Loading...
HomeMy WebLinkAboutADM120014 ADMINISTRATIVE ACTION FORM Department of Community Development 75 South Frontage Road Vail, CO 81657 tel: 970-479-2138 fax: 970-479-2452 web: www.vailgov.com Project Name:BISHOP PARK REPLAT Application Type:CondThPl ADM Number: ADM120014 Parcel: 2101-082-6000-2 Project Description:AMENDED CONDO PLAT FOR BISHOP PARK CONDOMINIUMS Participants: OWNER SNOWSPORTS LLC 12/04/2012 1000 S FRONTAGE RD W STE 200 VAIL, CO 816575080 APPLICANT BISHOP PARK HOMEOWNERS ASSOC 12/04/2012 Phone: 970-476-1692 C/O MIKE PHILLIPS PO BOX 1403 VAIL CO 81658 Project Address:63 WILLOW PL VAIL Location: BISHOP PARK CONDOS UNITS 2, 3, 8 Legal Description: Lot: 1 & Block: Subdivision: BISHOP PARK CONDO Comments: BOARD/STAFF ACTION Motion By: Action: STAFFAPR Second By: Vote: Date of Approval: 12/07/2012 Meeting Date: Conditions: Cond: 8 (PLAN): No changes to these plans may be made without the written consent of Town of Vail staff and/or the appropriate review committee(s). Planner:Bill Gibson DRB Fee Paid: $100.00 TOWN OF VAIL/ Department of Community Development 75 South Frontage Road Vail, CO 81657 Tel: 970 - 479 -2128 www.vailgov.com Development Review Coordinator Administrative Application Condominium and Townhouse Plat General Information: Condominium and townhouse plats which do not constitute "conversions" from rental as defined in Section 13 -7 -2, Definitions, Vail Town Code may be approved by the administrator, subject to review by other Town of Vail departments. Please see Section 13 -6, Condominium and Townhouse Plats, Vail Town Code for more detailed information. Vail Town Code can be found on the Town's website at www.vailgov.com. Fee: $100 Recording Fees: Please visit the Eagle County website http: / /www.eaglecounty.us /clerk /publicRecords.cfm for the most up -to -date recording fees and check with your planner prior to submitting the payment. A check written out to the Eagle County Clerk and Recorder is required to be submitted once the plat has been approved by the Planning and Environmental Commission and prior to the recording of the plat. Description of the Request: Approval of amended condominium plat for Bishop Park Condominiums Physical Address: 43 & 63 Willow Place Parcel Number: 2101 - 082 -60 -0 +unit number (Contact Eagle Co. Assessor at 970 - 328 -8640 for parcel no.) Property Owner: Bishop Park Homeowners' Association Mailing Address: c/o Mike Phillips, PO Box 1403, Vail, CO 81658 Phone: 970- 476 -1692 Owner's Signature: Primary Contact/ Owner Represen tive: Greg Perkins, attorney for Bishop Park Homeowners' Association Mailing Address: 710 West Lionshead Circle, Suite B, Vail, CO 81657 Phone: 970- 306 -7554 E -Mail: greg @gperkinslaw.com Fax: 866- 393 -9835 For Office Use Only: Cash_ CC: Visa / MC Last 4 CC # Auth # Check # Fee Paid: *1D0.00 Meeting Date: Planner: Received From: — ar- -rio z.y Rn RKIw1S 210 - ADM No.: fiUn IQ of) Il Project No: PRJ 1c! -- 0 12 Co Zoning: Land Use: Location of the Proposal: Lot: 00t Block: 0 Subdivision: VA II, VI LL V.A t oU6I AMENDMENT TO CONDOMINIUM DECLARATION FOR BISHOP PARK CONDOMINIUMS THIS AMENDMENT TO CONDOMINIUM DECLARATION FOR BISHOP PARK CONDOMINIUMS (the "Amendment ") is made effective as of the date of its recording in the real property records of Eagle County, Colorado. RECITALS A. This Amendment is to the Condominium Declaration for Bishop Park Condominiums dated September 28, 1987, and recorded in the real property records of Eagle County, Colorado, on November 12, 1987 in Book 473 at Page 962, under Reception No. 370178 (the "Declaration "). Capitalized terms used in this Amendment without separate definition shall have the meaning ascribed to them in the Declaration. B. The Owners of Condominium Units within the Project desire to amend the Declaration to update and modernize certain provisions thereof and to provide for the efficient management and operation of the Association and the Project. C. The Bishop Park condominiums community was created upon the filing of the Declaration, which predated the enactment of the Colorado Common Interest Ownership Act, Article 33.3, Title 38, Colorado Revised Statutes (the "Act "). Pursuant to Section 38- 33.3 -117 of the Act, certain sections of the Act govern matters with respect to communities created prior to enactment of the Act. In particular, Section 38-33.3-117(1-5)(d) of the Act provides that all events or circumstances occurring