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20210408_Application
Community Development Department Planning Permit Application 1. Check Permits Requested: D Approval-in-Concept -AIC # D Lot Merger Iii Coastal Development Permit D Limited Term Permit - 0 Waiver for De Minim is Development D Seasonal D < 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 D Minor D Lot Line Adjustment D Parcel Map 2. Project Address(es)/Assessor's Parcel No(s) j 2182 Mesa Drive CITY OF NEWPORT BEACH 100 Civic Center Drive Newport Beach, California 92660 949 644-3200 newportbeachca.gov/communitydevel opment D Staff Approval D Tract Map D Traffic Study D Use Permit-□Minor □Conditional D Amendment to existing Use Permit D Variance 0 Amendment -□Code □PC □GP □LCP D Other: 3. Project Description and Justification (Attach additional sheets if necessary): Demolish existing two car garage and utility room. Construct new eight car garage, utility room and second floor casita. Anthony Massaro Mars Hill Studio, Inc. 4. Applicant/Company Name ________ , _______________________________________ __._ Mailing Address 12533 Greenbriar Lane Suite/Unit "============:::.' City jcosta Mesa State .-1 C-A-------, Zip .,__I _____ __.I Phone 1949-294-4026 I Fax.------------, Email jtony@marshillstudio.com [ 5. Contact/Company Name lsame as applicant I Mailing Address ----------------:::...--=---=-----=-----_-_--:::.._S_u_ite/Unit "--[,_:-=--=--=--=-======:' City ~..=-=-=-=-=-=-=-======-=-=i----;:::::========::::__:S~tate _________ ___., Zip I I Fax,:._ _____ __., Email.:_._ ____________ __. Phone __________ _. 0 N !Josh Merrell 6. wner ame "----;::::::::==========================================::;--------=============: Mailing Address I 2182 Mesa Drive Suite/Unit ~/ ==========:::::'. City !Newport Beach State lcA I Zip I Phone 1714-742-5552 I Fax.:....._ _____ __., Email jjosh@liquidgraphics.tv . . I Josh Merrell 7. Property Owner's Aff1dav1t*: (I) 0J'/e) _________________________ ____. depose and say that (I am) (we are) the owner(s) of the property (ies) involved in this application. (I) (YVe) further certify, under penalty of perjury, that the foregoing statements and answers herein contained and the information herewith submitted in all respects true an correct to the best of (my) (our) knowledge and belief. Title: I Property Owner I Date: !Jan. 19, 2021 DD/MONEAR 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\CDD\Shared\Admin\Plannina Division\Aoolications\Aoolication Guidelines\Plannina Permit Aoolication -CDP added.docx Rev: 01124/17 PA2021-083 Community Development Department Planning Permit Application 1. Check Permits Requested: D Approval-in-Concept -AIC # Iii 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 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 D Minor D Lot Line Adjustment D Parcel Map 2. Project Address(es)/Assessor's Parcel No(s) j21a2 Mesa Drive, APN: 439-061-06 CITY OF NEWPORT BEACH 100 Civic Center Drive Newport Beach, California 92660 949 644-3200 newportbeachca.gov/communitydevelopment D Staff Approval D Tract Map D Traffic Study Pv<l.'ZfU Zf-0B3 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): See attached Lot 6 Blk 51 parcel with old lots overlay. 4. Applicant/Company Name !Anthony Massaro, Architect Mailing Address J 2533 Greenbriar Lane I Suite/Unit ='--~=--~=---=-=---=-=---=-=-' City I Costa Mesa, Phone j 949-294-4026 ~tate J.---c-A ____ j Zip I 92626 I Fax -, ------, Email I tony@marshillstudio.com I 5. Contact/Company..--N_a_m_e_ "-_I s=a=m=e=============================~-----============' Mailing Address "-----------------;:..-=--=--=--=---~-...... --::::..._~_u_ite/Unit .:.....I _____ --=--____ -_:-___ ___._I City ---;:::-==~-==-==--==-==-==-==-==-==..=-;--;:=::=========-~state I -1 Zip I ~ t Fax "--1 ____ ___.I Email"----------------' Phone"----_______ __. 6. Property Owner N~a:.:.m~e:...:::I J=o=s=h=M=e=r=re=l=I ========================:.-------;::-=-=-=-=-=-=-===~' Mailing Address I 2182 Mesa Drive Suite/Unit .:.....I ___________________ --J_j City I Newport Beach State j Zip I I Phone} 714-742-5552 I Fax-=---' ____ ----JI Email jjosh@liquidgraphics.tv I 7. Property Owner's Affidavit*: (I) (We) .:......_ ____________________ __,.1 depose and say that (I am) (we are) the owner(s) of the property (ies) involved in this application. (I) (We) further certify, under penalty of perjury, that the foregoing statements and answers herein contained and the information herewith submitted are in all respects true and correct to the best of (my) (our) knowledge and belief. Signature(s):~------Title: /~A../.p~ I Date: I:?