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Form No. 3153353 Subdivision Guarantee
Robert Fattore and Deborah Fattore and Morris Levack and Verna Levack
138XX 152nd Ave SE
Renton, WA 98059
Reference: Robert Fattore
Order No.: 21-207331 Liability: $1,000.00
Charge: $350.00
Tax: $35.35
Total: $385.35
SUBDIVISION GUARANTEE
UPDATED August 18, 2022
Subject to the Exclusions from Coverage, the limits of liability and other provisions of the Conditions and
Stipulations hereto annexed and made a part of this Guarantee, and subject to the further exclusion and limitation
that no guarantee is given nor liability assumed with respect to the identity of any party named or referred to in
Schedule A or with respect to the validity, legal effect or priority of any matter shown therein. WFG National Title
Insurance Company a corporation herein called the Company,
GUARANTEES
the Assured named in Schedule A against actual monetary loss or damage not exceeding the liability amount
stated herein which the Assured shall sustain by reason of any incorrectness in the assurances set forth in
Schedule A.
Dated: June 2, 2022
Issued By:
WFG National Title Company of Washington, LLC ,
as Issuing Agent for WFG National Title Insurance
Company
By: ___________________________________
Authorized Signature
Form No. 3153353 Subdivision Guarantee
SUBDIVISION GUARANTEE
SCHEDULE A
Guarantee No.: 3153353-3389324 Liability: $1,000.00
Date of Guarantee: June 2, 2022 Fee: $350.00
1. Name of Assured:
Robert L. Fattore and Deborah A. Fattore; and Verna Marie Levack
2. Date of Guarantee:
August 18, 2022
3. The assurances referred to on the face page hereof are:
a. That according to those public records which, under the recording laws, impart constructive notice
of matters affecting title to the following described land:
See Exhibit “A” attached hereto and made a part hereof
b. Title to the estate or interest in the land is vested in:
Robert L. Fattore and Deborah A. Fattore, husband and wife, as to Parcel C; and Verna Marie
Levack, as her separate estate, as to Parcel B
c. The estate or interest in the land which is covered by the Guarantee is:
Fee Simple
Subject to the Exceptions shown below, which are not necessarily shown in order of their priority.
EXCEPTIONS
1. (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.
2. Taxes and charges, together with interest, penalty and statutory foreclosure costs, if any, after delinquency:
Tax Year: 2022
Tax Type: County
Tax ID No.: 1463400016
Taxing Entity: King County Treasurer
Total Annual Tax: $3,519.85
First Installment: $1,759.93
First Installment Status: Paid
First Installment Due/Paid Date: April 30, 2022
First Installment Delinquent Date: May 1, 2022
Second Installment: $1,759.92
Second Installment Status: Due
Second Installment Due/Paid Date: October 31, 2022
Second Installment Delinquent Date: November 1, 2022
Notes: VIEW
Taxes and charges, together with interest, penalty and statutory foreclosure costs, if any, after delinquency:
Tax Year: 2022
Tax Type: County
Tax ID No.: 1463400017
Form No. 3153353 Subdivision Guarantee
Taxing Entity: King County Treasurer
Total Annual Tax: $2,615.48
First Installment: $1,307.74
First Installment Status: Paid
First Installment Due/Paid Date: April 30, 2022
First Installment Delinquent Date: May 1, 2022
Second Installment: $1,307.74
Second Installment Status: Due
Second Installment Due/Paid Date: October 31, 2022
Second Installment Delinquent Date: November 1, 2022
Notes: VIEW
3. Local improvement assessments, if any, levied by the City of Renton.
4. Memorandum of Vacant Land Purchase and Sale Agreement:
Grantor: Robert Fattore and Deborah Fattore
Grantee: Morris Levack and Verna Levack
Recorded: November 13, 2017
Recording No.: 20171113000882
Said Agreement modified by 20201112001032
5. Covenants, Conditions, Restrictions and Easements, if any, including the terms and provisions thereof,
as shown on the recorded plat of Cedar River Five Acre Tracts.
6. All covenants, conditions,restrictions, easements and liability to assessments, if any, disclosed by the
Lot Line Adjustment, recorded on March 26, 1990, in9003261152, of Official Records.
7. Matters set forth by survey recorded on January 11, 1991, in 9101119001, of Official Records.
8. Agreement and the terms and provisions thereof, recorded as 9411090984, of Official Records.
9. Easement and Development Agreement and the terms and provisions thereof, recorded as
20051222002383, of Official Records.
10. Covenant and the terms and provisions thereof, recorded as 20171129001320, of Official Records.
11. Covenant and the terms and provisions thereof, recorded as 20171129001322, of Official Records.
Form No. 3153353 Subdivision Guarantee
EXHIBIT “A”
LEGAL DESCRIPTION
PARCEL B: 1463400016
THE EAST HALF OF LOT 3, BLOCK 1, CEDAR RIVER FIVE ACRE TRACTS, ACCORDING TO PLAT
RECORDED IN VOLUME 16 OF PLATS, PAGE 52, IN KING COUNTY, WASHINGTON;
EXCEPT THE SOUTH 110 FEET THEREOF;
AND EXCEPT THE NORTH 110 FEET THEREOF;
PARCEL C: 1463400017
THE SOUTH 110 FEET OF THE EAST HALF OF LOT 3, BLOCK 1, CEDAR RIVER FIVE-ACRE TRACTS,
ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 16 OF PLATS, PAGE 52, IN KING COUNTY,
WASHINGTON;
Tax Account No(s): 1463400016, 1463400017
Form No. 3153353 Subdivision Guarantee
SCHEDULE OF EXCLUSIONS FROM COVERAGE OF THIS GUAR ANTEE
1. Except to the extent that specific assurances are provided in Schedule A of this Guarantee, the
Company assumes no liability for loss or damage by reason of the following:
(a) Defects, liens, encumbrances, adverse claims or other matters against the titl e, whether or not shown
by the public records.
(b) (1) Taxes or assessments of any taxing authority that levies taxes or assessments on real property; or,
(2) Proceedings by a public agency which may result in taxes or assessments, or notices of such
proceedings, whether or not the matters excluded under (1) or (2) are shown by the records of the
taxing authority or by the public records.
(c) (1) Unpatented mining claims; (2) reservations or exceptions in patents or in Acts authorizing the
issuance thereof; (3) water rights, claims or title to water, whether or not the matters excluded under
(1), (2) or (3) are shown by the public records.
2. Notwithstanding any specific assurances which are provided in Schedule A of this Guarantee, the
Company assumes no liability for loss or damage by reason of the following:
(a) Defects, liens, encumbrances, adverse claims or other matters affecting the title to any property
beyond the lines of the land expressly described in the description set forth in Schedule (A), (C) or in
Part 2 of this Guarantee, or title to streets, roads, avenues, lanes, ways or waterways to which such
land abuts, or the right to maintain therein vaults, tunnels, ramps or any structure or improvements; or
any rights or easements therein, unless such property, rights or easements are expressly and
specifically set forth in said description.
(b) Defects, liens, encumbrances, adverse claims or other matters, whether or not shown by the public
records; (1) which are created, suffered, assumed or agreed to by one or more of the Assureds; (2)
which result in no loss to the Assured; or (3) which do not result in the invalidity or potential invalidity of
any judicial or non-judicial proceeding which is within the scope and purpose of the assurances
provided.
(c) The identity of any party shown or referred to in Schedule A.
(d) The validity, legal effect or priority of any matter shown or referred to in this Guarantee.
GUARANTEE CONDITIONS AND STIPULATIONS
1. Definition of Terms.
The following terms when used in the Guarantee mean:
(a) the "Assured": the party or parties named as the Assured in this Guarantee, or on a supplemental
writing executed by the Company.
(b) "land": the land described or referred to in Schedule (A)(C) or in Part 2, and improvements affixed
thereto which by law constitute real property. The term "land" does not include any property beyond
the lines of the area described or referred to in Schedule (A)(C) or in Part 2, nor any right, title, interest,
estate or easement in abutting streets, roads, avenues, alleys, lanes, ways or waterways.
(c) "mortgage": mortgage, deed of trust, trust deed, or other security instrument.
(d) "public records": records established under state statutes at Date of Guarantee for the purpose of
imparting constructive notice of matters relating to real property to purchasers for value and without
knowledge.
(e) "date": the effective date.
Form No. 3153353 Subdivision Guarantee
2. Notice of Claim to be Given by Assured Claimant.
An Assured shall notify the Company promptly in writing in case knowledge shall come to an Assured
hereunder of any claim of title or interest which is adverse to the title to the estate or interest, as stated
herein, and which might cause loss or damage for which the Company may be liable by virtue of this
Guarantee. If prompt notice shall not be given to the Company, then all liability of the Company shall
terminate with regard to the matter or matters for which prompt notice is required; provided, however, that
failure to notify the Company shall in no case prejudice the rights of any Assured under this Guarantee
unless the Company shall be prejudiced by the failure and then only to the extent of the prejudice.
3. No Duty to Defend or Prosecute.
The Company shall have no duty to defend or prosecute any action or proceeding to which the Assured is
a party, notwithstanding the nature of any allegation in such action or proceeding.
4. Company's Option to Defend or Prosecute Actions; Duty of Assured Claimant to Cooperate.
Even though the Company has no duty to defend or prosecute as set forth in Paragraph 3 above:
(a) The Company shall have the right, at its sole option and cost, to institute and prosecute any action or
proceeding, interpose a defense, as limited in (b), or to do any other act which in its opinion may be
necessary or desirable to establish the title to the estate or interest as stated herein, or to establish the
lien rights of the Assured, or to prevent or reduce loss or damage to the Assured. The Company may
take any appropriate action under the terms of this Guarantee, whether or not it shall be liable
hereunder, and shall not thereby concede liability or waive any provision of this Guarantee. If the
Company shall exercise its rights under this paragraph, it shall do so diligently.
(b) If the Company elects to exercise its options as stated in Paragraph 4(a) the Company shall have the
right to select counsel of its choice (subject to the right of such Assured to object for reasonable cause)
to represent the Assured and shall not be liable for and will not pay the fees of any other counsel, nor
will the Company pay any fees, costs or expenses incurred by an Assured in the defense of those
causes of action which allege matters not covered by this Guarantee.
(c) Whenever the Company shall have brought an action or interposed a defense as permitted by the
provisions of this Guarantee, the Company may pursue any litigation to final determination by a court of
competent jurisdiction and expressly reserves the right, in its sole discretion, to appeal from an adverse
judgment or order.
(d) In all cases where this Guarantee permits the Company to prosecute or provide for the defense of any
action or proceeding, an Assured shall secure to the Company the right to so prosecute or provide for
the defense of any action or proceeding, and all appeals therein, and permit the Company to use, at its
option, the name of such Assured for this purpose. Whenever requested by the Company, an Assured,
at the Company's expense, shall give the Company all reasonable aid in any action or proceeding,
securing evidence, obtaining witnesses, prosecuting or defending the action or lawful act which in the
opinion of the Company may be necessary or desirable to establish the title to the estate or interest as
stated herein, or to establish the lien rights of the Assured. If the Company is prejudiced by the failure
of the Assured to furnish the required cooperation, the Company's obligations to the Assured under the
Guarantee shall terminate.
Form No. 3153353 Subdivision Guarantee
5. Proof of Loss or Damage.
In addition to and after the notices required under Section 2 of these Conditions and Stipulations have been
provided to the Company, a proof of loss or damage signed and sworn to by the Assured shall be furnished
to the Company within ninety (90) days after the Assured shall ascertain the facts giving rise to the loss or
damage. The proof of loss or damage shall describe the matters covered by this Guarantee which
constitute the basis of loss or damage and shall state, to the extent possible, the basis of calculating the
amount of the loss or damage. If the Company is prejudiced by the failure of the Assured to provide the
required proof of loss or damage, the Company's obligation to such assured under the Guarantee shall
terminate. In addition, the Assured may reasonably be required to submit to examination under oath by
any authorized representative of the Company and shall produce for examination, inspection and copying,
at such reasonable times and places as may be designated by any authorized representative of the
Company, all records, books, ledgers, checks, correspondence and memoranda, whether bearing a date
before or after Date of Guarantee, which reasonably pertain to the loss or damage. Further, if requested by
any authorized representative of the Company, the Assured shall grant its permission, in writing, for any
authorized representative of the Company to examine, inspect and copy all records, books, ledgers,
checks, correspondence and memoranda in the custody or control of a third party, which reasonably
pertain to the loss or damage. All information designated as confidential by the Assured provided to the
Company pursuant to this Section shall not be disclosed to others unless, in the reasonable judgment of
the Company, it is necessary in the administration of the claim. Failure of the Assured to submit for
examination under oath, produce other reasonably requested information or grant permission to secure
reasonably necessary information from third parties as required in the above paragraph, unless prohibited
by law or governmental regulation, shall terminate any liability of the Com pany under this Guarantee to the
Assured for that claim.
6. Options to Pay or Otherwise Settle Claims: Termination of Liability.
In case of a claim under this Guarantee, the Company shall have the following additional options:
(a) To Pay or Tender Payment of the Amount of Liability or to Purchase the Indebtedness.
The Company shall have the option to pay or settle or compromise for or in the name of the Assured
any claim which could result in loss to the Assured within the coverage of this Guarantee, or to pay the
full amount of this Guarantee or, if this Guarantee is issued for the benefit of a holder of a mortgage or
a lienholder, the Company shall have the option to purchase the indebtedness secured by said
mortgage or said lien for the amount owing thereon, together with any costs, reasonable attorneys' fees
and expenses incurred by the Assured claimant which were authorized by the Company up to the time
of purchase.
Such purchase, payment or tender of payment of the full amount of the Guarantee shall terminate all
liability of the Company hereunder. In the event after notice of claim has been given to the Company
by the Assured the Company offers to purchase said indebtedness, the owner of such indebtedness
shall transfer and assign said indebtedness, together with any collateral security, to the Company upon
payment of the purchase price.
Upon the exercise by the Company of the option provided for in Paragraph (a) the Company's obligation to
the Assured under this Guarantee for the claimed loss or damage, other than to make the payment
required in that paragraph, shall terminate, including any obligation to continue the defense or prosecution
of any litigation for which the Company has exercised its options under Paragraph 4, and the Guarantee
shall be surrendered to the Company for cancellation.
(b) To Pay or Otherwise Settle With Parties Other Than the Assured or With the Assured Claimant.
To pay or otherwise settle with other parties for or in the name of an Assured claimant any claim
assured against under this Guarantee, together with any costs, attorneys' fees and expenses incurred
by the Assured claimant which were authorized by the Company up to the time of payment and which
the Company is obligated to pay.
Form No. 3153353 Subdivision Guarantee
Upon the exercise by the Company of the option provided for in Paragraph (b) the Company's obligation to
the Assured under this Guarantee for the claimed loss or damage, other than to make the payment
required in that paragraph, shall terminate, including any obligation to continue the defense or prosecution
of any litigation for which the Company has exercised its options under Paragraph 4.
7. Determination and Extent of Liability.
This Guarantee is a contract of Indemnity against actual monetary loss or damage sustained or incurred by
the Assured claimant who has suffered loss or damage by reason of reliance upon the assurances set forth
in this Guarantee and only to the extent herein described, and subject to the Exclusions From Coverage of
This Guarantee.
The liability of the Company under this Guarantee to the Assured shall not exceed the least of:
(a) the amount of liability stated in Schedule A or in Part 2;
(b) the amount of the unpaid principal indebtedness secured by the mortgage of an Assured mortgagee,
as limited or provided under Section 6 of these Conditions and Stipulations or as reduced under
Section 9 of these Conditions and Stipulations, at the time the loss or damage assured against by this
Guarantee occurs, together with interest thereon; or
(c) the difference between the value of the estate or interest covered hereby as stated herein and the
value of the estate or interest subject to any defect, lien or encumbrance assured against by this
Guarantee.
8. Limitation of Liability.
(a) If the Company establishes the title, or removes the alleged defect, lien or encumbrance, or cures any
other matter assured against by this Guarantee in a reasonably diligent manner by any method,
including litigation and the completion of any appeals therefrom, it shall have fully performed its
obligations with respect to that matter and shall not be liable for any loss or damage caused thereby.
(b) In the event of any litigation by the Company or with the Company's consent, the Company shall have
no liability for loss or damage until there has been a final determination by a court of compet ent
jurisdiction, and disposition of all appeals therefrom, adverse to the title, as stated herein.
(c) The Company shall not be liable for loss or damage to any Assured for liability voluntarily assumed by
the Assured in settling any claim or suit without the prior written consent of the Company.
9. Reduction of Liability or Termination of Liability.
All payments under this Guarantee, except payments made for costs, attorneys' fees and expenses
pursuant to Paragraph 4 shall reduce the amount of liability pro tanto.
10. Payment of Loss.
(a) No payment shall be made without producing this Guarantee for endorsement of the payment unless
the Guarantee has been lost or destroyed, in which case proof of loss or destruction shall be furnished
to the satisfaction of the Company.
(b) When liability and the extent of loss or damage has been definitely fixed in accordance with these
Conditions and Stipulations, the loss or damage shall be payable within thirty (30) days thereafter.
11. Subrogation Upon Payment or Settlement.
Whenever the Com pany shall have settled and paid a claim under this Guarantee, all right of subrogation
shall vest in the Company unaffected by any act of the Assured claimant.
The Company shall be subrogated to and be entitled to all rights and remedies which the Assured would
have had against any person or property in respect to the claim had this Guarantee not been issued. If
requested by the Company, the Assured shall transfer to the Company all rights and remedies against any
person or property necessary in order to perfect this right of subrogation. The Assured shall permit the
Company to sue, compromise or settle in the name of the Assured and to use the name of the Assured in
any transaction or litigation involving these rights or remedies.
Form No. 3153353 Subdivision Guarantee
If a payment on account of a claim does not fully cover the loss of the Assured the Company shall be
subrogated to all rights and remedies of the Assured after the Assured shall have recovered its principal,
interest, and costs of collection.
Form No. 3153353 Subdivision Guarantee
12. Arbitration.
Unless prohibited by applicable law, either the Company or the Assured may demand arbitration pursuant
to the Title Insurance Arbitration Rules of the American Land Title Association. Arbitrable matters may
include, but are not limited to, any controversy or claim between the Company and the Assured arising out
of or relating to this Guarantee, any service of the Company in connection with its issuance or the breach of
a Guarantee provision or other obligation. All arbitrable matters when the Amount of Liability is $2,000,000
or less shall be arbitrated at the option of either the Company or the Assured. All arbitrable matters when
the amount of liability is in excess of $2,000,000 shall be arbitrated only when agreed to by both the
Company and the Assured. The Rules in eff ect at Date of Guarantee shall be binding upon the parties.
The award may include attorneys' fees only if the laws of the state in which the land is located permits a
court to award attorneys' fees to a prevailing party. Judgment upon the award rendered by the Arbitrator(s)
may be entered in any court having jurisdiction thereof.
The law of the situs of the land shall apply to an arbitration under the Title Insurance Arbitration Rules.
A copy of the Rules may be obtained from the Company upon request.
13. Liability Limited to This Guarantee; Guarantee Entire Contract.
(a) This Guarantee together with all endorsements, if any, attached hereto by the Company is the entire
Guarantee and contract between the Assured and the Company. In interpreting any provision of t his
Guarantee, this Guarantee shall be construed as a whole.
(b) Any claim of loss or damage, whether or not based on negligence, or any action asserting such claim,
shall be restricted to this Guarantee.
(c) No amendment of or endorsement to this Guarantee can be made except by a writing endorsed hereon
or attached hereto signed by either the President, a Vice President, the Secretary, an Assistant
Secretary, or validating officer or authorized signatory of the Company.
14. Notices, Where Sent.
Any notice of claim and any other notice or statement in writing required to be given to the Company under
this policy must be given to the Company at 12909 SW 68th Pkwy., Suite 350, Portland, OR 97223. WFG
National Title Insurance Company’s telephone number is (800) 334-8885. Email address:
claims@wfgnationaltitle.com .
WFG Privacy Policy
Plain English Privacy Statement
for Appraisal, Title & Escrow Customers
WFG believes it is important to protect your privacy and confidences. We recognize and respect the privacy
expectations of our customers. We believe that making you aware of how we collect information about you, how we
use that information, and with whom we share that information will form the basis for a relationship of trust between
us. This Privacy Policy provides that explanation. We reserve the right to change this Privacy Policy from time to
time.
Williston Financial Group, LLC, WFG National Title Insurance Co. and each of the affiliates listed below (collectively
“WFG” or the “WFG Family”) are obligated to comply with Federal and state privacy laws. While there are some
common requirements to those laws, the definitions and duties differ significantly from law-to-law and state-to-state.
A privacy statement drafted to comply with all of the applicable privacy laws and their differing definitions would
likely be confusing. Therefore, in an attempt to better communicate our privacy policies, WFG designed this “Plai n
English” explanation, followed by the Gramm-Leach-Bliley Act model form and website links to State-Specific
Privacy Notices in order to provide you with the complete, legal privacy notices and disclosures required under
Federal and applicable State Laws.
WFG’s primary business is providing appraisal, title insurance and, escrow services for the sale or refinance of real
property. This can be a complicated process, involving multiple parties, many of whom have been selected by our
customers, each filling a specialized role. In part, you have hired WFG to coordinate and smooth the passage of the
information necessary for an efficient settlement or closing.
In the course of this process, WFG collects a significant amount of personal and identifying information about the
parties to a transaction, including sensitive items that include but are not limited to: your contact information
including email addresses, Social Security numbers, driver’s license and, other identification numbers and
information; financial, bank and insurance information; information about past and proposed mortgages and loans;
about properties you currently or previously owned; your mortgage application package; and the cookie, IP
address, and other information captured automatically by computer systems.
Much of this information is gathered from searches of public land records, tax, court and credit records to make
certain that any liens, challenges, or title defects are addressed properly. Some of the information that is collected
is provided by you, or the computer systems you use. We also may receive information from real estate brokers
and agents, mortgage brokers and, others working to facilitate your transaction. We also may receive information
from public, private or governmental databases including credit bureaus, ‘no-fly’ lists, and terrorist ‘watch lists’ , as
well as from your lenders and credit bureaus.
What Information is Shared?
WFG DOES NOT SELL any of your information to non -affiliated companies for marketing or any other
purpose.
However, some of the same information does get shared with persons inside and outside the WFG Family in order
to facilitate and complete your transaction.
For example:
Information, draft documents, and closing costs will pass back and forth between WFG and your mortgage
broker and lender to facilitate your transaction.
Information, including purchase agreements and amendments, will pass back and forth between WFG and
the real estate agents and brokers, the mortgage brokers and lenders, the lawyers and accountants, and
others involved in facilitating the transaction.
WFG may order property searches and examinations from title searchers, abstractors and title plants.
WFG may use third parties to obtain tax information, lien information, payoff information, condominium and,
homeowners’ association information and payoff information.
Third parties may be engaged to prepare documents in connection with your transaction.
Surveys, appraisals and, inspections may be ordered.
Form No. 3153353 Subdivision Guarantee
Within the WFG Family of companies, we may divide up the work to handle each closing in the most
efficient manner possible and to meet specific legal and licensing requirements. Certain parts of your
closing (for example a search or disbursement) may be handled by another divisi on or company within the
WFG Family.
When it is time for signatures, your complete closing package may be sent to a notary, remote online
notary, or notary service company who will arrange to meet with you to sign documents. The notary will, in
turn, send signed copies back to us along with copies of your driver’s license or other identity documents
usually by mail, UPS, Federal Express or another courier service.
Your deed, mortgage and other documents required to perfect title will be recorded with the local recorder
of deeds.
In some cases, we use an outside service to coordinate the recording or electronic-recording of those
instruments, and they will receive copies of your deeds, mortgages and other recordable documents to
process, scan and send on to the recording office.
Various government agencies get involved. The law requires us to provide certain information to the IRS,
the US Treasury, local and state tax authorities and other governmental agencies.
You have a choice in the selection of a mortgage broker, lender, real estate broker or agent and others that make
up your ‘transaction team.’ Information flows to and from the members of the transaction team you have selected to
facilitate an efficient transaction for you.
When WFG selects and engages a third-party provider, we limit the scope of the information shared with that third
party to the information reasonably necessary for that service provider to provide the requested services. With
most, we have entered into express agreements in whi ch they expressly commit to maintain a WFG customer’s
information in strict confidence and use the information only for purposes of providing the requested services,
clearing title, preventing fraud and addressing claims under our title insurance policies.
How does WFG use your Information?
We may use your personal information in a variety of ways, including but not limited to:
Provide the products, services and title insurance you have requested and to close and facilitate your
transaction.
Coordinate and manage the appraisal process.
Handle a claim or provide other services relating to your title insurance policies.
Create and manage your account.
Operate and improve WFG’s applications and websites, including WFG MyHome®, WFG’s secure
communication and transaction portal. Your information is used for access management, payment
processing, site administration, internal operations, troubleshooting, data analysis, testing, research, and
for statistical purposes.
Respond to your requests, feedback, or inquiries.
Comply with laws, regulations, and other legal requirements.
Comply with relevant industry standards and our policies, including managing WFG’s risk profile through
reinsurance.
Protect and enforce your rights and the rights of other users against unl awful activity, including identity theft
and fraud.
Protect and enforce our collective rights arising under any agreements entered into between WFG and you
or any other third party;
Protect the integrity and maintain security of our applications, websites, and products;
Operate, evaluate, and improve our business; and
Provide you with information about products, services, and promotions, from WFG or third parties that may
interest you.
How Do We Store and Protect Your Personal Information?
Although no system can guarantee the complete security of your personal information, we will use our best efforts
to maintain commercially reasonable technical, organizational, and physical safeguards, consistent with applicable
law, to protect your personal information and our systems and sites from malicious intrusions or hacking.
Form No. 3153353 Subdivision Guarantee
How Long Do We Keep Your Personal Information?
We keep your personal information for as long as necessary to comply with the purpose for which it was collected,
our business needs, and our legal and regulatory obligations. We may store some personal information indefinitely.
If we dispose of your personal information, we will do so in a way that is secure and appropriate to the nature of the
information subject to disposal.
Computer Information
W hen you access a WFG website, or communicate with us by e-mail, we may automatically collect and store more
information than you are expressly providing when you fill out a survey or send an email. This may include:
Your IP Address.
Your email address, your alias and, social media handles.
The type of browser and operating system you use.
The time of your visit.
The pages of our site you visit.
Cookies.
In order to provide you with customized service, we make use of Web browser cookies. Cookies are files that help
us identify your computer and personalize your online experience. You may disable cookies on your computer, but
you may not be able to download online documents or access certain sites unless cookies are enabled.
The technical information we collect is used for administrative and technical purposes and to prevent fraud and
provide identity verification. 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 to our Web site, assess how our advertisements on other sites are working, help with maintenance,
and improve our customers’ experience.
We may compare information gathered on previous visits to verify that we are interacting with the same parties and
not a potential imposter.
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.
The information you and your transaction team send us in emails or attached to an email, or provide through any of
our online tools, is used for purposes of providing title, escrow and appraisal management services and used for
the purposes described above.
Links to Third Party Sites
Our Applications and Websites may contain links to third-party websites and services. Please note that these links
are provided for your convenience and information, and the websites and services may operate independently from
us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Notice
applies to WFG’s applications and websites only.
Do Not Track
Because there is not an industry-standard process or defined criteria to permit a user to opt-out of tracking their
online activities (Do Not Track or DNT), our websites do not currently change the way they operate based upon
detection of a "Do Not Track" or similar signal. Likewise, we cannot assure that third parties are not able to collect
information about your online activities on WFG websites or applications.
Social Media Integration
Our applications, websites, and products contain links to and from social media platforms. You may choose to
connect to us through a social media platform, such as Facebook, Twitter, Google, etc. When you do, we may
collect additional information from or about you, such as your screen names, profile picture, contact information,
contact list, and the profile pictures of your contacts, through the social media platform. The social media platforms
may also collect information from you.
When you click on a social plug-in, such as Facebook's "Like" button, Twitter's "tweet" button or the Google+, that
particular social network's plugin will be activated and your browser will directly connect to that provider's servers.
Your action in clicking on the social plug-in causes information to be passed to the social media platform.
Form No. 3153353 Subdivision Guarantee
We do not have control over the collection, use and sharing practices of social media platforms. We, therefore,
encourage you to review their usage and disclosure policies and practices, including their data security practices,
before using social media platforms.
How Can You “Opt-Out?”
We do not sell your information; therefore there is no need to opt-out of such reselling. Under various laws, you
can opt-out of the sharing of your information for more narrow purposes. For additional detail, consult the Links
under the “Legal” Notices attached below.
The “Legal” Notices
To comply with various federal and state laws, we are required to provide more complete legal notices and
disclosures. In reviewing these, you will find that these notices incorporate the definitions and terminology used in
the respective privacy laws which can often be somewhat convoluted and may even seem inconsistent with the
descriptions above. The state-specific statutes may also give residents of those states additional rights and
remedies.
Privacy Notice for California Residents - https://national.wfgnationaltitle.com/privacy-notice-california
Privacy Notice for Oregon Residents - https://national.wfgnationaltitle.com/privacy-notice-oregon
How to Contact Us
If you have any questions about WFG’s privacy policy or how we protect your information, please contact WFG:
• By email: Consumerprivacy@willistonfinancial.com
• By telephone: 833-451-5718
• 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
Revised 6.12.20
Form No. 3153353 Subdivision Guarantee
Rev. 12/2019
FACTS WHAT DOES WILLISTON FINANCIAL GROUP 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 other government identification information
Your name, address, phone, and email
Information about the property, any liens and restrictions
Financial Information including credit history and other debt
Financial account information, including wire transfer instructions.
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 Williston Financial Group chooses to share; and whether you can
limit this sharing.
Reasons we can share your personal information Does Williston Financial Group 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
Yes No
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
To limit
our sharing
Call 833-451-5718—our menu will prompt you through your choice(s)
Visit us online: http://bit.ly/WFGsConsumerPrivacyInformationRequestPage or e-mailing us
at consumerprivacy@willistonfinancial.com
Mail the form below
Please note:
If you are a new customer, we can begin sharing your information from the date we sent this notice.
When you are no longer our customer, we continue to share your information as described in this
notice.
However, you can contact us at any time to limit our sharing.
Questions? Call 833-451-5718 or Email consumerprivacy@willistonfinancial.com
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - --
Mail-In Form
If you have a joint
policy, your choices
will apply to
everyone on your
account.
Mark any/all you want to limit:
[ ] Do not share information about my creditworthiness with your affiliates for their everyday
business purposes.
[ ] Do not allow your affiliates to use my personal information to market to me.
[ ] Do not share my personal information with nonaffiliates to market their products and services to
me.
Name Mail to:
Williston Financial
Group
PRIVACY DEPT
12909 SW 68th Pkwy,
#350
Portland, OR 97223
Address
City, State, Zip
File Number
Form No. 3153353 Subdivision Guarantee
Form No. 3153353 Subdivision Guarantee
Page 2
Who we are
Who is providing this notice Williston Financial Group, LLC and its affiliates and subsidiaries as
listed below:
What we do
How does Williston Financial Group 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. We limit access to your information to employees that
need to use the information to process or protect transaction. We
take industry standard (IPSEC) measures to protect against
malicious intrusions or hacking
How does Williston Financial Group collect my
personal information?
We collect your personal information, for example, when you
Apply for insurance
Engage us to provide appraisal, title and escrow services
Give us your contact information
Provide your mortgage information
Show your driver’s license
We also collect your personal information from others, such as real
estate agents and brokers, mortgage brokers, lenders, credit
bureaus, affiliates, and others
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. See below for more on your rights under state law.
What happens when I limit sharing for an account I
hold jointly with someone else?
Your choices will apply to everyone on your policy.
Definitions
Affiliates Companies related by common ownership or control. They can be
financial and nonfinancial companies.
Our affiliates include companies with a common corporate identity,
including those listed below.
Nonaffiliates Companies not related by common ownership or control. They can
be financial and nonfinancial companies.
Nonaffilliates we share with can include real estate agents and
brokers, mortgage brokers, lenders, appraisers, abstractors and title
searchers and others as appropriate to facilitate your transaction.
Joint marketing A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
Williston Financial Group does not jointly market.
Other important information
As a resident or citizen of certain states, we may have to provide additional state specific privacy notices and you may have
rights other than as set forth above. The links below will provide state specific information:
Privacy Notice for California Residents - https://national.wfgnationaltitle.com/privacy-notice-california
Privacy Notice for Oregon Residents - https://national.wfgnationaltitle.com/privacy-notice-oregon