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HomeMy WebLinkAbout10.1 Title ReportPage 1 of 11 Prepared at the request of: Ngylien Pham 2700 Richards Road Suite 204 Bellevue, WA 98004 For title assistance on this order please contact: WFG National Title Company of Washington, LLC 10900 NE 8th Street, Suite 1100 Bellevue, WA 98004 Title Officer: Jodi Rohr - WA Title Team 4 Phone No.: (425) 467-8821 Email: watitleteam4@wfgtitle.com License No.: 713049 For Informational Purposes Only: Seller(s):Brian V. Le and Ngylien T. Pham Buyer(s): Address:3413 NE 7th St, Renton, WA 98056 County:King Tax Account No.:8011100110 Abbreviated Legal:LOT 8, BLK 2, STEWART'S HIGHLAND ACRE TRACTS This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 2 of 11 3151900 SCHEDULE A Transaction Identification Data for reference only: Issuing Agent:WFG National Title Company of Washington, LLC Issuing Office:10900 NE 8th Street, Suite 1100, Bellevue, WA 98004 ALTA Universal ID: Loan ID Number:Not Available Commitment Number:19-295376 Issuing Office File Number:19-295376 Property Address:3413 NE 7th St, Renton, WA 98056 Revision Number: 1.Commitment Date:May 9, 2019 at 8:00 a.m. 2.Policy or Policies to be issued: ALTA® HomeOwner's Policy (12-02-13)Amount:TBD Premium:$0.00 Tax:$0.00 Total:$0.00 Proposed Insured: To Follow ALTA® Ext Loan Policy (06-17-06)Amount:TBD Premium:$0.00 Tax:$0.00 Total:$0.00 Proposed Insured: Lender To Follow 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: Brian V. Le and Ngylien T. Pham, husband and wife 5.The land referred to in this Commitment is described as follows: SEE ATTACHED EXHIBIT “A” ATTACHED HERETO AND MADE A PART HEREOF Issued By: WFG National Title Company of Washington, LLC, as Issuing Agent for WFG National Title Insurance Company By________________________________ Authorized Signature This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 3 of 11 3151900 EXHIBIT “A” LEGAL DESCRIPTION LOT 8, BLOCK 2, STEWART'S HIGHLAND ACRE TRACTS, ACCORDING TO THE PLAT RECORDED IN VOLUME 43 OF PLATS, PAGE 17, IN KING COUNTY, WASHINGTON; SITUATE IN THE CITY OF RENTON, COUNTY OF KING, STATE OF WASHINGTON. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 4 of 11 COMMITMENT FOR TITLE INSURANCE Issued By WFG NATIONAL TITLE INSURANCE COMPANY SCHEDULE B, PART I REQUIREMENTS The following requirements are to be complied with: Instruments necessary to create the estate or interest to be properly executed, delivered and duly filed for record. Payment of all premiums, fees and charges for the policy. Payment of the full consideration to, or for the account of, the grantors or mortgagors. INFORMATIONAL NOTES NOTE:Effective January 1, 1997, and pursuant to amendment of Washington State Statutes relating to standardization of recorded documents, certain format and content requirements must be met (refer to RCW 65.04.045). Failure to comply may result in rejection of the document by the recorder or additional fees may be charged, subject to the Auditor’s discretion. NOTE:As to any and all covenants and restrictions set forth herein, the following is added: “but omitting any covenant or restriction based on race, color, religion, sex, handicap, familial status or national origin, unless and only to the extent that said covenant(s): (a) is/are exempt under Chapter 42, Section 3607 of the United States Code; or (b) relates to a handicap, but does not discriminate against handicapped persons.” NOTE: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. NOTE:If you would like the company to act as trustee in a proposed Deed of Trust, please note that WFG National Title Company, a Washington limited liability company may act as Trustee of a Deed of Trust under RCW 61.24.010(1). NOTE:Due to current conflicts or potential conflicts between state and federal law, which conflicts may extend to local law, regarding marijuana, if the transaction to be insured involves property which is currently used or is to be used in connection with a marijuana enterprise, including but not limited to the cultivation, storage, distribution, transport, manufacture, or sale of marijuana and/or products containing marijuana, the Company declines to close or insure the transaction, and this Commitment shall automatically be considered null and void and of no force and effect. END OF REQUIREMENTS Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 5 of 11 COMMITMENT FOR TITLE INSURANCE Issued By WFG NATIONAL TITLE INSURANCE COMPANY 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: 1.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 for value of record the estate or interest or mortgage thereon covered by this Commitment. 2.Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3.Any rights, interests or claims of parties in possession not shown by the public records. 