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1285 Westmont Ave. (03-76) Sanctity of Contract STEWART TITLE OF CALIFORNIA, INC., SANTA CLARA DIVISION 1087 Meridian Avenue # 20 San Jose, CA 95125 (408) 445-6700 www.stewartsc.com MEMBER CALIFORNIA LAND TITLE ASSOCIATION PRELIMINARY REPORT Accessbanc Mortgage 2165 S. Bascom Avenue, Suite A Campbell, CA 95008 Attn: Dan Youngers /Phone: (408)377-9909 Order Number: 24376378 Your Reference: Property Address: 1285 Westmont Avenue, Campbell, CA In response to the above referenced application for a Policy of Title Insurance, Stewart Title of California, Inc. hereby rcports that it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbrance not shown or referenced to as an Exception on Schedule B or not excluded from coverage pursuant to the printed Schedules, Conditions, and Stipulations of said Policy forms. The printed exceptions and exclusions from the coverage of said policy or policies are set forth in the attached list. Copies of the policy forms should be read. They are available from the office which issued this report. Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit A of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land. This report, (and any supplements or amendments thereto) is issued solely for the purpose of facilitating the issuance of a policy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance a binder or commitment should be requested. Dated as of June 17, 2003 at 7:30 A.M. Pam Turner, Title Officer When replying, please contact Mary Ellen Smith, Escrow Officer Stewart Title of California, Inc. Escrow Department 1087 Meridian A venue # 20, San Jose, CA 95125 (408) 445-6700 Fax: (408) 445-1087 www.stewartsc.com 24376378 PRELIMINARY REPORT The form of Policy of Title Insurance contemplated by this report 1S: American Land Title Association Loan Policy SCHEDULE A The estate or interest in the land hereinafter described or referred to covered by this report 1S: A Fee Title to said estate or interest at the date hereof is vested in: CHARLES R. CHAPMAN AND GLORIA M. CHAPMAN, HUSBAND AND WIFE, AS COMMUNITY PROPERTY Continued on next page -1- 24376378 LEGAL DESCRIPTION The land referred to herein is situated in the State of California, County of Santa Clara, City of Campbell, described as follows: Beginning at a point in the Northerly line of that certain Tract of land conveyed by Albert R. Smith et al to the Santa Clara Valley Water Conservation District, recorded in Book 633 of Official Records, Page 381, Santa Clara County Records, distant thereon South 83 05' West 190.78 feet from the Westerly line of the San Tomas Aquino Road; thence running along said Northerly line of the land conveyed by Smith to the Santa Clara Valley Water Conservation District, South 83 05' West 70.04 feet; thence parallel with said line of San Tomas Aquino Road, North 6 40' East 187.04 feet; thence North 89 44' East 68.54 feet; thence parallel with said line of the San Tomas Aquino Road, South 6 40' West 178.86 feet to the point of beginning, and being a part of the premises marked "Cook Tract" as shown upon that certain Map entitled, "Map of the Subdivision of the Lovell and which Map was filed for record in the Office of the Recorder of the County of Santa Clara, State of California, on September 24, 1896 in Book F-1 of Maps, Page 5. APN/ARB: 403-10-036 End of Legal Description Continued on next page -2- 24376378 SCHEDULE B At the date hereof, exceptions to coverage in addition to the printed exceptions and exclusions contained in said policy or policies would be as follows: A. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes, to be levied for the fiscal year 2003 - 2004 which are a lien not yet payable. B. The lien of supplemental taxes, if any, assessed pursuant to the provisions of Chapter 3.5 (commencing with Section 75) of the Revenue and Taxation Code of the State of California. 1. The apparent lack of record access to and from Westmont Avenue. 2. Deed of Trust to secure an indebtedness in the amount shown below, and any other obligations secured thereby: Amount $193,000.00 Dated March 6, 1997 Trustor Charles R. Chapman and Gloria M. Chapman, husband and wife California Reconveyance Company, a California corporation Great Western Bank, A Federal Savings Bank P.O. Box 92368 Los Angeles, Ca 90009-2368 March 13, 1997 as Instrument No. 13637374, Official Records 1-795857-2 Trustee Beneficiary: Address Recorded Loan No. 3. Deed of Trust to secure an indebtedness in the amount shown below, and any other obligations secured thereby: Amount $75,000.00 Dated April 14, 2000 Trustor Charles R. Chapman and Gloria M. Chapman, who are married to each other Equitable Deed Company Bank of America, N.A. P.O. Box 2314 Rancho Cordova, Ca 95741 May 3, 2000 as Instrument No. 15233857, Official Records 02500121089676998 Trustee Beneficiary: Address Recorded Loan No. The above deed of trust is reflected as an equity line loan or a revolving line of credit. Prior to final payoff we will require a written statement from the beneficiary that the account has Continued on next page -3- 24376378 been frozen and or a full reconveyance must be submitted for recording concurrent with payoff. 4. We will require a statement of information at least 72 hours prior to recording from the parties named below in order to complete this report, based on the effect of documents, proceedings, liens, decrees, or other matters which do not specifically describe said land, but which, if any do exist, may affect the title or impose liens or encumbrances thereon. Parties: Vestee herein END OF EXCEPTIONS Typist Initials: hmn Print date: July 02, 2003 Continued on next page -4- 24376378 NOTES General and Special City and/or County taxes, including any personal property taxes and any assessments collected with taxes, for the fiscal year 2002-2003 1st Installment: $1,682.90 PAID 2nd Installment: $1,682.90 PAID Land $264,541.00 Improvement $ 1,192.00 Exemption $0 Tract No. 10-049 Parcel No. 403-10-036 This report cannot be used as an expedited search/starter in a subsequent sale. Any conveyance of the herein described property will require payment of the $10.00 Survey Monument Preservation Fund Fee pursuant to Government Code Section 27584, Ordinance No. NS-300.273. There have been no conveyances of said land recorded within 24 months prior to the date of this report. None of the items shown in this report will cause the company to decline to attach CLTA Indorsement form 100 to the ALTA Loan Policy, when issued. There is located on said land: Single Family Dwelling known as: 1285 Westmont Avenue Campbell, Ca SHORT TERM RATE: yes COUNTY OF SANTA CLARA RECORDING FEES The Recording Fees for The County of Santa Clara as follows: $7.00 for the first page of a document, plus $7.00 for each additional title over one, plus $3.00 for each additional page (provided all pages of the document measure 8-1/2" x II" and comply with recording requirements), except for deeds of trust assignments of deeds of trust, reconveyance, requests for notice, requests for notice of delinquencies and notice of defaults. Deeds of Trust, Reconveyance, Requests for Notice of Delinquencies and Notices of Defaults are $9.00 for the first Continued on next page -5- 24376378 page of the document, plus $7.00 for each additional title over one, plus $3.00 for each additional page (provided all pages of the document measure 8-1/2" x II" and comply with recording requirements) . A Substitution of Trustee and Full Reconveyance, as combined document is $18.00 for the first page of the document, plus $3.00 for each additional page (provided all pages of the document measure 8-1/2" x II" and comply with recording requirements) . The recording fee for a Release of Tax Lien from the State of California, The County of Santa Clara, or a City is $11.00. The recording fee for Release of Tax Lien from the I.R.S. is $7.00. When recording a lien, judgment, or abstract of judgment add $3.00 per owner or debtor. There is a Survey Monument Preservation Fee of $10.00 charged on the recording of all deeds containing a description other than that of a condominium or a complete lot shown on a subdivided tract (this fee is not charged on easements) . Documents that are not 8-1/2 " x II" and that do not comply with recording requirements are subject to an additional fee of $3.00 for each page. TRANSFER TAX RATE: The Transfer Tax Rate for the County of Santa Clara is based on $1.10 per $1,000 (or 55 cents per $500) of total consideration given for the property, less liens and encumbrances remaining of record. In addition to the transfer tax charged by the County of Santa Clara, the Cities of Mountain View, San Jose and Palo Alto have a Transfer Tax Rate based on $3.30 per $1,000 (or $1.65 per $500) of total consideration given for the property, less liens and encumbrances remaining of record. STATE OF CALIFORNIA DOCUMENT REQUIREMENTS: Any instrument, paper, or notice submitted for recording should be on 8-1/2" x II" white paper, preferably 161b bound or heavier. They should be in block print, preferably minimum 10-point type on the first page and 8 point on subsequent pages. All printing or writing should be limited to one side of a page. Any document submitted for recording shall have at least 1/2" margin on each vertical side. In addition, the top 2-1/2" of the first page shall be reserved for recording information, with Continued on next page -6- 24376378 the left 3-1/2" used by the public to show the name of the person requesting recording and the name and address to which the document is to be returned following recording. The right-hand portion of the space is for use by the recorder only. Any document submitted must indicate the title or titles of the document(s) contained therein. Those title must appear on the first page directly below the space reserved for the recorder. All information required by the statute which provides for the creation of the document must be there. In addition, all recording requirements must be met. Any document which contains sheet or sheets which do not measure 8-1/211 x 1111 or that do not comply with recording requirements may be subject to recording penalty of $3.00 for every page of that document. PRELIMINARY CHANGE OF OWNERSHIP REPORT (PCOR): A Preliminary Change of Ownership Report must be completed by the transferee (buyer) prior to the transfer of property in accordance with the provisions of Section 480.3 of the Revenue and Taxation Code. The Preliminary Change of Ownership Report should be submitted to the recorder concurrent with the recordation of any document effecting a change of ownership. If a document evidencing a change of ownership (i.e. Deed, Affidavit-Death Joint Tenant) is presented to the recorder for recording with a preliminary change of ownership report, the recorder may charge an additional $20. Continued on next page -7- 24376378 CALIFORNIA "GOOD FUNDS" LAW California Insurance Code Section 12413.1 regulates the disbursement of escrow and sub-escrow funds by title companies. The law requires that funds be deposited in the title company escrow account and available prior to disbursement. Funds received by Stewart Title of California, Inc. (Stewart Title) via wire transfer may be disbursed upon receipt. Funds received via cashier's checks or teller checks drawn on a California Bank may be disbursed on the next business day after the day of deposit. If funds are received by any other means, recording and/or disbursement may be delayed, and you should contact your title or escrow officer. All escrow and sub-escrow funds received will be deposited with other escrow funds in one or more non-interest bearing escrow accounts in a financial institution selected by Stewart Title. Stewart Title may recieve certain direct or indirect benefits from the financial institution by reason of the deposit of such funds or the maintenance of such accounts with the financial institution, and Stewart Title shall have no obligation to account to the depositing party in any manner for the value of, or pay to such party, any benefit received by Stewart Title. Such benefits shall be deemed additional compensation to Stewart Title Title for its services in connection with the escrow or sub-escrow. -8- Stewart Title Guaranty Company, Stewart Title Insurance Company, Stewart Title of California, Inc. Privacy Policy Notice PURPOSE OF THIS NOTICE Title V of the Gramm-Leach-B1iley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing non public personal information about you with nonaffiliated third party unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of Stewart Title Guaranty Company, Stewart Title Insurance Company, Stewart Title of California, Inc. We may collect nonpublic personal information about you from the following sources: * Information we receive from you, such as on applications or other forms. * Information about your transactions we secure from our files, or from our affiliates or others. * Information we receive from a consumer reporting agency. * Information that we receive from others involved in your transaction, such as the real estate agent or lender. Unless it is specificalJy stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personal information will be colIected about you. We may disclose any of the above information that we colIect about our customers or former customers to our affiliates or to nonaffiliates third parties permitted by law. We also may disclose this information about our customers or former customers to the folIowing types of nonaffiliated companies that perform marketing services on our behalf or with whom we have joint marketing agreements: * Financial service providers such as companies engaged in banking, consumer finance, securities and insurance. * Non-financial companies such as envelope stuffers and fulfillment service providers. WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE THAT IS NOT SPECIFIC ALL Y PERMITTED BY LAW. We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. CLTA PRELIMINARY REPORT FORM EXHIBIT A CLTA PRELIMINARY REPORT FORM LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS SCHEDULE B 1. CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY - 1990 EXCLUSIONS FROM COVERAGE THE FOLLOWING MATTERS ARE EXPRESSLY EXCLUDED FROM THE COVERAGE OF THIS POLICY AND THE COMPANY WILL NOT PAY LOSS OR DAMAGE, COSTS, ATTORNEYS' FEES OR EXPENSES WHICH ARISE BY REASON OF: 1. (A) ANY LAW, ORDINANCE OR GOVERNMENTAL REGULATION (INCLUDING BUT NOT LIMITED TO BUILDING OR ZONING LAWS, ORDINANCES, OR REGULATIONS) RESTRICTING, REGULATING, PROHIBITING OR RELATING TO (I) THE OCCUPANCY, USE, OR ENJOYMENT OF THE LAND; (II) THE CHARACTER, DIMENSIONS OR LOCATION OF ANY IMPROVEMENT NOW OR HEREAFTER ERECTED ON THE LAND; (III) A SEPARATION IN OWNERSHIP OR A CHANGE IN THE DIMENSIONS OR AREA OF THE LAND OR ANY PARCEL OF WHICH THE LAND IS OR WAS A PART; OR (IV) ENVIRONMENTAL PROTECTION, OR THE EFFECT OF ANY VIOLATION OF THESE LAWS, ORDINANCES OR GOVERNMENTAL REGULATIONS, EXCEPT TO THE EXTENT THAT A NOTICE OF THE ENFORCEMENT THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OR POLICY. (B) ANY GOVERNMENTAL POLICE POWER NOT EXCLUDED BY (A) ABOVE, EXCEPT TO THE EXTEND THAT A NOTICE OF THE EXERCISE THEREOF OR NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. 