· IZ "~/ ~~~+ · ~ MM/DDNEAR Signature(s): ______________ Title: I I Date: I I *May be signed by the lessee or by an authorized agent if written authorization from the owner of record is filed concurrently with the application. Please note, the owner(s)' signature for Parcel/Tract Map and Lot Line Adjustment Application must be notarized. l:\Users\CDD\Shared\Admin\Plannina Division\Aoolications\Aoolication Guidelines\Plannina Permit Aoolication 2021.docx Rev: 01/24/17 PA2021-083 I:\Users\CDD\Shared\Admin\Planning_Division\Current_Templates\Office Use Only Form Updated 01/27/2020 2700-5000 Acct. Deposit Acct. No. ________________________ For Deposit Account: Fee Pd: _______________________________________ Receipt No: ____________________________ FOR OFFICE USE ONLY Date Filed: _______________________ APN No: __________________________ Council District No.: _________________ General Plan Designation: ____________ Zoning District: _____________________ Coastal Zone: Yes No Check #: __________ Visa MC Amex # ____________ CDM Residents Association and Chamber Community Association(s): _______________________ Development No: __________________________ _____________________________________________ Project No: ________________________________ _____________________________________________ Activity No: _______________________________ Related Permits: ___________________________ Remarks: ________________________________________________________________________________________ PA2021-083 TH IS MAP WAS PREPARED FOR ORANGE COUNTY ASSESSOR DEPT. PURPOSES ONLY. THE ASSESSOR MAKES NO GUARANTEE AS TO I TS ACCURACY NOR ASSUMES ANY LIABILJ TY FOR OTHER USES. NOT TO BE REPRODUCED. ALL RIGHTS RESERVED. ie, COPYRIGHT ORANGE COUNTY ASSESSOR 2019 /RV/NE SUB. TRACT NO. 706 PARCEL MAP PARCEL MAP ~ MARCH 1974 M.M. 1-88 M.M. 21-25 P.M. 9-17 P.M. 394-37 "?" pJ ~ /~- 292,Z<' "?" pJ ~ ✓ ~" ~~t;::: Q:j~ V) 38 --------- PAR, 1 @ 3. 19 AC. \ \ I I OPE I EASEMENT I I I I I @ 2,218 AC. I I I ------120 I ------1..!_'!._ ------ 0 \ 2.477 AC. re. 1 \ \ \ \ \ I NO.', 706 I ---1 111 \,,..,,..,,.. I 110 _,.. _,.. i 01< ------~IJE. !)---_,.. \ />.ef>.t-lO. _,.. i IJ\£','j ___ ,,..,, e~ ---------,,..,,--- I I I 44Q-' t\ § ® 2, 18 AC. 37 ~ ..... Wt::: ORJyE ~ ~~ L I..., V) ~ :--- I I I I I I I \ -I I /.. 7 I I I I I I I I I I I --..!J!7 I I -------1.1:..!_6 /:.. I ------ I I ll ''\ POR, PAR. 2 .. ...,, © 0 I 2, 02 AC, /.. t 7 2,24 AC. POR. LOT I 152 BLK. 51 \ NOTE -ASSESSOR'S BLOCK & PARCEL NUMBERS SHOWN IN CIRCLES "-./. 7 , .\-7 POR. 0 L. ,. \ 1.58 AC. ® ASSESSOR'S MAP BOOK 439 PAGE 06 COUNTY OF ORANGE 439-06 111 = 100' ~ CJ PA2021-083 OWNER: JOSH MERRELL (714) 742-5552 PROJECT ADDRESS: 2182 MESA DRIVE APPLICABLE CODES: 2019 CRC, 2019 CBC, 2019 CPC, 2019 CEC, 2019 CMC, 2019 BUILDING ENERGY EFFICIENCY STANDARDS (BEES), 2019 CALIFORNIA GREEN BUILDING STANDARDS CODE (CALGREEN) OCCUPANCY GROUP: R-3, U No. OF STORIES: 2 STORIES CONSTRUCTION TYPE: TYPE VB, NON-RATED, SPRINKLERED SCOPE OF WORK: DEMOLISH EXISTING GARAGE PLUS CONDITIONED AREA AND CONSTRUCT NEW GARAGE, WITH UTILITY ROOM PLUS SECOND STORYCASITA BUILDING AREA ANALYSIS: (E) FIRST FLOOR CONDITIONED SPACE (TO REMAIN): (E) FIRST FLOOR CONDITIONED SPACE (TO BE DEMOLISHED): (N) FIRST FLOOR CONDITIONED SPACE: (N) SECOND FLOOR CONDITIONED SPACE TOTAL AREA OF CONDITIONED SPACE: ADDITIONAL 1ST FLOOR NON CONDITIONED AREAS: (E) GARAGE (TO BE DEMOLISHED) (N) EIGHT CAR GARAGE (N) ENTRY LOGGIA ADDITIONAL 2ND FLOOR NON CONDITIONED AREAS: (N) LOFT#1 {N) LOFT#2 {N) UPPER LOGGIA SITE DEVELOPMENT BUILDING SETBACKS: FRONT: LEFT & RIGHT SIDE: REAR: LOT COVERAGE: LOT SIZE: 20 FEET 5FEET 30 FEET PRPOSED LOT COVERAGE: PERCENTAGE OF LOT COVERAGE: 89,094 S.F. 11,400 S.F. 12.7% 5,903 SF (620) SF 685 SF 751 SF 7,339 SF (605) SF 2857 SF 897 SF 357 SF 280 SF 160 SF PA2021-083 ~ Recording Requested by and Mail to: City of Newport Beach Public Works Dept Attn: Subdivision 100 Civic Center Drive P.O. Box 1768 Newport Beach, CA 92658 This S ace for Recorder's Use Onl Lot Line Adjustment/Lot Merger Address(es) or Property Involved: __ ::2-_l --~-;l-__ M_£?i_S_A __ /J_R..._1_v_,... ~_,--_______ _ Owner(s) Affidavit I (We) hereby certify under penalty of perjury that 1) I am (we are) the record owner(s) of all parcels proposed for adjustment by this application, 2) I (We) have knowledge of and consent to the filing of this application, 3) the information submitted in connection with this application is true and correct; and 4) I (We) consent to the recordation of these documents. RECORD OWNERS: Parcel NAME: _.::,,,.:;...;::;;.....:..