Loading...
HomeMy WebLinkAbout20190926_ApplicationPA2019-180 Community Development Department Planning Permit Application 1. Check Permits Requested: D Approval-in-Concept -AIC # D Lot Merger D Coastal Development Permit D Limited Term Permit - 0 Waiver for De Minimis Development O Seasonal O < 90 day 0>90 days D Coastal Residential Development D Modification Permit D Condominium Conversion D Off-Site Parking Agreement D Comprehensive Sign Program D Planned Community Development Plan D Development Agreement D Planned Development Permit D Development Plan D Site Development Review -D Major O Minor D Lot Line Adjustment D Parcel Map 2. Project Address(es)/Assessor's Parcel No(s) I Fl-3 5 ~Jesfd;.f.f '[)r. ;Je ·..J po r f ·5~l"'-C..h, Clt Ci~GG O f ft:ioj_O{ -J.-6 0 CITY OF NC?~olr~il~ 100 Civic Center Dr ive Newport Beach , California 92660 949 644-3200 newportbeachca .gov/communitydevelopment D Staff Approval D Tract Map D Traffic Study / ~Use Permit -52f'Minor 0Conditional D Amendment to existing Use Permit D Variance D Amendment -OCode OPC OGP OLCP D Other: 3. Project Description and Justification (Attach additional sheets if necessary): Te11 01vit ;:11j>liJVe n1 e1;(·-/ s fa r ~ p a..1J.f,y s /1()p 4. Applicant/Company Name j _s ho ku h 'Pc:tf; 55 e.,y-; e I Mailing Address I ~ 3 1-fa r lcv,.) I Suite/Unit I Cityl :Irv/,1 e_ Statel CA I Zipl qibt'3 I Phone I ('llfCJ) 55,g _cq_ 'l .'.l I Fax -----1 Email I ct s hocc. (@_ uin c_ref e._c.roJt-. Corri I 5. Contact/Company Name I A I i 5 h~rbr;rf s ho a f I Mailing Address I G 3 HC1. ;"'/o c,J I Suite/Unit I City ~I ----;::=D=r-=v=i' n=e.=Q ====;------;::======-~State I C.-A I Zip I q,;i.(; IS' I Phone I llf4ct)568'_c-'l :,..:i..:i.. I Fax I Email llit.S hoa (@ <irncr et e c nt-f-f-. c:o-w1I 6. Owner Name I W e.s +c f i ~ LOU r t L M', ,t e.d Pct<+Y\{~_-( S Mailing Address I \'1--\ \ Weistc\;.-~f Dr Suite/Unit ";:====== City I N e w ro 1 +-'b -f'._ll c ~ State I CA I Zip i 'tJ '0' O Phone I lC\L lq) b4~-Go~o I Fax ~---~I Email l~vt ·)tc_l;ffcourt (,d -l,.f)e t 7. PropertyOwner'sAffidavit*: (l)(We)I Westc\\ff Cou r t L\tv\~fe d-'?li\.x-tne xs 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 ~n a;I respects r ~nd correct to the best of (my) (our) kn ~ledge and belief.', .• Signature(s): c -~~-.,~--~ Title: I 1. S hiv lJt1fl--.Sho 61.( I Date: I~ foq Jo i DD/MO/YEAR Signature(s): --------------Title:,___ _________ Date:~----~ *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\CDO\Shared\Admin\Planning_Division\Applications\Application_Guidelines\Planning Permit Application -CDP added .docx Rev : 01/24/17 F:\Users\PLN\Shared\Staff_Dir\Garciamay\Ruby\desktop\DESKTOP_\CUT_PASTE_DRAG_COPY\Office Use Only.docx Updated 08/15/17 FOR OFFICE USE ONLY\ Date Filed: _______________________ 2700-5000 Acct. APN No: __________________________ Deposit Acct. No. ________________________ Council District No.: _________________ For Deposit Account: General Plan Designation: ____________ Fee Pd: _______________________________________ Zoning District: _____________________ Receipt No: ____________________________ Coastal Zone: Yes No Check #: __________ Visa MC Amex # ____________ CDM Residents Association and Chamber Community Association(s): _______________________ Development No: __________________________ _____________________________________________ Project No: ________________________________ _____________________________________________ Activity No: _______________________________ Related Permits: ___________________________ APPLICATION Approved Denied Tabled: _________________________ ACTION DATE Planning Commission Meeting Zoning Administrator Hearing Community Development Director Remarks: __________________________________________________________________________________________ __________________________________________________________________________________________ APPLICATION WITHDRAWN: Withdrawal Received (Date): ________________________ APPLICATION CLOSED WITHOUT ACTION: Closeout Date: ________________________ Remarks: __________________________________________________________________________________________ __________________________________________________________________________________________ __________________________________________________________________________________________ __________________________________________________________________________________________ 09/26/2019 117 631 23 3 CG CG N/A PA2019-180 UP2019-047 D2019-0472 PA2019-180 11 WESTCLIFF COURT 09/26/2019 Melanie Whelan Newport Beach Planning Department Sent via: mwhelan@newportbeachca.gov Re: Minor Conditional Use Permit 1735 Westcliff Drive Newport Beach, CA. 92660 Dear Ms. Whelan, With this letter, Landlord and Property Owner hereby acknowledges the effort of Ali Shear and FS Analyticals in seeking a Minor Conditional Use Permit for the premises located at 1735 Westcliff Drive, Newport Beach, California. Landlord and property owner hereby approve these efforts and look forward to welcoming Shokuh Patisserie to Westcliff Court with your approval. Respectfully yours, WESTCLIFF COURT LIMITED PARTNERS KLM 1711 Westcliff Drive o Suite Ao Newport Beach, CA 92660 Telephone 949-642-6020 o Facsimile 949-642-6040 11 PA2019-180 Date: 09/25/2019 From: Shokuh Patisserie 1735 Westcliff Dr., Newport Beach CA 92660 Tel: (949) 558-9722 To: City of Newport Beach Permit & Planning Department Subject: Minor Use Permit Request To whom it may concern; We, SHOKUH PATISSERIE, have leased and are trying to open a French Pastry & Bakery Shop at the above-mentioned address. The shop would bake and sell fresh pastry & bakery items as mostly takeout with very limited number of dine in seats (max 6 seats}. The shop would be operating Monday through Sunday (7 days a week} from 7:30 AM to 5:30 PM. We are intending to do some tenant improvement at the premises based on the plans and drawings to serve our purpose and business line. Shokuh Patisserie would be serving range of unique French pastry and bakery stuff which would be hard to find in the area. Most of the neighbors at the property are already very excited when understood about our concept. In order to perform the required tenant improvement, we require your kind approval to use this premises for the pastry & bakery shop. Your kind consideration and positive feedback is highly appreciated in advance. Many thanks and best regards, Ali Sharbaf Shoar For Shokuh Patisserie ,-:;xwY~. 0 °1 /J'S/ 19 PA2019-180 ~ La~ers Title Concrete Craft of Orange County 16755 Von Karman Ave. Ste. #200 Irvine, CA 92606 Attn: Ali Shear Title Report Property Address: 1719 West cliff Drive, Newport Beach, California Introducing ~ La~ersTitle LiveLOOK Lawyers Title -In land Empire 3480 Vine Street, Suite 300 Riverside, CA 92507 Phone: 951. 774.0825 Title Officer: Nikki Dekterov--So Emai l : tu69@ltic.com Phone No.: (951) 774-0825 x 603 File No.: 619695176 LiveLOOK title document delivery system is designed to provide 24/7 rea l-time access to al l information re lated to a title insurance transaction. Access title reports, exception documents, an easy-to-use summary page, and more, at your fingertips and your convenience. To view your new Lawyers Title LiveLOOK report. Click Here Effortless, Efficient, Compliant, and Accessible PA2019-180 S La~ers Title· Concrete Craft of Orange County 16755 Von Karman Ave. Ste. #200 Irvine, CA 92606 Attn: Ali Shoar Your Reference No: Lawyers Title Company 3480 Vine Street Suite 300 Riverside, CA 92507 Phone: (95 1 ) 774-0825 Fax : ( ) T itle Officer : Nikki Dekterov--So email : tu69@ltic.com Phone No.: (951) 774-0825 x 603 Fax No.: (866) 325 -4742 File No.: 619695176 Property Address : 1719 Westcliff Drive, City of Newport Beach, California PRELIMINARY REPORT Dated as of September 10, 2019 at 7:30 a.m. In response to the appl ication for a policy of title insurance referenced herein, Lawyers 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, l ien or encumbrance not shown or referred to as an exception herein or not excluded from cove r age pursuant to the printed Schedules, Conditions and Stipulations or Conditions of said policy forms. The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Attachment One. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Limitation 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. The policy(s) of title insurance to be issued hereunder will be policy(s) of Commonwealth Land Title Insurance Company. 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 al/ 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. CLTA Preliminary Rep ort Form -Mod ified (11 -17-06) Pag e 1 PA2019-180 SCHEDULE A The form of policy of title insurance contemplated by this report is : CL TA Standard Owners ALTA Loan 2006 File No: 619695176 The estate or interest in the land hereinafter described or referred to covered by this report is: A Fee as to Parcel(s) 1 Easement(s) more fully described below as to Parcel(s) 2 Title to said estate or interest at the date hereof is vested in: Westcliff Court Limited Partners, a California Limited Partnership The land referred to herein is situated in the County of Orange, State of California, and is described as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF CLTA Preliminary Report Form -Modified (11-17-06) Page 2 PA2019-180 File No: 619695176 EXHIBIT "A" All that certain real property situated in the County of Orange, State of California, described as follows: PARCEL 1: LOT 6 AND THE NORTHWESTERLY 0.06 FEET OF LOT 7 OF TRACT NO. 4225 , IN THE CITY OF NEWPORT BEACH, COUNTY OF ORANGE, STATE OF CALIFORNIA, AS SHOWN ON A MAP THEREOF RECORDED IN BOOK 153, PAGES 23 AND 24 OF MISCELLANEOUS MAPS, IN THE OFFICE OF THE COUNTY RECORDER OF SAID COUNTY. EXCEPTING THEREFROM ANY AND ALL OIL, OIL RIGHTS, MINERALS, MINERAL RIGHTS, NATURAL GAS RIGHTS, AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN, GEOTHERMAL STEAM, AND ALL PRODUCTS DERIVED FROM ANY OF THE FOREGOING, THAT MAY BE WITHIN OR UNDER THE LAND, TOGETHER WITH THE PERPETUAL RIGHT OF DRILLING, MINING, EXPLORING AND OPERATING THEREFOR AND STORING IN AND REMOVING THE SAME FROM THE LAND OR ANY OTHER LAND, INCLUDING THE RIGHT TO WHIPSTOCK OR DIRECTIONALLY DRILL AND MINE FROM LANDS OTHER THAN THOSE CONVEYED HEREBY, OIL OR GAS WELLS, TUNNELS AND SHAFTS INTO, THROUGH OR ACROSS THE SUBSURFACE OF THE LAND, AND TO BOTIOM SUCH WHIPSTOCKED OR DIRECTIONALLY DRILLED WELLS, TUNNELS AND SHAFTS UNDER AND BENEATH OR BEYOND THE EXTERIOR LIMITS THEREOF, AND TO REDRILL, RETUNNEL, EQUIP, MAINTAIN, REPAIR, DEEPEN AND OPERATE ANY SUCH WELLS OR MINES, WITHOUT HOWEVER, THE RIGHT TO DRILL, MINE, STORE, EXPLORE AND OPERATE THROUGH THE SURFACE OR THE UPPER 500 FEET OF THE SUBSURFACE OF THE LAND, AS RESERVED IN THE DEED FROM THE IRVINE COMPANY, A MICHIGAN CORPORATION, RECORDED NOVEMBER 20, 1992 AS INSTRUMENT NO. 92-802182 , OFFICIAL RECORDS. ALSO EXCEPTING THEREFROM ANY AND ALL WATER, RIGHTS OR INTERESTS THEREIN, NO MATIER HOW ACQUIRED BY GRANTOR, AND OWNED OR USED BY GRANTOR IN CONNECTION WITH OR WITH RESPECT TO THE LAND, TOGETHER WITH THE RIGHT AND POWER TO EXPLORE, DRILL, REDRILL, REMOVE AND STORE THE SAME FROM THE LAND OR TO DIVERT OR OTHERWISE UTILIZE SUCH WATER RIGHTS OR INTERESTS ON ANY OTHER PROPERTY OWNED OR LEASED BY GRANTOR, WHETHER SUCH WATER RIGHTS SHALL BE RIPARIAN, OVERLYING, APPROPRIATIVE, LITIORAL, PERCOLATING, PRESCRIPTIVE, ADJUDICATED, STATUTORY OR CONTRACTUAL, BUT WITHOUT, HOWEVER, ANY RIGHT TO ENTER UPON THE SURFACE OF THE LAND IN THE EXERCISE OF SUCH RIGHTS, AS RESERVED IN THE DEED FROM THE IRVINE COMPANY, A MICHIGAN CORPORATION, RECORDED NOVEMBER 20, 1992 AS INSTRUMENT NO. 92-002182, OFFICIAL RECORDS. PARCEL 2: NONEXCLUSIVE EASEMENTS FOR ACCESS, INGRESS, EGRESS, USE AND OTHER PURPOSES, ALL AS DESCRIBED IN THE DECLARATION OF ACCESS EASEMENTS DATED NOVEMBER 11, 1991, AND RECORDED ON NOVEMBER 20, 1991, AS I NSTRUMENT NO . 91-632703 OF OFFICIAL RECORDS OF ORANGE COUNTY, CALIFORNIA. APN: 117-631 -23 CLTA Preliminary Report Form -Modified (11-17-06) Page 3 PA2019-180 File No : 619695176 SCHEDULE B At the date hereof Exceptions to coverage in addition to the printed exceptions and exclusions in said policy form would be as follows: A. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2019-2020. B. Any liens or other assessments, bonds, or special district liens including without limitation, Community Facility Districts, that arise by reason of any local, City, Municipal or County Project or Special District. C. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 ( commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A; or as a result of changes in ownership or new construction occurring prior to date of pol icy. 1. Water rights, claims or title to water, whether or not disclosed by the public records. 2. The ownership of said Land does not include rights of access to or from the street, highway, or freeway abutting said Land, such rights having been relinquished by the document, Recording No: Affects : And Amended Recording Date: Recording No: and Re-Recording Date: and Re -Recording No: Book 5928, Page 528 of Official Records Wetscliff Drive April 27, 1966 Book 7913, Page 809 of Official Records May 24, 1966 Book 7940, Page 740 of Official Records Said Land, however, abuts on a public thoroughfare, other than the one referred to above, over which the rights of vehicular access have not been relinquished. 3. Matters contained in that certain document Entitled: Recording Date: Recording No: Memorandum of Agreement December 11, 1961 Book 5939, Page 916 of Official Records Reference is hereby made to said document for full particulars. 4. An easement for ingress and egress over the Northwesterly 7 feet of the Southwesterly 241 feet of Parcel A of said land as disclosed by an unrecorded Leases Amendment dated May 14, 1962. 5. Matters contained in that certain document Entitled: Recording Date : Recording No: Memorandum of Agreement August 17, 1962 Book 6216, Page 887 of Official Records Reference is hereby made to said document for full particulars. CLTA Preliminary Report Form -Modified (11 -17-06) Page 4 PA2019-180 File No: 619695176 6. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: Southern California Edison Company Public utilities February 20, 1963 Book 6439, Page 496 of Official Records Said land more particularly described therein 7. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: Peter J. Van Zandt and Richard H. Dodd Ingress and egress and pedestrian sidewalk October 4, 1963 Book 6747, Page 678 of Official Records Said land more particularly described therein 8. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: Peter J. Van Zandt and Richard H. Dodd Ingress and egress January 7, 1964 Book 6873, Page 945 of Official Records Said land more particularly described therein 9. A perpetual air or flight easement, sometimes referred to as avigation rights, in and to all the air space above those portions of particular planes or imaginary surfaces that overlie said Land for use by aircraft, present or future, from or to the Orange County Airport, said easements and rights being more particularly described and defined in and granted to the County of Orange by deed set forth below: Recording Date: March 17, 1964 Recording No.: Book 6965, page 721 of Official Records The planes above which said easement lies are more particularly described in said Deed and shown on a map referred to therein. 10. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: Southern California Edison Company Public utiliti~s June 30, 1964 Book 7112, Page 282 of Official Records Said land more particularly described therein 11. Matters contained in that certain document Entitled: Recording Date: Recording No: Memorandum of Agreement December 18, 1964 Book 7351, Page 729 of Official Records Reference is hereby made to said document for full particulars . CLTA Preliminary Report Form -Modified (11-17-06) Page 5 PA2019-180 File No: 619695176 12. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: City of Newport Beach Public utilities July 2, 1965 Book 7580, Page 995 of Official Records Said land more particularly described therein 13. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: Oakview Investments, Inc., a California Corporation Ingress and egress December 8, 1967 Book 8459, Page 604 of Official Records Said land more particularly described therein 14. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: Purpose: Recording Date: Recording No: Affects: City of Newport Beach Street and highway June 14, 1977 Book 12242, Page 483 of Official Records Said land more particularly described therein 15. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to : Purpose: Recording Date: Recording No: Affects: City of Newport Beach Street and highway June 14, 1977 Book 12242, Page 492 of Official Records Said land more particularly described therein 16. Matters contained in that certain document Entitled: Declaration of Access Easements Recording Date: November 20, 1991 _R~e~co_r_d_in_g~N_o_: ------~9~1--6~3~2~7~0~3~of Official Records Reference is hereby made to said document for full particulars. 17. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, citizenship, immigration status, primary language, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date : November 20, 1992 ~R=e~co=r~d~i n~g~N=o~: ---------"9-=2~-8=-0=2=1=8""'1~of Offici a I Records Said covenants, conditions and restrictions provide that a violation thereof shall not defeat the lien of any mortgage or deed of trust made in good faith and for value. Among other things, said document provides for: A mortgage with the power of sale executed by 1649 Westcliff Centre Associates as Mortgagor, to The Irvine Company, a Michigan Corporation, as Mortgagee, for the purpose of securing any and all increments of additional purchase price described in Section 3.4 (A) of and as set forth in the above referred to Declaration. CLTA Preliminary Report Form -Modified (11-17-06) Page 6 PA2019-180 File No: 619695176 18. An option to repurchase said land in favor of The Irvine Company, a Michigan Corporation, upon the terms and conditions as provided in the above referred to Declaration. 19. Easement(s) for the purpose(s) shown below and rights incidental thereto as reserved in a document; Reserved by: Purpose: The Irvine Company, a Michigan Corporation (I) The installation, emplacement and maintenance of electric, gas, telephone, cable television, water, sanitary sewer lines, drainage facilities or any other utilities, together with the right tenter upon the land (without unreasonably interfering with grantee's reasonable use and enjoyment thereof) in order to service, maintain, repair, reconstruct, relocate or replace any of such lines or facilities; and (II) Ingress and egress over any public or private bicycle and pedestrian trails or other specific designated use areas Recording Date: November 20, 1992 ~R=e=co=-r~d~i n~g~N=o~: ---------=-9-=2'---8=-0=2=1=8=2=---of Official Records Affects: Said land more particularly described therein 20. Easement(s) for the purpose(s) shown below and rights incidental thereto as reserved in a document; Reserved by: Purpose: The Irvine Company, a Michigan Corporation Nonexclusive easements in gross on, over or across the land within areas which are presently used by the public or adjoining landowners as common streets, passage ways, driveways, entrance ways or access ways, together with the right to enter upon the land (without unreasonably interfering with grantee's reasonable use and enjoyment thereof) in order to service, maintain, repair, reconstruct, relocate or replace any of such streets or ways; provided, no adjoining landowner shall have any obligation to service, maintain, repair, reconstruct, relocate or replace such streets or ways or to pay the cost thereof unless specifically agreed to in writing by such landowner Recording Date: November 20, 1992 _R_e_co_r_d_in_g~N_o_: ______ ~9_2_-8~0~2~1~8~2_of Official Records Affects: Said land more particularly described therein 21. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Haikooi Aghatanian Recording Date: October 29, 1993 ~R=e=co=-r~d~i n~g~N=o~: ---------=-9-=3--0=-7'-4~1=-4-'-'5=-=8 , of Officia I Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 22. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee : Buck's Clock Shoppe, a California Corporation Recording Date: October 29, 1993 ~R=e=co=-r~d~in~g~N=o~: ---------=-9-=3--0=-7,_4-'-'1=-4_,_,Sc..:..9 , of Officia I Records CLTA Preliminary Report Form -Modified (11-17-06) Page 7 PA2019-180 File No: 619695176 The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 23. An unrecorded lease with certa i n terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee : A'Maree 's, Inc., a Californ i a Corporation Recording Date : October 29, 1993 '--'R=e-=-co=r-=d""'in"'"'ga....c.cN=o-'-: ______ ......-=c9-=-3--0=-7'-4"'""'1=-4'--'6=0 , of Official Records The present ownersh i p of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 24. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Less ee : Exclusifurs II, Ltd., a Delaware Corporation Recording Date: October 29, 1993 '"""'R-=-e-=-co=-r-=d=in~g~N=o-'-: ------~9-=-3--0=-7'-4-'--'l=-4'--'6=1 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 25. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Harte Brownlee & Associates Recording Date : October 29, 1993 '"""'R=e-=-co=-r-=d""'in~ga....c.cN=o-'-: ------~9-=-3--0=-7'-4"'""'1=-4'--'6=2 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 26. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non -Disturbance Agreement Lessee: Church of St. Matthew by the Sea, a Corporation Recording Date: October 29, 1993 "'""'R=e-=-co=r-=d""in-'-'ga....c.cN=o-'-: ------~9-=-3--0=-7'-4~1=-4'--'6=3 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. CLTA Preliminary Report Form -Modified (11-17-06) Page 8 PA2019-180 File No: 619695176 27. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Joann J. King, a California Corporation Recording Date: October 29, 1993 -'-'R=e=-co""'r-=d""'i n-'-g"--'-'N=o-'-: ______ _..:c.9-=-3--0""'7'-4-'--'1=--4"'"'6"---'-4 , of Officia I Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 28. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Atlantic-Pacific Pizza Bakery, Inc. Recording Date: October 29, 1993 ~R=e=co~r-=d=in-'-g~N=o-'-: ---------=-9-=-3--0~7'-4-'-1=--4-'-6~5 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 29. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Westcliff Flooring, a California Corporation Recording Date: October 29, 1993 -'-'R=e=co~r-=d~in-'-g~N=o-'-: ---------=-9-=-3--0~7'-4-'-1=--4-'-'6=6 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects : The herein described Land and other land. 30. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Paul Taddeo Recording Date : October 29, 1993 -'-'R=e=-co~r-=d'""in-'-g~N=o-'-: ---------=-9-=-3--0~7'-4"'"'1=--4-'-'6~7 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. CLTA Preliminary Report Form -Modified (11-17-06) Page 9 PA2019-180 File No: 619695176 31. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Richard N. Dick dba Richard Dick & Associates, a sole proprietorship Recording Date: October 29, 1993 ~R~e~co~r~d~in~g~N~o~: ------~9~3--0~7_4~1~4~6~8 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects : The herein described Land and other land. 32. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Joseph M. Chupas dba Express Postal of Newport Recording Date: October 29, 1993 -'-'R=e-=-co=rc.=d=in'-'-'g"--'-'N=o'-'-: ______ ___:c9-=-3--0=-7'--4-'--'1=-4-'--'6=9 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 33. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Kay Howard, Becky Reed and Paul H. Reed Recording Date: October 29, 1993 _R~e~co~r_d_in_g~N_o_: _______ 9~3_-0_7_4_1_4_7_0 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 34. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: James A. Nasser, an individual Recording Date: October 29, 1993 _R~e~co_r~d_in_g~N_o_: _______ 9_3_-0_7_4_1_4_7_1 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. CLTA Preliminary Report Form -Modified (11-17-06) Page 10 PA2019-180 File No: 619695176 35. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Stanley M. Kingsberg and Carol H. Kingsberg Recording Date: October 29, 1993 ~R~e~co~r~d~in~g~N~o_: ------~9~3--0~7_4~1~4~7_2 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 36. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Janet & Stephen Fryer Recording Date: October 29, 1993 _R_e_co~r_d_in_g~N_o_: _______ 9_3_-0~7_4_1_4_7_3 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 37. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Cindy Mansfield, an individual Recording Date: October 29, 1993 ~R=e~co~r~d~in~g~N~o~: ______ ~9~3--0~7_4_1~4_7_4 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 38. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Cindy Mansfield, an individual Recording Date: October 29, 1993 ~R=e~co=r~d~in~g~N~o~: ______ ~9~3--0~7~4_1~4~7~5 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. CLTA Preliminary Report Form -Modified (11-17-06) Page 11 PA2019-180 File No: 619695176 39. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: James A. Nasser, an individual Recording Date: October 29, 1993 ~R~e~co~r~d~in~g~N~o~: ______ ~9~3--0~7_4~1_4~7~6 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 40. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Man Chui Kim and Young Joan H. Anderson Kim Recording Date: October 29, 1993 ~R~e~co~r~d~in_g~N~o_: ------~9~3--0~7_4_1_4_7_7 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the in t erest of th e l ess ee are not sh ow n he r ein. Affects: The herein described Land and other land. 41. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Tricia Kerrigan Interior Design Inc., a California Corporation Recording Date: October 29, 1993 ~R=e~co=r~d=in~g~N=o~: ------~9~3--0~7~4~1~4~7~8 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 42. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Attornment and Non-Disturbance Agreement Lessee: Charles H. Barr Jewelers Recording Date: November 1, 1993 ~R~e~co~r~d~in~g~N~o_: ------~9~3_-0_7_4_6_5~8_4 , of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 43. A financing statement as follows: Debtor: David Rickey Sport "Lifestyle Outfitters", Inc. Secured Party: Wells Fargo Bank N.A. Business Lending Division Recording Date: February 2, 2001 ~R=e~co=r~d~in~g~N=o~: ------~2~0~0~1~0~0~6=2=16~8~of Official Records CLTA Preliminary Report Form -Modified (11-17-06) Page 12 PA2019-180 File No: 619695176 Affects: The herein described Land and other land . A change to the above financing statement was filed Nature of Change: Continuation Recording Date: August 31, 2005 _R~e~co~r~d~in~g~N~o~: ------~2~0~0-=-5-=-0-=-00-=-6~8~6~0~4~9 of Official Records A change to the above financing statement was filed Nature of Change: Continuation Recording Date: August 26, 2015 "--R=e-=-co=-r'-'d'""in'"'"g"-'-N'"""oc.c: ______ --=2=0-=1=5-"0-"0-"0....:.4....:.4 =-3=66=7'-of Officia I Records 44. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled: Subordination, Non-Disturbance and Attornment Agreement Lessor: Westcliff Court Limited Partnership, a California Limited Partnership Lessee: James Perse Enterprises, Inc. Recording Date: August 24, 2012 "--R=e-=-co=-r~d~i n~g~N'-=o~: --------=2~0-=1-=2-=-0-=-0-=-0~49=--=-19=-0=-5~of Officia I Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. Affects: The herein described Land and other land. 45. The search did not disclose any open mortgages or deeds of trust of record, therefore the Company reserves the right to require further evidence to confirm that the property is unencumbered, and further reserves the right to make additional requirements or add additional items or exceptions upon receipt of the requested evidence. 46. Matters which may be disclosed by an inspect ion and/or by a correct ALTNACSM Land Title Survey of said Land that is satisfactory to the Company, and/or by inquiry of the parties in possession thereof. 47. Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the public records. The Company will require, for review, a full and complete copy of any unrecorded agreement, contract, license and/or lease, together with all supplements, assignments and amendments thereto, before issuing any policy of title insurance without excepting this item from coverage. The Company reserves the right to except additional items and/or make additional requirements after reviewing said documents. 48. Any easements not disclosed by the public records as to matters affecting title to real property, whether or not said easements are visible and apparent. 49. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other matters which a correct survey would disclose and which are not shown by the public records. END OF SCHEDULE B EXCEPTIONS PLEASE REFER TO THE "NOTES AND REQUIREMENTS SECTION" WHICH FOLLOWS FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION CLTA Preliminary Report Form -Modified (11-17-06) Page 13 PA2019-180 File No: 619695176 REQUIREMENTS SECTION: Req. No. 1: In order to complete this report, the Company requires a Statement of Information to be completed by the following party(s), Party(s): All parties The Company reserves the right to add additional items or make further requirements after review of the requested Statement of Information. NOTE: The Statement of Information is necessary to complete the search and examination of title under this order. Any title search includes matters that are indexed by name only, and having a completed Statement of Information assists the Company in the elimination of certain matters which appear to involve the parties but in fact affect another party with the same or similar name. Be assured that the Statement of Information is essential and will be kept strictly confidential to this file. Req. No. 2: The Company will require the following documents for review prior to the issuance of any title insurance predicated upon a conveyance or encumbrance from the limited partnership named below: Name: Westcliff Court Limited Partnership , a) A complete copy of the limited partnership agreement and all amendments thereto. b) Satisfactory evidence that the partnership was validly formed; and is in good standing. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. CLTA Preliminary Report Form -Modified (11-17-06) Page 14 PA2019-180 File No: 619695176 INFORMATIONAL NOTES SECTION Note No. 1: The information on the attached plat is provided for your convenience as a guide to the general location of the subject property. The accuracy of this plat is not guaranteed, nor is it a part of any policy, report or guarantee to which it may be attached. Note No. 2: California insurance code section 12413.1 regulates the disbursement of escrow and sub-escrow funds by title companies. The law requires that funds be deposited in the title company escrow account and available for withdrawal prior to disbursement. Funds deposited with the company by wire transfer may be disbursed upon receipt. Funds deposited with the company via cashier's check or teller's check drawn on a California based bank may be disbursed on the next business day after the day of deposit. If funds are deposited with the company by other methods, recording and/or disbursement may be delayed. All escrow and sub-escrow funds received by the company 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 company may receive certain direct or indirect benefits from the financial institution by reason of the deposit of such funds or the maintenance of such accounts with such financial institution, and the company shall have no obligation to account to the depositing party in any manner for the value of, or to pay to such party, any benefit received by the company. Those benefits may include, without limitation, credits allowed by such financial institution on loans to the company or its parent company and earnings on investments made with the proceeds of such loans, accounting, reporting and other services and products of such financial institution. Such benefits shall be deemed additional compensation of the company for its services in connection with the escrow or sub-escrow. For wiring Instructions please contact your Title Officer or Title Company Escrow officer. Note No. 3: Lawyers Title is a division of Commonwealth Land Title Insurance Company. The insurer in policies of title insurance, when issued in this transaction, will be Commonwealth Land Title Insurance Company. Note No. 4: Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. Note No. 5: Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTI) Affidavit may be required to be completed and submitted with each document when DTI is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DDT Affidavits may be available at a Tax Assessor-County Clerk-Recorder. Note No. 6: Due to the special requirements of SB 50 (California Public Resources Code Section 8560 et seq.), any transaction that includes the conveyance of title by an agency of the United States must be approved in advance by the Company's State Counsel, Regional Counsel, or one of their designees. Note No. 7: None of the items shown in this report will cause the Company to decline to attach CLTA Endorsement Form 100 to an ALTA Loan Policy, when issued. Note No. 8: The following information will be included in the CLTA Form 116 or ALTA Form 22-06 Endorsement to be issued pursuant to this order: There is located on said Land: commercial/industrial property Known as: 1719 Westcliff Drive, City of Newport Beach, California Note No. 9: There are no conveyances affecting said Land recorded within 24 months of the date of this report. CLTA Preliminary Report Form -Modified (11-17-06) Page 15 PA2019-180 File No: 619695176 Note No. 10: The Company requires current beneficiary demands prior to closing. If the demand is expired and a current demand cannot be obtained, our requirements will be as follows: a) If the Company accepts a verbal update on the demand, we may hold an amount equal to one monthly mortgage payment. This hold will be in addition to the verbal hold the lender may have stipulated. b) If the Company cannot obtain a verbal update on the demand, we will either pay off the expired demand or wait for the amended demand, at our discretion. c) All payoff figures are verified at closing. If the customer's last payment was made within 15 days of closing, our Payoff Department may hold one month's payment to insure the check has cleared the bank (unless a copy of the cancelled check is provided, in which case there will be no hold). Note No. 11: Property taxes, including any personal property taxes and any assessments collected with taxes, are paid. For proration purposes the amounts were: Processor: sic Tax Ide ntification No .: Fiscal Year: 1st Installment: 2nd Installment: Exemption: Code Area: Date Typed: September 19, 2019 117-631-23 2018-2019 $25,996.05 $25,996.05 $-0- 07-045 Cl TA Preliminary Report Form -Modified ( 11-17-06) Page 16 PA2019-180 Attachment One (Revised 05-06-16) CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY-1990 EXCLUSIONS FROM COVERAGE File No: 619695176 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. PA2019-180 File No: 619695176 EXCEPTIONS FROM COVERAGE· SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6. Any lien or right to a lien for services, labor or material not shown by the public records. CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) ALT A HOMEOWNER'S POLICY OF TITLE INSURANCE EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c. that result in no loss to You; or d. that first occur after the Policy Date -this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: CLTA Preliminary Report Form -Modified (11-17-06) Page 18 PA2019-180 File No: 619695176 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 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) 1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) 1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) 2006 ALT A LOAN POLICY (06-17 -06) EXCLUSIONS FROM COVERAGE Our Maximum Dollar Lim it of Liability $10,000.00 $25,000.00 $25,000.00 $5,000.00 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; CLTA Preliminary Report Form -Modified (11-17-06) Page 19 PA2019-180 File No: 619695176 (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14 ); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. 6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or {b} a preferential transfer for any reason not stated in Covered Risk 13{b} of this policy. 7. Any lien on the Title for real estate taxes or assessments imposed by 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,[ t[or T]his policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [PARTI [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. ] PARTII CLTA Preliminary Report Form -Modified (11-17-06) Page 20 PA2019-180 File No: 619695176 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 that arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer; or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: CLTA Preliminary Report Form -Modified (11-17-06) Page 21 PA2019-180 File No: 619695176 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. J 7. [Variable exceptions such as taxes, easements, CC&R's, etc. shown here.] AL TA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY -ASSESSMENTS PRIORITY (04-02-15) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection; or the effect of any violation of these laws, ordinances, or 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. CLTA Preliminary Report Form -Modified (11-17-06) Page 22 PA2019-180 File No: 619695176 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. CL TA Preliminary Report Form -Modified ( 11-17-06) Page 23 PA2019-180 ~ La~ers Title· File No: 619695176 Lawyers Title Company 3480 Vine Street Suite 300 Riverside, CA 92507 Phone: (951) 774-0825 Fax: ( ) Order No. 619695176 Notice of Available Discounts Pursuant to Section 2355.3 in Title 10 of the California Code of Regulations Fidelity National Financial, Inc. and its subsidiaries ("FNF") must deliver a notice of each discount available under our current rate filing along with the delivery of escrow instructions, a preliminary report or commitment. Please be aware that the provision of this notice does not constitute a waiver of the consumer's right to be charged the filed rate. As such, your transaction may not qualify for the below discounts. You are encouraged to discuss the applicability of one or more of the below discounts with a Company representative. These discounts are generally described below; consult the rate manual for a full description of the terms, conditions and requirements for such discount. These discounts only apply to transactions involving services rendered by the FNF Family of Companies . T his notice only applies to transactions involving property improved with a one-to-four family residential dwelling. FNF Underwritten Title Company LTC -Lawyers Title Company Available Discounts DISASTER LOANS (CL TIC) FNF Underwriter CL TIC -Commonwealth Land Title Insurance Co. The charge for a Lende r's Pol icy (Standard or Extended coverage) covering the financing or refinancing by an owner of record, within 24 months of the date of a declaration of a disaster area by the government of the United States or the State of Cal ifornia on any land located in said area, which was partially or totally destroyed in the disaste r, w i ll be 50% of the appropriate title insurance rate. EMPLOYEE RATE (LTC and CLTIC) No charge shall be made to employees (i ncluding employees on approved retirement) of the Company or its underwritten, subsidiary or affiliated title companies for policies or escrow serv ices in connect ion with financing, refinancing, sale or purchase of the employees' bona fide home property. Waiver of such charges is authorized only in connection with those costs which the employee would be obligated to pay, by established custom , as a party to the transaction. Notice of Available Discount Mod. 10/2 1/2 011 PA2019-180 Wire Fraud Alert This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non-exclusive self-protection strategies are recommended to minimize exposure to possible wire fraud. • NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. • ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the phone number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. • USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. • USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature. For more information on wire-fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation: Internet Crime Complaint Center: http://www.fbi.gov http://www.ic3.gov PA2019-180 FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF," "our," or "we") respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use, and protect personal information, when and to whom we disclose such information, and the choices you have about the use and disclosure of that information. Types of Information Collected We may collect two types of information from you: Personal Information and Browsing Information. Personal Information. FNF may collect the following categories of Personal Information: • contact information (e.g., name, address, phone number, email address); • demographic information (e.g., date of birth, gender, marital status); • identity information (e.g. Social Security Number, driver's license, passport, or other government ID number); • financial account information (e.g. loan or bank account information); and • other personal information necessary to provide products or services to you. Browsjng Information. FNF may automatically collect the following types of Browsing Information when you access an FNF website, online service, or application (each an "FNF Website") from your Internet browser, computer, and/or mobile device: • Internet Protocol (IP) address and operating system; • browser version, language, and type; • domain name system requests; and • browsing history on the FNF Website, such as date and time of your visit to the FNF Website and visits to the pages within the FNF Website. How Personal Information is Collected We may collect Personal Information about you from: • information we receive from you on applications or other forms; • information about your transactions with FNF, our affiliates, or others; and • information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities or through others. How Browsing Information is Collected If you visit or use an FNF Website, Browsing Information may be collected during your visit. Like most websites, our servers automatically log each visitor to the FNF Website and may collect the Browsing Information described above. We use Browsing Information for system administration, troubleshooting, fraud investigation, and to improve our websites. Browsing Information generally does not reveal anything personal about you, though if you have created a user account for an FNF Website and are logged into that account, the FNF Website may be able to link certain browsing activity to your user account. Other Online Specifics Cookies. When you visit an FNF Website, a "cookie" may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer's hard drive. Information gathered using cookies helps us improve your user experience. For example, a cookie can help the website load properly or can customize the display page based on your browser type and user preferences. You can choose whether or not to accept cookies by changing your Internet browser settings. Be aware that doing so may impair or limit some functionality of the FNF Website. Web Beacons. We use web beacons to determine when and how many times a page has been viewed. This information is used to improve our websites. Do Not Track. Currently our FNF Websites do not respond to "Do Not Track" features enabled through your browser. Revised May 1, 2018 Copyright© 2018. Fidelity National Financial, Inc. All Rights Reserved PA2019-180 Links to Other Sites. FNF Websites may contain links to other websites. FNF is not responsible for the privacy practices or the content of any of those other websites. We advise you to read the privacy policy of every website you visit. Use of Personal Information FNF uses Personal Information for three main purposes: • To provide products and services to you or in connection with a transaction involving you. • To improve our products and services. • To communicate with you about our, our affiliates', and third parties' products and services, jointly or independently. When Information Is Disclosed We may make disclosures of your Personal Information and Browsing Information in the following circumstances: • to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; • to nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to use the information only to provide such services or functions; • to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to jointly market financial products or services to you; • to law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order; or • in the good-faith belief that such disclosure is necessary to comply with legal process or applicable laws, or to protect the rights, property, or safety of FNF, its customers, or the public. The law does not require your prior authorization and does not allow you to restrict the disclosures described above. Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such disclosure. We do not otherwise share your Personal Information or Browsing Information with nonaffiliated third parties, except as required or permitted by law. We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. Please see "Choices With Your Information" to learn the disclosures you can restrict. Security of Your Information We maintain physical, electronic, and procedural safeguards to guard your Personal Information. We limit access to nonpublic personal information about you to employees who need to know that information to do their job. When we provide Personal Information to others as discussed in this Privacy Notice, we expect that they process such information in compliance with our Privacy Notice and in compliance with applicable privacy laws. Choices With Your Information If you do not want FNF to share your information with our affiliates to directly market to you, you may send an "opt out" request by email, phone, or physical mail as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you. Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or products to you. For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. Revised May 1, 2018 Copyright© 2018. Fidelity National Financial, Inc. All Rights Reserved PA2019-180 For Neyada Residents: You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: BCPINFO@ag.state.nv.us. For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Information From Children The FNF Websites are meant for adults and are not intended or designed to attract persons under the age of eighteen (18).We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian. International Users FNF's headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence for any of the purposes described in this Privacy Notice. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection, transfer, and use of such information in accordance with this Privacy Notice. FNF Website Services for Mortgage Loans Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the "Service Websites"). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender's privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender's privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except (1) as required or authorized by contract with the mortgage loan servicer or lender, or (2) as required by law or in the good-faith belief that such disclosure is necessary to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. Your Consent To This Privacy Notice; Notice Changes By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The revised Privacy Notice, showing the new revision date, will be posted on the FNF Website. Each time you provide information to us following any amendment of this Privacy Notice, your provision of information to us will signify your assent to and acceptance of the terms of the revised Privacy Notice for all previously collected information and information collected from you in the future. We may use comments, information or feedback that you submit to us in any manner that we may choose without notice or compensation to you. Accessing and Correcting Information; Contact Us If you have questions, would like to access or correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, send your requests via email to privacy@fnf.com, by phone to (888) 934-3354, or by mail to: Revised May 1, 2018 Fidelity National Financial, Inc. 601 Riverside Avenue, Jacksonville, Florida 32204 Attn: Chief Privacy Officer Copyright© 2018. Fidelity National Financial, Inc. All Rights Reserved PA2019-180 ..... -·~ 0 ,- ;::: ·~ ~~ ~~! VI .... ls ~~~ ~s~ -< V t -'q -,~ ,111IUO ~ @:ii I .. I .,., ~'), 1 I --. l , I'! t' ~~ "''J"f,j'!J"MIIQI!(! ... ~ "-' ij "' ' ' ... ~9 " ~ :)! ' ii llj ~ ®, ., l(1 ~ ~ ,. ..... ~~ ,,, .. rol ,• ~~ ?j t' QNP--Ur<il ----~--;,,~~-----. .. i . .., .~.~ " \D 0 . II'\ ~ "' .. <l. ' ~ ~ ~ I.; (.> ~ "t .. ~ ~ ill ,,..tN :11; . .,. ...L rr-~~, 9~ hf hi ~ • p1 pT,.u 4 fioli,o '""' · · 14 d ~sin ~1:1 n IO ·oog 11,e here.ii~::, >IKf I.am ln~ ,u i;,n to ;;dJo, ng ~f<eeHi oal\,ql ouiJ rT<fo r!ff ,rn<1 ulfio1' la <!. aM ts not su"'e y or IM> I no deplC't~d Excepi to ti 1!'.<l~ a poicy or Ille lruuraoce ts exp<E,3Sl y modl11e-:l ll1 e1ld01s emenl II y tt>a CO<ri:,anv cloos not ~-i-su re <1m11m sY.>ns dlMaTICH , loca,lofl fX ea,erne11 . acreago or otrer m~t1 e~ ~h™ tnereor, ...... ~ .... ·-......... ,., ....... _ .,., .... -..... .