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HomeMy WebLinkAboutDeed APPLICANT 6/11/20210 Fidelity National Title Company of Oregon PRELIMINARY REPORT In response to the application for a policy of title insurance referenced herein Fidelity National Title Company hereby reports that it is prepared to issue, or cause to be issued, as of the specified date, a policy or policies of title insurance describing the land and the estate or interest 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 herein or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations or Conditions of said policy forms. The printed Exceptions and Exclusions from the coverage of said policy or policies are set forth in Exhibit One. Copies of the policyfonns should be read. They are available from the offcewhich issued this report. 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. The policy(s) of title insurance to be issued hereunder will be policy(s) of Fidelity National Title Insurance Company, a/an Florida corporation. Please read the exceptions shown or referred to herein and the Exceptions and Exclusions set forth in Exhibit One of this report carefully. The Exceptions and Exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects and encumbrances affecting title to the land. This preliminary report is for the exclusive use of the parties to the contemplated transaction, and the Company does not have any liability to any third parties nor any liability until the full premium is paid and a policy is issued. Until all necessary documents are placed of record, the Company reserves the right to amend or supplement this preliminary report. Countersigned Q� P dein ryReport Pnn[ 11.20.20®08:19AM OR—SPS1-26 222012217 ESCROW OFFICER: TITLE OFFICER: 0-,,,„ Fidelity National Title = Cnmpazry oror,goc 3007 North Delta Hwy., Ste 206, Eugene, OR 97408 (541)3453660 FAX (541)345-3678 PRELIMINARY REPORT Robbie Shyrer Robbie.Shyrer@FNF.com 541-345-3660 Londa Vinyard TO: Fidelity National Title Company of Oregon 3007 North Delta Hwy., Ste 206 Eugene, OR 97408 ESCROW LICENSE NO.: 200 50 31 48 OWNER/SELLER: Carol Lewelling BUYER/BORROWER: Bruce Wiechert Custom Homes PROPERTY ADDRESS: Tax Lot 00202 Horace Street, Springfield, OR 97478 ORDER NO.: 60222012217 EFFECTIVE DATE: November 20, 2020, 08:00 AM 1. THE POLICY AND ENDORSEMENTS TO BE ISSUED AND THE RELATED CHARGES ARE: ALTA Owner's Policy 2006 Owners SIaMaA AMOUNT PREMIUM $ 115,000.00 $ 488.00 2. THE ESTATE OR INTEREST IN THE LAND HEREINAFTER DESCRIBED OR REFERRED TO COVERED BY THIS REPORT IS: A Fee 3. TITLE TO SAID ESTATE OR INTEREST AT THE DATE HEREOF IS VESTED IN: The Heirs and/or Devisees of Lois M. Jackson, deceased 4. THE LAND REFERRED TO IN THIS REPORT IS SITUATED IN THE COUNTY OF LANE, STATE OF OREGON, AND IS DESCRIBED AS FOLLOWS: SEE EXHIBIT "A" ATTACHED HERETO AND MADE PART HEREOF P dein ryReport Pnnl 11.24.20®08:19AM OR—SPS1-26 222012217 Order No.: 60222012217 EXHIBIT "A" Legal Descnption Beginning at the Northwest corner of Lot 4, RETA FRANKLIN ADDITION, as platted and recorded in Volume 28, Page 22, Lane County Oregon Plat Records; run thence along the West line of said Lot 4 South 00° 35' 30" East 128.00 feet; thence East 106.40 feet to the East line of said Lot 4; thence along the East line of said Lot 4 North 00° 35' 30" West 128.00 feet; thence West 106.40 feet to the Point of Beginning, all in Lane County, Oregon. Prdmnre Report Pnn[ 11.24.20®08:19AM OR—SPS1-26 222012217 Order No.: 60222012217 AS OF THE DATE OF THIS REPORT, ITEMS TO BE CONSIDERED AND EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN THE POLICY FORM WOULD BE AS FOLLOWS: GENERAL EXCEPTIONS: 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 fads, rights, interests or claims, which are not shown by the Public Records but which could be ascertained by an inspection of the Land or by making inquiry of persons in possession thereof. 3. Easements, or claims of easement, which are not shown by the Public Records; reservations or exceptions in patents or in Acts authorizing the issuance thereof; water rights, claims or title to water. 4. Any encroachment (of existing improvements located on the Land onto adjoining land or of existing improvements located on adjoining land onto the subject Land), encumbrance, violation, variation or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the subject Land. 5. Any lien or right to a lien for services, labor, material, equipment rental or workers compensation heretofore or hereafter furnished, imposed by law and not shown by the Public Records. SPECIFIC ITEMS AND EXCEPTIONS: 6. Rights of the public to any portion of the Land lying within the area commonly known as streets, roads and highways. 