HomeMy WebLinkAboutTitle Commitment v. 1.pdf The Heirs and or Devisees of Sandra L. Nielsen, deceasedFILE NUMBER:
50023976-103
COMMITMENT VERSION:
No.1
PROPERTY ADDRESS:
No site address, Renton, WA 98056
PARCEL ID:
1828700020
LENDER:
To Be Determined
BUYER:
To Be Determined
SELLER:
The Heirs and/or Devisees of Sandra L. Nielsen, deceased
COMPANY CONTACT INFORMATION:
Title Team:
Patti Williams Title Team, Title
Officer
(425) 896-3896 office
(425) 646-3517 fax
cwtitlepatti@CWTitle.net
www.cwtitle.net
CW Title and Escrow
11201 SE 8th Street, Ste 200
Bellevue, WA 98004
Phone: (425) 896-3800
This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
COMMITMENT FOR TITLE INSURANCE
Issued By
Title Resources Guaranty Company
SCHEDULE A
1. Effective Date: 07/22/2022 at 8:00 AM.
Commitment No.: 50023976-103
2. Policy or Policies to be issued:
ALTA Homeowner's Policy
PROPOSED INSURED:To Be Determined
AMOUNT:$10,000.00
PREMIUM:$340.00
TAX:$34.34
TOTAL:$374.34
ALTA Loan Policy
PROPOSED INSURED:To Be Determined
AMOUNT:$10,000.00
PREMIUM:$465.00
TAX:$46.97
TOTAL:$511.97
3. The estate or interest in the Land described or referred to in this Commitment is fee simple
4. Title to the fee simple estate or interest in the Land is at the Commitment Date vested in:
The Heirs and/or Devisees of Sandra L. Nielsen, deceased
5. The Land Is described as follows: See Exhibit “A” attached hereto.
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This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
EXHIBIT “A”
“
Legal Description
LOT 2, CRESENT VIEW ADDITION, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 97 OF
PLATS, PAGE 49, RECORDS OF KING COUNTY, WASHINGTON.
SITUATE IN THE CITY OF RENTON, COUNTY OF KING, STATE OF WASHINGTON.
Assessor Parcel Number (APN)
APN: 1828700020
The address for the Exhibit A above is as follows:
No site address, Renton, WA 98056
The property address and APN shown above are not part of the legal description for the title to the land to be
insured.
Title companies insure properties based on the legal description (not the property address), and the property
address is not a part of the legal description. The property address has been added to this page for reference
only.
O
This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
SCHEDULE B, PART I
Requirements
All of the following Requirements must be met:
1. Payment of the necessary consideration for the estate or interest to be insured.
2. Pay all premiums, fees and charges for the policy.
3. Documents satisfactory to the Company creating the estate or interest to be insured, must be properly
executed, delivered and duly filed of record. In the event that the county recording office is experiencing
delays and is unable to record the closing documents on the date the documents are released for
recording, CW Title will, so long as sales proceeds are made available to the seller, issue the policy or
policies of title insurance listed in Schedule A as of the date the documents were released for recording.
4. Payment of all taxes and/or assessments levied against the Land which are due, payable or delinquent.
5. You must tell us in writing the name of anyone not referred to in this Commitment who will get an interest
in the land or who will make a loan on the land. We may have additional requirements or exceptions.
6. This transaction may be subject to an order issued pursuant to the Bank Secrecy Act. The policy issuing
agent must be provided with certain information necessary to comply with the order prior to the closing.
This transaction will not be insured and this issuing agent and/or its underwriter will not be involved in the
closing and settlement until this information is submitted, reviewed and found to be complete.
O
This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
SCHEDULE B, PART II
EXCEPTIONS
THIS COMMITMENT DOES NOT REPUBLISH ANY COVENANT, CONDITION, RESTRICTION, OR LIMITATION
CONTAINED IN ANY DOCUMENT REFERRED TO IN THIS COMMITMENT TO THE EXTENT THAT THE SPECIFIC
COVENANT, CONDITION, RESTRICTION, OR LIMITATION VIOLATES STATE OR FEDERAL LAW BASED ON RACE,
COLOR, RELIGION, SEX, SEXUAL ORIENTATION, GENDER IDENTITY, HANDICAP, FAMILIAL STATUS, OR NATIONAL
ORIGIN.
