HomeMy WebLinkAboutL_Title_Report _Skyhorse_210427_v1Form No. 3153353 Subdivision Guarantee
Newfourth, LLC
Reference:Newfourth, LLC
Order No.:20-118467 Liability:$1,000.00
Charge:$350.00
Tax:$35.00
Total:$350.00
SUBDIVISION GUARANTEE
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:April 13, 2021
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.:3153353-3389270 Liability:$1,000.00
Date of Guarantee:April 13, 2021 Fee:$350.00
1.Name of Assured:
Newfourth, LLC
2.Date of Guarantee:
October 8, 2020
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:
Newfourth, LLC, a Washington Limited Liability Company
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:2021
Tax Type:County
Tax ID No.:1457500021
Taxing Entity:King County Treasurer
Total Annual Tax:$5,345.78
First Installment:$2,672.89
First Installment Status:Due
First Installment Due/Paid Date:April 30, 2021
First Installment Delinquent Date:May 1, 2021
Second Installment:$2,672.89
Second Installment Status:Due
Second Installment Due/Paid Date:October 31, 2021
Second Installment Delinquent Date:November 1, 2021
Notes:View Taxes
Taxes and charges, together with interest, penalty and statutory foreclosure costs, if any, after delinquency:
Tax Year:2021
Tax Type:County
Tax ID No.:1457500023
Taxing Entity:King County Treasurer
Form No. 3153353 Subdivision Guarantee
Total Annual Tax:$3,182.52
First Installment:$1,591.26
First Installment Status:Due
First Installment Due/Paid Date:April 30, 2021
First Installment Delinquent Date:May 1, 2021
Second Installment:$1,591.26
Second Installment Status:Due
Second Installment Due/Paid Date:October 31, 2021
Second Installment Delinquent Date:November 1, 2021
Notes:View Taxes
Taxes and charges, together with interest, penalty and statutory foreclosure costs, if any, after delinquency:
Tax Year:2021
Tax Type:County
Tax ID No.:1323059053
Taxing Entity:King County Treasurer
Total Annual Tax:$2,633.15
First Installment:$1,316.58
First Installment Status:Due
First Installment Due/Paid Date:April 30, 2021
First Installment Delinquent Date:May 1, 2021
Second Installment:$1,316.57
Second Installment Status:Due
Second Installment Due/Paid Date:October 31, 2021
Second Installment Delinquent Date:November 1, 2021
Notes:View Taxes
3. Liability for supplemental taxes for improvements which have recently been constructed on the land.
Land improvements are not presently assessed, but may appear on future tax rolls.
4. INTENTIONALLY DELETED
5. Deed of Trust and the terms and conditions thereof:
Grantor:George H. Conklin, as his separate estate
Trustee:Pacific Northwest Title Company
Lender/Beneficiary:American General Home Equity Inc.
Original Amount:$297,430.83
Dated:May 18, 2006
Recorded:May 19, 2006
Recording No.:20060519001158
We find no reconveyance of record for said Deed of Trust.
6. NOTE: There is a manufactured home title elimination filed on January 29, 2010, in 20100129000180, of
Official Records.
7. Lack of actual vehicular or actual pedestrian access, or both, to and from the land, whether or not based
upon a legal right. Affects Parcel C
8. Right, title and interest of the public in and to any roadway upon the subject premises which is referenced
to in the deed under which title is held by a recital therein reading "Except Road”. Affects: Parcel C
9. Easement and the terms and conditions thereof affecting a portion
of said premises, as recorded under 3138768 of Official Records.
In Favor of:Puget Sound Power & Light Company
For:Electric transmission line
10. Reservations in favor of Northern Pacific Railroad Company, as contained in instrument recorded in
241250, of Official Records. Affects: Parcel C
Form No. 3153353 Subdivision Guarantee
11. Easement and the terms and conditions thereof affecting a portion
of said premises, as recorded under 3617832 of Official Records.
For:Roadway
Affects: Parcel C
Restrictions contained in said document pertaining to race and that “all buildings to be 50 feet from any
boundary line” are invalid and not enforceable per Court Order filed on February 19, 2020 under King
County Superior Court Case No. 19-2-18389-6 KNT.
