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HomeMy WebLinkAbout20210208_CDP_ApplicationCommunity Development Department c1TY oF NEWPORT BEACH 100 Civic Center Drive Planning Permit Application Newport Beach, California 92660 l_l 949 644-3200 1. Check Permits Requested: 9 ~ 'l-0~ ,--b '2,...,. newportbeachca.gov/communitydevelopment 2 I '6 I 2c2\ D Approval-in-Concept -AIC # D Lot Merger Iii Coastal Development Permit D Limited Term Permit- □ Waiver for De Minimis Development O Seasonal O < 90 day 0>90 days D Staff Approval D Tract Map D Traffic Study D Coastal Residential Development D Modification Permit D Use Permit -□Minor □Conditional D Condominium Conversion D Off-Site Parking Agreement D Comprehensive Sign Program D Plan~ed Community Development Plan D Amendment to existing Use Permit D Variance D Development Agreement D Planned Development Permit D Development Plan D Site Development Review -D Major O Minor 0 Amendment -□Code □PC □GP □LCP D Other: D Lot Line Adjustment D Parcel Map 2. Project Address(es)/Assessor's Parcel No(s) 16806 W. Oceanfront 3. Project Description and Justification (Attach additional sheets if necessary): Demolition of existing 2 bedroom 812 s.f. house; 0 roject to consist of a new 2,678 s.f. single family rersidence with 383 s.f. attached, enclosed 2 car garage and contain 14 bedrooms and 4-1/2 bathrooms • IEricAu~ 4. Apphcant/Compa ..... n-=-y_N_a_m_e-=================================-=i-----===--=--=--=---=-----=------=:., M .1. Add 162 Balboa Coves S ·t /U ·t I a1 mg ress "-------------------:=-=========--u_1_e m ~===========.::::::: City !Newport Beach State lcA I Zip .,_!9_26_6_3 ___ _____. Phone 1949.637.5220 Fax I I Email jaust.architect@gmail.com 5 C t tic N IUnkown at present . on ac ompany~~a~m~e~======================================================:;------;::::=: ..... -=-=-=-=-=-=-=-=-=-=-"1 Mailing Address .,___ _______________ ;:=.==-=--=--=--=--=--=-S_u_i_te/Unit ~-=--=---=----_-_-_-_-_-_ __. City-'---_-_-_-_-_-_-_-_-_-_-_-_-_ -----------=------_-_-:::'..__s_tate .,__I-_-_-_-_-_-_-_-_ ---J._l_z...:..ip=I -=--=--=--=--=--=--=--=: Phone I Fax .,__j _____ __.I Email.,___ ____________ __, 0 N lsean Norton 6. wner ame !...--:=================================================================.------..... =-=-=-===-=-=-=-=-=-=...:::::- M .1• Add 16806 W. Oceanfront S ·t /U ·t I a1 mg ress "-------------------~=========-'--u_1_e m °::..-=--=-=========~ City !Newport Beach State lcA I Zip .,_19_26_6_3 ___ ____, Phone 1949.400.3169 I Fax I Email jsean.norton01@gmail.com • • lsean Norton 7. Property Owner's Aff1dav1t*: (I) (We).,___ ____________________ _, depose and say that (I am) (we are) the owner(s) of the property (ies) involved in this application. (I) (We) further certify, under penalty of perjury, that the foregoing statements and answers herein contained and the information herewith submitted are in all respects true and correct to the best of (my) (our) knowledge and belief. Signature(s): _s .......... : .... c../: ..... n~~-;...c;.._____,.....,_· _·· _______ Title: lowner I Date: jo112812021 DD/MO/YEAR Signature(s): ______________ Title: .!_._ ________ ____,I Date: .,_I _____ __, *May be signed by the lessee or by an authorized agent if written authorization from the owner of record is filed concurrently with the application. Please note, the owner{s)' signature for Parcel/Tract Map and Lot Line Adjustment Application must be notarized. F:\Users\CDD\Shared\Admin\Plannina Division\Aoolications\Aoolication Guidelines\Plannina Permit Aoolication -CDP added.docx Rev: 01/24/17 PA2021-024 I:\Users\CDD\Shared\Admin\Planning_Division\Current_Templates\Office Use Only Form Updated 01/27/2020 2700-5000 Acct. Deposit Acct. No. ________________________ For Deposit Account: Fee Pd: _______________________________________ Receipt No: ____________________________ FOR OFFICE USE ONLY Date Filed: _______________________ APN No: __________________________ Council District No.: _________________ General Plan Designation: ____________ Zoning District: _____________________ Coastal Zone: Yes No Check #: __________ Visa MC Amex # ____________ CDM Residents Association and Chamber Community Association(s): _______________________ Development No: __________________________ _____________________________________________ Project No: ________________________________ _____________________________________________ Activity No: _______________________________ Related Permits: ___________________________ Remarks: ________________________________________________________________________________________ PA2021-024 er1c aLJst architect 62 balboa coves newport beach, california 92663 tel 949.637 .5220 email aust.architect@gmail.com date 28 January 2021 attention Planning Department company City of Newport Beach;100 Civic Center Drive; Newport Beach, CA 92663 tel number 949.644.3200 pages 1 project description and justification regarding Norton Residence -6806 W. Oceanfront ----... .... IC D. AUS -\ C "C174 ~.c.~.... * ~EN!=:v'\/AL~ /,-5';:~ ATE /Q«-. ..... ~~~ notes City of Newport Beach, the following is the project description and justification for the new residential development located at 6806 W. Oceanfront An existing 1 story, 2 bedroom, 812 s.f. residence is located on the 2,253 s.f. site and will be completely demolished. The proposed new structure will consist of a single family 2,678 s.f., 3 story residence with a 383 s.f., 2 car garage accessed directly from the alley. The house will have 4 bedrooms and 4.5 bathrooms. There will be 11 s.f. of covered patio space at the entry, 58 s.f. of covered patio space on the 1st floor (rear) and 120 s.f. of covered patio and 58 s.f. of uncovered deck at the 2nd floor. There will also be 586 s.f. of open roof deck at the 3rd floor. 235 s.f. of dedicated "open space" has been provided to comply with the 15% open space requirement. All development on the site will comply with current City of Newport Beach Planning regulations for setbacks, height and floor area. The proposed development conforms to all applicable sections of the certified Local Coastal Program and conforms with the public access and public recreation policies of Chapter 3 of the Coastal Act. Thanks. eric d. aust PA2021-024 Equity Trust Escrow Marlyn Rodas 8599 Haven A venue Suite 303 Rancho Cucamonga, CA 91730 Title Contact Information: WFG National Title Company·of California 500 Technology Drive, Suite 100 Irvine, CA 92618 Phone: (949) 430-3722 E-mail: titleunitoc@wfgtitleco.com Title Officer: Jan Vaccaro Order No.: 20-277731 Property Address: 6806 W Oceanfront Newport Beach, CA 92663 APN: 045-033-17 In response to the above referenced application for a policy of title insurance, WFG National Title Insurance 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 of 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 Exhibit One attached. 