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HomeMy WebLinkAboutTitle InsuranceTHE FOLLOWING COMMITMENT FOR TITLE INSURANCE IS NOT VALID UNLESS YOUR NAME AND THE POLICY AMOUNT ARE SHOWN IN SCHEDULE A, AND OUR AI.)'Fl-10RIZFD REPRESENTATIVE HAS COUNTERSIGNED BELOW. COMMITMENT FOR TITLE INSURANCE S33741 ISSUED BY FIDELITY NATIONAL TITLE INSURANCE COMPANY We, Fidelity National Title Insurance Company, will issue our title insurance policy or policies (the Policy) to You (the proposed insured) upon payment of the premium and other charges due, and compliance with the requirements in Schedule B and Schedule C, Our Policy will be in the form approved by the Texas Department of Insurance at the date of issuance, and will insure your interest in the land described in Schedule A. The estimated premium for our Policy and applicable endorsements is shown on Schedule D. There may be additional charges such as recording fees, and expedited delivery expenses. This Commitment ends ninety (90) days from the effective date, unless the Policy is issued sooner, or failure to issue the Policy is our fault. Our liability and obligations to you are under the express terms of this Commitment and end when this Commitment expires. TX0353 S33741 Lawyers Title Company Of Brazos County 1450 Copperfield Pkway College Station, TX 77845 Tel: (979) 776.3600 Fax:(979) 776-3700 Fidelity National Title Insurance Company 0 Authorized Signature CONDITIONS AND STIPULATIONS 1. If you have actual knowledge of any matter which may affect the title or mortgage covered by this Commitment, that is not shown in Schedule B, you must notify us in writing. If you do not notify us in writing, our liability to you is ended or reduced to the extent that your failure to notify us affects our liability. If you do notify us, or we learn of such matte, we may amend Schedule B, but we will not be relieved of liability already incurred, 2. Our liability is only to you, and others who are included in the definition of Insured in the Policy to be issued. Our liability is only for actual loss hrcumed in your reliance on this Commitment to comply with its requirements or to acquire the interest in the land. Our liability is limited to the amount shown in Schedule A of this Commitment and will be subject to the following terns of the Policy: Insuring Provisions, Conditions and Stipulations, and Exclusions. Fm'm No. 27C13443 (t 1/2009) Commiunent Pot Tift Insurance (T-7) LS FIDELITY NATIONAL TITLE INSURANCE COMPANY TITLE Title Insurance insures you against loss resulting from El seguro de titulo to asegura en re acion a certain risks to your title. perdidas resultantes de ciertos riesgos que pueden The Commitment for Title Insurance is the Title afectar el titulo de sit propiedad. Insurance Company's promise to issue the Title El Compromiso para Seguio de Titulo es la promesa Insurance Policy. The Commitment is a legal docutuent, de la compania aseguradora de titulos de emitir Is You should review it carefully to completely poliza de seguro de titulo. EI Compromiso es un understand it before your closing date. documento legal. Usted debe leerlo cuidadosameme y entenderlo complemente antes de la fecha para finalizar su transaccion. Your Commitment for Title Insurance is a legal contract between you and us. The Commitment is not an opinion or report of your title, It is a contract to issue you a Policy subject to the Commitment's terms and requirements. Before issuing a Commitment for Title Insurance (the Commitment) or a Title Insurance Policy (the Policy), the Title Insurance Company (the Company) determines whether the title is insurable. This determination has already been made. Part of that determination involves the Company's decision to insure the title except for certain risks that will not be covered by the Policy. Some of these risks are listed in Schedule B of the attached Commitment as Exceptions. Other risks are stated in the Policy as Exclusions. These risks will not be covered by the Policy. The Policy is not an abstract of title nor does a Company have an obligation to determine the ownership of any mineral interest. ---MINERALS AND MINERAL RIGHTS may not be covered by the Policy. The Company may be unwilling to insure title unless there is an exclusion or an exception as to Minerals and Mineral Rights in the Policy. Optional endorsements insuring certain risks involving minerals, and the use of improvements (excluding lawns, shrubbery and trees) and permanent buildings may be available for purchase. Neither this Policy, nor the optional endorsements, insure that the purchaser has title to the mineral rights related to the surface estate. Another part of the determination involves whether the promise to insure is conditioned upon certain requirements being met. Schedule C of the Commitment