12. Matters set forth by survey recorded on November 28, 1973, in 7311280414, of Official Records.
13. Right to make necessary slopes for cuts or fills upon the land herein described:
Granted to:King County
Deed Recorded:September 16, 1974
RecordingNo.:7409160024, of Official Records.
Affects: Parcel B
14. Right to make necessary slopes for cuts or fills upon the land herein described:
Granted to:King County
Deed Recorded:September 16, 1974
RecordingNo.:7409160025, of Official Records.
Affects: Parcel A
15. Easement and the terms and conditions thereof affecting a portion
of said premises, as recorded under 20210406000762 of Official Records.
In Favor of:City of Renton
For:Utilities
Form No. 3153353 Subdivision Guarantee
EXHIBIT “A”
LEGAL DESCRIPTION
PARCEL A 1457500021:
THE EAST 118.76 FEET OF THE NORTH 143.71 FEET OF LOT 5, BLOCK 1, CEDAR PARK FIVE ACRE
TRACTS, ACCORDING TO THE PLAT THEREOF, RECORDED IN VOLUME 15 OF PLATS, PAGE 91, IN KING
COUNTY, WASHINGTON;
EXCEPT THE NORTH 30 FEET THEREOF CONVEYED TO KING COUNTY FOR SOUTHEAST 132ND BY
RECORDING NUMBERS 7409160025 AND 7409160024;
AND EXCEPT THAT PORTION CONVEYED TO THE CITY OF RENTON UNDER KING COUNTY RECORDING
NO. 20210413002969;
PARCEL B 1457500023:
LOT 5, BLOCK 1 OF CEDAR PARK FIVE ACRE TRACTS, AS PER PLAT RECORDED IN VOLUME 15 OF
PLATS, PAGE 91, RECORDS OF KING COUNTY, WASHINGTON;
EXCEPT THE WEST 358.51 FEET THEREOF MEASURED ALONG THE NORTH BOUNDARY OF SAID LOT 5;
ALSO EXCEPT THE EAST 118.76 FEET OF THE NORTH 143.71 FEET OF SAID LOT 5;
AND EXCEPT THE NORTH 30 FEET THEREOF;
PARCEL C 1323059053:
THE WEST 200 FEET OF THE NORTH HALF OF THE NORTH HALF OF THE SOUTHWEST QUARTER OF THE
NORTHWEST QUARTER OF SECTION 13, TOWNSHIP 23 NORTH, RANGE 5 EAST, W.M., IN KING COUNTY,
WASHINGTON;
Tax Account No(s):1457500021, 1457500023, 1323059053
Form No. 3153353 Subdivision Guarantee
SCHEDULE OF EXCLUSIONS FROM COVERAGE OF THIS GUARANTEE
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 title, 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 Company 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 competent
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 Company 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 effect 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 this
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 who 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 “Plain
English” explanation, followed by the Gramm-Leach-Bliley Act model form and 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, your 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.
Within the WFG Family of companies, we may divide up the work to handle each closing in the most
efficient and compliant 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 division or
company within the WFG family.
Form No. 3153353 Subdivision Guarantee
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 which 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 unlawful 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.
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.
Form No. 3153353 Subdivision Guarantee
Computer Information
When 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.
(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.
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.
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.
Form No. 3153353 Subdivision Guarantee
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.
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
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 [30] days 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@willsitonfinancial.com
- - - - - - - - - - - - - - - -- - - - - - - -- - - - - - - -- - - - - - - -- - - - - - - -- - - - - - - -- - - - - - - -- - - - - - - -- - - - - - -
Mail-In Form
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
Address
City, State, Zip
If you have a joint
policy, your choices
will apply to
everyone on your
account.
File Number
Mail to:
Williston Financial Group
PRIVACY DEPT
12909 SW 68th Pkwy, #350
Portland, OR 97223
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 privacy notices below will provide state-specific information:
Form No. 3153353 Subdivision Guarantee
PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy
Statement of WFG NATIONAL TITLE INSURANCE COMPANY and its parent, subsidiaries and affiliates
(collectively, “WFG” “we,” “us,” or “our”) and applies solely to customers, parties to real estate transactions, visitors,
users, and others who reside in the State of California (“consumer” or “you”). We have adopted this notice to
comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms
defined in the CCPA have the same meaning when used in this notice.
