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Home My WebLink About20201113_ApplicationCommunity 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 - D Waiver for De Minimis Development D Seasonal D < 90 day 0 >90 days D Coastal Residential Development D Modification Permit ~ 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 D Minor D Lot Line Adjustment ~ Parcel Map 2. Project Address(es)/Assessor's Parcel No(s) 714 Iris Ave. orona Del ar, 92625. APN 459-043-04 Lot 16 Block 736 (I 100 Civic Center Drive Newport Beach, California 92660 949 644-3200 newportbeachca.gov/communitydevelopment D Staff Approval D Tract Map D Traffic Study D Use Permit -□Minor □Conditional D Amendment to existing Use Permit D Variance □ Amendment -□Code □PC □GP □LCP D Other: 3. Project Description and Justification (Attach additional sheets if necessary): New Construction Duplex with approved Building Permit X2019-4123 ISONIL, Inc. dba SONIL Construction I 4. Applicant!Compa~n~y_N_a_m_e.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.::::.=.------;::.-=..-=..-=--=--=--=----_-_---::::,· 1 :3334 E. Coast Hwy. #435 1435 I Mailing Address Suite/Unit ';::::====:::::::. City ,_,c_o-;::ro=n=a=D=e=l=M=a=r=======,-----;:::=====_____:S~tate ,_, c_a_li-;:::fo=rn=i=a=====-l ~z~i~P:...:I=92=6=2=5====='.I I (714 )943-1392 I I _ j michael@soni.com Phone ~---------~ Fax ~------~-Email ~--------------- Michael Linos, SONIL, Inc. dba SONIL Construction 5. Contact/Companyf-...:.:.N:..::a:.:.:m..:.:e::..===================i-------;::======i' 1 3334 E. Coast Hwy. #435 1435 Mailing Address Suite/Unit ';::..:=.:=.-=-=======: City '-lc_o-;:::ro=n=a=D=e=l=M=a=r======;----;:::::=====_____:S~tate !California I Zip 192625 1 (714)943-1392 I . lmichael@soni.com Phone '----------~ Fax . Email ,___ _____________ __, ' Michael and Julie Linos 6. Owner Name ,___--;:::=====================.-------;::======: 1 3334 E. Coast Hwy. #435 1435 Mailing Address Suite/Unit ~====::::::, City ,_,c_o-;::ro=n=a=D=e=l=M=a=r =======,---;:::::=====_____:S~tate ,_,c_a_lif-;::::o=rn=ia========.:::::-.='_l _z_iP,___'-19.:::::-2.:::::-6_2 __ s __ -_-_-_-_-_-_-_~ 1 (714)943-1 392 I I lmichael@soni.com Phone '----------~ Fax . Email '--------------------' ' Michael and Julie Linos 7. Property Owner's Affidavit*: (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 i all respects true and correct to the best of (my) (our) knowledge and belief. ~ 'Owner: Michael Linos I 105/11/2020 Signature(s): --------+--------Title: '-----------~-Date: '-------~ DD/MO/YEAR ' Owner: Julie Linos I 105/11/2020 Signature(s): ____ .___...,__ _________ Title: '-----------~-Date: '-------~ *May be signed by application. Please e less e or by an authorized agent if written authorization from the owner of record is filed concurrently with the te, th owner(s)' signature for Parcel/Tract Map and Lot Line Adjustment Application must be notarized. F:IUsers\CDDIShared\Admin\Plannino Division\Aoolications\Aoolication Guidelines\Plannino Permit Aoolication -CDP added.docx Rev: 01124117 PA2020-329 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: ________________________________________________________________________________________ □ □ □ □ □ □ □ □ PA2020-329 ACKNOWLEDGMENT 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, accuracy, or validity of that document. State of Califo~ ia 11 County of ((A ni \::'.J } ss. f\ . /)I C Vl!A var On i\l O O , 20-2-£) before me, vCl0 Iv (/\ , Notary Public, personally appeared m I Gh fA, ~, It i n () .§ ' who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENAL TY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. ~,,g~ Signature ACKNOWLEDGMENT 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, accuracy, or validity of that document. State of California (seal) DANIELA CHAVEZ ~ COMM ... 2300791 n NOTARY PUBLIC-CALIFORNIA -i ORANGE COUNTY W My Term Exp. August 9, 2023 J g~untyoNO~-~~~ , }2~U) before me, Dani~I{/\_ (Aii(Av~ Notary Public, personally appeared 1) \ J l \ -e._ k \ V)Q cS , proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signatures(s) on the instrument the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument. I certify under PENAL TY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS my hand and official seal. ~~ Signature (seal) DANIELA CHAVEZ ~ COMM ... 2300791 o NOTARY PUBLIC-CALIFORNIA -i ORANGE COUNTY W My Term Exp. August 9, 2023 J PA2020-329 714 Iris – Accompanying Written Statement a. What is the existing use of the property? Currently this R2 zoned lot is under construction for an approved 2 Unit Duplex. b. What improvements and public utilities are proposed? New sewer, water, electric, cable TV and phone connections to both units of the Duplex. c. What is the provision for sewage and sewage disposal? Both Duplex units have their own connection to the public sewer system per the building permit. d. What if any public areas are proposed? None e. What if any tree planting(s) is proposed? None f. If any, briefly list and attach any restrictive covenants proposed. None PA2020-329 &ŝůĞη͗ϰϮϬͲϮϭϴϵϮϰϲͲϭϮ dŝƚůĞKĨĨŝĐĞƌ;ƐͿ͗DĂŶŶǇDĂŶƵĞů dŝƚůĞKĨĨŝĐĞƌ WŚ͗ϵϰϵͲϱϴϮͲϴϳϬϵ ŵĂŝů͗ ŵĂŶŶǇŵΛĐĂůƚŝƚůĞ͘ĐŽŵ WƌŽƉĞƌƚǇĚĚƌĞƐƐ͗ϳϭϰ/ƌŝƐǀĞŶƵĞ͕EĞǁƉŽƌƚĞĂĐŚ͕ϵϮϲϮϱ WEŽ͗͘ϰϱϵͲϬϰϯͲϬϰ ĂƚĞŽĨWƌĞůŝŵ͗KĐƚŽďĞƌϮϴ͕ϮϬϮϬ WƌĞůŝŵsĞƐƚŝŶŐ͗DŝĐŚĂĞů&ŽƌƌĞƐƚ>ŝŶŽƐĂŶĚ:ƵůŝĞDĂƐƐĞǇ>ŝŶŽƐ͕ŚƵƐďĂŶĚĂŶĚǁŝĨĞĂƐũŽŝŶƚƚĞŶĂŶƚƐ KŶďĞŚĂůĨŽĨĂůŝĨŽƌŶŝĂdŝƚůĞŽŵƉĂŶǇ͕ǁĞǁĂŶƚƚŽƚŚĂŶŬǇŽƵĨŽƌǇŽƵƌďƵƐŝŶĞƐƐ͘ dŽƉƌŽǀŝĚĞŽƵƌĐƵƐƚŽŵĞƌƐǁŝƚŚƚŚĞŚŝŐŚĞƐƚůĞǀĞůŽĨƐĞƌǀŝĐĞƉŽƐƐŝďůĞ͕ǁĞǁŽƵůĚůŝŬĞƚŽĂƐƐŝƐƚŝŶƚŚĞ ƌĞǀŝĞǁŽĨǇŽƵƌƌĞƉŽƌƚ͘WůĞĂƐĞĐŽŶƚĂĐƚǇŽƵƌdŝƚůĞKĨĨŝĐĞƌŽƌdŝƚůĞZĞƉƚŽƌĞǀŝĞǁƚŚĞĐŽŵŵŽŶŝƚĞŵƐŽĨ ŝŵƉŽƌƚĂŶĐĞŚŝŐŚůŝŐŚƚĞĚŝŶ^ĐŚĞĚƵůĞŽĨƚŚŝƐƌĞƉŽƌƚ͕ǁŚŝĐŚŵĂǇŽƌŵĂǇŶŽƚŝŵƉĂĐƚǇŽƵƌƉƌŽƉĞƌƚǇ ŝŶĐůƵĚŝŶŐ͕ďƵƚŶŽƚůŝŵŝƚĞĚƚŽ͗ WƌŽƉĞƌƚǇdĂǆĞƐ ΘZ͛Ɛ ĂƐĞŵĞŶƚƐ ĞĞĚƐŽĨdƌƵƐƚ >ŝĞŶƐ͕:ƵĚŐĞŵĞŶƚƐ ^ŽůĂƌ^ĞƌǀŝĐĞEŽƚŝĐĞƐ dŚĂŶŬǇŽƵĨŽƌĐŚŽŽƐŝŶŐĂůŝĨŽƌŶŝĂdŝƚůĞŽŵƉĂŶǇ ZĞĨĞƌĞŶĐĞƐŚŽƵůĚďĞŵĂĚĞƚŽƚŚĞƚŝƚůĞƌĞƉŽƌƚĨŽƌĂůůƋƵĞƐƚŝŽŶƐĐŽŶĐĞƌŶŝŶŐƚŚĞƐƚĂƚƵƐŽĨƚŚĞƚŝƚůĞƐƵďũĞĐƚƉƌŽƉĞƌƚǇ͘ ĂůŝĨŽƌŶŝĂdŝƚůĞŽŵƉĂŶǇĂĐĐĞƉƚƐŶŽůŝĂďŝůŝƚǇĨŽƌƚŚĞŝŶĨŽƌŵĂƚŝŽŶĐŽŶƚĂŝŶĞĚŚĞƌĞŝŶ͘ >ŽƐŶŐĞůĞƐ͘ϭϬϬEŽƌƚŚ&ŝƌƐƚ^ƚƌĞĞƚ͕ηϰϬϰƵƌďĂŶŬϵϭϱϬϮ͘ϴϭϴͲϯϴϮͲϵϴϴϵ KƌĂŶŐĞŽƵŶƚǇ͘ϮϴϮϬϮĂďŽƚZŽĂĚ͕ηϲϮϱ>ĂŐƵŶĂEŝŐƵĞůϵϮϲϳϳ͘ϵϰϵͲϱϴϮͲϴϳϬϵ ^ĂŶŝĞŐŽ͘ϮϯϲϱEŽƌƚŚƐŝĚĞƌŝǀĞ͕ηϮϱϬ^ĂŶŝĞŐŽϵϮϭϬϴ͘ϲϭϵͲϱϭϲͲϱϮϮϳ ~ California title company PA2020-329 Order No. 420-2189246-12 Page 1 @ExtractStart@ California Title Company 28202 Cabot Road, Suite 625Laguna Niguel, CA 92677949-582-8709 PRELIMINARY REPORT Michael Linos 714 Iris Avenue Corona del Mar, CA 92625 Attention:Michael Linos Your no.:prelim only Property address:714 Iris Avenue, Newport Beach, CA 92625 Order no.:420-2189246-12 Dated:November 7, 2020 In response to the above referenced application for a policy of title insurance, California Title Company hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referred to as an Exception below or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms. The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set forth in Exhibit B 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 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 Exhibit B. 