2. RIGHTS OF EMINENT DOMAIN UNLESS NOTICE OF THE EXERCISE THEREOF HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT NOT EXCLUDING FROM COVERAGE ANY TAKING WHICH HAS OCCURRED PRIOR TO DATE OF POLICY WHICH WOULD BE BINDING ON THE RIGHTS OF A PURCHASER FOR VALUE WITHOUT KNOWLEDGE. 3. DEFECTS, LIENS, ENCUMBRANCES, ADVERSE CLAIMS OR OTHER MATTERS: (A) WHETHER OR NOT RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. BUT CREATED, SUFFERED, ASSUMED OR AGREED TO BY THE INSURED CLAIMANT; (B) NOT KNOWN TO THE COMPANY, NOT RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT KNOWN TO THE INSURED CLAIMANT AND NOT DISCLOSED IN WRITING TO THE COMPANY BY THE INSURED CLAIMANT PRIOR TO THE DATE THE INSURED CLAIMANT BECAME AN INSURED UNDER THIS POLICY; (C) RESULTING IN NO LOSS OR DAMAGE TO THE INSURED CLAIMANT; (D) ATTACHING OR CREATED SUBSEQUENT TO DATE OF POLICY; OR (E) RESULTING IN LOSS OR DAMAGE WHICH WOULD NOT HAVE BEEN SUSTAINED IF THE INSURED CLAIMANT HAD PAID VALUE FOR THE INSURED MORTGAGE OR FOR THE ESTATE OR INTEREST INSURED BY THIS POLICY. 4. UNENFORCEABLILITY OF THE LIEN OF THE INSURED MORTGAGE BECAUSE OF THE INABILITY OR FAILURE OF THE INSURED AT DATE OF POLICY, OR THE INABILITY OR FAILURE OF ANY SUBSEQUENT OWNER OR INDEBTEDNESS, TO COMPLY WITH THE APPLICABLE DOING BUSINESS LAWS, OF THE STATE IN WHICH THE LAND IS SITUATED. 5. INVALIDITY OR UNENFORCEABILITY OF THE LIEN OF THE INSURED MORTGAGE, OR CLAIM THEREOF, WHICH ARISES OUT OF THE TRANSACTION EVIDENCED BY THE INSURED MORTGAGE AND IS BASED UPON USURY OR ANY CONSUMER CREDIT PROTECTION OR TRUTH IN LENDING LAW. 6. ANY CLAIM, WHICH ARISES OUT OF THE TRANSACTION VESTING IN THE INSURED THE ESTATE OR INTEREST INSURED BY THIS POLICY OR THE TRANSACTION CREATING THE INTEREST OF THE INSURED LENDER, BY REASON OF THE OPERATION OF FEDERAL BANKRUPTCY, STATE INSOLVENCY OR SIMILAR CREDITORS' RIGHTS LAWS. EXCEPTIONS FROM COVERAGE THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE (AND THE COMPANY WILL NOT PAY COSTS, ATTORNEYS' FEES OR EXPENSES) WHICH ARISE BY REASON OF: 1. TAXES OR ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE RECORDS OF ANY TAXING AUTHORITY THAT LEVIES TAXES OR ASSESSMENTS ON REAL PROPERTY OR BY THE PUBLIC RECORDS. PROCEEDINGS BY A PUBLIC AGENCY WHICH MAY RESULT IN TAXES OR ASSESSMENTS, OR NOTICES OF SUCH PROCEEDINGS, WHETHER OR NOT SHOWN BY THE RECORDS OF SUCH AGENCY OR BY THE PUBLIC RECORDS. 2. ANY FACTS, RIGHTS, INTERESTS OR CLAIMS WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS BUT WHICH COULD BE ASCERTAINED BY AN INSPECTION OF THE LAND OR WHICH MAY BE ASSERTED BY PERSONS IN POSSESSION THEREOF. 3. EASEMENTS, LIENS OR ENCUMBRANCES, OR CLAIMS THEREOF, WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 4. DISCREPANCIES, CONFLICTS IN BOUNDARY LINES, SHORTAGE IN AREA, ENCROACHMENTS, OR ANY OTHER FACTS WHICH A CORRECT SURVEY WOULD DISCLOSE, AND WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 5. (A) UNPATENTED MINING CLAIMS; (B) RESERVATIONS OR EXCEPTIONS IN PATENTS OR IN ACTS AUTHORIZING THE ISSUANCE THEREOF; (C) WATER RIGHTS, CLAIMS OR TITLE TO WATER, WHETHER OR NOT THE MATTERS EXCEPTED UNDER (A), (B) OR (C) ARE SHOWN BY THE PUBLIC RECORDS. (LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS CONTINUED ON NEXT PAGE) REV. 1999 PAGE 1 OF STEWART TITLE GUARANTY COMPANY CLTA PRELIMINARY REPORT FORM 2. AMERICAN LAND TITLE ASSOCIATION RESIDENTIAL TITLE INSURANCE POLICY (6-1-87) EXCLUSIONS IN ADDITION TO THE EXCEPTIONS IN SCHEDULE B, YOU ARE NOT INSURED AGAINST LOSS, COSTS, ATTORNEYS' FEES, AND EXPENSES RESULTING FROM, 1. GOVERNMENTAL POLICE POWER, AND THE EXISTENCE OR VIOLATION OF ANY LAW OR GOVERNMENTAL REGULATION. THIS INCLUDES BUILDING AND ZONING ORDINANCES AND ALSO LAWS AND REGULATIONS CONCERNING: LAND USE IMPROVEMENTS ON THE LAND LAND DIVISION ENVIRONMENTAL PROTECTION THIS EXCLUSION DOES NOT APPLY TO VIOLATIONS OR THE ENFORCEMENT OF THESE MATTERS WHICH APPEAR IN THE PUBLIC RECORDS AT POLICY DATE. THIS EXCLUSION DOES NOT LIMIT THE ZONING COVERAGE DESCRIBED IN ITEMS 12 AND 13 OF COVERED TITLE RISKS. 2. THE RIGHT TO TAKE THE LAND BY CONDEMNING IT, UNLESS, A NOTICE OF EXERCISING THE RIGHT APPEARS IN THE PUBLIC RECORDS ON THE POLICY DATE THE TAKING HAPPENED PRIOR TO THE POLICY DATE AND IS BINDING ON YOU IF YOU BOUGHT THE LAND WITHOUT KNOWING OF THE TAKING 3. TITLE RISKS: THAT ARE CREATED, ALLOWED, OR AGREED TO BY YOU THAT ARE KNOWN TO YOU, BUT NOT TO US, ON THE POLICY DATE - - UNLESS THEY APPEARED IN THE PUBLIC RECORDS THAT RESULT IN NO LOSS TO YOU THAT FIRST AFFECT YOUR TITLE AFTER THE POLICY DATE - - THIS DOES NOT LIMIT THE LABOR AND MATERIAL LIEN COVERAGE IN ITEM 8 OF COVERED TITLE RISKS 4. FAILURE TO PAY VALUE FOR YOUR TITLE. 5. LACK OF A RIGHT: TO ANY LAND OUTSIDE THE AREA SPECIFICALLY DESCRIBED AND REFERRED TO IN ITEM 3 OF SCHEDULE A OR IN STREETS, ALLEYS, OR WATERWAYS THAT TOUCH YOUR LAND THIS EXCLUSION DOES NOT LIMIT THE ACCESS COVERAGE IN ITEM 5 OF COVERED TITLE RISKS. EXCEPTIONS FROM COVERAGE THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE (AND THE COMPANY WILL NOT PAY COSTS, ATTORNEYS' FEES OR EXPENSES) WHICH ARISE BY REASON OF: 1. ANY RIGHTS, INTERESTS, OR CLAIMS OF PARTIES IN POSSESSION OF THE LAND NOT SHOWN BY THE PUBLIC RECORDS. 2. ANY EASEMENTS OR LIENS NOT SHOWN BY THE PUBLIC RECORDS. THIS DOES NOT LIMIT THE LIEN COVERAGE IN ITEM 8 OF COVERED TITLE RISKS. 3. ANY FACTS ABOUT THE LAND WHICH A CORRECT SURVEY WOULD DISCLOSE AND WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. THIS DOES NOT LIMIT THE FORCED REMOVAL COVERAGE IN ITEM 12 OF COVERED TITLE RISKS. 4. ANY WATER RIGHTS OR CLAIMS OR TITLE TO WATER IN OR UNDER THE LAND, WHETHER OR NOT SHOWN BY THE PUBLIC RECORDS. (LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS CONTINUED ON NEXT PAGE) REV. 1999 PAGE 2 OF 6 STEWART TITLE GUARANTY COMPANY CLTA PRELIMINARY REPL-.,-r FORM 3. AMERICAN LAND TITLE ASSOCIATION LOAN WITH ALTA ENDORSEMENT - FORM 1 AND AMERICAN LAND TITLE ASSOCIATION LEASEHOLD LOAN POLICY WITH ALTA ENDORSEMENT - FORM 1 COVERAGE EXCLUSIONS AND COVERAGE POLICY (10-17-92) COVERAGE (10-17-92) THE FOLLOWING MATTERS ARE EXPRESSLY EXCLUDED FROM THE COVERAGE OF THIS POLICY AND THE COMPANY WILL NOT PAY LOSS OR DAMAGE, COSTS, ATTORNEY'S FEES OR EXPENSES WHICH ARISE BY REASON OF: 1. (A) ANY LAW, ORDINANCE OR GOVERNMENTAL REGULATION (INCLUDING BUT NOT LIMITED TO BUILDING AND ZONING LAWS, ORDINANCES, OR REGULATIONS) RESTRICTING, REGULATING, PROHIBITING OR RELATING TO (I) THE OCCUPANCY, USE, OR ENJOYMENT OF THE LAND; (II) THE CHARACTER, DIMENSIONS OR LOCATION OF ANY IMPROVEMENT NOW OR HEREAFTER ERECTED ON THE LAND; (III) A SEPARATION IN OWNERSHIP OR A CHANGE IN THE DIMENSIONS OR AREA OF THE LAND OR ANY PARCEL OF WHICH THE LAND IS OR WAS A PART; OR (IV) ENVIRONMENTAL PROTECTION, OR THE EFFECT OF ANY VIOLATION OF THESE LAWS, ORDINANCES OR GOVERNMENTAL REGULATIONS, EXCEPT TO THE EXTENT THAT A NOTICE OF THE ENFORCEMENT THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. (B) ANY GOVERNMENTAL POLICE POWER NOT EXCLUDED BY (A) ABOVE, EXCEPT TO THE EXTENT THAT A NOTICE OF THE EXERCISE THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. 