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ZC 15-01; HENKINS ZONE CHANGE; Zone Change (ZC)
Development Services 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)l_ealsigive Permits (FOR DEPT USE ONLY) O Coastal Development Permit (*)0 Minor D General Plan Amendment O Conditional Use Permit (*)2 Local Coastal Program Amendment(')0 Minor 0 Extension 15-o O Day Care (Large)0 Master Plan 0 Amendment O Environmental Impact Assessment 0 Specific Plan 0 Amendment D Habitat Management Permit D Minor 2 ZSCZone Change (*)f O Hillside Development Permit (*)0 Minor 0 Zone Code Amendment D Nonconforming Construction Permit South Carlsbad Coastal Review Area Permits I:I Planned Development Permit 0 Minor Review Permit Residential 0 Non-Residential 0 Administrative 0 Minor Major D Planning Commission Determination D Site Development Plan Minor Matte Review Area Permits 0 Special Use Permit 0 Review Permit 0 Administrative Minor 0 Major D Tentative Parcel Map (Minor Subdivision) D Tentative Tract Map (Major Subdivision) O Variance Minor (*) =eligible for 25% discount 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).:204-280-23 PROJECT NAME:Henkins FleekleeeeZun... Chat lye 0 Cf"LounBRIEF DESCRIPTION OF PROJECT:Zone change from R-1 to RD-M BRIEF LEGAL DESCRIPTION:PORTION OF TRACT 231 OF THUM LANDS, ACCORDING TO MAP NO.1681 LOCATION OF PROJECT:438 Tamarack Avenue STREET ADDRESS ON THE:North SIDE OF Tamarack Avenue (NORTH, SOUTH, EAST, WEST)(NAME OF STREET) BETWEEN Garfield Street AND Jefferson Street (NAME OF STREET)(NAME OF STREET) Dcv 1501 P-1 Page 1 of 6 Revised 12/13 OWNER NAME (Print):Anthony Henkins APPLICANT NAME (Print):SAME AS OWNER MAILING ADDRESS:438 Tamarack Avenue MAILING ADDRESS: CITY,STATE, ZIP:Carlsbad, CA 92008 CITY, STATE, ZIP: TELEPHONE 760-840-1771 TELEPHONE: EMAIL ADDRESS:westsdpro@aol.com EMAIL ADDRESS: 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 BE T F MY AND THAT ALL THE ABOVE INFORMATIONG IS TRUE AND ICORRECT TO KNIE. (WWLED -t.0.?1„.‘3 ;IS tNA,1 .••3 a s ,SIGNATUR!.N DA E SI NATURE DA E APPLICANTS REPRESENTATIVE (Print):Hofman Planning & Engineering (Bill Hofman) MAILING ADDRESS:3156 Lionshead Avenue, Suite 1 CITY, STATE, ZIP:Carlsbad, CA 92010 TELEPHONE:760-692-4012 EMAIL ADDRESS:bholman@hofmanplanning.com I CERTIFY THAT I AM THE LEGAL REPRESENTATIVE OF THE APPLICANT AND THAT ALL THE ABOVE INFORMATION IS TRUE AND RECT TO THE BEST OF MY KNOWLEDGE. SIGNATUR 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.UWE 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 AND BIND ANY SU CESSORS IN INTEREST. 17T) PROPERTYIF‘OWNER SIGNATURE FOR CITY USE ONLY DATE STAMP APPLICATION RECEIVED RECEIVED BY: ChAsta.%—aCK-- P-1 Page 2 of 6 Revised 12/13 Development Services City of DISCLOSURE STATEMENT Planning Division Carlsbad P-1(A)1635 Faraday Avenue (760) 602-4610 www.carisbadca.gov Applicants 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 Anthony Henkins Corp/Part Title Owner Title Address 438 Tamarack Avenue Address 2.OWNER (Not the owner's agent) Provide the COMPLETE,LEGAL names and addresses of ALL persons having any ownership interest in the property involved.Also,provide the nature of the legal ownership (i.e.,partnership,tenants in common,non-profit,corporation,etc.).If the ownership includes a corporation or partnership, include the names, titles, addresses of all individuals owning more than 10% of the shares.IF NO INDIVIDUALS OWN MORE THAN 10%OF THE SHARES,PLEASE INDICATE NON-APPLICABLE (N/A)IN THE SPACE BELOW.If a publicly-owned corporation,include the names,titles,and addresses of the corporate officers.(A separate page may be attached if necessary.) APPLICANT SAMEASPerson Corp/Part Title Title Address Address 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? 111 Yes IX No If yes, please indicate person(s): NOTE:Attach additional sheets if necessary. I certify that all the above information is true and correct to the best of my knowledge. SAell OSNA)4 4 ?At/5 Signature of owner/date Signature of applicant/date cOM oraA 0€4%.*.i 4\3 A nrr WnmA dc-NiCt (\)-s Print or type nagge of owner Print or type nante of applicant Signature of owner/applicant's agent if applicable/date Print or type name of owner/applicant's agent P-1(A)Page 2 of 2 Revised 07/10 (r"..._ •f PROJECT DESCRIPTION Development ServicesCity o Planning Division Carlsbad P-1 (B)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov • PROJECT NAME:Henkins Residence Zone Change APPLICANT NAME:Anthony Henkins 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: The property located at 438 Tamarack Avenue (204-280-23) is part of the city-wide General Plan Update. As part of this update the zoning designation is proposed to be changed from R-1 to RD-M. Anthony Henkins would like to move forward with this change, ahead of the General Plan update. This project proposes to be consistent with what the city is envisioning for the property. P-1(B)Page 1 of 1 Revised 07/10 HAZARDOUS WASTE City of AND SUBSTANCES Development Services Planning Division Carlsbad STATEMENT 1635 Faraday Avenue (760) 602 -4610P-1(C)www.carlsbadca.gov Consultation of Lists of Sites Related to Hazardous Wastes (Certification of Compliance with Government Code Section 65962.5) Pursuant to State of California Government Code Section 65962.5,I have consulted the Hazardous Waste and Substances Sites List compiled by the California Environmental Protection Agency and hereby certify that (check one): ID The development project and any alternatives proposed in this application mist contained on the lists compiled pursuant to Section 65962.5 of the State Govemment Code. The development project and any alternatives proposed In this application fl contained on the lists compiled pursuant to Section 65962.5 of the State Government Code. APPLICANT PROPERTY OWNER Name:Anthony Henkins Name:SAME Address:438 Tamarack Avenue Address: Carlsbad, CA 92008 Phone Number:760-840-1771 Phone Number: Address of Site:438 Tamarack Avenue Local Agency (City and County):City of Carlsbad, County of San Diego Assessor's book, page, and parcel number:204-280-23 Specify list(s): Regulatory Identification Number: Date of List: (2 k-a Applicant Signatu&Date Property OwneriZtture/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 02113 ENVIRONMENTAL INFORMATION FORM (To be Completed by Applicant) Date Filed:(To be completed by City) Application Number(s): General Information 1.Name of project:Henkins Residence Zone Change 2.Name of developer or project sponsor.Anthony Henkins Address:438 Tamarack Avenue City, State, Zip Code:Carlsbad, CA 92008 Phone Number: 3.Name of person to be contacted concerning this project:Bill Hofman Address:3156 Lionshead Avenue, Suite 1 City, State, Zip Code:Carlsbad, CA 92010 Phone Number.760-692-4012 438 Tamarack Avenue4.Address of Project: Assessor's Parcel Number 204-280-23 5.List and describe any other related permits and other public approvals required for this project, including those required by city, regional, state and federal agencies: Zone Change, LCPA 6.Existing General Plan Land Use Designation:RMH 7.Existing zoning district:R-1 8.Existing land use(s):Single Family Residence 9.Proposed use of site (Project for which this form is filed):Multi-Family Residence Project Description 10.Site size: 11.Proposed Building square footage:Unkown 12:Number of floors of construction:Unkown 13.Amount of off-street parking provided:Unkown 14.Associated projects:None P-1(D)Page 2 of 4 Revised 07/10 ,r 15.If residential, include the number of units and schedule of unit sizes: Unkown 16.If commercial, indicate the type, whether neighborhood, city or regionally oriented, square footage of sales area, and loading facilities: •N/A 17.If industrial, indicate type, estimated employment per shift, and loading facilities: N/A 18.If institutional, indicate the major function, estimated employment per shift, estimated occupancy, loading facilities, and community benefits to be derived from the project: N/A 19.If the project involves a variance, conditional use or rezoning applications, state this and indicate clearly why the application is required: Rezone from R-1 to RD-M • P-1(D)Page 3 of 4 Revised 07/10 , Are the following items applicable to the project or its effects?Discuss all items checked yes (attach additional sheets as necessary). Yes No 20.Change in existing features of any bays, tidelands, beaches, or hills, or substantial ID alteration of ground contours. 21.Change in scenic views or vistas from existing residential areas or public lands or roads. 22.Change in pattern, scale or character of general area of project. 23.Significant amounts of solid waste or litter. 24.Change in dust, ash, smoke, fumes or odors in vicinity. 0 25.Change in ocean,bay,lake,stream or ground water quality or quantity,or alteration of existing drainage patterns. 26.Substantial change in existing noise or vibration levels in the vicinity. 27.Site on filled land or on slope of 10 percent or more. 28.Use of disposal of potentially hazardous materials,such as toxic substances, flammables or explosives. 29.Substantial change in demand for municipal services (police, fire, water, sewage,Eletc.). 30.Substantially increase fossil fuel consumption (electricity, oil, natural gas, etc.). 31.Relationship to a larger project or series of projects. 0 Environmental Setting Attach sheets that include a response to the following questions: 32.Describe the project site as it exists before the project, including information on topography, soil stability, plants and animals, and any cultural, historical or scenic aspects.Describe any existing structures on the site, and the use of the structures.Attach photographs of the site.Snapshots or Polaroid photos will be accepted. 33.Describe the surrounding properties,including information on plants and animals and any cultural, historical or scenic aspects.Indicate the type of land use (residential, commercial, etc.), intensity of land use (one-family, apartment houses, shops, department stores, etc.), and scale of development (height,frontage,set-back,rear yard,etc.).Attach photographs of the vicinity. Snapshots or polaroid photos will be accepted. Certification I hereby certify that the statements furnished above and in the attached exhibits present the data and information required for this initial evaluation to the best of my ability, and that the facts, statements, and information presented are true and correct to the best of my knowledge and belief. Date:l'ACIrCirl j 7.0I Signature: For: P-1(D)Page 4 of 4 Revised 07/10 TIME LIMITS ON Development Services City of DISCRETIONARY Planning Division Carlsbad PROJECTS 1635 Faraday Avenue (760) 602-4610P-1(E)www.carlsbadca.gov PLEASE NOTE: Time limits on the processing of discretionary projects established by state law do not start until a project application is deemed complete by the City.The City has 30 calendar days from the date of application submittal to determine whether an application is complete or incomplete.Within 30 days of submittal of this application you will receive a letter stating whether this application is complete or incomplete.If it is incomplete,the letter will state what is needed to make this application complete. When the application is complete, the processing period will start upon the date of the completion letter. If you have any questions regarding application submittal requirements (i.e.,clarification regarding a specific requirement or whether all requirements are necessary for your particular application) please call (760) 602-4610. Applicant Signature:.C1U_ Staff Signature:Sekirle\_. Date:3 3t -I c) To be stapled with receipt to the application P-1(E)Page 1 of 1 Revised 07/10 CHICAGO TITLE COMPANY PRELIMINARY REPORT Order No.:73715003437-RCM Property:438 Tamarack Ave Carlsbad, CA 92008 In response to the application for a policy of title insurance referenced herein,Chicago Title Company hereby reports that it is prepared to issue,or cause to be issued,as of the date hereof,a policy or policies of title insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an exception herein or not excluded from coverage pursuant to the printed Schedules,Conditions and Stipulations or Conditions of said policy forms. The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Attachment One.The policy to be issued may contain an arbitration clause.When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties.Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set forth in Attachment One.Copies of the policy forms should be read.They are available from the office which issued this report. This report (and any supplements or amendments hereto)is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby.If it is desired that liability be assumed prior to the issuance of a policy of title insurance,a Binder or Commitment should be requested. The policy(ies)of title insurance to be issued hereunder will be policy(ies) of Chicago Title Insurance Company,a Nebraska corporation. Please read the exceptions shown or referred to herein and the exceptions and exclusions set forth in Attachment One of this report carefully.The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects and encumbrances affecting title to the land. Chicago Title Insurance Company By:A.ALA Countersigned By:OsuR4.4‘(twiyA:4 &sic lieu i•Attest: President Authorized Officer or Agent -Ert Secretary CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.12.15 @ 06:47AM CA-CT-FVVD0-02180.055620-SPS-1-15-73715003437 Visit Us on our Website:www. ctic. corn CHICAGO TITLE COMPANY ISSUING OFFICE:2385 Northside Drive, Suite 600, San Diego, CA 92108 FOR SETTLEMENT INQUIRIES, CONTACT: •FAX PRELIMINARY REPORT Title Officer:Richard Cesar Moore Customer. Email:moorer@ctt.com Email: Phone No.:(619)521-3590 .Phone No.: Fax No.:(619)521-3690 Fax No.: Title No.: 73715003437-RCM Ref. No.: PROPERTY ADDRESS(ES): 438 Tamarack Ave, Carlsbad, CA EFFECTIVE DATE:March 4, 2015 at 07:30AM The form of policy or policies of title insurance contemplated by this report is: CLTA Standard Coverage Policy 1990 (04-08-14) ALTA Loan Policy 2006 1.The estate or Interest in the Land hereinafter described or referred to covered by this Report is: Fee 2.Title to said estate or interest at the date hereof Is vested in: Anthony Raymond Henkins, Successor Trustee in Trust, under Trust "A" created under the Henkins Family Trust, dated November 20, 1987, subject to Items 7 and 8 3.The Land referred to in this Report Is described as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.12.15 @I 08:46AM CA-CT-F1M30-02180.055820-SPS-1-15-73715003437 EXHIBIT "A" Legal Description For APN/Parcel ID(s):204-280-23 THAT PORTION OF TRACT 231 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, DESCRIBED AS FOLLOWS: BEGINNING AT A POINT IN THE NORTHERLY LINE OF TAMARACK AVENUE, DISTANT THEREON SOUTH 61 °21' WEST 1028.21 FEET FROM THE SOUTHEASTERLY CORNER OF SAID TRACT 231; TENCE NORTH 28 °39'WEST,130.46 FEET TO THE SOUTHEASTERLY LINE OF THE LAND CONVEYED TO GEORGIA M.DINIUS BY DEED RECORDED OCTOBER 3,1956,IN BOOK 6305, PAGE 54 OF OFFICIAL RECORDS; THENCE ALONG SAID SOUTHEASTERLY LINE, NORTH 61 °31' EAST,136.75 FEET TO THE WESTERLY LINE OF THE LAND DESCRIBED UNDER PARCEL 1 IN DEED TO D.R.DINIUS,RECORDED AUGUST 4,1960,AS DOCUMENT NO.157566 OF OFFICIAL RECORDS;THENCE SOUTH 27 °22'30"EAST,130.09 FEET TO THE SOUTHERLY CORNER OF SAID PARCEL 1;THENCE SOUTH 61 °21'WEST,ALONG SAID NORTHERLY LINE OF SAID AVENUE, 133.86 FEET TO THE POINT OF BEGINNING. CLTA Preliminary Report Form -Modified (Adopted:11.172006)Printed:03.12.16 a 06:46AM CA-CT-FWIDO-0218-0.065820-SPS-1-16-73715003437 Title No.:73715003.437-RCM AT THE DATE HEREOF,EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN SAID POLICY FORM WOULD BE AS FOLLOWS: 1.Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2015-2016. 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.Property taxes, including any personal property taxes and any assessments collected with taxes, are paid.For proration purposes the amounts were: Tax Identification No.:204-280-23-00 Fiscal Year.2014-2015 1st Installment:$468.05 2nd Installment $488.05 Exemption:$7,000.00 Code Area:09000 4.Rights of the public to any portion of the Land lying within the area commonly known as any roads, streets or highways. 6.Matters contained in that certain document Entitled:Agreement and Lien for Certain Improvement Requirements Recording Date:May 19, 1964 Recording No.:File No. 89991 Official Records Reference is hereby made to said document for full particulars. 6.A deed of trust to secure an indebtedness in the amount shown below, Amount:$200,000.00 Dated:September 2, 2010 •Trustor/Grantor Bertha Henkins and Anthony Raymond Henkins, Trustees or their successors in trust, under Trust "A" created under the Henkins Family Trust, dated November 20, 1987 Trustee:American Securities Company Beneficiary:Wells Fargo Bank, N.A. Loan No.:not shown Recording Date:October 1,2010 Recording No.:File No. 2010-0527117 Official Records The Deed of Trust set forth above Is purported to be a °Credit Line° Deed of Trust.It is a requirement that the Trustor/Grantor of said Deed of Trust provide written authorization to close said credit line account to the Lender when the Deed of Trust is being paid off through the Company or other Settlement/Escrow Agent or provide a satisfactory subordination of this Deed of Trust to the proposed Deed of Trust to be recorded at closing. CLTA Preliminary Report Form -Modified (Adopted'11.172008)Ported:03.12.15 @ 013:47AM CA-CT-FWDO-02180.055820-SPS-1-15-737150113437 Title No.:73715003437-RCM 7.The vesting set forth In this report is subject to verification, in a form satisfactory to the Company, of the validity and enforceability of the following uninsured Deed: Grantor.Anthony Raymond HenkIns, Trustee of Trust "A" created under the Henkins Family Trust, dated November 20, 1987 Grantee:Anthony Raymond Henkins, Trustee, or his successors in trust, under the Henkins Family Trust FBO Anthony Raymond Henkins dated November 20, 1987 Dated:March 21, 2011 Recording Date:May 3, 2011 Recording No.:File No. 2011-0229677 Official Records 8.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 tide 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. The Company will require a current Trust Certification, pursuant to California Probate Ccide Section 18100.5, confirming the following facts and containing the following information: 1.Date of execution and continued existence of the Trust; 2.Identity of the Settlor(s)/Trustor(s) and the currently acting Trustee(s); 3.Powers of the Trustee(s); 4.Whether the Trust Is revocable or not and, if revocable, who holds the power to revoke the Trust; 5.If there are multiple trustees, the signature authority of the Trustees, including how many of the trustees are required to exercise powers of the Trust; 6.The Trust Identification Number [usually a Social Security Number or an Employer Identification Number]; 7.The manner in which title to Trust assets should be held; 8.The legal description of any interest In real property held in the trust; and 9.The Certificate of Trust must contain a statement that the trust has not been revoked, modified, or amended so as to cause the representations to be Incorrect and that it is being signed by all current Trustee(s) in the form of an acknowledged declaration. Note: If an Affidavit of Death of a Trustee or Co-Trustee was or will be recorded, the signing successor or Surviving Trustee(s) must have the right to exercise the powers of the Trust. The Company reserves the right to add additional items or make further requirements after receipt of the Trust Certification. 9.Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the Public Records. 10.Any 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. END OF EXCEPTIONS • CLTA Pre/minify Report Form -Moe/fled (Adopted:11.17.2008)Printed:03.12.16 a 06:47AM CA-CT-FWDO-02180.055820-SPS-1-15-73715003437 Title No.:73715003437-RCM NOTES Note 1.If a county recorder, title insurance company, escrow company, real estate broker, real estate agent or association provides a copy of a declaration, governing document or deed to any person, California law requires that the document provided shall include a statement regarding any unlawful restrictions.Said statement is to be in at least 14-point bold face type and may be stamped on the first page of any document provided or included as a cover page attached to the requested document.Should a party to this transaction request a copy of any document reported herein that fits this category, the statement is to be included in the manner described. Note 2.If this company Is requested to disburse funds In connection with this transaction, Chapter 598, Statutes of 1989 mandates hold periods for checks deposited to escrow or sub-escrow accounts.The mandatory hold period for cashier's checks, certified checks and teller's checks is one business day after the day deposited. Other checks require a hold period of from two to five business days after the day deposited.In the event that the parties to the contemplated transaction wish to record prior to the time that the funds are available for disbursement (and subject to Company approval), the Company will require the prior written consent of the parties.Upon request, a form acceptable to the company authorizing said early recording may be provided to Escrow for execution. Wire Transfers There is no mandated hold period for funds deposited by confirmed wire transfer.The Company may disburse such funds the same day. Note 3.Any docUments being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee, an authorized employee of an agent, an authorized employee of the insured lender, or by using Bancsery or other approved third-party service.If the above requirements cannot be met, please call the company at the number provided in this report. Note 4.Your application for title insurance was placed by reference to only a street address or tax identification number.Based on our records, we believe that the legal description in this report covers the parcel(s) of Land that you requested.If the legal description is incorrect, the seller/borrower must notify the Company and/or the settlement company in order to prevent errors and to be certain that the correct parcel(s) of Land will appear on any documents to be recorded in connection with this transaction and on the policy of title insurance. Note 6.Prior to the close of escrow, 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 6.Note:There are NO conveyances affecting said Land recorded within 24 months of the date of this report. Note 7.Note:The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land a multiple family residence ,known as 438 Tamarack Ave, Carlsbad, CA 92008, to an Extended Coverage Loan Policy. Note 8.Note: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. END OF NOTES CLTA PrellmJnery Report Form -Modl5ed (Adopted 11.17.2006)Printed:03.12.15 ©06:47AM CA-CT-FW130-02180.055820-SPS-1-16-73715003437 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 and 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;Op 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 a notice of a defect, Ben 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.Unenforceabiltty of the lien of the Insured mortgage because of the inability or faiure 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 unenforceabitty of the lien of the Insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6.Any claim, which arises out of the transaction vesting in the insured the estate or interest Insured by this policy or the transaction creating the Interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE -SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records.Proceedings by a public agency which may result In taxes or assessments,or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2.Any facts, rights, interests or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3.Easements, liens or encumbrances, or claims thereof, not shown by the pubic 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 pubic records. 6.Any lien or right to a lien for services, labor or material not shown by the public records. Attachment One (06/03/11) ATTACHMENT ONE (CONTINUED) CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (02-03-10) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (02-03-10) EXCLUSIONS In addition to the Exceptions In Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1.Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a.building; •b.zoning; C.land use; d.Improvements on the Land; e.land division; and f.environmental protection. This Exclusion does not Limit the coverage described in Covered Risk 8.2.,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 16. 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, 28, 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. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owners Coverage Statement as follows: •For Covered Risk 16, 18, 19 and 21, Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Your Deductible Amount Our Maximum Dollar Limit of Liability Covered Risk 16:1.00% of Policy Amount Shown in Schedule A $10,000.00 or $2,500.00 (whichever is less) Covered Risk 18:1.00% of Policy Amount Shown in Schedule A $25,000.00 or $5,000.00 (whichever is less) Covered Risk 19:1.00% of Policy Amount Shown in Schedule A $25,000.00 or $5,000.00 (whichever is less) Covered Risk 21:1.00% of Policy Amount Shown in Schedule A $6,000.00 or $2,500.00 (whichever Is less) Attachment One (06/03/11) ATTACHMENT ONE (CONTINUED) AMERICAN LAND TITLE ASSOCIATION RESIDENTIAL TITLE INSURANCE POLICY (6-1 -87) 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 any law or government regulation.This Includes building and zoning ordinances and also laws and regulations concerning: •land use •Improvements on the land •land division •environmental protection This exclusion does not apply to violations or the enforcement of these matters which appear in the public records at policy date. ills exclusion does not limit the zoning coverage described In Items 12 and 13 of Covered Title Risks. 2.The right to take the land by condemning it, unless: •a notice of exercising the right appears In the public records on the Policy Date •the taking happened prior to the Policy Date and Is binding on you If you bought the land without knowledge of the taking 3.Title Risks: •that are created, allowed, or agreed to by you •that are known to you, but not to us, on the Policy Date-uniess they appeared In the public records •that resit in no loss to you •that first affect your title after the Policy Date -this does not Omit the labor and material lien coverage in Item 8 of Covered Title Risks 4.Failure to pay value far your title. 5.Lack of a right: •to any land outside the area specifically described and referred to In Item 3 of Schedule A or •in streets, aleys, or waterways that touch your land This exclusion does not limit the access coverage in item 5 of Covered Title Risks. Attachment One (06/03/11) ATTACHMENT ONE (CONTINUED) 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; (ill)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 6. (b)Any governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant (b)not Known to the Company, not recorded In the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed In writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting In no loss or damage to the Insured Claimant (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 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 unenforceablllty 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 The for real estate taxes or assessments Imposed by govemmental 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 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 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 Pubic 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, !lens or encumbrances, or claims thereof, not shown by the Public Records. 4.Any encroachment,encumbrance, violation, variation,or adverse circumstance affecting the The 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. Attachment One (06/03/11) ATTACHMENT ONE (CONTINUED) 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; (if)the character, dimensions, or location of any Improvement erected on the Land; (ill)the subdivision of land; or (v)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)My governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting In no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e)resulting In loss or damage that would not have been sustained if the Insured Claimant had paid value for the The. 4.My 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. 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 dents 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. Attachment One (08/03/11) ATTACHMENT ONE (CONTINUED) ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (07-26-10) 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 (1)the occupancy, use, or enjoyment of the Land; (II)the character, dimensions, or location of any Improvement erected on the Land; 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 6, 6, 13(c), 13(d), 14 or 16. (b)Any governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting In no loss or damage to the Insured Claimant (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11,16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or (e)resulting In loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4.Unenforceability of the Gen 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. 6.Invalidity or unenforceabillty 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,unenforceabllity 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 ofIt, to have been constructed before, on or after Date of Policy In accordance with applicable buNding 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. Attachment One (06/03/11) FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective:January 6,2016 Order No.:73715003437—S13 Fidelity National Financial,Inc.and Its majority-awned subsidiary companies providing real estate-and loan-related services (collectively, "FNF","our or 's.ve")respect and are committed to protecting your privacy.This Privacy Notice lets you know how and for what purposes your Personal Information (as defined herein)Is being collected, processed and used by FNF. We pledge that we will take reasonable steps to ensure that your Personal Information will only be used in ways that are in compliance with this Privacy Notice.The provision of this Privacy Notice to you does not create any express or Implied relationship, or create any express or implied duty or other obligation, between Fidelity National Financial, Inc. and you.See also No Representations or Warranties below. This Privacy Notice is only in effect for any generic information and Personal Information collected and/or owned by FNF, including collection through any FNF website and any online features, services and/or programs offered by FNF (collectively, the "Website").This Privacy Notice Is not applicable to any other web pages,mobile applications,social media sites,email lists,generic Information or Personal Information collected and/or owned by any entity other than FNF. Now Information Is Collected The types of personal information FNF collects may Include, among other things (collectively, "Personal Information"):(1) contact Information (e.g.,name,address,phone number,email address);(2)demographic Information (e.g.,date of birth, gender marital status);(3)Internet protocol (or IP)address or device ID/UDID;(4)social security number (SSN),student ID (SIN),driver's license,passport,and other government ID numbers; (5) financial account information; and (6) information related to offenses or criminal convictions. In the course of our business, we may collect Personal Information about you from the following sources: •Applications or other forms we receive from you or your authorized representative; •Information we receive from you through the Website; •Information about your transactions with or services performed by us, our affiliates, or others; and •From consumer or other reporting agencies and public records maintained by governmental entitles that we either obtain directly from those entitles, or from our affiliates or others. Additional Ways Information la Collected Through the Webers Browser Log Files.Our servers autocratically log each visitor to the Website and collect and record certain information about each visitor. This Information may Include IP address, browser language, browser type, operating system, domain names, browsing history (Including time spent at a domain, time and date of your visit), referring/exit web pages and URLs, and number of clicks.The domain name and IP address reveal nothing personal about the user other than the IP address from which the user has accessed the Website. Cookies.From time to time, FNF or other third parties may send e'cookie" to your computer.A cookie Is a small place of data that is sent to your Internet browser from a web server and stored on your computer's hard drive and that can be re-sent to the serving website on subsequent visits.A cookie,by itself, cannot read other data from your hard disk or read other cookie files already on your computer.A cookie, by itself, does not damage your system.We, our advertisers and other third parties may use cookies to identify and keep track of, among other things, those areas of the Website and third party websites that you have visited in the past in order to enhance your next visit to the Website.You can choose whether or not to accept cookies by changing the settings of your Internet browser, but some functionality of the Website may be impaired or not function as intended.See the Third Party Out Out section below. Web Beacons.Some of our web pages and electronic communications may contain images, which may or may not be visible to you, known as Web Beacons (sometimes retuned to as "steer Of).Web Beacons collect only limited Information that includes a cookie number, time and date of a page view; and a description of the page on which the Web Beacon resides.We may also carry Web Beacons placed by third party advertisers.These Web Beacons do not carry arty Personal Infut (nation and are only used to track usage of the Website and activities associated with the Website.See the Third Party Opt Out section below. Unique Identifier.We may assign you a unique internal identifier to help keep track of your future visits.We may use this Information to gather aggregate demographic Information about our visitors, and we may use it to personalize the information you see on the Website and some of the electronic communications you receive from us.We keep this infunriatIon for our Internal use, and this information Is not shared with others. Third Party Opt Out.Although we do not presently,In the future we may allow third-party companies to serve advertisements and/or collect certain anonymous information when you visit the Website.These companies may use non-personally Identifiable information (e.g.,dick stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to the Website in order to provide advertisements about products and services likely to be of greater interest to you.These companies typically use a cookie or third party Web Beacon to collect this information, as further described above.Through these technologies, the third party may have access to and use non-personalized information about your online usage activity. You can opt-out of online behavioral services through any one of the ways described below.After you opt-out, you may continue to receive advertisements, but those advertisements will no longer be as relevant to you. •You can opt-out via the Network Advertising Initiative industry opt-out at httrd/www.netvoorkadvertIsIna.oro/. •You can opt-out via the Consumer Choice Page at wenv.aboutads.info. •For those in the U.K, you can opt-out via the IAB UK's industry opt-out at www.youronlinecholcas.ctxn.•You can configure your web browser (Chrome, Flrefox, Internet Explorer, Safari, etc.) to delete and/or control the use of cookies. More Information can be found In the Help system of your browser.Note:If you opt-out as described above, you should not delete your cookies.If you delete your cookies, you will need to opt-out again. Privacy Statement Printed:63.12.16 a 08:47AM by WS SCA0002597.doc / updated:07.25.13 —73716003437 • PRIVACY NOTICE (continued) Use of Personal Information. Information collected by FNF is used for three main purposes: •To provide products and services to you or one or more third party service providers (collectively,'Third Parties") who are obtaining services on your behalf or in connection with a transaction involving you.•To improve our products and services that we perform for you or for Third Parties.•To communicate with you and to Inform you about FNF's, FNF's affiliates and third parties' products and services. When Information is Disclosed By FNF We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) to various Individuals and companies,as permitted by law, without obtaining your prior authorization.Such laws do not allow consumers to restrict these disclosures.Disclosures may include, without limitation, the following: •To agents,brokers,representatives,or others to provide you with services you have requested, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure in connection with an insurance transaction; •To third-party contractors or service providers who provide services or perform marketing services or other functions on our behalf; •To law enforcement or other governmental authority in connection with an Investigation, or civil or criminal subpoenas or court orders; and/or •To lenders, lien holders, judgment creditors, or other parties claiming an encumbrance or an interest In title whose claim or interest must be determined, settled, paid or released prior to a title or escrow dosing. In addition to the other times when we might disclose information about you, we might also disclose Information when required by law or in the good-faith belief that such disclosure is necessary to:(1) comply with a legal process or applicable laws; (2) enforce this Privacy Notice; (3)respond to claims that any materials, documents, images, graphics, logos, designs, audio, video and any other information provided by you violates the rights of third parties; or (4) protect the rights, property or personal safety of FNF, its users or the public. We maintain reasonable safeguards to keep the Personal Information that is disclosed to us secure.We provide Personal Information and non-Personal Information to our subsidiaries,affiliated companies,and other businesses or persons for the purposes of processing such information on our behalf and promoting the services of car trusted business partners, some or all of which may store your information on servers outside of the United States.We require that these parties agree to process such information in compliance with our Privacy Notice or in a similar, Industry-standard manner, and we use reasonable efforts to limit their use of such information and to use other appropriate confidentiality and security measures.The use of your information by one of our trusted business partners may be subject to that party's own Privacy Notice.We do not, however, disclose information we collect from consumer or credit reporting agencies with our affiliates or others without your consent,In conformity with applicable law, unless such disclosure is otherwise permitted by law. We also reserve the right to disclose Personal Information and/or non-Personal information to take precautions against liability, investigate and defend against any third-party claims or allegations,assist government enforcement agencies,protect the security or integrity of the Website, and protect the rights, property, or personal safety of FNF, our users or others. We reserve the right to transfer your Personal Information, as well as any other information,In connection with the sale or other disposition of all or part of the FNF business and/or assets. We also cannot make any representations regarding the use or transfer of your Personal Information or other information that we may have in the event of our bankruptcy, reorganization, insolvency, receivership or an assignment for the benefit of creditors, and you expressly agree and consent to the use and/or transfer of your Personal Information or other information in connection with a sale or transfer of some or all of our assets in any of the above described proceedings.Furthermore, we cannot and will not be responsible for any breach of security by any third parties or for any actions of any third parties that receive any of the information that Is disclosed to us. Information From Children We do Dat collect Personal Information from any person that we know to be under the age of thirteen (13).Specifically, the Website is not Intended or designed to attract children under the age of thirteen (13).You affirm that you are either more than 18 years of age,or an emancipated minor,or possess legal parental or guardian consent,and are fully able and competent to enter into the terms,conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Notice, and to abide by and comply with this Privacy Notice. In any case, you affirm that you are over the age of 13,as THE WEBSITE IS NOT INTENDED FOR CHILDREN UNDER 13 THAT ARE UNACCOMPANIED BY HIS OR HER PARENT OR LEGAL GUARDIAN. Parents should be aware that FNF's Privacy Notice will govern our use of Personal Information, but also that Information that is voluntarily given by children -or others -In email exchanges,bulletin boards or the ilke may be used by other parties to generate unsolicited communications.FNF encourages all parents to instruct their children in the safe and responsible use of their Personal Information while using the Internet. Privacy Outside the Wel:mite The Website may contain various links to other websttes, Including links to various third party service providers.FNF is not and cannot be responsible for the privacy practices or the content of any of those other websites.Other than under agreements with certain reputable organizations and companies, and except for third party service providers whose services either we use or you voluntarily elect to utilize, we do not share any of the Personal Information that you provide to us with any of the websites to which the Website links, although we may share aggregate,non-Personal Information with those other third parties.Please check with those websites In order to determine their privacy policies and your rights under them. European Union Users If you are a citizen of the European Union, please note that we may transfer your Personal Information outside the European Union for use for any of the purposes described In this Privacy Notice.By providIng FNF with your Personal Information, you consent to both our collection and such transfer of your Personal Information In accordance with this Privacy Notice. • Privacy Statement Printed:03.12.15 a 06:47AM by WS SCA0002697.6cc / updated:07.26.13 —73716003437 PRIVACY NOTICE (continued) Choices With Your Personal Information Whether you submit Personal Information to FNF Is entirety up to you.You may decide not to submit Personal Information,In which case FNF may not be able to provide certain services or products to you. You may choose to prevent FNF from disclosing or using your Personal Information under certain circumstances ("opt out").You may opt out of any disclosure or use of your Personal Information for purposes that are incompatible with the purpose(s)for which it was originally collected or for which you subsequently gave authorization by notifying us by one of the methods at the end of this Privacy Notice. Furthermore,even where your Personal Information is to be disclosed and used in accordance with the stated purposes In this Privacy Notice, you may elect to opt out of such disclosure to and use by a third party that is not acting as an agent of FNF.As described above, there are some uses from which you cannot opt-out Please note that opting out of the disclosure and use of your Personal information as a prospective employee may prevent you from being hired as an employee by FNF to the extent that provision of your Personal Information Is required to apply for an open position. tt FNF collects Personal Information from you, such Information will not be disclosed or used by FNF for purposes that are incompatible with the purpose(s) for which it was originally collected or for which you subsequently gave authorization unless you affirmatively consent to such disclosure and use. You may opt out of online behavioral advertising by following the Instructions set forth above under the above section 'Additional Ways That information Is Collected Through the Website," subsection 'Third Party Opt Out" Access and Correction To access your Personal Information In the possession of FNF and correct Inaccuracies of that Information in our records, please contact us in the manner specified at the end of this Privacy Notice.We ask individuals to Identify themselves and the Information requested to be accessed and amended before processing such requests, and we may decline to process requests in limited circumstances as permitted by applicable privacy legislation. Your California Privacy Rights Under California's 'Shine the Light"law,California residents who provide certain personally identifiable information in connection with obtaining products or services for personal,family or household use are entitled to request and obtain from us once a calendar year Information about the customer information we shared, if any, with other businesses for their own direct marketing uses.If applicable, this Information would include the categories of customer information and the names and addresses of those businesses with which we shared customer Information for the Immediately prior calendar year (e.g., requests made in 2015 will receive information regarding 2014 sharing activities). To obtain this information on behalf of FNF,please send an email message to prtvacy@fnf.com with 'Request for California Privacy Information"In the subject line and in the body of your message.We will provide the requested information to you at your email address in response. Please be aware that not all Information sharing Is covered by the "Shine the Light' requirements and only Information on covered sharing will be Included in our response. Additionally, because we may collect your Personal Information from time to time, California's Online Privacy Protection Act requires us to disclose how we respond to "do not track" requests and other similar mechanisms.Currently, our policy Is that we do not recognize "do not track" requests from Internet browsers and similar devices. No Representations or Warranties By providing this Privacy Notice, Fidelity National Financial, Inc. does not make any representations or warranties whatsoever concerning any products or services provided to you by its majority-owned subsidiaries.In addition, you also expressly agree that your use of the Website Is at your own risk.Any services provided to you by Fidelity National Financial, Inc. and/or the Website are provided 'as Is" and "as available" for your use, without representations or warranties of any kind, either express or implied, unless such warranties are legally Incapable of exclusion.Fidelity National Financial, Inc. makes no representations or warranties that any services provided to you by it or the Webstte, or any services offered in connection with the Website are or will remain urintemipted or error-free, that defects will be corrected, or that the web pages on or accessed through the Website, or the servers used in connection with the Website, are or will remain free from any viruses, worms, time bombs, drop dead devices, Trojan horses or other harmful components.Any liability of Fidelity National Financial, Inc. and your exclusive remedy with respect to the use of any product or service provided by Fidelity National Financial,Inc.Including on or accessed through the Website, will be the re-performance of such service found to be inadequate. Your Consent To This Privacy Notice By submitting Personal Information to FNF, you consent to the collection and use of Information by us as specified above or as we otherwise see fit,In compliance with this Privacy Notice, unless you Inform us otherwise by means of the procedure identified below.if we decide to change this Privacy Notice, we will make an effort to post those changes on the Website.Each time we collect information from you following any amendment of this Privacy Notice will signify your assent to and acceptance of Its revised terms for all previously collected information and information collected from you In the future.We may use comments, Information or feedback that you may submit in any manner that we may choose without notice or compensation to you. If you have additional questions or comments, please let us know by sending your comments or requests to: Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Rorida 32204 Attn: Chief Privacy Officer (888) 934-3354 privacydrntcom Copyright A 2015.Fidelity National Financial, Inc.All Rights Reserved.EFFECTIVE AS OF:JANUARY 6, 2015 Privacy Statement Printed:03.12.15 @ 08:47AM by WS SCA0002697.doc I Updated:07.25.13 —73715003437 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 filed rate.As such, your transaction may not qualify for the below discounts. You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative.These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount.These discounts only apply to transactions involving services rendered by the FNF Family of Companies.This notice only applies to transactions involving property improved with a one-to-four family residential dwelling. Not all discounts are offered by every FNF Company.The discount will only be applicable to the FNF Company as indicated by the named discount FNF Underwritten Title Companies Underwritten by FNF Underwriters CTC -Chicago Title Company CTIC -Chicago Title Insurance Company Available Discounts CREDIT FOR PRELIMINARY TITLE 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 twelve (12) to thirty-six (36) months and all or a portion of the charge previously paid for the report or commitment may be credited on a subsequent policy charge. 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 twenty-four (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 fifty percent (50%) of the appropriate title insurance rate. CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (C11C) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be fifty percent (50%)to seventy percent (70%)of the appropriate title insurance rate,depending on the type of coverage selected.The charge for a lender's policy shall be thirty-two percent (32%)to fifty percent (50%)of the appropriate title insurance rate, depending on the type of coverage selected. Notice or Available Discounts Punted:03.12.16 08:47AM by WS SCA0002698.doc / Updated:12.05.14 —73715003437 09 .204-28 Nzzi......kk. immartmeateav /- SHT 1 OF 3-10 0- V G.*COR tA S'C.ARL5BAD TCT 75-11g1 J ( 1.=200' E -'.'r c9c-csij-x.m4(...,3__,Jul EFFER,§ON it.ST I 07/20/7055 .4.91.41-4 g:•f'!.416.4).L/ 7.-.E1. 00 .....S• .e Ilitiliti..i 0 NIna LkII n g' 1 8.:0ko., .. 11.1r.•0 ..-‹.: 1.1.1 . 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