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HomeMy WebLinkAboutADM17-0001_Title Report_1487190500.pdf Fi-c Heritage P.O.Box 1980,50 Chambers Ave.Suite I Title Company Eagle,CO 81631 L1,Liag-rmiwtiom rerson,l Phone: (970)328-5211 it Commonwealth Fax: (866)828-9541 DATE: January 18,2017 FILE NUMBER: 454-H0493737-610-ETO PROPERTY ADDRESS: 4939 Meadow Drive#S,Vail,CO 81657 BUYER/BORROWER: To be determined OWNER(S): Mark D.Dean and Susan L.Dean YOUR REFERENCE NUMBER: ASSESSOR PARCEL NUMBER: 210113102044 R041594 PLEASE TAKE NOTE OF THE FOLLOWING REVISED TERMS CONTAINED HEREIN: None. WIRED FUNDS ARE REQUIRED ON ALL CASH PURCHASE TRANSACTIONS. FOR WIRING INSTRUCTIONS,PLEASE CONTACT YOUR ESCROW OFFICE AS NOTED ON THE TRANSMITTAL PAGE OF THIS COMMITMENT. TO: Heritage Title Company,Inc. ATTN: Eagle Title Only P.O.Box 1980 PHONE: (970)328-5211 50 Chambers Ave.Suite I FAX: (866)828-9541 Eagle,CO 81631 E-MAIL: co-htc-eagletitle@heritagetco.com TO: Intermountain Engineering,Ltd. ATTN: Sean Fletcher 40801 Highway 6,Suite 203 PHONE: (970)949-5072 Avon,CO 81620 FAX: (970)949-9339 E-MAIL: sfletcher@inter-mtn.net TO: Eagle Title Plant-Title Only ATTN: Eagle Title Only P.O.Box 1980 PHONE: (970)328-5211 50 Chambers Ave.Suite I FAX: (866)828-9541 Eagle,CO 81631 E-MAIL: co-htc-eagletitle@heritagetco.com END OF TRANSMITTAL 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO Commonwealth Land Title Insurance Company COMMITMENT SCHEDULE A Commitment No: 454-H0493737-610-ETO 1. Effective Date: January 11,2017 at 7:00 A.M. 2. Policy or policies to be issued: Proposed Insured Policy Amount (a)ALTA Owners Policy 6-17-06 $0.00 To be determined (b)None $0.00 3. The estate or interest in the land described or referred to in this Commitment is: A Fee Simple 4. Title to the estate or interest in the land is at the Effective Date vested in: Mark D.Dean and Susan L.Dean 5. The land referred to in this Commitment is described as follows: See Attached Legal Description (for informational purposes only) 4939 Meadow Drive#S,Vail, CO 81657 PREMIUMS: Title search fee: $100.00 Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO Attached Legal Description Lot 12S,Final Plat, a resubdivision of Lot 12,Block 5,Bighorn Subdivision Fifth Addition, according to the plat recorded August 11, 1994 in Book 647 at Page 506 as Reception No. 543548, and according to the Declaration of Covenants, Conditions and Reservations and Party Wall Agreement for Parcel A and Parcel B,Lot 12,Block 5, Bighorn Fifth Addition,recorded August 11, 1994 in Book 647 at Page 507 as Reception No. 543549, County of Eagle, State of Colorado Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO SCHEDULE B—Section 1 Requirements The following requirements must be met: a. Pay the agreed amounts for the interest in the land and/or for the mortgage to be insured. b. Pay us the premiums, fees and charges for the policy. c. Obtain a certificate of taxes due from the county treasurer or the county treasurer's authorized agent. d. Evidence that any and all assessments for common expenses,if any,have been paid. e. The Company will require that an Affidavit and Indemnity Agreement be completed by the party(s) named below before the issuance of any policy of title insurance. Party(s): Mark D. Dean and Susan L. Dean The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit. f. The Company reserves the right to add additional exceptions and/or make further requirements once the identity of the Purchaser is disclosed. g. Deed sufficient to convey the fee simple estate or interest in the Land described or referred to herein, to the Proposed Insured Purchaser. h. Evidence satisfactory to the Company of Compliance with an ordinance enacting a real estate transfer tax within the Town of Vail together with all amendments thereto. END OF REQUIREMENTS Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO SCHEDULE B—Section 2 Exceptions Any policy we issue will have the following exceptions unless they are taken care of to our satisfaction: 1. Any facts,rights, interests or claims that are not shown by the Public Records but which could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 2. Easements, liens or encumbrances, or claims thereof,not shown by the Public Records. 3. Any encroachments, encumbrances,violation,variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by Public Records. 4. Any lien or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law 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 the value the estate or interest or mortgage thereon covered by this Commitment. 6. (a)Unpatented mining claims; (b)reservations or exceptions in patents or in Acts authorizing the issuance thereof, (c)water rights, claims of title to water,whether or not the matters excepted under(a), (b), or(c) are shown by the Public Records. 7. (a)Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b)proceedings by a public agency that may result in taxes or assessments,or notices of such proceedings,whether or not shown by the records of such agency or by the Public Records. 8. All taxes and assessments,now or heretofore assessed, due or payable. 9. Reservations contained in the Patent From: The United States of America Recording Date: September 13, 1902 Recording No: Book 48 at Page 491 Which among other things recites as follows: The right of the proprietor of a vein or lode to extract and remove his ore therefrom should the same be found to penetrate or intersect the premises hereby granted as provided by law. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO 10. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date: November 25, 1966 Recording No: Book 175 at Page 445 11. Terms, conditions, restrictions, provisions, notes and easements but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the Plat(s) of said subdivision set forth below: Recording Date: November 25, 1966 Recording No: Reception No. 105002 12. Terms, conditions, provisions, agreements and obligations contained in the Decree of Inclusion in the Bighorn Fire Protection District as set forth below: Recording Date: December 9, 1971 Recording No.: Reception No. 118234 13. Terms, conditions, restrictions, provisions, notes and easements but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the Plat(s) of said subdivision set forth below: Recording Date: August 11, 1994 Recording No: Reception No. 543548 14. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date: August 11, 1994 Recording No: Reception No. 543549 END OF EXCEPTIONS Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO AFFIDAVIT AND INDEMNITY AGREEMENT TO Heritage Title Company,Inc.a Colorado Corporation and Commonwealth Land Title Insurance Company,a Nebraska Corporation. 1. This is written evidence to you that there are no unpaid bills, and to the extent there may be unpaid bills, that the undersigned undertakes and agrees to cause the same to be paid such that there shall be no mechanics or materialmen's liens affecting the property for materials or labor furnished for construction and erection,repairs or improvements contracted by or on behalf of the undersigned on property: legally described as: See Attached Affidavit and Indemnity Agreement Legal Description Property Address: 4939 Meadow Drive#S,Vail,CO 81657 2. We further represent that to the actual knowledge and belief of the undersigned there are no public improvements affecting the property prior to the date of closing that would give rise to a special property tax assessment against the property after the date of closing. 3. We further represent that to the actual knowledge and belief of the undersigned there are no pending proceedings or unsatisfied judgments of record,in any Court,State,or Federal,nor any tax liens filed or taxes assessed against us which may result in liens,and that if there are judgments,bankruptcies,probate proceedings, state or federal tax liens of record against parties with same or similar names,that they are not against us. 4. We further represent that there are no unrecorded contracts, leases, easements, or other agreements or interests relating to said premises of which we have knowledge. 5. We further represent that to the actual knowledge and belief of the undersigned we are in sole possession of the real property described herein other than leasehold estates reflected as recorded items under the subject commitment for title insurance. 6. We further represent that there are no unpaid charges and assessments that could result in a lien in favor of any association of homeowners which are provided for in any document referred to in Schedule B of Commitment referenced above. 7. We further understand that any payoff figures shown on the settlement statement have been supplied to Heritage Title Company,Inc. as settlement agent by the seller's/borrower's lender and are subject to confirmation upon tender of the payoff to the lender. If the payoff figures are inaccurate,we hereby agree to immediately pay any shortage(s)that may exist.If applicable as disclosed or referred to on Schedule A of Commitment referenced above. The undersigned affiant(s) know the matters herein stated are true and indemnifies Heritage Title Company, Inc., a Colorado Corporation and Commonwealth Land Title Insurance Company,a Nebraska Corporation against loss,costs,damages and expenses of every kind incurred by it by reason of its reliance on the statements made herein. This agreement is executed with and forms a part of the sale and/or financing of the above described premises,and is given in addition to the conveyance and/or financing of the premises in consideration for the conveyance and/or financing, and forms a complete agreement by itself for any action thereon. SELLER: SELLER: Mark D.Dean Susan L.Dean SELLER: SELLER: State of Colorado }ss: County of Eagle The foregoing instrument was acknowledged,subscribed,and sworn to before me on by Mark D.Dean and Susan L.Dean. (SEAL) Notary Public My Commission Expires: 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO ATTACHED AFFIDAVIT AND INDEMNITY AGREEMENT LEGAL DESCRIPTION Lot 12S,Final Plat,a resubdivision of Lot 12,Block 5,Bighorn Subdivision Fifth Addition,according to the plat recorded August 11, 1994 in Book 647 at Page 506 as Reception No.543548,and according to the Declaration of Covenants,Conditions and Reservations and Party Wall Agreement for Parcel A and Parcel B,Lot 12,Block 5,Bighorn Fifth Addition,recorded August 11, 1994 in Book 647 at Page 507 as Reception No.543549, County of Eagle,State of Colorado 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO CommonwealthTM LAND TITLE INSURANCE COMPANY COMMITMENT FOR TITLE INSURANCE Issued by Heritage Title Company, Inc. AS AGENT FOR Commonwealth Land Title Insurance Company Commonwealth Land Title Insurance Company, a Nebraska corporation("Company"), for a valuable consideration, commits to issue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, as owner or mortgagee of the estate or interest in the land described or referred to in Schedule A,upon payment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedule A and B and to the Conditions of this Commitment. The Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies committed for have been inserted in Schedule A by the Company. All liability and obligation under this Commitment shall cease and terminate 6 months after the Effective Date or when the policy or policies committed for shall issue,whichever first occurs,provided that the failure to issue the policy or policies is not fault of the Company. The Company will provide a sample of the policy form upon request. IN WITNESS WHEREOF, Commonwealth Land Title Insurance Company has caused its corporate name and seal to be affixed by its duly authorized officers on the date shown in Schedule A. Attest: IC SEAL By: "� Secretary - ••. President Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO CONDITIONS 1. The term mortgage,when used herein, shall include deed of trust,trust deed, or other security instrument. 