2. RIGHTS OF EMINENT DOMAIN UNLESS NOTICE OF THE EXERCISE THEREOF HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT NOT EXCLUDING FROM COVERAGE ANY TAKING WHICH HAS OCCURRED PRIOR TO DATE OF POLICY WHICH WOULD BE BINDING ON THE RIGHTS OF A PURCHASER FOR VALUE WITHOUT KNOWLEDGE. 3. DEFECTS, LIENS, ENCUMBRANCES, ADVERSE CLAIMS OR OTHER MATTERS: (A) CREATED, SUFFERED, ASSUMED OR AGREED TO BY THE INSURED CLAIMANT; (B) NOT KNOWN TO THE COMPANY, NOT RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT KNOWN TO THE INSURED CLAIMANT AND NOT DISCLOSED IN WRITING TO THE COMPANY BY THE INSURED CLAIMANT PRIOR TO THE DATE THE INSURED CLAIMANT BECAME AN INSURED UNDER THIS POLICY; (C) RESULTING IN NO LOSS OR DAMAGE TO THE INSURED CLAIMANT; (D) ATTACHING OR CREATED SUBSEQUENT TO DATE OF POLICY (EXCEPT TO THE EXTENT THAT THIS POLICY INSURES THE PRIORITY OF THE LIEN OF THE INSURED MORTGAGE OVER ANY STATUTORY LIEN FOR SERVICES, LABOR OR MATERIAL OR TO THE EXTENT INSURANCE IS AFFORDED HEREIN AS TO THE ASSESSMENTS FOR STREET IMPROVEMENTS UNDER CONSTRUCTION OR COMPLETED AT DATE OF POLICY); OR (E) RESULTING IN LOSS OR DAMAGE WHICH WOULD NOT HAVE BEEN SUSTAINED IF THE INSURED CLAIMANT HAD PAID VALUE FOR THE INSURED MORTGAGE. 4. UNENFORCEABILITY OF THE LIEN OF THE INSURED MORTGAGE BECAUSE OF THE INABILITY OR FAILURE OF THE INSURED AT DATE OF POLICY. OR THE INABILITY OR FAILURE OF ANY SUBSEQUENT OWNER OF THE INDEBTEDNESS, TO COMPLY WITH APPLICABLE DOING BUSINESS LAWS OF THE STATE IN WHICH THE LAND IS SITUATED. 5. INVALIDITY OR UNENFORCEABILITY OF THE LIEN OF THE INSURED MORTGAGE, OR CLAIM THEREOF, WHICH ARISES OUT OF THE TRANSACTION EVIDENCED BY THE INSURED MORTGAGE AND IS BASED UPON USURY OR ANY CONSUMER CREDIT PROTECTION OR TRUTH IN LENDING LAW. 6. ANY STATUTORY LIEN FOR SERVICES, LABOR OR MATERIALS (OR THE CLAIM OF PRIORITY OF ANY STATUTORY LIEN FOR SERVICES, LABOR OR MATERIALS OVER THE LIEN OF THE INSURED MORTGAGE) ARISING FROM AN IMPROVEMENT OR WORK RELATED TO THE LAND WHICH IS CONTRACTED FOR AND COMMENCED SUBSEQUENT TO DATE OF POLICY AND IS NOT FINANCED IN WHOLE OR IN PART BY PROCEEDS OF THE INDEBTEDNESS SECURED BY THE INSURED MORTGAGE WHICH AT DATE OF POLICY THE INSURED HAS ADVANCED OR IS OBLIGATED TO ADVANCE. 7. ANY CLAIM, WHICH ARISES OUT OF THE TRANSACTION CREATING THE INTEREST OF THE MORTGAGEE INSURED BY THIS POLICY, BY REASON OF THE OPERATION OF FEDERAL BANKRUPTCY, STATE INSOLVENCY, OR SIMILAR CREDITORS' RIGHTS LAWS, THAT IS BASED ON: (I) THE TRANSACTION CREATING THE INTEREST OF THE INSURED MORTGAGEE BEING DEEMED A FRAUDULENT CONVEYANCE OR FRAUDULENT TRANSFER; OR (II) THE SUBORDINATION OF THE INTEREST OF THE INSURED MORTGAGEE AS A RESULT OF THE APPLICATION OF THE DOCTRINE OR EQUITABLE SUBORDINATION; OR (III) THE TRANSACTION CREATING THE INTEREST OF THE INSURED MORTGAGEE BEING DEEMED A PREFERENTIAL TRANSFER EXCEPT WHERE THE PREFERENTIAL TRANSFER RESULTS FROM THE FAILURE: (A) TO TIMELY RECORDED THE INSTRUMENT OF TRANSFER; OR (B) OF SUCH RECORDATION TO IMPART NOTICE TO A PURCHASER FOR VALUE OR A JUDGMENT OR LIEN CREDITOR. (LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS CONTINUED ON NEXT PAGE) REV. 1999 PAGE 3 OF 6 STEWART TITLE GUARANTY COMPANY CLTA PRELIMINARY REPL , ~ FORM THE ABOVE POLICY FORMS MAY BE ISSUED TO AFFORD EITHER STANDARD COVERAGE OR EXTENDED COVERAGE. IN ADDITION TO THE ABOVE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE IN A STANDARD COVERAGE POLICY WILL INCLUDE THE FOLLOWING GENERAL EXCEPTIONS: EXCEPTIONS FROM COVERAGE THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE (AND THE COMPANY WILL NOT PAY COSTS, ATTORNEYS' FEES OR EXPENSES) WHICH ARISE BY REASON OF: 1. TAXES OR ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE RECORDS OF ANY TAXING AUTHORITY THAT LEVIES TAXES OR ASSESSMENTS ON REAL PROPERTY OR BY THE PUBLIC RECORDS. PROCEEDINGS BY A PUBLIC AGENCY WHICH MAY RESULT IN TAXES OR ASSESSMENTS, OR NOTICES OF SUCH PROCEEDINGS, WHETHER OR NOT SHOWN BY THE RECORDS OF SUCH AGENCY OR BY THE PUBLIC RECORDS. 2. ANY FACTS, RIGHTS, INTERESTS OR CALIMS WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS BUT WHICH COULD BE ASCERTAINED BY AN INSPECTION OF THE LAND OR BY MAKING INQUIRY OF PERSONS IN POSSESSION THEREOF. 3. EASEMENTS, LIENS OR ENCUMMBRANCES, OR CLAIMS THEREOF, WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 4. DISCREPANCIES, CONFLICTS IN BOUNDARY LINES, SHORTAGE IN AREA, ENCROACHMENTS, OR ANY OTHER FACTS WHICH A CORRECT SURVEY WOULD DISCLOSE, AND WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 5. (A) UNPATENTED MINING CLAIMS; (B) RESERVATIONS OR EXCEPTIONS IN PATENTS OR IN ACTS AUTHORIZING THE ISSUANCE THEREOF; (C) WATER RIGHTS, CLAIMS OR TITLE TO WATER, WHETHER OR NOT THE MATTERS EXCEPTED UNDER (A), (B) OR (C) ARE SHOWN BY THE PUBLIC RECORDS. 4. AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY (lO-17-92) ~D AMERICAN LAND TITLE ASSOCIATION LEASEHOLD OWNER'S POLICY (lO-17-92) EXCLUSIONS FROM COVERAGE THE FOLLOWING MATTERS ARE EXPRESSLY EXCLUDED FROM THE COVERAGE OF THIS POLICY AND THE COMPANY WILL NOT PAY LOSS OR DAMAGE, COST, ATTORNEYS' FEES OR EXPENSES WHICH ARISE BY REASON OF: 1. (A) ANY LAW, ORDINANCE OR GOVERNMENTAL REGULATION (INCLUDING BUT NOT LIMITED TO BUILDING AND ZONING LAWS, ORDINANCES, OR REGULATIONS) RESTRICTING, REGULATING, PROHIBITING OR RELATING TO (I) THE OCCUPANCY, USE, OR ENJOYMENT OF THE LAND; (II) THE CHARACTER, DIMENSIONS OR LOCATION OF ANY IMPROVEMENT NOW OR HEREAFTER ERECTED ON THE LAND; (III) A SEPARATION IN OWNERSHIP OR A CHANGE IN THE DIMENSIONS OR AREA OF THE LAND OR ANY PARCEL OF WHICH THE LAND IS OR WAS A PART; OR (IV) ENVIRONMENTAL PROTECTION, OR THE EFFECT OF ANY VIOLATION OF THESE LAWS, ORDINANCES OR GOVERNMENTAL REGULATIONS, EXCEPT TO THE EXTENT THAT A NOTICE OF THE ENFORCEMENT THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. (B) ANY GOVERNMENTAL POLICE POWER NOT EXCLUDED BY (A) ABOVE, EXCEPT TO THE EXTENT THAT A NOTICE OF THE EXERCISE THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. 2. RIGHTS OF EMINENT DOMAIN UNLESS NOTICE OF THE EXERCISE THEREOF HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT NOT EXCLUDING FROM COVERAGE ANY TAKING WHICH HAS OCCURRED PRIOR TO DATE OF POLICY WHICH WOULD BE BINDING ON THE RIGHTS OF A PURCHASER FOR VALUE WITHOUT KNOWLEDGE. 3. DEFECTS, LIENS, ENCUMBRANCES, ADVERSE CLAIMS OR OTHER MATTERS: (A) CREATED, SUFFERED, ASSUMED OR AGREED TO BY THE INSURED CLAIMANT; (B) NOT KNOWN TO THE COMPANY, NOT RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT KNOWN TO THE INSURED CLAIMANT AND NOT DISCLOSED IN WRITING TO THE COMPANY BY THE INSURED CLAIMANT PRIOR TO THE DATE THE INSURED CLAIMANT BECAME AN INSURED UNDER THIS POLICY; (C) RESULTING IN NO LOSS OR DAMAGE TO THE INSURED CLAIMANT; (D) ATTACHING OR CREATED SUBSEQUENT TO DATE OF POLICY; OR (E) RESULTING IN LOSS OR DAMAGE WHICH WOULD NOT HAVE BEEN SUSTAINED IF THE INSURED CLAIMANT HAD PAID VALUE FOR THE ESTATE OR INTEREST INSURED BY THIS POLICY. 