HomeMy WebLinkAboutPTR 7335-2 Update 5 11-06-20Title Information:
Title Number: P-373589
Placer Title Company
3900 Coffee Road, Suite 7
Bakersfield, CA 93308
Attn: Kern County Title Only
Phone:(661)589-1340
Fax: (661) 589-1516
Escrow Information:
Escrow Number: 7335
John Balfanz Homes, Inc.
8725 Swigert Court
Bakersfield, CA 93311
Attn: Greg Balfanz
Phone: (661) 589-0717
Fax:
Update5
Update (Version 5)
Proposed Insured:
Proposed Loan Amount:$1,000.00
Proposed Underwriter:Old Republic National Title Insurance Company
Property Address:Tract No. 7335-2, Bakersfield, CA 93312
PRELIMINARY REPORT
In response to the above referenced application for a policy of title insurance, Placer 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 below or not
excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations 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.
Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Attachment
One of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which
are not covered under the terms of the title insurance policy and should be carefully considered.
It is important to note that this preliminary report is not a written representation as to the condition of title and
may not list all liens, defects, and encumbrances affecting title to the land.
This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance
of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the
issuance of a policy of title insurance, a Binder or Commitment should be requested.
Dated:November 6, 2020 at 7:30AM
Title Officer:Tony Cabral
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 2 of 24
Update (Version 5)
The form of policy of title insurance contemplated by this report is:
Subdivision Guarantee
The estate or interest in the land hereinafter described or referred to covered by this report is:
Fee Simple
Title to said estate or interest at the date hereof is vested in:
Summit Capital Ventures, Inc., a California Corporation
The land referred to in this report is described as follows:
See Exhibit "A" Attached for Legal Description
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 3 of 24
Update (Version 5)
Exhibit “A”
Legal Description
BEING AN ADJUSTMENT OF LOTS "B” AND “C” OF LOT LINE ADJUSTMENT NO. 05-1841, PER CERTIFICATE OF
COMPLIANCE RECORDED APRIL 21, 2006 AS DOCUMENT No. 0206098311 OF OFFICIAL RECORDS IN THE OFFICE
ON THE KERN COUNTY RECORDER, ALSO BEING A PORTION OF THE SOUTH HALF OF SECTION 24, TOWNSHIP 30
SOUTH, RANGE 26 EAST, M.D.M, IN THE CITY OF BAKERSFIELD, COUNTY OF KERN, STATE OF CALIFORNIA,
DESCRIBED AS FOLLOWS:
PORTION OF LOT 1 OF CERTIFICATE OF COMPLIANCE, LOT LINE ADJUSTMENT 17-0459, RECORDED SEPTEMBER
14, 2018, DOCUMENT NO. 218121414, FURTHER DESCRIBED AS:
COMMENCING AT THE SOUTHWEST CORNER OF SAID SECTION 24, SAID POINT ALSO BEING THE CENTERLINE
INTERSECTION OF PANAMA LANE AND SOUTH ALLEN ROAD; THENCE NORTH 00°55’49” EAST ALONG THE
WESTERLY LINE OF SAID SECTION AND THE CENTER LINE OF SAID SOUTH ALLEN ROAD, A DISTANCE OF 1,323.85
FEET TO THE POINT OF BEGINNING; THENCE ALONG THE FOLLOWING COURSES:
1) CONTINUING ALONG SAID WESTERLY LINE AND SAID CENTERLINE, NORTH 00°55'49" EAST, A DISTANCE OF
596.63 FEET TO THE NORTHWEST CORNER OF SAID LOT “B”; THENCE
2) DEPARTING SAID WESTERLY LINE AND SAID CENTERLINE, SOUTH 89°04'11" EAST ALONG THE NORTHERLY LINE
OF SAID LOT "B”, A DISTANCE OF 879.17 FEET; THENCE
3) CONTINUING ALONG SAID NORTHERLY LINE, NORTH 53°23'08" EAST, A DISTANCE OF 189.76 FEET; THENCE
4) CONTINUING ALONG SAID NORTHERLY LINE, SOUTH 89°24'33" EAST, A DISTANCE OF 1,460.00 FEET; THENCE
5) CONTINUING ALONG SAID NORTHERLY LINE, NORTH 00°35'27" EAST, A DISTANCE OF 5.00 FEET; THENCE
6) CONTINUING ALONG SAID NORTHERLY LINE, SOUTH 89°24’33" EAST, A DISTANCE OF 110.78 FEET; THENCE
7) CONTINUING ALONG SAID NORTHERLY LINE, SOUTH 00°53’52" WEST, A DISTANCE OF 2.74 FEET; THENCE
8) CONTINUING ALONG SAID NORTHERLY LINE, SOUTH 89°06’08" EAST, A DISTANCE OF 48.00 FEET TO THE
NORTHEAST CORNER OF SAID LOT “B” AND A POINT ON THE CENTERLINE OF WINDERMERE STREET; THENCE
9) DEPARTING SAID NORTHERLY LINE, SOUTH 00°53'52" WEST ALONG THE EASTERLY LINE OF SAID LOT “B", A
DISTANCE OF 712.34 FEET TO THE SOUTHEAST CORNER OF SAID LOT “B”; THENCE .
