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CDP 2016-0002; TSOUKATOS ADDITION; Coastal Development Permit (CDP)
"NS C.ity of LAND USE REVIEW Development Services Planning Division Carlsbad APPLICATION 1635 Faraday Avenue P-1 (760) 602-4610 www.carlsbadca.gov APPLICATIONS APPLIED FOR:(CHECK BOXES) Development Permits (FOR DEPT. USE ONLY)Legislative Permits (FOR DEPT. USE ONLY) 47fe_AC.Orle cvnoitoCoastal Development Permit Minor 0002.CI General Plan Amendment Conditional Use Permit 499°-•CP?-LOW 000 Local Coastal Program Amendment El Minor El Edens!n '3 111 Day Care (Large) Master Plan Amendment 111 Environmental Impact Assessment 11]Specific Plan Amendment Habitat Management Permit [11 Minor El Zone Change 1:1 Hillside Development Permit 111 Minor 1:1 Zone Code Amendment El Nonconforming Construction Permit South Carlsbad Coastal Review Area Permits 11]Planned Development Permit Minor 111 Review Permit El Residential El Non-Residential El Administrative 111 Minor El Major El Planning Commission Determination Reasonable Accommodation Village Review Area Permits 111 Site Development Plan El Minor Review Permit [1 Special Use Permit El Administrative 11 Minor El Major El Tentative Parcel Map (Minor Subdivision) Tentative Tract Map (Major Subdivision) Variance El Minor NOTE: A PROPOSED PROJECT REQUIRING MULTIPLE APPLICATIONS MUST BE SUBMITTED PRIOR TO 3:30 P.M.A PROPOSED PROJECT REQUIRING ONLY ONE APPLICATION MUST BE SUBMITTED PRIOR TO 4:00 P.M. ASSESSOR PARCEL NO(S).:.4. PROJECT NAME:'I.le_T 041. BRIEF DESCRIPTION OF PROJECT:Appt g ct 4.„.4 cv e.u.E A 04.p A-o NJ-AL—L-N-d 1 > PROJECT VALUE (SITE IMPROVEMENTS)I (t)0 ESTIMATED COMPLETION DATE LOCATION OF PROJECT:di-c..."L.,*1.4 -IV STREET ADDRESS ON THE:r SIDE OF 4 c.„tz, (NORTH, SOUTH, EAST, WEST)(NAME OF STREET) BETWEEN C...I tf-4CD 14.1A P AND TA A C.te--.0 (NAME OF STREET)(NAME OF STREET) 2/0 Op -02/0 P-1 Page 1 of 6 Revised 09/16 -„ em% OWNER NAME (Print):7.5.Q.L;APPLICANT NAME (Print):tia.iit it.I i 1 MAILING ADDRESS:kicjw MAILING ADDRESS:2..4 STA.L 7.sTE CITY, STATE, ZIP:p .CITY, STATE, ZIP:84.c..4 TELEPHONE:1100 TELEPHONE:—1 ‘7 2—C.)to.1 EMAIL ADDRESS:*--ri4.1.00 EMAIL ADDRESS:iLd C.J.P C t3) •c...••L.11.44 fie.... C. 0'6/1 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 LL THE ABOVE INFORMATION IS TRUE AND CORRECT TO KNOWLEDGE.I CERTIFY AS LEGAL OWNER THAT THE APPLICANT AS THE BEST F MY OWLEDGE. SET FORTH HE EIN IS MY AUTHORIZED REPRESENTATIVE FOR PURP OF T IS APPLICATION. I 0 (2016 6 ft •./ SIGNATURE DATE G TURE DATE APPLICANTS REPRESENTATIVE (Print): MAILING ADDRESS: CITY, STATE, ZIP: TELEPHONE: EMAIL ADDRESS: I CERTIFY THAT I AM THE REPRESENTATIVE OF THE APPLICANT FOR PURPOSES OF THIS APPLICATION AND THAT ALL THE ABOVE INFORMATION IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. SIGNATURE .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.I/WE 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 ND B D ANY SUCCESSORS IN INTEREST. PROPERTY OWNER SIGNATURE FOR CITY USE ONLY RECEIVED NOV 14 2016 CITY OF CARLSBAD PLANNING DIVISION • DATE STAMP APPLICATION RECEIVED RECEIVED BY: P-1 Page 2 of 6 Revised 09/16 .6.00 Development Services C 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 /=tE-0s.el Le'`.1 R-2 r Corp/Part Title #4PP Lk—A 14.1 Title Address 2-911 Crfrre-Address Ate—L—(A.12 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 J ANN 1-".c)T Corp/Part Title 4.Title Address1 4 I (..j L/14 P Address r-•5.13/.19 CP 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 Profit/Trust 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? nYes rl 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 t best knowledge. 1001w 1.1•10 Signature of owner/date ignature of apPlicant/date Jot44.1 a.."Ne'ivt/..t.4 .1.44s Ot.icroo C4 4 7'. Print or type name of owner Print or type name of applicant klts Signature of owner/applicant's agent if applicable/date 1A Print or type name of owner/applicant's agent P-1(A)Page 2 of 2 Revised 07/10 r- .PROJECT DESCRIPTION Development ServicesCity of -1(B)Planning Division Carlsbad P 1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov PROJECT NAME:Iwi -- 4C.Li T AP 1>cr oc..4 /. APPLICANT NAME:-°Ab..A rz.I C-4'4 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: Co S c4..1P p...r /ez I .c7.4.14.-...c.