-,...;.._.;..;...;.._,.:M. ___ . ~ ____ ___,;_L-_t--__ A_4 __ ·11;....a..-_"'--_S._·_-r i:=-_.--_I!:£= _________ _ Parcel NAME: 0'mhe;,,c\~ r:Qgl{Y',e \\, Parcel 4-~9 ·-ob I -Ob Signature of parcel owner NAME: _________________________ _ Signature of parcel owner Signature of parcel owner Parcel NAME: ________________________ _ Signature of parcel owner Signature of parcel owner NOTE: Each of these signatures must be notarized, using the appropriate Jurat attached and completed by a Notary Public. Approved for Recording CITY OF NEWPORT BEACH City Engineer: ___________ _ Date: __________ _ F:\Users\CDD\Shared\Admin\Planning_Oivision\Appllcations\LA&LM\lnfo_LA_LM_R~v-~~0~1_8.:d.~~ PA2021-083 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 truthfulness1 accuracy, or validity of that document. State of California County of O r ,~,," 3 e l ss. .. On {\/\1!).CCh toll', , 20.2:.l_ before me, /V\etv,r'\ 1.--vc~s l:t. , Notary Public, personany'appeared j:OSpvo\ T· N\-err f \) , 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. s-~--1gn /,.., ,,,,...--✓- ./ / 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) ........... f MELVIN LUCAS II otary Public• California : Orange County ommission # 2319129 County of Qf'GtV\Je.. } ss. On N,sccn Io+~ , • 20..d::L_ before me, N\ eJ v ,~ f' \...--vC °' S n: Notary Public, personally appeared \c.. ~ tY\ be c \ l k · DA f ff :e l ) , proved to me on the basis of satisfactory evidence to b 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. {seal) PA2021-083 CLTA Preliminary Report Form (Rev. 11/06) Order Number: O-SA-6522316 Page Number: 1 Order Number: Title Officer: Phone: Fax No.: E-Mail: Owner: Property: First American Title First American Title Company 4 First American Way Santa Ana, CA 92707 California Department of Insurance License No. 151 O-SA-6522316 (bdaa) Bob Davies / Ashley Aegerter (714)250-3094 (714)913-6388 FAHQ-RA-octitle2@firstam.com Morrell Family Trust and Joshua Morrell Trust 2182 Mesa Drive Newport Beach, CA 92660 PRELIMINARY REPORT In response to the above referenced application for a policy of title insurance, this 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 A attached. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the Cl TA and 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 A. 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 A of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land. This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested. Rrst American Title Page 1 of 15 PA2021-083 Dated as of February 16, 2021 at 7:30 A.M. The form of Policy of title insurance contemplated by this report is: Order Number: O-SA-6522316 Page Number: 2 ALTA/CLTA Homeowner's (EAGLE) Policy of Title Insurance (2013) and ALTA Ext Loan Policy 1056.06 (06-17-06) if the land described is an improved residential lot or condominium unit on which there is located a one-to-four family residence; or ALTA Standard Owner's Policy 2006 (WRE 06-17-06) and the ALTA Loan Policy 2006 (06-17-06) if the land described is an unimproved residential lot or condominium unit A specific request should be made if another form or additional coverage is desired. Title to said estate or interest at the date hereof is vested in: Joshua Merrell and Kimberly Merrell, Trustees of The Merrell Family Trust Dtd 11/16/11 The estate or interest in the land hereinafter described or referred to covered by this Report is: FEE The Land referred to herein is described as follows: (See attached Legal Description) At the date hereof exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form would be as follows: 1. General and special taxes and assessments for the fiscal year 2021-2022, a lien not yet due or payable. 2. The lien of supplemental taxes, if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of the California Revenue and Taxation Code. 3. AN EASEMENT OVER A STRIP OF LAND 30 FEET WIDE FOR ROAD AND UTILITY PURPOSES ALONG THE NORTHEASTERLY AND SOUTHERLY SIDES OF SAID LAND, AS RESERVED IN THE DEED FROM THE IRVINE COMPANY TOP. ROY GREENLEAF, JR. AND WIFE, RECORDED JULY 23, 1951 IN BOOK 2207, PAGE 196, OFFICIAL RECORDS. First American Title Page 2 of 15 PA2021-083 Order Number: O-SA-6522316 Page Number: 3 4. Covenants, conditions, restrictions and easements in the document recorded as BOOK 2207, PAGE 206 of Official Records, which provide that a violation thereof shall not defeat or render invalid the lien of any first 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 identity, gender expression, sexual orientation, famHial 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. 5. 6. 7. 8. 9. 10. 11. 12. 13. Document(s) declaring modifications thereof recorded as BOOK 3459, PAGE 193 AND AS INSTRUMENT NO. 92-129934, BOTH of Official Records. An easement for ROAD PURPOSES and incidental purposes in the document recorded as BOOK 3459, PAGE 193 of Official Records. An easement for UTILITY PURPOSES and incidental purposes in the document recorded as BOOK 2220, PAGE 462 of Official Records. An easement for PUBUC UTILITIES and incidental purposes, recorded December 21, 1999 as INSTRUMENT NO. 99-862974 of Official Records. In Favor of: SOUTHERN CALIFORNIA EDISON COMPANY, A CORPORATION Affects: THE LAND THE FACT THAT A WOODEN FENCE ENCROACHES ONTO THE NORTHWESTERLY PORTION OF THE LAND AS DISCLOSED BY A BOUNDARY SURVEY BY PAUL CUOMO DATED JULY 12, 2001 The terms and provisions contained in the document entitled "PARTY WALL AGREEMENT" recorded March 20, 2015 as INSTRUMENT NO. 15-143127 OF OFFICIAL RECORDS. The effect of a map purporting to show the land and other property, filed MAY 09, 2016 IN BOOK 283, PAGE 48 of Record of Surveys. A deed of trust to secure an original indebtedness of $3,300,000.00 recorded December 31, 2019 as INSTRUMENT NO. 19-550091 OF OFFICIAL RECORDS. Dated: December 23, 2019 Trustor: JOSHUA MERRELL AND KIMBERLY MERRELL, TRUSTEES OF THE MERRELL FAMILY TRUST DTD 11/16/11 Trustee: FIDELITY NATIONAL ffiLE COMPANY Beneficiary: CITY NATIONAL BANK Any defects, liens, encumbrances or other matters which name parties with the same or similar names as ROBERT ANDERSON. The name search necessary to ascertain the existence of such matters has not been completed. In order to complete this preliminary report or commitment, we will require a statement of information. Any defects, liens, encumbrances or other matters which name parties with the same or similar names as GARY R. ANDERSON. The name search necessary to ascertain the existence of such matters has not been completed. In order to complete this preliminary report or commitment, we will require a statement of information. First American Title Page 3 of 15 PA2021-083 Order Number: 0-SA-6522316 Page Number: 4 14. Rights of the public in and to that portion of the Land lying within any Road, Street, Alley or Highway. 15. The new lender, if any, for this transaction may be a Non-Institutional Lender. If so, the Company will require the Deed of Trust to be signed before a First American approved notary. Prior to the issuance of any policy of title insurance, the Company will require: 16. With respect to the trust referred to in the vesting: a. A certification pursuant to Section 18100.5 of the California Probate Code in a form satisfactory to the Company. b. Copies of those excerpts from the original trust documents and amendments thereto which designate the trustee and confer upon the trustee the power to act in the pending transaction. c. Other requirements which the Company may impose following its review of the material required herein and other information which the Company may require. First American Title Page 4 of 15 PA2021-083 INFORMATIONAL NOTES Order Number: 0-SA-6522316 Page Number: 5 Note: The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than the certain dollar amount set forth in any applicable 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. If you desire to review the terms of the policy, including any arbitration clause that may be included, contact the office that issued this Commitment or Report to obtain a sample of the policy jacket for the policy that is to be issued in connection with your transaction. 1. General and special taxes and assessments for the fiscal year 2020-2021. First Installment: Penalty: Second Installment: Penalty: Tax Rate Area: A. P. No.: $21,426.91, PAID $0.00 $21,426.91, PAID $0.00 07-195 439-061-06 2. This report is preparatory to the issuance of an ALTA Loan Policy. We have no knowledge of any fact which would preclude the issuance of the policy with CLTA endorsement forms 100 and 116 and if applicable, 115 and 116.2 attached. When issued, the CLTA endorsement form 116 or 116.2, if applicable will reference a(n) Single Family Residence known as 2182 MESA DRIVE, NEWPORT BEACH, CA. 3. According to the public records, there has been no conveyance of the land within a period of twenty- four months prior to the date of this report, except as follows: None NOTE to proposed insured lender only: No Private transfer fee covenant, as defined in Federal Housing Finance Agency Fina-I Rule 12 CFR Part 1228, that was created and first appears in the Public Records on or after February 8, 2011, encumbers the Title except as follows: None The map attached, if any, may or may not be a survey of the land depicted hereon. First American expressly disclaims any liability for loss or damage which may result from reliance on this map except to the extent coverage for such loss or damage is expressly provided by the terms and provisions of the title insurance policy, if any, to which this map is attached. Rrst American Title Page 5 of 15 PA2021-083 LEGAL DESCRIPTION Order Number: 0-SA-6522316 Page Number: 6 Real property in the City of Newport Beach, County of Orange, State of California, described as follows: A PARCEL OF LAND IN LOT 152 OF BLOCK 51 OF IRVINE'S SUBDIVISION, AS SHOWN ON A MAP RECORDED IN BOOK 1, PAGE 88 OF MISCELLANEOUS RECORD MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA, A PORTION OF SAID PARCEL BEING ALSO PORTIONS OF LOTS 117 AND 118, AND A PORTION OF MESA DRIVE, AS SHOWN ON MAP OF TRACT NO. 706 RECORDED IN BOOK 21, PAGE 25 OF MISCELLANEOUS MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT THE POINT OF INTERSECTION OF THE CENTER LINE OF MESA DRIVE WITH THE CENTER LINE OF CYPRESS STREET WHICH BEARS NORTH 50 DEG. 11' 45" WEST A DISTANCE OF 1323.80 FEET FROM THE EASTERLY CORNER OF SAID LOT 152 IN BLOCK 51 OF IRVINE'S SUBDIVISION; THENCE FROM SAID POINT OF BEGINNING SOUTH 39 DEG. 48' 15" WEST 105.00 FEET TO THE BEGINNING OF A CURVE CONCAVE EASTERLY AND HAVING A RADIUS OF 335.40 FEET; THENCE SOUTHERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 43 DEG. 51' AN ARC DISTANCE OF 256.69 FEET TO A LINE TANGENT; THENCE SOUTH 4 DEG. 02' 45" EAST ALONG SAID LINE TANGENT 88.20 FEET TO THE BEGINNING OF A CURVE CONCAVE WESTERLY AND HAVING A RADIUS OF 734.60 FEET; THENCE SOUTHERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 22 DEG. 21' 00" AN ARC DISTANCE OF 306.06 FEET TO A POINT FROM WHICH POINT A RADIAL LINE BEARS NORTH 71 DEG. 41' 45" WEST, SAID POINT BEING ALSO THE POINT ON INTERSECTION WITH A CURVE CONCAVE NORTHEASTERLY AND HAVING A RADIUS OF 600 FEET; THE RADIAL LINE OF WHICH BEARS NORTH 18 DEG. 18' 15" EAST; THENCE NORTHWESTERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 18 DEG. 30' AN ARC DISTANCE OF 193.73 FEET TO THE BEGINNING OF A CURVE CONCAVE SOUTH-WESTERLY HAVING A RADIUS OF 1000 FEET; THENCE NORTHWESTERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 23 DEG. 00' 00" AN ARC DISTANCE OF 401.43 FEET TO A LINE TANGENT; THENCE NORTH 76 DEG. 11' 45" WEST ALONG SAID LINE TANGENT 5.29 FEET; THENCE NORTH 36 DEG. 13' 05" EAST 801.61 FEET TO A POINT IN THE CENTER LINE OF MESA DRIVE 310.62 FEET NORTHWESTERLY OF THE POINT OF BEGINNING; THENCE SOUTH 50 DEG. 11' 45" EAST 310.62 FEET TO THE POINT OF BEGINNING. EXCEPTING THEREFROM THE FOLLOWING DESCRIBED PARCEL. BEGINNING AT THE POINT OF INTERSECTION OF THE CENTER LINE OF MESA DRIVE WITH THE CENTER LINE OF CYPRESS STREET WHICH BEARS NORTH 50 DEG. 11' 45" WEST A DISTANCE OF 1323.80 FEET FROM THE EASTERLY CORNER OF SAID LOT 152 IN BLOCK 51 OF IRVINE'S SUBDIVISION; THENCE FROM SAID POINT OF BEGINNING SOUTH 39 DEG. 48' 15" WEST 105.00 FEET TO THE BEGINNING OF A CURVE CONCAVE EASTERLY AND HAVING A RADIUS OF 335.40 FEET; THENCE SOUTHERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 43 DEG. 51' AN ARC DISTANCE OF 256.69 FEET TO A LINE TANGENT, THENCE SOUTH 4 DEG. 02' 45" EAST ALONG SAID LINE TANGENT 88.20 FEET TO THE BEGINNING OF A CURVE CONCAVE WESTERLY AND HAVING A RADIUS OF 784.60 FEET; THENCE SOUTHERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 22 DEG. 21' 00" AN ARC DISTANCE OF 306.06 FEET TO A POINT FROM WHICH POINT A RADIAL LINE BEARS NORTH 71 DEG. 41' 45" WEST, SAID POINT BEING ALSO THE POINT OF INTERSECTION WITH A CURVE CONCA VE NORTHEASTERLY AND HAVING A RADIUS OF 600 FEET, THE RADIAL LINE OF WHICH BEARS NORTH 18 DEG. 18' 15" EAST; THENCE NORTHWESTERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 18 DEG. 30' AN ARC DISTANCE OF 193.73 FEET TO THE BEGINNING OF A CURVE CONCA VE SOUTHWESTERLY HAVING A RADIUS OF 1000 FEET; THENCE NORTHWESTERLY ALONG SAID CURVE THROUGH A CENTRAL ANGLE OF 11 DEG. 25' 10" AN ARC DISTANCE OF 199.31 FEET; THENCE NORTH 23 DEG. 15' 28" EAST 759.46 FEET TO A POINT IN THE CENTER LINE OF MESA DRIVE 282.65 FEET NORTHWESTERLY OF THE POINT OF BEGINNING; THENCE SOUTH 50 DEG. 11' 45" EAST 282.65 FEET TO THE POINT OF BEGINNING. APN: 439-061-06 Rrst American Title Page 6 of 15 PA2021-083 ~ ...... ~::t:.. ~~ '-I~ ~~-~~ ~ or THIS MAP ll'AS PREPARED F()R ORANGE COUNTY ASSESSOR DEPT. PURPOSES DNL Y, TH£ ASS£SSOR MAKES NO GUARANT££ AS TD ITS ACCURACY NOR ASS/.111£S ANY llABlllTY FOR OTHER USES. NOT TO BE REPROOUCEO, ALL RIGHTS RESERVED. Cl) COPYRIGHT ORANGE COUNTY ASSESSOR 2019 /RV/NE SUB. TRACT NO, 706 PARCEL MAP PARCEL MAP MARCH 1974 M.M. 1-88 M.M. 21-25 P.M. 9-11 P.M, 394-Jl ~ Pl ~ ~· Ci h)' g; ~ '1 ;l,'-~~t:J ~~ ., 38 440-'4 3? St ~~ L_ ct; ·~~z,,~-~ ,.._ I I I I I I I I I I I I I I -I I I I I I I I,. 1 I I,. I I I I I I I I I I -JJ.11 I --................... I --J.116 ---............... <1 \ POii, PAR, 2 - 2,02 AC. 2,24 AC, © ·r (i) POR, LOT 152 L 17 1,.¼1 POR, PAR, 1 BLK. 51 I NOTE -ASSESSOR'S BLOCK & PARCEL NUMBERS SHOWN IN CIRCLES 0 I I 1,58 AC, ASSESSOR Is MAP BOOK ◄39 PAGE 06 COUNTY OF ORANGE 439-06 1" = 100' ~ D .,,o Q,J a IC en en.., :z :z C: C: 3 3 CT O" ~ ~ '-10 t 0\ u, N N w f,oA 0\ PA2021-083 NOTICE Order Number: 0-SA-6522316 Page Number: 8 Section 12413.1 of the California Insurance Code, effective January 1, 1990, requires that any title insurance company, underwritten title company, or controlled escrow company handling funds in an escrow or sub- escrow capacity, wait a specified number of days after depositing funds, before recording any documents in connection with the transaction or disbursing funds. This statute allows for funds deposited by wire transfer to be disbursed the same day as deposit. In the case of cashier's checks or certified checks, funds may be disbursed the next day after deposit. In order to avoid unnecessary delays of three to seven days, or more, please use wire transfer, cashier's checks, or certified checks whenever possible. Rrst American Title Page 8 of 15 PA2021-083 EXHIBIT A Order Number: O-SA-6522316 Page Number: 9 LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS (BY POLICY TYPE) Cl TA STANDARD COVERAGE POLICY -1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; ( d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE -SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public, records. 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 unless such lien is shown by the public records at Date of Policy. Cl TA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; Rrst American Title Page 9 of 15 PA2021-083 Order Number: 0-SA-6522316 Page Number: 10 d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; c. that result in no loss to You; or d. that first occur after the Policy Date -this does not limit the coverage described in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors' rights laws. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Covered Risk 16: Covered Risk 18: Covered Risk 19: Covered Risk 21: Your Deductible Amount 1 % of Policy Amount Shown in Schedule A or $2,500 (whichever is less) 1 % of Policy Amount Shown in Schedule A or $5,000 (whichever is less) 1 % of Policy Amount Shown in Schedule A or $5,000 (whichever is less) 1 % of Policy Amount Shown in Schedule A or $2,500 (whichever is less) 2006 ALTA LOAN POLICY (06-17-06) EXCLUSIONS FROM COVERAGE Our Maximum Dollar Limit of Liability $10,000 $25,000 $25,000 $5,000 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 l(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion l(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; First American Title Page 10 of 15 PA2021-083 (c) resulting in no loss or damage to the Insured Claimant; Order Number: O-SA-6522316 Page Number: 11 (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 Tihis policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [PART I [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material unless such lien is shown by the Public Records at Date of Policy. PARTII 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 l(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion l(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; Rrst American Title Page 11 of 15 PA2021-083 (c) resulting in no loss or damage to the Insured Claimant; Order Number: 0-SA-6522316 Page Number: 12 ( d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 or 10); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material unless such lien is shown by the Public Records at Date of Policy. 7. [Variable exceptions such as taxes, easements, CC&.R's, etc. shown ·here~] 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 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 l(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 l(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or r6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or ( e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Rrst American Title Page 12 of 15 PA2021-083 Order Number: 0-SA-6522316 Page Number: 13 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. 1 o. 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. Rrst American Title Page 13 of 15 PA2021-083 First American Title1 M Privacy Notice Effective: October 1, 2019 Notice Last Updated: January 1, 2021 This Privacy Notice describes how First American Financial Corporation and its subsidiaries and affiliates (together referred to as "First American/' "we," "us," or "our'') collect, use, store, and share your information. This Privacy Notice applies to information we receive from you offline only, as well as from third parties, when you interact with us and/or use and access our services and products (''Products''). For more information about our privacy practices, including our online practices, please visit https://www.firstam.com/privacy-policy/. The practices described in this Privacy Notice are subject to applicable laws in the places in which we operate. ·what Type Of Information Do We Collect About You? We collect a variety of categories of information about you. To learn more about the categories of information we collect, please visit https://www.firstam.com/privacy-policy/. How Do We Collect Your Information? We collect your information: (1) directly from you; (2) automatically when you interact with us; and (3) from third parties, including business parties and affiliates. How Do We Use Your Information? We may use your information in a variety of ways, including but not limited to providing the services you have requested, fulfilling your transactions, comply with relevant laws and our policies, and handling a claim. To learn more about how we may use your information, please visit https://www.firstam.com/privacy-~- How Do We Share Your Information? We do not sell your personal information. We only share your information, including to subsidiaries, affiliates, and to unaffiliated third parties: (1) with your consent; (2) in a business transfer; (3) to service providers; and (4) for legal process and protection. To learn more about how we share your information, please visit https://www.firstam.com/privacy-policy/. How Do We Store and Protect Your Information? The security of your information is important to us. That is why we take commercially reasonable steps to make sure your information is protected. We use our best efforts to maintain commercially reasonable technical, organizational, and physical safeguards, consistent with applicable law, to protect your information. How Long Do We Keep Your Information? We keep your information for as long as necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. Your Choices We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and sharing of your information. You can learn more about your choices by visiting https://www.firstam.com/privacy-~- International Jurisdictions: Our Products are offered in the United States of America (US), and are subject to US federal, state, and local law. If you are accessing the Products from another country, please be advised that you may be transferring your information to us in the US, and you consent to that transfer and use of your information in accordance with this Privacy Notice. You also agree to abide by the applicable laws of applicable US federal, state, and local laws concerning your use of the Products, and your agreements with us. We may change this Privacy Notice from time to time. Any and all changes to this Privacy Notice will be reflected on this page, and where appropriate provided in person or by another electronic method. YOUR CONTINUED USE, ACCESS, OR INTERACTION WITH OUR PRODUCTS OR YOUR CONTINUED COMMUNICATIONS WITH US AFTER THIS NOTICE HAS BEEN PROVIDED TO YOU WILL REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS PRIVACY NOTICE. Contact Us dataprivacy@firstam.com or toll free at 1-866-718-0097. © 2020 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE:FAF Form 10-PRIVACY20 (12-18-20) Page 1 of 2 Privacy Notice (2020 First American Financial Corporation) En lish PA2021-083 .,, . 1: AME ll I ~ FirstAmerican Title"' ~ For California Residents If you are a California resident, you may have certain rights under California law, including but not limited to the California Consumer Privacy Act of 2018 (''CCPA"). All phrases used in this section shall have the same meaning as those phrases are used under California law, including the CCPA. Right to Know. You have a right to request that we disclose the following information to you: (1) the categories of personal information we have collected about or from you; (2) the categories of sources from which the personal information was collected; (3) the business or commercial purpose for such collection and/or disclosure; ( 4) the categories of third parties with whom we have shared your personal information; and (5) the specific pieces of your personal information we have collected. To submit a verified request for this information, go to our online privacy policy at www.firstam.com/privacy-policy to submit your request or call toll-free at 1-866-718-0097. You may also designate an authorized agent to submit a request on your behalf by going to our online privacy policy at www.firstam.com/privacy-policy to submit your request or by calling toll-free at 1-866-718-0097. Right of Deletion. You also have a right to request that we delete the personal information we have collected from and about you. This right is subject to certain exceptions available under the CCPA and other applicable law. To submit a verified request for deletion, go to our online privacy policy at www.firstam.com/privacy-policy to submit your request or call toll-free at 1-866-718-0097. You may also designate an authorized agent to submit a request on your behalf by going to our online privacy policy at www.firstam.com/privacy-policy to submit your request or by calling toll-free at 1-866-718- 0097. Verification Process. For either a request to know or delete, 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 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. Notice of Sale. We do not sell California resident information, nor have we sold California resident information in the past 12 months. We have no actual knowledge of selling the information of minors under the age of 16. Right of Non-Discrimination. You have a right to exercise your rights under California law, including under the CCPA, without suffering discrimination. Accordingly, First American will not discriminate against you in any way if you choose to exercise your rights under the CCPA. Notice of Collection. To learn more about the categories of personal information we have collected about California residents over the last 12 months, please see "What Information Do We Collect About You" in https://www.firstam.com/privacy-policy. To learn about the sources from which we have collected that information, the business and commercial purpose for its collection, and the categories of third parties with whom we have shared that information, please see "How Do We Collect Your Information", "How Do We Use Your Information", and "How Do We Share Your Information" in https://www.firstam.com/privacy-policy. Notice of Sale. We have not sold the personal information of California residents in the past 12 months. Notice of Disclosure. To learn more about the categories of personal information we may have disclosed about California residents in the past 12 months, please see "How Do We Use Your Information" and "How Do We Share Your Information" in https://www.firstam.com/privacy-policy. © 2020 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE:FAF . Form 10-PRIVACY20 (12-18-20) age 2 of 2 Privacy Notice (2020 First American Financial Corporation) En listi PA2021-083