10) DEPARTING SAID EASTERLY LINE, NORTH 89°24'06" WEST ALONG THE SOUTHERLY LINE OF SAID LOTS “B"
AND “C”, A DISTANCE OF 1,987.51 THENCE
11) DEPARTING SAID SOUTHERLY LINE, NORTH 89°04'11’ WEST, A DISTANCE OF 661.28 FEET TO THE POINT OF
BEGINNING.
EXCEPTING THEREFROM THE MINERAL RIGHTS TO A SUBSURFACE DEPTH OF 500 FEET WITH NO RIGHTS OF
SURFACE ENTRY AS RESERVED IN THE QUITCLAIM DEED RECORDED AUGUST 3, 2018, DOCUMENT NO.
218100516, OFFICIAL RECORDS.
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 4 of 24
APN: 535-010-51 (portion)
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 5 of 24
Update (Version 5)
EXCEPTIONS
At the date hereof, exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form
would be as follows:
1. Taxes, special and general, assessment districts and service areas for the Fiscal Year 2020-2021:
1st Installment:$14,967.87 Due
2nd Installment:$14,967.87 Due
Parcel Number:535-010-51 (portion)
Code Area:001-345
Land Value:$1,535,100.00
Imp. Value:$0.00
Total Value:$1,535,100.00
Exemption Amount: $0.00
Note: First Installment is due November 1 and delinquent December 10. Second Installment is due February 1
and delinquent April 10.
2. The lien of supplemental taxes, if any, assessed pursuant to the provisions of Chapter 3.5, (commencing with
Section 75) of the Revenue and Taxation Code, of the State of California.
3. Assessments of the City of Bakersfield Consolidated Maintenance District. All assessments are currently being
collected with the County Taxes.
4. Reservations contained in the Patent
From:The United States of America
Recording Date:December 7, 1883
Recording No.:in book 2, page 399 of patents
Which among other things recites as follows:
Subject to any vested and accrued water rights for mining, agricultural, manufacturing or other purposes and
rights to ditches and reservoirs; used in connection with such water rights, as may be recognized and
acknowledged by the local customs, laws and decisions of the courts; and also subject to the right of the
proprietor of a vein or lode to extract and remove his ore therefrom should the same be found to penetrate
or intersect the premises hereby granted, as provided by law; and the reservation from the lands hereby
granted of a right of Way thereon for ditches or canals constructed by the authority of the United States.
Document Link
5. Rights of the public, as to that portion of the herein described property lying within S. Allen Road and
Windermere Street, a public road.
6. An easement over said land for the right of way and incidents thereto for such public street and incidental
purposes granted to the City of Bakersfield, in deed recorded April 21, 2006, (instrument) 0206098313,
Official Records.
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 6 of 24
Affects: Reference is hereby made to said document for full particulars.
No representation is made as to the current ownership of said easement.
Document Link
7. An easement over said land for temporary flowage and drainage and incidental purposes, as granted to the
City of Bakersfield, a California municpal corporation, in deed recorded November 26, 2018, (instrument)
218153988, Official Records.
Affects: A portion of said land
No representation is made as to the current ownership of said easement.
Document Link
8. In the event the land described in this report is divided or its boundaries are adjusted we will require a
Resolution Approving Boundary Line Adjustment, a Certificate of Compliance, Parcel Map, Subdivision Map
or other satisfactory evidence that said division or adjustment is not in violation of the Subdivision Map Act
(commencing with Government Code Section 66410).
************************* SPECIAL INFORMATION *************************
*** CHAIN OF TITLE REPORT:
According to the public records, no deeds conveying the property described in this report have been
recorded within a period of 2 years prior to the date of this report, except as shown herein: NONE
*** LENDER'S SUPPLEMENTAL ADDRESS REPORT:
The above numbered report is hereby modified and/or supplemented to reflect the following additional
items relating to the issuance of an American Land Title Association Loan Form Policy:
Placer Title Company states that the herein described property is Vacant Land and that the property address
is:
Tract No. 7335-2, Bakersfield, CA 93312
***NOTICE REGARDING MAPS
Any maps provided herewith are for reference only. The property and/or easements shown are but
approximations, and no assurances are given as to accuracy, reliability, dimensions or acreage. This will not
limit the coverage provided by a CLTA 116, 116.1 or 116.03 endorsement if issued to the policy.
*** NOTICE REGARDING FUNDS DEPOSITED IN ESCROW:
IMPORTANT NOTICE- ACCEPTABLE TYPE OF FUNDS
Please be advised that in accordance with the provisions of the California Insurance Code, Section 12413.1,
any funds deposited for the closing must be deposited into the escrow depository and cleared prior to
disbursement. Funds deposited by wire transfer may be disbursed upon receipt. Funds deposit via cashier’s
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 7 of 24
checks drawn on a California based bank may be disbursed the next business day. If funds are deposited with
the Company by other methods, recording and/or disbursement may be delayed.
IMPORTANT NOTE: PLEASE BE ADVISED THAT ESCROW HOLDER DOES NOT ACCEPT CASH, MONEY ORDERS,
ACH TRANSFERS, OR FOREIGN CHECKS.
PLEASE CONTACT ESCROW REGARDING QUESTIONS ON TYPE OF FUNDS REQUIRED IN ORDER TO FACILITATE
THE PROMPT CLOSING OF THIS TRANSACTION.
NOTE: If you intend to remit multiple cashier's checks to close your escrow (which may or may not include
gift funds or third party funds) IRS cash reporting under IRS Code 8300 may be required. For this reason, you
may wish to consider wiring funds in lieu of remitting cashier's checks.
CLTA Preliminary Report (11-17-06)
Page 8 of 24
*** DISCLOSURE OF DISCOUNTS ***
You may be entitled to a discount on your title premiums and/or escrow fees if you meet any of the
following conditions:
1.You are an employee of the title insurer or Placer Title Company and the property is your
primary residence; or
2.The transaction is a loan, the purpose of which is to rebuild the improvements on the
property as a result of a governmentally declared disaster; or
3.The property is being purchased or encumbered by a religious, charitable or nonprofit
organization for its use within the normal activities for which such entity was intended.
Please advise the company if you believe any of the above discounts apply.
*** LENDER'S NOTE ***
In accordance with Executive Order 13224, and the USA Patriot Act, PLACER TITLE
COMPANY compares the names of parties to the proposed transaction to the
Specially Designated Nationals and Blocked Persons (SDN List) maintained by the
United States Office of Foreign Asset Control.
*** BUYER'S NOTE ***
If an ALTA Residential Owner's Policy is requested and if the property described herein is
determined to be eligible for this policy, the following Exceptions From Coverage will appear
in the policy:
1.Taxes or assessments which are not shown as liens by the public records or by the
records of any taxing authority.
2.(a) Water rights, claims or title to water; (b) reservations or exceptions in patents or in
Acts authorizing the issuance thereof; (c) unpatented mining claims; whether or not the
matters exception under (a), (b) or (c) are shown by the public records.
3.Any rights, interest or claims of parties in possession of the land which are not shown
by the public records.
4.Any easements or liens not shown by the public records. This exception does not limit
the lien coverage in Item 8 of the Covered Title Risks.
5.Any facts about the land which a correct survey would disclose and which are not
shown by the public records. This exception does not limit the forced removal
coverage in Item 12 of the Covered Title Risks.
CLTA Preliminary Report (11-17-06)
Page 9 of 24
CLTA PRELIMINARY REPORT FORM
Attachment One (Rev 06-05-14)
CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY - 1990
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or
damage, costs, attorneys' fees or expenses which arise by reason of:
1.(a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws,
ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment
of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the
land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the
land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances
or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a
defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been
recorded in the public records at Date of Policy.
(b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise
thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the
land has been recorded in the public records at Date of Policy.
2.Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date
of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would
be binding on the rights of a purchaser for value without knowledge.
3.Defects, liens, encumbrances, adverse claims or other matters:
(a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to
by the insured claimant;
(b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured
claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured
claimant became an insured under this policy;
(c) resulting in no loss or damage to the insured claimant;
(d) attaching or created subsequent to Date of Policy; or
(e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for
the insured mortgage or for the estate or interest insured by this policy.
4.Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of
Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable
doing business laws of the state in which the land is situated.
5.Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the
transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or
truth in lending law.
6.Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy
or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy,
state insolvency or similar creditors' rights laws.
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I
This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses)
which arise by reason of:
1.Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies
taxes or assessments on real property or by the public records.
Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings,
whether or not shown by the records of such agency or by the public records.
CLTA Preliminary Report (11-17-06)
Page 10 of 24
EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I (continued)
2.Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained
by an inspection of the land or which may be asserted by persons in possession thereof.
3.Easements, liens or encumbrances, or claims thereof, not shown by the public records.
4.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct
survey would disclose, and which are not shown by the public records.
5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance
thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are
shown by the public records.
6.Any lien or right to a lien for services, labor or material not shown by the public records.
CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13)
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:
CLTA Preliminary Report (11-17-06)
Page 11 of 24
Your Deductible Amount Our Maximum Dollar
Limit of Liability
Covered Risk 16:1% of Policy Amount or $2,500.00 $10,000.00
(whichever is less)
Covered Risk 18:1% of Policy Amount or $5,000.00 $25,000.00
(whichever is less)
Covered Risk 19:1% of Policy Amount or $5,000.00 $25,000.00
(whichever is less)
Covered Risk 21:1% of Policy Amount or $2,500.00 $5,000.00
(whichever is less)
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.
CLTA Preliminary Report (11-17-06)
Page 12 of 24
EXCLUSIONS FROM COVERAGE (continued)
7.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or
attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This
Exclusion does not modify or limit the coverage provided under Covered Risk 11(b).
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the
above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the
following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
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.
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.
CLTA Preliminary Report (11-17-06)
Page 13 of 24
EXCLUSIONS FROM COVERAGE (continued)
3.Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured
Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage
provided under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for
the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws,
that the transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5.Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or
attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the
Public Records that vests Title as shown in Schedule A.
The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the
above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the
following Exceptions from Coverage:
EXCEPTIONS FROM COVERAGE
This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses,
that arise by reason of:
[The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the
above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the
following Exceptions from Coverage:
1.(a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies
taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may
result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such
agency or by the Public Records.
2.Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by
an inspection of the Land or that may be asserted by persons in possession of the Land.
3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.
4.Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would
be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public
Records.
5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance
thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are
shown by the Public Records.
6.Any lien or right to a lien for services, labor or material not shown by the Public Records.
7.[Variable exceptions such as taxes, easements, CC&R's, etc. shown here.]
CLTA Preliminary Report (11-17-06)
Page 14 of 24
ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or
damage, costs, attorneys' fees or expenses which arise by reason of:
1.(a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning)
restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does
not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under
Covered Risk 5, 6, 13(c), 13(d), 14 or 16.
2.Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7
or 8.
3.Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured
Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured
Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(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.
CLTA Preliminary Report (11-17-06)
Page 15 of 24
NOTICE
FEDERAL FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980 (FIRPTA)
Upon the sale of United States real property, by a non-resident alien, foreign corporation, partnership or trust, the Foreign Investment in Real
Property Tax Act of 1980 (FIRPTA), and as revised by the Tax Reform Act of 1984 (26 USCA 897 (C)(1)(A)(1) and 26 USCA 1445), Revised by the
Path Act of 2015, These changes may be reviewed in full in H.R. 2029, now known as Public Law 114-113. See Section 324 of the law for the full
text of FIRPTA changes. Effective February 27, 2016, the amendments to FIRPTA contained in the PATH Act have increased the holdback rate
from 10% of gross proceeds to 15% of gross proceeds of the sale, regardless of whether the actual tax due may exceed (or be less than) the
amount withheld if ANY of the following conditions are met:
1. If the amount realized (generally the sales price) is $300,000 or less, and the property will be used by the Transferee as a residence (as
provided for in the current regulations), no monies need be withheld or remitted to the IRS.
2. If the amount realized exceeds $300,000 but does not exceed $1,000,000, and the property will be used by the Transferee as a residence, (as
provided for in the current regulations) then the withholding rate is 10% on the full amount realized (generally the sales prices)
3. If the amount realized exceeds $1,000,000, then the withholding rate is 15% on the entire amount, regardless of use by the Transferee. The
exemption for personal use as a residence does not apply in this scenario.
If the purchaser who is required to withhold income tax from the seller fails to do so, the purchaser is subject to fines and penalties as provided
under Internal Revenue Code Section 1445.
Escrow Holder will, upon written instructions from the purchaser, withhold Federal Income Tax from the seller and will deposit said tax with
the Internal Revenue Service, together with IRS Forms 8288 and 8288-A. The fee charged for this service is $25.00 payable to the escrow
holder.
CALIFORNIA WITHHOLDING
In accordance with Sections 18662 and 18668 of the Revenue and Taxation Code, a transferee (Buyer) may be required to withhold an amount
equal to 3 1/3 percent of the sales price or an alternative withholding amount certified to by the seller in the case of a disposition of California
real property interest by either:
1. A seller who is an individual or when the disbursement instructions authorize the proceeds to be sent to a financial intermediary or the
seller, OR
2. A corporate seller that has no permanent place of business in California.
The buyer may become subject to penalty for failure to withhold an amount equal to the greater of 10 percent of the amount required to be
withheld or five hundred dollars ($500).
However, notwithstanding any other provision included in the California statutes referenced above, no buyer will be required to withhold any
amount or be subject to penalty for failure to withhold if:
1. The sales price of the California real property conveyed does not exceed one hundred thousand dollars ($100,000.00), OR
2. The seller executes a written certificate, under the penalty of perjury, of any of the following:
a.The property qualifies as the seller's (or decedent's, if being sold by the decedent's estate) principal residence within the meaning
of Internal Revenue Code (IRC) Section 121; or
b.The seller (or decedent, if being sold by the decedent's estate) last used the property as the seller's (decedent's) principal residence
within the meaning of IRC Section 121 without regard to the two-year time period; or
c.The seller has a loss or zero gain for California income tax purposes on this sale; or
d.The property is being compulsorily or involuntarily converted and the seller intends to acquire property that is similar or related in
service or use to qualify for non-recognition of gain for California income tax purposes under IRC Section 1033; or
e.If the transfer qualifies for non-recognition treatment under IRC Section 351 (transfer to a corporation controlled by the transferor)
or IRC Section 721 (contribution to a partnership in exchange for a partnership interest); or
f.The seller is a corporation (or an LLC classified as a corporation for federal and California income tax purposes) that is either qualified
through the California Secretary of State or has a permanent place of Business in California; or
g.The seller is a partnership (or an LLC that is not a disregarded single member LLC and is classified as a partnership for federal and
California income tax purposes) with recorded title to the property in the name of the partnership of LLC; or
h.The seller is a tax-exempt entity under either California or federal law; or
i.The seller is an insurance company, individual retirement account, qualified pension/profit sharing plan, or charitable remainder
trust; or
j.The transfer qualifies as a simultaneous like-kind exchange within the meaning of IRC Section 1031; or
k.The transfer qualifies as a deferred like-kind exchange within the meaning of IRC Section 1031; or
l.The transfer of this property will be an installment sale that you will report as such for California tax purposes and the buyer has
agreed to withhold on each principal payment instead of withholding the full amount at the time of transfer.
The Seller is subject to penalty for knowingly filing a fraudulent certificate for the purpose of avoiding the withholding requirement.
CLTA Preliminary Report (11-17-06)
Page 16 of 24
NOTICE
DEPOSIT OF FUNDS AND DISBURSEMENT DISCLOSURE
Unless you elect otherwise (as described below), all funds received by (the "Company") in escrow will be deposited
with other escrow funds in one or more non-interest bearing escrow accounts of the Company in a financial
institution selected by the Company. The depositor acknowledges that the deposit of funds in a non-interest bearing
demand account by Escrow Holder may result in said company receiving a range of economic benefits from the bank
in the form of services, credits, considerations, or other things of value. The depositor hereby specifically waives any
claim to such economic benefits payable to Escrow Holder resulting from non-interest bearing deposits. Unless you
direct the Company to open an interest-bearing account (as described below), the Company shall have no obligation
to account to you in any manner for the value of, or to compensate any party for, any benefit received by the
Company and/or its affiliated company. Any such benefits shall be deemed additional compensation of the Company
for its services in connection with the escrow.
If you elect, funds deposited by you prior to the close of escrow may be placed in an individual interest-bearing
account arrangement that the Company has established with one of its financial institutions. You do not have an
opportunity to earn interest on the funds deposited by a lender. If you elect to earn interest through this special
account arrangement, the Company will charge you an additional fee of $50.00 for the establishment and
maintenance of the account. This fee compensates the Company for the costs associated with opening and
managing the interest-bearing account, preparing correspondence/documentation, transferring funds, maintaining
appropriate records for audit/reconciliation purposes, and filing any required tax withholding statements. It is
important that you consider this cost in your decision since the cost may exceed the interest you earn.
Funds deposited in an interest-bearing account will be withdrawn from such account and deposited in the Company's
general escrow trust account approximately two business days prior to the scheduled close of escrow or other
disbursement of such funds. If you wish to have your funds placed in an interest-bearing account (with an
accompanying charge of $50.00), please mark below and sign and return this form to your escrow officer. In
addition, you must complete and return IRS Form W-9. If you do not want to have your funds deposited in an
interest-bearing account, you do not need to sign or return this notice and the Company will understand you to have
elected to have your funds deposited in a non-interest bearing account. If you change your mind and later wish to
have your funds placed in an interest-bearing account, please contact your escrow officer.
The funds you deposit are insured only to the limit provided by the Federal Deposit Insurance Corporation.
PLEASE CONSIDER THIS MY/OUR INSTRUCTION TO PLACE MY/OUR DEPOSIT(S) IN A SEGREGATED, INTEREST
BEARING ACCOUNT. I/WE UNDERSTAND THAT AN ADDITIONAL FEE OF $50.00 WILL BE CHARGED FOR THIS
SERVICE. I/WE HAVE READ AND UNDERSTAND ALL OF THE ABOVE INFORMATION.
Signature Social Security
Number
Date
Signature Social Security
Number
Date
PRIVACY POLICY NOTICE
Purpose Of This Notice
Title V of the Gramm-Leach-Biley Act (GLBA) generally prohibits any financial institution, directly or through its
affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution
provides you with a notice of is privacy policies and practices, such as the type of information that it collects about you
and the categories of a persons or entities to whom it may be disclosed. In compliance with the GLBA, we are
providing you with this document which notifies you of the privacy policies and practices of:
AGTIC Title Insurance Company Old Republic National Title Insurance Company
American Guaranty Title Insurance Company Placer Title Company
Montana Title and Escrow Company Placer Title Insurance Agency of Utah
National Closing Solutions Stewart Title Guaranty Company
National Closing Solutions of Alabama, LLC Stewart Title Insurance Company
National Closing Solutions of Arkansas, LLC Westcor Land Title Insurance Company
North Idaho Title Insurance Company Wyoming Title and Escrow Company
North American Title Insurance Company
We may collect nonpublic personal information about you from the following sources:
Information we receive from you, such as an application or other forms.
Information about your transactions we secure from our files, or from our affiliates or others.
Information we receive from a consumer reporting agency.