7. Please be advised that our search did not disclose any open Deeds of Trust of record. If you should have knowledge of any outstanding obligation, please contact the Title Department immediately for further review prior to closing. 8. A certified copy of a short -form death certificate for Keith L. Jackson, former vestee, must be furnished for recording. Note: Pursuant to ORS 432.355, as revised by 2014 Oregon Laws, Chapter 60, if the death certificate is from another state or the death occurred in Oregon prior to January 1, 2014, a long -form death certificate (that is, one containing medical information related to the cause of death) may be recorded. 9. Due probate and administration of the estate shown below. Personal representative appointed in said estate has power to execute the forthcoming conveyance to a bona fide purchaser. Estate of: Lois Mae Jackson, deceased Court: Circuit Probate No.: 20PBO1914 Personal Representative: Carol M. Lewelling Attorney for Estate: K. Joseph Trudeau 10. Note: We find no Notice of Completion recorded on said Land. P dein ryReport Pnn[ 11.24.20®08:19AM OR­SPS1-26 222012217 Order No.: 60222012217 11. If requested to issue an extended coverage ALTA loan policy, the following matters must be addressed: a) The rights of tenants holding under unrecorded leases or tenancies b) Matters disclosed by a statement as to parties in possession and as to any construction, alterations or repairs to the Land within the last 75 days. The Company must be notified in the event that any funds are to be used for construction, alterations or repairs. c) Any facts which would be disclosed by an accurate survey of the Land ADDITIONAL REQUIREMENTS/NOTES: A. Note: Property taxes for the fiscal year shown below are paid in full. Fiscal Year: 2020-2021 Amount: $241.03 Levy Code: 01937 Account No.: 0562734 Map No.: 18-02-05-23-00202 Prior to close of escrow, please contact the Tax Collector's Office to confirm all amounts owing, including current fiscal year taxes, supplemental taxes, escaped assessments and any delinquencies. B. In addition to the standard policy exceptions, the exceptions enumerated above shall appear on the final 2006 ALTA Policy unless removed prior to issuance. C. The Company will require the following documents for review prior to the issuance of any title insurance predicated upon a conveyance or encumbrance by the corporation named below: Name of Corporation: Bruce Wiechert Custom Homes Inc, an Oregon corporation a) A Copy of the corporation By-laws and Articles of Incorporation b) An original or certified copy of a resolution authorizing the transaction contemplated herein c) If the Articles and/or By-laws require approval by a'parent' organization, a copy of the Articles and By-laws of the parent J) A current dated certificate of good standing from the proper governmental authority of the state in which the entity was created The Company reserves the right to add additional items or make further requirements after review of the requested documentation. D. Note: There are no matters against the party(ies) shown belowwhich would appear as exceptions to coverage in a title insurance product: Parties: Bruce Wiechert Custom Homes E. Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report. P dein ryReport Pnn[ 11.24.20®08:19AM OR—SPS1-26 222012217 Order No.: 60222012217 G. Note: No utility search has been made or will be made for water, sewer or storm drainage charges unless the City/Service District claims them as liens (i.e. foreclosable) and reflects them on its lien docket as of the date of closing. Buyers should check with the appropriate city bureau orwater service district and obtain a billing cutoff. Such charges must be adjusted outside of escrow. H. Note: Effective January 1, 2008, Oregon law (ORS 314.258) mandates withholding of Oregon income taxes from sellers who do not continue to be Oregon residents or qualify for an exemption. Please contact your Escrow Closer for further information. I. THE FOLLOWING NOTICE IS REQUIRED BY STATE LAW: YOU WILL BE REVIEWING, APPROVING AND SIGNING IMPORTANT DOCUMENTS AT CLOSING. LEGAL CONSEQUENCES FOLLOW FROM THE SELECTION AND USE OF THESE DOCUMENTS. YOU MAY CONSULT AN ATTORNEYABOUT THESE DOCUMENTS. YOU SHOULD CONSULT AN ATTORNEY IF YOU HAVE QUESTIONS OR CONCERNS ABOUT THE TRANSACTION OR ABOUT THE DOCUMENTS. IF YOU WISH TO REVIEW TRANSACTION DOCUMENTS THAT YOU HAVE NOT SEEN, PLEASE CONTACT THE ESCROW AGENT. J. Recording Charge (Per Document) is the following: County First Page Each Additional Page Lane $87.00 $5.00 Note: When possible the company will record electronically. An additional charge of $5.00 applies to each document that is recorded electronically. Note: Please send any documents for recording to the following address: Portland Title Group Attn: Recorder 1433 SW 6th Ave. Portland, OR. 97201 K. Note: This map/plat is being furnished as an aid in locating the herein described Land in relation to adjoining streets, natural boundaries and other land. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the Company does not insure dimensions, distances or acreage shown thereon. Prdnin ryReport Pnn[ 11.24.20®08:19AM OR—SPS1-26 222012217 Order No.: 60222012217 NOTE: IMPORTANT INFORMATION REGARDING PROPERTY TAX PAYMENTS: Fiscal Year: July 1st through June 30th Taxes become a lien on real property, but are not yet payable: July 1st Taxes become certified and payable (approximately on this date): October 15th First one third payment of taxes is due: November 15th Second one third payment of taxes is due: February 15th Final payment of taxes is due: May 15th Discounts: If two thirds are paid by November 15th, a 2% discount will apply. If the full amount of the taxes are paid by November 15th, a 3% discount will apply. Interest: Interest accrues as of the 15th of each month based on any amount that is unpaid by the due date. No interest is charged if the minimum amount is paid according to the above mentioned payment schedule. Prdnin ryReport Pnn[ 11.20.20®08:19AM OR—SPS1-26 222012217 EXHIBIT ONE 2556 AMERICM LAND TITLE ASSOCIATION LOAN POLICY (56-1746) EXCLUSIONS FROM COVERAGE Tice following mailers are apresly wanted tram he mvakage of his policy and the Company will not pay loss or dam We, casts, wornet'stees «eryal NY aatt by mson d: 1 a(a) Am law, «tllnance or governmental mgu cion financing but rat limited to building and zoning) rezlaotlhg, rega atlhg, proMbids, or belatlng to If IM1e occupancy, use prepayment office Land, (II) mice N ddhorm o tl01or arlacdlon of any Impravemeitl aecletl on IM1e IoM; OIN mice mernaiaiondIoM;a ON emnrmmenml anyprobei be IM1e effns T of any Nn 1d) o shot laws, r limit rhes or gwanmatlal �ylada� This 6clmlon 1(a) ams ml motllty « limit the cwelage praNtlea aegC governmental Po4 5. (b) �gevmmenll polce power The dauslon l(b)ticesnot motllty or limit he rage progado win This ea B. 2. Rights at emlrcrt domain TM1Iz Rv'ahhslm aides rat mMity or that IM1e mvaage ptosed under Crnhea ; .a ]arra. 3. (aleck Ilens,ehcdnMmeMarx claims, b aatlef maters (a)notkno known to assumed «agrees to in the adopted Claim ant (b) not known Ie IM1e Demand Cl ml rec«Qa'm he sed i Ravtlz at Ode m any by but known to IM1e Clement to the and lid aiYoa Inrnact to theCompanyan Insured! by the Insured policy, prior to me ode me Inahhea etamat become an mated untlerlM1ls policy; (c) reahltlrg In m lazzoraamage to the Inmred (Caimed; (a) which, or seated subsquenl to Data of Pdl cy dwal his does rat matlty «limit IM1e coverage proWaea unser Cwaetl Rl sk 11,13, or 14), or (a) Immrg In Idea or damage rib[ wads not Ihakm been Widened it the Imvea Chad. M1aa paid aloe forms, traded Mortgage. 6 UrcnMcodllmy of lisp of Insured Mortgage bemutt NmM1e inability or below of W traded by mmgy win the cpglmde dalig-buanea laws of he date words he War is slashed 5. Imtlltlty or uanMm blllmy In whom or In part ofts, lisp al he Insured Mortgage NY aattz out of he barhmctlan MaspcM by the Fvea Mortgage and a backed rpsp uaryw any consdnerttetlt p owctlsp orhWlrtlenirg law. & AM data, by watch of IM1e apwa on N fedatl formal state Irhrlamy or similar crctltaz' runs law; tivt he barhsactlan cress, IM1e If- of IM1e traded Mortgage, lz (a) a frauaulenl conveyance or Indicator hamlet, or (b) a prelaarm al manager M any wrap ml ended! In he Owered Risk 13(b) of his policy. ]. Any lien on he Title for read easate Imes« assessments lm posed by gwernmabl summary and created or wad—firs, between Ode of Policy and IM1e dale of remralrg N IM1e Insured Mortgage In IM1e Public Rec«tls. This Excluston noes lid matlfy or limit the cowrage pruvltletl under Cowhand Rick 11Lo Thi pdoyf«m maybe issued to at«asilha SIaMaNCaerage« 6lenaea Cokw e. In addition to IM1e aMw Ehrdhul«a In«n Careage, the Eviceadonz from C adage In a Standard! C adage policy vett also include the following Evicepliens torn Caarage. SCHEDULE B -GENERAL EXCEPTIONS FROM COVERAGE Thlzpolcyaaez mtinewe Wants lox or damage hand he Compahywfll had IaymYz, whmays' fees or apenses) which ance by Mason W: 1. Taws or ax rax which and ml shown as etiding hsps by IM1e records of any <. Any encroachmans, andommat ce, vidatlon, aridlon, or ad— prommuccance akin aW ty tivt lows mass or madmmatls on real prcgaly«by the Rapid alleding the Title that would be decide! hymn accurate and crnplele land surbeyof Recams, promedlrgz by a Wdw agmry which may rawll in nixes or assessmeorz the Lantl. Tice term amdmed' troubles emroachments W wall ormtl«z of. peceetlngs wlhet. or not shown by IM1e Mczas of such Wendy Impavanadz medical an he rand add MIaIMng land, and encroachments aka IM1e or by IM1e RNIc Remroz. Lend ofalstlrg am,..Imama as Mldmrg lana. 2. Facts, rights, i4ee or dams which are not shown by IM1e Food Remoras as which 5. Any lien for xMm; labor or mdeaal M1eMwfore w middle furnished, or M could be ascammrca by an Inspection W the Land or by making lhal of peaom In conctodkounce clue to the gate N Oregon Mhnanplo3mat mmpervdan err.*sea possemion thereof cpm pensdlon, ImpmM bylaw and rat slcwn by he RNIc Remdz. 3. Easements, «a Imz al easement, net shown by the Public Ravaz; Mzaa armor cepllom In patspm or In Ads aNM1otzing the Issuance Namf water flgw, claims «line to water. 2556 AMERICAN LAN D TITLE ASSOCIATION OWNER'S POLICY (MI EXCLUSIONS FROM COVERAGE Tice following matters are wassail swamped from the nova tea, of his pblicy and IM1e Company will rat lay law w damage, cads, attorneys fees or water— Nat arm by mason of 1- (a) Any law, a imrm or governmental regulation (ndWng but rat limited to poll and xmI,) reMctlrg, Wompig, arch ted g arnmtlrg to PI IM1e mahaahmy. u:, weya3mert afore Lena; OI) IM1e Wx[er, tllmerd«awlac tlan diary Impravmeor eredea m IM1e land; OIN micedish;m ON eenrmmtnown- iof any position err IM1e nsaffectT of arty wet dm of Mese laws, rNlnamea w gakzmhertat mala ove This eek 5 t(a) ams rat meaity « limit the cwers7e proUtletl unaetCmreMtl al 5. (b) Alrygovmrovide udder power The IXduslon 1(b)ticesnot mMllywIlml[Ne magepmvitletl din This En Pock8. 2. Rights a rete erect domain This Exauatm saes not modify « limit this mver�e prwiDefirch, untlerOweretl ncen ] or 9. 3. (a)cresllens,emum assume atlrerx dalmz,«dnermdlea (a) created, suffered, assumed or Walked to by the Insured Claim ant, (b) had brawn m IM1e Company, M MmNed In IM1e Public Records d Dale W Policy, bJ spoken to he dared Claimant ad rat abYazed In writing to the company by he darMa awnad prior to he dale IM1e Imurea claimant became an Insures dMer Nlzpdwy, (c) Mmltlrg In m laxor damage to IM1e Inmred claimant, (a) atmor, or ceded subsequent to Date of Purley Mower, er, this does ml motllty orllmlt IM1e coverage provided underewaetl Risk 9 and 10), or (a) Msultlrg In box or damage that would ml bra been sustained it the Insures Cmmad had paid atm what Dam. AM data, by watch of IM1e rpeatlm N fedaat formal dice 'madvemy or similar xdhorl rights laws chat he barhxctlan cress, the Ilea of the Insured! Modgage is (a) a Inaraulml conveyance orfraWJe s bander, or (b) a preferential transfer for any reason rat stated In he Cowed Risk 9 of his Any lien on he Title for real estate Imas or asussmsptz Imgwd by governmental aJlwsly and sealed ordladvig between Dde of Pollcyand mw dale d recording W the tleetl or other instrument of transfer in he Public Records IM1d wads Title as drown In SCM1edule A. The has pdoyf«m maybe issued to sibs6ffie ndMCoverage« 6mnaea cmrerage InaerationmmeaWx ExdW«aInm Comage, the Exceadonz from C adage Ina Slarcarer Coverage policy vett also include the following Excepliens toe Cooperage. SCHEDULE B -GENERAL EXCEPTIONS FROM COVERAGE This polcyaaez mtlnsde Wants lax or damage (and he Cmpahywfll M IaymYz, attorneys' fees or appeases) which atce by March al 1. Tazes err rawexmspw wfilM and mtsMvm az etlding liras by IM1e recvaz al shy <. Any encroacM1mek, encumbrance, balsam, aridion, or adverse circumsWce rating aW ty tivt leAez takes or axeamertls on real property «by the Public alleaing the Title that would be awaxd byan accurate and complete land surbeyof Recams, promedkgz by a Wdw Well which may result In Imes or asseszmeorz, the Land Tice term amcFmerC' Induces enchourchuments W asstlng or mtlmz of such pacessall whether car rat known by IM1e records of such Wendy M pram mks located on he rand add adjoining land, and encroachments onto IM1e or by IM1e RNIC Records . Lana W apes,W Ira provemdoes meawa an adjdmrg lana. 2. From,rights, loraedz ar datmz MIM are ml anown by IM1e Public Records bN which S. Any lien for xrvices labor or mdeaal M1eMmMe or w—ftw furnished, or fed could be ascarmlrca by anlnew-ron of the Land or by making Inquiry of pirsem In oncautions due to the gate N OregenM unemployment comperh Tian or woAees possession thereof cm pensdden, imposed by lm and rat slcwn by he public Remcz. 3. Easements, or dams N easement, net shown by IM1e Public Ravaz; mz tions or ack-ohns, In patens or In Ads aNM1oczing IM1e Issuance Namf water cgtz, dams or the to wale. Preliminary RWW(Exhibit One) Panted 11.20.25®56:19AM OR—SPS1-254022201221] RESAFE,, Inquire before you wire! WIRE FRAUD ALERT This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non-exclusive self-protection strategies are recommended to minimize exposure to possible wire fraud. • NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. • ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. • USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. • USE MULTI -FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on howto implement this feature. For more information on wire -fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation: Internet Crime Complaint Center., thio//www.fbi.cov http://www.ic3.00v W. F ffil Alec Cnginal ERecM1ve Daze: 611112017 Cuneit Vavan Daze: 611112017 6 02 2 2012 21] -RS - W RE0016 (DSI Rei. 12/0]11])i TM eM ® Fide0ly Naziwiel Finennal, Ire. an&w an affiliate. All rigks reserved FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective April 9, 2020 Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF," "our," or 'We") respect and are committed to protecting your privacy. This Privacy Notice explains how we collect, use, and protect personal information, when and to whom we disclose such information, and the choices you have about the use and disclosure of that information. A limited number of FNF subsidiaries have their own privacy notices. If a subsidiary has its own privacy notice, the privacy notice will be available on the subsidiary's website and this Privacy Notice does not apply. Collection of Personal Information FNF may collect the following categories of Personal Information: • contact information (e.g., name, address, phone number, email address); • demographic information (e.g., date of birth, gender, marital status); • identity information (e.g. Social Security Number, driver's license, passport, or other government ID number); • financial account information (e.g. loan or bank account information); and • other personal information necessary to provide products or services to you. We may collect Personal Information about you from: • information we receive from you or your agent; • information about your transactions with FNF, our affiliates, or others; and • information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities or through others. Collection of Browsing Information FNF automatically collects the following types of Browsing Information when you access an FNF website, online service, or application (each an "FNF Website") from your Internet browser, computer, and/or device: • Internet Protocol (IP) address and operating system; • browser version, language, and type; • domain name system requests; and • browsing history on the FNF Website, such as date and time of your visit to the FNF Website and visits to the pages within the FNF Website. Like most websites, our servers automatically log each visitor to the FNF Website and may collect the Browsing Information described above. We use Browsing Information for system administration, troubleshooting, fraud investigation, and to improve our websites. Browsing Information generally does not reveal anything personal about you, though if you have created a user account for an FNF Website and are logged into that account, the FNF Website may be able to link certain browsing activity to your user account. Other Online Specifics Cookies. When you visit an FNF Website, a "cookie" may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer's hard drive. Information gathered using cookies helps us improve your user experience. For example, a cookie can help the website load properly or can customize the display page based on your browser type and user preferences. You can choose whether or not to accept cookies by changing your Internet browser settings. Be aware that doing so may impair or limit some functionality of the FNF Website. Nn ,B ..t PnntW: 11.N.M®08:19AMby ORWN A. ORf -FEUD-015M.4700038022201=1] Web Beacons. We use web beacons to determine when and how many times a page has been viewed. This information is used to improve ourwebsites. Do Not Track. Currently our FNF Websites do not respond to 'Do Not Track' features enabled through your browser. Links to Other Sites. FNF Websites may contain links to unaffiliated third-partywebsites. FNF is not responsible for the privacy practices or content of those websites. We recommend that you read the privacy policy of every website you visit. Use of Personal Information FNF uses Personal Information forthree main purposes: • To provide products and services to you or in connection with a transaction involving you. • To improve our products and services. • To communicate with you about our, our affiliates', and others' products and services, jointly or independently. When Information Is Disclosed We may disclose your Personal Information and Browsing Information in the following circumstances: • to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; • to nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to use the information only to provide such services or functions; • to nonaffiliated third party service providers with whom we perform joint marketing, pursuant to an agreement with them to jointly market financial products or services to you; • to law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order; or • in the good -faith belief that such disclosure is necessary to comply with legal process or applicable laws, or to protect the rights, property, or safety of FN F, its customers, or the public. 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By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. Security of Your Information We maintain physical, electronic, and procedural safeguards to protect your Personal Information. Choices With Your Information If you do not want FNF to share your information among our affiliates to directly market to you, you may send an ..opt out" request by email, phone, or physical mail as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent. Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information, FNF may not be able to provide certain services or products to you. Nn ,B ..t PnntW: 11.XM®08:19AMby ORWN A. ORf -FEUD-015M.4700038022201=1] For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. For additional information about your California privacy rights, please visit the "California Privacy" link on our website (httos://fnf.com/oases/californiaorivacv.asoxl or call (888) 413-1748. For Nevada Residents. You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: BCPINFOQag.state.nv.us. For Oreoon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Information From Children The FNF Websites are not intended or designed to attract persons under the age of eighteen (18). We do not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a parent or guardian. International Users FNF's headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection, transfer, and use of such information in accordance with this Privacy Notice. FNF Website Services for Mortgage Loans Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the "Service Websites"). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender's privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender's privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except as required or authorized by contract with the mortgage loan servicer or lender, or as required by law or in the good -faith belief that such disclosure is necessary: to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights, property, or safety of FNF or the public. Your Consent To This Privacy Notice: Notice Changes: Use of Comments or Feedback By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The Privacy Notice's effective date will show the last date changes were made. If you provide information to us following any change of the Privacy Notice, that signifies your assent to and acceptance of the changes to the Privacy Notice. We may use comments or feedback that you submit to us in any manner without notice or compensation to you. Nn ,B ..t PnntW: 11.24.20®08:19AMby ORO1047A. OR+ -FEUD-015M.4700038022201=17 Accessing and Correcting Information; Contact Us If you have questions, would like to correct your Personal Information, or want to opt -out of information sharing for affiliate marketing, send your requests to privacy@fnf.com, by phone to (888) 934-3354, or by mail to: Fidelity National Financial, Inc. 601 Riverside Avenue, Jacksonville, Florida 32204 Attn: Chief Privacy Officer Nn 'B ..t PnntW: 11.24.20®08:19AMby ORWN A. OR+ -FEUD-01520.4700038022201221]