The Policy will not insure against loss or damage resulting from the terms and provisions of any lease or easement
identified in Schedule A, and will include the following Exceptions unless cleared to the satisfaction of the Company:
EXCEPTIONS
1. See Schedule B – Section II Standard Exceptions.
2. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the
public records or attaching subsequent to the Effective Date but prior to the date the proposed Insured
acquires for value of record the estate or mortgage thereon covered by this Commitment.
SPECIAL EXCEPTIONS
1. Real estate excise tax pursuant to the authority of RCW Chapter 82.45 and WAC 458-61A, and
subsequent amendments thereto.
For conveyances dated January 1, 2020, and after, the tax rate is determined using a graduated scale
based on the selling price of said property.
For all transactions recorded on or after July 1, 2005:
A fee of $10.00 will be charged on all exempt transactions;
A fee of $5.00 will be charged on all taxable transactions in addition to the excise tax due;
2. General property taxes and service charges, as follows, together with interest, penalty and statutory
foreclosure costs, if any, after delinquency, (1st half delinquent on May 1; 2nd half delinquent on
November 1):
Tax Year: 2022
Tax Account No. 1828700020
Amount Billed: $2,828.21 | Amount Paid: $1,414.11 | Amount Due: $1,414.10
Tax Levy Code: 2100
Assessed Values: Land: $264,000.00 | Improvements: $0.00 | Total: $264,000.00
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This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
3. All covenants, conditions, restrictions, reservations, easements or other servitudes, if any, disclosed by
the recorded plat of C.D. Hillman's Lake Washington Garden of Eden Addition to Seattle Division No. 4
recorded as document #313825 in the official records .
This policy does not insure that the land described in schedule a is benefited by easements, covenants or
other appurtenances shown on the plat or survey to benefit or burden real property outside the
boundaries of said land.
4. All covenants, conditions, restrictions, reservations, easements or other servitudes, if any, disclosed by
the recorded plat of Cresent View Addition recorded as document #7409230505 in the official records .
This policy does not insure that the land described in schedule a is benefited by easements, covenants or
other appurtenances shown on the plat or survey to benefit or burden real property outside the
boundaries of said land.
5. Easement and the terms and conditions thereof:
Grantee: Puget Sound Power & Light Company
Purpose: Electric transmission and/or distribution system
Area affected: a portion of said premises
Recorded on December 19, 1974 as document #7412190355 in the official records
6. Deed of Trust and the terms and conditions thereof:
Grantor: Bradley D. Nielsen and Sandra L. Nielsen, husband and wife
Trustee: First Financial Diversified Corporation
Beneficiary: First Savings Bank of Renton
Original Amount: $83,000.00
Dated: August 19, 2005
Recorded on August 26, 2005 as document #20050826000139 in the official records
(Said Deed of Trust includes other property)
7. Pending probate proceedings concerning an intestate's estate. The Personal Representative is
authorized to administer the estate without intervention of court and to encumber or transfer the
decedent's interest in the land.
Decedent: Sandra Lee Nielsen
Personal Representative: Douglas A. Nielsen
Case filed: October 20, 2020
Probate Case No.: 20-4-06122-8
Attorney for the estate: Paul Willard Houser, Jr.
8. Possible lien against the Estate of Sandra Lee Nielsen, deceased, pursuant to RCW 43.20B.080 and
WAC 182-527-2730 through 2790, in favor of the State of Washington, Department of Social and Health
Services for recovery of costs of medical care provided, if any.
9. Lien of state and federal estate taxes, if any, upon the Estate of Sandra Lee Nielsen deceased.
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This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
10. The land described in this commitment appears to be residential in nature and may be subject to the
provisions of R.C.W. 6.13.010, et seq. (Homestead Statute), provided that the land is occupied as a
primary residence. If the land is occupied as a primary residence, R.C.W.6.13.060 requires that all
documents conveying or encumbering the land must be executed by each spouse or domestic partner,
individually. Alternatively, the Company will accept a deed identifying the non-vested spouse occupying
the property as the grantor and the vested spouse as grantee. In the event that the company receives
documents to insure that are not executed as required, the company may be unable to record or to insure
the transaction. Please contact your title officer if you have any questions.