after January 1, 2006, are governed by the Act. Accordingly, an amendment to the Declaration proposed after January 1, 2006, is governed by the Act. Pursuant to Section 38- 33.3- 217(1)(a)(I) of the Act, the Declaration may be amended generally by affirmative vote of 67% of the voting interest of Owners of Units in the Project notwithstanding the fact that Section 32.13 of the Declaration requires a vote of 75% of the aggregate ownership interests in the Association to effect an amendment. However, because this Amendment, in part, effects a change in the ownership interests in the Association, Section 38-33.3 - 217(4)(a) of the Act permits the Declaration to require a larger percentage to effect an amendment. Section 32.13 of the Declaration requires unanimous consent of all Owners and Mortgagees to amend in a manner that decreases the undivided interest of any Owner, and due to the nature of this amendment such approval is required. D. The certificate of the Association attached hereto certifies that the unanimous consent of all Owners and Mortgagees has been obtained to effect this Amendment. NOW, THEREFORE, the Declaration is hereby amended as follows: 1. Amendment of Condominium Map. The proposed amendment to the Map of the Project titled "Amended Condominium Plat Bishop Park Condominiums Units 2, 3 & 8 ", prepared by Gore Range Surveying, Avon, Colorado and dated August 11, 2011 (the "Map Amendment') is hereby approved by the Owners and Mortgagees. Any member of the Board of Managers of the Association is authorized to execute the Map Amendment on behalf of the Association, the Owners and the Mortgagees and to record the Map Amendment in the real property records of Eagle County, Colorado. Following recording, the Association is authorized to execute and deliver a quitclaim deed for each of Units 2, 3 and 8 and deliver same to the Owners of such Units in order to convey any interest in the Common Elements converted into those Units to the Owners thereof. As required by Section 20.A of the Declaration, the Mortgagees hereby consent to the transfer of the Common Elements as described herein. 2. Amendments to Declaration. The Owners and Mortgagees hereby approve the following amendments to the Declaration: a. Exhibit A. The Exhibit A attached to the Declaration is hereby deleted in its entirety and replaced with the Exhibit A attached to this Amendment. The changes to the Percentage Interest in Common Elements appurtenant to each Unit are hereby specifically approved by the Owners and Mortgagees. b. Section 3.H. Section 3.1-1 of the Declaration is hereby amended by the addition of the following sentence to the end thereof: "For purposes of clarity, each Condominium Apartment shall be deemed to include all components of all exterior doors and windows described above as comprising a portion of the boundary of such Condominium Apartment, including, without limitation, all door and window frames, hardware, and all glass." C. Section 12. Section 12 of the Declaration is hereby deleted in its entirety and replaced with the following: No exterior or structural addition to or change or alteration to any Unit or the Common Elements (including the construction of any additional skylight, window, awning or door) shall be made until the plans and specifications showing the nature, kind, shape, height, color, materials and location of the same shall have been submitted to and approved in writing by the Board of Managers. As a condition of such approval, the Board may require the Owner to enter into such agreements and indemnifications with the Association as the Board shall deem appropriate to protect the interests of the Association and the other Owners. After receiving the approval of the Board, the Owner required to obtain such approval shall thereafter obtain all other approvals as may be required by any governmental or quasi - governmental body having jurisdiction over the Property. d. Section 13_B. Section 13.B of the Declaration is hereby deleted in its entirety and replaced with the following: B. Nothing herein contained shall impair the lien of the Association for unpaid condominium fees or any amount properly due the Association, and such lien shall be prior and senior to any other lien excepting only liens which are granted priority over the Association's lien pursuant to applicable Colorado law, and in such event only to the extent of the priority granted by applicable Colorado law. The recording of this Agreement shall be notice to all lien claimants of the seniority of the lien established for condominium fees or assessments. In the event the Association is required to maintain an action for the collection of any such lien, the Association shall be entitled to an award of interest, at the rate established by law, on such amount due and to reasonable attorneys' fees. C. Section 19.C. The following two sentences are hereby deleted from the end of Section 19.0 of the Declaration: "No person shall serve on the Board of Managers unless such person is in good standing ", which means that he has currently paid all assessments and charges billed to him. If a member of the Board of Managers is not in good standing, he shall be deemed automatically removed as a Page 2 member of the Board of Managers, and the remaining members shall choose a successor member of the Board of Managers, who shall be in good standing." f. Section 20.A. Section 20.A of the Declaration is hereby deleted in its entirety and replaced with the following: A. Association as Attorney -in -Fact for Owners. The Association is hereby irrevocably appointed attomey -in -fact for the Owners, and each of them, to manage, control and deal with the interest of such Owners in the Common Elements so as to permit the Association to fulfill all of its duties and obligations hereunder and to exercise all of its rights hereunder, to deal with the Project upon its destruction or obsolescence as hereinafter provided, and to grant utility easements through any portion of the Common Elements. The acceptance by any Person of any interest in any Unit shall constitute an appointment of the Association as attorney -in -fact as provided above and hereinafter. The Association shall be granted all of the powers necessary to govern, manage, maintain, repair, administer and regulate the Project and to perform all of the duties required of it. g. Section 20.G. Section 20.G of the Declaration is hereby deleted in its entirety and replaced with the following: G. Mortgagee Inspection. The Association shall grant to each Mortgagee of a Condominium Unit the right, upon reasonable advance written notice, to examine this Declaration, Articles, Bylaws and the books and records of the Association at any reasonable time. h. Section 24.D. The following two sentences are hereby deleted from the end of Section 24.D of the Declaration: "Determination of maximum replacement value shall be made annually by one (1) or more written appraisals to be furnished by a person, knowledgeable of replacement costs, and each Mortgagee shall be furnished with a copy thereof, within thirty (30) days after receipt of such written appraisals. Such amounts of insurance shall be contemporized annually in accordance with their currently determined maximum replacement value." i. Section 26.C. Section 26.0 of the Declaration is hereby deleted in its entirety and replaced with the following: C. The assessments (including installments of the assessments) arising under the provisions of this Declaration (together with any and all interest, costs, late charges, expenses and reasonable attorneys' fees, including legal assistants' fees charged in connection therewith) shall be burdens running with, and a perpetual lien in favor of the Association upon, the specific Unit to which such assessments apply. To further evidence such lien upon a specific Unit, the Association may, but shall not be obligated to, prepare a written lien notice setting forth the description of the Unit, the amount of assessments on the Unit unpaid as of the date of such lien notice, the rate of default interest if any, the name of the Owner or Owners of the Unit, and any and all other information that the Association may deem proper. Any such lien notice shall be signed by a member of the Board, an officer of the Association, the Page 3 Association's legal counsel, or the Managing Agent and shall be recorded in the Office of the Clerk and Recorder of Eagle County, Colorado. Any such lien notice shall not constitute a condition precedent or delay the attachment of the lien, but such lien is a perpetual lien upon the Unit and attaches without notice at the beginning of the first day of any period for which any assessment is levied. If any assessment (or any installment of the assessment) is not fully paid within thirty (30) days after the same becomes due and payable, then as often as the same may happen, (i) interest shall accrue at the rate of 12% per annum on any amount of the Assessment which was not paid within such 30 -day period or on the amount of assessment in default, whichever shall be applicable, accruing from the due date until date of payment, (ii) the Association may declare due and payable all unpaid monthly or other installments of any assessment otherwise due during the fiscal year during which such default occurred, (iii) the Association may thereafter bring an action at law or in equity, or both, against any Owner personally obligated to pay the same, and (iv) the Association may proceed to foreclose its lien against the particular Unit in the manner and form provided by Colorado law for foreclosure of real estate mortgages. An action at law or in equity by the Association against an Owner to recover a money judgment for unpaid assessments (or any installment thereof) may be commenced and pursued by the Association without foreclosing or in any way waiving the Association's lien for the assessments. If any such assessment (or installment thereof) is not fully paid when due and if the Association commences such an action (or counterclaims or cross - claims for such relief in any action) against any Owner personally obligated to pay the same, or proceeds to foreclose its lien against the particular Unit, then all unpaid installments of annual and special assessments and all default assessments (including any such installments or assessments arising during the proceedings of such action or foreclosure proceedings), any late charges, any accrued interest, the Association's costs, expenses and reasonable attorneys' fees (including legal assistants' fees) incurred for any such action and/or foreclosure proceedings shall be taxed by the court as part of the costs of any such action or foreclosure proceedings and shall be recoverable by the Association from any Owner personally obligated to pay the same and from the proceeds from the foreclosure sale of the particular Unit in satisfaction of the Association's lien. Foreclosure or attempted foreclosure by the Association of its lien shall not be deemed to estop or otherwise preclude the Association from again foreclosing or attempting to foreclose its lien for any subsequent assessments (or installments thereof) which are not fully paid when due. The Association shall have the power and right to bid in or purchase any Unit at foreclosure or other legal sale and to acquire and hold, lease, or mortgage the Unit, and to convey, or otherwise deal with the Unit acquired in such proceedings. Section 31.E. Section 31.E of the Declaration is hereby deleted in its entirety. Page 4 k. Section 32.B. Section 32.13 of the Declaration is hereby deleted in its entirety and replaced with the following: B. Amendment and Termination. Any provision contained in this Declaration may be amended or additional provisions may be added to this Declaration, or this Declaration and Condominium Apartment ownership of the Project may be terminated or revoked, by the recording of a written instrument or instruments specifying the amendment or addition or the fact of termination and revocation, executed by the Owners, as shown by the records in the office of the Clerk and Recorder of the County of Eagle, Colorado, of Units representing an aggregate ownership interest of not less than 67% (sixty -seven percent) of the Common Elements; provided, however, that in no event shall the undivided interest of an Owner be decreased without the unanimous consent of each Owner, and provided that Paragraph 14 -E hereof shall not be amended or revoked without the written consent of the Town of Vail. 3. Ratification of Terms. Except as herein expressly amended and modified hereby, all the terms and provisions of the Declaration remain unchanged and in full force and effect. 4. Conflict Between Documents. In case of any conflict between the terms of this Amendment and the Declaration, the provisions hereof shall prevail. IN WITNESS WHEREOF, the undersigned Association hereby certifies that the foregoing amendments have been approved by the requisite percentage of Owners and Mortgagees, and evidence of same is available in the records of the Association. Bishop Park Homeowners' Association, a Colorado noprofit corporation By: Name: Douglas Tansill Title: President STATE OF (On nF.e'h(. r ) r r ) ss: COUNTY OF -1'Gr , 14) TIk The foregoing document was acknowledged before me this 2R day ofM2012, by Douglas Tansill as President of Bishop Park Homeowners Association, a Colorado nonprofit corporation. WITNESS MY HAND AND OFF1C My Commission expires: 7 tary ublicUj EN E. MORRISSEY Notary Public Commission # 115931 MY mission Expires July 31, 2017 Page 5 American Land Title Association Conu itment — 1982 TITLE INSURANCE COMMITMENT BY slewart title guaranty company Order Number: 6037978a We agree to issue policy to you according to the terms of the Commitment. When we show the policy amount and your name as the proposed insured in Schedule A, this Commitment becomes effective as of the Commitment Date shown in Schedule A. If the Requirements shown in this Commitment have not been met within six months after the Commitment Date, our obligation under this Commitment will end. Also, our obligation under this Commitment will end when the Policy is issued and then our obligation to you will be under the Policy. Our obligation under this Commitment is limited by the following: The Provisions in Schedule A. The Requirements in Schedule B -I. The Exceptions in Schedule B -II. The Conditions on Page 2. This Commitment is not valid without SCHEDULE A and Sections I and II of SCHEDULE B. THIS COMMITMENT IS NOT AN ABSTRACT, EXAMINATION, REPORT OR REPRESENTATION OF FACT OR TITLE AND DOES NOT CREATE AND SHALL NOT BE THE BASIS OF ANY CLAIM FOR NEGLIGENCE, NEGLIGENT MISREPRESENTATION OR OTHER TORT CLAIM OR ACTION. THE SOLE LIABILITY OF COMPANY AND ITS TITLE INSURANCE AGENT SHALL ARISE UNDER AND BE GOVERNED BY PARAGRAPH 4 OF THE CONDITIONS. IN WITNESS WHEREOF, Stewart Title Guaranty Company has caused its corporate name and seal to be hereunto affixed by its duly authorized officers on the date shown in Schedule A. F stevvart Countersigned: t/ . W Authorized Countersignature Stewart Title of Colorado - Vail Division 97 Main St.. Suite W -201 Edwards, CO 81632 09-f§ 4. Tull /•ti Order Number: 6037978a Page 1 of 2 Commitment — 235 W/O Disclosure COMMITMENT FOR TITLE INSURANCE SCHEDULE A t. Effective Date: August 15, 2006 at 8:00 a.m. 2. Policy or Policies To Be Issued: a) A.L.T.A. Owner's b) A.L.T.A. Loan Order No.: 6037978a Amount of Insurance 3. The estate or interest in the land described or referred to in this Commitment and covered herein is: Fee Simple 4. Title to the Fee Simple estate or interest in said land is at the effective date hereof vested in: THE RICHARD AND BONNIE REISS REVOCABLE TRUST DATED DECEMBER 13, 2000, A NEW YORK TRUST 5. The land referred to in this Commitment is described as follows: Condominium Unit 3 BISHOP PARK CONDOMINIUMS According to the Condominium Map recorded November 12, 1987 in Book 473 at Page 961 as Reception No. 370177 and as defined and described in the Condominium Declaration recorded November 12, 1987 in Book 473 at Page 962 as Reception No.370178 COUNTY OF EAGLE STATE OF COLORADO Purported Address: 63 Willow Place Condominium 3 Vail, Colorado 81658 STEWART TITLE GUARANTY COMPANY Commitment —Schedule A Page 1 of 1 STATEMENT OF CHARGES These charges are due and payable before a Policy can be issued: SEARCH FEE: $560.00 COMMITMENT FOR TITLE INSURANCE SCHEDULE B — Section 1 REQUIREMENTS Order Number: 6037978a The following are the requirements to be complied with: 1. Payment to or for the account of the grantor(s) or mortgagor(s) of the full consideration for the estate or interest to be insured. 2. Proper instrument(s) creating the estate or interest to be insured must be executed and duly filed for record, to wit: 3. NONE; This report has been prepared for informational purposes only. STEWART TITLE Order Number: 6037978a GUARANTY COMPANY Commitment — Schedule B l Page I of I COMMITMENT FOR TITLE INSURANCE SCHEDULE B — Section 2 EXCEPTIONS Order Number: 6037978a The policy or policies to be issued will contain exceptions to the following unless the same are disposed of to the satisfaction of the Company: 1. Rights or claims of parties in possession, not shown by the public records. 2. Easements, or claims of easements, not shown by the public records. 3. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any facts, which a correct survey and inspection of the premises would disclose, and which are not shown by the public records. 4. Any lien, or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by laws and not shown by the public records. 5. Defects, liens, encumbrances, adverse claims or other matters, if any, created first appearing in the public records or attaching subsequent to the effective date hereof, but prior to the date the proposed insured acquires of record for value the estate or interest or mortgage thereon covered by this commitment. 6. Unpatented mining claims, reservations or exceptions in patents, or an act authorizing the issuance thereof; water rights, claims or title to water. 7. Any and all unpaid taxes and assessments and unredeemed tax sales. 8. The effect of inclusions in any general or specific water conservancy, fire protection, soil conservation or other district or inclusion in any water service or street improvement area. 9. Reservations or exceptions contained in U.S. Patents, or in Acts authorizing the issuance thereof, recorded in Book 48 at Page 475, reserving 1) Rights of the proprietor of a vein or lode to extract and remove his ore therefrom and 2) rights of way for ditches and canals constructed under the authority of the United States. 10. Protective Covenants for Vail Village First Filing, recorded August 10, 1962 in Book 174 at Page 179 as Reception No. 96381. 11. All matters shown on the plat of Vail Village First Filing. 12. All matters shown on the plat of Bishop Park recorded August 5, 1986 in Book 446 at Page 305 as Reception No. 342548. 13. All matters shown on the map of Bishop Park Condominiums recorded November 12, 1987 in Book STEWART TITLE Order Number: 6037978a GUARANTY COMPANY Commitment — Schedule H 2 Page I of 2 473 at Page 961 as Reception No. 370177. 14. Condominium Declaration for Bishop Park Condominiums recorded November 12, 1987 in Book 473 at Page 962 as Reception No.370178. 15. Any and all existing leases and tenancies. 16. Any and all assessments or expenses which may be due and payable to Bishop Park Condominium Association. STEWART TITLE Order Number: 6037978a GUARANTY COMPANY Commitment — Schedule B 2 Page 2 of 2 DISCLOSURES Pursuant to C.R.S. 10 -11 -122, notice is hereby given that: A. THE SUBJECT REAL PROPERTY MAY BE LOCATED IN A SPECIAL TAXING DISTRICT; B. A CERTIFICATE OF TAXES DUE LISTING EACH TAXING JURISDICTION SHALL BE OBTAINED FROM THE COUNTY TREASURER OR THE COUNTY TREASURER'S AUTHORIZED AGENT; C. INFORMATION REGARDING SPECIAL DISTRICTS AND THE BOUNDARIES OF SUCH DISTRICTS MAY BE OBTAINED FROM THE BOARD OF COUNTY COMMISSIONERS, THE COUNTY CLERK AND RECORDER, OR THE COUNTY ASSESSOR NOTE: Colorado Division of Insurance Regulations 3 -5 -1, Paragraph C of Article VII requires that "Every title entity shall be responsible for all matters which appear of record prior to the time of recording whenever the title entity conducts the closing and is responsible for recording or filing of legal documents resulting from the transaction which was closed." Provided that Stewart Title of Colorado - Vail Division conducts the closing of the insured transaction and is responsible for recording the legal documents from the transaction, exception number 5 will not appear on the Owner's Title Policy and the Lender's Title Policy when issued. NOTE: Affirmative Mechanic's Lien Protection for the Owner may be available (typically by deletion of Exception No. 4 of Schedule B, Section 2 of the Commitment from the Owner's Policy to be issued) upon compliance with the following conditions: A. The land described in Schedule A of this commitment must be a single - family residence, which includes a condominium or townhouse unit. B. No labor or materials have been fumished by mechanics or materialmen for purposes of construction on the land described in Schedule A of this Commitment within the past 6 months. C. The Company must receive an appropriate affidavit indemnifying the Company against unftled Mechanic's and Materialmen's Liens. D. The Company must receive payment of the appropriate premium. E. If there has been construction, improvements or major repairs undertaken on the property to be purchased, within six months prior to the Date of the Commitment, the requirements to obtain coverage for unrecorded liens will include: disclosure of certain construction information; financial information as to the seller, the builder and/or the contractor; payment of the appropriate premium; fully executed Indemnity agreements satisfactory to the company; and, any additional requirements as may be necessary after an examination of the aforesaid information by the Company. No coverage will be given under any circumstances for labor or material for which the insured has contracted for or agreed to pay. NOTHING HEREIN CONTAINED WILL BE DEEMED TO OBLIGATE THE COMPANY TO PROVIDE ANY OF THE COVERAGES REFERRED TO HEREIN, UNLESS THE ABOVE CONDITIONS ARE FULLY SATISFIED. Stewart Title of Colorado - Vail Division File Number: 6037979a Disclosures MINERAL DISCLOSURE Order No: 6037978a To comply with the provisions of C.R.S. 10 -11 -123, the Company makes the following disclosure: a) That there is recorded evidence that a mineral estate has been severed, leased or otherwise conveyed from the surface estate and that there is a substantial likelihood that a third party holds some or all interest in oil, gas, other minerals, or geothermal energy in the property; and b) That such mineral estate may include the right to enter and use the property without the surface owner's permission. NOTE: THIS DISCLOSURE APPLIES ONLY IF SCHEDULE B, SECTION 2 OF THE TITLE COMMITMENT HEREIN INCLUDES AN EXCEPTION FOR SEVERED MINERALS. Stmart'ritle of Colorado - Vail Division File Number: 6037978a Mineral Disclosure Rev. 0712001 Privacy Policy Notice PURPOSE OF THIS NOTICE Title V of the Gramm- Leach - Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Stewart Title Guaranty Company and Stewart Title of Colorado Vail Division. We may collect nonpublic personal information about you from the following sources: Information we receive from you, such as on applications or other forms. Information about your transactions we secure from our files, or from our affiliates or others. Information we receive from a consumer reporting agency. Information that we receive from others involved in your transaction, such as the real estate agent or lender. Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be collected about you. We may disclose any of the above information that we collect about our customers or former customers to our affiliates or to nonaffiliated third parties as permitted by law. We also may disclose this information about our customers or former customers non affiliated companies that perform services on our behalf. WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFICALLY PERMITTED BY LAW. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Some states give you the right to access and correct nonpublic personal information. You may contact us in writing at out Home Office, if your state law gives you this right. Revised 6/05 CONDITIONS 1. DEFINITIONS a) "Mortgage" means mortgage, deed of trust or other security instrument. (b) "Public Records" means title records that give constructive notice of matters affecting your title — according to the state statutes where your land is located. 2. LATER DEFECTS The Exceptions in Schedule B — Section R may be amended to show any defects, liens or encumbrances that appear for the first time in the public records or are created or attached between the Commitment Date and the date on which all of the Requirements (a) and (c) of Schedule B — Section I are met. We shall have no liability to you because of this amendment. 3. EXISTING DEFECTS If any defects, liens or encumbrances existing at Commitment Date are not shown in Schedule B, we may amend Schedule B to shown them. If we do amend Schedule B to show these defects, liens or encumbrances, we shall be liable to you according to Paragraph 4 below unless you knew of this information and did not tell us about it in writing. 4. LIMITATION OF LIABILITY Our only obligation is to issue to you the policy referred to in this Commitment when you have met its Requirements. If we have any liability to you for any loss you incur because of an error in this Commitment, our liability will be limited to your actual loss caused by your relying on this Commitment when you acted in good faith to: Comply with the Requirements shown in Schedule B — Section I. or Eliminate with our written consent any Exceptions shown in Schedule B — Section H. We shall not be liable for more than the Policy Amount shown in Schedule A of this Commitment and our liability is subject to the terms of the Policy form to be issued to you. 5. CLAIMS MUST BE BASED ON THIS COMMITMENT Any claim, whether or not based on negligence, which you may have against us concerning the title to the land must be based on this Commitment and is subject to its terms. Order Number: 6037978a Page 2 of 2 Commitment — 235 W/O Disclosure