• I. =• 4 C—Te4 c-2* F ct.Lir I f '.VI"E 0..30 4"..i 5 c)r - ,44.40 I C c 5•F.kL E.6-1 Ire.Frt-ez.D b Cr c.E..5 +to. 2-14 F 12-c)o tc•-•c.(r)$1.„C3 L t.F%-C cs.-0 f 4 L--INA ro T -7- c=1.-‘7V1.4.CA"12-F..fJ..4 E....- c.;"iz--ca 7.41—t P14.4 C__r LeJ 4.4 7/4_ 1.1._0 0 4...14,4./12-E.174k...,t.I.4.4 LA!. P-1(B)Page 1 of 1 Revised 07/10 e'''''.......„It I.4040.0. r HAZARDOUS WASTE Development Services City of AND SUBSTANCES Planning Division Carlsbad STATEMENT 1635 Faraday Avenue (760) 602-4610PA (C)www.carlsbadca.gov Consultation of Lists of Sites Related to Hazardous Wastes (Certification of Compliance with Government Code Section 65962.5), Pursuant to State of California Government Code Section 65962.5,I have consulted the Hazardous Waste and Substances Sites List compiled by the California Environmental Protection Agency and hereby certify that (check one): The development project and any alternatives proposed in this application are not contained on the /XS lists compiled pursuant to Section 65962.5 of the State Government Code. 0 The development project and any alternatives proposed in this application are contained on the lists compiled pursuant to Section 65962.5 of the State Government Code. APPLICANT PROPERTY OWNER Name:MI [,^11;zol (.3 ..1—Name:•.1614 IN TSC$LI 4-• "4-T 0. 4. Address:2--°I 1 I '''r'°"7 to S 7 •5 1• E--i.....1 Address:3 1 4-•5 14 t LI t4 L ‘41.7 pg„,. ,.........,54-k...c.&Ai.>C..4 .ci 1. G 4 4.'.....4 P...Lc.aA. 0 c.A .'1 1.-00 e. Phone Numberl (oC)"'-1 2--')''1 4.1 Phone Number: Address of Site:3 4 "'" 14 I c.4.‘...1 LAN i.:•..-PR-•..04 LI.*C .,4 P 1 Z.(:)a_- _-:) Local Agency (City and County):..-.."4-Po`--5 1:...4 r ,Co 641-.-r 'T-CiF•5.4A.4 k?ie cx Assessor's book, page, and parcel number:2--•''CP.•2.40.-a_•4-13. Specify list(s):c.--0 12--1.E..5 E_Lk.r • Regulatory Identification Number:N./A Date of List:t-i,/ A li•Io•f(0.Apyifiticignaure(/ate Property Owner Signature/Date 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 02/13 ..00N Nbise *moo a MINOR C•rty of COASTAL DEVELOPMENT PERMIT/Development Services Planning Division Carlsbad SINGLE FAMILY RESIDENCE APPLICATION 1635 Faraday Avenue (760) 602-4610 P-6 www.carlsbadca.gov A proposed project requiring multiple applications must be submitted prior to 3:30 p.m.A proposed project requiring only one application must be submitted prior to 4:00 p.m. 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 R4slic,lential Square Footage: C.0 ...square feet x $/sq. ft.=$ Residential Addition Square Footage: square feet x $/sq. ft. =$ Any Garage Square Footage: square feet x $/sq. ft. =$ Residential Conversion Square Footage: 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: $ B.Do you wish to apply for: 1.A Minor Coastal Development Permit (Under $60,000 cost estimate)g 2.A Coastal Development Permit ($60,000 or more cost estimate) C.Street address of proposed development P-6 Page 1 of 6 Revised 08/16 -, SOO'*Aid D.Assessor's Parcel Number of proposed development (442.S E.Development Description: Briefly describe project:Cos 4-c:5 s .F A TT.'s . F.Describe the present land uses (i.e. vacant land, single family homes, apartments, offices, etc.) that surround the proposed development to the: North:•F.t" South:F • East:"S •F •1.4 co.4 West:S F;A.— G.Is project located within a 100-year flood plain?El Yes 7 No II.PRESENT USE OF PROPERTY A.Are there existing structures on the property?)771 Yes El No If yes, please describe. .41,k\L $4.tc•:)E-TA-4-1-4.E.A2 C701-11—y NA B.Will any existing structure be removed/demolished?0 Yes No 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 2 21 sq. ft.6.. 2..I sq. ft.13.4--sq. ft.11.% Landscaped Area 48.46 sq. ft.—11-11 sq. ft.'O RA sq. ft.% Hardscape Area 3 2.Sr"sq. ft.513=.sq. ft./1617 sq. ft. Unimproved Area (Left Natural)c="sq. ft.e9 sq. ft.a sq. ft.4%)% P-6 Page 2 of 6 Revised 08/16 40E%, Skov B.Parking:Number of existing spaces 2. Number of new spaces proposed Existing/Proposed TOTAL: Number of total spaces required Number of covered spaces 2-0 Number of uncovered spaces Number of standard spaces Number of compact spaces Is tandem parking existing?El Yes #ZI No Is tandem parking proposed?El Yes #gl No C.Grade Alteration: Is any grading proposed?111 Yes J7 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 ea feet 4.Maximum height of cut slope 0 feet 5.Amount of import or export O cu. yds. 