(END OF SPECIAL EXCEPTIONS)
O
This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
NOTES
1. In the past 36 months, there have been no conveyances of record for the property described in Schedule
A herein. Title was acquired by deed recorded on August 22, 2017 as document #20170822000770 in
the official records .
2. Title will be vested in parties yet to be disclosed. When title is vested, their title will be subject to matters
of record against their names.
3. Based on information provided to the company, on the date of this commitment it appears that there is
located on the land:
Land Only
Known as:
No site address
Renton, WA 98056Map
4. The following may be used as an abbreviated legal description on the documents to be recorded, per
amended RCW 65.04. Said abbreviated legal description is not a substitute for a complete legal
description within the body of the document:
LOT 2, CRESENT VIEW ADD
5. The Company has been asked to issue simultaneous policies without disclosure of the liability amounts.
This commitment shall be effective only when the amounts of the owner’s and lender’s policies committed
for has been inserted in schedule a hereof. The forthcoming owner’s policy must be issued in an amount
at least equal to the full value of the estate insured in accordance with our rating schedule on file in the
office of the Washington State Insurance Commissioner.
The Company may have further requirements if the undisclosed amount to be insured exceeds the
current assessed valuation.
6. If you would like the company to act as trustee in the proposed deed of trust, please note that CW Title
may act as trustee of a deed of trust under RCW 61.24.010(1).
7. The Company requires the proposed insured to verify that the land covered by this commitment is the
land intended to be conveyed in this transaction. The description of the land may be incorrect, if the
application for title insurance contained incomplete or inaccurate information. Notify the Company well
before closing if changes are necessary. Closing instructions must indicate that the legal description has
been reviewed and approved by all parties.
8. In the event that the commitment jacket is not attached hereto, all of the terms, conditions and provisions
contained in said jacket are incorporated herein. The commitment jacket is available for inspection at any
Company office.
9. The policy(ies) of insurance may contain a clause permitting arbitration of claims at the request of either
the insured or the Company. Upon request, the Company will provide a copy of this clause and the
accompanying arbitration rules prior to the closing of the transaction.
10. A $5.23 electronic document recording fee and a $2.00 mailing fee will be charged for each document
recorded.
O
This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by Title Resources Guaranty Company. This Commitment is
not valid without the Notice; the Commitment to Issue Policy; the Commitment Conditions; Schedule A; Schedule B, Part I—Requirements;
and Schedule B, Part II—Exceptions; and a counter-signature by the Company or its issuing agent that may be in electronic form.
TRGC Form: Comm16 ALTA Commitment Form Adopted 6-17-2006 Revised 08-01-2016 WA Modified
Copyright 2006-2016 American Land Title Association. All rights reserved.
The use of this Form (or any derivative thereof) is restricted to ALTA licensees and 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
11. When sending documents for recording via U.S. mail or special courier service, please send to the
following address, unless specific arrangements have been made with your title unit:
CW Title Recording
11201 SE 8th Street, Suite 200
Bellevue, WA 98004
Attn: Recording Dept.
CW Title pre-addressed envelopes may still be used when sending documents via TDS (Title Delivery
Service) to the address on the face of the commitment or to the above address.
Investigation should be made to determine if there are any sewer treatment capacity charges or if there are any
service, installation, maintenance, or construction charges for sewer, water or electricity.
In the event this transaction fails to close, a cancellation fee will be charged for services rendered in accordance
with our rate schedule.
Unless otherwise requested or specified herein, the forms of policy to be issued in connection with this Commitment
will be the ALTA Homeowner’s Policy of Title Insurance (2-03-10), and/or the ALTA Loan Policy (6-17-06).
If the policy to be issued is the ALTA Homeowner’s Policy of Title Insurance (2-03-10), certain Covered Risks will
be subject to maximum dollar limits of liability and deductible amounts.
The Policy committed for or requested may be examined by inquiry at the office that issued the Commitment. A
specimen copy of the Policy form(s) referred to in this Commitment will be furnished promptly upon request.
Disclosure of Affiliated Business. CW Title and Escrow has a business relationship with several Windermere Real
Estate firms that own shares of CW Title and Escrow through various entities. Several Windermere Real Estate
Firms own shares specifically through one of the parent companies of CW Title and Escrow. Because of this
relationship, if you are working with a broker from a Windermere Real Estate firm, the firm may receive a financial
benefit from referring a client to CW Title and Escrow. You are not required to use CW Title and Escrow as a
condition to your purchase or sale of a particular property. There are other settlement service providers available
with similar services for comparable prices.
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Form 5011000 (7-1-14)Page 10 of 19 ALTA Plain Language Commitment (6-17-06)
COMMITMENT FOR TITLE INSURANCE
Issued by
TITLE RESOURCES GUARANTY COMPANY
NOTICE
IMPORTANT—READ CAREFULLY: THIS COMMITMENT IS AN OFFER TO ISSUE ONE OR MORE TITLE
INSURANCE POLICIES. ALL CLAIMS OR REMEDIES SOUGHT AGAINST THE COMPANY INVOLVING THE
CONTENT OF THIS COMMITMENT OR THE POLICY MUST BE BASED SOLELY IN CONTRACT.
THIS COMMITMENT IS NOT AN ABSTRACT OF TITLE, REPORT OF THE CONDITION OF TITLE, LEGAL
OPINION, OPINION OF TITLE, OR OTHER REPRESENTATION OF THE STATUS OF TITLE. THE
PROCEDURES USED BY THE COMPANY TO DETERMINE INSURABILITY OF THE TITLE, INCLUDING ANY
SEARCH AND EXAMINATION, ARE PROPRIETARY TO THE COMPANY, WERE PERFORMED SOLELY FOR
THE BENEFIT OF THE COMPANY, AND CREATE NO EXTRACONTRACTUAL LIABILITY TO ANY PERSON,
INCLUDING A PROPOSED INSURED.
THE COMPANY’S OBLIGATION UNDER THIS COMMITMENT IS TO ISSUE A POLICY TO A PROPOSED
INSURED IDENTIFIED IN SCHEDULE A IN ACCORDANCE WITH THE TERMS AND PROVISIONS OF THIS
COMMITMENT. THE COMPANY HAS NO LIABILITY OR OBLIGATION INVOLVING THE CONTENT OF THIS
COMMITMENT TO ANY OTHER PERSON.
COMMITMENT TO ISSUE POLICY
Subject to the Notice; Schedule B, Part I—Requirements; Schedule B, Part II—Exceptions; and the Commitment
Conditions, TITLE RESOURCES GUARANTY COMPANY, a Texas corporation (the “Company”), commits to
issue the Policy according to the terms and provisions of this Commitment. This Commitment is effective as of the
Commitment Date shown in Schedule A for each Policy described in Schedule A, only when the Company has
entered in Schedule A both the specified dollar amount as the Proposed Policy Amount and the name of the
Proposed Insured.
If all of the Schedule B, Part I—Requirements have not been met within 180 days after the Commitment Date, this
Commitment terminates and the Company’s liability and obligation end.
An Authorized Signature
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Form 5011000 (7-1-14)Page 11 of 19 ALTA Plain Language Commitment (6-17-06)
COMMITMENT CONDITIONS
1. DEFINITIONS
(a) “Knowledge” or “Known”: Actual or imputed knowledge, but not constructive notice imparted by the
Public Records.
(b) “Land”: The land described in Schedule A and affixed improvements that by law constitute real
property. The term “Land” does not include any property beyond the lines of the area described in
Schedule A, nor any right, title, interest, estate, or easement in abutting streets, roads, avenues,
alleys, lanes, ways, or waterways, but this does not modify or limit the extent that a right of access
to and from the Land is to be insured by the Policy.
(c) “Mortgage”: A mortgage, deed of trust, or other security instrument, including one evidenced by
electronic means authorized by law.
