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Home My WebLink AboutL_Title_Report_190221_v1.pdf11201 SE 8th St, Suite 200 Bellevue, WA 98004 Phone: (425) 896-3897 Fax: (425) 896-3985 RM Supplemental Page 1 of 1 Keller Williams Realty Manpal Kaur 15215 SE 272nd St Ste 202 Kent, WA 98042 UPDATE SUPPLEMENTAL NO. 1 TITLE COMMITMENT NO. BH 40218954 Re:File No.:BH 40218954 Title Officer:Brad Hallstrom Reference: Buyer/Borrower(s): Seller(s):Achhara Singh and Parminder Kaur Subject Property:19805 108th Ave SE, Renton, WA 98055 Special Exception No. 2 has been amended to read as follows: 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 ACCOUNT NO.:0522059078 YEAR BILLED PAID BALANCE 2018 $6,212.30 $6,212.30 $0.00 THERE HAVE BEEN NO OTHER CHANGES TO TITLE. The effective date of the above referenced preliminary commitment is hereby extended to the date of this supplemental subject, however, to any previously issued supplementals and to the addition of the items described above. Dated: December 6, 2018 11201 SE 8th St, Suite 200 Bellevue, WA 98004 Phone: (425) 896-3897 Fax: (425) 896-3985 Order No.: BH-40218954 TRGC Form: WA 09/28/2011 COMMITMENT FOR TITLE INSURANCE ISSUED BY TITLE RESOURCES GUARANTY COMPANY SCHEDULE A 1.Effective Date: September 12, 2018 at 8:00 a.m.Commitment No.: BH 40218954 2.Policy or Policies to be issued: ALTA HOMEOWNER'S POLICY 2-3-10: PROPOSED INSURED:TO BE DETERMINED AMOUNT:$ 0.00 PREMIUM:$ 0.00 TAX:$ 0.00 TOTAL:$ 0.00 ALTA LOAN POLICY 6-17-06 - PURCHASE MONEY LOAN RATE PROPOSED INSURED:TO BE DETERMINED AMOUNT:$ 0.00 PREMIUM:$ 0.00 TAX:$ 0.00 TOTAL:$ 0.00 3.Title to the fee simple estate or interest in the land described or referred to in this Commitment is at the Effective Date hereof vested in: Achhara Singh and Parminder Kaur, husband and wife and Simrit S. Dhillon and Gurvinder K. Dhillon, husband and wife and Jaswant S. Dhaliwal and Sarabjit K. Dhaliwal, husband and wife 4.The land referred to in this Commitment is described as follows: See Exhibit "A" attached hereto. Order No: BH-40218954 EXHIBIT "A" THE NORTH 2½ ACRES OF THE SOUTHEAST QUARTER OF THE SOUTHEAST QUARTER OF THE NORTHWEST QUARTER IN SECTION 5, TOWNSHIP 22 NORTH, RANGE 5 EAST, W.M., IN KING COUNTY, WASHINGTON; EXCEPT THE EAST 30 FEET THEREOF FOR ROAD; ALSO EXCEPT THE RIGHT-OF-WAY FOR 106TH AVENUE S.E.; AND ALSO EXCEPT THAT PORTION THEREOF CONVEYED TO THE STATE OF WASHINGTON FOR STATE ROUTE 515 BY DEED RECORDED UNDER RECORDING NO. 8906291184; SITUATE IN THE CITY OF RENTON, COUNTY OF KING, STATE OF WASHINGTON. APN: 0522059078 THE ADDRESS FOR THE EXHIBIT “A” ABOVE IS AS FOLLOWS: 19805 108th Ave SE Renton, WA 98055 THE PROPERTY ADDRESS SHOWN ABOVE IS NOT PART OF THE LEGAL DESCRIPTION FOR THE TITLE TO THE LAND TO BE INSURED. Order No.: BH-40218954 TRGC Form: WA 09/28/2011 COMMITMENT FOR TITLE INSURANCE ISSUED BY TITLE RESOURCES GUARANTY COMPANY SCHEDULE B – SECTION I REQUIREMENTS: The following requirements must be satisfied (unless otherwise noted, all documents required to be recorded must be recorded in the official real estate records of the county in which said property is located): 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. 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 a confidential order issued pursuant to the Bank Secrecy Act. The policy issuing agent must be provided with certain information necessary to comply with the confidential 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. SCHEDULE B – SECTION II EXCEPTIONS: Schedule B of the Policy or Policies to be issued will contain exceptions to the following matters unless the same are disposed of to the satisfaction of the Company. 