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 B 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 the condition of title and may not list all liens, defects, and encumbrances affecting title to the land. This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested. Dated as of October 28, 2020 at 7:30 AM _____________________________________________________ Manny Manuel, Title Officer Ph: 949-582-8709 Email: mannym@caltitle.com Or Email: titleoc@caltitle.com PA2020-329 Order No. 420-2189246-12 Page 2 The form of policy of title insurance contemplated by this report is: See attached disclosure. Schedule ³A´ 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: Michael Forrest Linos and Julie Massey Linos, husband and wife as joint tenants The land referred to in this report is situated in the City of Newport Beach, the County of Orange, State of California, and is described as follows: Lot 16 in Block 736 of Corona Del Mar, in the City Newport Beach, County of Orange, State of California, as per Map recorded in Book 3 page(s) 41 and 42 of Miscellaneous Maps, in the office of the County Recorder of said County. Assessor's Parcel Numbers(s): 459-043-04 PA2020-329 Order No. 420-2189246-12 Page 3 Schedule ³B´ At the date hereof exceptions to coverage in addition to the printed exceptions and exclusions contained in said policy form would be as follows: 1 General and Special taxes for the fiscal year 2020-2021, including any assessments collected with current taxes. Total amount $15,100.12 1st installment $7,550.06, Open Penalty $755.00 (after 12/10/2020) 2nd installment $7,550.06, Open Penalty $778.00 (after 4/12/2021) Code area 07-001 - City of Newport Beach Parcel No.459-043-04 Exemption $0.00 2 The Lien of future supplemental taxes, if any, assessed pursuant to the provisions of section 75, et seq of the revenue and taxation code of the State of California 3 Covenants, conditions and restrictions in an instrument recorded 7/30/1928 in Book 181, Page(s) 362 Official Records, which provide that a violation thereof shall not defeat or render invalid the lien of any mortgage or Deed of Trust made in good faith and for value, but deleting any covenant, condition, or restriction, if any, indicating a preference, limitation, or discrimination based on race, color, religion, sex, gender, gender identify, gender expression, sexual orientation, familial status, marital status, disability, handicap, veteran or military status, genetic information, national origin, source of income as defined in subdivision (p) of Section 12955, or ancestry, to the extent that such covenants, conditions or restrictions violate applicable state or federal laws. 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. "NOTE: Section 12956.1 (b)(1) of California Government Code provide the following: if this document contains any restriction based on race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, familial status, marital status, disability, veteran or military status, genetic information, national origin, 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. 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." 4 An easement for purposes herein stated, and rights incidental thereto as provided in an instrument Recorded:4/3/1947 in Book 1517, Page(s) 59, of Official Records. For :erection, laying, and construction of a pipe or pipe lines to convey sewage, together with manholes and appurtenance with the right of going in, under and over the premier hereinafter described for the purpose of repairing maintenance, and replacement of said pipe lines, manholes and appurtenances and incidental purposes In favor of :City of Newport Beach, a Municipal Corporation Affects :The location of said easement is set forth therein. 5 An easement for purposes herein stated, and rights incidental thereto as provided in an instrument Recorded:5/28/2020 as Instrument No. 2020-240513, of Official Records. For :construction, reconstruction, relocation, maintenance and repair of sewer mains, facilities and appurtenances and incidental purposes In favor of :City of Newport Beach, a California Municipal Corporation Affects :The location of said easement is set forth therein. PA2020-329 Order No. 420-2189246-12 Page 4 6 A Deed of Trust to secure the indebtedness of Amount:$1,050,000.00 Trustor:Michael Forrest Linos and Julie Massey Linos, husband and wife as joint tenants Trustee:California Title Company Beneficiary:Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for SG Capital Partners of California, LLC dba Clearedge Lending ., a Delaware Limited Liability Company, and its successors and assigns. Dated:7/29/2019 Recorded:7/30/2019 as Instrument No. 2019-275907 of Official Records Said Deed of Trust contains a provision that the NOTE secured thereby provides for a variable interest rate and allows periodic adjustments in the rate of interest. 7 Rights of parties in possession of said land by reason of unrecorded leases, if any. Please forward said leases for our examination. 8 Prior to closing this transaction we require the attached "Owner's Affidavit" be completed and returned to this office. The completed "Owner's Affidavit" will have to be reviewed and approved by Underwriting prior to the issuance of any Title Policy. 