2. If the proposed Insured has or acquired actual knowledge of any defect,lien, encumbrance, adverse claim or other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed insured shall disclose such knowledge to the Company,or if the Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter,the Company at its option may amend Schedule B of this Commitment accordingly,but such amendment shall not relieve the Company from liability previously incurred pursuant to paragraph 3 of these Conditions. 3. Liability of the Company under this Commitment shall be only to the named proposed insured and such parties included under the definition of Insured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith(a)to comply with the requirements hereof, or(b)to eliminate exceptions shown in Schedule B, or(c)to acquire or create the estate or interest or mortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policies or policies committed for and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the form of policy or policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except as expressly modified herein. 4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Any action or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title to the estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this Commitment. 5. The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. You may review a copy of the arbitration rules at http://www.alta.org. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO DISCLOSURE STATEMENT • Pursuant to Section 38-35-125 of Colorado Revised Statutes and Colorado Division of Insurance Regulation 8-1-2 (Section 5), if the parties to the subject transaction request us to provide escrow-settlement and disbursement services to facilitate the closing of the transaction, then all funds submitted for disbursement must be available for immediate withdrawal. • Colorado Division of Insurance Regulation 8-1-2, Section 5, Paragraph H, requires that "Every title insurance company shall be responsible to the proposed insured(s) subject to the terms and conditions of the title insurance commitment, other than the effective date of the title insurance commitment, for all matters which appear of record prior to the time of recording whenever the title insurance company, or its agent, conducts the closing and settlement service that is in conjunction with its issuance of an owners policy of title insurance and is responsible for the recording and filing of legal documents resulting from the transaction which was closed". Provided that Heritage Title Company, Inc. conducts the closing of the insured transaction and is responsible for recording the legal documents from the transaction, exception No. 5 in Schedule B-2 will not appear in the Owner's Title Policy and Lender's Title Policy when issued. • Colorado Division of Insurance Regulation 8-1-2,Paragraph M of Section 5,requires that prospective insured(s)of a single family residence be notified in writing that the standard exception from coverage for unfiled Mechanics or Materialmans Liens may or may not be deleted upon the satisfaction of the requirement(s) pertinent to the transaction. These requirements will be addressed upon receipt of a written request to provide said coverage, or if the Purchase and Sale Agreement/Contract is provided to the Company then the necessary requirements will be reflected on the commitment. • Colorado Division of Insurance Regulation 8-1-3, Paragraph C. 11.f. of Section 5 - requires a title insurance company to make the following notice to the consumer: "A closing protection letter is available to be issued to lenders,buyers and sellers." • If the sales price of the subject property exceeds $100,000.00 the seller shall be required to comply with the Disclosure of Withholding Provisions of C.R.S. 39-22-604.5 (Nonresident Withholding). • Section 39-14-102 of Colorado Revised Statutes requires that a Real Property Transfer Declaration accompany any conveyance document presented for recordation in the State of Colorado. Said Declaration shall be completed and signed by either the grantor or grantee. • Recording statutes contained in Section 30-10-406(3)(a) of the Colorado Revised Statutes require that all documents received for recording or filing in the clerk and recorder's office shall contain a top margin of at least one inch and a left, right, and bottom margin of at least one-half of an inch. The clerk and recorder may refuse to record or file a document that does not conform to requirements of this paragraph. • Section 38-35-109 (2) of the Colorado Revised Statutes, requires that a notation of the purchasers legal address, (not necessarily the same as the property address)be included on the face of the deed to be recorded. • Regulations of County Clerk and Recorder's offices require that all documents submitted for recording must contain a return address on the front page of every document being recorded. • Pursuant to Section 10-11-122 of the Colorado Revised Statutes,the Company is required to disclose the following information: o The subject property may be located in a special taxing district. o A Certificate of Taxes Due listing each taxing jurisdiction shall be obtained from the County Treasurer or the County Treasurer's authorized agent. o 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. • Pursuant to Section 10-11-123 of the Colorado Revised Statutes, when it is determined that a mineral estate has been severed from the surface estate, the Company is required to disclose the following information: 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 that such mineral estate may include the right to enter and use the property without the surface owner's permission. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AME- ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:20 AM Commitment No.: 454-H0493737-610-ETO Note: Notwithstanding anything to the contrary in this Commitment, if the policy to be issued is other than an ALTA Owner's Policy (6/17/06), the policy may not contain an arbitration clause, or the terms of the arbitration clause may be different from those set forth in this Commitment. If the policy does contain an arbitration clause, and the Amount of Insurance is less than the amount, if any, set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AME- ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE At Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF", "our"or"we"),we value the privacy of our customers. This Privacy Notice explains how we collect, use, and protect your information and explains the choices you have regarding that information. A summary of our privacy practices is below. We also encourage you to read the complete Privacy Notice following the summary. Types of Information Collected. You may provide us How Information is Collected. 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The California Online Privacy Protection Act 601 Riverside Avenue For some websites which FNF or one of its companies owns, Jacksonville,Florida 32204 such as the Customer CareNet("CCN"),FNF is acting as a third Attn: Chief Privacy Officer party service provider to a mortgage loan servicer. In those Copyright©2016.Fidelity National Financial,Inc. instances, we may collect certain information on behalf of that All Rights Reserved. mortgage loan servicer,including: • first and last name; EFFECTIVE AS OF APRIL 1,2016 FNF Privacy Notice Effective: April 1,2016 Fi-c Heritage P.O.Box 1980,50 Chambers Ave.Suite I Title Company Eagle,CO 81631 M.Lingl-mi riom rersonul Phone: (970)328-5211 I�,, Fax: (866)828-9541 lik Commonwealth' DATE: January 18,2017 FILE NUMBER: 454-H0493738-610-ETO PROPERTY ADDRESS: 4939 Meadow Dr.#N,Vail,CO 81657 BUYER/BORROWER: To Be Determined OWNER(S): Linda Smith and Jeffrey Riggs YOUR REFERENCE NUMBER: ASSESSOR PARCEL NUMBER: 210113102043 R041593 PLEASE TAKE NOTE OF THE FOLLOWING REVISED TERMS CONTAINED HEREIN: None. WIRED FUNDS ARE REQUIRED ON ALL CASH PURCHASE TRANSACTIONS. FOR WIRING INSTRUCTIONS,PLEASE CONTACT YOUR ESCROW OFFICE AS NOTED ON THE TRANSMITTAL PAGE OF THIS COMMITMENT. TO: Heritage Title Company,Inc. ATTN: Eagle Title Only P.O.Box 1980 PHONE: (970)328-5211 50 Chambers Ave.Suite I FAX: (866)828-9541 Eagle,CO 81631 E-MAIL: co-htc-eagletitle@heritagetco.com TO: Intermountain Engineering,Ltd. ATTN: Sean Fletcher 40801 Highway 6,Suite 203 PHONE: (970)949-5072 P.O.Box 9078 FAX: (970)949-9339 Avon,CO 81620 E-MAIL: sfletcher@inter-mtn.net TO: Eagle Title Plant-Title Only ATTN: Eagle Title Only P.O.Box 1980 PHONE: (970)328-5211 50 Chambers Ave.Suite I FAX: (866)828-9541 Eagle,CO 81631 E-MAIL: co-htc-eagletitle@heritagetco.com END OF TRANSMITTAL 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO Commonwealth Land Title Insurance Company COMMITMENT SCHEDULE A Commitment No: 454-H0493738-610-ETO 1. Effective Date: January 11,2017 at 7:00 A.M. 2. Policy or policies to be issued: Proposed Insured Policy Amount (a)ALTA Owners Policy 6-17-06 $0.00 To Be Determined (b)None $0.00 3. The estate or interest in the land described or referred to in this Commitment is: A Fee Simple 4. Title to the estate or interest in the land is at the Effective Date vested in: Linda Smith and Jeffrey Riggs 5. The land referred to in this Commitment is described as follows: See Attached Legal Description (for informational purposes only) 4939 Meadow Dr. #N,Vail, CO 81657 PREMIUMS: Title search fee: $100.00 Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND E1 EEE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO Attached Legal Description Lot 12N,Final Plat,a resubdivision of Lot 12,Block 5,Bighorn Subdivision Fifth Addition, according to the plat recorded August 11, 1994 in Book 647 at Page 506 as Reception No. 543548, and according to the Declaration of Covenants, Conditions and Reservations and Party Wall Agreement for Parcel A and Parcel B,Lot 12,Block 5, Bighorn Fifth Addition,recorded August 11, 1994 in Book 647 at Page 507 as Reception No. 543549, County of Eagle, State of Colorado Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO SCHEDULE B—Section 1 Requirements The following requirements must be met: a. Pay the agreed amounts for the interest in the land and/or for the mortgage to be insured. b. Pay us the premiums, fees and charges for the policy. c. Obtain a certificate of taxes due from the county treasurer or the county treasurer's authorized agent. d. Evidence that any and all assessments for common expenses,if any,have been paid. e. The Company will require that an Affidavit and Indemnity Agreement be completed by the party(s) named below before the issuance of any policy of title insurance. Party(s): Linda Smith and Jeffrey Riggs The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit. f. The Company reserves the right to add additional exceptions and/or make further requirements once the identity of the Purchaser is disclosed. g. Deed sufficient to convey the fee simple estate or interest in the Land described or referred to herein, to the Proposed Insured Purchaser. h. Furnish for recordation a full release of deed of trust: Amount: $305,000.00 Trustor/Grantor: Jeffrey Riggs and Debra Riggs and Brent Smith and Linda Smith Trustee: Public Trustee of Eagle County Beneficiary: Englewood Mortgage Company Loan No. Unknown Recording Date: March 6,2003 Recording No: Reception No. 825692 An assignment of the beneficial interest under said deed of trust which names: Assignee: CitiMortgage,Inc. Loan No.: Unknown Recording Date: March 28,2003 Recording No: Reception No. 828276 i. Evidence satisfactory to the Company of Compliance with an ordinance enacting a real estate transfer tax within the Town of Vail together with all amendments thereto. END OF REQUIREMENTS Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO SCHEDULE B—Section 2 Exceptions Any policy we issue will have the following exceptions unless they are taken care of to our satisfaction: 1. Any facts,rights, interests or claims that are not shown by the Public Records but which could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 2. Easements, liens or encumbrances, or claims thereof,not shown by the Public Records. 