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 CL TA and AL TA 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 Exhibit 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 Exhibit 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. The form of policy or policies of title insurance contemplated by this report is/are: AL TA® HomeOwner's Policy (12-02-13) ALT A® Ext Loan Policy (06-17-06) Issued by WFG National Title Insurance Company Dated as of: August 11, 2020 at 7:30 am The estate or interest in the land hereinafter described or referred to covered by this Report is: A Fee Title to said estate or interest at the date hereof is vested in: Sean Robbins, a single man view image The land referred to in this report is situated in the State of California, County of Orange, and is described as follows: SEE ATTACHED EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14) Page 1 of 13 PA2021-024 Order No.: 20-277731 EXHIBIT "A" LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE COUNTY OF ORANGE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: PARCEL 1: LOT 4 IN BLOCK H, SEASHORE COLONY TRACT, IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA, AS SHOWN ON A MAP THEREOF RECORDED IN BOOK 7 PAGE 25 OF MISCELLANEOUS MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA. EXCEPT THEREFROM THE NORTHEASTERLY 15 FEET OF SAID LOT 4 AS GRANTED TO THE CITY OF NEWPORT BEACH BY DEED DATED JANUARY 21, 1932 AND RECORDED IN BOOK 530 AT PAGE 359, OF OFFICIAL RECORDS IN THE OFFICE OF THE COUNTY RECORDER OF SAID ORANGE COUNTY. ALSO EXCEPT THAT PORTION OF LOT 4 CONVEYED TO DEED DATED OCTOBER 13, 1964 TO RUSSELL C. GRIFFITH AND JUNE H. GRIFFITH, RECORDED ON OCTOBER 21, 1964 AS INSTRUMENT NO. 19917 IN BOOK 7270 PAGE 305, OFFICIAL RECORDS, ORANGE COUNTY, CALIFORNIA. PARCEL 2: THE NORTHEASTERLY 15 FEET OF THAT PORTION OF OCEAN AVENUE ADJOINING SAID LOT 4 ON THE SOUTHWEST WHICH WAS VACATED AND ABANDONED BY THE CITY OF NEWPORT BEACH ON JANUARY 4, 1932 BY RESOLUTION RECORDED JANUARY 5, 1932 IN BOOK 530 PAGE 54 OF OFFICIAL RECORDS ORANGE COUNTY, CALIFORNIA. PARCEL 3: THAT PORTION OF LOT 3, IN BLOCK "H" SEASHORE COLONY TRACT, AS SHOWN ON A MAP RECORDED IN BOOK 7 PAGE 25 OF MISCELLANEOUS MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA, DESCRIBED AS FOLLOWS: BEGINNING AT THE MOST WESTERLY CORNER OF SAID LOT 3, THENCE SOUTH 36 DEGREES 00 MINUTES 15 SECONDS WEST, ALONG THE SOUTHWESTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF SAID LOT 3 TO AN INTERSECTION WITH A LINE LYING PARALLEL WITH AND DISTANT 15.00 FEET MEASURED AT RIGHT ANGLES FROM THE SOUTHWESTERLY LINE OF SAID LOT 3; THENCE SOUTH 55 DEGREES 17 MINUTES 00 SECONDS EAST ALONG SAID PARALLEL LINE A DISTANCE OF 2.70 FEET; THENCE NORTHEASTERLY TO THE INTERSECTION OF THE NORTHWESTERLY LINE OF SAID LOT 3, WITH A LINE THAT IS PARALLEL WITH A DISTANT SOUTHWESTERLY 15.00 FEET MEASURED AT RIGHT ANGLES FROM THE NORTHEASTERLY LINE OF SAID LOT 3; THENCE SOUTH 36 DEGREES 00 MINUTES 15 SECONDS WEST, 60.00 FEET TO THE POINT OF BEGINNING SAID LANDS IS INCLUDED WITHIN THE AREA SHOWN ON A MAP FILED IN BOOK 27, PAGE 48 OF RECORD OF SURVEYS, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. APN: 045-033-17 WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14) Page 2 of 13 PA2021-024 Order No.: 20-277731 At the date hereof exception to coverage in addition to the printed Exceptions and Exclusions in said policy form would be as follows: 1 a. General and special taxes and assessments for the fiscal year 2020 -2021, a lien not yet due or payable. 1 b. General and Special City and/or County taxes, including any personal property taxes and any assessments collected with taxes, for the fiscal year 2019 -2020: 1st Installment: 2nd Installment: APN.: Code Area: $1,226.68, Paid $1,226.68, Paid 045-033-17 View Taxes 07-001 1 c. Supplemental taxes for the fiscal year 2019 -2020 issued pursuant to the provisions of Chapter 3.5 (commencing with Section 75) of the Revenue and Taxation Code of the State of California. APN No.: 1st Installment: 2nd Installment: 045-033-17.9901 View Taxes $20,619.49 Paid $20,619.48 Paid 1 d. Supplemental taxes for the fiscal year 2019-2020 issued pursuant to the provisions of Chapter 3.5 (commencing with Section 75) of the Revenue and Taxation Code of the State of California. APN No.: Supplemental Bill No.: 1st Installment: 2nd Installment: 045-033-17.0100045-033-17 View Taxes not shown NO TAX DUE $3,366.72 Paid 1 e. Supplemental taxes for the fiscal year 2019-2020 issued pursuant to the provisions of Chapter 3.5 (commencing with Section 75) of the Revenue and Taxation Code of the State of California. APN No.: Supplemental Bill No.: 1st Installment: 2nd Installment: 045-033-17. 0200 not shown NO TAX DUE $804.11 Paid 1 f. An assessment by the improvement district shown below: Assessment (or Bond) No.: Series: District: For: Bond Issued: 0000 Reassessment Of District 69 City of Newport Beach No. 2012 June 29, 2012 Said assessment is collected with the county/city property taxes. 1g. The lien of supplemental taxes, if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of the California Revenue and Taxation Code. 1 h. Assessments, for community facility districts, if any, affecting said land which may exist by virtue of assessment maps or notices filed by said districts. 1 i. The liens of bonds and assessments liens, if applicable, collected with the general and special taxes. 2. Water rights, claims or title to water, whether or not shown by the public records. WFG Form No. 3151600 CL TA Preliminary Report Form (06-05-14) Page 3 of 13 PA2021-024 Order No.: 20-277731 3. An easement for the rights and rights of way to drill, test, complete, equip, maintain, repair, clean, redrill, deepen, operate, produce, dismantle, (remove casing and other equipment from), plug and abandon a well or wells for the purpose of exploring for and/or producing oil, gas and/or other hydrocarbon substances and rights incidental thereto, as set forth in a document recorded in (book) 3186 (page) 196, of Official Records. Reference is hereby made to said document for full particulars. 