6.Location of borrow or disposal site P-6 Page 3 of 6 Revised 08/16 %OW AM% %.0110 i. 2275 Rio Bonito Way, Suite 160raTICOR TITLE'San Diego, CA 92108 Phone:(619) 260-0015 Issuing Policies of Chicago Title Insurance Company ORDER NO.:00439525-995-CY Escrow/Customer Phone:(760) 822-1659 Vivian Kidnew Title Officer:Cindy Youngers3945 Highland Drive Title Officer Phone:(619) 260-0015 Ext. 5218 Carlsbad, CA 92008 Title Officer Fax:(619) 692-9465 ATTN:Vivian Kidnew Title Officer Email:cindy.youngers@ticortitle.com Email:vtkidnew@yahoo.com Reference No.: Reference No.: PROPERTY:3945 Highland Drive, Carlsbad, CA 92008 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 orpolicies 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 CoveredRisks applicable to the CLTA and ALTA Homeowner's Policies of Title Insurance which establish a DeductibleAmountandaMaximumDollar 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 theissuanceofapolicy of title insurance and no liability is assumed hereby.If it is desired that liability be assumedprior 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 becarefully 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. CHICAGO TITLE INSURANCE COMPANYA.(By:' Authorized Signature *.wuPuNz. V; .I.tiT4 Gawk SoMay CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1IPrelm (DSI Rev. 8/15/16)Page 1 Order No.:00439525-995-SDT-CY _- fi."110% 'SAVoice %SO 2275 Rio Bonito Way, Suite 160 ra T1COR TITLE San Diego, CA 92108 Phone:(619) 260-0015 PRELIMINARY REPORT EFFECTIVE DATE:October 19, 2016 at 7:30 a.m. ORDER NO.:00439525-995-CY The form of policy or policies of title insurance contemplated by this report is: Condition of Title Report 1.THE ESTATE OR INTEREST IN THE LAND HEREINAFTER DESCRIBED OR REFERRED TO COVERED BY THIS REPORT IS: Fee Estate 2.TITLE TO SAID ESTATE OR INTEREST AT THE DATE HEREOF IS VESTED IN: John Tsoukatos and Vivian Kidnew,as Trustees of the Tsoukatos-Kidnew Family Trust dated August 17, 2006 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 Printed:11/12/2014 9:27 AM by DW1 IPrelm (DSI Rev. 8/15/16)Page 2 Order No.:00439525-995-SDT-CY 101.1•A•WW8.6.• '4410°. 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 DIEGO,STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: THAT PORTION OF TRACT 242 OF THUM LANDS,IN THE CITY OF CARLSBAD,COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, ACCORDING TO THE MAP THEREOF NO.1681,FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, DECEMBER 9,1915, TOGETHER WITH THAT PORTION OF PARCEL 1 OF PARCEL MAP 15096,IN THE CITY OF CARLSBAD,COUNTY OF SAN DIEGO,STATE OF CALIFORNIA,FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY,JANUARY 4,1988 AS FILE NO. 88-000448 OF OFFICIAL RECORDS, DESCRIBED AS FOLLOWS: BEGINNING AT THE MOST EASTERLY CORNER OF PARCEL 2 OF SAID PARCEL MAP 15096,SAID CORNER ALSO BEING THE MOST EASTERLY CORNER OF THE PROPERTY SHOWN ON RECORD OF SURVEY 10804,IN THE CITY OF CARLSBAD, COUNTY OF SAN DIEGO, STATE OF CALIFORNIA, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, DECEMBER 1,1986 AS FILE NO. 86- 552371 OF OFFICIAL RECORDS;THENCE ALONG THE WESTERLY SIDELINE OF HIGHLAND DRIVE AS SHOWN ON SAID PARCEL MAP AND SAID RECORD OF SURVEY,NORTH 28°39'00" WEST 20.00 FEET TO THE TRUE POINT OF BEGINNING;THENCE CONTINUING ALONG SAID WESTERLY SIDELINE NORTH 28°39'00"WEST 110.08 FEET;THENCE LEAVING SAID WESTERLY SIDELINE,SOUTH 61 °21 '00"WEST 96.40 FEET; THENCE SOUTH 28°39'00" EAST 110.08 FEET; THENCE NORTH 61 021 '00"EAST 96.40 FEET TO THE TRUE POINT OF BEGINNING. SAID PROPERTY BEING DESCRIBED AS PARCEL "A"IN A CERTIFICATE OF COMPLIANCE RECORDED ON FEBRUARY 8,2002 AS FILE NO. 2002-110676 OF OFFICIAL RECORDS OF SAID SAN DIEGO COUNTY. APN:206-262-45-00 CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1 IPrelm (DS' Rev. 8/15/16)Page 3 Order No.:00439525-995-SDT-CY pow %me ="1104. .4.00 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: 1.Property taxes,including any personal property taxes and any assessments collected with taxes, are as follows: Tax Identification No.:206-262-45-00 Fiscal Year:2016-2017 1st Installment:$4,401.75, open (Delinquent after December 10) Penalty:$440.17 2nd Installment:$4,401.75, open (Delinquent after April 10) Penalty and Cost:$450.17 Homeowners Exemption:$0.00 Code Area:09000 2.The lien of supplemental or escaped assessments of property taxes,if any,made pursuant to the provisions of Chapter 3.5 (commencing with Section 75)or Part 2,Chapter 3,Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 3.Any liens or other assessments,bonds,or special district liens including without limitation,Community Facility Districts, that arise by reason of any local, City, Municipal or County Project or Special District. 