4.Any lien, or right to a lien, for services, labor, materials or equipment in connection with improvements, repairs or renovations provided before, on, or after Date of Policy and not shown by the Public Records at Date of Policy. 5.Any encroachment, encumbrance, violation, conflict in boundary line(s), shortage in area, or adverse circumstance affecting the title that would be disclosed by an accurate and complete land survey and/or physical inspection of the land. The term "encroachment" includes encroachments of existing improvements located on the land onto adjoining land, and encroachments on the land of existing improvements located on adjoining land. 6.(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. 7.Easements or claims of easements not shown by the public records. 8.(a) Unpatented mining claims; (b)reservations or exceptions in patents or in Acts authorizing the issuance thereof; and (c) Oil, natural gas, coal, fissionable materials or other minerals previously conveyed, leased or retained by prior owners, whether or not appearing in the Public Records or listed in Schedule B. The Company makes no representation as to the present ownership of any such interests. There may be leases, grants, exceptions or reservations of interests that are not listed. 9.Any adverse ownership claim by right of sovereignty to any portion of the lands insured hereunder, including tidelands, submerged, filled and artificially exposed lands and lands accreted to such lands or dispute as to the boundaries purportedly caused by a change in the location of any water body within or adjacent to the land. 10.Water rights, and claims or title to water, whether or not shown by the Public Records. 11.Any lien for service, installation, connection, maintenance, tap, capacity, or construction or similar charges for sewer, water, electricity, natural gas or other utilities, or for garbage collection and disposal not shown by the Public Records. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 6 of 11 12. Covenants, Conditions, Restrictions and Easements, if any, including the terms and provisions thereof, as shown on the recorded plat of Stewart's Highland Acre Tracts. 13. Reservations in favor of Northern Pacific Railroad Company, as contained in instrument recorded in 241450, of Official Records. Said Instrument was (modified, corrected, or amended) by instrument recorded in 4450143, of Official Records. 14. Easement and the terms and conditions thereof affecting a portion of said premises, as recorded under 20131107000150 of Official Records. In Favor of:City of Renton For:sanitary sewer 15. Easement and the terms and conditions thereof affecting a portion of said premises, as recorded under 20161109000437 of Official Records. In Favor of:Puget Sound Energy, Inc. For:utility systems 16. 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%. Levy Code: 2100 17. Taxes and charges, together with interest, penalty and statutory foreclosure costs, if any, after delinquency: Tax Year:2019 Tax Type:County Tax ID No.:8011100110 Taxing Entity:King County Treasurer Total Annual Tax:$7,785.32 First Installment:$3,892.66 First Installment Status:Paid First Installment Due/Paid Date:April 30, 2019 First Installment Delinquent Date:May 1, 2019 Second Installment:$3,892.66 Second Installment Status:Due Second Installment Due/Paid Date:October 31, 2019 Second Installment Delinquent Date:November 1, 2019 Notes:View Taxes 18. Deed of Trust and the terms and conditions thereof: Grantor:Brian V. Le and Ngylien T. Pham, husband and wife Trustee:WFG Lender Services Lender/Beneficiary:First Choice Loan Services, Inc. and MERS solely as Nominee for First Choice Loan Services, Inc. Original Amount:$417,000.00 Dated:August 19, 2016 Recorded:August 25, 2016 Recording No.:20160825000592 Said deed of trust contains an erroneous legal description. Said deed of trust needs to be corrected and re-recorded if not being paid off in this transaction. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 7 of 11 19. Deed of Trust securing a line of credit and the terms and conditions thereof: Grantor:Brian V. Le and Ngylien T. Pham, married to each other Trustee:U.S. Bank Trust Company, National Association, a national banking association organized under the laws of the United States Lender/Beneficiary:U.S. Bank, National Association, a national banking association organized under the laws of the United States Original Amount:$276,500.00 Dated:June 29, 2018 Recorded:July 18, 2018 Recording No.:20180718000537 Investigation should be made to determine the present balance owed by contacting the appropriate lender/agency/individual. Note: Caution should be exercised to ensure that a reconveyance will be obtained. Said deed of trust contains an erroneous legal description. Said deed of trust needs to be corrected and re-recorded if not being paid off in this transaction. 20. Matters related to coverages provided by the ALTA Homeowner's Policy. The disposition of these matters will be determined by a review of the completed Affidavit as to Liens and Possession. The Company reserves the right to make additional requirements upon review of said Affidavit. 21. Determination of whether reporting is required under any applicable U.S. Department of Treasury FINCEN Geographic Targeting Order (GTO) and, if reporting under the GTO is required, providing to the Company the information and identity documents required to comply with the GTO and complete the report. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 8 of 11 Note 1: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 2:The following is incorporated herein for information purposes only and is not part of the exception from coverage (Schedule B-II of the commitment and Schedule B of the policy):The following instrument(s), affecting said property, is (are) the last instrument(s) conveying subject property filed for record within 36 months of the effective date of this commitment: None of Record Note 3: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 Endorsement, as appropriate for the policy form. Note 4:Based on information provided to the company, on the date of this commitment it appears that there is located on the land: 1-4 Family Residence Known As: 3413 NE 7th St Renton, WA 98056 Note 5:The county tax rolls disclose the current assessed valuations as follows: Land:$262,000.00 Improved:$423,000.00 Total:$685,000.00 Levy Code:2100 Note 6: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 7: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 8, BLK 2, STEWART'S HIGHLAND ACRE TRACTS Note 8: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: WFG National Title Company 2300 Eastlake Avenue East Suite 100 Seattle, WA 98102 Attn: Recording Dept. End of Schedule B-II Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 9 of 11 COMMITMENT FOR TITLE INSURANCE Issued By WFG NATIONAL TITLE INSURANCE 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, WFG National Title Insurance Company, a South Carolina 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 one hundred eighty (180) days after the Commitment Date, this Commitment terminates and the Company’s liability and obligation end. In Witness Whereof, WFG National Title Insurance Company has caused this commitment to be signed and sealed by its duly authorized officers as of Date of Commitment shown in Schedule A. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 10 of 11 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. Order No. 19-295376 This page is only a part of a 2016 ALTA® Commitment for Title Insurance issued by WFG National Title Insurance 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. ALTA Commitment 08-01-2016 WFG Form No 3173900 Page 11 of 11 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. 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. 9.ARBITRATION – INTENTIONALLY DELETED Order No. 19-295376 Page 1 of 3 WFG Privacy Policy ABOUT YOUR PRIVACY At WFG, we believe it is important to protect the privacy and confidences of our customers. This notice is intended to explain how we collect, use, and protect any information that we may collect. It will explain the choices you may make about the use of that information. What Information Do We Collect About You? We collect certain types of information about you. This may consist of: Your name, address, and telephone number. Your email address. Your social security or government ID numbers. Your financial information. We collect this information from: The application or other forms you fill out with us. The correspondence you and others direct to us. Our transactions with you. Others involved in your transaction, including the real estate agent or lender. In some cases, we collect information from third parties. For instance, we may receive real estate information from local assessor's offices. How Do We Use This Information? We use the information we collect to respond to your requests. WE DO NOT SHARE your information with other companies. How Can You “Opt Out?” We do not share your information so there is no need to opt out. The information We Collect About You On Our Website When you enter our website, we automatically collect and store certain information. This consists of: Your IP Address (Internet Protocol Address) and domain name. The type of browser and operating system you use. The time of your visit. The pages of our site you visit. If you register with us or fill out an on online survey, we will collect additional personal information, such as your name, telephone number, email address and mailing address. Cookie Usage In order to provide you with customized service, we make use of “cookies.” Cookies are essentially files that help us identify your computer and respond to it. You may disable cookies on your own computer, but you may not be able to download online documents unless cookies are enabled. Order No. 19-295376 Page 2 of 3 WFG Privacy Policy How We Use Information The information we collect concerning: Your browser The time and date of your visit The web pages or services you accessed is used for administrative and technical purposes. For instance, we may use it to count the number of visitors to our site and determine the most popular pages. We may also use it to review types of technology you are using, determine which link brought you here, assess how our advertisements on other sites are working, and to help with maintenance. We use information contained in your emails only for the purpose of responding to those emails. If we ask you to fill out any forms or surveys, we will use the information we receive only for the specific purposes indicated in those forms or surveys. Your Right to See and Correct Information If you wish to see the information collected about you, please contact your settlement agent. Children’s Policy We do not knowingly collect information from children under the age of 18. We delete any information that we discover has been provided by children. Security --Generally We make every effort to protect the integrity of your information. Any personal information you enter into online forms or surveys will be encrypted to ensure it remains private. We limit the right of access to your information to employees that need to use the information to respond to or process your request or transaction. We also take industry standard (IPSEC) measures to protect our sites from malicious intrusions or hacking. --Phishing and Pretexting As you know, consumers are increasingly targeted by unscrupulous persons attempting to acquire sensitive personal or financial information, by impersonating legitimate businesses. We will never send you an unsolicited email or other communication requesting your private information. If you receive a communication directing you to enter your personal information, please disregard the instruction and contact us immediately at Compliance@wfgnationaltitle.com. Oregon Residents We may not disclose personal or privileged information about you unless we provide you with a disclosure authorization form that is executed by you or your representative and otherwise complies with certain statutory requirements. Any such authorization is not valid for more than 24 months and may be revoked by you at any time, subject to the rights of anyone who relied on the authorization prior to your notice of revocation. In addition, if your personal or privileged information was collected or received by us in connection with a title insurance transaction, we cannot disclose such information if the disclosure authorization form that you executed is more than one year old or if the requested disclosure is for a purpose other than a purpose expressly permitted by statute. You have the right at any time to request in writing access to recorded personal information about you that is reasonably described by you and reasonably available to us. Within 30 days of the date of our receipt of any such written request from you, we will inform you of the nature and substance of any such information, permit you to see and copy that information or obtain a copy by mail, disclose the identity, if recorded, of the persons to whom we have disclosed such information during the previous two years, and provide you with a summary of the procedures by which you may request that such information be corrected, amended or deleted. Order No. 19-295376 Page 3 of 3 WFG Privacy Policy Do Not Track Because there is not an industry-standard process or defined criteria to permit a user to opt out of tracking their internet access (Do Not Track or DNT), we do not currently respond to the various DNT signals. How to Contact Us If you have any questions about our privacy policy, please contact WFG: By email: Compliance@wfgnationaltitle.com By telephone: 800-385-1590 By fax: 503-974-9596 By mail: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223 In person: 12909 SW 68th Pkwy, Suite 350, Portland, OR 97223 WFG FAMILY WILLISTON FINANCIAL GROUP LLC WFG NATIONAL TITLE INSURANCE COMPANY WFG LENDER SERVICES, LLC WFGLS TITLE AGENCY OF UTAH, LLC WFG NATIONAL TITLE COMPANY OF WASHINGTON, LLC WFG NATIONAL TITLE COMPANY OF CALIFORNIA WFG NATIONAL TITLE COMPANY OF TEXAS, LLC D/B/A WFG NATIONAL TITLE COMPANY UNIVERSAL TITLE PARTNERS, LLC VALUTRUST SOLUTIONS, LLC WILLISTON ENTERPRISE SOLUTIONS & TECHNOLOGY, LLC WFG NATIONAL TITLE COMPANY OF CLARK COUNTY, WA, LLC D/B/A WFG NATIONAL TITLE INLAND PROFESSIONAL TITLE LLC D/B/A WFG NATIONAL TITLE COMPANY OF EASTERN WA WFG NATIONAL TITLE COMPANY OF COLORADO