Information we receive from others involved in your transaction, such as the real estate agent or lender.
Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal
information will be collected about you.
We may disclose any of the above information that we collect about our customers or former customers to our affiliates
or to nonaffiliated third parties as permitted by law.
We also may disclose this information about our customers or former customers to the following types of nonaffiliated
companies that perform marketing services on our behalf or with whom we have joint marketing agreements:
Financial service providers such as companies engaged in banking, consumer finances, securities and
insurance.
Nonfinancial companies such as envelope stuffers and other fulfillment service providers.
We do not disclose any nonpublic personal information about you with anyone for any
purpose that is not specifically permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that
information in order to provide products or services to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your nonpublic personal information.
Placer Title Co., Montana Title and Escrow, National Closing Solutions,
National Closing Solutions of Alabama, National Closing Solutions of Maryland,
North Idaho Title Insurance, Placer Title Insurance Agency of Utah, Premier Reverse Closings,
Premier Title Agency, Texas National Title, Western Auxiliary Corp., Wyoming Title and Escrow
NOTICE AT COLLECTION AND PRIVACY POLICY
updated December 20, 2019, effective January 1, 2020
We respect your personal information and are committed to protecting it. We are disclosing how Mother Lode Holding
Company and its subsidiaries listed above (together referred to as "we," "us," or "our") collect, use, and share your
personal information. Sections 1 and 2 constitute our Notice at Collection, Sections 1 – 9 are our Privacy Policy, and
Sections 10 – 11 are additional sections of our Privacy Policy that apply only to California residents.
1.Personal Information We Collect
We may collect and over the last 12 months have collected personal information in the following categories: (A)
Identity information such as name, postal address, email address, date of birth, social security number, driver’s
license, passport, signature, physical characteristics or description, telephone number, or other similar information; (B)
Financial information (such as bank account information) and insurance information; (C) Records of services or
products requested or purchased; (D) Biometric information (thumbprints obtained by notaries); (E) Internet or other
electronic network activity information, such as online identifiers, Internet Protocol address, and information relating to
interaction with our Internet websites and mobile applications; (F) Audio (voice messages), electronic, or similar
information; (G) Professional or employment-related information; (H) Education information; (I) Characteristics of
protected classifications such as marital status; and (J) Geolocation information (with consent when using our mobile
applications).
1.Purposes
We collect the above information, and have collected it in the last 12 months, for the following purposes: Our
operational purposes, including providing escrow and title services, fulfilling a transaction, verifying customer
information, and providing and improving customer service (categories A-J); Detecting, protecting against, and
reporting malicious, deceptive, fraudulent, or illegal activity (A-I); Providing and improving Websites, and debugging to
find and repair errors (A, C E, F, J); and Auditing and complying with legal and other similar requirements (A-I).
1.Sources, Sharing
The sources from which the information is and was collected include: the consumer or their authorized representative
(A-J); government entities, service providers, financial institutions, our affiliates, real estate settlement service
providers, real estate brokers and agents (A-D, F-I); and our internet websites and mobile applications (A-C, E-J). The
categories of third parties with whom we share and have shared personal information include: a consumer's
authorized representative (A-I); government entities, service providers and consultants, financial institutions, our
affiliates, real estate settlement service providers, real estate brokers and agents, abstractors (A-I); and data analytics
and internet service providers (E, F, J). We may also disclose your information as part of a business transaction, such
as a merger, sale, reorganization or acquisition (A-J).
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 19 of 24
1.Cookies and similar technologies
We use "cookies" and similar technologies when you access our websites or mobile applications. A "cookie" is a piece
of information that our website sends to your browser, which then stores this information on your system. If a cookie is
used, our website will be able to "remember" information about you and your preferences either until you exit your
current browser window (if the cookie is temporary) or until you disable or delete the cookie. Many users prefer to use
cookies in order to help them navigate a website as seamlessly as possible.
We use "cookies" in the following situations. The first situation is with respect to temporary cookies. If you are
accessing our services through one of our online applications our server may automatically send your browser a
temporary cookie, which is used to help your browser navigate our site. The only information contained in these
temporary cookies is a direction value that lets our software determine which page to show when you hit the back
button in your browser. This bit of information is erased when you close your current browser window. The second
situation in which we may use cookies is with respect to permanent cookies. This type of cookie remains on your
system, although you can always delete or disable it through your browser preferences. There are two instances in
which we use a permanent cookie. First, when you visit our website and request documentation or a response from us.
When you are filling out a form, you may be given the option of having our website deliver a cookie to your local hard
drive. You might choose to receive this type of cookie in order to save time in filling out forms and/or revisiting our
website. We only send this type of cookie to your browser when you have clicked on the box labeled "Please
remember my profile information" when submitting information or communicating with us. The second instance where
we use a permanent cookie is where we track traffic patterns on our site. Analysis of the collected information by our
tracking technologies allows us to improve our website and the user experience. In both instances of a persistent
cookie, if you choose not to accept the cookie, you will still be able to use our website. Even if you choose to receive
this type of cookie, you can set your browser to notify you when you receive any cookie, giving you the chance to
decide whether to accept or reject it each time one is sent.