4. An easement for drill, test, complete, equip, maintain, repair, clear, redrill, deepen, operate, produce, dismantle, (remove casing and other equipment from) plug and abandon a well or wells for the purpose of exploring for and/or producing oil, gas and/or other hydrocarbon substances and rights incidental thereto, as set forth in a document recorded on February 17, 1981, in (book) 13951 (page) 273, of Official Records. Reference is hereby made to said document for full particulars. 5. Easements, if any, for public utilities pipelines or facilities installed in any portion of the vacated street or alley, lying within the land, together with the right of ingress and egress to repair, maintain, replace and remove the same. 6. Any claim that any portion of the land is or was formerly tidelands within the bed of any tidal slough. 7. Any claim that any portion of the land is below the ordinary high water mark. 8. Public trust easement over any portion of the land that is tidelands, filled or unfilled. 9. Any rights, interests or easements in favor of the public which exist or are claimed to exist over any portion of the land covered by water. 10. Any public recreational rights, interests or easements that have been or may be established by proven use for a period of time. 11. Public trust easement for commerce, navigation and fisheries over any Board of Tide Land Commissioners lot which is submerged or subject to the ebb and flow of the tide which was filled subsequent to February 1980. 12. A deed of trust to secure an indebtedness in the amount shown below, and any other obligations secured thereby: Amount: Dated: Truster: Trustee: Beneficiary: Lender: Recorded: Instrument No.: $3,150,000.00 January 15, 2020 Sean Robbins, a single man Fidelity National Title Company Mortgage Electronic Registration Systems, Inc. Commerce Home Mortgage, LLC January 31, 2020 2020000043346 of Official Records 13. A certified copy of a judgment for child, family or spousal support: Court: Case No.: Debtor: Creditor: Recorded: Instrument No.: WFG Form No. 3151600 Superior Court of California, County of Orange 04FL103370 Sean David Robbins County of Orange November 18, 2004 2004001034301, of Official Records. Page 4 of 13 CL TA Preliminary Report Form (06-05-14) PA2021-024 Order No.: 20-277731 14. Rights or claims of parties in possession. 15. The transaction contemplated in connection with this report is subject to the review and approval of the Company's Corporate Underwriting Department. The Company reserves the right to add additional items or make further requirements after such review. END OF EXCEPTIONS WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14) Page 5 of 13 PA2021-024 Req. No. 1. Req. No. 2. Req. No. 3. Order No.: 20-277731 REQUIREMENTS Statements of information from all parties to the transaction. A deed from the spouse of Sean Robbins if any, or any married vestee herein be recorded in the public records, or the joinder of the spouse of any married vestee named herein on any conveyance, encumbrance or lease to be executed by the vestee. The deed should contain the following statement: It is the express intent of the granter, being the spouse of the grantee, to convey all right, title and interest of the granter, community or otherwise, in and to the herein described property to the grantee as his/her sole and separate property. Determination of whether reporting is required under any applicable U.S. Department of Treasury FINCEN Geographic Targeting Order (GTO) and, if reporting under the GTO is required, providing to the Company the information and identity documents required to comply with the GTO and complete the report. WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14) Page 6 of 13 PA2021-024 Order No.: 20-277731 NOTES This report does not reflect requests for notice of default, requests for notice of delinquency, subsequent transfers of easements, and similar matters not germane to the issuance of the policy of title insurance anticipated hereunder. Note 1: If this company is requested to disburse funds in connection with this transaction, Chapter 598 of 1989 Mandates of the California Insurance Code requires hold periods for checks deposited to escrow or sub-escrow accounts. Such periods vary depending upon the type of check and anticipated methods of deposit should be discussed with the escrow officer. Note 2: No endorsement issued in connection with the policy and relating to covenants, conditions or restrictions provides coverage for environmental protection. Note 3: Special recordings: Due to a severe budget shortfall, many county recorders have announced that severe limitations will be placed on the acceptance of "special recordings." Note 4: Homeowners association: if the property herein described is subject to membership in a homeowners association, it will become necessary that we be furnished a written statement from the said homeowners association of which said property is a member, which provides that all liens, charges and/or assessments levied on said land have been paid. Said statement should provide clearance up to and including the time of closing. In order to avoid unnecessary delays at the time of closing, we ask that you obtain and forward said statement at your earliest convenience. Note 5: Demands: This Company requires that all beneficiary demands be current at the time of closing. If the demand has expired and a current demand cannot be obtained it may be necessary to hold money whether payoff is made based on verbal figures or an expired demand. Note 6: Line of credit payoffs: If any deed of trust herein secures a line of credit, we will require that the account be frozen and closed and no additional advances be made to the borrower. If the beneficiary is unwilling to freeze the account, we will require you submit to us all unused checks, debit vouchers, and/or credit cards associated with the loan along with a letter (affidavit) signed by the truster stating that no additional advances will be made under the credit line. If neither of the above is possible, it will be necessary to hold any difference between the demand balance and the maximum available credit. Note 7: Maps: The map attached hereto may or may not be a survey of the land depicted thereon. You should not rely upon it for any purpose other than orientation to the general location of the parcel or parcels depicted. WFG National Title Company of California expressly disclaims any liability for alleged loss or damages which may result from reliance upon this map. Note 8: In the event