9 The effect of documents, proceedings, liens, decrees or other matters which do not specifically describe said land, but which, if any do exist, may affect the title or impose liens or encumbrances thereon. The name search necessary to ascertain the existence of such matters has not been completed and will require a statement of information from all parties involved in this transaction. 10 Applicant has requested Orange Coast Title (The Company) to issue a preliminary report of the property described herein. Applicant is aware that Title Insurance may be available for the contemplated transaction, but may not request the company to issue or cause to be issued a policy therein. Applicant agrees that this report is issued for the exclusive use of applicant and that said preliminary report is issued pursuant to section 12340.11 of the insurance code of the State of California. By acceptance of this report, applicant understands and agrees that said report is not an abstract of title, nor are any of the rights, duties or responsibilities applicable to the preparation and issuance of an abstract of title applicable to the issuance of this report. This report shall not be construed as, nor constitute, a representation as to the condition of the title to real property, but shall contribute a statement terms and conditions upon which the issuer is willing to issue a title policy, if requested to do so. End of Schedule B PA2020-329 Order No. 420-2189246-12 Page 5 ³NOTES AND REQUIREMENTS SECTION´ CALIFORNIA TITLE COMPANY NOTE NO. 1 AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT NOTICE This is to give you notice that Orange Coast Title Company is a shareholder in California Title Company and Orange Coast Title Company owns an interest in Real Advantage Title Insurance Company. This underwriter may be chosen by California Title Company and this referral may provide Orange Coast Title Company a financial or other benefit. You are NOT required to use the listed provider as a condition for settlement of your loan or purchase, sale or refinance of the subject property and you have the opportunity to select any of the California Title Company title insurance underwriters for your transaction. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES Notes section continued on next page« PA2020-329 Order No. 420-2189246-12 Page 6 NOTE NO. 2 California Revenue and Taxation Code Section 18662, effective January 1, 1994 and by amendment effective January 1, 2003, provides that the buyer in all sales of California Real Estate may be required to withhold 3 and 1/3% of the total sales price as California State Income Tax, subject to the various provisions of the law as therein contained. NOTE NO. 3 PAYOFF INFORMATION: Note: this company does require current beneficiary demands prior to closing. If the demand is expired and a correct demand cannot be obtained, our requirements will be as follows: A.If this company accepts a verbal update on the demand, we may hold an amount equal to one monthly mortgage payment. The amount of this hold will be over and above the verbal hold the lender may have stipulated. B.If this company cannot obtain a verbal update on the demand, will either pay off the expired demand or wait for the amended demand, at the discretion of the escrow. C.In the event that a payoff is being made to a servicing agent for the beneficiary, this company will require a complete copy of the servicing agreement prior to close. NOTE NO. 4 If this company is requested to disburse funds in connection with this transaction, chapter 598, statutes of 1989 mandates hold periods for checks deposited to escrow or sub-escrow accounts. The mandatory hold is one business day after the day deposited. Other checks require a hold period from three to seven business days after the day deposited. Notice Regarding Your Deposit of Funds California Insurance Code Sections 12413 et. Seq. Regulates the disbursement of escrow and sub-escrow funds by title companies. The law requires that funds be deposited in the title company escrow and sub-escrow accounts and be 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 checks drawn on a California based bank may be disbursed the next business day after the day of deposit. If funds are deposited with by other methods, recording or disbursement may be delayed. All escrow and sub-escrow funds received by the Company will be deposited with other funds in one or more non-interest bearing escrow accounts of the Company in a financial institution selected by the Company. The Company and/or its parent 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 the 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 such party, any benefit received by the Company and/or its parent Company. Those benefits may include, without limitation, credits allowed by such financial institution on loans to the Company and/or its parent company and earnings on investments made on 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. Note No. 5: The premium for the requested title work shall be split between the agent and underwriter 90%-10%. PA2020-329 Order No. 420-2189246-12 Page 7 Attention Please note that this preliminary report now has an extra copy of the legal description on a separate sheet of paper. There are no markings on the page. The idea is to provide you with a legal description that can be attached to other documents as needed. That legal description page immediately follows this page. Thank you for your support of California Title Company. We hope that this makes your job a little easier. PA2020-329 Order No. 420-2189246-12 Page 8 Exhibit ³A´ Lot 16 in Block 736 of Corona Del Mar, in the City Newport Beach, County of Orange, State of California, as per Map recorded in Book 3 page(s) 41 and 42 of Miscellaneous Maps, in the office of the County Recorder of said County. PA2020-329 Order No. 420-2189246-12 Page 9 CLTA Preliminary Report Form ± Exhibit B (06-03-11) CLTA STANDARD COVERAGE POLICY ± 1990 EXCLUSIONS FROM COVERAGEThe 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 