1.Links to Other Websites and Do Not Track
Our website may contain links to third party websites, which are provided and maintained by the third party. Third party
websites are not subject to this notice or privacy policy. Currently, we do not recognize "do not track" requests from
Internet browsers or similar devices.
1.Sale
We do not sell personal information about consumers and have not sold information about consumers in the last 12
months.
1.Minors
We do not collect information from minors under the age of 18.
1.Safeguards
We restrict access to the information we collect to individuals and entities who need to know the information to provide
services as set forth above. We also maintain physical, electronic and procedural safeguards to protect information,
including data encryption.
1.Access and Changes
This notice and policy can be accessed https://www.mlhc.com/privacy-policy. Disabled consumers may access this
notice in an alternative format by contacting MLHC Counsel, Legal Dept., 1508 Eureka Rd., #130, Roseville, CA
95661, or calling our toll free number at 1-877-626-0668, or emailing privacy@mlhc.com. This notice and policy will
change from time to time. All changes will be provided at https://www.mlhc.com/privacy-policy and furnished through
an appropriate method such as electronically, by mail, or in person. The effective date will be stated on the notice and
policy.
Questions about this notice and privacy policy may be sent to MLHC Counsel, Legal Dept., 1508 Eureka Rd., #130,
Roseville, CA 95661 or privacy@mlhc.com.
CALIFORNIA SUPPLEMENT - THE REMAINDER OF THIS POLICY APPLIES ONLY TO CALIFORNIA RESIDENTS
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 20 of 24
1. Requests Under the California Consumer Privacy Act ("CCPA")
Effective January 1, 2020, California residents have the right to make a "request to know" (1) the specific pieces of
personal information we have collected about them; (2) categories of personal information we have collected; (3)
categories of sources from which the personal information was collected; (4) categories of personal information we
disclosed for a business purpose; (5) purpose for collecting the information; and (6) categories of third parties with
whom we shared personal information. California residents have the right to request that we deliver to them their
personal information free of charge. California residents have the right to make a "request to delete" from our records
of their personal information that we have collected, subject to legal limitations.
We do not discriminate against consumers for exercising rights under the CCPA or other laws.
1. How to Make a Request under the California Consumer Privacy Act
To make a CCPA "request to know," a "request to delete," or any other request under the CCPA, a California
consumer may (1) submit a request via our Internet website at https://www.placertitle.com; (2) call us toll-free at 1-877-
626-0668; or (3) send a written request to MLHC Counsel, Legal Dept., 1508 Eureka Rd., #130, Roseville, CA 95661.
Please note that you must verify your identity before we take further action. To verify your identity, we will try to use
information you have already provided. We may also need additional information. Consistent with California law, you
may designate an authorized agent to make a request on your behalf. To do this, you must provide a valid power of
attorney, the requester’s valid government issued identification, and the authorized agent’s valid government issued
identification. California residents may "opt out" of the sale of their personal information. However, we do not sell your
personal information and therefore we do not offer an "opt out."
Upon receipt of a verified consumer request, we will respond by giving you the information requested for the 12-month
period before our receipt of your verified consumer request at no cost to you, or deleting the information and notifying
any service providers to delete it, subject to legal limitations. If we have a valid reason to retain personal information
or are otherwise unable to comply with a request, we will tell you. For example, the law may not require us or allow us
to delete certain information collected. In addition, personal information we collect pursuant to the federal Gramm-
Leach-Bliley Act is exempt from most of the provisions of the CCPA.
Questions about this notice and privacy policy may be sent to MLHC Counsel, Legal Dept., 1508 Eureka Rd., #130,
Roseville, CA 95661 or privacy@mlhc.com.
GRAMM-LEACH-BLILEY ACT PRIVACY POLICY NOTICE
Title V of the Gramm-Leach-Bliley Act (GLBA) requires financial companies to provide you with a notice of their privacy
policies and practices, such as the types of nonpublic personal information that they collect about you and the
categories of persons or entities to whom it may be disclosed. In compliance with the Gramm-Leach-Bliley-Act, we are
notifying you of the privacy policies and practices of:
Mother Lode Holding Co.
Montana Title and Escrow Co.
National Closing Solutions, Inc.
National Closing Solutions of Alabama
National Closing Solutions of Maryland
Premier Reverse Closings
Placer Title Co.
Placer Title Insurance Agency of Utah
Premier Title Agency
North Idaho Title Insurance Co.
Texas National Title
Western Auxiliary Corp.
Wyoming Title and Escrow Co.
The types of personal information we collect and share depend on the transaction involved. This information may
include:
Identity information such as Social Security number and driver's license information.
Financial information such as mortgage loan account balances, checking account information and wire transfer
instructions
Information from others involved in your transaction such as documents received form your lender
We collect this information from you, such as on an application or other forms, from our files, and from our affiliates or
others involved in your transaction, such as the real estate agent or lender.