(d) “Policy”: Each contract of title insurance, in a form adopted by the American Land Title Association,
issued or to be issued by the Company pursuant to this Commitment.
(e) “Proposed Insured”: Each person identified in Schedule A as the Proposed Insured of each Policy
to be issued pursuant to this Commitment.
(f) “Proposed Policy Amount”: Each dollar amount specified in Schedule A as the Proposed Policy
Amount of each Policy to be issued pursuant to this Commitment.
(g) “Public Records”: Records established under state statutes at the Commitment Date for the
purpose of imparting constructive notice of matters relating to real property to purchasers for value
and without Knowledge.
(h) “Title”: The estate or interest described in Schedule A.
2.If all of the Schedule B, Part I—Requirements have not been met within the time period specified in the
Commitment to Issue Policy, this Commitment terminates and the Company’s liability and obligation end.
3.The Company’s liability and obligation is limited by and this Commitment is not valid without:
(a) the Notice;
(b) the Commitment to Issue Policy;
(c) the Commitment Conditions;
(d) Schedule A;
(e) Schedule B, Part I—Requirements; and
(f) Schedule B, Part II—Exceptions; and
(g) a counter-signature by the Company or its issuing agent that may be in electronic form.
4. COMPANY’S RIGHT TO AMEND
The Company may amend this Commitment at any time. If the Company amends this Commitment to add
a defect, lien, encumbrance, adverse claim, or other matter recorded in the Public Records prior to the
Commitment Date, any liability of the Company is limited by Commitment Condition 5. The Company shall
not be liable for any other amendment to this Commitment.
5. LIMITATIONS OF LIABILITY
(a) The Company’s liability under Commitment Condition 4 is limited to the Proposed Insured’s actual
expense incurred in the interval between the Company’s delivery to the Proposed Insured of the
Commitment and the delivery of the amended Commitment, resulting from the Proposed Insured’s
good faith reliance to:
(i) comply with the Schedule B, Part I—Requirements;
(ii) eliminate, with the Company’s written consent, any Schedule B, Part II—Exceptions; or
(iii) acquire the Title or create the Mortgage covered by this Commitment.
(b) The Company shall not be liable under Commitment Condition 5(a) if the Proposed Insured
requested the amendment or had Knowledge of the matter and did not notify the Company about
it in writing.
(c) The Company will only have liability under Commitment Condition 4 if the Proposed Insured would
not have incurred the expense had the Commitment included the added matter when the
Commitment was first delivered to the Proposed Insured.
(d) The Company’s liability shall not exceed the lesser of the Proposed Insured’s actual expense
incurred in good faith and described in Commitment Conditions 5(a)(i) through 5(a)(iii) or the
Proposed Policy Amount.
(e) The Company shall not be liable for the content of the Transaction Identification Data, if any.
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Form 5011000 (7-1-14)Page 12 of 19 ALTA Plain Language Commitment (6-17-06)
(f) In no event shall the Company be obligated to issue the Policy referred to in this Commitment
unless all of the Schedule B, Part I—Requirements have been met to the satisfaction of the
Company.
(g) In any event, the Company’s liability is limited by the terms and provisions of the Policy.
6. LIABILITY OF THE COMPANY MUST BE BASED ON THIS COMMITMENT
(a) Only a Proposed Insured identified in Schedule A, and no other person, may make a claim under
this Commitment.
(b) Any claim must be based in contract and must be restricted solely to the terms and provisions of
this Commitment.
(c) Until the Policy is issued, this Commitment, as last revised, is the exclusive and entire agreement
between the parties with respect to the subject matter of this Commitment and supersedes all prior
commitment negotiations, representations, and proposals of any kind, whether written or oral,
express or implied, relating to the subject matter of this Commitment.
(d) The deletion or modification of any Schedule B, Part II—Exception does not constitute an
agreement or obligation to provide coverage beyond the terms and provisions of this Commitment
or the Policy.
(e) Any amendment or endorsement to this Commitment must be in writing and authenticated by a
person authorized by the Company.
(f) When the Policy is issued, all liability and obligation under this Commitment will end and the
Company’s only liability will be under the Policy.