theland; (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 orwas 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, orencumbrance 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 thata 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 wouldbe 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 theCompany, 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 insuredunder 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 claimanthad 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 applicabledoing 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 truthin 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 IThis 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 resultin 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, 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 shownby the public records.6. Any lien or right to a lien for services, labor or material not shown by the public records. CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (02/03/10) EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from:1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a.building, b. zoning, c.land use d. improvements on the Land, e.land division; and ,f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.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 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 thecoverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors¶ rights laws. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner¶s Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A.The deductible amounts and maximum dollar limits shown on Schedule A are as follows:Your Deductible Amount Our Maximum Dollar Limit of LiabilityCovered Risk 16:1 % of Policy Amount shown in Schedule A or $ 2,500 (whichever is less)$ 10,000 Covered Risk 18:1 % of Policy Amount shown in Schedule A or $ 5,000 (whichever is less)$ 25,000 Covered Risk 19:1 % of Policy Amount shown in Schedule A or $ 5,000 (whichever is less)$ 25,000Covered Risk 21:1 % of Policy Amount shown in Schedule A or $ 2,500 (whichever is less)$ 5,000ALTA RESIDENTIAL TITLE INSURANCE POLICY (6-1-87) EXCLUSIONSIn addition to the Exceptions in Schedule B, you are not insured against loss, costs, attorneys' fees, and expenses resulting from:1. Governmental police power, and the existence or violation of any law or government regulation. This includes building and zoning ordinances and also laws and regulations concerning: * land use * improvements on the land * land division * environmental protection. This exclusion does not apply to violations or the enforcement of these matters which appear in the public records at Policy Date. This exclusion does not limit the zoning coverage described in Items 12 and 13 of Covered Title Risks. 2. The right to take the land by condemning it, unless: *a notice of exercising the right appears in the public records *on the Policy Date *the taking happened prior to the Policy Date and is binding on you if you bought the land without knowing of the taking 3. Title Risks: *that are created, allowed, or agreed to by you *that are known to you, but not to us, on the Policy Date -- unless they appeared in the public records *that result in no loss to you *that first affect your title afterthe Policy Date -- this does not limit the labor and material lien coverage in Item 8 of Covered Title Risks 4. Failure to pay value for your title.5. Lack of a right: *to any land outside the area specifically described and referred to in Item 3 of Schedule A OR *in streets, alleys, or waterways that touch your land. This exclusion does not limit the access coverage in Item 5 of Covered Title Risks. 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 5.2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.3. Defects, liens, encumbrances, adverse claims or other matters:(a)created, suffered, assumed or agreed to by the Insured Claimant; (b)not known to the Company, not recorded in the public records at Date of Policy, but known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14);or(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state 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 ortruth 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): EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) that arise by reason of:1.(a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2.Any facts, rights, interests or claims which are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land.3.Easements, liens or encumbrances, or claims thereof, not shown by the Public Records.4.Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the Public Records.6. Any lien or right to a lien for services, labor or material not shown by the public records. 2006 ALTA OWNER¶S POLICY (06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: PA2020-329 Order No. 420-2189246-12 Page 10 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 6.5LJKWVRIHPLQHQWGRPDLQ7KLV([FOXVLRQGRHVQRWPRGLI\RUOLPLWWKHFRYHUDJHSURYLGHGXQGHU&RYHUHG5LVN7 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 ordamage 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 PublicRecords that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage (and the Company will not pay costs, attorneys¶ fees or expenses) that arise by reason of: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agencythat 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 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. ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (07-26-10) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys fees or expenses which arise by reason of:1. (a) Any law, ordinance, permit, or governmental regulation (including but not limited 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 the 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 Risks 5, 6, 13(c), 13(d), 14, and 16.(b) Any governmental police power. This Exclusion 1(b)does not modify or limit the coverage provided under Covered Risks 5, 6, 13(c), 13(b), 14, and 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 ordamage 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 Risks 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 26);or (e)resulting in loss or damage which 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. 