of cancellation or if the transaction has not closed within 90 days from the date hereof, the rate imposed and collectable shall be a minimum of $360.00, pursuant to Section 12404 of the Insurance code, unless other provisions are made. Note 9: A Preliminary Change of Ownership Report (PCOR) must be filed with each conveyance in the County Recorder's office for the county where the property is located. If a document evidencing a change in ownership is presented to the Recorder for recordation without the concurrent filing of a PCOR, the Recorder may charge an additional recording fee of twenty dollars ($20). State law also provides for a penalty of be levied if the Change of Ownership Report is not returned to the Assessor within a timely filing period. The penalty for failure to file a Change in Ownership Statement is $100 or 10% of the new tax bill, whichever is greater, but not to exceed $2,500. Note 1 O: As to any and all covenants and restrictions set forth herein, the following is added: "but omitting any covenant, condition or restriction indicating a preference, limitation or discrimination based on race, color, religion, sex, sexual orientation, familial status, disability, handicap, national origin, genetic information, gender, gender identity, gender expression, marital status, source of income (as defined in subdivision (p) of Section 12955), or ancestry, that restriction violates state and federal fair housing laws and is void, and may be removed pursuant to Section 12956.2 of the Government Code, to the extent such covenants, conditions or restrictions violate Title 42, Section 3604(c), of the United States Codes or Section 12955 of the California Government Code. Lawful restrictions under state and federal law on the age of occupants in senior housing or housing for older persons shall not be construed as restrictions based on familial status." WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14) Page 7 of 13 PA2021-024 Order No.: 20-277731 Note 11: Due to current conflicts or potential conflicts between state and federal law, which conflicts may extend to local law, regarding marijuana, if the transaction to be insured involves property which is currently used or is to be used in connection with a marijuana enterprise, including but not limited to the cultivation, storage, distribution, transport, manufacture, or sale of marijuana and/or products containing marijuana, the Company declines to close or insure the transaction, and this Preliminary Title Report shall automatically be considered null and void and of no force and effect. Note 12: This report is preparatory to the issuance of an ALTA Loan Policy. We have no knowledge of any fact which would preclude the issuance of the policy with CL TA Endorsement forms 100, 116 or 116.01 and if applicable, 115 and 116.02 attached. When issued, the CLTA endorsement form 116, 116.01 or 116.02, if applicable will reference Single Family Residence known as 6806 W Oceanfront, City of Newport Beach, County of Orange, California Note 13: The only conveyances affecting said land which recorded within twenty-four (24) months of the date of this report are: Grant Deed Grantor(s): Grantee(s): Recorded Date: Recording No: Comments: Grant Deed Grantor(s): Grantee(s): Recorded Date: Recording No: Comments: WFG Form No. 3151600 Turk Investments, LLC, an Oregon Limited Liability Company Sean Robbins, a single man July 8, 2019 (instrument) 2019000241233, of Official Records View Image Janet M. Stephens, Trustee under that certain Revocable Trust Agreement dated September 29, 1987 known as The William C. Stephens Family Trust, as to an undivided 1/2 interest, and Carol L. Nielsen, Successor Trustee of the Semeniuk Family Trust, also referred to as Declaration of Trust dated September 23, 1992, as to an undivided 1/2 Interest Turk Investments, LLC, an Oregon Limited Liability Company May31,2019 (instrument) 2019000187495, of Official Records view image Page 8 of 13 CLTA Preliminary Report Form (06-05-14) PA2021-024 Exhibit One (Rev. 06-15-14) CL TA STANDARD COVERAGE POLICY-1990 (4-8-14) EXCLUSIONS FROM COVERAGE Order No.: 20-277731 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) (b) 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. Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. · Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE-SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, which are 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. WFG Form No. 3151600 Cl TA Preliminary Report Form (06-05-14) Page 9 of 13 PA2021-024 CL TA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) EXCLUSIONS Order No.: 20-277731 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: Covered Risk 16: Covered Risk 18: Covered Risk 19: Covered Risk 21: Your Deductible Amount 1 % of Policy Amount Shown in Schedule A or $2,500 (whichever is less) 1 % of Policy Amount Shown in Schedule A or $5,000 (whichever is less) 1 % of Policy Amount Shown in Schedule A or $5,000 (whichever is less) 1 % of Policy Amount Shown in Schedule A of $2,500 (whichever is less) Our Maximum Dollarlimit of Liability $10,000.00 $25,000.00 $25,000.00 $5,000.00 2006 ALTA LOAN POLICY (06/17/06)) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance 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. WFG Form No. 3151600 CL TA Preliminary Report Form (06-05-14) Page 10 of 13 PA2021-024 Order No.: 20-277731 (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 the Insured to comply with applicable doing-business laws of the state in which the land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in covered Risk 13(b) of this policy .. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under covered Risk 11 (b). The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE Except as provided in Schedule B -Part II, 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. (a) PART1 Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) Proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the Public Records 6. Any lien or right to a lien for services, labor or material not shown by the Public Records. PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:] 2006 ALTA OWNER'S POLICY (06/17/06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) (b) Any law, ordinance 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. 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; WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14) Page 11 of 13 PA2021-024 Order No.: 20-277731 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 which arise by reason of: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) Proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or 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. WFG Form No. 3151600 CLTA Preliminary Report Form (06-05-14) Page 12 of 13 PA2021-024 ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (12-02-13) EXCLUSIONS FROM COVERAGE Order No.: 20-277731 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 or28); 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. WFG Form No. 3151600 CL TA Preliminary Report Form (06-05-14) Page 13 of 13 PA2021-024 STATEMENT OF INFORMATION CONFIDENTIAL -TO BE USED ONLY IN CONNECTION WITH ORDER NO: 20-277731, ESCROW NO.: 20-277731AND PROPERTY ADDRESS: 6806 W OCEANFRONT, NEWPORT BEACH, CA 92663 1. IMPROVEMENTS: □ NONENACANT LAND □ SINGLE RESIDENCE □ MULTIPLE RESIDENCE □ COMMERICAL 2. OCCUPIED BY: □OWNER □ TENANTS 3. CONSTRUCTION WITHIN LAST 6 MONTHS? □YES □NO IF YES, INDICATE WORK DONE: PARTY 1 PARTY 2 FIRST MIDDLE □ NONE LAST FIRST MIDDLE □ NONE LAST FORMER LAST NAME(S), IF ANY FORMER LAST NAME(S), IF ANY BIRTHPLACE BIRTH DATE BIRTHPLACE BIRTH DATE SOCIAL SECURITY NUMBER DRIVER'S LICENSE SOCIAL SECURITY NUMBER DRIVER'S LICENSE NAME OF FORMER SPOUSE/REGISTERED DOMESTIC PARTNER NAME OF FORMER SPOUSE/REGISTERED DOMESTIC PARTNER MARRIAGE □ SINGLE □ MARRIED □ UNMARRIED DATE OF MARRIAGE/DIVORCE: PARTY 1 RESIDENCES FOR LAST 10 YEARS ADDRESS CITY STATE FROM (DATE) TO (DATE) ADDRESS CITY STATE FROM (DATE) TO (DATE) ADDRESS CITY STATE FROM (DATE) TO (DATE) OCCUPATIONS FOR LAST 10 YEARS OCCUPATION FIRM NAME ADDRESS NUMBER OF YEARS OCCUPATION FIRM NAME ADDRESS NUMBER OF YEARS PARTY 2 RESIDENCES FOR LAST 10 YEARS ADDRESS CITY STATE FROM (DATE) TO (DATE) ADDRESS CITY STATE FROM (DATE) TO (DATE) ADDRESS CITY STATE FROM (DATE) TO (DATE) OCCUPATIONS FOR LAST 10 YEARS OCCUPATION FIRM NAME ADDRESS NUMBER OF YEARS OCCUPATION FIRM NAME ADDRESS NUMBER OF YEARS THE UNDERSIGNED DECLARE, UNDER PENAL TY OF PERJURY, THAT THE FOREGOING IS TRUE AND CORRECT. EXECUTED ON ____________ (DATE), AT ___________________ (CITY). BY ___________________ _ BY ___________________ _ HOME TELEPHONE: _____________ _ HOME TELEPHONE ______________ _ BUSINESS TELEPHONE ____________ _ BUSINESS TELEPHONE ____________ _ EMAIL'"-------------------EMAIL. __________________ _ PA2021-024 Disclosure to Consumer of Available Discounts Pursuant to California Code of Regulations Section 2355.3 In compliance with Section 2355.3 of the California Code of Regulations, if the current transaction involves an improved, one-to-four family, residential dwelling, the proposed insured may be entitled to certain cost reductions and/or discounts in their title insurance premiums and/or settlement service charges, pursuant to the programs listed below, and as further described in the Company's current Schedule of Rates and Rules for the State of California, currently on file with the California Department of Insurance. The reductions and/or discounts available are: Electronic Commerce Group Title Discount Program First Time Buyer(s) Senior Citizen Rate U.S. Military Rate Consumer Direct Rates Disaster Loans Expedited/Electronic Refinance Rates Lender Special Rates 1, 2, 3 Limited Escrow Rates Home Equity Escrow Rate REO Escrow Rate Group Rate Escrow Discount Application of the Reductions and/or Discounts listed above shall be governed by the rules and requirements set forth in the Schedule of Rates and Rules on file in the office of the California Insurance Commissioner. Multiple programs may or may not be applied. Pursuant to the above referenced California Code of Regulations Section, neither provision nor acceptance of this form shall constitute a waiver of the consumer's right to be charged the filed rate. With the receipt of the Preliminary Report to which this Disclosure Form is attached, the proposed insured acknowledges that they have been notified that they may be entitled to certain cost reductions and/or discounts, as listed above and as more particularly described in the Company's Schedule of Rates and Rules, currently on file in the office of the Insurance Commissioner of the State of California. PA2021-024 ~iston Financial Group Plain English Privacy Statement for Appraisal, Title & Escrow Customers WFG believes it is important to protect your privacy and confidences. We recognize and respect the privacy expectations of our customers. We believe that making you aware of how we collect information about you, how we use that information, and with whom we share that information will form the basis for a relationship of trust between us. This Privacy Policy provides that explanation. We reserve the right to change this Privacy Policy from time to time. Williston Financial Group, LLC, WFG National Title Insurance Co. and each of the affiliates listed below (collectively "WFG" or the "WFG Family") are obligated to comply with Federal and state privacy laws. While there are some common requirements to those laws, the definitions and duties differ significantly from law-to-law and state-to-state. A privacy statement drafted to comply with all of the applicable privacy laws and their differing definitions would likely be confusing. Therefore, in an attempt to better communicate our privacy policies, WFG designed this "Plain English" explanation, followed by the Gramm-Leach-Bliley Act model form and website links to State-Specific Privacy Notices in order to provide you with the complete, legal privacy notices and disclosures required under Federal and applicable State Laws. WFG's primary business is providing appraisal, title insurance and, escrow services for the sale or refinance of real property. This can be a complicated process, involving multiple parties, many of whom have been selected by our customers, each filling a specialized role. In part, you have hired WFG to coordinate and smooth the passage of the information necessary for an efficient settlement or closing. In the course of this process, WFG collects a significant amount of personal and identifying information about the parties to a transaction, including sensitive items that include but are not limited to: your contact information including email addresses, Social Security numbers, driver's license and, other identification numbers and information; financial, bank and insurance information; information about past and proposed mortgages and loans; about properties you currently or previously owned; your mortgage