4.Water rights, claims or title to water, whether or not disclosed by the public records. 5.Easement(s)in favor of the public over any existing roads lying within said Land. 6.Matters contained in that certain document Entitled:Hold Harmless Agreement-Drainage Recording Date:December 5,1986 Recording No:86-564235, Official Records Reference is hereby made to said document for full particulars. 7.Matters contained in that certain document Entitled:Contract for Future Public Improvements Recording Date:July 20, 1987 Recording No:87-405039, Official Records Reference is hereby made to said document for full particulars. 8.Matters contained in that certain document Entitled:Sewer Maintenance Agreement Recording Date:August 14,1987 Recording No:87-461701, Official Records Reference is hereby made to said document for full particulars. CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1 IPrelm (DSI Rev. 8/15/16)Page 4 Order No.:00439525-995-SDT-CY PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE: EXCEPTIONS (Continued) 9.Various matters including, but not limited to, requirements for developing or improving the Land, proposed easements, covenants, conditions, restrictions and provisions set forth on Parcel Map No.15096 10.Easement(s) for the purpose(s) shown below and rights incidental thereto as set forth in a document: Purpose:ingress, egress, road and utilities and incidental purposes Recording Date:December 10,1990 Recording No:90-655815, Official Records Affects:said land more particularly described therein Said Easement was corrected by instrument Recording Date:October 29, 2001 Recording No:2001 -783157, Official Records Said easement has been granted and/or reserved in various instruments of record. 11.A deed of trust to secure an indebtedness in the amount shown below, Amount:$417,000.00 Dated:March 27, 2012 Trustor/Grantor John Tsoukatos and Vivian Kidnew, husband and wife as joint tenants Trustee:First American Title San Diego Beneficiary:Mortgage Electronic Registration Systems as nominee for American Internet Mortgage, Inc. Loan No.:12130266 Recording Date:April 3,2012 Recording No:2012-191008, Official Records A substitution of trustee under said deed of trust which names, as the substituted trustee, the following Trustee:American Internet Mortgage, Inc., a California corporation Recording Date:September 24, 2015 Recording No:2015-504874, Official Records The effect of a full reconveyance recorded September 24,2015 at Recording No. 2015-504875,Official Records, which purports to reconvey the above-mentioned Deed of Trust. No statement is made hereto as to the effect or validity of said reconveyance. The requirement that this Company be furnished with confirmation from the lender that the Deed of Trust has been released prior to issuance of a policy of title insurance. 12.Please be advised that our search did not disclose any open Deeds of Trust of record. If you should have knowledge of any outstanding obligation,please contact the Title Department immediately for further review prior to closing. CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1 IPrelm (DSI Rev. 8/15/16)Page 5 Order No.:00439525-995-SDT-CY oft %we is PRELIMINARY REPORT Ticor Title Company of California YOUR REFERENCE: EXCEPTIONS (Continued) 13.Any invalidity or defect in the title of the vestees in the event that the trust referred to herein is invalid or fails to grant sufficient powers to the trustee(s) or in the event there is a lack of compliance with the terms and provisions of the trust instrument. If title is to be insured in the trustee(s) of a trust, (or if their act is to be insured), this Company will require a Trust Certification pursuant to California Probate Code Section 18100.5. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. 14.If the Land is located within the area affected by a Geographic Targeting Order issued by FinCEN (California counties of Los Angeles,San Diego,San Francisco,Santa Clara and San Mateo),the Company must be supplied with a completed ALTA Information Collection Form ('ICF"). 