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 in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6.. 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. PA2020-329 Order No. 420-2189246-12 Page 11 California Title Company PRIVACY POLICY We Are Committed to Safeguarding Customer InformationIn order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand thatyou may be concerned about what we will do with such information ± particularly any personal or financial information. We agreethat you have a right to know how we will utilize the personal information that you provide to us. Therefore, we have adopted thisPrivacy Policy to govern the use and handling of your personal information. Applicability This Privacy Policy governs our use of the information which you provide to us. It does not govern the manner in which we may useinformation we have obtained from any other source, such as information obtained from a public record or from another person orentity. Types of Information Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include: x Information we receive from you on applications, forms and in other communications to us, whether in writing, inperson, by telephone or any other means. x Information we receive from providers of services to us, such as appraisers, appraisal management companies, real estateagents and brokers and insurance agencies (this may include the appraised value, purchase price and other details aboutthe property that is the subject of your transaction with us). x Information about your transactions with us, our Affiliated Companies, or others; and x Information we receive from a consumer reporting agency. Your California Rights (immediately following this Privacy Policy) or you may visit our website at https://www.titleadvantage.com/privacypolicy.htm or call toll-free at (866) 241-7373. Only applies to CA residents Use of InformationWe request information from you for our own legitimate business purposes and not for benefit of any nonaffiliated party. Therefore,we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you haverequested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after whichany customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts orcustomer analysis. Former Customers Even if you are no longer our customer, our Privacy Policy will continue to apply to you. Confidentiality and SecurityWe will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access tononpublic personal information about you to those individuals and entities who need to know that information to provide products orservices to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will behandled responsibly and in accordance with this Privacy Policy. We currently maintain physical, electronic, and procedural safeguardsthat comply with federal regulations to guard your nonpublic personal information. Other Important InformationWe reserve the right to modify or supplement this Privacy Policy at any time. If our Privacy Policy changes, we will provide the newPrivacy Policy before the new policy becomes effective. Last Revision 12/26/2019Effective on 1/01/2020 PA2020-329 Order No. 420-2189246-12 Page 12 Your California Rights If you are a California resident, you may have certain rights under California law, including but not limited to the California Consumer Privacy Act ("CCPA"). All phrases used herein shall have the same meaning as those phrases used under relevant California law, including but not limited to the CCPA. Right to Know You have the right to know: x The categories of personal information we have collected about or from you; x The categories of sources from which we collected your personal information; x The business or commercial purpose for collecting or sharing your personal information; x The categories of third parties with whom we have shared your personal information; and x The specific pieces of your personal information we have collected. Process to Submit a Request. To submit a verified request for this information you may visit our website at https://www.titleadvantage.com/privacypolicy.htm or call toll-free at (866) 241-7373. You may also designate an authorized agent to submit a request on your behalf by visiting our website https://www.titleadvantage.com/privacypolicy.htm or calling toll-free at (866) 241-7373 and then also submitting written proof of such authorization via e-mail to dataprivacy@octitle.com. Verification Method. In order to ensure your personal information is not disclosed to unauthorized parties, and to protect against fraud, we will verify your identity before responding to your request. To verify your identity, we will generally match the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information requested, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury. Right of Deletion You have a right to request that we delete the personal information we have collected from or about you. Process to Submit a Request. To submit a verified request to delete you information you may visit our website at https://www.titleadvantage.com/privacypolicy.htm or call toll-free at (866) 241-7373. You may also designate an authorized agent to submit a request on your behalf by clicking here or calling toll-free at (866) 241-7373 and then also submitting written proof of such authorization via e-mail to dataprivacy@octitle.com. Verification Method. In order to ensure we do not inadvertently delete your personal information based on a fraudulent request, we will verify your identity before we respond to your request. To verify your identity, we will generally match the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information requested to be deleted, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury. Right to Opt-Out We do not sell your personal information to third parties, and do not plan to do so in the future. Right of Non-Discrimination You have a right to exercise your rights under the CCPA without suffering discrimination. Accordingly, OC Title & family of Companies will not discriminate against you in any way if you choose to exercise your rights under the CCPA. California Minors ,I\RXDUHD&DOLIRUQLDUHVLGHQWXQGHUWKHDJHRI&DOLIRUQLD%XVLQHVVDQG3URIHVVLRQV&RGHSHUPLWV\RXWRUHTXHVWDQG obtain removal of content or information you have publicly posted on any of our Applications or Websites. To make such a request, please send an email with a detailed description of the specific content or information to dataprivacy@octitle.com. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and there may be circumstances in which the law does not require or allow removal even if requested. Collection Notice The following is a list of the categories of personal information we may have collected about California residents in the twelve months preceding the date this Privacy Notice was last updated, including the business or commercial purpose for said collection, the PA2020-329 Order No. 420-2189246-12 Page 13 categories of sources from which we may have collected the personal information, and the categories of third parties with whom we may have shared the personal information: Categories of Personal Information Collected The categories of personal information we have collected include, but may not be limited to: x real name x Signature x Alias x SSN x physical characteristics or description, including protected characteristics under federal or state law x address x telephone number x passport number x driver's license number x state identification card number x IP address x policy number x file number x employment history x bank account number x credit card number x debit card number x financial account numbers x commercial information x professional or employment information Categories of Sources Categories of sources from which we've collected personal information include, but may not be limited to: x the consumer directly x public records x governmental entities x non-affiliated third parties x affiliated third parties Business Purpose for Collection The business purposes for which we've collected personal information include, but may not be limited to: x completing a transaction for our Products x verifying eligibility for employment x facilitating employment x performing services on behalf of affiliated and non-affiliated third parties x protecting against malicious, deceptive, fraudulent, or illegal activity Categories of Third Parties Shared The categories of third parties with whom we've shared personal information include, but may not be limited to: x service providers x government entities x operating systems and platforms x non-affiliated third parties x affiliated third parties Sale Notice We have not sold the personal information of California residents to any third party in the twelve months preceding the date this Privacy Notice was last updated, and we have no plans to sell such information in the future. We also do not, and will not sell the personal information of minors under sixteen years of age without affirmative authorization. Disclosure Notice The following is a list of the categories of personal information of California residents we may have disclosed for a business purpose in the twelve months preceding the date this Privacy Notice was last updated. x real name x Signature x Alias x SSN x physical characteristics or description, including protected characteristics under federal or state law x telephone number x passport number x driver's license number x state identification card number x IP address x policy number x file number x bank account number x credit card number x debit card number x financial account numbers x commercial information x professional or employment information PA2020-329 Order No. 420-2189246-12 Page 14 x address x employment history If you have any questions and/or comments you may contact us: Call Us at our toll free number (866) 241-7373 Email Us at dataprivacy@octitle.com Mail: Orange Coast Title Attn: Privacy Officer 1551 N. Tustin Ave., Ste. 300 Santa Ana, CA 92705 Effective on 1/1/2019Revised on 12/23/2019 \actEnd@ PA2020-329 Order No. 420-2189246-12 Page 15 California Title Company 28202 Cabot Road, Suite 625 Laguna Niguel, CA 92677 OWNER¶S AFFIDAVIT State of California }S.S.Order No.: 420-2189246-12 County of ___________________ The undersigned, ________________________________________________________________________________, (owner¶s name) being first duly sworn, depose and say as follows: 1.That the undersigned is/are the owner(s) of certain real property situated in the City of Newport Beach, County of Orange and State of California, commonly known as 714 Iris Avenue and more particularly described in Schedule ³A´ attached hereto (the ³Property´): 2.That within the last ninety (90) days, including the date hereof, no person, firm or corporation has furnished any labor, services or materials in connection with the construction or repair of any buildings, fixtures or improvements on the Property, EXCEPT (if work has been performed or materials furnished within the last (90) days, please explain fully and state whether payment for the same has been made in full): _________________________________________________________. 3.That there are no present tenants, lessees or other parties in possession or who have a right to possession of said Property, EXCEPT: (if none, state ³None´) __________________________________________________________________________. 4.That the undersigned has/have no knowledge of any taxes or special assessments which are not shown as existing liens by the public records other than as follows: ________________________________________________________________________. 5.That the taxes for Installment ___ of fiscal year ______ are paid. Installment ___ of fiscal year ______ is not yet due. 6.That the undersigned has/have no knowledge of, nor has/have the undersigned created, any violations of any covenants, restrictions, agreements, conditions or zoning ordinances affecting the Property. 