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 SUBSEQUENT AMENDMENTS THERETO. AS OF THE DATE HEREIN, THE TAX RATE FOR SAID PROPERTY IS 1.78%. 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; Order No.: BH-40218954 SCHEDULE B- SECTION II (CONTINUED) TRGC Form: WA 09/28/2011 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 ACCOUNT NO.:0522059078 YEAR BILLED PAID BALANCE 2018 $6,212.30 $3,106.15 $3,106.15 TOTAL AMOUNT DUE, NOT INCLUDING INTEREST AND PENALTY: $3,106.15. LEVY CODE:2167 ASSESSED VALUE LAND:$269,000.00 ASSESSED VALUE IMPROVEMENTS:$223,000.00 TOTAL ASSESSED VALUE $492,000.00 3.EASEMENT AND THE TERMS AND CONDITIONS THEREOF: GRANTEE:CASCADE SEWER DISTRICT PURPOSE:SEWER MAINS AND APPURTENANCES AREA AFFECTED:A PORTION OF SAID PREMISES RECORDED:FEBRUARY 20, 1979 RECORDING NO.:7902200242 4.THE EFFECT ON THE TITLE AND THE DESCRIPTION OF THE LAND DUE TO THE LOCATION OF "THE NORTH 2½ ACRES" CONTAINED IN THE LEGAL DESCRIPTION IN SCHEDULE A. 5.DEED OF TRUST AND THE TERMS AND CONDITIONS THEREOF: GRANTOR:ACHHARA SINGH AND PARMINDER KAUR, HUSBAND AND WIFE AND SIMRIT S. DHILLON AND GURVINDER K. DHILLON, HUSBAND AND WIFE AND JASWANT S. DHALIWAL AND SARABIT K. DHALIWAL, HUSBAND AND WIFE TRUSTEE:CW TITLE AND ESCROW BENEFICIARY:MORTGAGE ELECTRONIC REGISTRATION SYSTEMS ("MERS"), ACTING SOLELY AS NOMINEE, AND BEST MORTGAGE, INC., AS LENDER ORIGINAL AMOUNT:$335,000.00 DATED:OCTOBER 12, 2017 RECORDED:OCTOBER 16, 2017 RECORDING NO.:20171016000787 NOTE 1:WITHIN THE PAST 36 MONTHS, THE FOLLOWING CONVEYANCES HAVE BEEN RECORDED IN KING, COUNTY, WHICH AFFECT THE PROPERTY DESCRIBED IN SCHEDULE A HEREIN: A.STATUTORY WARRANTY DEED, RECORDING NO. 20171016000786. NOTE 2: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. Order No.: BH-40218954 SCHEDULE B- SECTION II (CONTINUED) TRGC Form: WA 09/28/2011 THE COMPANY MAY HAVE FURTHER REQUIREMENTS IF THE UNDISCLOSED AMOUNT TO BE INSURED EXCEEDS THE CURRENT ASSESSED VALUATION. NOTE 3: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. NOTE 4:THE MATTERS RELATING TO THE QUESTIONS OF SURVEY, RIGHTS OF PARTIES IN POSSESSION, AND UNRECORDED LIENS FOR LABOR AND MATERIAL HAVE BEEN CLEARED FOR THE LOAN POLICY WHICH, WHEN ISSUED, WILL CONTAIN THE ALTA 9- 06 OR WLTA 100 ENDORSEMENT, AS APPROPRIATE FOR THE POLICY FORM. THE LOAN POLICY OFFERS ADDITIONAL COVERAGE WHICH WILL NOT BE PROVIDED IN THE OWNER'S POLICY TO BE ISSUED, EXCEPT AS SPECIFIED IN THE WLTA HOMEOWNER'S ADDITIONAL PROTECTION ENDORSEMENT (1/12/95), IF APPLICABLE. NOTE 5:BASED ON INFORMATION PROVIDED TO THE COMPANY, ON THE DATE OF THIS COMMITMENT IT APPEARS THAT THERE IS LOCATED ON THE LAND: SINGLE FAMILY RESIDENCE KNOWN AS: 19805 108TH AVE SE RENTON, WA 98055 MAP NOTE 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). NOTE 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. NOTE 8: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 WITH THE BODY OF THE DOCUMENT PTN SE NW OF 5-22-5E (TX LT 78) NOTE 9: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. Order No.: BH-40218954 SCHEDULE B- SECTION II (CONTINUED) TRGC Form: WA 09/28/2011 NOTE 10:THE POLICY(S) 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. NOTE 11:PURSUANT TO MODIFIED PROVISIONS