4. ANY CLAIM, WHICH ARISES OUT OF THE TRANSACTION VESTING IN THE INSURED THE ESTATE OR INTEREST INSURED BY THIS POLICY, BY REASON OF THE OPERATION OF FEDERAL BANKRUPTCY, STATE INSOLVENCY, OR SIMILAR CREDITORS' RIGHTS LAWS, THAT IS BASED ON: (I) THE TRANSACTION CREATING THE ESTATE OR INTEREST INSURED BY THIS POLICY BEING DEEMED A FRAUDULENT CONVEYANCE OR FRAUDULENT TRANSFER; OR (II) THE TRANSACTION CREATING THE ESTATE OR INTEREST INSURED BY THIS POLICY BEING DEEMED A PREFERENTIAL TRANSFER EXCEPT WHERE THE PREFERENTIAL TRANSFER RESULTS FROM THE FAILURE: (A) TO TIMELY RECORD THE INSTRUMENT OF TRANSFER; OR (B) OF SUCH RECORDATION TO IMPART NOTICE TO A PURCHASER FOR VALUE OR A JUDGMENT OR LIEN CREDITOR. (LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS CONTINUED ON NEXT PAGE) REV. 1999 PAGE 4 OF 6 STEWART TITLE GUARANTY COMPANY CLTA PRELIMINARY REP, r FORM THE ABOVE POLICY FORMS MAY BE ISSUED TO AFFORD EITHER STANDARD COVERAGE OR EXTENDED COVERAGE. IN ADDITION TO THE ABOVE EXCLUSIONS FROM COVERAGE, THE EXCEPTIONS FROM COVERAGE IN A STANDARD COVERAGE POLICY WILL INCLUDE THE FOLLOWING GENERAL EXCEPTIONS, EXCEPTIONS FROM COVERAGE THIS POLICY DOES NOT INSURE AGAINST LOSS OR DAMAGE (AND THE COMPANY WILL NOT PAY COSTS, ATTORNEYS' FEES OR EXPENSES) WHICH ARISE BY REASON OF, 1. TAXES OR ASSESSMENTS WHICH ARE NOT SHOWN AS EXISTING LIENS BY THE RECORDS OF ANY TAXING AUTHORITY THAT LEVIES TAXES OR ASSESSMENTS ON REAL PROPERTY OR BY THE PUBLIC RECORDS. PROCEEDINGS BY A PUBLIC AGENCY WHICH MAY RESULT IN TAXES OR ASSESSMENTS, OR NOTICES OF SUCH PROCEEDINGS, WHETHER OR NOT SHOWN BY THE RECORDS OF SUCH AGENCY OR BY THE PUBLIC RECORDS. 2. ANY FACTS, RIGHTS, INTERESTS OR CLAIMS WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS BUT WHICH COULD BE ASCERTAINED BY AN INSPECTION OF THE LAND OR BY MAKING INQUIRY OF PERSONS IN POSSESSION THEREOF. 3. EASEMENTS, LIENS OR ENCUMBRANCES, OR CLAIMS THEREOF, WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 4. DISCREPANCIES, CONFLIICTS IN BOUNDARY LINES, SHORTAGE IN AREA, ENCROACHMENTS, OR ANY OTHER FACTS WHICH A CORRECT SURVEY WOULD DISCLOSE, AND WHICH ARE NOT SHOWN BY THE PUBLIC RECORDS. 5. (A) UNPATENTED MINING CLAIMS; (B) RESERVATIONS OR EXCEPTIONS IN PATENTS OR IN ACTS AUTHORIZING THE ISSUANCE THEREOF; (CI WATER RIGHTS, CLAIMS OR TITLE TO WATER, WHETHER OR NOT THE MATTERS EXCEPTED UNDER (A), (B) OR (C) ARE SHOWN BY THE PUBLIC RECORDS. 5. CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (6-2-98) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (10-17-98) EXCLUSIONS IN ADDITION TO THE EXCEPTIONS IN SCHEDULE B, YOU ARE NOT INSURED AGAINST LOSS, COSTS, ATTORNEYS' FEES, AND EXPENSES RESULTING FROM: 1. GOVERNMENTAL POLICE POWER, AND THE EXISTENCE OR VIOLATION OF ANY LAW OR GOVERNMENT REGULATION. THIS INCLUDES ORDINANCES, LAWS AND REGULATIONS CONCERNING, A. BUILDING B. ZONING C. LAND USE D. IMPROVEMENTS ON LAND E. LAND DIVISION F. ENVIRONMENTAL PROTECTION THIS EXCLUSION DOES NOT APPLY TO VIOLATIONS OR THE ENFORCEMENT OF THESE MATTERS IF NOTICE OF THE VIOLATION OR ENFORCEMENT APPEARS IN THE PUBLIC RECORDS AT THE POLICY DATE. THIS EXCLUSION DOES NOT LIMIT THE COVERAGE DESCRIBED IN COVERED RISK 14, 15, 16, 17, OR 24. 2. THE FAILURE OF YOUR EXISTING STRUCTURES, OR ANY PART OF THEM, TO BE CONSTRUCTED IN ACCORDANCE WITH APPLICABLE BUILDING CODES. THIS EXCLUSION DOES NOT APPLY TO VIOLATIONS OF BUILDING CODES IF NOTICE OF THE VIOLATION APPEARS IN THE PUBLIC RECORDS AT THE POLICY DATE. 3. THE RIGHT TO TAKE THE LAND BY CONDEMNING IT, UNLESS, A. NOTICE OF EXERCISING THE RIGHT APPEARS IN THE PUBLIC RECORDS AT THE POLICY DATE; OR B. THE TAKING HAPPENED BEFORE THE POLICY DATE AND IS BINDING ON YOU IF YOU BOUGHT THE LAND WITHOUT KNOWING OF THE TAKING. 4. RISKS: A. THAT ARE CREATED, ALLOWED, OR AGREED TO BY YOU, WHETHER OR NOT THEY APPEAR IN THE PUBLIC RECORDS; B. THAT ARE KNOWN TO YOU AT THE POLICY DATE, BUT NOT TO US, UNLESS THEY APPEAR IN THE PUBLIC RECORDS AT THE POLICY DATE; C. THAT RESULT IN NO LOSS TO YOU; OR D. THAT FIRST OCCUR AFTER THE POLICY DATE - THIS DOES NOT LIMIT THE COVERAGE DESCRIBED IN COVERED RISK 7, 8.0, 22, 23, 24 OR 25. 5. FAILURE TO PAY VALUE FOR YOUR TITLE. 6. LACK OF A RIGHT, A. TO ANY LAND OUTSIDE THE AREA SPECIFICALLY DESCRIBED AND REFERRED TO IN PARAGRAPH 3 OF SCHEDULE A; AND B. IN STREETS, ALLEYS, OR WATERWAYS THAT TOUCH THE LAND. THIS EXCLUSION DOES NOT LIMIT THE COVERAGE DESCRIBED IN COVERED RISK 11 OR 18. REV. 1999 PAGE 5 OF 6 STEWART TITLE GUARANTY COMPANY "GOLD" COMPREHENSIVE PROTECT I LOAN POLICY OF TITLE INSURANCE EXCLUSIONS FROM COVERAGE THE FOLLOWING MATTERS ARE EXPRESSLY EXCLUDED FROM THE COVERAGE OF THIS POLICY AND THE COMPANY WILL NOT PAY LOSS OR DAMAGE, COST, ATTORNEYS' FEES OR EXPENSES WHICH ARISE BY REASON OF: 1. (A) ANY LAW, ORDINANCE OR GOVERNMENTAL REGULATION (INCLUDING BUT NOT LIMITED TO BUILDING AND ZONING LAWS, ORDINANCES, OR REGULATIONS) RESTRICTING, REGULATING, PROHIBITING OR RELATING TO (I) THE OCCUPANCY, USE, OR ENJOYMENT OF THE LAND; (II) THE CHARACTER, DIMENSIONS OR LOCATION OF ANY IMPROVEMENT NOW OR HEREAFTER ERECTED ON THE LAND; (III) A SEPARATION IN OWNERSHIP OR A CHANGE IN THE DIMENSIONS OR AREA OF THE LAND OR ANY PARCEL OF WHICH THE LAND IS OR WAS A PART; OR (IV) ENVIRONMENTAL PROTECTION, OR THE EFFECT OF ANY VIOLATION OF THESE LAWS, ORDINANCES OR GOVERNMENTAL REGULATIONS. EXCEPT TO THE EXTENT THAT A NOTICE OF THE ENFORCEMENT THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. THIS EXCLUSION FROM COVERAGE I(A) DOES NOT LIMIT THE COVERAGE PROVIDED IN INSURING PROVISIONS NUMBER 14, IS, 16, 17, 34, AND 41. (B) ANY GOVERNMENTAL POLICE POWER NOT EXCLUDED BY (A) ABOVE, EXCEPT TO THE EXTENT THAT A NOTICE OF THE EXERCISE THEREOF OR A NOTICE OF A DEFECT, LIEN OR ENCUMBRANCE RESULTING FROM A VIOLATION OR ALLEGED VIOLATION AFFECTING THE LAND HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY. THIS EXCLUSION FROM COVERAGE I(A) DOES NOT LIMIT THE COVERAGE PROVIDED IN INSURING PROVISIONS NUMBER 14, IS, 16, 17, 34, AND 41. 2. RIGHTS OF EMINENT DOMAIN UNLESS NOTICE OF THE EXERCISE THEREOF HAS BEEN RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT NOT EXCLUDING FROM COVERAGE ANY TAKING WHICH HAS OCCURRED PRIOR TO DATE OF POLICY WHICH WOULD BE BINDING ON THE RIGHTS OF A PURCHASER FOR VALUE WITHOUT KNOWLEDGE. 3. DEFECTS, LIENS, ENCUMBRANCES, ADVERSE CLAIMS OR OTHER MATTERS: (A) CREATED, SUFFERED, ASSUMED OR AGREED TO BY THE INSURED CLAIMANT; (B) NOT KNOWN TO THE COMPANY, NOT RECORDED IN THE PUBLIC RECORDS AT DATE OF POLICY, BUT KNOWN TO THE INSURED CLAIMANT AND NOT DISCLOSED IN WRITING TO THE COMPANY BY THE INSURED CLAIMANT PRIOR TO THE DATE THE INSURED CLAIMANT BECAME AN INSURED UNDER THIS POLICY; (C) RESULTING IN NO LOSS OR DAMAGE TO THE INSURED CLAIMANT; (D) ATTACHING OR CREATED SUBSEQUENT TO DATE OF POLICY (THIS EXCLUSION FROM COVERAGE 3 (D) DOES NOT LIMIT THE COVERAGE PROVIDED IN INSURING PROVISIONS NUMBER 7, 8, 15, 16, 18, 21, 22, 24, 25, 26, 28, 29, 30, 32, 33, 34, 35, 38, 39, AND 40); (E) RESULTING IN LOSS OR DAMAGE WHICH WOULD NOT HAVE BEEN SUSTAINED IF THE INSURED CLAIMANT HAD PAID VALUE FOR THE INSURED MORTGAGE. 4. UNENFORCEABILITY OF THE LIEN OF THE INSURED MORTGAGE BECAUSE OF THE INABILITY OR FAILURE OF THE INSURED AT DATE OF POLICY, OR THE INABILITY OR FAILURE OF ANY SUBSEQUENT OWNER OF THE INDEBTEDNESS, TO COMPLY WITH APPLICABLE DOING BUSINESS LAWS OF THE STATE IN WHICH THE LAND IS SITUATED. 