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 Printed:11/12/2014 9:27 AM by DW1 IPrelm (DSI Rev. 8/15/16)Page 6 Order No.:00439525-995-SDT-CY IV. PRELIMINARY REPORT %moo Ticor Title Company of California YOUR REFERENCE: 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 or 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 of certain 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. 2.The Company will require either (a) a complete copy of the trust agreement and any amendments thereto certified by the trustee(s) to be a true and complete copy with respect to the hereinafter named trust, or (b)a Certification,pursuant to California Probate Code Section 18100.5,executed by all of the current trustee(s) of the hereinafter named trust, a form of which is attached. Name of Trust:The Tsoukatos-Kidnew Family Trust dated August 17,2006 END OF REQUIREMENTS CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1 IPrelm (DS' Rev. 8/15/16)Page 7 Order No.:00439525-995-SOT-CY PRELIMINARY REPORT eftN, %WO' A•08114k,Ticor Title Company of California .~00iYOUR REFERENCE: INFORMATIONAL NOTES SECTION 1.Note:The only conveyance(s) affecting said Land, which recorded within 24 months of the date of this report, are as follows: Grantor:John Tsoukatos and Vivian Kidnew, husband and wife, as community property Grantee:John Tsoukatos and Vivian Kidnew, as Trustees of the Tsoukatos-Kidnew Family Trust dated August 17,2006 Recording Date:October 30, 2015 Recording No:2015-568232, Official Records 2.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. 3.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 Single Family Residential properties,known as 3945 Highland Drive,located within the city of Carlsbad,California,92008,to an Extended Coverage Loan Policy. 4.Note:Please contact your Title Officer to obtain the current recording fees.Ticor Title Company of California will pay Chicago Title Insurance Company 12% of the title premium, as disclosed on lines 1107 and 1108 of the HUD-1. 5.Note:The policy of title insurance will include an arbitration provision. The Company or the insured may demand arbitration.Arbitrable matters may include,but are not limited to,any controversy or claim between the Company and the insured arising out of or relating to this policy, any service of the Company in connection with its issuance or the breach of a policy provision or other obligation.Please ask your escrow or title officer for a sample copy of the policy to be issued if you wish to review the arbitration provisions and any other provisions pertaining to your Title Insurance coverage. END OF INFORMATIONAL NOTES Cindy Youngers/dw1 CLTA Preliminary Title Report Printed:11/12/2014 9:27 AM by DW1 IPrelm (DSI Rev. 8/15/16)Page 8 Order No.:00439525-995-SDT-CY 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 information and explains the choices you have regarding that information.A summary of our privacy practices is below.We also encourage you to read the complete Privacy Notice following the summary. Types of Information Collected. You may provide us with How Information is Collected. We may collect personal certain personal information,like your contact information,information directly from you from applications,forms,or social security number (SSN),driver's license,other communications we receive from you,or from other government ID numbers,and/or financial information.We sources on your behalf,in connection with our provision of may also receive information from your Internet browser,products or services to you. 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Your decision to submit When We Share Information.We may disclose your personal information is entirely up to you.You can opt-out information to third parties providing you products and of certain disclosures or use of your information or choose services on our behalf,law enforcement agencies or to not provide any personal information to us.governmental authorities, as required by law, and to parties with whom you authorize us to share your information. Information From Children. We do not knowingly collect Privacy Outside the Website. We are not responsible for information from children under the age of 13,and our the privacy practices of third parties,even if our website websites are not intended to attract children.links to those parties' websites. Access and Correction.If you desire to see the Do Not Track Disclosures. 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If you have questions or wish to contact us information to us and using our websites, you are accepting regarding this Privacy Notice,please use the contact and agreeing to the terms of this Privacy Notice.information provided at the end of this Privacy Notice. FNF Privacy Notice (Eff. April 1,2016)Printed:11/12/2014 9:27 AM by DW1 MISCO219 (DSI Rev. 8/15/16)Page 1 Order No.:00439525-995-SDT-CY e"."' N4001 FIDELITY NATIONAL FINANCIAL, INC. PRIVACY NOTICE FNF respects and is committed to protecting your privacy.•Cookies.From time to time,FNF may send a "cookie" We pledge to take reasonable steps to protect your to your computer when you visit the Website. 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The Browsing Information •protect the rights,property or personal safety of FNF, includes only generic information and reveals nothing its users or the public. personal about the user.We make efforts to ensure third party contractors and service providers who provide services or perform FNF Privacy Notice (Eff. April 1,2016)Printed:11/12/2014 9:27 AM by DW1 MISCO219 (DSI Rev. 8/15/16)Page 2 Order No.:00439525-995-SDT-CY • •functions on our behalf protect your information.We limit The California Online Privacy Protection Act use of your information to the purposes for which the For some websites which FNF or one of its companies owns, information was provided.We do not give or sell your such as the Customer CareNet ("CCN"),FNF is acting as a information to third parties for their own direct marketing third party service provider to a mortgage loan servicer.In use.those instances, we may collect certain information on behalf of that mortgage loan servicer, including: We reserve the right to transfer your Personal Information,•first and last name; Browsing Information,as well as any other information,in •property address; connection with the sale or other disposition of all or part of •user name and password; the FNF business and/or assets,or in the event of our •loan number; bankruptcy,reorganization,insolvency,receivership or an •social security number -masked upon entry; assignment for the benefit of creditors.You expressly •email address; agree and consent to the use and/or transfer of this •security questions and answers; and information in connection with any of the above-described •IP address. proceedings. We cannot and will not be responsible for any The information you submit is then transferred to yourbreachof security by any third party or for any actions of mortgage loan servicer by way of CCN. The mortgage loananythirdparty that receives any of the information that is servicer is responsible for taking action or making disclosed to us.changes to any consumer information submitted through Choices With Your Information this website.For example,if you believe that your Whether you submit your information to FNF is entirely up to payment or user information is incorrect,you must you. If you decide not to submit your information, FNF may not contact your mortgage loan servicer. be able to provide certain products or services to you.You CCN does not share consumer information with third parties, may choose to prevent FNF from using your information under other than those with which the mortgage loan servicer has certain circumstances Copt out"). 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The Website is meant for adults. The Website is not intended 601 Riverside Avenue or designed to attract children under the age of thirteen (13).Jacksonville, Florida 32204 We do not collect Personal Information from any person that Attn: Chief Privacy Officer we know to be under the age of thirteen (13)without Your Consent To This Privacy Notice permission from a parent or guardian.By submitting Personal Information and/or Browsing Privacy Outside the Website Information to FNF,you consent to the collection and use of The Website may contain links to other websites,including information by FNF in compliance with this Privacy Notice. We links to websites of third party service providers.FNF is not reserve the right to make changes to this Privacy Notice. If we and cannot be responsible for the privacy practices or the change this Privacy Notice, we will post the revised version on content of any of those other websites.the Website. International Users Contact FNF Because FNF's headquarters is located in the United States,Please send questions and/or comments related to this we may transfer your Personal Information and/or Browsing Privacy Notice by email at privacy@fnf.com or by mail at: Information to the United States.By using our website and Fidelity National Financial, Inc.providing us with your Personal Information and/or Browsing 601 Riverside Avenue Information,you understand and consent to the transfer,Jacksonville, Florida 32204 processing and storage of such information outside your Attn: Chief Privacy Officer country of residence,as well as the fact that we will handle such information consistent with this Privacy Notice.Copyright © 2016. 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:11/12/2014 9:27 AM by DW1 MISCO219 (DSI Rev. 8/15/16)Page 3 Order No.:00439525-995-SDT-CY ...maim OW 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 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 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 (CTIC) 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 (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;(iii)a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b)Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2.Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3.Defects, liens, encumbrances, adverse claims or other matters: (a)whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b)not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c)resulting in no loss or damage to the insured claimant; (d)attaching or created subsequent to Date of Policy; or (e)resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4.Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5.Invalidity or unenforceability of the lien of the insured mortgage,or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6.Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE -SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2.Any facts,rights,interests,or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3.Easements, liens or encumbrances, or claims thereof, not shown by the public records. 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 -,MN MI 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:$2,500.00 (whichever is less)$ 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% 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)$5,000.00 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 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 Aft\ Ned 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 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 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 *we 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 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 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.) 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 CNome (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. 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'LI.9a°ea.FA')'' ,'10'e fn e',,C '''.i ...„(...W-..t...•..).3t1:I..t" - .__),`G. „:,'''- __.;,___--- -,--,..1-. „.... -,„.-1....'..°±- '.,.L.co ‘..•..t. .0... ...so kaH---- •_ - .1.11 \'‘'7'',.,t 1 .,rfvv*,.0 1(.4.,...,'"c3.„ .t...(:. - .:..E5'- ,t -4.:;:,-..„'-'.,-1 rm..„....,••0 00 .*.c...,C),_„.o.*„.'.ec .'.0 e;'''':-...-i••C,F.LI ..f..r„,.....,3 0 .it..r 0 o -'7 0 0 g4r;1 ill 0P .7 elvly.„.0 44 t.....-c ini1C -t''.ft1 ®:,1 . dt:p 'z %•,.,, -_ ,--0 t- ..-el*.0+,''c''0 -.;2%g ...s). :41' ''.'a .'2.1 rt,'t 0 .I 0 :'.44.5 '.s" ,4 „. ,re 11)AC 7 ' e.ill 111.1 A.'' -0 .2.4...-7; V3 This map 'plat is being furnishedas an aid in locating-the herein described Land in relation to adjoining streets, natural boundaries and other land, and is not a surveyofthe land depicted_ Except to the extent apolicy of title insurance is expressly-modified by endoriement,ifany, the Company does not insure dimensions, distances, location ofeasements, Order: 00139525 acreage or otlitgltarrotstovat thereon.P.c\zucct'd By: TICNA11.01, Printed:11/2/2016 6:11 AM