OF CHAPTER B65 OF THE FHLMC SINGLE FAMILY SELLER/SERVICER GUIDE AND THE FNMA SERVICING GUIDE, SHORT SALE LETTERS FROM FHLMC AND FNMA MAY PROHIBIT SUBSEQUENT RESALE FOR UP TO 90 DAYS. PLEASE NOTIFY THE COMPANY IMMEDIATELY IF YOU RECEIVE A SHORT SALE APPROVAL LETTER PROHIBITING SUBSEQUENT RESALE FOR UP TO 90 DAYS. NOTE 12:A $1.00 MAILING FEE WILL BE CHARGED PER DOCUMENT RECORDED. NOTE 13: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 COLUMBIA CENTER 701 5TH AVENUE 42ND FLOOR SEATTLE, WA 98104 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 COVER PAGE OR TO THE ABOVE ADDRESS. (END OF SPECIAL EXCEPTIONS) 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 has a business relationship with several Windermere Real Estate firms that own shares of CW Title through various entities. Several Windermere Real Estate Firms own shares specifically through one of the parent companies of CW Title. Because of this relationship, if you are working with a broker from a Windermere Real Estate firm, the firm may Order No.: BH-40218954 SCHEDULE B- SECTION II (CONTINUED) TRGC Form: WA 09/28/2011 receive a financial benefit from referring a client to CW Title. You are not required to use CW Title 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. MS1 Enclosures: Sketch Vesting Deed Paragraphs All recorded encumbrances Order No.: BH-40218954 TRGC Form: WA 09/28/2011 COMMITMENT FOR TITLE INSURANCE Issued by Title Resources Guaranty Company Title Resources Guaranty Company a Texas 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 Schedules A and B and to the Conditions of this Commitment. This 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 180 days 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 the fault of the Company. The Company will provide a sample of the policy form upon request. IN WITNESS WHEREOF, Title Resources Guaranty Company has caused its corporate name and seal to be affixed by its duly authorized officers on the date shown in Schedule A. Order No.: BH-40218954 TRGC Form: WA 09/28/2011 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 acquires 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 and Stipulations. 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 policy or policies committed for and such liability is subject to the insuring provisions and Conditions and Stipulations 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/>. Order No.: BH-40218954 TRGC Form: WA 09/28/2011 SCHEDULE B- SECTION 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. TRGC Form: WA 09/28/2011 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). 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. Order No.: BH-40218954 TRGC Form: WA 09/28/2011 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. 10-23-2017 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?www.titleresources.com 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®, NRT LLC, Cartus and Title Resources 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 services to you. TITLE RESOURCES GUARANTY COMPANY does not share with nonaffiliated financial companies for joint marketing purposes. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT To:Consumer Property: 19805 108th Ave SE Renton, WA 98055 From:CW Title Date: September 12, 2018 Thank you for contacting CW Title (hereinafter “Agent”). Agent is jointly owned by WTG LLC (80% owner) and Title Resource Group Affiliates Holdings, LLC (“TRG”) (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. TRG’s parent company is also the one hundred percent owner of 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 underwriting services listed. You are NOT required to use the underwriter below in connection with the provision of title services. 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 Title Insurance premium between $7.72 and $4.37 per thousand dollars of policy coverage.* *This range of charges covers, as an example, policies from $100,000.00 to $400,000.00, however the cost to you will differ depending on the policy amount. THIS SKETCH IS PROVIDED, WITHOUT CHARGE, FOR YOUR INFORMATION. IT IS NOT INTENDED TO SHOW ALL MATTERS RELATED TO THE PROPERTY INCLUDING, BUT NOT LIMITED TO, AREA, DIMENSIONS, EASEMENTS, ENCROACHMENTS OR LOCATIONS OF BOUNDARIES. IT IS NOT A PART OF, NOR DOES IT MODIFY, THE COMMITMENT OR POLICY TO WHICH IT IS ATTACHED. THE COMPANY ASSUMES NO LIABILITY FOR ANY MATTER RELATED TO THIS SKETCH, UNLESS SUCH COVERAGE IS SPECIFICALLY PROVIDED BY THE COVERED RISKS OF THE POLICY. REFERENCE SHOULD BE MADE TO AN ACCURATE SURVEY FOR FURTHER INFORMATION. SECTION:TOWNSHIP:RANGE:QUARTER:05 22N 05E NW ↓ Page 1 of 1Assessor-Map 9/19/2018http://geo.sentrydynamics.net/WA_King/assrmap.aspx?parcelid=0522059078 20171016000787.001 $97.00 ofInstrumentNumber:20171016000787 DocumentzDT Rec:Page-1 10/16/2017RecordDate.3.41 PM After'recording return to: Seattle~s Best Mortgage,Inc. 1~11911 St.,Ste B306NE (11/8 illllllilIlll||||lllliIllllI~IIHIIMIIIIHIIIIIIIIHIIIUI~IIIIHIII7 .2017101600078 87 .397:00'TRUST RecDEEDOF PM10I16I20173:41 WACOUNTY.KING Reference:40191091-808-LT3 DOCUMENT TITLE(S):Deed of Trust RELEASED:NUMBER(S)DOCUMENTS ASSIGNED ORREFERENCEOF husband and wife;ParminderGRANTOR(S):Achhara Singh and Kaur, and wife;Dhillon,husband JaswantDhillonandGurvinderSimritS.K. and wifeDhaliwal,husbandDhaliwalandSarabjitK.S. GRANTEE(S):Seattle~s Inc.Best Mortgage, Title andCW EscrowTRUSTEE: 7/7 «'3DESCRIPTION.LEGALABBREVIATED (TX 78)of 22-5E LtSENW5-Ptn 0522059078NUMBER(S):PARCELTAX 00°016000787 002$97.ofInstrumentNumber:20171016000787 Document.DT Rec:age-2 PMKin'AR-D --10 16 20173 41m n_I A~er Recording Retum To: SEATTLE'S BEST MORTGAGE INC ~9~NE IST STREET STE~8306 BELLEVUE,WA 98005 Prepared by: SEATTLE'S BEST MORTGAGE INC STREET STE#~91]NE IST 3306 BELLEVUE,WA 98005 Loan Number l056937456 [01154320171012026MERSNumber OF TRUSTDEED DEFINITIONS de~ned and other words de~ned in Sections 3,Words used in multiple sections of this document beloware are also provided inregardingtheofwordsusedinthisdocument[3,18,20 and 2I.Certain rulesll,areusage Section [6. together with allthisdocument,which is dated OCTOBER 12,20l7,"Security Instrument"(A)means thisRiders document.to HUSBAND AND WIFE;SIMRITisACHHARASINGHANDPARMINDERKAUR,(B)"Borrower" GURVINDER S.DHALIWALDHILLON,HUSBAND AND WIFE;JASWANTS.DHILLON AND K. the under this SecurityisSARABJITKDHALIWAL.HUSBAND AND WIFEI BorrowerAND trustor Instrument. organized andLenderisCORPORATIONisSEATTLE'S BEST MORTGAGE INC.(C)"Lender~a STE#B306,address is 11911 NE IST STREETexistingunderthelawsofWASHINGTON.Lender's BELLEVUE,WA 98005. 200 BELLVUE WA 98004.ESCROW SE 8TH STREET,SUITEisCWTITLE&II201(D)"Trustee" appointed MERS theRegistrationLenderhasistheElectronicSystems,Inc."MERS"Mortgage(E)as executed bySecuritybeattachedMERSRiderthisInstrument,nominee for Lender for this andLoan,totoa intoandwhichisincorporatedrelationshipLenderandMERS,which further describes the betweenBorrower, Securityamendsandsupplementsthis Instrumentand TheanddatedOCTOBER12,2017.NotepromissorysignedbytheBorrower(F)~Note"statesnotemeans DollarsAND00/100THSTHIRTY-FIVE THOUSANDLenderTHREEHUNDREDthatBorrowerowes andPeriodicthisdebtinregularPaymentshaspromised$335,000.00)plus interest.Borrower to(US.to pay in full later than NOVEMBER 0],2047~the debt notpay ~Transfer of Rights in theheadingdescribedbelowunderthethethatis(G)~Property"propertymeans Property.~ charges duechargesandlateinterest,evidenced by the Note,plusthedebt(H)~Loan"prepaymentanymeans interest.this Security plusandalldueunderInstrument,under the Note,sums oprages)3048 IIOI IINSTRUMENTFormMae/Freddie Mu UNIFORM (pageWASHINGTON~Single linmily-Jlnuie lllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllllJlllllllllll 20171016000786.001 $76.00InstrumentNumber:20171016000786 D0cument:WD Rec:Page-1 0 10/16/2017RecordDate:3:41 PM llllllllllllllllllllllllllllllllllllllllIlllllllllllllllllllllllll 2017101616000786 After recording return to: on516Rec:DEEDWARRANTYAChharaSingh WA3:4110i16l201713602NE8THST#1-104 COUNTY.KINGBellevue,98005WA E'2'8~9~5~37'2 AFFIDAVITSTAXEXCISE WACOUNTY,KINGPM4110l16l20173: 000.005636,Prlce:Soulng Amount:$11.308.00Tax Reference:40191091-808-LT3 ~~"~~-*"~~~ STATUTORY WARRANTY DEED unmarriedGRANTOR(S)Catherine Madueno,THE A.B.person,an and valuable considerationof($10.00)Dollars and other goodforandinconsiderationTen wifeParminderhusbandandAchharaSinghandKaur,hand paid,andin warrants toconveys DhaliwalhusbandandwifeandJaswantSDhillonandGurvinderDhillon,and Simrit S K wifeSarabjitDhaliwal,husband andandK of Washington:of King,StatesituatedintheCountythefollowingdescribedrealestate, THESOUTHEASTQUARTEROFQUARTEROFTHEACRESOFTHESOUTHEASTTHENORTH21/2 KING5EAST,W.M.,IN22NORTH,RANGESECTION5,TOWNSHIPNORTHWESTQUARTERIN WASHINGTON;COUNTY, THEREOF FOR ROAD;EXCEPT THE EAST 30 FEET 106TH AVENUE S.E.;RIGHT-OF~WAY FORALSOEXCEPTTHE WASHINGTON FORTOSTATEOFTHEREOFCONVEYEDTHEALSOEXCEPTTHATPORTIONAND 8906291184;RECORDING NO.RECORDED UNDERSTATEROUTE515BYDEED WASHINGTON.KING,STATE OFRENTON,COUNTY OFSITUATETHECITYOFIN attached hereto.forth Exhibit "A"specificallySubjectThoseitems setto:on 0522059078ParcelNumber(s):Tax LPB-lO-OS (Itr)(1/06)DeedStatutoryWarranty Title andCW Escrow $76.0267131age-6000786.2InstrumentNumber:20171016000786 D0cument:WD Rec:0 Kin AR-D --10 16 20173-41 PMm n 1 Reference:Statutory Warranty Deed 40191091-808-LT3 Dated:October ;2.2912 SELLER: WW Catherine MaduenoA.B. ofState Washington ofCounty knowntome within and foregoing instrument,andbehto1% voluntary andthefreeandacknowledgedthatsignedactsameas deed for the therein mentioned.uses an purposes aboveGivenunderhandandofficialsealthedayandlast written.yearmy WW- .I "IndfortheofNotaryPublitate ~I7~ye 1,,Residing at «mum.|i.\\41/30,,cu.9AppointMyen GTON "i\\\\\\\\\\ 10-05(ltr)(1-06)of LPBPage23 $76.00719age-6000786.3InstrumentNumber:20171016000786 D0cument:WD Rec:0 Kin AR-D --10 16 20173-41 PMm n 1 .; Exhibit A1 1 1 TERMS CONDITIONS THEREOF:1.EASEMENT AND THE AND DISTRICTGRANTEE:CASCADE SEWER APPURTENANCESPURPOSE:SEWER MAINS AND PREMISESAREAAFFECTED:A PORTION OF SAID RECORDED:FEBRUARY 20,1979 RECORDING NO.:7902200242 DUE TO THE LOCATIONDESCRIPTIONOFTHELAND2.THE EFFECT ON THE TITLE AND THE DESCRIPTION IN SCHEDULE A.ACRES~CONTAINED IN THE LEGALOF"THE NORTH 2V2