3. Any encroachments, encumbrances,violation,variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by Public Records. 4. Any lien or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law 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 the value the estate or interest or mortgage thereon covered by this Commitment. 6. (a)Unpatented mining claims; (b)reservations or exceptions in patents or in Acts authorizing the issuance thereof, (c)water rights, claims of title to water,whether or not the matters excepted under(a), (b), or(c) are shown by the Public Records. 7. (a)Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b)proceedings by a public agency that may result in taxes or assessments,or notices of such proceedings,whether or not shown by the records of such agency or by the Public Records. 8. All taxes and assessments,now or heretofore assessed, due or payable. 9. Reservations contained in the Patent From: The United States of America Recording Date: September 13, 1902 Recording No: Book 48 at Page 491 Which among other things recites as follows: The right of the proprietor of a vein or lode to extract and remove his ore therefrom should the same be found to penetrate or intersect the premises hereby granted as provided by law. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO 10. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date: November 25, 1966 Recording No: Book 175 at Page 445 11. Terms, conditions, restrictions, provisions, notes and easements but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the Plat(s) of said subdivision set forth below: Recording Date: November 25, 1966 Recording No: Reception No. 105002 12. Terms, conditions, provisions, agreements and obligations contained in the Decree of Inclusion in the Bighorn Fire Protection District as set forth below: Recording Date: December 9, 1971 Recording No.: Reception No. 118234 13. Terms, conditions, restrictions, provisions, notes and easements but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the Plat(s) of said subdivision set forth below: Recording Date: August 11, 1994 Recording No: Reception No. 543548 14. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap, national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition or genetic information, as set forth in applicable state or federal laws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth in the document Recording Date: August 11, 1994 Recording No: Reception No. 543549 END OF EXCEPTIONS Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO AFFIDAVIT AND INDEMNITY AGREEMENT TO Heritage Title Company,Inc.a Colorado Corporation and Commonwealth Land Title Insurance Company,a Nebraska Corporation. 1. This is written evidence to you that there are no unpaid bills, and to the extent there may be unpaid bills, that the undersigned undertakes and agrees to cause the same to be paid such that there shall be no mechanics or materialmen's liens affecting the property for materials or labor furnished for construction and erection,repairs or improvements contracted by or on behalf of the undersigned on property: legally described as: See Attached Affidavit and Indemnity Agreement Legal Description Property Address: 4939 Meadow Dr.#N,Vail,CO 81657 2. We further represent that to the actual knowledge and belief of the undersigned there are no public improvements affecting the property prior to the date of closing that would give rise to a special property tax assessment against the property after the date of closing. 3. We further represent that to the actual knowledge and belief of the undersigned there are no pending proceedings or unsatisfied judgments of record,in any Court,State,or Federal,nor any tax liens filed or taxes assessed against us which may result in liens,and that if there are judgments,bankruptcies,probate proceedings, state or federal tax liens of record against parties with same or similar names,that they are not against us. 4. We further represent that there are no unrecorded contracts, leases, easements, or other agreements or interests relating to said premises of which we have knowledge. 5. We further represent that to the actual knowledge and belief of the undersigned we are in sole possession of the real property described herein other than leasehold estates reflected as recorded items under the subject commitment for title insurance. 6. We further represent that there are no unpaid charges and assessments that could result in a lien in favor of any association of homeowners which are provided for in any document referred to in Schedule B of Commitment referenced above. 