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HomeMy WebLinkAboutCT 2017-0005; GRAND WEST; Tentative Map (CT)LAND USE REVIEW -tevelopment ServicesCity of 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 ID General Plan Amendment E]Conditional Use Permit Minor 1:1 Extension 0 Local Coastal Program Amendment 5 Day Care (Large) Master Plan Amendment Environmental Impact Assessment Specific Plan Amendment Habitat Management Permit Minor El Zone Change Hillside Development Permit Minor 1:1 Zone Code Amendment Nonconforming Construction Permit South Carlsbad Coastal Review Area Permits _a Planned Development Permit Minor Q (Iv Review Permit El Residential Non-Residential Oil'DC05 Administrative Minor ['Major Planning Commission Determination Reasonable Accommodation Village Review Area Permits Site Development Plan 5 Minor Review Permit Special Use Permit ['Administrative El Minor Major Tentative Parcel Map (Minor Subdivision)Public Notice $326 Postage/mailing -(2 sets @ $.49/ea label)56.84 ET Tentative Tract Map (Major Subdivision)efowl 1 —CICC)Total Submittal Fees:$17,704.84 Variance El 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):203-130-2500 and 203-130-2600 LOCATION OF PROJECT:972 and 988 Grand Avenue (STREET ADDRESS) NAME OF PROJECT:Grand West -Carlsbad BRIEF DESCRIPTION OF PROJECT:Tentative Tract Map for development of 6 condominium units in RD-M zone with General Plan Land Use R-1 PROJECT VALUE ESTIMATED COMPLETION DATE(SITE IMPROVEMENTS) FOR CITY USE ONLY (IA ion -0005Development No.Ce-V 9-0 .00(0 Lead Case No. P-1 Page 1 of 6 Revised 03/17 r•-... OWNER NAME (PLEASE PRINT)APPLICANT NAME (PLEASE PRINT) INDIVIDUAL NAME .INDIVIDUAL NAME The Arie E. de Jong III and Silva de Jong (if applicable):Eric de Jong and Silva de Jong (if applicable):Family Trust COMPANY NAME COMPANY NAME (if applicable):(if applicable): MAILING ADDRESS:807 E. Mission Road MAILING ADDRESS: CITY, STATE, ZIP:San Marcos, CA 92069 CITY, STATE, ZIP: TELEPHONE:TELEPHONE: EMAIL ADDRESS:eric@diamondprovides.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 INFORMATIO IS T E AND CORRECT TO THE BEST OF MY AND THAT ALL THE ABO INFORMATION IS TRUE AND CORRECT TO KNOWLED .I CE FY EGAL OWNER THAT THE APPLICANT AS THE BEST 0 KNO DGE. SET FO HE IS AUTHORIZED REPRESENTATIVE FOR PURP OF APP ATION./;•,-.0 IC UR 06—SI RE or TE APPLICANTS RE ESENTATIVE (Print):Consultants Collaborative, Inc. MAILING ADDRESS:160 Industrial Street, Suite 200 CITY, STATE, ZIP:San Marcos, CA 92078 TELEPHONE:760/471-2365 EMAIL ADDRESS:jason@cciconnect.com or teny@cciconnect.com I CERTIFY THAT I AM THE REPRESENTATIVE OF THE APPLICANT FOR PURPOSES OF THIS APPLICATION AND THAT ALL THE ABOVE INFORMATa IS TRUE AND CORRECT TO THE BEST OF MYjKNOWLED. ki sKomATURE DA 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 ANDIND.ANY SUC SSORS IN INTEREST. --k?hi PROPER WNER SIGNATURE FOR CITY USE ONLY RF c ElvED AUG 0 8 2017 CITY OF CARLSBAD PLANNING DIVISION DATE STAMP APPLICATION RECEIVED RECEIVED BY: th4;(4.AJCL P-1 Paae 2 of 6 Revised 03/17 es" Development Services City of DISCLOSURE STATEMENT Planning Division Carlsbad P-1(A)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov Applicant's statement or disclosure of certain ownership interests on all applications which will require discretionary action on the part of the City Council or any appointed Board, Commission or Committee. The following information MUST be disclosed at the time of application submittal.Your project cannot be reviewed until this information is completed. Please print. Note: Person is defined as "Any individual, firm, co-partnership, joint venture, association, social club, fraternal organization, corporation, estate, trust, receiver, syndicate, in this and any other county, city and county, city municipality, district or other political subdivision or any other group or combination acting as a unit." Agents may sign this document; however, the legal name and entity of the applicant and property owner must be provided below. 1.APPLICANT (Not the applicant's agent) Provide the COMPLETE.LEGAL names and addresses of ALL persons having a financial interest in the application. If the applicant includes a corporation or partnership, include the names,titles,addresses of all individuals owning more than 10%of the shares.IF NO INDIVIDUALS OWN MORE THAN 10%OF THE SHARES,PLEASE INDICATE NON-APPLICABLE (N/A)IN THE SPACE BELOW.If a publicly-owned corporation,include the names,titles,and addresses of the corporate officers.(A separate page may be attached if necessary.) Person The Arie E. de Jong and Corp/Part Title Silva de Jong Family Trust Title Address 807 E.Mission Rd, San Marcos, CA Address 2.OWNER (Not the owner's agent) Provide the COMPLETE,LEGAL names and addresses of ALL persons having any ownership interest in the property involved.Also,provide the nature of the legal ownership (i.e.,partnership,tenants in common,non-profit,corporation,etc.).If the ownership includes a corporation or partnership, include the names, titles, addresses of all individuals owning more than 10% of the shares.IF NO INDIVIDUALS OWN MORE THAN 10%OF THE SHARES,PLEASE INDICATE NON-APPLICABLE (N/A)IN THE SPACE BELOW.If a publicly-owned corporation,include the names,titles,and addresses of the corporate officers.(A separate page may be attached if necessary.) Person 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 The Arie E.de Jong Non Profit/Trust Title and Silva de Jong Family Trust Title Address 807 E.Mission Rd Address San Marcos, CA 92069 4.Have you had more than $500 worth of business transacted with any member of City staff,Boards,Commissions,Committees and/or Council within the past twelve (12) months? nYes ri No If yes, please indicate person(s): NOTE:Attach additional sheets if necessary. I certify that II the above information is true and correct to the best of my knowledge. S ature o owner/d Signature of applicant/date e C COQ rint or type name of owner Print or type name of applicant Signature of owner/applicant's agent if applicable/date Print or type name of owner/applicant's agent P-1(A)Page 2 of 2 Revised 07/10 f CaC Ay of PROJECT DESCRIPTION Development Services Planning Division Carlsbad P-1 (B)1635 Faraday Avenue (760) 602-4610 www.carlsbadca.gov PROJECT NAME:Grand West -Carlsbad APPLICANT NAME:The Arie E de Jong III and Silva de Jong Family Trust 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 application to the City of Carlsbad is for a Tentative Tract Map in the RD-M zone with General Plan Land Use designation of R-15 which allows for the subdivision into six (6) condominium units with a lot coverage of 60%.The proposed Planned Development will consist of 6 condominium units at 13.33 DUA. P-1(8)Page 1 of 1 Revised 07/10 re'-. HAZARDOUS WASTE Development ServicesCCity of AND SUBSTANCES Planning Division Carlsbad STATEMENT 1635 Faraday Avenue (760) 602-4610PA(C)www.carlsbadca.gov Consultation of Lists of Sites Related to Hazardous Wastes (Certification of Compliance with Government Code Section 65962.5) Pursuant to State of California Government Code Section 65962.5,I have consulted the Hazardous Waste and Substances Sites List compiled by the California Environmental Protection Agency and hereby certify that (check one): Ell The development project and any alternatives proposed in this application are not contained on the lists compiled pursuant to Section 65962.5 of the State Government Code. 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:Consultants Collaborative, Inc.The Arie E. de Jong HI and Silva de Jong Family TrustName: Address:160 Industrial Street, Suite 200 Address:807 E.Misson Road San Marcos, CA 92078 San Marcos, CA 92069 Phone Number 760 -471-2365 Phone Number Address of Site:972 and 988 Grand Avenue Local Agency (City and County):Carlsbad Assessor's book, page, and parcel number 203-130-2500 and 203-130-2600 Specify list(s): Regulatory Identification Number: Date of List: Alplicantignature/P -Property Owner Signature/Da 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 ENVIRONMENTAL INFORMATION FORM (To be Completed by Applicant) Date Filed:01(/I 7 (To be completed by City) Application Number(s):01 2017 -00051PLO) 9-017 -000c- General Information 1.Name of project:Grand 2.Name of developer or project sponsor:Collborative Consultants, Inc. Address:160 Industrial Street, Suite 200 City, State, Zip Code:San Marcos, CA 92078 Phone Number:760/471.2365 3.Name of person to be contacted concerning this project:Jason Simmons/Terry Mathew Address:Same as above City,State, Zip Code: Phone Number: 4.Address of Project:972 and 988 Grand Avenue Assessor's Parcel Number 203-130-2600 and 203-130-2500 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: 6.Existing General Plan Land Use Designation:R-15 7.Existing zoning district:RD-M 8.Existing land use(s): 9.Proposed use of site (Project for which this form is filed):Multi-family residential Project Description 10.Site size:19,800 sf/.45 acre 11.Proposed Building square footage: 12:Number of floors of construction:3 13.Amount of off-street parking provided:12 private and 3 guest 14.Associated projects:N/A P-1(D)Page 2 of 4 Revised 07/10 15.If residential, include the number of units and schedule of unit sizes:6 condo units; 1,857 to 2,300 sf 16.If commercial, indicate the type, whether neighborhood, city or regionally oriented, square footage of sales area, and loading facilities: 17.If industrial, indicate type, estimated employment per shift, and loading facilities: 18.If institutional, indicate the major function, estimated employment per shift, estimated occupancy, loading facilities, and community benefits to be derived from the project: 19.If the project involves a variance, conditional use or rezoning applications, state this and indicate clearly why the application is required: N/A 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 ED alteration of ground contours. 21.Change in scenic views or vistas from existing residential areas or public lands or El roads. 22.Change in pattern, scale or character of general area of project. El 23.Significant amounts of solid waste or litter. 24.Change in dust, ash, smoke, fumes or odors in vicinity. El 25.Change in ocean,bay,lake,stream or ground water quality or quantity,or El 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. El 28.Use of disposal of potentially hazardous materials,such as toxic substances, El flammables or explosives. 29.Substantial change in demand for municipal services (police, fire, water, sewage, El etc.). 30.Substantially increase fossil fuel consumption (electricity, oil, natural gas, etc.). El 31.Relationship to a larger project or series of projects. 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 d belief Date:017 Signature: For: P-1(D)Page 4 of 4 Revised 07/10 .• Grand West —Carlsbad Environmental Information Form Environmental Setting 32.The property located at 972 and 988 Grand Avenue in Carlsbad with the two single family homes with the combined lots approximately 19,800 square feet.The lots are landscaped with ornamental trees and shrubs used to screen the residences from the street.The area is generally flat at an approximate elevation of 68 feet msl (above mean sea level). The site is within the coastal plain area that is characterized by Cretaceous, Tertiary, and Quaternary sedimentary deposits that onlap an eroded basement surface consisting of Jurassic and Cretaceous crystalline rocks. See soils report for further details. 