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 21 of 24
We may disclose any of the above information that we collect about our customers or former customers to our affiliates
or to non-affiliates as permitted by law for our everyday business purposes, such as to process your transactions and
respond to legal and regulatory matters. We do not sell your personal information or share it for marketing purposes.
We do not share any nonpublic personal information about you with anyone for any purpose that is not
specifically permitted by law.
We restrict access to nonpublic personal information about you to those employees who need to know that
information in order to provide products or services to you. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your nonpublic personal information.
Questions about this notice and privacy policy may be sent to MLHC Counsel, Legal Dept., 1508 Eureka Rd., #130,
Roseville, CA 95661 or privacy@mlhc.com.
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 22 of 24
FACTS WHAT DOES OLD REPUBLIC TITLE
DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have
with us. This information can include:
Social Security number and employment information
Mortgage rates and payments and account balances
Checking account information and wire transfer instructions
When you are no longer our customer, we continue to share your information as described in this
notice.
How?
All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their customers’
personal information; the reasons Old Republic Title chooses to share; and whether you can limit
this sharing.
Reasons we can share your personal
information
Does Old
Republic Title
share?
Can you limit this
sharing?
For our everyday business purposes – such as to process your
transactions, maintain your account(s), or respond to court
orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes – to offer our products and
services to you No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes – information
about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information
about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Questions Go to www.oldrepublictitle.com (Contact Us)
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 23 of 24
Who we are
Who is providing this
notice?
Companies with an Old Republic Title name and other affiliates. Please see
below for a list of affiliates.
What we do
How does Old Republic Title
protect my personal
information?
To protect your personal information from unauthorized access and
use, we use security measures that comply with federal law. These
measures include computer safeguards and secured files and buildings.
For more information, visit
http://www.OldRepublicTitle.com/newnational/Contact/privacy.
How does Old Republic Title
collect my personal information?
We collect your personal information, for example, when you:
Give us your contact information or show your driver’s license
Show your government-issued ID or provide your mortgage
information
Make a wire transfer
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only:
Sharing for affiliates’ everyday business purposes – information
about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to
limit sharing. See the “Other important information” section below for
your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies
Our affiliates include companies with an Old Republic Title
name, and financial companies such as Attorneys’ Title Fund
Services, LLC, Lex Terrae National Title Services, Inc.,
Mississippi Valley Title Services Company, and The Title
Company of North Carolina.
Non-affiliates Companies not related by common ownership or control. They can be
financial and non-financial companies.
Old Republic Title does not share with non-affiliates so they
can market to you
Joint Marketing A formal agreement between non-affiliated financial companies that
together market financial products or services to you.
Order No.: P-373589
CLTA Preliminary Report (11-17-06)
Page 24 of 24
Old Republic Title doesn’t jointly market.
Other Important Information
Oregon residents only: We are providing you this notice under state law. We may share your personal information
(described on page one) obtained from your or others with non-affiliate service providers with whom we contract,
such as notaries and delivery services, in order to process your transactions. You may see what personal information
we have collected about you in connection with your transaction (other than personal information related to a claim
or legal proceeding). To see your information, please click on “Contact Us” at www.oldrepublictitle.com and submit
your written request to the Legal Department. You may see and copy the information at our office or ask us to mail
you a copy for a reasonable fee. If you think any information is wrong, you may submit a written request online to
correct or delete it. We will let you know what actions we take. If you do not agree with our actions, you may send
us a statement.
Affiliates Who May be Delivering This Notice
American First
Abstract, LLC
American First Title
& Trust Company
American Guaranty
Title Insurance
Company
Attorneys’ Title Fund
Services, LLC
Compass Abstract,
Inc.
eRecording Partners
Network, LLC
Genesis Abstract, LLC Kansas City
Management Group,
LLC
L.T. Service Corp.Lenders Inspection
Company
Lex Terrae National
Title Services, Inc.
Lex Terrae, Ltd.Mara Escrow
Company
Mississippi Valley
Title Services
Company
National Title Agent’s
Services Company
Old Republic Branch
Information Services,
Inc.
Old Republic
Diversified Services,
Inc.
Old Republic
Exchange Company
Old Republic
National Title
Insurance Company
Old Republic Title
and Escrow of
Hawaii, Ltd.
Old Republic Title Co.Old Republic Title
Company of Conroe
Old Republic Title
Company of Indiana
Old Republic Title
Company of Nevada
Old Republic Title
Company of
Oklahoma
Old Republic Title
Company of Oregon
Old Republic Title
Company of St. Louis
Old Republic Title
Company of
Tennessee
Old Republic Title
Information
Concepts
Old Republic Title
Insurance Agency,
Inc.
Old Republic Title,
Ltd.
Republic Abstract &
Settlement, LLC
Sentry Abstract
Company
The Title Company of
North Carolina
Title Services, LLC
Trident Land Transfer
Company, LLC
Description: Kern,CA Assessor Map - Book.Page 535.1 Page: 1 of 1
Order: 373589 Comment: