authorizing the issuance thereof;(c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6.Any lien or right to a lien for services, labor or material not shown by the public records. 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: I.Governmental police power, and the existence or violation ofthose portions ofany law or government regulation concerning: a.building; b.zoning; c.land use; d.improvements on the Land; e.land division; and E 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 ofthem, 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 arc Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; Attachment One (6-5-14) CA & NV 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 arca specifically described and referred to in paragraph 3 ofSchedule 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)$10,000.00 1.00%%of Policy Amount Shown in Schedule A or Covered Risk 18:$5,000.00 (whichever is less)$25,000.00 1.00%ofPolicy Amount Shown in Schedule A or Covered Risk 19:$5,000.00 (whichever is less)$25,000.00 1.00%ofPolicy Amount Shown in Schedule A or Covered Risk 21:$2,500.00 (whichever is less)$5,000.00 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 ofthe 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 ofPolicy (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 ofthe 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: Attachment One (6-5-14) CA & NV (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 he ascertained by an inspection ofthe Land or that may be asserted by persons in possession of the Land. 3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4.Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6.Any lien or right to a lien for services, labor or material not shown by the Public Records. PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:) 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 ofany 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 I (b) does not modify or limit the coverage provided under Covered Risk 6. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant: (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e)resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a)a fraudulent conveyance or fraudulent transfer; or (b)a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage.In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: (The above policy 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 ofthe Land and that are not shown by the Public Records. 5.(a)Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6.Any lien or right to a lien for services, labor or material not shown by the Public Records. 7.(Variable exceptions such as taxes, easements,CC&R's,etc. shown here.) Attachment One (6-5-14) CA & NV ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage ofthis policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: I.(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; (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 II. 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. I 1.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 155 -25 3e I'i I .0.1.104 ____I.........14v•BUENA VISTA 4,::.- 2‘11 Le.__.te..LST.. 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