7. We further understand that any payoff figures shown on the settlement statement have been supplied to Heritage Title Company,Inc. as settlement agent by the seller's/borrower's lender and are subject to confirmation upon tender of the payoff to the lender. If the payoff figures are inaccurate,we hereby agree to immediately pay any shortage(s)that may exist.If applicable as disclosed or referred to on Schedule A of Commitment referenced above. The undersigned affiant(s) know the matters herein stated are true and indemnifies Heritage Title Company, Inc., a Colorado Corporation and Commonwealth Land Title Insurance Company,a Nebraska Corporation against loss,costs,damages and expenses of every kind incurred by it by reason of its reliance on the statements made herein. This agreement is executed with and forms a part of the sale and/or financing of the above described premises,and is given in addition to the conveyance and/or financing of the premises in consideration for the conveyance and/or financing, and forms a complete agreement by itself for any action thereon. SELLER: SELLER: Linda Smith Jeffrey Riggs SELLER: SELLER: State of Colorado }ss: County of Eagle The foregoing instrument was acknowledged,subscribed,and sworn to before me on by Linda Smith and Jeffrey Riggs. (SEAL) Notary Public My Commission Expires: 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO ATTACHED AFFIDAVIT AND INDEMNITY AGREEMENT LEGAL DESCRIPTION Lot 12N,Final Plat,a resubdivision of Lot 12,Block 5,Bighorn Subdivision Fifth Addition,according to the plat recorded August 11, 1994 in Book 647 at Page 506 as Reception No.543548,and according to the Declaration of Covenants,Conditions and Reservations and Party Wall Agreement for Parcel A and Parcel B,Lot 12,Block 5,Bighorn Fifth Addition,recorded August 11, 1994 in Book 647 at Page 507 as Reception No.543549, County of Eagle,State of Colorado 01/18/2017 9:39 AM Commitment No.: 454-arocH0493738-610-ETO ithrm ommonwea LAND TITLE INSURANCE COMPANY COMMITMENT FOR TITLE INSURANCE Issued by Heritage Title Company, Inc. AS AGENT FOR Commonwealth Land Title Insurance Company Commonwealth Land Title Insurance Company, a Nebraska corporation("Company"), for a valuable consideration, commits to issue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, as owner or mortgagee of the estate or interest in the land described or referred to in Schedule A,upon payment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedule A and B and to the Conditions of this Commitment. The Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies committed for have been inserted in Schedule A by the Company. All liability and obligation under this Commitment shall cease and terminate 6 months after the Effective Date or when the policy or policies committed for shall issue,whichever first occurs,provided that the failure to issue the policy or policies is not fault of the Company. The Company will provide a sample of the policy form upon request. IN WITNESS WHEREOF, Commonwealth Land Title Insurance Company has caused its corporate name and seal to be affixed by its duly authorized officers on the date shown in Schedule A. 4551:4Z--, 41411 Attest: `a SEAL 4 By: ,. .- Secretary '��'•. = NEee�s�A President Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO CONDITIONS 1. The term mortgage,when used herein, shall include deed of trust,trust deed, or other security instrument. 2. If the proposed Insured has or acquired actual knowledge of any defect,lien, encumbrance, adverse claim or other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed insured shall disclose such knowledge to the Company,or if the Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter,the Company at its option may amend Schedule B of this Commitment accordingly,but such amendment shall not relieve the Company from liability previously incurred pursuant to paragraph 3 of these Conditions. 3. Liability of the Company under this Commitment shall be only to the named proposed insured and such parties included under the definition of Insured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith(a)to comply with the requirements hereof, or(b)to eliminate exceptions shown in Schedule B, or(c)to acquire or create the estate or interest or mortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policies or policies committed for and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the form of policy or policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except as expressly modified herein. 4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Any action or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title to the estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this Commitment. 5. The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. You may review a copy of the arbitration rules at http://www.alta.org. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AMERICAN ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO DISCLOSURE STATEMENT • Pursuant to Section 38-35-125 of Colorado Revised Statutes and Colorado Division of Insurance Regulation 8-1-2 (Section 5), if the parties to the subject transaction request us to provide escrow-settlement and disbursement services to facilitate the closing of the transaction, then all funds submitted for disbursement must be available for immediate withdrawal. • Colorado Division of Insurance Regulation 8-1-2, Section 5, Paragraph H, requires that "Every title insurance company shall be responsible to the proposed insured(s) subject to the terms and conditions of the title insurance commitment, other than the effective date of the title insurance commitment, for all matters which appear of record prior to the time of recording whenever the title insurance company, or its agent, conducts the closing and settlement service that is in conjunction with its issuance of an owners policy of title insurance and is responsible for the recording and filing of legal documents resulting from the transaction which was closed". Provided that Heritage Title Company, Inc. conducts the closing of the insured transaction and is responsible for recording the legal documents from the transaction, exception No. 5 in Schedule B-2 will not appear in the Owner's Title Policy and Lender's Title Policy when issued. • Colorado Division of Insurance Regulation 8-1-2,Paragraph M of Section 5,requires that prospective insured(s)of a single family residence be notified in writing that the standard exception from coverage for unfiled Mechanics or Materialmans Liens may or may not be deleted upon the satisfaction of the requirement(s) pertinent to the transaction. These requirements will be addressed upon receipt of a