33.The surrounding area is a fully developed are comprised of older single-family homes with a Motel 6 immediately south across Grand Avenue from the subject sites. Due to the age of the two existing residences as well as adjacent properties, the area is being redevelopment specifically with the high-density project at 800 Grand Avenue and the Carlsbad Village Lofts at 1044 Carlsbad Village Drive which abuts Grand Avenue near the subject project.The proposed project compliments the architectural style and design of the lofts yet provides exterior spaces for California outdoor living.See photos of the immediately surrounding neighborhood along Grand Avenue and at the corner of Hope and Grand. TIME LIMITS ON Development Services City of DISCRETIONARY Planning Division Carlsbad PROJECTS 1635 Faraday Avenue (760) 602-4610 P-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) 60 10.A2 Applicant Signature: Staff Signature: Date:1/97 To be stapled with receipt to the application P-1(E)Page 1 of 1 Revised 07/10 STORM WATER STANDARDS E-34 Development ServicesCity of QUESTIONNAIRE Land Development Engineering Carlsbad 1635 Faraday Avenue (760) 602-2750 www.carlsbadca.gov INSTRUCTIONS:• To address post-development pollutants that may be generated from development projects,the city requires that new development and significant redevelopment priority projects incorporate Permanent Storm Water Best Management Practices (BMPs)into the project design per Carlsbad BMP Design Manual (BMP Manual).To view the BMP Manual, refer to the Engineering Standards (Volume 5). This questionnaire must be completed by the applicant in advance of submitting for a development application (subdivision,discretionary permits and/or construction permits).The results of the questionnaire determine the level of storm water standards that must be applied to a proposed development or redevelopment project.Depending on the outcome,your project will either be subject to 'STANDARD PROJECT'requirements or be subject to 'PRIORITY DEVELOPMENT PROJECT' (PDP) requirements. Your responses to the questionnaire represent an initial assessment of the proposed project conditions and impacts.City staff has responsibility for making the final assessment after submission of the development application.If staff determines that the questionnaire was incorrectly filled out and is subject to more stringent storm water standards than initially assessed by you, this will result in the return of the development application as incomplete.In this case,please make the changes to the questionnaire and resubmit to the city. If you are unsure about the meaning of a question or need help in determining how to respond to one or more of the questions, please seek assistance from Land Development Engineering staff. A completed and signed questionnaire must be submitted with each development project application.Only one completed and signed questionnaire is required when multiple development applications for the same project are submitted concurrently. PROJECT INFORMATION PROJECT NAME: Grand West PROJECT ID: ADDRESS: 972 &988 Grand Avenue, Carlsbad CA.APN: 203-130-25-00, 203-130-26-00 The project is (check one):0 New Development Redevelopment 0.43The total proposed disturbed area is:18,550ft2 )acres The total proposed newly created and/or replaced impervious area is:8,210ft2 (0.19 )acres If your project is covered by an approved SWQMP as part of a larger development project,provide the project ID and the SWQMP # of the larger development project: Project ID SWQMP #: Then,go to Step 1 and follow the instructions.When completed,sign the form at the end and submit this with your application to the city. E-34 Page 1 of 4 REV 02/16 ••STEP 1 TO SE COMPLETED FOR ALL PROJECTS To determine if your project is a "development project", please answer the following question: YES NO Is your project LIMITED TO routine maintenance activity and/or repair/improvements to an existing building or structure that do not alter the size (See Section 1.3 of the BMP Design Manual for guidance)? If you answered "yes' to the above question,provide justification below then go to Step 5,mark the third box stating "my project is not a 'development project'and not subject to the requirements of the BMP manual" and complete applicant information. Justification/discussion: (e.g. the project includes only interior remodels within an existing building): If you answered "no" to the above question, the project is a 'development project', go to Step 2. TO SE COMPLETED POR ALL DEVELOPMENT PROJECTS To determine if your project is exempt from PDP requirements pursuant to MS4 Permit Provision E.3.b.(3), please answer the following questions: Is your project LIMITED to one or more of the following:YES NO 1.Constructing new or retrofitting paved sidewalks, bicycle lanes or trails that meet the following criteria: a)Designed and constructed to direct storm water runoff to adjacent vegetated areas, or other non- erodible permeable areas; b)Designed and constructed to be hydraulically disconnected from paved streets or roads; c)Designed and constructed with permeable pavements or surfaces in accordance with USEPA Green Streets guidance? 2.Retrofitting or redeveloping existing paved alleys, streets, or roads that are designed and constructed in accordance with the USEPA Green Streets guidance? 3.Ground Mounted Solar Array that meets the criteria provided in section 1.4.2 of the BMP manual? If you answered "yes" to one or more of the above questions, provide discussion/justification below, then go to Step 5,mark the second box stating "my project is EXEMPT from PDP ..." and complete applicant information. Discussion to justify exemption (e.g.the project redeveloping existing road designed and constructed in accordance with the USEPA Green Street guidance): If you answered "no" to the above questions, your project is not exempt from PDP, go to Step 3. E-34 Page 2 of 4 REV 02/16 • -•„•,„7:Z116.44.Va To determine if your project is a PDP, please answer the following questions (MS4 Permit Provision E.3.b.(1)): YES NO 1.Is your project a new development that creates 10,000 square feet or more of impervious surfaces collectively over the entire project site?This includes commercial,industrial,residential,mixed-use, IZI and public development projects on public or private land. 2.Is your project a redevelopment project creating and/or replacing 5,000 square feet or more of impervious surface collectively over the entire project site on an existing site of 10,000 square feet or 0 0more of impervious surface?This includes commercial,industrial,residential,mixed-use,and public development projects on public or private land. 3.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a restaurant?A restaurant is a facility that sells prepared foods and drinks for consumption, including stationary lunch counters and 0 0 refreshment stands selling prepared foods and drinks for immediate consumption (Standard Industrial Classification (SIC) code 5812). 4.Is your project a new or redevelopment project that creates 5,000 square feet or more of impervious surface collectively over the entire project site and supports a hillside development project?A hillside 0 0 development project includes development on any natural slope that is twenty-five percent or greater. 5.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a parking lot? A parking lot is 0 0alandareaorfacilityforthetemporaryparkingorstorageofmotorvehiclesusedpersonallyfor business or for commerce. 6.Is your project a new or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface collectively over the entire project site and supports a street,road,highway 0 0freeway or driveway?A street,road,highway,freeway or driveway is any paved impervious surface used for the transportation of automobiles, trucks, motorcycles, and other vehicles. 7.Is your project a new or redevelopment project that creates and/or replaces 2,500 square feet or more of impervious surface collectively over the entire site,and discharges directly to an Environmentally Sensitive Area (ESA)?"Discharging Directly to" includes flow that is conveyed overland a distance of 0 200 feet or less from the project to the ESA, or conveyed in a pipe or open channel any distance as an isolated flow from the project to the ESA (i.e. not commingled with flows from adjacent lands).* 8.Is your project a new development or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious surface that supports an automotive repair shop?An automotive repair Eshop is a facility that is categorized in any one of the following Standard Industrial Classification (SIC) codes: 5013, 5014, 5541,7532-7534, or 7536-7539. 9.Is your project a new development or redevelopment project that creates and/or replaces 5,000 square feet or more of impervious area that supports a retail gasoline outlet (RGO)?This category includes RGO's that meet the following criteria:(a)5,000 square feet or more or (b)a project Average Daily Traffic (ADT)of 100 or more vehicles per day. 10.Is your project a new or redevelopment project that results in the disturbance of one or more acres of land zand are expected to generate pollutants post construction? 11.Is your project located within 200 feet of the Pacific Ocean and (1) creates 2,500 square feet or more of impervious surface or (2)increases impervious surface on the property by more than 10%?(CMC 0 0 21.203.040) If you answered "yes" to one or more of the above questions, your project is a PDP.If your project is a redevelopment project, go to step 4.If your project is a new project, go to step 5, check the first box stating "My project is a PDP ..." and complete applicant information. If you answered "no" to all of the above questions, your project is a 'STANDARD PROJECT.'Go to step 5,check the second box stating "My project is a 'STANDARD PROJECT'..." and complete applicant information. E-34 Page 3 of 4 REV 02/16 STEP 4 'TO BE COMPLETED FOR REDEVELOPMENT PROJECTS THAT ARE PRIORITY DEVELOPMENT PROJECTS (PDP) ONLY Complete the questions below regarding your redevelopment project (MS4 Permit Provision E.3.b.(2)): YES NO Does the redevelopment project result in the creation or replacement of impervious surface in an amount of less than 50%of the surface area of the previously existing development?Complete the percent impervious calculation below: 020Existing impervious area (A)=7,sq. ft. 210Total proposed newly created or replaced impervious area (B)=8,sq. ft. Percent impervious area created or replaced (B/A)1 11700=ok If you answered "yes",the structural BMPs required for PDP apply only to the creation or replacement of impervious surface and not the entire development.Go to step 5, check the first box stating "My project is a PDP ..." and complete applicant information. If you answered "no," the structural BMP's required for PDP apply to the entire development.Go to step 5,check the check the first box stating "My project is a PDP ..." and conilete applicant information. STEP CHECK THE APPROPRIATE BOX.AND COMPLETE APPLICANT INFORMATION Z My project is a PDP and must comply with PDP stormwater requirements of the BMP Manual.I understand I must prepare a Storm Water Quality Management Plan (SWQMP) for submittal at time of application. 