application package; and the cookie, IP address, and other information captured automatically by computer systems. Much of this information is gathered from searches of public land records, tax, court and credit records to make certain that any liens, challenges, or title defects are addressed properly. Some of the information that is collected is provided by you, or the computer systems you use. We also may receive information from real estate brokers and agents, mortgage brokers and, others working to facilitate your transaction. We also may receive information from public, private or governmental databases including credit bureaus, 'no-fly' lists, and terrorist 'watch lists' , as well as from your lenders and credit bureaus. What Information is Shared? WFG DOES NOT SELL any of your information to non-affiliated companies for marketing or any other purpose. However, some of the same information does get shared with persons inside and outside the WFG Family in order to facilitate and complete your transaction. For example: • Information, draft documents, and closing costs will pass back and forth between WFG and your mortgage broker and lender to facilitate your transaction. • Information, including purchase agreements and amendments, will pass back and forth between WFG and the real estate agents and brokers, the mortgage brokers and lenders, the lawyers and accountants, and others involved in facilitating the transaction. • WFG may order property searches and examinations from title searchers, abstractors and title plants. • WFG may use third parties to obtain tax information, lien information, payoff information, condominium and, homeowners' association information and payoff information. • Third parties may be engaged to prepare documents in connection with your transaction. • Surveys, appraisals and, inspections may be ordered. PA2021-024 • Within the WFG Family of companies, we may divide up the work to handle each closing in the most efficient manner possible and to meet specific legal and licensing requirements. Certain parts of your closing (for example a search or disbursement) may be handled by another division or company within the WFG Family. • When it is time for signatures, your complete closing package may be sent to a notary, remote online notary, or notary service company who will arrange to meet with you to sign documents. The notary will, in turn, send signed copies back to us along with copies of your driver's license or other identity documents usually by mail, UPS, Federal Express or another courier service. • Your deed, mortgage and other documents required to perfect title will be recorded with the local recorder of deeds. • In some cases, we use an outside service to coordinate the recording or electronic-recording of those instruments, and they will receive copies of your deeds, mortgages and other recordable documents to process, scan and send on to the recording office. • Various government agencies get involved. The law requires us to provide certain information to the IRS, the US Treasury, local and state tax authorities and other governmental agencies. You have a choice in the selection of a mortgage broker, lender, real estate broker or agent and others that make up your 'transaction team.' Information flows to and from the members of the transaction team you have selected to facilitate an efficient transaction for you. When WFG selects and engages a third-party provider, we limit the scope of the information shared with that third party to the information reasonably necessary for that service provider to provide the requested services. With most, we have entered into express agreements in which they expressly commit to maintain a WFG customer's information in strict confidence and use the information only for purposes of providing the requested services, clearing title, preventing fraud and addressing claims under our title insurance policies. How does WFG use your Information? We may use your personal information in a variety of ways, including but not limited to: • Provide the products, services and title insurance you have requested and to close and facilitate your transaction. • Coordinate and manage the appraisal process. • Handle a claim or provide other services relating to your title insurance policies. • Create and manage your account. • Operate and improve WFG's applications and websites, including WFG MyHome®, WFG's secure communication and transaction portal. Your information is used for access management, payment processing, site administration, internal operations, troubleshooting, data analysis, testing, research, and for statistical purposes. • Respond to your requests, feedback, or inquiries. • Comply with laws, regulations, and other legal requirements. • Comply with relevant industry standards and our policies, including managing WFG's risk profile through reinsurance. • Protect and enforce your rights and the rights of other users against unlawful activity, including identity theft and fraud. • Protect and enforce our collective rights arising under any agreements entered into between WFG and you or any other third party; • Protect the integrity and maintain security of our applications, websites, and products; • Operate, evaluate, and improve our business; and • Provide you with information about products, services, and promotions, from WFG or third parties that may interest you. How Do We Store and Protect Your Personal Information? Although no system can guarantee the complete security of your personal information, we will use our best efforts to maintain commercially reasonable technical, organizational, and physical safeguards, consistent with applicable law, to protect your personal information and our systems and sites from malicious intrusions or hacking. PA2021-024 How Long Do We Keep Your Personal Information? We keep your personal information for as long as necessary to comply with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. We may store some personal information indefinitely. If we dispose of your personal information, we will do so in a way that is secure and appropriate to the nature of the information subject to disposal. Computer Information When you access a WFG website, or communicate with us by e-mail, we may automatically collect and store more information than you are expressly providing when you fill out a survey or send an email. This may include: Your IP Address. • Your email address, your alias and, social media handles. The type of browser and