Your Rights as a California Consumer
Under California Law, you have the right to request that WFG disclose what personal information we collect, use,
disclose, and sell. You have the right to opt-out of a sale of your personal information, and you may request the
deletion of your personal information. You will not receive discriminatory treatment by WFG if you exercise any of
your privacy rights under CCPA.
You may also designate an authorized agent to make a request under the CCPA on your behalf.
These are not absolute rights, they are subject to exceptions and limitations which we are happy to discuss as they
may apply to your particular circumstances and the services you have engaged WFG to supply.
If you would like to exercise any of these rights or to designate an authorized agent, you may start the process by:
Emailing us at consumerprivacy@willistonfinancial.com
Going to http://bit.ly/WFGsConsumerPrivacyInformationRequestPage
Calling us at: 833-451-5718; or
Going into any WFG office and making the request in person.
In exercising any of these rights, we must make absolutely certain we are dealing with you or your authorized
agent. So depending on how you submit your request, we will be asking you to confirm your identity, which may
include providing additional documentation or information to verify it is really you, and we may send a notary or
other person to meet with you in person or require you to come into a WFG office to verify your identity. Some of
the identification process may be handled through an online portal and may include knowledge-based identification
questions.
Information We Collect
WFG’s primary business is providing appraisal, title and escrow services for the sale or refinance of real estate.
This can be a complicated and legalistic process. In part, you have hired WFG to centralize and smooth the
passage of all the information necessary for your real estate transaction and to have us coordinate a smooth and
efficient closing. In the course of providing those services to you, we collect a significant amount of personal
information.
We do not knowingly collect, maintain or use personal information from children under the age of 18 and no part of
our Services are directed or targeted to children. If you become aware that a child under the age of 18 has provided
WFG with personal information in violation of this Privacy Policy, please alert us at
Consumerprivacy@willistonfinancial.com.
The CCPA requires us to list the statutory categories of consumers’ personal information that we have collected
about any consumers in the preceding 12 months. Much of this information is gathered from our searches of the
land, tax, court and credit records to make certain that any liens, challenges, or title defects are addressed properly.
Some of it is provided by you, or your computer systems. Some come from real estate agents and brokers,
mortgage brokers and others working to facilitate your transaction, and some are provided by your lenders and
credit bureaus. Here’s how it breaks down:
Form No. 3153353 Subdivision Guarantee
Category and Examples From where do we get this
Information?
Purpose Collected 3rd Parties with
whom shared
Identifiers. Such as your name,
spouse’s name, maiden names,
family member’s names, aliases,
postal address, unique personal
identifier, online identifiers, Internet
Protocol address, email address,
account name, Social Security
number, driver's license number,
passport number, or other similar
identifiers
You, your family and agents
Your computer, tablet and cell
phone
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
Surveyors, appraisers,
abstractors, title plants, title
searchers
Lien searchers and clearance
companies
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Personal information categories listed
in Cal. Civ. Code § 1798.80(e) such as
your name, signature, Social Security
number, physical characteristics or
description, address, telephone
number, passport number, driver's
license or state identification card
number, insurance policy number,
education, employment, employment
history, bank account number, credit
card number, debit card number, or
any other financial information..
You, your family and agents
Your computer, tablet and cell
phone
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
Surveyors, appraisers, abstractors,
title plants, title searchers
Lien searchers and clearance
companies
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Protected classification characteristics
under California or federal law
including your age, race, color, marital
status, sex, physical disability, and
veteran or military status as such
information appears in driver license
and other identity documents and in
loan application materials.
You, your family and agents
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Commercial information mostly in the
form of real property records,
mortgage records and lien records.
You, your family and agents
Your computer, tablet and cell
phone
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
Surveyors, appraisers, abstractors,
title plants, title searchers
Lien searchers and clearance
companies
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Biometric information as contained in
drivers licenses and identity
documents; captured on security
cameras in our offices; and as
You, your family and agents
Notaries and others handling
Each Category of
information will be used in
various combinations for the
following purposes:
To provide the services
and products requested,
including title and
settlement services,
evaluating the state of
title of a property and
identifying the liens and
encumbrances affecting
that property, to close
loans, to record your
deeds, mortgages and
other instruments
affecting title, make filings
with government
agencies, clearing title
defects, to provide
customer support to you
and others involved in
your transaction.
To prevent fraud in
transactions, to find,
prevent and respond to
online and offline security
issues, and for purposes
of Identity verification
For Government and
regulatory compliance
and reporting, to comply
with relevant industry
standards and best
practices and WFG
policies.
To maintain and
supplement title plants,
databases of prior policies,
subdivision master
searches and other
resources which may
expedite future
transactions affecting your
property.
To use and optimize our
computer systems,
understand how you use
our online an web
resources and improve our
websites and apps and
present their contents to
you; while maintaining the
See Below
“Disclosure of
Personal
Information for a
Form No. 3153353 Subdivision Guarantee
required for notarization and e-
notarization in some states.
closing and signing functions
Your computer, tablet and cell
phone
Business
Purpose”
Internet or other similar network
activity such as information on how
you interact with and use our
websites, applications, emails, texts
and other electronic resources
You, your family and agents
Your computer, tablet and cell
phone
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Geolocation data, primarily in the form
of the location of your property and
when and where someone may be
meeting you for signatures, etc.
You, your family and agents
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
Surveyors, appraisers, abstractors,
title plants, title searchers
Lien searchers and clearance
companies
Notaries and those handling closing
and signing
Your computer, tablet and cell
phone
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Audio, electronic, visual, thermal,
olfactory, or similar information.
Should you choose to interact with us
by phone, video link or come into our
offices your voice or images may be
recorded
You, your family and agents
Your computer, tablet and cell
phone
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Professional or employment-related
information.
Current or past job history is often a
part of loan applications and
statements of information.
You, your family and agents
Mortgage brokers, lenders and
credit bureaus
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Inferences drawn from other personal
information.
You, your family and agents
Your computer, tablet and cell
phone
Real estate agents and brokers
involved in the transaction
Mortgage brokers, lenders and
credit bureaus
Surveyors, appraisers, abstractors,
title plants, title searchers
Lien searchers and clearance
companies
integrity and security of our
applications, websites and
products.
To provide you with email,
text and video alerts, event
registrations and other
notices concerning our
products or services, or
events or news, that may
be of interest to you.
To carry out our obligations
and enforce our rights
arising from the contracts
entered into between you
and us, and with others,
including for billing and
collections and handling of
claims under a title policy.
For testing, research,
analysis and product
development.
As necessary or
appropriate to protect the
rights, property or safety of
us, insureds, our
customers, and others.
To respond to law
enforcement, regulatory,
and lender requests and
as required by applicable
law, court order, or
governmental regulations.
As described to you when
collecting your personal
information or as otherwise
set forth in the CCPA and
the Gramm-Leach-Bliley
Act.
To evaluate or conduct a
merger, divestiture,
restructuring,
reorganization, dissolution,
or other sale or transfer of
some or all of our assets,
whether as a going
concern or as part of
bankruptcy, liquidation, or
similar proceeding, in
which personal information
held by us is among the
assets transferred.
See Below
“Disclosure of
Personal
Information for a
Business
Purpose”
Form No. 3153353 Subdivision Guarantee
Disclosure of Personal Information for a Business Purpose
WFG DOES NOT SELL your information for monetary or other valuable consideration for marketing or any
other purpose.
However, some of your information does get shared, and within the last 12 months has been shared with persons
outside of the WFG family of companies in order to better facilitate and complete your transactions and for other
business and commercial purposes.
For example:
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, mortgage payoff information,
condominium, and homeowners’ association information and payoff information.
WFG may engage third parties to prepare documents in connection with your transaction.
WFG may order surveys, appraisals, and inspections and/or communicate with those service providers.
Those services can’t be ordered without providing basic information about the property involved, the parties, and/or
the liens to those service providers.
Within the WFG family of companies, we divide up the work to handle each closing most efficiently and to
meet specific legal and licensing requirements. So certain parts of your closing (for example a search or
disbursement) may be handled by another division or company within the WFG family.
When it is time for signatures, your complete closing package may be sent to a mobile 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 other courier service and sometimes by email or
another electronic transmission.
Your deed, mortgage and other documents required to perfect or clarify title will be recorded with the local
recorder of deeds.
We may use an outside service to coordinate the recording or e-recording of those instruments, and they
will receive copies of deeds, mortgages and other recordable documents to process, scan and send on to
the recording office.
Information and draft documents will pass back and forth between WFG and the lenders and mortgage
brokers to facilitate your transaction.
Information, including purchase agreements and amendments, will pass back and forth between WFG and
the Real estate agents and brokers, lenders, the mortgage brokers and others facilitating the transaction;
and
Various government agencies get involved. The law requires us to provide certain information to the IRS,
the US Treasury, local and state tax authorities, recorders of deeds and other governmental agencies.
In resolving claims and mitigating losses, we may engage outside counsel and other service providers
(such as surveyors and appraisers) to assist in resolving the claim.
From time to time, we are required to respond to law enforcement, regulatory, and lender requests and as
required by applicable law, court order, or governmental regulations.
Contact for More Information
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and
use your personal information, your choices and rights regarding such use, or wish to exercise your rights under
California law, please do not hesitate to contact us at:
Emailing us at consumerprivacy@willistonfinancial.com
Going to http://bit.ly/WFGsConsumerPrivacyInformationRequestPage
Calling us at: 833-451-5718; or
Going into any WFG office and making the request in person.
The business is not subject to requirements set forth section 999.317(g) of the California Consumer Privacy Act
Regulations
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this
privacy notice, we will notify you by email or through a notice on our website homepage.
Form No. 3153353 Subdivision Guarantee
Privacy Notice for 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.
Emailing us at consumerprivacy@willistonfinancial.com
Calling us at: 833-451-5718; or
Going into any WFG office and making the request in person.
Revised 12/31/19
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COVENANTS.Borrower and Lender covenant and follows:agree as1.Payment of Principal and interest;Prepayment and Late Charges.Borrower shall promptly paywhenduetheprincipalofandinterestthedebtevidencedbytheNoteonandprepaymentandlatechargesanydueundertheNote.
2.Funds for Taxes and Insurance.At the request of Lender,Borrower shall begin making monthlypaymentsintoaccountforthepaymentofanescrowyearlytaxes,insurance and other yearly charges imposedtheProperty.upon
3.Application of Payments.Unless applicable law provides otherwise,Lender will apply payments inaccordancewiththetermsoftheNoteherebysecured.
4.Charges;Liens.Borrower shall all taxes,assessments,pay charges,fines and impositions attributabletothePropertywhichattainprioritythisSecuritymayInstrument,over and leasehold payments groundorrents,if Borrower shall these obligationsany.in thepay prescribed by Lendermanner and time directly toontheowedpayment.Borrowerperson shall promptly furnish to Lender all notices of amounts to be paid underthisparagraph.If Borrower makes these payments directly,Borrower shall promptly furnish to Lender receiptsevidencingthepayments.
Borrower shall promptly discharge lien which has priorityany overthis Security instrument unless Borrower:(a)in writing to the payment ofagrees the obligation secured by the lien in acceptable to Lender;a manner (b)contests in good faith the lien by,defends against enforcementor of the lien in,legal proceedings which in theLender's opinion operate to prevent the enforcement of the lien forfeiture of part ofor the Property;(c)any orfromtheholderoftheliensecuresagreementsatisfactonytoLenderansubordinatingthelientothisSecurityinstrument.If Lender determines that part of the Property is subjectany to lien which attain priorityamay overthisSecurityInstrument,Lender give Borrower notice identifyingmay the lien.a Borrower shall satisfy the lientakeoftheactionsorsetforthoneaboveormorewithin10daysofthegivingofnotice.
5.Hazard insurance.Borrower shall keep the improvements existing hereafternow erected theoronPropertyinsuredagainstlossbyfire,hazards included within the term "extended coverage"and otheranyhazardsforwhichLenderrequiresinsurance.This insurance shall be maintained in the amounts and for theperiodsthatLenderrequires.The insurance carrier providing the insurance shall be chosen by BorrowersubjecttoLender's approval which shall not be unreasonably withheld.
All insurance policies and renewals shall be acceptable to Lender and shall include standard mortgageaclause.Lender shall have the right to hold the policies and renewals.If Lender requires,Borrower shallpromptlygivetoLenderallreceiptsofpaidpremiumsandrenewalnotices.In the event of loss,Borrower shallgivepromptnoticetotheinsurancecarrierandLender.Lender make proof of loss ifmay not made promptlybyBorrower.
Unless Lender and Borrower otherwise in writing,insuranceagree proceeds shall be applied to restorationrepairofthePropertydamaged,or if the restoration repair is economically feasibleor and Lender's security isnotlessened.if the restoration repair is not economicallyor feasible Lender's security would beor lessened,the insurance proceeds shall be applied to the secured by this Securitysums Instrument,whether not thenordue,with paid to Borrower.If Borroweranyexcess abandons the Property,does not withinor 30 daysanswernoticefromLenderthattheinsuranceacarrierhasofferedtosettleclaim,then Lendera collect themayinsuranceproceeds.Lender the proceeds to repairmayuse restore the Propertyor to securedor bypaysumsthisSecurityInstrument,whether not then due.The 30-dayor period will begin when the notice is given.Unless the Note provides otherwise,application ofany proceeds to principal shall not extend postpone theorduedateofthemonthlypaymentsreferredtoinparagraphs1and2changetheamountoftheorpayments.ifunderparagraph18thePropertyisacquiredbyLender,Borrower's right to insurance policiesany andproceedsresultingfromdamagetothePropertypriortotheacquisitionshalltoLendertotheextentpassofthesecuredbythisSecurityInstrumentsumsimmediatelypriortotheacquisition.
6.Preservation and Maintenance of Property;Leaseholds.Borrower shall not destroy,damage orsubstantiallychangetheProperty,allow the Property to deteriorate commit waste.if this Securityorinstrumentisleasehold,Borrower shallona comply with the provisions ofthe lease,and if Borrower acquiresfeetitletotheProperty,the leasehold and fee title shall not unless Lendermerge to the inagreesmergerwriting.
7.Protection of Lender's Rights in the Property;Mortgage insurance.if Borrower fails to perform thecovenantsandagreementscontainedinthisSecurityinstrument,there is legalor proceeding thata maysignificantlyaffectLender's rights in the Property (such proceeding in bankruptcy,as a probate,forcondemnationtoenforcelawsregulations),or then Lenderor do and for whatevermay ispay tonecessaryprotectthevalueofthePropertyandLender's rights in the Property.Lender's actions include payingmay anysecuredbylienwhichhasprioritysumsthisaSecurityinstrument,over appearing in court,paying reasonableattorneys~fees if and permitted by applicable law,as and entering the Property to makeon repairs.AlthoughLendertakeactionunderthismayparagraph7,Lender does not have to do so.Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower securedbythisSecurityInstrument.Unless Borrower and Lender to other terms ofagree payment,these amountsshallbearinterestfromthedateofdisbursementattheNoterateandshallbepayable,with interest,uponnoticefromLendertoBorrowerrequestingpayment.
lf Lender required mortgage insurance condition of making theasa loan secured by this Securityinstrument,Borrower shall the premiums required to maintainpay the insurance in effect until such time theasrequirementfortheinsuranceterminatesinaccordancewithBorrower's and Lender's written agreement orapplicablelaw.
8.Inspection.Lender its agent makeor reasonable entriesmay and inspections of theupon Property.Lender shall give Borrower notice at the time of prior to inspectionor specifyingan reasonable for thecauseinspection.
9.Condemnation.The proceeds of award claim for damages,directanyor consequential,in connectionorwithcondemnationothertakingofanypartoftheProperty,or forany in lieuor of condemnation,conveyanceherebyassignedandshallbepaidtoLender.are
WAB452(3-6-O5)First MortgagePreemption PageDeedofTrust 2 Of 5
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Description: King,WA Document - Year.Month.Day.DocID 1974.916.24 Page: 1 of 2
Order: 321 Comment:
Description: King,WA Document - Year.Month.Day.DocID 1974.916.25 Page: 1 of 2
Order: 321 Comment:
Description: King,WA Document - Year.Month.Day.DocID 1974.916.25 Page: 2 of 2
Order: 321 Comment:
Description: King,WA Document - Year.Month.Day.DocID 1974.916.24 Page: 2 of 2
Order: 321 Comment: