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CDP 2017-0073; GAGNON RESIDENCE; Coastal Development Permit (CDP)
Development Services (.1 City of LAND USE REVIEW 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) Coastal Development Permit Minor 00 7i General Plan Amendment Conditional Use Permit D Local Coastal Program Amendment Minor E Extension Day Care (Large)0 Master Plan 0 Amendment O Environmental Impact Assessment 0 Specific Plan E Amendment O Habitat Management Permit E Minor El Zone Change Hillside Development Permit E Minor Zone Code Amendment NCI" 1$-Nonconforming Construction Permit' 2.01 -0 00 3 South Carlsbad Coastal Review Area Permits O Planned Development Permit 0 Minor Review Permit 111 Residential Non-Residential D Administrative D Minor D Major Planning Commission Determination El Reasonable Accommodation Village Review Area Permits Site Development Plan D Minor Review Permit E Special Use Permit E Administrative Minor Major E Tentative Parcel Map (Minor Subdivision) Tentative Tract Map (Major Subdivision) n Variance 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):20(4 -27 0-3 ci LOCATION OF PROJECT:3 t hEytnizeX__. (STREET ADDRESS) NAME OF PROJECT:G /5t6EIV 0 r\i'e_5 BRIEF DESCRIPTION OF PROJECT:am s+i hg b edrooni ape/+heaold1-1 -1 ell of a ha hroonnb room PROJECT VALUE ESTIMATED COMPLETION DATE 2 _co(SITE IMPROVEMENTS)st Lis r1 o5 o° FOR CITY USE ONLY Development No.20 a 02.33 Lead Case No.Ccip owl 3 P-1 Page 1 of 6 Revised 03/17 • OWNER NAME (PLEASE PRINT).APPLICANT NAME (PLEASE PRINT) INDIVIDUAL NAME INDIVIDUAL NAME (if applicable):Teirr Gas inn_(if applicable):erdaL2-1 G Ai& N Or%) COMPANY NAME J COMPANY NAME (if applicable):f4A (if applicable):14A MAILING ADDRESS:aii_aq..q.tJot-}f AR ki" 6.MAILING ADDRESS:z 424 4 NI OrnAke."... ei- CITY, STATE, ZIP:V-7.1 we.tko.cAt.f 355 CITY,STATE, ZIP:W}LeticiA i CA 4135g TELEPHONE:S)19-909 -a33 t TELEPHONE:SW) Anck-2331EMAIL ADDRESS:-f-errj GroppAc I ic+cowl EMAIL ADDRESS+der 1 t)c a.cict cti.ck .taA.. 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 MTH PLICATION.D - URE WirtreN DAE2. --17 14SURESIGNURE I DA(TEEl '-r7 APPLICANT'S REPRESENTATIVE (Print):Pi I A 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 AND BIN' SUCCESSORS IN INTEREST. _... ..a ... 4 .424 'ROPER 'OW 1 -SIGNATURE L :-•i.1 - IDFOR CITY USE ONLY r" NOV 0 3 2017 7) •DATE STAMP APPLICATION RECEIVED RECEIVED BY: CAA:Us /titieCtenJ P-1 Page 2 of 6 Revised 03/17 • .•1 • MINORbtyOfCOASTAL DEVELOPMENT PERMIT/ SINGLE FAMILY RESIDENCE Development Services Planning Dbrision Carlsbad 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 projects 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:• square feet x $/sq. ft.=$ Residential Addition Square Footage:70 squarefeetx$161.50 /sq. ft. =$4 5 , 1- 1 Ca 5.Do 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 (Le.Retail/Store;Restaurants; Office; and Manufacturing/Warehouse uses.)•• square feet x $/sq. ft. =$ •• COST OF DEVELOPMENT ESTIMATE: $5/r7G 5 00 B.Do you wish to apply for:• 1.A Minor Coastal Development Permit (Under $60,000 cost estimate)gr • 2.A Coastal Development Permit ($60,000 or more -cost estimate)•• •C.Street address of proposed develbnpment 315 Hem lock.4ve Page 1 of 6 Revised OMB .• D.Assessor's Parcel Number of proposed development 04--9.-7 0 0c4 E.Development Description: Briefly describe project Add 14-10-X—becfr o 0- Yvk aAkci Ectot.i sit i t hecl ro o net F.Describe the present land uses (Le. vacant land, single family homes, apartments, offices, etc.) that surround the proposed development to the: North:5 F R South:5 F IZ • East TY\ u LT-t FA-An t West S ._ G.Is project located within a 100-year flood plain? Yes No • • • II.PRESENT USE OF PROPERTY • A.Are there existing structures on the property?{Yes 0 No .If yes, please describe.5 F B.Will any existing structure be removed/demolished?D Yes ELNo 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 Totat Building Coverage . (4.32-sq. ft.27 D sq. ft.t ,g 62-sq. ft.2-7 % Landscaped Area sq.ft sq. ft.sq. ft.• Hardscape Area 'sq. ft.sq.ft sq. ft.• Unimproved Area (Left Natural)sq.ft sq. ft.sq. ft. p-e Page 2 of 8 Revised C8ti8 • • B.Parking:Number of existing spaces Number of new spaces proposed Existing/Proposed TOTAL:'Z Number of total spaces required Number of covered spaces 2. Number of uncovered spaces Number of standard spaces 2-- Number of compact spaces Is tandem parking existing? Yes #[No Is tandem parking proposed? Yes #ig No• C.Grade Alteration: Is any grading proposed? Yes.[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 • • •• • • Page 3 otE1 Revised 08/16 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.)•R.Gdo,rz op)A r•sc>• Person (14 AR-141•1 G '4 c"`Corp/Part 1.4 fl%---c-Rus-vGes of 714E GP.gr r4Or- Title Aryl t T'Svcr pAT ex)re140.0 Title IV A ,20o2 Address 2-42-44 N OT7 ra tNA fv\ca..Address N A V Pit.gent G1.4 GA ct N -35G- 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-profrt,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.)estiz-r.R. GPr no or..1 P4r40 lev-t •G PcC.Ann of"Tit EPerson GA rs.)A nes ."My r Corp/Part NI A.. OAT rv%Petz.CAI 1z, Title Title iv 1 A Address -2.4-2..\-kLI 1•4121T-Irsife.4404 C.T _Address IV I Pr V 14'1.e-roc.10,CA cl 5 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 'T -c2-1-?-•/GAcc.f.x./..1 Non Profit/Trust vv‘ Poz G-A-GNOA) Title i -Ru s t Title e- Address z Lvz-Lk acrino a4+.ik.v‘c.-c-Address 2*-Z.4 4 0.1 oTrin1 ye. VAL GiA CA ct‘ISC Viev LierJ ci A CA G L35c 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? Yes jgNo 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. l Sigriatur of er/d Signature of a plicant/diare\ - OR-2 -1 C-DA--67 P.1 0 e e r./1 (1)Niof.) Print or type name of owner Print or type n me of applicant iJ I4Signature of owner/applicant's agent if applicable/date NIAPrint or type n me of owner/applicants agent • P-1(A)Page 2 of 2 .Revised 07/10 • CI of PROJECT DESCRIPTION Development Services Planning Division Carlsbad P-1(8)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov PROJECT NAME:•soc-GINI0 g <Recto ir-i R.A-en'cp.)andrsn C.&Ulna.,APPLICANT NAME:Miz‘js.ra 5 0.c C.o.csyt.of.A "Pkiv 1.oLcc.3rect Arc..tz.,. 2-002:Please describe fully the proposed proP applicationcation 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: We paopose A-Dc.A.01311-101-1 Pct.S 13.0 F 0 errft C.e TO it.44 cf.\zTiN L.13 e5)T2-0 0 rse‘ANO -T0 AO 6 A As '13 Perue ft 0 0 vv%T b 7)-(S 5 (114)5e.-Dr2-00r --\• • rrw‘c 15-0017 -1014 4'1-3 N OT k (3 Le -'Fr2-01^",- 114-e 5112,e -el -. • • • • • • P-1(3)Page 1 of 1 Revised 07/10 • • ,--- HAZARDOUS WASTE Development Services(City of AND SUBSTANCES Planning Division Carlsbad STATEMENT 1635 Faraday Avenue (760) 602-4610 P-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): iThe 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. 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:7;12.V CA--(..NO A)Name:S A-•viE Address:315 FE enelt.o cv-,kil q.Address: CM-LS(6M),CA cizoog Phone Number:Ste)—CV2.et -2.e-6 r3 t Phone Number: Address of Site:S km e Local Agency (City and County): Assessor's book, page, and parcel number. Specify list(s): Regulatory Identification Number. Date of List .------....------ I I1-3 -1 - 1 Al-3 -11 Appllic7A Sign ure/to Property Owner Sig ure/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 4' t .A CLTA Preliminary Report Form Order Number:5543029 (Rev. 11/06)Page Number:1 I First American Title First American Title Company 655 North Central Avenue, 8th Floor Glendale, CA 91203 California Department of Insurance License No.151 Order Number:5543029 (MP) Title Officer:Michelle Pascual Phone:(818)550-2517 Fax No.:(866)878-7977 E-Mail:mpascual@firstam.com Property:315 Hemlock Avenue Carlsbad, CA 92008 PRELIMINARY REPORT In response to the above referenced application for a policyof title Insurance, this company hereby reports that it is prepared to issue, or cause to be Issued, as of the date hereof, a Policy or Polices of Title Inarance describing the land and the estate or Interest therein hereinafter set forth, ksorIng against loss which may be sustained by reason of any defect, lien or erkumbrance not shown or referred to as an Exception below or not eeduded from coverage puma& to the printed Schedules, Conditions and Stipulations of saki Policy forms. The prkted !Exceptions and Exciusiors from the coverage and Limitations on Covered alder of said poky or policies are set forth in Exhibit A atrachect. The policy to be issued may contain an arbitradort clause. When the Amount of Insurance is less than that set forth In the arbitration clause, all arbitrable matters shaa be arbitrated at the option of either the Company or the Insured as the eoduskte remedy of the parties. Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner's PoNcies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of liability for certain coverages are also set forth in Exhibit A. Copies of the policy forms should be reed. They are available from the office which issued this report. Name reed the exceptions shown or mitered to below and the exceptkms and exclusions set forth in ExhIbitA of this report carefully. The exceptions and exchodons are meant to provide you with notice of matters which are not covered under the terms of the title Insurance policy and should be carefully considered. it is important to note that this preliminary report is nota written representation as to the condition oftitleand may not list all flans, defects, and encumbrances affecting title to the land. This report (and any suppements or amendments hereto) is Issued solely for the purpose of fadEitattng the issuanceofa policy of title insurame and no liability Is assumed hereby.IfIt Is desired that lability be assumed prior to the Issuance ofa policy oftitle Insurance,a Binder or Commitment should be requested. RatAmerican 77de Page 1 of 14 • Order Number:5543029 Page Number 2 •Dated as of September 06, 2017 at 7;30 A.M. The form of Policy of title Insurance contemplated by this report is: ALTA/CLTA Homeowner's (EAGLE)Poky of Title Insurance (2010) and ALTA Ext Loan Policy 1056.06 (06-17-06)if the land described is an improved residential lot or condominium unit on which there is located a one-to-four family residence; or ALTA Standard Owner's Policy 2006 (WRE 06-17-06) and the ALTA Loan Policy 2006 (06-17-06) if the land described is an unimproved residential lot or condominium unit A specific request should be made If another form or additional coverage is desired. Title to said estate or interest at the date hereof is vested in: Terry R. Gagnon and Marian C.Gagnon, trustees of the Gagnon family tnist dated March 12, 2002 The estate or interest In the land hereinafter described or referred to covered by this Report is: FEE The Land referred to herein is described as follows: (See attached Legal Description) At the date hereof exceptions to coverage In addition to the printed Exceptions and adusions in said policy form would be as follows: 1.General and special taxes and assessments for the fiscal year 2017-2018,a lien not yet due or payable. 2.The lien of supplemental taxes,if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of the California Revenue and Taxation Code. 3.Any and all offers of dedications, conditions, restrictions, easements, notes and/or provisions shown or disclosed by the filed or recorded map referred to in the legal description. First American Title Page 2 of 14 Order Number:5543029 Pape Number:3 4.A deed of trust to secure an original Indebtedness of $701,250.00 recorded June 06, 2007 as INSTRUMENT NO. 07-382895 OF OFFICIAL RECORDS. Dated:June 01, 2007 Trustor:TERRY GAGNON AND MARIAN GAGNON, HUSBAND AND WIFE, AS JOINT TENANTS Trustee:FIRST SOUTHWESTERN TITLE Beneficiary:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. LENDER:SECURITYNATIONAL MORTGAGE COMPANY S.A deed of trust to secure an original indebtedness of $140,250.00 recorded June 06, 2007 as INSTRUMENT NO. 07-382896 OF OFFICIAL RECORDS. Dated:June 01, 2007 Trustor:TERRY GAGNON AND MARIAN GAGNON, HUSBAND AND WIFE, AS JOINT TENANTS Trustee:FIRST SOUTHWESTERN TITLE COMPANY Benefidary:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. LENDER:SECURITYNATIONAL MORTGAGE COMPANY 6.Water rights, claims or title to water, whether or not shown by the public records. Prior to the issuance of any policy of title insurance, the Company will require: 7.With respect to the trust referred to in the vesting: a. A certification pursuant to Section 18100.5 of the California Probate Code in a form satisfactory to the Company. b. Copies of those excerpts from the original trust documents and amendments thereto which designate the trustee and confer upon the trustee the power to act in the pending transaction. c.Other requirements which the Company may impose following its review of the material required herein and other information which the Company may require. firstAmerkan Tide Page 3 of 14 Crier Number:5543029 Page Number:4 INFORMATIONAL NOTES Note: The policy to be Issued may contain an arbitration clause. When the Amount of Insurance is less than the certain dollar amount set forth in any applicable 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.If you desire to review the terms of the policy, induding any arbitration clause that may be included, contact the office that issued this Commitment or Report to obtain a sample of the policy jacket for the policy that is to be issued in connection with your transaction. 