operating system you use. The time of your visit. • The pages of our site you visit. • Cookies. In order to provide you with customized service, we make use of Web browser cookies. Cookies are files that help us identify your computer and personalize your online experience. You may disable cookies on your computer, but you may not be able to download online documents or access certain sites unless cookies are enabled. The technical information we collect is used for administrative and technical purposes and to prevent fraud and provide identity verification. For instance, we may use it to count the number of visitors to our site and determine the most popular pages. We may also use it to review types of technology you are using, determine which link brought you to our Web site, assess how our advertisements on other sites are working, help with maintenance, and improve our customers' experience. We may compare information gathered on previous visits to verify that we are interacting with the same parties and not a potential imposter. If we ask you to fill out any forms or surveys, we will use the information we receive only for the specific purposes indicated in those forms or surveys. The information you and your transaction team send us in emails or attached to an email, or provide through any of our online tools, is used for purposes of providing title, escrow and appraisal management services and used for the purposes described above. Links to Third Party Sites Our Applications and Websites may contain links to third-party websites and services. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice applies to WFG's applications and websites only. Do Not Track Because there is not an industry-standard process or defined criteria to permit a user to opt-out of tracking their online activities (Do Not Track or ONT), our websites do not currently change the way they operate based upon detection of a "Do Not Track" or similar signal. Likewise, we cannot assure that third parties are not able to collect information about your online activities on WFG websites or applications. Social Media Integration Our applications, websites, and products contain links to and from social media platforms. You may choose to connect to us through a social media platform, such as Facebook, Twitter, Google, etc. When you do, we may collect additional information from or about you, such as your screen names, profile picture, contact information, contact list, and the profile pictures of your contacts, through the social media platform. The social media platforms may also collect information from you. When you click on a social plug-in, such as Facebook's "Like" button, Twitter's "tweet" button or the Google+, that particular social network's plugin will be activated and your browser will directly connect to that provider's servers. Your action in clicking on the social plug-in causes information to be passed to the social media platform. PA2021-024 We do not have control over the collection, use and sharing practices of social media platforms. We, therefore, encourage you to review their usage and disclosure policies and practices, including their data security practices, before using social media platforms. How Can You "Opt-Out?" We do not sell your information; therefore there is no need to opt-out of such reselling. Under various laws, you can opt- out of the sharing of your information for more narrow purposes. For additional detail, consult the Links under the "Legal" Notices attached below. The "Legal" Notices To comply with various federal and state laws, we are required to provide more complete legal notices and disclosures. In reviewing these, you will find that these notices incorporate the definitions and terminology used in the respective privacy laws which can often be somewhat convoluted and may even seem inconsistent with the descriptions above. The state- specific statutes may also give residents of those states additional rights and remedies. Privacy Notice for California Residents -https://national.wfgnationaltitle.com/privacy-notice-california Privacy Notice for Oregon Residents -https://national.wfgnationaltitle.com/privacy-notice-oregon How to Contact Us If you have any questions about WFG's privacy policy or how we protect your information, please contact WFG: • By email: Consumerprivacy@willistonfinancial.com • By telephone: 833-451-5718 • By fax: 503-97 4-9596 • By mail: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223 • In-person: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223 WFG FAMILY WILLISTON FINANCIAL GROUP LLC WFG NATIONAL TITLE INSURANCE COMPANY WFG LENDER SERVICES, LLC WFGLS TITLE AGENCY OF UTAH, LLC WFG NATIONAL TITLE COMPANY OF WASHINGTON, LLC WFG NATIONAL TITLE COMPANY OF CALIFORNIA WFG NATIONAL TITLE COMPANY OF TEXAS, LLC D/B/A WFG NATIONAL TITLE COMPANY UNIVERSAL TITLE PARTNERS, LLC VALUTRUST SOLUTIONS, LLC WILLISTON ENTERPRISE SOLUTIONS & TECHNOLOGY, LLC WFG NATIONAL TITLE COMPANY OF CLARK COUNTY, WA, LLC D/B/A WFG NATIONAL TITLE Revised 6.12.20 PA2021-024 FACTS Why? What? How? --------------------------------------, WHAT DOES WILLISTON FINANCIAL GROUP DO WITH YOUR PERSONAL INFORMATION? 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. 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 other government identification information • Your name, address, phone, and email • Information about the property, any liens and restrictions • Financial Information including credit history and other debt • Financial account information, includin wire transfer instructions. 