0 My project is a 'STANDARD PROJECT' OR EXEMPT from PDP and must only comply with 'STANDARD PROJECT' stormwater requirements of the BMP Manual.As part of these requirements,I will submit a "Standard Project Requirement Checklist Form E-36" and incorporate low impact development strategies throughout my project. Note:For projects that are close to meeting the PDP threshold, staff may require detailed impervious area calculations and exhibits to verify if 'STANDARD PROJECT' stormwater requirements apply. IE My Project is NOT a 'development project'and is not subject to the requirements of the BMP Manual. Applicant Information and Signature Box JongApplicant Name:Eric de Applicant Title:C960 Applicant Signature:Date:fflt *Environmentally Sensitive Areas include but ar n imited to all Clean Water Act Section 303(d) impaired water bodies; areas designated as Areas of Special Biological Significance by the State Water Reso es Control Board (Water Quality Control Plan for the San Diego Basin (1994) and amendments); water bodies designated with the RARE beneficial use by the State Water Resources Control Board (Water Quality Control Plan for the San Diego Basin (1994)and amendments); areas designated as preserves or their equivalent under the Multi Species Conservation Program within the Cities and County of San Diego; Habitat Management Plan; and any other equivalent environmentally sensitive areas which have been identified by the City. This Box for City Use Only YES NO City Concurrence: By: Date: Project ID: E-34 Page 4 of 4 REV 02/16 CERTIFICATION OF TRUST FOR THE ARIE E. DE JONG,III AND SILVA DE JONG FAMILY TRUST DATED NOVEMBER 29, 1995 The trust provisions of the Arie E.de Jong, III and Silva de Jong Family Trust dated November 29, 1995 are summarized as follows: 1.The Trust was executed on November 29, 1995. 2.The names of the Trustors are Arie E.de Jong, Ill (aka Eric de Jong) and Silva de Jong. 3.The names of the current Trustees are Arie E.de Jong, Ill (aka Eric de Jong) and Silva de Jong. 4.The Trust is revocable. 5.The Trustees may sign documents and take actions to exercise all of the powers of the Trustees and bind the Trust. 6.The Trust's federal identification number is the social security number of Arie E.de Jong, Ill (aka Eric de Jong). 7.The title of all Trust assets shall be taken as follows: "Arie E.de Jong, Ill and/or Silva de Jong, Trustees of the Arie E.de Jong,Ill and Silva de Jong,Family Trust dated November 29, 1995" 8.As of the date of this Certification, this Trust has not been revoked, modified or amended in any manner which would cause the representations contained herein to be incorrect. 9.This Certification is being signed by all of the currently acting Trustees of the Trust. 10.Copies of certain Trust pages are attached to this Certification. These pages include the face page, the powers of Trustees, the designation of Trustees, the Trustors' signatures, and the acknowledgment of the Trustors' signatures.These copies are true and correct copies of the original pages. Page -1 - This Certification of Trust is made pursuant to California Probate Code section 18100.5. We declare under penalty of perjury under the laws of the State of California that the foregoing statements are true and correct. Dated: August 7-1 ,2013 Arie E.de J Dated: August (9.I .2013 Si va de Jong, 0rustee State of California County of San Diego On August 2.--1 .2013 before me, Tina Lovato,a Notary Public, personally appeared ARIE E. DE JONG, Ill and SILVA DE JONG, who proved to me on the basis of satisfactory evidence to be the persons whose names are subscribed to the within instrument and acknowledged to me that they executed the same in their authorized capacities, and that by their signatures on the instrument the persons, or the entities on behalf of which the persons acted, executed the instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. dots TINA LOVATO ":4111n1Th",A.CommIssI7 19a8009r9u6av.i.;;II!Notary Pub County (Seal) Signature of Notary Public l‘m":91 M Cont. Diego xieglres L1112IY9 2016 WOMB Files \Clients12538 E. de Jong\003 Estate Planning \Finals \Trust.Cert.07-22-13.wpd Page -2- fr"--‘ 1 Copy DECLARATION OF TRUST (ORIGINA.I. OF THIS DOCUMENT HAS BEEN RETAINED IN THE OF WHITE AND BRIGHT FIRE FILE) THE ARIE E.DEJONG III AND SILVA DE JONG FAMILY TRUST .- 1.INTRODUCTION. Arie E.DeJong III and Silva Deking (herein the "Trustors" or "Trustees", depending on the context, and sometimes referred to as husband and wife) declare they have set aside and hold in trust the property described in Exhibit "A" attached hereto incorporated herein by reference, subject to the provisions contained in this Declaration of Trust. 2.TRUST ESTATE. All property subject to this instrument from time to time is referred to as the "Trust Estate"and shall be held,administered,and distributed. according to this instrument. Trustors declare that all the property described in Exhibit "A" as community property or separate property shall retain its character as such not withstanding the Itransfer to this trust.Any power reserved to Trustors to alter, amend, modify, or revoke A this trust,in whole or in part,is held by the Trustors during their joint lifetimes in their S.+ capacities as managers of the community property, subject to ail restrictions imposed by - law on their management of the community property.In no event shall the powers granted to the Trustees under this instrument during the joint lifetimes of Trustors be more extensive than those powers possessed by husband or wife under the provisions of California Civil Code Sections 5125 and 5127.If the Trust is revoked,the trust property shall be returned to the Trustors as their community property or separate property, according to the character of the property prior to transfer into the Trust.The Trustors further intend that any transfer of separate property into this Trust shall not in any way alter the character of said property, and that each Trustor shall retain the right hereunder to receive all income or proceeds form his or her own separate property during his or her lifetime, subject only to the provisions herein relating to incapacity of z-ir a Trustor.37-a): 3.LIFETIME DISTRIBUTIONS. 3.1 Distributions to Married Trustors From Community Estate. During the Trustors'joint lifetimes,the Trustees shall pay to both spouses for the :-- account of the community,or apply for the Trustors'benefit,the net income of the community estate in quarter-annual or more frequent installments. -• •.• or wife, as the case may be,had occurred immediately following the event requiring distribution, and shall be determined according to the laws of succession of the State of California then in force relating to separate property not acquired from a parent, grandparent, or previously deceased spouse. 8.8 Termination When Share is Small.If the trust share held for any beneficiary who is over twenty-one (21)years has a total value at the end of any calendar year of less than Ten Thousand Dollars ($10,000.00),the Trustee in the Trustee's discretion may distribute the entire trust estate to that beneficiary and may terminate the trust for that beneficiary. 8.9 Preventing Outright Distribution to Young Beneficiary.If any beneficiary entitled to outright distribution of a trust or of a portion of a trust is under age twenty-one (21), the Trustee shall hold and administer the beneficiary's portion of the trust estate for his or her benefit. Income of the property retained in trust shall be added to principal,and the Trustee shall pay to or apply for the benefit of the beneficiary as much of the beneficiary's trust as the Trustee in the Trustee's discretion considers necessary for the beneficiary's proper health,education,support,and maintenance. When the beneficiary attains the age of twenty-one (21), the Trustee shall distribute to the beneficiary all property retained in trust for his or her benefit. 8.10 Distribution on Beneficiary's Death Before Complete Distribution.If a minor dies before attaining age 18, the property retained for him or her shall be distributed,subject to the provisions of Section 8.9,to the beneficiary's issue, or if there is none, to the Trustor's living issue by right of representation, provided, however, that any part of the balance that would otherwise be distributed to a person for whose benefit a trust is then being administered under this instrument shall be added instead to that trust and administered according to its terms.Any additions to a partially distributed trust shall augment proportionately the distributed and undistributed portions of the trust. 8.11 Equitable Proration of Taxes.Subject to the provisions of Sections 8.3 and 11.17 pertaining to Treasury bonds,unless the Surviving Spouse's will directs otherwise, all estate and inheritance taxes paid at the Surviving Spouse's death that are attributable to any trust created under this instrument shall be paid from the Trust Estate and charged to, or recovered from, the persons entitled to benefit under this instrument as provided by California Probate Code Section 20110 and related sections,or any successor statutes or amendments thereto,without giving effect to Internal Revenue Code Section 2207A. 9.REVOCATION AND AMENDMENT. 9.1 Revocation By Both Spouses During Trustors' Joint Lifetimes. During the Trustors' joint lifetimes, this trust may be revoked in whole or in part: with respect to community property,by a written instrument signed by either Trustor and delivered to the Trustees and the other Trustor; and with respect to separate property, 9 by a written instrument signed by the Trustor who contributed the property to the trust and delivered to the Trustees.On revocation, the Trustees shall promptly deliver to the Trustor all or the designated portion of the community property trust assets. All community property delivered to the Trustors on revocation shall continue to be the community property of the Trustors and shall be held and administered as community property.On revocation, the Trustees shall promptly deliver to the contributing Trustor all or the designated portion of any separate property. If this instrument is revoked with respect to all or a major portion of the assets subject to the instrument, the Trustees shall be entitled to retain sufficient assets reasonably necessary to secure payment of liabilities the Trustees have lawfully incurred • in administering the Trust, including Trustees' fees that have been earned, unless the Trustors indemnify the Trustees against loss or expense.• Only the owner-noninsured spouse may revoke or amend this trust regarding any insurance policy or its proceeds on the life of the insured spouse owned by the owner-noninsured spouse as his or her separate property, and he or she shall have the power only during the insured spouse's lifetime.Regarding the insurance, any revocation or amendment made by the insured spouse at any time shall have no effect and shall not be taken into account. 9.2 Amendment. The Trustors may at any time during their joint lifetime amend any terms of this trust by written instrument signed by both Trustors and delivered to the Trustees.No amendment shall substantially increase the Trustees' duties or liabilities or change the Trustees' compensation without the Trustees' consent, nor shall the Trustees be obligated to act under such amendment unless the Trustees accept it.If a Trustee is removed as a result of refusal to accept an amendment, the Trustors shall pay to the Trustee any sums due and shall indemnify the Trustee against liability the Trustees have lawfully incurred in administering the Trust. Only the spouse who contributed separate or quasi-community property may amend these trusts regarding property owned by him or her as his or her separate property or quasi-community property.Regarding the separate property and quasi community property of each spouse, any amendment made by the non-owner spouse at any time shall have no effect and shall not be taken into account 9.3 Revocation and Amendment By Surviving Spouse.On the Deceased Spouse's death, the Surviving Spouse may amend, revoke, or terminate the Survivor's Trust; but the Exemption Trust may not be amended, revoked or terminated. On the Surviving Spouse's death,none of the trusts may be amended,revoked or terminated.On revocation or termination of the Survivor's Trust,all of its assets shall be delivered to the Surviving Spouse. o • ..."`",• .. If this instrument is revoked with respect to all or a major portion of the asset subject to this instrument, the Trustees shall be entitled to retain sufficient assets reasonably necessary to secure payment of liabilities the Trustees have lawfully incurred in administering the Trust,including Trustees'fees that have been earned,unless Trustors indemnify the Trustees against loss or expense. Revocation and amendment shall be made in the manner provided for in Section 9.2 above. .- 10.JURISDICTION. 10.1 Probate Court Jurisdiction Available.Probate Code Section 17200-17210, or any successor or substitute provisions of that code authorizing optional probate court jurisdiction over living trusts, hereby are made expressly applicable to all trusts. 10.2 Who May Invoke Court Jurisdiction.After the death of both Trustors, only the Trustees and any adult person entitled to current income distribution or to current distribution of income or principal at the Trustees' discretion may invoke the court's jurisdiction. 11.TRUSTEES' POWERS. To carry out the provisions of the trusts created by this instrument,the Trustees shall have the following powers, besides those now or later conferred by law: 11.1 Broad Investment Powers:Diversification Not Required.To invest and reinvest all or any part of the Trust Estate in any common or preferred stocks, shares or investment trusts and investment companies, bonds, debentures, mortgages, deeds of trust, mortgage participations, notes, real estate, or other property the Trustees, in the Trustees' discretion, select; to buy stocks or other securities on margin; and to buy or sell options, puts, and calls.The Trustees may continue to hold in the form in which - received (or the form to which changed by reorganization, split-up,stock dividend,or '''.:- other like occurrence)any securities or other property the Trustees may at any time acquire under this trust,it being the Trustors'express desire and intention that the ._ Trustee shall have full power to invest and reinvest the trust assets in the manner that, under the circumstances then prevailing (specifically including,but not limited to, the .igeneral economic conditions and the anticipated needs of the trust and its beneficiaries),'. persons of skill, prudence,and diligence acting in a similar capacity and familiar with .z those matters would use in the conduct of an enterprise of a similar character and with .similar aims,to attain the goals of the Trustors under this instrument,without being 1restricted to forms of investment that the Trustees may otherwise be permitted to make I ...by law; and to consider individual investments as part of an overall investment strategy. The investments need not be diversified.,._._.-_ 4i- -s--; ..... 12. ___ elso, /11.2 Power To Retain Property.To continue to hold any property, including any shares of the Trustees' own stock, and to operate at the risk of the Trust Estate any business that the Trustees receive or acquire under this trust as long as the Trustees consider advisable. 11.3 Power To Purchase Bonds at Premium.To purchase bonds and -• to pay any premiums connected with the purchase that the Trustees in the Trustees' discretion consider advisable; provided, however, each premium is repaid periodically --to principal from the interest on the bond in a reasonable manner as the Trustees determine and,to the extent necessary,from the proceeds on the sale or other disposition of the bond. 11.4 Powers To Purchase Bonds at Discount.To purchase bonds at a discount as the Trustees, in the Trustees' discretion, consider advisable.If,however,• the Trustees determine in the Trustees' discretion that the current yield on the bonds is materially less than the rate of return that the trust could otherwise obtain with equivalent • safety, all or a portion of the discount shall be credited periodically to income of the trust in a reasonable manner as the Trustees determine and, to the extent necessary,paid from the proceeds on the sale or other disposition of the bond or from principal. 11.5 Power To Retain or Purchase Unproductive Property.To retain, purchase, or otherwise acquire unproductive property. 11.6 Power to Manage Securities.To have all the rights, powers, and privileges of an owner of the securities held in trust,including,but not limited to,the powers to vote,give proxies,and pay assessments;to participate in voting trusts,-.Z.- . pooling agreements,foreclosures,reorganizations,consolidations,mergers,and liquidations and, incident to such participation, to deposit securities with and transfer title to any protective or other committee on any terms the Trustees consider advisable; and to exercise or sell stock subscription or conversion rights. 11.7 Power To Sell, Exchange. and Repair.To manage, control, grant options on, sell (for cash or on deferred payments), convey, exchange, partition, divide,ti • improve, and repair trust assets. 11.8 Power To Lease, Including Oil and Mineral Development.To lease trust assets for terms within or beyond the term of the trust for any purpose,:- including exploration for and removal of gas, oil, and other minerals; and to enter into •, community oil leases, pooling and unitization agreements. 11.9 Power To Lend to Trustor's Probate Estate.To lend money to any person, including the probate estate of either Trustor, provided any such loan shall be adequately secured and shall bear a reasonable rate of interest. • 11.10 Power To Purchase Property From Trustor's Probate Estate.To purchase property at its fair market value,as determined by the Trustees,in the ;IV. •Trustees' discretion, from the probate estate of either Trustor. 12 .. 11.11 Release of Powers.Each Trustee shall have the power to release or to restrict the scope of any power that the Trustee may hold in connection with any trust created under this instrument,whether this power is expressly granted in this instrument or implied by law.The Trustees shall exercise this power in a written instrument specifying the powers to be released or restricted and the nature of any restriction.Any released power shall pass to and be exercised by the other acting Trustee. -11.12 Power To Adjust for Tax Consequences.To take any action and to make any election necessary, in the Trustees' discretion, to minimize the tax liabilities of this trust and its beneficiaries.The Trustees shall have the power to allocate the benefits among the various beneficiaries, and sliall have the power to make adjustments in the rights of any beneficiaries,or between the income and principal accounts,to compensate for the consequences of any tax election that the Trustees believe has had the effect of directly or indirectly preferring one beneficiary or group of beneficiaries over others. 11.13 Power To Borrow.To borrow money and to encumber trust assets by mortgage, deed of trust, pledge, or otherwise, for the debts of the trust or the joint debts of the trust and co-owner of the property in which the trust has an • interest, or for a Trustor's debts; and to guarantee a Trustor's debts. 11.14 Power To Initiate or Defend Litigation and To Compromise.To .• initiate or defend, at thp expense of the trust, any litigation relating to the trust or any property of the Trust Estate the Trustees consider advisable,and to compromise or otherwise adjust any claims or litigation against or in favor of the trust. 11.15 Power To Insure.To carry insurance of the kinds and in the amounts the Trustees consider advisable, at the expense of the trust, to protect the Trust Estate and the Trustees personally against any hazard. 11.16 Power To Withhold Payment If Conflicting Claims Arise.To L withhold from distribution, in the Trustees' discretion, at the time for distribution of any *7: property in any trust without the payment of interest, all or any part of the property, if the Trustees determine,in the Trustees'discretion,that the property may be subject to conflicting claims, to tax deficiencies,or to liabilities contingent or otherwise.' 11.17 Power To Purchase Treasury Bonds.To purchase in the - Trustees' discretion at less than par obligations of the United States of America that are = redeemable at par in payment of any federal estate tax liability of either Trustor in the amounts the Trustees consider advisable.For that purpose the Trustees may partition - a portion of the community property of the Trust Estate and make the purchases from either or both portions.The Trustees shall exercise the Trustees'discretion and purchase these obligations if the Trustees' believe that either Trustor is in substantial 13 danger of death,and may borrow funds and give security for that purpose.The • Trustees' shall resolve any doubt concerning the desirability of making the purchase and its amount in favor of making the purchase and in purchasing a larger, even though somewhat excessive amount.The Trustees shall not be liable to either Trustor, any heir _. of either Trustor, or any beneficiary of this trust for losses resulting from purchases made in good faith.Notwithstanding anything in this instrument to the contrary, the Trustees • are directed to pay the federal estate tax due on either Trustor's death in an amount not -less than the par value plus accrued interest of the obligations that are eligible for redemption to pay the deceased Trustor's federal estate taxes, without apportionment ---orcharge against any beneficiary of the Trust Estate or transferee of property passing outside the Trust Estate.The legal representative of the deceased Trustor's estate, or .• if none was appointed,the Trustees acting under this instrument,shall select the redemption date of these obligations. The direction to use accrued interest on Treasury Bonds to pay death taxes shall • not deprive the Surviving Spouse of any income to which the spouse may be entitled • under the provisions of the marital deduction trust created under this instrument, and this income shall be considered in determining the amount of income allocable to that trust. 11.18 Broad Powers of Distribution. To partition, allot, and distribute the Trust Estate on any division or partial or final distribution of the Trust Estate, in undivided interests or in kind, or partly in money and partly in kind, at valuations determined by the Trustees,and to sell any property the Trustees consider necessary for division or .— distribution.In making any division or partial or final distribution of the Trust Estate, the Trustees are not obligated to make a prorate division or to distribute the same assets AI to beneficiaries similarly situated.The Trustees may, in the Trustees' discretion, make a nonprorata division between trusts or shares and nonprorata distributions to the •if12- beneficiaries if the respective assets allocated to separate trust or shares, or distributed to the beneficiaries, have equivalent or proportionate fair market values and income tax bases. 11.19 Authority To Pay Death Taxes.Except as otherwise specifically 77 provided in this instrument, or in either Trustor's will, federal estate taxes imposed on or by reason of the inclusion of any portion of the Trust Estate in the gross taxable 4., estate of either Trustor under the provisions of any federal tax law shall be paid by the Trustees and charged to, prorated among, or recovered from the Trust Estate or the_ persons entitled to the benefits under these trusts as and to the extent provided by any.: applicable applicable tax law or any proration statute.Except when otherwise specifically provided,- rfstatedeathtaxesshallbepaidandchargedtotheTrustEstateordeductedand collected as provided by law. • „.. :4%114 . ...--• .. No distribution under this instrument to or for the benefit of a minor • beneficiary shall discharge the legal obligation of the beneficiary's parents to support him or Her in accordance with the laws of the state of the parents' domicile from time to time, unless a court of competent jurisdiction determines that this distribution is necessary for the minor's support, health, or education._..., 14.SUCCESSOR TRUSTEES AND OTHER REQUIREMENTS. 14.1 Successor Trustees.Any Trustee may resign at any time.On the -7 death, resignation, or incapacity of either husband or wife, the other shall become sole _ Trustee.During any period that the Surviving Spouse serves as sole Trustee of any trust under this instrument, the Surviving Spouse shall have the power to appoint an , additional Trustee to act as cotrustee for any trust with the Surviving Spouse.The • Surviving Spouse shall also have the power to remove any cotrustee and to appoint a new cotrustee to act with the Surviving Spouse.Any appointment of cotrustee (and revocation of appointment) shall be made in a written instrument signed by the Surviving Spouse.The appointment of a cotrustee becomes effective on the new cotrustee's written acceptance of the trust and the delivery of the acceptance to the Surviving Spouse..• If neither spouse qualifies to act as Trustee, or if both spouses cease to act as Trustee, JOHN M. DE JONG shall act as Trustee.If JOHN M.DE JONG shall for any reason fail to qualify or cease to act as Trustee, SERENA ANNA CARLSON shall act as trustee. If SERENA ANNA CARLSON fails to qualify to act, or ceases to act as • Trustee, then WELLS FARGO BANK shall act as Trustee.v•-•.4.7:t 47 .kr.....If at any time,as certified in writing by two (2)licensed physicians not .z;:p.:related by blood or marriage to any Trustor, Trustee (or successor), or beneficiary of this .1:- E7trust, an acting Trustee is physically or mentally incapacitated, whether or not a court of competent jurisdiction has declared him or her incompetent or mentally ill or has •appointed a conservator, the successor Trustee (or a co-trustee,as the case may be)• shall assume the Trusteeship.Er... 14.2 Trustee's Bond.No bond shall be required of any person named .._ in this instrument as Trustee, or of any person appointed as the Trustee in the manner .;, specified in this instrument, for the faithful performance of his or her duties as Trustee. 14.3 AvoidingRequirementforUnanimity.Any action by a majority of the Trustees shall be binding on the Trust Estate and may be relied on by third parties ..,1dealingwiththeTrustees.If there are two (2)Trustees,the decision must be ., unanimous. 14.4 Cotrustee.No Trustee shall be liable or responsible for any act,TA -- omission,or default of any other Trustee, provided the Trustee has no knowledge of .7-r... facts that might reasonably be expected to put the Trustee on notice of it...--..: 'i'L•4'• • .-..... I ••-•21 rrn--$0... 14.5 Successor Trustee's Liability for Predecessor's Acts.No successor Trustee shall be liable for any act,omission,or default of a predecessor Truitee.Unless requested in writing within sixty (60) days of appointment by an adult beneficiary of the Trust,no successor Trustee shall have any duty to investigate or review any action of a predecessor Trustee.The successor Trustee may accept the accounting records of the predecessor Trustee showing assets on hand without further investigation and without incurring any liability to any person claiming or having an interest in the Trust. 15.ACCOUNTING BY TRUSTEE. During either Trustor's lifetime,the Trustees shall account only to the Trustors or the Surviving Spouse, and their written approval shall be final and conclusive for transactions disclosed in the account concerning all beneficiaries of the Trust, including unborn, unascertained, and contingent beneficiaries.After the death of both Trustors,the Trustee shall render an accounting,from time to time,but not less frequently than every two (2) years after any prior accounting, regarding the transactions of any trust created in this instrument. Accounting shall be made by delivering a written accounting to each beneficiary entitled to current income distribution,or if there are no current income beneficiaries, to each beneficiary entitled to current distribution from income or principal in the Trustee's discretion.If any person entitled to receive an accounting is a minor or is disabled, the accounting shall be delivered to his or her parents or the guardian of his or her person,if a minor,or to the guardian or conservator of his or her person,if disabled. Unless any beneficiary, including parents,guardians,or conservators of beneficiaries, shall deliver a written objection to the Trustee within ninety (90) days after receipt of the Trustee's account,the account shall be final and conclusive for transactions disclosed in the account concerning all beneficiaries of the trust, including unborn, unascertained, and contingent beneficiaries. After settlement of the account by agreement of the parties objecting to it or by expiration of the ninety (90) day period, the Trustee shall no longer be liable to any beneficiary of the Trust, including unborn, unascertained, and contingent beneficiaries, for transactions disclosed in the account, except for the Trustee's intentional wrongdoing or fraud. Except as required above, any reports and accounts otherwise required by aAt:the California Probate Code are hereby waived to the fullest extent of the law._7ft: n4c. 16.TRUSTEES' COMPENSATION. The Trustee shall be entitled to pay itself reasonable compensation from time to time without prior court order.In any event,the Trustee shall be entitled to .. reimburse itself for any expenses of the Trust that it has paid. I•22 "74. • 17.NAME OF TRUST. The trusts created in this instrument may be referred to collectively as the ARIE E.DE JONG III AND SILVA DE JONG FAMILY TRUST and each separate trust created in this instrument may be referred to by adding the name of the beneficiary. Executed at Escondido,California on My ..(9.‘,1995. ARIE E.DE JON ,Gl'irc.-/a--; .7.rustee I)• I l'71"o 4 -r- . • SILVA DE JONG, Trusithe X • We certify that we have read the foregoing Declaration of Trust and that it correctly states the terms and conditions under which the Trust Estate is to be held, managed, and disposed of by the Trustees.We approve the Declaration of Trust in all particulars and request that the Trustees execute it. C..ce(At laS• ARIE E.DE JON II,rustor 5"%•-..._ -Tag; r(1-•Ar SILVA DE JONG, Trttetor STATE OF CALIFORNIA • ialAC COUNTY OF SAN DIEGO On NOV 2.A1 1995, before me,OCnn-ein na L-cvc ,personally .-- appeared Arie E. De Jong III, Trustee and Trustor, personally known to me (or proved - to me on the basis of satisfactory evidence) to be the person(s) whose name(s) is/are . subscribed to the within instrument and acknowledged to me that tah -e/they executed the same inaerktheir authorized capacity(ies), and that byahetitheir signature(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted,- executed the instrument.- WITNESS my hand and official seal. ----- CLEMEMINA 1.0VATO f .comm.970434Notary Public —Collfamia SAN DIEGO COUNTY 't - 1 -0-1 a - 1-(•-).4•12 • My Comm. Expires JUL 20,1996 Signature k Wilt/C1 CLU -- t. 23 • .-•.. ..- STATE OF CALIFORNIA COUNTY OF SAN DIEGO .. On b."0 V .Di .1995, before me,C...4 e.r-n-en -i-inCi LOI./Olt ,personally -•appeared Silva De Jong, Trustee and Trustor, personally known to me (or proved to me on the basis of satisfactory evidence)to be the person(s)whose name(s)is/are . - subscribed to the within instrument and acknowledged to me that blethey executed the same in it:Sr/U1r authorized capacity(ies), and that by heti*signature(s) .on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. WITNESS my hand and official seal.tssase c="thi i - NotaCr/CDPMubiMi! — 97004 0:110'atm°Fr. .A SAN DIEGO COUNTY.My Comm. Expres JUL 29. 1996 Signature (1,LUI'LLTI -1—(f)Cc A A1)0 t-C) ,- iest253802ro aOlg- • 1 • • .; • ,. at...., ,t....,:ta-a*rr.•..—I•c., ..„., •r-1- -- l•24 .... ":?:. C CHICAGO TITLE COMPANY PRELIMINARY REPORT Order No.:73717002038-RCM Property:972 Grand Avenue 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 ofa 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 oftitle and may not list all liens, defects and encumbrances affecting title to the land. Chicago Title Insurance Company By: Countersigned By:free4444: 411".President •Attest: Authorized Officer or Agent Secretary CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 @ 02:13 PM 1 CA-CT-FWDO-02180.055820-SPS-1-17-73717002038 Visit Us on our Website:wvvw.ctic.corn CHICAGO TITLE COMPANY ISSUING OFFICE:2365 Northside Drive, Suite 600, San Diego, CA 92108 FOR SETTLEMENT INQUIRIES, CONTACT: Hilltop Group, Inc. 807 East Mission Road •San Marcos, CA 92069 (760)744-9040 •FAX (760)744-9041 PRELIMINARY REPORT Title Officer:Richard Cesar Moore Customer:Tina Lovato Woods Email:teammoore©ctt.com Email:tlovato@hilltopgroupinc.com Phone No.:(619)521-3590 Phone No.:(760)744-9040 Fax No.:(619)521-3690 Fax No.:(760)744-9041 Title No.: 73717002038-RCM Ref. No.: PROPERTY ADDRESS(ES): 972 Grand Avenue, Carlsbad, CA EFFECTIVE DATE:March 2, 2017 at 07:30 AM The form of policy or policies of title insurance contemplated by this report is: ALTA Homeowners Policy of Title Insurance 2013 ALTA Loan Policy 2006 1.The estate or interest in the Land hereinafter described or referred to covered by this Report is: A Fee 2.Title to said estate or interest at the date hereof is vested in: Arie E. de Jong III and Silva de Jong, Trustees of The Arie E.de Jong III and Silva de Jong Family Trust dated November 29, 1995 Subject to item No.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:03.08.17 rip 02:13 PM 2 CA-CT-FWDO-02180.055820-SPS-1 -17-73717002038 EXHIBIT "A" Legal Description For APN/Parcel ID(s):203-130-26-00 The Southwesterly half of Lot 28 of Schel and Sites Addition to Carlsbad, in the City of Carlsbad, County of San Diego, State of California, according to Map thereof No.2145,filed in the Office of the County Recorder of San Diego County, February 20,1929,the Northeasterly line of which is parallel with and distant 54.60 feet Southwesterly from the Northeasterly line of said Lot 28. CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 @ 02:13 PM 3 CA-CT-FWDO-02180.055820-SPS-1 -17-73717002038 CT Title No.:73717002038-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 2017-2018. 2.Property taxes, including any personal property taxes and any assessments collected with taxes, are as follows: Tax Identification No.:203-130-26-00 Fiscal Year 2016-2017 1st Installment:$3,380.13, paid 2nd Installment:$3,380.13, open Penalty and Cost:$348.01 (Due after April 10) Homeowners Exemption:$0.00 Code Area:09000 3.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. 4.Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date:April 16,1931 Recording No.:in Book 1881, Page 383, of Deeds Said covenants, conditions and restrictions provide that a violation thereof shall not defeat the lien of any mortgage or deed of trust made in good faith and for value. 5.The Land described herein is included within a project area of the Redevelopment Agency shown below, and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law (such redevelopment to proceed only after the adoption of the Redevelopment Plan) as disclosed by a document. Redevelopment Agency:The Village Area Redevelopment Project Area Recording Date:August 17,1981 Recording No.:1981 -261825, Official Records 6.A lien for unsecured property taxes filed by the tax collector of the county shown, for the amount set forth, and any other amounts due. County:San Diego Fiscal Year:2011-2012 Taxpayer:De Jong Arie Eric III,Lessor and Delphi Academy, Lessee County ID No.:074741 Amount:$225.54 Recording Date:November 2, 2011 Recording No.:2011-0586511, Official Records 7.The search did not disclose any open mortgages or deeds of trust of record, therefore the Company reserves the right to require further evidence to confirm that the property is unencumbered, and further reserves the right to make additional requirements or add additional items or exceptions upon receipt of the requested evidence. CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 (fp 02:13 PM 4 CA-CT-FWDO-02180.055820-SPS-1-17-73717002038 Title No.:73717002038-RCM EXCEPTIONS (continued) 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 title is to be insured in the trustee(s) of a trust, (or if their act is to be insured), this Company will require a Trust Certification pursuant to California Probate Code Section 18100.5. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. The Company will require a current Trust Certification, pursuant to California Probate Code Section 18100.5, confirming the following facts and containing the following information, with respect to the hereinafter named Trust(s): Name of Trust(s):The Arie E. de Jong III and Silva de Jong Family Trust 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. CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 ©02:13 PM 5 CA-CT-FWDO-02180.055820-SPS-1-17-73717002038 Title No.:73717002038-RCM EXCEPTIONS (continued) 11.In order to complete this report, the Company requires a Statement of Information to be completed by the following party(ies), Seller(s):Arie E.de Jong III and Silva de Jong The Company reserves the right to add additional items or make further requirements after review of the requested Statement of Information. NOTE:The Statement of Information is necessary to complete the search and examination of title under this order.Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination of certain matters which appear to involve the parties but in fact affect another party with the same or similar name.Be assured that the Statement of Information is essential and will be kept strictly confidential to this file. 12.In order to complete this report, the Company requires a Statement of Information to be completed by the following party(ies), Party(s):Buyer(s) The Company reserves the right to add additional items or make further requirements after review of the requested Statement of Information. NOTE:The Statement of Information is necessary to complete the search and examination of title under this order.Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination of certain matters which appear to involve the parties but in fact affect another party with the same or similar name.Be assured that the Statement of Information is essential and will be kept strictly confidential to this file. END OF EXCEPTIONS CLTA Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 01;02:13 PM 6 CA-CT-FWDO-02180.055820-SPS-1-17-73717002038 Title No.:73717002038-RCM NOTES Note 1.Note: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.Note: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 requirement cannot be met, please call the Company at the number provided in this report. Note 3.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 4.Note:The only conveyance(s) affecting said Land, which recorded within 24 months of the date of this report, are as follows: Grantor:Sapphire Family Holdings, LLC, a California Limited Liability Company Grantee:Arie E.de Jong III and Silva de Jong, Trustees of The Arie E.de Jong III and Silva de Jong Family Trust dated November 29,1995 Recording Date:June 15, 2015 Recording No.:2015-0308791, Official Records Note 5.A Preliminary Change of Ownership form is required upon a change in ownership of the Land. Section 480 of the Revenue and Taxation Code of the State of California requires that a grantee of real property complete a Preliminary Change of Ownership statement, which is to be filed at the time that a grant deed is recorded. In the event that the statement is not completed and presented at the time of the recording of the deed, the recorder will assess the grantee an additional charge to record the deed. Note 6.Note:The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land a single family residence, known as 972 Grand Avenue, Carlsbad, CA, to an Extended Coverage Loan Policy. Note 7.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 Preliminary Report Form -Modified (Adopted:11.17.2006)Printed:03.08.17 a;02:13 PM 7 CA-CT-FWDO-02180.055820-SPS-1-17-73717002038 • FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective:May 1, 2015; Last Updated:March 1, 2017 At Fidelity National Financial,Inc.,we respect and believe it is important to protect the privacy of consumers and our customers.This Privacy Notice explains how we collect, use, and protect any information that we collect from you, when and to whom we disclose such information, and the choices you have about the use of that information.A summary of the Privacy Notice is below, and we encourage you to review the entirety of the Privacy Notice following this summary.You can opt-out of certain disclosures by following our opt-out procedure set forth at the end of this Privacy Notice. Types of Information Collected.You may provide us How Information Is Collected.We may collect personal with certain personal information about you,like your information from you via applications,forms,and contact information,address demographic information,correspondence we receive from you and others related to social security number (SSN),driver's license,passport,our transactions with you.When you visit our websites other government ID numbers and/or financial information.from your computer or mobile device,we automatically We may also receive browsing information from your collect and store certain information available to us Internet browser, computer and/or mobile device if you visit through your Internet browser or computer equipment to or use our websites or applications.optimize your website experience. Use of Collected Information.We request and use your When Information Is Disclosed.We may disclose your personal information to provide products and services to information to our affiliates and/or nonaffiliated parties you,to improve our products and services,and to providing services for you or us,to law enforcement communicate with you about these products and services.agencies or governmental authorities,as required by law, We may also share your contact information with our and to parties whose interest in title must be determined. affiliates for marketing purposes. Choices With Your Information.Your decision to Information From Children.We do not knowingly collect submit information to us is entirely up to you.You can information from children who are under the age of 13, and opt-out of certain disclosure or use of your information or our website is not intended to attract children. choose to not provide any personal information to us. Privacy Outside the Website.We are not responsible for International Users.By providing us with you the privacy practices of third parties,even if our website information,you consent to its transfer,processing and links to those parties' websites.storage outside of your country of residence, as well as the fact that we will handle such information consistent with this Privacy Notice. The California Online Privacy Protection Act.Some FNF companies provide services to mortgage loan servicers and, in some cases, their websites collect information on behalf of mortgage loan servicers.The mortgage loan servicer is responsible for taking action or making changes to any consumer information submitted through those websites. Your Consent To This Privacy Notice.By submitting Access and Correction:Contact Us.If you desire to information to us or by using our website,you are contact us regarding this notice or your information, please accepting and agreeing to the terms of this Privacy Notice.contact us at privacvfnf.com or as directed at the end of this Privacy Notice. Privacy Statement Printed:03.08.17 at 02:13 PM by e SCA0002565_CTLA.doc Updated:08.12.16 —73717002038 FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective:May 1,2015; Last Updated:March 1, 2017 Fidelity National Financial, Inc. and its majority-owned subsidiary companies providing title insurance,real estate- and loan-related services (collectively, "FNF", "our' or "we") respect and are committed to protecting your privacy. We will take reasonable steps to ensure that your Personal Information and Browsing Information will only be used in compliance with this Privacy Notice and applicable laws.This Privacy Notice is only in effect for Personal Information and Browsing Information collected and/or owned by or on behalf of FNF,including Personal Information and Browsing Information collected through any FNF website,online service or application (collectively, the "Website"). Types of Information Collected We may collect two types of information from you:Personal Information and Browsing Information. Personal Information.FNF may collect the following categories of Personal Information: •contact information (e.g., name, address, phone number, email address); •demographic information (e.g., date of birth, gender, marital status); •social security number (SSN), driver's license, passport, and other government ID numbers; •financial account information; and •other personal information needed from you to provide title insurance, real estate-and loan-related services to you. Browsing Information.FNF may collect the following categories of Browsing Information: •Internet Protocol (or IP) address or device ID/UDID, protocol and sequence information; •browser language and type; •domain name system requests; •browsing history, such as time spent at a domain, time and date of your visit and number of clicks; •http headers, application client and server banners; and •operating system and fingerprinting data. How Information is Collected In the course of our business, we may collect Personal Information about you from the following sources: •applications or other forms we receive from you or your authorized representative; •the correspondence you and others send to us; •information we receive through the Website; •information about your transactions with,or services performed by,us,our affiliates or nonaffiliated third parties; and •information from consumer or other reporting agencies and public records maintained by governmental entities that we obtain directly from those entities, our affiliates or others. If you visit or use our Website, we may collect Browsing Information from you as follows: •Browser Loa Files.Our servers automatically log each visitor to the Website and collect and record certain browsing information about each visitor.The Browsing Information includes generic information and reveals nothing personal about the user. •Cookies.When you visit our Website,a "cookie" may be sent to your computer.A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer's hard drive.When you visit a website again, the cookie allows the website to recognize your computer.Cookies may store user preferences and other information.You can choose whether or not to accept cookies by changing your Internet browser settings, which may impair or limit some functionality of the Website. Use of Collected Information Information collected by FNF is used for three main purposes: •To provide products and services to you or any affiliate or third party who is obtaining services on your behalf or in connection with a transaction involving you. •To improve our products and services. •To communicate with you and to inform you about our, our affiliates' and third parties' products and services, jointly or independently. Privacy Statement Printed:03.08.17 @ 02:13 PM by e SCA0002565_CTLA.doc / Updated.08.12.16 —73717002038 • P-1-• When Information Is Disclosed We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) and Browsing Information to various individuals and companies, as permitted by law, without obtaining your prior authorization.Such laws do not allow consumers to restrict these disclosures.Please see the section "Choices With Your Personal Information"to learn how to limit the discretionary disclosure of your Personal Information and Browsing Information. Disclosures of your Personal Information may be made to the following categories of affiliates and nonaffiliated third parties: •to third parties to provide you with services you have requested, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; •to our affiliate financial service providers for their use to market their products or services to you; •to nonaffiliated third party service providers who provide or perform services on our behalf and use the disclosed information only in connection with such services; •to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to market financial products or services to you; •to law enforcement or other governmental authority in connection with an investigation,or civil or criminal subpoena or court order; •to lenders, lien holders, judgment creditors, or other parties claiming an interest in title whose claim or interest must be determined, settled, paid, or released prior to closing; and •other third parties for whom you have given us written authorization to disclose your Personal Information. We may disclose Personal Information and/or Browsing Information when required by law or in the good-faith belief that such disclosure is necessary to: •comply with a legal process or applicable laws; •enforce this Privacy Notice; •investigate or respond to claims that any material, document, image, graphic, logo, design, audio, video or any other information provided by you violates the rights of a third party; or •protect the rights, property or personal safety of FNF, its users or the public. We maintain reasonable safeguards to keep your Personal Information secure.When we provide Personal Information to our affiliates or third party service providers as discussed in this Privacy Notice,we expect that these parties process such information in compliance with our Privacy Notice or in a manner that is in compliance with applicable privacy laws.The use of your information by a business partner may be subject to that party's own Privacy Notice.Unless permitted by law,we do not disclose information we collect from consumer or credit reporting agencies with our affiliates or others without your consent. We reserve the right to transfer your Personal Information,Browsing Information,and any other information,in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of our bankruptcy,reorganization,insolvency, receivership or an assignment for the benefit of creditors.You expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings.We cannot and will not be responsible for any breach of security by a third party or for any actions of any third party that receives any of the information that is disclosed to us. Choices With Your Information Whether you submit Personal Information or Browsing Information to FNF is entirely up to you.If you decide not to submit Personal Information or Browsing Information,FNF may not be able to provide certain services or products to you.The uses of your Personal Information and/or Browsing Information that, by law, you cannot limit, include: •for our everyday business purposes —to process your transactions,maintain your account(s),to respond to law enforcement or other governmental authority in connection with an investigation,or civil or criminal subpoenas or court orders, or report to credit bureaus; •for our own marketing purposes; •for joint marketing with financial companies; and •for our affiliates' everyday business purposes —information about your transactions and experiences. You may choose to prevent FNF from disclosing or using your Personal Information and/or Browsing Information under the following circumstances ("opt-out"): •for our affiliates' everyday business purposes —information about your creditworthiness; and Privacy Statement Printed:03.08.17 @02:13 PM by e SCA0002565_CTLA.doc / Updated:08.12.16 —73717002038 • •for our affiliates to market to you. To the extent permitted above, you may opt-out of disclosure or use of your Personal Information and Browsing Information by notifying us by one of the methods at the end of this Privacy Notice.We do not share your personal information with non-affiliates for their direct marketing purposes. For California Residents:We will not share your Personal Information and Browsing Information with nonaffiliated third parties, except as permitted by California law.Currently, our policy is that we do not recognize "do not track" requests from Internet browsers and similar devices. For Nevada Residents:You may be placed on our internal Do Not Call List by calling (888)934-3354 or by contacting us via the information set forth at the end of this Privacy Notice.Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General,555 E.Washington St.,Suite 3900,Las Vegas,NV 89101;Phone number:(702)486-3132;email: BCPI NFO©ag.state.nv. us. For Oregon Residents:We will not share your Personal Information and Browsing Information with nonaffiliated third parties for marketing purposes,except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents:We will not share your Personal Information and Browsing Information with nonaffiliated third parties,except as permitted by Vermont law,such as to process your transactions or to maintain your account.In addition, we will not share information about your creditworthiness with our affiliates except with your authorization.For joint marketing in Vermont, we will only disclose your name, contact information and information about your transactions. Information From Children The Website is meant for adults and is not intended or designed to attract children under the age of thirteen (13).We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian.By using the Website, you affirm that you are over the age of 13 and will abide by the terms of this Privacy Notice. Privacy Outside the Website The Website may contain links to other websites.FNF is not and cannot be responsible for the privacy practices or the content of any of those other websites.• International Users FNF's headquarters is located within the United States.If you reside outside the United States or are a citizen of the European Union,please note that we may transfer your Personal Information and/or Browsing Information outside of your country of residence or the European Union for any of the purposes described in this Privacy Notice.By providing FNF with your Personal Information and/or Browsing Information,you consent to our collection and transfer of such information in accordance with this Privacy Notice. The California Online Privacy Protection Act For some FNF websites, such as the Customer CareNet ("CCN"), FNF is acting as a third party service provider to a mortgage loan servicer.In those instances, we may collect certain information on behalf of that mortgage loan servicer via the website.The information which we may collect on behalf of the mortgage loan servicer is as follows: •first and last name; •property address; •user name and password; •loan number; •social security number -masked upon entry; •email address; •three security questions and answers; and •IP address. The information you submit through the website is then transferred to your mortgage loan servicer by way of CCN.The mortgage loan servicer is responsible for taking action or making changes to any consumer Privacy Statement Printed:03.08.17 @ 02:13 PM by e SCA0002565_CTLA.dec / Updated:08.12.16 --73717002038 • CT . information submitted through this website.For example,if you believe that your payment or user information is incorrect, you must contact your mortgage loan servicer. CCN does not share consumer information with third parties, other than (1) those with which the mortgage loan servicer has contracted to interface with the CCN application,or (2)law enforcement or other governmental authority in connection with an investigation,or civil or criminal subpoenas or court orders.All sections of this Privacy Notice apply to your interaction with CCN, except for the sections titled "Choices with Your Information" and "Access and Correction." If you have questions regarding the choices you have with regard to your personal information or how to access or correct your personal information, you should contact your mortgage loan servicer. Your Consent To This Privacy Notice By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information by us in compliance with this Privacy Notice.Amendments to the Privacy Notice will be posted on the Website.Each time you provide information to us,or we receive information about you,following any amendment of this Privacy Notice will signify your assent to and acceptance of its revised terms for all previously collected information and information collected from you in the future.We may use comments,information or feedback that you submit to us in any manner that we may choose without notice or compensation to you. Accessing and Correcting Information; Contact Us If you have questions, would like to access or correct your Personal Information, or want to opt-out of information sharing with our affiliates for their marketing purposes, please send your requests to grivacvfnf.com or by mail or phone to: Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Florida 32204 Attn:Chief Privacy Officer (888) 934-3354 Privacy Statement Printed:03.08.17 @ 02:13 PM by e SCA0002565_CTLA.dec / Updated:08.12.16 —73717002038 ATTACHMENT ONE CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY -1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1.(a)Any law,ordinance or governmental regulation (including but not limited to building or zoning laws,ordinances,or regulations)restricting, regulating,prohibiting or relating (i)the occupancy,use,or enjoyment of the land;(ii)the character,dimensions or location of any improvement now or hereafter erected on the land; (iii)a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part;or (iv)environmental protection,or the effect of any violation of these laws,ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b)Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2.Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3.Defects, liens, encumbrances, adverse claims or other matters: (a)whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b)not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c)resulting in no loss or damage to the insured claimant; (d)attaching or created subsequent to Date of Policy; or (e)resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4.Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5.Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6.Any claim, which arises out of the transaction vesting in the insured the estate 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 public records. 4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6.Any lien or right to a lien for services, labor or material not shown by the public records. Attachment One (05/06/16) • r ATTACHMENT ONE (CONTINUED) CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1.Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a.building; b.zoning; c.land use; d.improvements on the Land; e.land division; and f.environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a.,14,15,16,18,19, 20, 23 or 27. 2.The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes.This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3.The right to take the Land by condemning it.This Exclusion does not limit the coverage described in Covered Risk 17. 4.Risks: a.that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b.that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c.that result in no loss to You; or d.that first occur after the Policy Date -this does not limit the coverage described in Covered Risk 7,8.e., 25, 26, 27 or 28. 5.Failure to pay value for Your Title. 6.Lack of a right: a.to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b.in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7.The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy,state insolvency, or similar creditors' rights laws. 8.Contamination, explosion, fire, flooding, vibration, fracturing, earthquake or subsidence. 9.Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows: •For Covered Risk 16,18,19 and 21, Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: 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 $5,000.00 or $2,500.00 (whichever is less) Attachment One (05/06/16) c 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; (iii)the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws,ordinances,or governmental regulations.This Exclusion 1(a)does not modify or limit the coverage provided under Covered Risk 5. (b)Any governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant; (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11,13, or 14); or (e)resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4.Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5.Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. 6.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is (a)a fraudulent conveyance or fraudulent transfer, or (b)a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy. 7.Any lien on the Title for real estate taxes or assessments imposed by 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 [Except as provided in Schedule B -Part II,[t[or 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: [PART I [The above policy form may be issued to afford either Standard Coverage or Extended Coverage.In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1.(a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2.Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4.Any encroachment,encumbrance,violation,variation,or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6.Any lien or right to a lien for services, labor or material not shown by the Public Records.) PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters,and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:] Attachment One (05/06/16) 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; (ii)the character, dimensions, or location of any improvement erected on the Land; (iii)the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws,ordinances,or governmental regulations.This Exclusion 1(a)does not modify or limit the coverage provided under Covered Risk 5. (b)Any governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant; (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however,this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e)resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a)a fraudulent conveyance or fraudulent transfer; or (b)a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage.In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees, or expenses that arise by reason of: [The above policy form may be issued to afford either Standard Coverage or Extended Coverage.In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1.(a)Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2.Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4.Any encroachment, encumbrance,violation,variation,or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6.Any lien or right to a lien for services, labor or material not shown by the Public Records.] 7.[Variable exceptions such as taxes, easements, CC&R's, etc., shown here.] Attachment One (05/06/16) ATTACHMENT ONE (CONTINUED) ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY -ASSESSMENTS PRIORITY (04-02-15) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1.(a)Any law,ordinance,permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i)the occupancy, use, or enjoyment of the Land; (ii)the character, dimensions, or location of any improvement erected on the Land; (iii)the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws,ordinances,or govemmental regulations.This Exclusion 1(a)does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b)Any governmental police power.This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6,13(c),13(d),14 or 16. 2.Rights of eminent domain.This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3.Defects, liens, encumbrances, adverse claims, or other matters (a)created, suffered, assumed, or agreed to by the Insured Claimant; (b)not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c)resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11,16, 17,18,19, 20, 21, 22, 23, 24, 27 or 28); or (e)resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4.Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5.Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law.This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6.Any claim of invalidity,unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy.This Exclusion does not modify or limit the coverage provided in Covered Risk 11. 7.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy.This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25. 8.The failure of the residential structure, or any portion of it,to have been constructed before, on or after Date of Policy in accordance with applicable building codes.This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6. 9.Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage,is (a)a fraudulent conveyance or fraudulent transfer, or (b)a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy. 10.Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 11.Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. Attachment One (05/06/16) C 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 12 to 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. FEE REDUCTION SETTLEMENT PROGRAM (CTC, CTIC) Eligible customers shall receive a $20.00 reduction in their title and/or escrow fees charged by the Company for each eligible transaction in accordance with the terms of the Final Judgments entered in The People of the State of California et al.v.Fidelity National Title Insurance Company et al.,Sacramento Superior Court Case No. 99AS02793, and related cases. DISASTER LOANS (CTIC) The charge for a Lender's Policy (Standard or Extended coverage) covering the financing or refinancing by an owner of record, within 24 months of the date of a declaration of a disaster area by the government of the United States or the State of California on any land located in said area,which was partially or totally destroyed in the disaster, will be 50% of the appropriate title insurance rate. CHURCHES OR CHARITABLE NON-PROFIT ORGANIZATIONS (CTIC) On properties used as a church or for charitable purposes within the scope of the normal activities of such entities, provided said charge is normally the church's obligation the charge for an owner's policy shall be 50% to 70% of the appropriate title insurance rate, depending on the type of coverage selected.The charge for a lender's policy shall be 32% to 50% of the appropriate title insurance rate, depending on the type of coverage selected. Notice of Available Discounts Printed:03.08.17 @ 02:13 PM by e 5CA0002585_CTLA.doc / Updated:08.12.16 —73717002038