written request to provide said coverage, or if the Purchase and Sale Agreement/Contract is provided to the Company then the necessary requirements will be reflected on the commitment. • Colorado Division of Insurance Regulation 8-1-3, Paragraph C. 11.f. of Section 5 - requires a title insurance company to make the following notice to the consumer: "A closing protection letter is available to be issued to lenders,buyers and sellers." • If the sales price of the subject property exceeds $100,000.00 the seller shall be required to comply with the Disclosure of Withholding Provisions of C.R.S. 39-22-604.5 (Nonresident Withholding). • Section 39-14-102 of Colorado Revised Statutes requires that a Real Property Transfer Declaration accompany any conveyance document presented for recordation in the State of Colorado. Said Declaration shall be completed and signed by either the grantor or grantee. • Recording statutes contained in Section 30-10-406(3)(a) of the Colorado Revised Statutes require that all documents received for recording or filing in the clerk and recorder's office shall contain a top margin of at least one inch and a left, right, and bottom margin of at least one-half of an inch. The clerk and recorder may refuse to record or file a document that does not conform to requirements of this paragraph. • Section 38-35-109 (2) of the Colorado Revised Statutes, requires that a notation of the purchasers legal address, (not necessarily the same as the property address)be included on the face of the deed to be recorded. • Regulations of County Clerk and Recorder's offices require that all documents submitted for recording must contain a return address on the front page of every document being recorded. • Pursuant to Section 10-11-122 of the Colorado Revised Statutes,the Company is required to disclose the following information: o The subject property may be located in a special taxing district. o A Certificate of Taxes Due listing each taxing jurisdiction shall be obtained from the County Treasurer or the County Treasurer's authorized agent. o 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. • Pursuant to Section 10-11-123 of the Colorado Revised Statutes, when it is determined that a mineral estate has been severed from the surface estate, the Company is required to disclose the following information: 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 that such mineral estate may include the right to enter and use the property without the surface owner's permission. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AME- ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. 01/18/2017 9:39 AM Commitment No.: 454-H0493738-610-ETO Note: Notwithstanding anything to the contrary in this Commitment, if the policy to be issued is other than an ALTA Owner's Policy (6/17/06), the policy may not contain an arbitration clause, or the terms of the arbitration clause may be different from those set forth in this Commitment. If the policy does contain an arbitration clause, and the Amount of Insurance is less than the amount, if any, set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. Copyright American Land Title Association.All rights reserved. The use of this Form is restricted to ALTA licensees and AME- ALTA members in good standing as of the date of use.All other uses are prohibited.Reprinted under license from the American LAND TITLE ASSOCIATION Land Title Association. FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE At Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF", "our"or"we"),we value the privacy of our customers. This Privacy Notice explains how we collect, use, and protect your information and explains the choices you have regarding that information. A summary of our privacy practices is below. We also encourage you to read the complete Privacy Notice following the summary. Types of Information Collected. You may provide us How Information is Collected. 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The types of browsing information FNF detect or prevent criminal activity, fraud, or material collects may include,but are not limited to: misrepresentation or nondisclosure; • Internet Protocol (or IP) address or device ID/UDID, • to third-party contractors or service providers who provide protocol and sequence information; services or perform other functions on our behalf; • browser language; • to law enforcement or other governmental authority in • browser type; connection with an investigation, or civil or criminal • domain name system requests; subpoenas or court orders;and/or • browsing history; • to other parties authorized to receive the information in • number of clicks; connection with services provided to you or a transaction • hypertext transfer protocol headers;and involving you. • application client and server banners. We may disclose Personal Information and/or Browsing How Information is Collected Information when required by law or in the good-faith belief that In the course of our business, we may collect Personal such disclosure is necessary to: • Information about you from the following sources: comply with a legal process or applicable laws; • • applications or other forms we receive from you or your enforce this Privacy Notice; • authorized representative,whether electronic or paper; investigate or respond to claims that any information • communications to us from you or others; provided by you violates the rights of a third party; or • • information about your transactions with, or services protect the rights, property or personal safety of FNF, its performed by,us,our affiliates or others;and users or the public. • information from consumer or other reporting agencies and We make efforts to ensure third party contractors and service public records that we either obtain directly from those providers who provide services or perform functions on our entities,or from our affiliates or others. behalf protect your information. We limit use of your information to the purposes for which the information was We may collect Browsing Information from you as follows: provided. We do not give or sell your information to third parties • Browser Log Files. Our servers automatically log, collect for their own direct marketing use. and record certain Browsing Information about each visitor to the Website. The Browsing Information includes only We reserve the right to transfer your Personal Information, generic information and reveals nothing personal about the Browsing Information, as well as any other information, in user. connection with the sale or other disposition of all or part of the • Cookies. From time to time, FNF may send a "cookie" to FNF business and/or assets, or in the event of our bankruptcy, your computer when you visit the Website. A cookie is a reorganization, insolvency, receivership or an assignment for the benefit small piece of data that is sent to your Internet browser from of creditors. You expressly agree and consent to the use a web server and stored on your computer's hard drive. and/or transfer of this information in connection with any of the When you visit the Website again, the cookie allows the above-described proceedings. We cannot and will not be FNF Privacy Notice Effective: April 1,2016 responsible for any breach of security by any third party or for • property address; any actions of any third party that receives any of the information • user name and password; that is disclosed to us. • loan number; Choices With Your Information • social security number-masked upon entry; • Whether you submit your information to FNF is entirely up to email address; • you. If you decide not to submit your information, FNF may not security questions and answers; and • be able to provide certain products or services to you. You may IP address. choose to prevent FNF from using your information under The information you submit is then transferred to your mortgage certain circumstances ("opt out"). You may opt out of receiving loan servicer by way of CCN. The mortgage loan servicer is communications from us about our products and/or services. responsible for taking action or making changes to any Security And Retention Of Information consumer information submitted through this website. For FNF is committed to protecting the information you share with example, if you believe that your payment or user us and utilizes a combination of security technologies information is incorrect, you must contact your mortgage procedures and safeguards to help protect it from unauthorized loan servicer. access, use and/or disclosure. FNF trains its employees on CCN does not share consumer information with third parties, privacy practices and on FNF's privacy and information security other than those with which the mortgage loan servicer has policies. FNF works hard to retain information related to you contracted to interface with the CCN application. All sections of only as long as reasonably necessary for business and/or legal this Privacy Notice apply to your interaction with CCN, except purposes. for the sections titled Choices with Your Information,and Access and Correction. If you have questions regarding the choices you Information From Children have with regard to your personal information or how to access The Website is meant for adults. The Website is not intended or or correct your personal information, contact your mortgage loan designed to attract children under the age of thirteen(13). We do servicer. not collect Personal Information from any person that we know to be under the age of thirteen (13) without permission from a Access and Correction parent or guardian. To access your Personal Information in the possession of FNF and correct any inaccuracies, please contact us by email at Privacy Outside the Website privacy@fnf.com or by mail at: The Website may contain links to other websites, including links to websites of third party service providers. FNF is not and Fidelity National Financial,Inc. cannot be responsible for the privacy practices or the content of 601 Riverside Avenue any of those other websites. Jacksonville,Florida 32204 Attn: Chief Privacy Officer International Users Because FNF's headquarters is located in the United States, we Your Consent To This Privacy Notice may transfer your Personal Information and/or Browsing By submitting Personal Information and/or Browsing Information to the United States. By using our website and Information to FNF, you consent to the collection and use of providing us with your Personal Information and/or Browsing information by FNF in compliance with this Privacy Notice. We Information, you understand and consent to the transfer, reserve the right to make changes to this Privacy Notice. If we processing and storage of such information outside your country change this Privacy Notice, we will post the revised version on of residence, as well as the fact that we will handle such the Website. information consistent with this Privacy Notice. Contact FNF Do Not Track Disclosures Please send questions and/or comments related to this Privacy Currently, our policy is that we do not recognize "do not track" Notice by email at privacy@fnf.com or by mail at: requests from Internet browsers and similar devices. Fidelity National Financial,Inc. The California Online Privacy Protection Act 601 Riverside Avenue For some websites which FNF or one of its companies owns, Jacksonville,Florida 32204 such as the Customer CareNet("CCN"),FNF is acting as a third Attn: Chief Privacy Officer party service provider to a mortgage loan servicer. In those Copyright©2016.Fidelity National Financial,Inc. instances, we may collect certain information on behalf of that All Rights Reserved. mortgage loan servicer,including: • first and last name; EFFECTIVE AS OF APRIL 1,2016 FNF Privacy Notice Effective: April 1,2016