7.That Property is free of all liens, taxes, encumbrances and claims of every kind, nature and description whatsoever, except for the following mortgages or deeds of trust; _______________________________________________________________________ and except for real estate and personal property taxes for Installment ___ of fiscal year ______ and subsequent years. 8.That there are no mechanic¶s, materialmen¶s or laborer¶s liens against the above described Property, nor is any party entitled to assert any mechanic¶s, materialmen¶s or laborer¶s liens against the Property. 9.That there are no unrecorded leases or agreements affecting the Property, other than the Agreement of Sale between the undersigned and ____________________________________________ as purchasers of the Property dated _______________. 10.That there are no open, unexercised options to purchase or rights of first refusal to purchase the Property. 11.That no judgment or decree has been entered in any court of this State or the United States against the undersigned and which remain unsatisfied, EXCEPT ______________________________________________________________________________. 12.The undersigned further state(s) that he/she/they are each familiar with the nature of an oath; and with the penalties under the laws of the state for making false statements in any instruments of this nature. The undersigned further certify(ies) that they have read, this affidavit, or have had it read to them, and understand its context. 13.That I/WE have made this Affidavit for the purpose of inducing California Title Company to issue one or more policy(ies) of title insurance insuring interests in the Property, and that said title company is relying on the statements set forth in this Affidavit in issuing said policies, free and harmless from and against any and all actions, causes, of action, loss, cost, expense, or damages that may be brought against or suffered or incurred by California Title Company or its underwriters, in relying on the truth and accuracy of the statements contained herein.0 PA2020-329 Order No. 420-2189246-12 Page 16 By: Name: By: Name: 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, accuracy or validity of that document. State of California }S.S.County of _______________ On _______________________________, before me, ___________________________________________________________, personally appeared _______________________________________________________________________________________ _______________________________________________________________________________________________________ who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s) or the entity upon behalf of which the person(s) acted, executed this instrument. I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct. WITNESS MY HAND and OFFICIAL SEAL Signature: ____________________________ (Notary Seal) PA2020-329 Order No. 420-2189246-12 Page 17 Exhibit ³A´ Lot 16 in Block 736 of Corona Del Mar, in the City Newport Beach, County of Orange, State of California, as per Map recorded in Book 3 page(s) 41 and 42 of Miscellaneous Maps, in the office of the County Recorder of said County. PA2020-329 Order No. 420-2189246-12 Page 18 California Title Company 28202 Cabot Road, Suite 625 Laguna Niguel, CA 92677 949-582-8709 DECLARATION OF OCCUPANCY (Loan Transaction) The undersigned, _________________________________________________________________________, (owner¶s name) depose(s) and say(s) as follows: 1.The undersigned is/are the owner(s) of certain real property situated in the City of Newport Beach, County of Orange and State of California, commonly known as 714 Iris Avenue, herein referred to as ³Property´: 2.The undersigned is/are obtaining a loan from ________________________________________________ to be secured by a Deed of Trust against the Property, which is the subject of this transaction. 3.The undersigned currently occupy the Property as the undersigned¶s principal address, and intend to continue to occupy the same as the undersigned¶s principal residence following the close of this transaction. 4.The undersigned understand(s) that California Title Company is relying on this information in calculating the recording fees for all real estate instruments, papers, and notices recorded in connection with this transaction in accordance with &DOLIRUQLD*RYHUQPHQW&RGHD. 5.The undersigned agree(s) to indemnify and hold California Title Company harmless from and against, and to pay any additional recording fees and/or penalties arising out of, or in connection with, the inaccuracy of the information set forth herein. The undersigned declare(s) under penalty of perjury under the laws of the State of California that the foregoing is true and correct, and that this Declaration was executed on _____________, at ______________________, ___________. By:By: Name:Name:0 PA2020-329 Order No. 420-2189246-12 Page 19 STATEMENT OF FACTS CONFIDENTIAL INFORMATION FOR YOUR PROTECTION This statement is to be signed personally by each party to the transaction and by both husband and wife, or domestic partner before title insurance can be written. When filled in completely it will serve to establish identity, eliminate matters affecting persons of similar name, protect you against forgeries, and speed the completion of your transaction. MY FULL NAME (First, Middle, Last)______________________________________Date of Birth :__________________ Business Ph: _____________________ Home Ph: ____________________ Birthplace: __________________________ SS# _______________Driver¶s License No._____________ Expiration Date __________ State Issued______________ I have lived continuously in the USA since: ____________________________________________________________ Full name of spouse/domestic partner: (First, Middle, Last) - Spouse/domestic partner¶s Birthplace: __________________________________ Date of Birth: ______________________ Spouse/domestic partner¶s SS# _______________________ I have lived continuously in the USA since: ______________ We were married/legally joined on : _______________________________ at __________________________________ Spouse/domestic partner¶s