7. IF THIS COMMITMENT HAS BEEN ISSUED BY AN ISSUING AGENT
The issuing agent is the Company’s agent only for the limited purpose of issuing title insurance
commitments and policies. The issuing agent is not the Company’s agent for the purpose of providing
closing or settlement services.
8. PRO-FORMA POLICY
The Company may provide, at the request of a Proposed Insured, a pro-forma policy illustrating the
coverage that the Company may provide. A pro-forma policy neither reflects the status of Title at the time
that the pro-forma policy is delivered to a Proposed Insured, nor is it a commitment to insure.
Form 5011000 (7-1-14)Page 13 of 19 ALTA Plain Language Commitment (6-17-06)
SCHEDULE B, PART II (CONTINUED)
Standard Exceptions
The matters listed below each policy form are expressly excepted from the coverage of that policy and that
policy does not insure against loss or damage (and the Company will not pay costs, attorneys’ fees or
expenses) which arise by reason thereof.
SCHEDULE B STANDARD EXCEPTIONS
THAT WILL APPEAR IN ALTA OWNER'S and LOAN POLICY – STANDARD COVERAGE
1. Taxes or assessments which are not now payable or which are not shown as existing liens by the
records of any taxing authority that levies taxes or assessments on real property or by the public
records; proceedings by a public agency which may result in taxes or assessments, or notices of
such proceedings, whether or not shown by the records of such agency or by the public records.
2. Any facts, rights, interests or claims which are not shown by the public records but which could be
ascertained by an inspection of the land or which may be asserted by persons in possession, or
claiming to be in possession, thereof.
3. Easements, liens or encumbrances, or claims thereof, which are not shown by the public records.
4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title
that would be disclosed by an accurate and complete land survey of the Land, and that is not shown
by the Public Records.
5. Any lien, or right to a lien, for labor, material, services or equipment, or for contributions to employee
benefit plans, or liens under Worker's Compensation Acts, not disclosed by the public records.
6. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the
issuance thereof; (c) Indian treaty or aboriginal rights, including, but not limited to, easements or
equitable servitudes; or, (d) water rights, claims or title to water, whether or not the matters
excepted under (a), (b), (c) or (d) are shown by the public records.
7. Right of use, control or regulation by the United States of America in the exercise of powers over
navigation; any prohibition or limitation on the use, occupancy or improvement of the land resulting
from the rights of the public or riparian owners to use any waters which may cover the land or to
use any portion of the land which is now or may formerly have been covered by water.
8. Any service, installation, connection, maintenance or construction charges for sewer, water,
electricity, or garbage collection or disposal, or other utilities unless disclosed as an existing lien by
the public records.
SCHEDULE B STANDARD EXCEPTIONS THAT WILL APPEAR IN
ALTA OWNER'S POLICY – EXTENDED COVERAGE
1. Taxes or assessments which are not now payable or which are not shown as existing liens by the
records of any taxing authority that levies taxes or assessments on real property or by the public
records; proceedings by a public agency which may result in taxes or assessments, or notices of
such proceedings, whether or not shown by the records of such agency or by the public records.
2. Underground easements, servitudes or installations which are not disclosed by the public records.
3. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the
issuance thereof; (c) Indian treaty or aboriginal rights, including, but not limited to, easements or
equitable servitudes; or, (d) water rights, claims or title to water, whether or not the matters
excepted under (a), (b), (c) or (d) are shown by the public records.
4. Right of use, control or regulation by the United States of America in the exercise of powers over
navigation; any prohibition or limitation on the use, occupancy or improvement of the land resulting
from the rights of the public or riparian owners to use any waters which may cover the land or to
use any portion of the land which is now or may formerly have been covered by water.
5. Any service, installation, connection, maintenance or construction charges for sewer, water,
electricity, or garbage collection or disposal, or other utilities unless disclosed as an existing lien by
the public records.
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Form 5011000 (7-1-14)Page 14 of 19 ALTA Plain Language Commitment (6-17-06)
The following are the Exclusions From Coverage contained in the form of the policy or policies as described
in Schedule A of the Commitment.
AMERICAN LAND TITLE ASSOCIATION LOAN POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not
pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building
and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection; or the effect of any violation of these laws, ordinances,
or governmental regulations. This Exclusion 1(a) does not modify or limit the
coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage
provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under
Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy,
but Known to the Insured Claimant and not disclosed in writing to the Company by
the Insured Claimant prior to the date the Insured Claimant became an Insured
under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify
or limit the coverage provided under Covered Risk 11, 13, or 14); or
(e) resulting in loss or damage that would not have been sustained if the Insured
Claimant had paid value for the Insured Mortgage.
4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured
to comply with applicable doing-business laws of the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out
of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer
credit protection or truth-in-lending law.
6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’
rights laws, that the transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this
policy.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and
created or attaching between Date of Policy and the date of recording of the Insured Mortgage in
the Public Records. This Exclusion does not modify or limit the coverage provided under Covered
Risk 11(b).
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Form 5011000 (7-1-14)Page 15 of 19 ALTA Plain Language Commitment (6-17-06)
AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY (06-17-06)
EXCLUSIONS FROM COVERAGE
The following matters are expressly excluded from the coverage of this policy, and the Company will not
pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building
and zoning) restricting, regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This
Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk
5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage
provided under Covered Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under
Covered Risk 7 or 8.
3. Defects, liens, encumbrances, adverse claims, or other matters
(a) created, suffered, assumed, or agreed to by the Insured Claimant;
(b) not Known to the Company, not recorded in the Public Records at Date of Policy, but
Known to the Insured Claimant and not disclosed in writing to the Company by the Insured
Claimant prior to the date the Insured Claimant became an Insured under this policy;
(c) resulting in no loss or damage to the Insured Claimant;
(d) attaching or created subsequent to Date of Policy (however, this does not modify or limit
the coverage provided under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had
paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’
rights laws, that the transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and
created or attaching between Date of Policy and the date of recording of the deed or other
instrument of transfer in the Public Records that vests Title as shown in Schedule A.
Form 5011000 (7-1-14)Page 16 of 19 ALTA Plain Language Commitment (6-17-06)
AMERICAN LAND TITLE ASSOCIATION HOMEOWNER'S POLICY OF TITLE
INSURANCE FOR A ONE-TO-FOUR FAMILY RESIDENCE (2-03-10)
EXCLUSIONS FROM COVERAGE
In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and
expenses resulting from:
1. Governmental police power, and the existence or violation of those portions of any law or
government regulation concerning:
a. building;
b. zoning;
c. land use;
d. improvements on the Land;
e. land division; and
f. environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20,
23 or 27.
2. The failure of Your existing structures, or any part of them, to be constructed in accordance with
applicable building codes. This Exclusion does not limit the coverage described in Covered Risk
14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described
in Covered Risk 17.
4. Risks:
a. that are created, allowed, or agreed to by You, whether or not they are recorded in the
Public Records;
b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the
Public Records at the Policy Date;
c. that result in no loss to You; or
d. that first occur after the Policy Date - this does not limit the coverage described in Covered
Risk 7, 8.e., 25, 26, 27 or 28.
5. Failure to pay value for Your Title.
6. Lack of a right:
a. to any land outside the area specifically described and referred to in paragraph 3 of
Schedule A; and
b. in streets, alleys, or waterways that touch the Land.
This Exclusion does not limit the coverage described in Covered Risk 11 or 21.
7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or
conveyance under federal bankruptcy, state insolvency, or similar creditors’ rights laws.
Rev. 3/9/2021
FACTS WHAT DOES TITLE RESOURCES GUARANTY COMPANY DO WITH YOUR
PERSONAL INFORMATION?
Why?Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also requires us
to tell you how we collect, share, and protect your personal information. Please read
this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service
you have with us. This information can include:
• Social Security number and account balances
•Payment history and credit card or other debt
•Checking account information and wire transfer instructions
When you are no longer our customer, we continue to share your information as
described in this notice.
How?All financial companies need to share customers’ personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their customers’ personal information; the reasons TITLE RESOURCES
GUARANTY COMPANY chooses to share; and whether you can limit this sharing.
Reasons we can share your personal
information
Does TITLE
RESOURCES
GUARANTY
COMPANY
share?
Can you limit this
sharing?
For our everyday business purposes – such as to
process your transactions, maintain your account(s),
respond to court orders and legal investigations, or
report to credit bureaus
Yes No
For our marketing purposes- to offer our products
and services to you
No We don’t share
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes-
information about your transactions and
experiences
Yes No
For our affiliates’ everyday business purposes-
information about your creditworthiness
No We don’t share
For our affiliates to market to you No We don’t share
For nonaffiliates to market to you No We don’t share
Questions?Go to https://www.titleresources.com/privacypolicy
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Page 2
Who we are
Who is providing this notice?TITLE RESOURCES GUARANTY COMPANY
What we do
How does TITLE RESOURCES
GUARANTY COMPANY
protect my personal information?
To protect your personal information from unauthorized access and use,
we use security measures that comply with federal law. These measures
include computer safeguards and secured files and buildings.
How does TITLE RESOURCES
GUARANTY COMPANY
collect my personal information?
We collect your personal information, for example, when you
• Apply for insurance or pay insurance premiums
• Provide your mortgage information or show your driver’s license
• Give us your contact information
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can’t I limit all sharing?Federal law gives you the right to limit only
• Sharing for affiliates’ everyday business purposes –information about
your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to
limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies.
•Our affiliates include companies that are owned in whole or in
part by Realogy Holdings Corp., such as Better Homes and
Gardens® Real Estate, CENTURY 21®, Coldwell Banker®,
Coldwell Banker Commercial®, The Corcoran Group®, ERA®,
Sotheby's International Realty®, ZipRealty®,Realogy Brokerage
Group LLC, Cartus and Realogy Title Group.
Nonaffiliates Companies not related by common ownership or control. They can be
financial and nonfinancial companies.
•TITLE RESOURCES GUARANTY COMPANY does not share
with nonaffiliates so they can market to you.
Joint Marketing A formal agreement between nonaffiliated financial companies that
together market financial products or service to you.
•TITLE RESOURCES GUARANTY COMPANY does not share
with nonaffiliated financial companies for joint marketing
purposes.
Other Important Information
For European Union Customers
For our California Customers
Please see our Privacy Policy located at
https://www.titleresources.com/privacypolicy
Please see our notice about the California Consumer Protection Act
located at https://www.titleresources.com/privacypolicy
AFFILIATED BUSINESS ARRANGEMENT
DISCLOSURE STATEMENT
To: Consumer Property: No site address, Renton, WA 98056
From: CW Title and Escrow Date: 07/22/2022
Thank you for contacting CW Title (hereinafter “Agent”). Agent is jointly owned by
WTG LLC (80% owner) and Anywhere Integrated Affiliates Holdings LLC (“AIAH”)
(20% owner). This is to give you notice that Agent has a business relationship with Title
Resources Guaranty Company, which is a title insurance underwriting company. Be
advised that AIAH indirectly owns a 30% interest in Title Resources Guaranty Company.
Because of this relationship, this referral of business to the underwriter below may
provide Agent a financial or other benefit.
Set forth below is the estimated charge or range of charges for the services listed. You are
NOT required to use the underwriter below in connection with your transaction with Agent.
THERE ARE FREQUENTLY OTHER UNDERWRITERS AVAILABLE WITH
SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT
YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE
SERVICES.
COMPANIES DESCRIPTION OF CHARGES ESTIMATE OF RANGE OF CHARGES GENERALLY
MADE BY PROVIDER
Title Resources Guaranty
Company
Title Insurance Premium
Charges based on General Schedule of Rates
Title Insurance Premium between $2.62 and
$5.19 per thousand dollars of policy
coverage.*
*This range of charges covers, as an example,
policies from $160,000 to $1,000,000,
however the cost to you will differ depending
on the policy amount.
Acknowledgement of Receipt of Disclosure
I/we have read this disclosure form and understand that Agent (CW Title) is referring me/us to use the above-
described underwriter and may receive a financial or other benefit as the result of this referral.
______________________________
Date (To Be Determined)
______________________________
Date (Sandra L. Nielsen)