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 Williston Financial Group chooses to share; and whether you can limit this sharin . Reasons we can share your personal information I Does Williston Financial Group share? / Can you limit this sharing? For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investi ations, or re ort to credit bureaus For our marketing purposes- to offer our roducts and services to ou For our affiliates' everyday business purposes- information about our transactions and ex eriences For our affiliates' everyday business purposes- information about our creditworthiness Yes Yes No Yes No For our affiliates to market to ou No For nonaffiliates to market to ou No No No We don't share No We don't share We don't share We don't share To limit • Call 833-451-5718-our menu will prompt you through your choice(s) our sharing • Visit us online: http://bit.ly/WFGsConsumerPrivacylnformationRequestPage or e-mailing us at consumerprivacy@willistonfinancial.com Questions? Mail-In Form If you have a joint policy, your choices will apply to everyone on your account. • Mail the form below Please note: If you are a new customer, we can begin sharing your information from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, ou can contact us at an time to limit our sharin . Mark any/all you want to limit: [ ] Do not share information about my creditworthiness with your affiliates for their everyday business purposes. [ ] Do not allow your affiliates to use my personal information to market to me. [ ] Do not share my personal information with nonaffiliates to market their products and services to me. Mail to: -----------------------1 Williston Financial ------------------Group PRIVACY DEPT 12909 SW 68th Pkwy, #350 Portland, OR 97223 Rev. 12/2019 PA2021-024 Who is providing this notice . . . How does Williston Financial Group protect my personal information? How does Williston Financial Group collect my personal information? Why can't I limit all sharing? What happens when I limit sharing for an account I hold ·ointl with someone else? Affiliates Nonaffiliates Joint marketing . . . . . . . Williston Financial Group, LLC and its affiliates and subsidiaries as listed below: 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. We limit access to your information to employees that need to use the information to process or protect transaction. We take industry standard (IPSEC) measures to protect against malicious intrusions or hacking We collect your personal information, for example, when you • Apply for insurance • Engage us to provide appraisal, title and escrow services • Give us your contact information • Provide your mortgage information • Show your driver's license We also collect your personal information from others, such as real estate agents and brokers, mortgage brokers, lenders, credit bureaus, affiliates, and others 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharin . See below for more on our ri hts under state law. Your choices will apply to everyone on your policy. Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common corporate identity, includin those listed below. Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffilliates we share with can include real estate agents and brokers, mortgage brokers, lenders, appraisers, abstractors and title searchers and others as appropriate to facilitate your transaction. A formal agreement between nonaffiliated financial companies that together market financial products or services to you. As a resident or citizen of certain states, we may have to provide additional state specific privacy notices and you may have rights other than as set forth above. The links below will provide state specific information: Privacy Notice for California Residents -https://national.wfgnationaltitle.com/privacy-notice-california Privacy Notice for Oregon Residents -https://national.wfgnationaltitle.com/privacy-notice-oregon PA2021-024 OWNER'S AFFIDAVIT State of _____________ _ County of _____________ _ The undersigned, first being duly sworn, deposes and says: 1) That they are the owner of that certain real property commonly known as : 6806 W Oceanfront, Newport Beach. CA 92663 [complete street address or addresses] located in the County of Orange described in your Preliminary Report No. 20-277731. That the land is lawfully improved by a: D Single family residence D Apartment building D a one-to-four family residence. D Office building Escrow No.: 20-277731 Order No.: D Commercial building D Combination office and commercial building D Industrial building □------- 2) That there is actual pedestrian and vehicular access to and from said land, except for: ---'-------------- 3) That there have been no repairs, work of improvement or materials furnished to the premises within the last ninety (90) days except: That the work of improvement or repairs, if any: D Started on ________________ _ D Was completed on ______________ _ D Will be completed on _____________ _ 4) There are no unpaid bills for labor or material because of any improvements or repairs made to the above premises, for homeowners association dues, or for taxes or assessments, except _____________________ _ 5) That there is no one in possession of or has access to the premises other than: D The undersigned D Tenants based only on month-to-month rental agreements D Lessees based upon existing leases, copies of which are attached hereto □----------------------------- 6) That no person(s) other than those mentioned above have any rights, easements, licenses, or agreements allowing them to use, encroach on, or travel over said real property, except __________________________ _ (Enter "None" if such is true) 7) That to our knowledge there are no existing violation of city or county ordinances regulating the use of this land, nor any existing dispute with adjoining owners, their tenants or a homeowners association over the boundaries or use of this land, except_ 8) That this Affidavit is given for the purpose of inducing WFG National Title Company of California to issue its policy(ies) of title insurance which may provide coverage as to the items mentioned above and that the statements made herein are true and correct of my/our own knowledge. 9) That the undersigned has not received any notice of a supplemental tax bill, except ________________ _ 10) That said affiant(s) further certify(ies) and declare(s) that they will testify or depose before any competent tribunal, officer, or person in any case now pending or hereafter instituted, to the truth of the foregoing statements and each of them. Affiant(s), please remember to attach copies. Dated: Sean Robbins PA2021-024 A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accurac or validi of that document. STATE OF CALIFORNIA ss. COUNTY OF _______ _ Subscribed and sworn to (or affirmed) before me on this ___ day of _________ _, 20 __ by ________________________ _, proved to me on the basis of satisfactory evidence to be the person(s) who appeared before me. Notary Public Signature PA2021-024 j ! \ ) ~ \·.· .. ·; .. ~ _.:·~ . : .~ : _.:.· I ~ ·.·)··.·· .. r•. ,_.·.. .··f,.,: ·)· .·~ . . ... ·. : ..... : . K .. II I t1 L_:045-V0 i · ... ~ . .COA.$r. . ~ . : BOULEVARD . ~ 64_•40.$0' ·'6~ .'' .··:·62 '• . 161 •. 160 • 159 '-----cc,58·,.-~157 • '56 • .. \55,:. ·~4 • 1sJ. M •. 152 157 •v.:iv· '.50.\ l\. .. f . ·1TRAcrl-· .. · . I.· .. I I :. 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