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HomeMy WebLinkAboutDeed APPLICANT 1/27/20230 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 ry Report Pnn[ 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 ESCROW OFFICER: TITLE OFFICER: 0-,,,„ Fidelity National Title = COmpazry of oreg0c 3007 North Delta Hwy., Ste 206, Eugene, OR 97408 (541)3453660 FAX (541)345-3678 PRELIMINARY REPORT Wanda Carter Wanda.Carter@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: MAIA, LLC, an Oregon limited liability company BUYER/BORROWER: JKT Investments LLC, an Oregon limited liability company PROPERTY ADDRESS: 2125 Marcola Road, Springfield, OR 97477 ORDER NO.: 60222203418 EFFECTIVE DATE: May 5, 2022, 08:00 AM 1. THE POLICY AND ENDORSEMENTS TO BE ISSUED AND THE RELATED CHARGES ARE: ALTA Owner's Policy 2006 Owlar s Sla dwd Government Lien Search AMOUNT PREMIUM $ 2,200,000.00 $ 3,900.00 $ 10.00 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: MAIA, LLC, an inactive Oregon limited liability company 4. THE LAND REFERRED TO IN THIS REPORT IS SITUATED IN THE CITY OF SPRINGFIELD, COUNTY OF LANE, STATE OF OREGON, AND IS DESCRIBED AS FOLLOWS: SEE EXHIBIT "A" ATTACHED HERETO AND MADE PART HEREOF P dein ry Report Pnnl 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 Order No.: 60222203418 EXHIBIT "A" Legal Descnption Commencing at the Brass Cap marking the Southwest corner of the Felix Scott Jr. D.L.C. No. 51 dated 1971, said corner also marking the centerline of Marcola Road; thence along the South line of said Felix Scott D.L.C. No. 51 South 88°03'19" East 584.01 feet; thence leaving the South line of the Felix Scott D.L.C. No. 51 and bearing South 01°55'55" West 35.00 feet to a point on the South margin of Marcola Road, said point being 35.00 feet from, when measured at right angle to, the centerline of Marcola Road, said point also being the True Point of Beginning; thence leaving the South margin of Marcola Road and continuing South 01°55'55" West 688.94 feet to a point on the North margin of Eugene -Springfield Highway 1-105; thence along the North margin of Eugene -Springfield Highway 1-105 South 85°39'30" East 296.98 feet to a point, said point being on the Southerly projection of the West margin of 22nd Street; thence leaving the North margin of Eugene -Springfield Highway 1-105 and along the West margin of 22nd Street and its Southerly projection North 01°46'11" East 701.36 feet to a point on the South margin of Marcola Road, said point being 35.00 feet from, when measured at right angles to, the centerline of Marcola Road; thence along the South margin of Marcola Road North 88°03'19" West 294.73 feet to the True Point of Beginning, all in the City of Springfield, Lane County, Oregon. Prdm nre Report Pnn[ 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 Order No.: 60222203418 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. Unpaid Property Taxes are as follows: Fiscal Year: 2019-2020 Amount: $7,772.12, plus interest, if any Unpaid Property Taxes are as follows: Fiscal Year: 2020-2021 Amount: $8,013.09, plus interest, if any Unpaid Property Taxes are as follows: Fiscal Year: 2021-2022 Amount: $8,254.10, plus interest, if any Levy Code: 01900 Account No.: 203586 Map No.: 17-03-25-13-00800 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. 7. City lien in favor of the City of Springfield, Purpose: Assessment Amount: $1,403.21, plus interest and penalties, if any. Reference No: Tracking No. 2109218 P dein ry Report Pnn[ 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 Order No.: 60222203418 Rights of the public to any portion of the Land lying within the area commonly known as streets, roads and highways. The ownership of said Land does not include rights of access to or from the street, highway, or freeway abutting said Land, such rights having been relinquished by the document, Recording Date: December 14, 1961 Recording No: 53325 10. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: City of Springfield Purpose: sanitary sewer Recording Date: July 1, 1983 Recording No: 8322857 11. Waiver and Agreement, including the terms and provisions thereof Recording Date: July 1, 1983 Recording No.: 8322858 12. Improvement Agreement, including the terms and provisions thereof Recording Date: September 28, 1983 Recording No.: 8334980 13. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: City of Springfield Purpose: public water utility easement Recording Date: February 8, 1984 Recording No: 8404454 14. Land Use Agreement, including the terms and provisions thereof Recording Date: February 8, 1984 Recording No.: 8404455 15. Notice of Improvement of Marcola Road, including the terms and provisions thereof Recording Date: March 23, 1987 Recording No.: 8717455 16. Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to: City of Springfield Purpose: utility easement Recording Date: September 16, 1999 Recording No: 99079669 17. 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. P dein ry Report Pnn[ 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 Order No.: 60222203418 18. The Company will require the following documents for review prior to the issuance of any title insurance predicated upon a conveyance or encumbrance from the entity named below. Limited Liability Company: MAIA, LLC„ an Oregon limited liability company a. A copy of its operating agreement, if any, and any and all amendments, supplements and/or modifications thereto, certified by the appropriate manager or member. b. If a domestic Limited Liability Company, a copy of its Articles of Organization and all amendment thereto with the appropriate fling stamps. c. If the Limited Liability Company is member -managed a full and complete current list of members certified by the appropriate manager or member. J. A current dated certificate of good standing from the proper governmental authority of the state in which the entity was created e. If less than all members, or managers, as appropriate, will be executing the closing documents, furnish evidence of the authority of those signing. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. The Oregon Corporation Commission records show that as of May 7, 2022, MAIA, LLC is an inactive Oregon limited liability company and is due for renewal. 19. 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 ortenancies 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. In addition to the standard policy exceptions, the exceptions enumerated above shall appear on the final 2006 ALTA Policy unless removed prior to issuance. Prdnin ry Report Pnn[ 06.07.=@01:1813M OR—SPS1-22-80222203018 Order No.'. 60222203418 B. The Company will require the following documents for review prior to the issuance of any title insurance predicated upon a conveyance or encumbrance from the entity named below. Limited Liability Company: XT Investments LLC, an Oregon limited liability company a. A copy of its operating agreement, if any, and any and all amendments, supplements and/or modifications thereto, certified by the appropriate manager or member. b. If a domestic Limited Liability Company, a copy of its Articles of Organization and all amendment thereto with the appropriate fling stamps. c. If the Limited Liability Company is member -managed a full and complete current list of members certified by the appropriate manager or member. J. A current dated certificate of good standing from the proper governmental authority of the state in which the entity was created e. If less than all members, or managers, as appropriate, will be executing the closing documents, furnish evidence of the authority of those signing. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. The Oregon Corporation Commission records show that as of May 7, 2022, XT Investments LLC is an active Oregon limited liability company and is currently in good standing. C. Note: There are no matters against the party(ies) shown belowwhich would appear as exceptions to coverage in a title insurance product: Parties: XT Investments LLC, an Oregon limited liability company D. Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report. E. 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. F. 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. G. 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. P dein ry Report Pnn[ 05.0].22 ® 01:18 PM OR—SPS1-22-80222203018 Order No.: 60222203418 H. 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 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. 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. K. 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 ry Report Pnn[ 05.07.22 ® 01:18 PM OR—SPS1-22-80222203018 EXHIBIT ONE 2006 AMERICM LAND TITLE ASSOCIATION LOAN POLICY (06-1746) EXCLUSIONS FROM COVERAGE Tice following mailers are apresly wanted tram he mvakage 01 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 0t emlrcrt domain TM1Iz Rv'ahhslm aides rat mMity or that IM1e mvaage ptosed under Crnhea ; .a ]aria. 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 Oemand 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. 8 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 makOg lhal of peaom In conctodkounce clue to the State 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. 2006 AMERICAN LAN D TITLE ASSOCIATION OWNER'S POLICY (MI EXCLUSIONS FROM COVERAGE Tice following matters are wassail swamped from the nova tea, 0f 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 0f 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 8. 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 sibsdMer Sm MCoverage« 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 State 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 Repel (Exhibit One) Panted 05.07.22 ® 0I:18 PM OR—SPS1-22,0222203018 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., tttp:/Aw fbi.cov http://wwwJc3.00v W. Fraud Alec Onginaz Eff c!, a Daze: SI11=17 Cun tVa wDaze: SI11=17 6022220301&M- WREM16 (DS1 Rei. 12/07117)i TMsd ® FN Nty Naziwiel Finannal, Ire. an&w an affiliate. AN rgrcs reseved FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective January 1, 2021 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. 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Be aware that doing so may impair or limit some functionality of the FNF Website. Web Beacons. We use web beacons to determine when and how many times a page has been viewed. This information is used to improve ourwebsites. Do Not Track. Currently our FNF Websites do not respond to "Do Not Track" features enabled through your browser. Nn ,B ..t PnntW: OS.Q =®01:18PMby Tr ORWN A. ORf -F UC 1520.47000890222208018 Links to Other Sites. FNF Websites may contain links to unaffiliated third -party websites. 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 FNF, its customers, or the public. The law does not require your prior authorization and does not allow you to restrict the disclosures described above. Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such disclosure. We do not otherwise share your Personal Information or Browsing Information with nonaffiliated third parties, except as required or permitted by law. We may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see "Choices with Your Information" to learn howto restrict that sharing. We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the bereft of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above described proceedings. 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 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. 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 (https:/Ifnf.com/pages/californiapriyacy.aspx) or call (888) 413-1748. Nd ,B ..t PdntW: OS.p =®01:18PMby Tr ORD1047.d. OR+ -FEUD-01520.47000890222203418 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 Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Information From Children The FNF Websites are 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. 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, visit FN F's Opt Out Page or contact us by phone at (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: OS.p =®01:18PMby Tr ORp1047A. OR+ -FEUD-01520.47000890222203418