5. INVALIDITY OR UNENFORCEABILITY OF THE LIEN OF THE INSURED MORTGAGE, OR CLAIM THEREOF, WHICH ARISES OUT OF THE TRANSACTION EVIDENCED BY THE INSURED MORTGAGE AND IS BASED UPON ANY CONSUMER CREDIT PROTECTION OR TRUTH-IN-LENDING LAW. 6. ANY CLAIM, WHICH ARISES OUT OF THE TRANSACTION CREATING THE INTEREST OF THE MORTGAGEE INSURED BY THIS POLICY, BY REASON OF THE OPERATION OF FEDERAL BANKRUPTCY, STATE INSOLVENCY, OR SIMILAR CREDITORS' RIGHTS LAWS, THAT IS BASED ON: (A) THE TRANSACTION CREATING THE ESTATE OF THE INSURED MORTGAGEE BEING DEEMED A FRAUDULENT CONVEYANCE OR FRAUDULENT TRANSFER; OR (B) THE SUBORDINATION OF THE INTEREST OF THE INSURED MORTGAGEE AS A RESULT OF THE APPLICATION OF THE DOCTRINE OF EQUITABLE SUBORDINATION; OR (C) THE TRANSACTION CREATING THE INTEREST OF THE INSURED MORTGAGEE BEING DEEMED A PREFERENTIAL TRANSFER EXCEPT WHERE THE PREFERENTIAL TRANSFER RESULTS FROM THE FAILURE; (I) TO TIMELY RECORD THE INSTRUMENT OF TRANSFER; OR (II) OF SUCH RECORDATION TO IMPART NOTICE TO A PURCHASER FOR VALUE OR A JUDGMENT OR LIEN CREDITOR. 7. TAXES, ASSESSMENTS, COSTS, CHARGES, DAMAGES AND OTHER OBLIGATIONS TO THE GOVERNMENT SECURED BY STATUTORY LIENS THAT BECOME A LIEN ON THE LAND SUBSEQUENT TO DATE OF POLICY, BUT THIS EXCLUSION 7 DOES NOT LIMIT THE COVERAGE OF INSURING PROVISION 34. REV. 1999 PAGE 6 OF STEWART TITLE GUARANTY COMPANY (J)o&ic;;~ag ;;jg(J)aJOC(J) :2:CCplo::u-o ~::U~--Ir, -mmI)>~ ~Z(J)<mz-l -IGlz[g::uoc;; =i~o-l-o:2:" , 'O~=iO m::U:;;:rnOI::U Gl~~mm::u-< C(J)'o'mo ~O=io(J)"C ~z-<::u. m;:u zO";:U:2:~!: -I"Om::!=zo -<;:u::Uo,o_ Om~_-1mmZ O,Z-l-l-l' ~:;;:-<I::!=OO -oz,m(J)cno ~OOO-o-l~ zmcnO,::u_ -<-I(J)~~mz . I -o-lmGl m ~ -I ::u Z m -< o z -fr- -;- HARRIEl -I \ I II Bf.87 I ":: ":O~ ":~ ,'5 :u \ 9, 01 I _I z : ~ ~ 2 I~ 01 I~ 1O'j ~ 81 r:~ Ie IrTI" 0 .jl, I II> Iii ~ ,(J) 65&2' '" 'I:; I\l I~ I --=-m.t2---,-l.----Tho;,;o--~or' o ,O! ~ ~ ll:i '" I?J 0> I~ HAI1I1'Er if 'Z'~!!l 'ei I! i -j " '08.78 1- ___ _ ':: =:::l. w '" 0 '" ;., I~ .. 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"~;"/!I I r~J~ 6@Ot;l'l...."~k040~ '" ~-- Ol~ \'",,#' I ~ ;;; lOdi" /7.t1d ;;;CJl P-o : ~ I~ CD~.: ;: \0 l>' :: J.t'2"~ ~ -~~,~;;j ~ I ~ ; I~ :f l I ~. 2 0 [. ; 6":"5 - . ~--..... ~ '- ''::g - ". 7.. f{li . SANa. !~MA.S hi~ (M' :O!ii~)> mi:: ltif!" c:: l;<>l~ en "'!f c::> 'i-~ :: ~~I~ e ~~i ~ a; II __ . ~ o q t;8 So 6'~ ~: fi~ . ~: ,;'I llg .. :0- ~ '~ l:l 'I:: .l/J ~":" ~ -. ~ ., . ~ ; t ~ Y)' 30' "'-- e ~ Ul :. z -i > o r- > '" > o o c: z ... -< o > r- ." o ;;0 :z :. ~1Il 00 U~ ~ ------------------------------------------------------------------------ Lot name: 2 North: 5053.5279 Line Course: S 83-05-00 W North: 5045.0933 Line Course: N 06-40-00 E North: 5060.4190 Line Course: N 83-05-00 E North: 5068.8536 Line Course: S 06-40-00 W North: 5053.5279 Perimeter: 170.94 East: 3356.2532 Length: 70.04 East: 3286.7230 Length: 15.43 East: 3288.5143 Length: 70.04 East: 3358.0446 Length: 15.43 East: 3356.2532 Area: 1,051 sq. ft. 0.02 acres Mapcheck Closure - (Uses Error Closure: 0.0000 Error North: 0.00000 precision 1: 170,940,000.00 listed courses, radii, and deltas) Course: S 90-00-00 E East: 0.00000 o~ . CAI11 . /->0:> f: to" - r"" U r CAMPBELL ~ "- 1- '- <' ,-,' ORCH^"'" ,- !.--. '. U CITY OF CAMPBELL Public Works Department July 17, 2003 ::t/t~; W -piu\!Ul Jp 1'(\ ~ by ~(-~ Charles Chapman 1285 Westmont Avenue Campbell, CA 95008 Subject: 1285 Westmont Avenue Frontage - Utility Clearance Dear Mr. Chapman: The City of Campbell is processing your street vacation request, which includes a 15' x 70' area, approximately 1050 square feet, along your property frontage. As part of the process the City requires utility clearance letters from the utility companies. Although the street vacation has yet not taken place, clearance letter are required to ensure there is no conflict with the utility companies. If you have any questions or comments I can be reached at (408) 866-2166. Sincerely, Edward Arango, P.E. Associate Engineer J:\LandDev\Plan Check Comments\Westmont 1285 Ltr.doc 70 North First Street Campbell, California 95008-1436 TEl. 408.866.:2150 FAX 408.376.0958 TDD 408.866.:2790 R< Ere'i :" '-' .L. i r ?",-'''-') J [il. i < WEST VALLEY SANITATION DISTRICT OF SANTA CLARA COUNTY S~~1ft1l'~~~~F CITY OF CAMPBELL TOWN OF LOS GATOS CITY OF MONTE SERENO CITY OF SARATOGA UNINCORPORATED AREA July 15, 2003 Charles R. Chapman, Jr. 1285 Westmont Avenue Campbell, CA 95008 RE: Vacating a Portion ofWestmont Avenue APN 403-10-036 (1285 Westmont Avenue) Dear Mr. Chapman: The district's conditions for the approval of your request are the following: W' /l7 ~.( /f ,? 1. Install a property line sewer c1eanout at the new property line per West Valley Sanitation District's standards. The new cleanout will serve as the terminus of the district's maintenance responsibility to your property. 2. Payment of $255 for inspection fee. Please call if you have any questions. .~ athan K. Lee S nior Civil Engineer cc: Harold Housley, City of Campbell '00 East Sunnyoaks Avenue, Campbell, California 95008-6608 Tel: (408) 378-2407 Fax: (408) 364-1821 o~ . CA1J . /)<? ~ ~ - \"'" U .. :f=t' (e. CAMPBELL .-' "- .,. "- (' c.> OI?CHARO CITY OF CAMPBELL I t \. . ..) ~ Community Development Department j!Jj1 Tht ()Ilhlnd (Ii) :W01 June 18,2003 Charles and Gloria Chapman 1285 Westmont Avenue Campbell, CA 95008 Re: Site and Architectural Review Permit Application File No.: PLN2003-76 1285 Westmont A venue Dear Mr.& Mrs. Chapman: Thank you for your Site and Architectural Review application for a single-family residential addition on property located at 1285 Westmont A venue. Due to the size, location, design and height of the addition, the Community Development Director has referred the application to the Planning Commission, where the matter will be decided upon at a public hearing. Your application has been deemed incomplete. The following additional information and details are needed in order to deem your application complete and schedule it for meetings with the Site and Architectural Review Committee (a sub-committee of the Planning Commission) and the Planning Commission: 1. Elevations - Complete elevations of the existing residence and the proposed addition needs to be submitted. All four elevations of the building need to be submitted. It is important that the elevations depict the scale and detail of the addition as it relates to the existing residence. 2. Preliminary Title Report: - Please provide a preliminary title report for the property. 3. Sample Board and Photos - Please provide samples of the following: a. Building materials (Please call out materials on the elevations) b. Paint colors (Please note on elevations) c. Photographs of the subject site and surrounding properties need to be submitted. 4. Site Plan - The following information needs to be provided on the site plan: a. Provide location and uses of buildings on adjacent properties. Describe the height and type of the structures. b. Show the street right-of-way and dimensions to centerline. c. Show existing and proposed easements and utilities d. Show demolition of any structures. e. Please illustrate on-site trees per the San Tomas Neighborhood Standards. 70 North First Street Campbell, California 95008-1436 TEL 408.866.2140 lAX 408.871.5140 Tim 408.866.2790 .!!..!::.!:!?q9..!..~.?~.::'...!..?.~~..'!Y~~.~.".!?.'!.~.:..:.....:~'!~....................................................................................................................................................................n........!:~?~..?...ql..?.......... 5. Vicinity Map - A vicinity map needs to be provided. This map needs to illustrate the layout of adjacent lots and the locations of buildings on those properties. Aerial photographs are available for review in the Public Works Department. The plans depict a one car garage with a substandard side yard setback of 3 feet. Please provide evidence of building permits for this structure. The Fire Department has requested that the structure be provided with a fire sprinkler system due to the distance to the center line of the street. Please note on the plans. If you should have any questions regarding these comments or the requested information, please contact me at (408) 866-2144 or via email attimh@citvofcampbell.com. Sincerely, /fZ~ Tim Haley Associate Planner cc: Geoff Bradley, Senior Planner Ben Mendoza, Code enforcement Officer Ed Arango, Associate Engineer J:\Completeness Letters\PLN2003-76 1285 Westmont Ave.doc MEMORANDUM CITY OF CAMPBELL TO: Tim Haley, Project Planner DATE: 06/17/03 FROM: ~ Lynn Penoyer, Land Development Manager Ed Arango, Associate Engine~ SUBJECT: DRC APPLICATION Site Address: 1285 Westmont Avenue For File No(s): PLN 2003-076 Project Description: New Addition to SFR Applicant: Charles and Gloria Chapman COMMENTS This property location falls under City Project 03-04 Westmont A venue Street Improvement. With this City project the property's frontage is scheduled for improvements to be installed beginning in July 2003 (i.e. curb, gutter and sidewalk). A Notice of Improvement Obligation will be set on the property after the improvements are constructed. The property owners will be required to payoff the Notice of Improvement Obligation immediately after the improvements are constructed. PUBLIC WORKS DEPARTMENT CONDITIONS OF APPROVAL 1. Work in the Public Right-of-Way: Prior to doing any work in the public right-of-way, the applicant shall obtain an encroachment permit, provide plans, pay fees and deposits, post security, and provide insurance. 2. Deferred Street Improvement Agreement: Prior to issuance of any grading, drainage, or building permits for the site, the owner shall execute a deferred street improvement agreement for construction of standard street improvements and/or payoff of Notice of Improvement Obligation. 3. Water Meter(s) and Sewer Cleanout(s): Existing and proposed water meter(s) and sewer cleanout(s) shall be installed on private property behind the public right-of-way line. 4. Utilities: All new on-site utilities shall be installed underground per Section 20.36.150 of the Campbell Municipal Code for any new or remodeled buildings or additions. Applicant shall comply with all plan submittals, permitting, and fee requirements of the serving utility compames. J :\LandDev\Conditions\ Westmont 1285.DOC Page 1 of 2 1285 Westmont A venue 5. Utility Coordination Plan: Prior to issuance of building permits for the site, the applicant shall submit a utility coordination plan and schedule for approval by the City Engineer for installation and/or abandonment of all utilities. Streets that have been resurfaced within the previous five years will require boring and jacking for all new utility installations. Applicant shall also prepare pavement restoration plans for approval by the City Engineer prior to any utility installation or abandonment. 6. Santa Clara Valley Water District (SCVWD): Prior to issuance of any permits for grading, landscaping, or building, the applicant shall obtain a clearance from the SCVWD. J:\LandDev\Conditions\Westmont 1285 .DOC Page 2 of 2 MEMORANDUM CITY OF CAMPBELL TO: Tim Haley, Project Planner DATE: 06/16/03 FROM: Lynn Penoyer, Land Development Manager Ed Arango, Associate Enginee~ SUBJECT: DRC APPLICATION Site Address: 1285 Westmont Avenue For File No(s): PLN 2003-076 Project Description: New Addition to SFR Applicant: Charles and Gloria Chapman PUBLIC WORKS DEPARTMENT COMPLETENESS COMMENTS Provide plan showing: a. Entire lot, with accurate lot dimensions. b. Street right-of-way and centerline. c. Existing and proposed utilities. d. Existing and proposed easements. e. Demolition of any existing structures. J :\LandDev\Completeness\ Westmont 1285.DOC DEVELOPMENT REVIEW COMMENT SHEET APPLICATION Distri bution: Completeness Comments: Conditions of Approval: June 10, 2003 June 16, 2003 June 25, 2003 ROUTE TO: Architectural Advisor X Fire Department Police Department Redevelopment Agency X Land Development Engineer X Traffic Engineer Service Center X Building Division PROJECT DESCRIPTION Application for a site architectural approval to allow a residential addition in a R-1-6 Zoning District in the San Tomas Area. File No.: APN: Applicant: Project Address: Zoning: General Plan Designation: PROJECT PLANNER: PLN 2003-76 403-10-36 Charles and Gloria Chapman 1285 Westmont Avenue R-1-6 Low Density Residential ( less than 6 units per gross acre) Tim Haley DEPARTMENTAL RECOMMENDATION: If it can be determined that this project will require minimal or no comments by your department/agency, please return this comment sheet with your initials to the Project Planner as soon as possible. Status Initial Comments No Comments Additional information/revisions (see attached) W(W(R(W(W(W(.(W("(W(W(W(W(W(W(W(W(WCWCWCW(WCW(W(WCWCW(W(W(W(W(WCW(W(WCW(W(W(W(W(W("(-(W( DEXD OF. DCON'lftAlCll ' WHERlUS', the IDl!ebtedne.s .ecured to be pald by the deed 01' 'rust execute4 b7 K ...T..III1tJLIJUl 1Iu1.h>>.11kiJt1a,iU'tt.l'1'ed U.&a1th, UJ:IIIlAI!'rlec1. .llbert B.Sm.1th and LUll.. ..,. .~th. h1s wlte,'and ~ameo R.Smlth. unmarried. to ..~.Clos.. as trustee. dated January 21 1920 and recorded In the ottice 01' the County Reoorder or the County 01' Santa Clara. , , -' , State 01' California in Llber 122 or '!"rust Deeds. at page 2~ et seq.. haa been tully .' , " " pa1d~'~~~- ';"f NOW THEREFORE, I. 1f.~.Cl08e, as:,.,.~~~rusteet.~~':,~li,~;ebY grant, r81118e, release and reconny unto said 1.~.Smlth, J'recI B.SIIl1tll.i~tnbert B.Sm1~J.land 1'''. R.Smlth, their he1rs and uslgns. without an)' arranty. all the estate and lIltereat deriTed to me. the 8a1d trustee. by or through sa14 4eeel 01' trust. in tht. lan4s ,dtuateel 1JI the County 01' Santa Clara State 01' calitornia. and therein descrlbed. together with the appurtenances. J .. :,,;.,"~-~ Spec1al reference be1ng hereby made to said deed ot'.~~st..nd the record thereat. tor a particular description at sa14 lands. ,; ..... .,,'}~,i- "'.,','".'," TO HAVE J..ND TO HOLD the same, w1t1:i()ut,'.ii'warran~, unto the said E.~ .Sm1th, "~',4;';'.'t~~.,..,~.,.~.~ ',";::r,'<I!'~~~' . !'red H.Smith. J.lbert R.Smith, and ~ames R.SDl1t.!wtheir helr.~i~nd assigns 1'orever. IN nTNESS WHEREOF, I have hereuntoaet -.:r hand this 9th day 01' December, A.D.19:32. ~~.Close. Trustee. W"1tness -- STA,7E OF CALIP'ORNll COUNTY 0F SANTA. CL.tJU. On this 9th day at December. A.D.1932, be1'ore me, EwaDgellne Mattos.a Notary Public 1n and for said County 01' Sante Clara. resid ing therein. duly COJlllll18s toned and slforn, personally appeared ~~.Clo8e, known to me to be the person whose name is subscr1bed to the annexed and fo:,egolng inst1'".l1Dent as party thereto. personaln known ~ lie to be the person de~cribed as tr~stee in. and ~ho, as trustee, executed the said instrument and he acknowledged to Iroe t!la t !le executed the same. and as trustee as therein sot forth. ill nTNBS2 '.rrlEREOF, I have hereunto set flf1 hand and arflxe4 Df1 ottic lal seal, at my ot1'1ce ~ said County 01' Santa Clara, the dey and yefa' 1n th1s certificate tirst above written. l NOTARIAL SEAl.) SSe bangeline Jlattos, 5otal'J Public in and for the sai4 County at Santa Clara. State of Calitornia. Fll.lm m. K-20212 liled to:' record at ',he request ot ~ Jose Abstract and T1tle In~~rance Co. Dee 14 1932 at 30 min. past 12 o'clock K. CBI.S. .I. PAYNE ,RECORDEB ;r .B.'l'homas Deputy Becorder 4t ,<7. .'J coroaparecI doo ~~' ~ .7?""- OCllll'81'fM1 book V' ~ :__........ ~ HJ'lJ.1"HJBJ'lJ : . _: W(W(W(_(W(_{.(W'W(_(W(_(W(W(W(W(W(_(W(W(_C_CW(W(WC_(W(W(w(.(W(W(W(-(W(W(W(W(W("C-C"(WC"(W(" : . tl.OO' i '!'l1LS IJI)EN'l'U1lS, _de the 7th.da,.. 01' ltove.ber, 1a tM year ot oar Lord, nineteen ~.........~i hundred eel thi:t:;-two. between .&1bel'", R.SIIlitll and LUllen "y Smith. his wite. George 'fhmaa Smitll and Edith .l.Sa1th. his wit., !'rei H.SaUh and "ude~ R.Smlth, his w11'e, an. .f.... ll.8JR1th and Boae Smith, his wite. the parties ot the first part. and Santa C'.ara TaUe)' "later Conservation Distrlot, the part~1ibe aecond part; WI1'JIISSK'lH: That -the saleS parties 01' the tirst pert. 1'or and In consideration .ot the... ot One 'l'hoaAJl4 Dollara C$1.0oo.oo), gold oobl of: the United States of .-.ri.. to th_ in hand pai4 b)' the part)' 01' the aea0n4 part. the 1'8ce Ipt whereot' 19 hereb7 ackDo1rleclgel. _4 oth8!! IP04J and "Ya11l8bl. oons1clerat1oD lMrre1Dat\er reterred to, do by t... pre..nts giant. bargain. 8ell and contlra unto the part)' of tha second par"' and to h. nco...,n and a..igns torever, all that cct.in .piece or parcel 01' land, situated, '~111& ad betnc iD the Count)' at Santa Clara, State ot CaL1tornla, and bov.n:!ed an4 '4eav1becl u :t01.1o.... ~o-lflt: i BlGIDDIl .t a point in the oenter 11De of a ~ n. roa" at the southeasterly , ' ;oorner of Lot r. ot the "Ibnll ~~ .. _" lIJ.ovell 1'1'ad- 18 ShOWD on a ap re corded t!ia Book ~-1 or 1Iape, pac. &. iD the oUlo.'ar tile CouIlt)' Reoor4el' o~ Sauta Olara eoun,.. I F-11tca-nta. ad rwm1llltheDoe alOD8 n. oento lae ot 881. SO tt, roea JI. 8:5. 10' :I. JU.8ft eha1u to th. poiDt ot tatened10Jl G.:t 1;1111 oent_ ,Un. ar 881c1 :so rt. road with the I"8ter17 lme or a <&0 n. :rod tn. SaD ~. ~ Boal).' . th__ toJWJw1DS the w..terl,.. !1ue ar 881" 40 n. 1'OtUI.. '-rU! L'O.'.01Wlltu. 'hen.. ~_ pa:rallel with the I -. ",-''',.::.,':'''. '.',' . -'.. -:,,,":'~' ,'" ~-".:.: ',.' '" ,.- ',. oen~er l1Be ot tbe at'o . 10De4t;1O ~*." : .-10'.. U.s7t chaine to . I. \1i' <,-t'; .' '-'\.~'-: '..' - . .'.' , ~.' ~ 1a "'he ...t_l7" 1 . .~-;:' ~..., thence tollo~.DC the t ,"'I "^-, ",r<;~,''''. ," ,<,.;;t-; ~..ter~ lue or A11., , '# 1;0 "'lie: 1'1&c. or bCiDbS. b.1n8. .', ~triP ot.1aDi ... ft.~."'~ ~" ,.. .', ;;>~l!"i,:';;..:4~/1: ! ~~'k. .........JIt. ... ~......... T r' _1:0 ~ ...~. ' ;'''~'' '.- - .' ~. ;"~i -""~ , '..l~ t.. 1.25 RR2 to BAB MID !O BOI.D aU _d ..1DgUlU' the aa1d preml.... together wlth the apJ..w...... 1IDto tM _ld part7 ot the ..oolld part and ita .ucc..or. alld aaa1gna f'oreY_. t ~u... the .r1&Jat. 1lIo~TC'. to go upqII the pqr'loll.~ ..14 lan4 oubW., ot the 42;.teIl tblr40lltor tbe purpo.. ot crulU.UDCsa1d lancl to,keep don ,weed,. and grass, aD4 tor the pupoae ot aacl10atlag ~ent. whell the grantee doe. not do ,the same; ane! ~BC~ To the rlghh .ot the public to traTel. Oil t. southerly 15 teet ot the roal herel_bOY. .eIlUoned; ed SlJ]l;JEC'f' also t.o a r~~t-1flQ' ,thr.. .l:S) teet. w1de aero.. .ald land about one h1uu1re4 (100) ted easterly troa the -.te:rly ~~ lbe-eot tor an iron pipe .t leut tin... (15) 1Ilch.. 1n di...tu a.-o.. said lan4. which .. . pert of sa1d cona1deraUon Ja.ere1JaboYa ..rerrecJ to the gn.n~ agreaa to turl:1all eel inatall1f1thout cost to the grantor. tor the pupoa. !'t COD4ucUns water tropa a creek anel a.a... south ot grantors' lan4 OIl the larA ot Oil. DeWitt to the lan4 ot graIltors; allel a. a further par't ot saicl oonslclaratioll .bo.... reterrecl to, the grant... agree. to perm.1t sald grantor. to take sutt1clent _108 8IlJl1I8l17 ~ the dUo to be constructed on tha aboTe c1e8Cr1bed property to 1rr1gate .the grantors ~ orchar4 of tnllty-o. (21) acres or therubout., ot wh~ch th.e abOTe deac1"1be4 property 1s a portion. wheMyer there 1s, su:tftc1ent water t'lolfiDC in sa1d d1toh. w1.tbout pe7iJla theretoI'. D WITlIISS "IlIi1QWJ'. the .1d partie. ot .the tirst ~ ba.... hereunto set their haD4a the 4&7 and year t1l"*t aboye wr1tten. .&lb." R.Sm1.th LUlian Kay Sm1 th George Thomas SIll1 th E~ith A..Sm1th Fred H.Sm1th llau~e B.sat th J"ames B.8mith Bo.. .Sm1 th e e su.n OJ' CALIFORNU ) COOBrf at SUIU CLIJa ) SS. , On thi. ftll 487 ot IIo...,JDber, A..D.1932, betore me. buge111la Jlattoa, a Notary .Public 1Jl and tor the Co";lJlty at SaJl~a Clara, Sta~e ot Cal1:torn1a. residing thereUa,clUl7 oOJD1Jlsioned and 81forn. ~rso::al17 appeared .&l~ert B.Smith and LUll_ Ifa7 SID1th, his wite, George Thomas Smith and Editll A..s.1tll, h1s wito, !'red H.SmJtll and )lauel. R.Sm1th, his wite, and ;rames R.SIlllth and Bo.. _ Sa1th. hi. wU., known to me to be the ~80ua eleaol"ibec1 in and wboae ruunea are 8ub- scr~ect to the within inatmaent. ane! tllW aoknowlecJgecl to .eJbat they .xecuted the aame. D nTJUOZ WHIBBOI'. I baft.he1;eUllto'.~~~~ u4t1xect rq oftioial. seal, the _ u4 y881" 1ia ~hl. oen1t1oat.1:U-.t ~~,' ., ~+j,\?A;,; . .. .. . (mT~T&L 8UL)f~~;~y::<~ ..Ut:iar1~~~:b~~Oc:i;::n~:: aai4 I'JLDD ~,E.-IOZ1.~ ' n1ecl tor aco~ at tu ~uU't ~ _ J~. a.tract ana ~itle Illsuraao. CO. LDae 161132 at aa a1Il. Mat 12 o'cl.o~" .. t CIWI.....P.&D1l, BIqO~ , De1iiiJ'JieOOrder I 1 ~ . 'f.._~. H ~ t, ' ~...~ 400 r-- "":C=i;;~~. (.(.(.i~c.(. (~(.(~(' (~(!~( ,e(~(~(.(~ : u 'f1a, ! tIIDI ~,,~ ..ae 1M lOti. clQ"~Ot 'DaoeDd: ,. ; t....,.," . <!>~ u.a"'- _ IlualJaner .tdect. })8l"t7 or the rust })8l"t." ....,...Q. ",-<I.. ..... : .IIIDI~, t . Will . A........._:!BA.!' ..(.(.(.(.(.(~(.(.(.(.('(. '~_J" UJr1Jl A.1(Ucox ~.a.lQMM!Ie, parly ot tlla . .~.. bright :Iat~te ~. . carparatlo. 4a17 arpaised all4 uiat1DC .... ... 1>>7 ...1rt.. or tia. law. or the Stat. of Ce1ltonda. paae u4 eDtllltel a .vtaill ~ at Uut ..~ ~ a. 1188. ... noor."JiO.I__ a. 1-' Sa the ott1.. of the CGa" '1IDIr" of ,. Glut7 of Buta ClRa. Mat. at c.w_as., 2a Tol11ae 41$ or om.e1al ~ 11& ~.. ... ., .0IIl.. .7 ana l' -a'*f&. tp -.sa ~.11oos. a. tnet... upoa tlle Qu~ ... ~S"MIi' tHr.m ....... Sa t.. -us. ~. __iatt,.- ...on1>>" '0 ...~ tu ~ lInt of tat ..na1a po-.i_1ICIl'7 110'. 01" aa14 JrelPt Xatate ~ tor the _ fd 110.000'- wltJl Sat... t!loRan. at tbe r.'. of ..... JPCl" ..t. per DUUIl. }le7"1. .-n-- ''7. ad 11" IIDt ap pa14 ~ ~.. .... to -.4 --. a pari of the pr1no1J&l a4 Ma . 1jD ~~ 01 tm.Ndj. aDI . ~1U.~. Hiel proai.ao~ III)w" Ilot pa1j __ 1_ be.,... 1M, nor th~:t' I '!IfAl" .~ a11J ... . . . · I . .....&~. .aieI 4... or t~ port6... .....~ .7 laW, tbat 101.;. tn.teer I _ --.n.~ ........ elIa11 reoor. Sa the Grn- ~ tll. ~~ Beoorder or the Count7 t