maiden name: ________________________________________________________________ RESIDENCES & OCCUPATIONS DURING PAST 10 YEARS Street_____________________________________City_________________From___________to_________ Street_____________________________________City_________________From___________to_________ Street_____________________________________City_________________From___________to_________ OCCUPATIONS (Husband/Domestic partner) Firm Name: _______________________________________ Location: __________________ Firm Name: _______________________________________ Location: __________________ Firm Name: _______________________________________ Location: __________________ (Wife/Domestic partner) Firm Name: _______________________________________ Location: __________________ Firm Name: _______________________________________ Location: __________________ (If no former marriage/union, write ³none´ Otherwise complete the following) Any Former Name of former wife/domestic partner: __________________________________________________________________ Marriages Deceased: ____ Divorced: ____ Interlocutory: ____ Final: _____ When: __________ Where: ______________________ (check one item - Name of former husband/domestic partner: _______________________________________________________________ fill in date & place)Deceased: ____ Divorced: ____ Interlocutory: ____ Final: _____ When: __________ Where: ______________________ There are no leases, defects, encumbrances, adverse claims, or other matters affecting said property other than as Shown on the Preliminary Report prepared by: _____________________________________________________ Bearing the above referenced order number dated: __________________________________________________ There is no-one in possession or entitled to possession of said property other than the Vestee shown in said Preliminary Report except: _____________________________________________________________________ There is no work of improvement in progress and no such work has been completed within one year of this date: (Circle One) YES NO The Street address of the property in this transaction is:__________________________________________________________________________ Single Family Residence: ________ Multiple Residence: _________ Commercial: _________ Vacant Land: ________ Occupied By: Owner: ___________ Lessee: ___________________ Tenants: ____________ Is any portion of new loan funds to be used for construction? (circle one) YES NO The subject of this Statement of Identity, assumes full responsibility for any and all discrepancies, and agrees to hold harmless the recipient herein from any losses sustained by relying on such information. Date: __________________________________________________________________________________ (Signature) Order No: 420-2189246-12 ________________________________________________________ (Signature) PA2020-329 Order No. 420-2189246-12 Page 20 California Title Company 28202 Cabot Road, Suite 625 Laguna Niguel, CA 92677 949-582-8709 November 7, 2020 California Title Company Attn: Sue Groff 28202 Cabot Road Suite 625 Laguna Niguel, CA 92677 Congratulations on your recent listing. On behalf of California Title Company, I would like to take this opportunity to thank you for allowing us to provide you with the attached report. To offer the best service you and your client deserve, please reference the order number below when an offer has been accepted and you are ready to open escrow: 420-2189246-12 Should you need anything, please do not hesitate to contact me at: _____________________________________________________ Manny Manuel, Title Officer Ph: 949-582-8709 Email: mannym@caltitle.com Fax: 949-582-2449 PA2020-329 459-04 458 -64 \~ ' ~\ c6Q ~ g FIFTH ;;; >-, I ~ Cl) ::c Cl) -C: Cl) ;;:: ;;:: ,. m> "' 0-o .,, Cl) ;; 0 ::c "'0 :i! :i!? .-mo O>a, onm >nc: ..... C: Cl) ~1 g Cl> s2 m ~ c:na a, -<.., ~ 0 !ii 2?~~ 0 ::c.., Zmm Oo;o "'>m m ;;! ti ; £mm ..... :c -0 2oc ~ z ~ ;:o G} -0 g o· o '.AJ~m ~ E ::a Cl> zn 0 ~ (!! z "P,N. '"·"' PRDJ. 938-0! ,, ., _ PAR. r@ -698,609 i. @ ' ~ o.au; AC."•·"'· 154-1 ,, P.J/. @PR!JJ,9Js-01 @ i; PAR, 1 ?? -UJ,244 OJJfJ! AL ,,._,_.. 269-17 rs .CORONA{f3 @ , " " ,,,.., © P,11. '"·"'·PPO-J,s:.Je-01. ~ P4R. I ® -8}{/-J;lJt ::; " 0,081 >IC, "'·""' 384-18 . 0 P.lt. Ff?f).J,!JJEJ-Ft ?LR. I@ -534,5.JS" ""'' tt; /J.oa; AC.,,,_,.. 340-33- P.IJ. "'-"'' PRQ.J,9JJ-'Jt ,,~49 ® , P/lfl, 1@ -IH0,8Tr 0,!)ff/ ~C. r,ue J88-1 0 BlK, ~ 734@ ' ~ /{) ~ g © ' 8 ~---__0 ";;-.. © ' ' ' , ,, @) I-.',: ' -@ -,., ' ' (0 2 ' @ , ' ' m· ,,., i "" ~ " Q !i1 ,,.. P,11. '"·" PRW,'.158-0-f • ' 0 · i, PAI'.. t @ -45/J,451 " 0,fJ8! AC. ,,,,o-· J2.f-4J 0 @ , ?O " 0 " ® " , 0 (o4~, @ . !5 HW1 P.11. PAR.i°(fy.J'f?fu.ffJfJ-01 f,11, P.J.R ;@PIIW,931--0J !\ 21 -908,HJ'J O.OQJ Ac. 24 -3~;~;0 ii: O.OSI AC'.,,.o,· 191-19 .,,,_,,. ' ©Bi.K, 735 @ t2 :,.. ff p N "'"' f'f?aJ. <JJS-m 4 p IL PRfU. 9JU-01 t< • • PAR.I@ ·3Jl/d35ifi _:::-• Pt.H..l@-191,192 .. 0-081 ;tC'.,.,,~-394-Jfi. " o.oai .1c. Z5C-U P,11. PRW[CT ® 'JJ6-0f-2ll-ZN ' @ ' ;J. UiJAC, @ 159-JJ 5 ,w @ ' (i) ' 3 ""I'> I, @ ' P,11, PN!. / '@ffl~,938-0i (}.Jet AC, 25 -'2lJ,42fl a< ; ,,. _.,,.,.. 317-J() ,,,,.., PR[JJ. ~38-01 " ~P.M. PA,i. 1@ -H(), 141 "' O,f18t AC. J64--f9 ! 0 zo "' '< P,U. . PRiJJ.!iJ.B--01 _ PAP..,® -705,106 -().(}SI AC-.,,_.,. ]69-1 ➔0 " 0 04~,, ' (D BLK. m,·, !}: p M i,nrPf/(J,J.938--!)I ~ • 'PJIH.I® -1]8-f:J? .: a.w1 «c. ,,,_,,. 211-19 ""'' ' 0 , (i) ' ~ ® 4 @ ' ,.,• , "'' AVE:IIUE -;;r @ --,m I I l1 @ ,, <; O,Get@ ,c. " @ '5 @ I I: :u I ~I @ ~ 736 11 ~ ~ j "'<:, PR(),).!WHJI P.li.. P.tR. t@ -198,399 • o. /JS/ AC. ft, }14-41 pfl(JJ.';/j[j,.f)I P.JI. PAIL!@ -H.i,SH (UJS! fiC. JJ5-f0 I 5 'i MAR ,, ,. 0 Ul R m3:::z . =<a FOURTH ( !$6 TH.; AVENI£ • 7 z.-o:;: ... a, r n,= ~:l ,, 05 ~ CORONA DEL MAIi M./.1. 3-41, 42 PARCEL MAP P./.1. 231-19, 250-14, 259-33, 269-11, 307-30 MARCH 1983 PARCEL MAP P.M. 314-47, 317-JO, 324-43, J35-10, 340-33 NDTE -ASSFSSOR"S BLaCK & A55€SSOR'5 MAP c=i PAIICEL MAP P./.1. 354-1, 364-49, 369-1, 384-18, 388-1 PARCEL NUMBERS BOQK. 459 PAGE 04 PARCEL MAP P./J. 351-19, 394-31 SHOWN IN CIRCLES COUNTY OF GRANGE PA2020-329