1.General and special taxes and assessments for the fiscal year 2016-2017. First Installment:$4,665.83, PAID Penalty:$0.00 Second Installment:$4,665.83, PAID Penalty:$0.00 Tax Rate Area:09000 A. P. No.:204-270-09-00 2.This report Is preparatory to the Issuance of an ALTA Loan Policy. We have no knowledge of any fact which would prelude the issuance of the policy with CLTA endorsement forms 100 and 116 and if applicable, 115 and 116.2 attached. When issued, the CLTA endorsement form 116 or 116.2,if applicable will reference a(n) Single Family Residence known as 315 HEMLOCK AVENUE, CARLSBAD, CA 3.According to the public records, there has been no conveyance of the land within a period of twenty four months prior to the date of this report, except as follows: A document recorded October 18, 2016 as INSTRUMENT NO. 16-561440 OF OFFICIAL RECORDS From:TERRY GAGNON AND MARIAN GAGNON, HUSBAND AND WIFE AS JOINT TENANTS To:TERRY R. GAGNON AND MARIAN C. GAGNON, TRUSTEES OF THE GAGNON FAMILY TRUST •DATED MARCH 12, 2002 NOTE to proposed insured lender only: No Private transfer fee covenant, as defined in Federal Housing Finance Agency Final Rule 12 CFR Part 1228, that was created arid first appears in the Public Records on or after February 8, 2011, encumbers the Title except as follows: None The map attached,if any, may or may not be a survey of the land depicted hereon. First American expressly disclaims any Liability for loss or damage which may result flout reliance on this map except to the extent coverage for such loss or damage is expressly provided by the terms and provisions of the title Insurance policy,if any, to which this map Is attached. First Amerkan Tide Page 4 of 14 Order Number:5343029 Page Number:5 LEGAL DESCRIPTION Real property in the City of Carlsbad, County of San Diego, State of California, desaibed as follows: LOT 18 IN BLOCK *M` OF PALISADES ACCORDING TO MAP THEREOF NO.1747, FILED IN THE OFFICE OF THE COUNTY RECORDER OF SAN DIEGO COUNTY, FEBRUARY 5, 1923. EXCEPTING THEREFROM THE SOUTHWESTERLY 90/5 FEET. ALSO EXCEPTING THEREFROM THE SOUTHEASTERLY 147.08 FEET. APN:204270-09-00 FirstArnenrcan Tide Page 5 of 14 \._,,,—.. Order Number.5543029 Page Number:6 A 7Alrfair[111111 II 1fibi.11 111111 1 liglifracr-'17.tunEieninwmammamsm il .b ...... illiLE111A16':.41111111111111111111111 I 41 a,...,4 N15 szoleremocommiliummilliu g i i 11 a._.,EMitiiIiiiiiIIIiiiiiiiiiii g u 1 ,,,0 sa.3.liugN`. P1 ill I 12-9- IE I :--1 Cit) 1 I 1 Ci i Li.-- 3 AY a a 2 54OVVVINV1 •t• .r''''Z ....r •fi"Cr ..1.a 01- 9%..._....,• re 4.....2147i.... )1. rz.x 4..I mlfy(i5TEStfirli'ilt Fr ' .th4 ® ei-.P....r...0 ®R ®;...-."(0)2 ;:p ...,.,.-'-x...„."ii -gio C4) c"4 Cnft..-9.ft i AE®!LI i:C T!'-'®"-.e.t. ®2 ®'"®IL, G)t) oct iIt..- ,rs® 11 4)-, !.......,rr 9 'owe.g :,.0 t..4;64M I 4 3 AV a o o m a 3 td It '.-.. `-fa)mr- — .1 It1iCOGIWI(I)0 _g.0 N 10.9 CDNO ®92 (5..G.=@ k 1.A -1 $'--®14 1 g Es I26%—2 3- . s -4®ev r.-,1 c'D 6 ®©i- CI CI (1.e ® ii C)2 +tcLiNd •.--Lwz-....c)A 1 ..it. rglp.Q s._/ S'INI P L1.;A PP?+...g-I..PA .7 PA......:i' .r..'aAu _.._-—' 1 3 AV )4001H3H 4 CD i 1 r. ; tg e hi .cn f5114MEM IZEMEISE ihL.-*CZ • fits t-American Tide Page 6 of 14 ,7 Order Number.5543029 Page Number:7 NOTICE Section 12413.1 of the California Insurance Code, effective January 1,1990, requires that any title Insurance company, underwritten title company, or controlled escrow company handling funds in an escrow or sub- escrow capacity, watt a specified number of days after depositing funds, before recording any documents In connection with the transaction or disbursing funds. This statute aHows for funds deposited by wire transfer to be disbursed the same day as deposit In the case of cashier's checks or certified checks, funds may be disbursed the next day after deposit. In order to avoid unnecessary delays of three to seven days, or more, *act-use wire transfer, cashier's checks, or certified checks whenever possible. • RatArneric3n Title Page 7 of 14 Order Number:5543029 Page Norte':8 INCOMING DOMESTIC WIRE INSTRUCTIONS Beware of cyber-crimel If you receive an e-mail or any other communication that appears to be generated from a First American Title Company employee that contains new, revised or altered bank wire instructions, consider it suspect and call our office at a number you trust **Our Wire Instructions Do Not Change. ** Funds from other than buyer or seller: Other than funds from a designated lender, real estate agent or broker, or the attorney of record, we will only accept Incoming wires that are from the buyer or seller on a transaction. Other third party deposits not accompanied by appropriate instructions will be returned to the remitter. Funds from a US. Bank Funds should be wired from a bank within the United States.Notify our office at (818)242-5800 when you have transmitted your wire. Funds from a non-US. Bank:If your funds are being wired from a non-U.S. bank, additional charges may apply.Contact our office for Incoming International Wiring Instructions. ACH Transfers are NOT wire transfers:An ACH transfer is not immediately available funds and requires additional time for dearance.An ACH transfer cannot be accepted for an imminent dosing. Acceptance of ACH transfers are subject to state law. Contact our office at (818)242-5800 prior to sending funds by ACH transfer. Contact our office at (818)242-5800 when funds are sent PAYABLE TO:First American Title Company BANK:First American Trust,FSB ADDRFSS 5 First American Way, Santa Ana,CA 92707 ACCOUNT NO.:3013510000 ROUTING NUMBER 122241255 PLEASE REFERENCE THE FOLLOWING; PROPERTY:315 Hemlock Avenue,Carlsbad, CA 92008 FILE NUMBER:5543029 WIRES MAY BE RETURNED IF THE FILE NUMBER AND PROPERTY REFERENCE ARE NOT INCLUDED First American Title Page 8 of 14 , Order Number:5543029 Page Number:9 EXHian"A LIST OF PRINTED EXCEPTIONS AND IECCWSIONS ($Y POLICY TYPE) CLTA STANDARD COVERAGE POLICY—1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company wW not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1.(a)My 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;(11I)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 muftis at Date of Poky. (b)Any governmental police power not excluded by (a) above, except to the extent thata notice of the exerdse thereof or notice ofa defect,Den 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 ofa 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 claimer* (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 claimer* (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 arty 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 a-editors' rights laws. EXL±P IIONS FROM COVERAGE -SCHEDULE B, PART I This policy does riot 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 fads, 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, Bens 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 11%1116, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are si RN.t by the public records. 6.My lien or right to a lien for services, labor or material not shown by the public records. CLTA/ALTA HOMEOWNER'S POLICY OF TIME INSURANCE (12-02-13) EXCLUSIONS In addition to the Exceptions In Schedule B, You are not insured against foss, costs, attorneys' fees, and expenses resitting from: 1.Governmental police power, and the existence or violation of those portions of any taw or government regulation concerning: a.building; b.zoning; c.land use; First American Thie Page 9 of 14 • Order timber:5543029 Page Humber:10 d.Improvements on the Land; e.land division; and f.environmental protection. This Exclusion does not Omit 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 alter 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 steels,alleys, or waterways that touch the Land. This Exclusion does not Prnt 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.Negfigence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your Insurance for the following Covered Risks Is limited on the Owner's Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown In Schedule A The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Your Deductible Amount Our Maximum Dolor Limit of Liablittv Covered Risk 16:1%of Policy Amount Shown in Schedule A or $2.500 $10,000 (whichever is less) Covered Risk 18:1%of Policy Amount Shown In Schedule A or $5,000 $25,000 (whichever Is less) Covered Risk 19:1% of Policy Amount Shown In Schedule A or $5,000 $25,000 (whichever Is less) Covered Risk 21:1%of Policy Amount Shown In Scheduie A or $2,500 $5,000 (whichever is less) 2006 ALTA LOAN POLICY (06-1748) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay lass or damage, costs, attorneys' fees, or expenses that arise by reason or: 1.(a) Any law, ordinance, permit, or governmental regulation (including those relating to budding and zoning) restricting, regulating, prohibiting, or relating to (I) the occupancy, use, or enjoyment of the Land; (1) the character, dimensions, or location of any improvement erected on the Land; (18)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 Ea:Fusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, enarmbrances, 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 firstAmerican 77t/e Page 10 of 14 • Order itsaber:5543029 Page Number:11 (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 imft 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 Inszed 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.My 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: EXL.tetIONS FROM COVERAGE [Except as provided in Schedule B -Part II,[t(or Tjhis policy does not insure against loss or damage, and the Company 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 Ectended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage poky wll also Include the following Exceptions from Coverage: 1.(a) Taxes or assessments that are not shown as existing Bens 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 ab..yn..N4Ire/its, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2.My fact,rights, ititei ebtb, or claims that are not shown by the Pubic 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 dims thereof, not shown by the Public Records. 4.Any encroachment, encumbrance, violation, variation, or adverse drasnstance 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 to patents or in Acts authorizing the issuance thereof; (c) water rights, claims or Me to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6.Any lien or right to a Hen for services, labor or material not shown by the public records. PART II In addition to the matters sat 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 Den of the Insured Mortgage:) 2006 ALTA OWNER'S POLICY (06-17-06) IDCWSIORS FROM COVERAGE The following matters are expressly excluded from the coverage ofthis policy, and the Company will not pay toss or damage, costs, attorneys' fees, or expenses that arise by reason of: 1.(a)My taw, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (I) theoccupancy, use, or enjoyment of the Land; (II) the character, dimensions, or location of any improvement erected on the Land; (11i)the subdivision ofland; or (iv) erivirolvnental pretection; 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 Clairnan (b) not Known to the Company, not recorded in the Pubic Records at Date of Policy, but Known to the Insured aalmant and not disclosed In writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured tender this policy; Fitt American 77tfe Page 11 of 14 ) Order Number:5543029 Page Number:12 (c) resulting in no loss or damage to the Insured Claknan4 (d) attaching or created subsequent to Date of Policy (however, this does not modify or Unit the coverage provided under Covered Risk 9 or 10); or (e) resulting in loss or damage that would not have been sustained ifthe 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 hi 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 Elusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy vdl 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 bo 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 arty taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may rest*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 fads, rights, interests, or claire 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 drarnstance affecting the Titre that would be disclosed by a n accurate and complete land survey of the Land and not shown by the Public Records. 5.(a) Unpainted 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,CCEcit's,etc. shown here.] ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (07-26-10) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage ofthis policy, and the Company MI not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: L (a) Any law, ordnance, perrolt, or governmental regulation (including those relating to building and zoning)ceding,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; Oil)the subdivision of land; or (lv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations.This Excksion 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, Hens, encurntrances, 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 &dosed 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 Claiman (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.Unenforceablity of the Lien of the Insured Mu Wage because of the inability or failure of en 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.My claim of invalidity, unenforceability or lack of priority of the lien ofthe Insured Mortgage as to Advances or modifications made after the First American Thie Page 12 of 14 Order Number 5543029 Page Number 1.3 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 Pdsk 11(b) or 25. 8.The failure of the residential structure, or any portion of ft,.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' tights 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. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. • Firs-tAmerican Title Page 13 of 14 i Order hiUnlbert 5543029 Page Number:14 .14011.e4: FirstArnefiCaZI 71tle PI-MacyInfotrodlon We Are Coesinkbadto Safeguarding Customer Information In order to better serve your needs now and to the future, we ram ask you to provide us with mein lithanietka1.We understand that you may be concerned about what we ad do Mt ouchInformation -particularly any personal or Sendai Infonnalion. We ages that you havea right to tomes how we will maze the personal Information you provide to us. Therefore, together with °to subsidiaries we have adopted this Privacy Poky to govern the use and handling of your personal iniormadcm. Apple ecyiftiecsbnitLicyThisgoverns our use of the Information that you amide to us.It doe not govern the manner In which we may use Information we tare obtained from any ode-source, such asInfoneaton obtained froma public record or from another person or entity. First American has am adopted broader guldektes that govern our useofpersonal Worm/don regardless of Is11011=1.Past American cabthese guidelines b Fair Information Values. Types ofIisforeartion Depervirg upon Midi of our service you are utItchg, the type ofnonpublic persorei Information that we may collect irclude•Treforrnaton we realm from you on applications, forms and In other cornmankadorts to is,whether in mill%trt person, by telephone or any other means•Information about your transactions with is,OW dilated coraPeries, or otherZ and•/*median urn receive torn a container report:law agency.Useof Information We request Infarnadon from you for cur own legitimate tethers purposes and not for the benefit of any nonaffiliated peaty. Therefore, we ION not release your Information to needles:el pertesexcept(I)as necessity for us to ;cavil the product or service you have requested of us;or(2)as per by tow. We may, hoverer, store exit information Indefinitely, inckrdrg the period alter which any customer relationship has ceased. Such Inv.elk t may be used for any Intemet purpose, such as quality control efforts or customer anaiyste. We may also provide allof the types of noreekik personal reformation listed above to one or more of our affelated =deem Such eriSliated commies include fine-dal seroke providers, such as title Imre;property and ososkyinsurers, end Inst and Investment advisory or coronaries Involved av red estate strokes such as apprasai companke, horn. warranty companie red escrow companies Furthermore, We may also provide an the Mon at wecollect,dessibed above, to correperies that perform merketng services on our behak. on behalf of our aliffieted companies or to other arsesdalInstitutors with whom we or ouranted ONTIparlPitS havejoint marketing agreements Penner Can:boners even if you ere no longer our custonwr,err PrivacyPilot continue to apply to you. Confklentiatty and Security We ml use cm best efforts to ensure that no unathorbad mates haveease to any of your Monetion.We nrstrIct access to nonpublic personal Wu "value about you to these Individuals and anCttieswho need to know that Inforrnalion to provide products or services to you. Wead use our bast efforts to train end oversee our erre:byes and agents to ensure that yourhfuiudtkiii hull be handled respond*end in accordanos with this FrIvacy Fold. and Rrst American's Feb-Information Values We currently maintain "dal,electronic, end procedzsal safeguards that comply withfederal regulations to guard your nonpublic parried intorrnation. Informetkes Obtained Through Our Web Sib' Rest American medalCorporation Is sensitive to piracy hares on the Internet We beget Itis rnmetent you know how we treat the information about you we maim on the InternetIngeneral,you can vise Past American or Its anises'Web des on the World Wide Web without tang us veto you are or revealing my rforrnation about yourself. Our Web serves collect the domain names, not the e-mal Weems of vides.This rformation is aggregated to measure the nurcber of vide, average time spent on the ate, pages Veered and similar Iniernadon. First American uses cis Information to madam the use of our eke end to develop ideas to improve the contentof our ate. There we times, however, when we may need infteutattuu from you, such as your name and anal address. When Information Is needed, we Mil use err best efforts to let you know at the time of collection how we wit use the pepsin Information.Usually,the personal Informed:a we aiect Is wed oral'.by to to Atmore to your inquiry,process an order or plow you to mess specific account/protile Information. S you choose to serve any personal Jawed.*with as, we oil only useItki accordance with the poldes outlined above. IMAMS RdstIonships Fast American Francini Corporation's site and beffilates'sites may corder)Irks to other Web see. Whit we by to link a*to sites that share our hash derderds and respect far privacy, we amnotresponsible for the=tent or the panto. predlon employed by otheratm Cookie. Some of Rest Amencen's Web eltes tray male use crtookietednvology to mamma site activity and to amends Inforroadon to your personal testae A cookie is en denied ofdata the aWebate can send to your browser, which may then store the cookie on your hard drive.=km=uses stored cockles.The goal of des technology to to better serve you when deltiog our eta, save you time when you are hers end to prattle you with a more meeningful and productive Web site axpenerica. Pair Information Wham Paleness We consider consumer caseate:ions about Cher prhecyh at ow bun:eras.We only offer produce and services thatmore a bearable balance been cartoons benefits and coneuroar privacy. Public Record We beleve that an open pinkrecord create; significantmire for society, enhances corstmer choke and cream consurnir opportunity. We actively support an cyan public record and ern:baste ks Imprxtenor and contention to cm economy. Use We believe we should behave responsibly when we use Informettion about a mesonsIn our business. We nil obey the laws governing the collection, use and dessandrelon of data.kosesey We Mil tale reasonable steps to help more the ecanacy of the deli we collect,we and denerrirste. Where meg*we veil tide reasonable steps to correct Inacarate intomml3on. When, es with the public record, we cernot correct inaostrette Worrnation, we ell take all reasonable stem to assistcommas In klentifyrig the source of the erroneow data an that the consumer cansears therequired correctionsblecationWeseisms-to educeie the users of our products end services ow employees and others In our industry about the irmsetards of comelier privacy. We WI Instruct our employees on our fair information values and on the responsible collection and use ofdata. We yell encourage others hour Industry to collect and useWarne:leiin s respondbas minter.SecontyWe we) maintain appropratefeatlesand spurns to protect aganst urearthixbrd aeons toand corruption of the data we maintain. Form 50-PRIVACY wino Page 1 of1 Privacy Information (2001-2010 First American Financial Corporation) First-American 77de Page 14 of 14