lists these requirements that must be satisfied or the Company will refuse to cover them. You may want to discuss any matters shown in Schedules B and C of the Commitment with an attorney. These matters will affect your title and your use of the land. When your Policy is issued, the coverage will be limited by the Policy's Exception, Exclusions and Conditions, defined below. ---EXCEPTIONS are title risks that a Policy generally covers but does not cover in a particular instance. Exceptions are shown on Schedule B or discussed in Schedule C of the Commitment. They can also be added if you do not comply with the Conditions section of the Commitment. When the Policy is issued, all Exceptions will be on Schedule B of the Policy, ---EXCLUSIONS are title risks that a Policy generally does not cover. Exclusions are contained in the Policy but not shown or discussed in the Commitment. ___CONDITIONS are additional provisions that qualify or limit your coverage, Conditions include your responsibilities and those of the Company. They are contained in the Policy but not shown or discussed in the Commitment. The Policy Conditions are not the same as the Commitment Conditions. You can get a copy of the policy form approved by the Texas Department of Insurance by calling Fidelity National Title Insurance Company at I-800.654-7041 or by calling the title insurance agent that issued the Commitment. The Texas Department of Insurance may revise the policy form from time to time. You can also get a brochure that explains the Policy from the Texas Department of Insurance by calling 1-800-252- 3439. Ponn No. 27CI3443 (11/2009) Cmnminnein ror Tine lusuiance (T-7) Before the Policy is issued, you may request changes in the Policy. Some of the changes to consider are ---Request amendment of the "area and boundary" exception (Schedule B, paragraph 2). To get this amendment, you must furnish a survey and comply with other requirements of the Company. On the Owner's Policy, you must pay an additional premium for the amendment, If the survey is acceptable to the Company and if the Company's other requirements are met, your Policy will insure you against loss because of discrepancies or conflicts in boundary lines, encroachments or protrusions, or overlapping of improvements. The Company may then decide not to insure against specific boundary or survey problems by making special exceptions in the Policy. Whether or not you request amendment of the "area and boundary" exception, you should determine whether you want to purchase and review a survey if a survey is not being provided to you. ---Allow the Company to add an exception to "rights of parties in possession." If you refuse this exception, the Company or the title insurance agent may inspect the property. The Company may except to and not insure you against the rights of specific persons, such as renters, adverse owners or easement holders who occupy the land. The Company may charge you for the inspection. If you want to make your own inspection, you must sign a Waiver of Inspection form and allow the Company to add this exception to your Policy. The entire premium for a Policy must be paid when the Policy is issued. You will not owe any additional premiums unless you want to increase your coverage at a later date and the Company agrees to add an Increased Value Endorsement. Fenn No. 27CI 3443 (1112.009) Commitment For Title Insurance ('r-7) COMMITMENT FOR TITLE INSURANCE Issued By .Fidelity National Title Insurance Company SCHEDULE A Effective Date: December 26, 2011, 7:00 am Commitment No. issued January 5, 2012, 11:29 am The policy or policies to be issued are: (a) OWNER'S POLICY OF TITLE INSURANCE (Form T-1) (Not applicable for improved one -to -four family residential real estate) Policy Amount: $67,000.00 PROPOSED INSURED: Paul A. Baumann and Julie W. Baumann (b) TEXAS RESIDENTIAL OWNER'S POLICY OF TITLE INSURANCE - ONE -TO -FOUR FAMILY RESIDENCES (Form T-IR) Policy Amount: PROPOSED INSURED: (c) LOAN POLICY OF TITLE INSURANCE (Form T-2) Policy Amount: $53,600.00 PROPOSED INSURED: To Be Determined Proposed Borrower: Paul A. Baumann and Julie W. Bamnann (d) TEXAS SHORT FORM RESIDENTIAL LOAN POLICY OF TITLE INSURANCE (Form T-2R) Policy Amount: PROPOSED INSURED: Proposed Borrower: (e) LOAN TITLE POLICY BINDER ON INTERIM CONSTRUCTION LOAN (Form T-13) Binder Amount: PROPOSED INSURED: Proposed Borrower: (f) OT14ER Policy Amount: PROPOSED INSURED: The interest in the land covered by this Commitment is: Fee Simple Record title to the land on the Effective Date appears to be vested in: Wilfred Jacinto and wife, Julie Jacinto 4. Legal description of the land: GP No.S33741 Lot Sixteen B (16-B), REPLAT OF LOT 16, LAKE VIEW ACRES REVISED, an addition to the City of College Station, Brazos Comity, Texas, according to the Plat recorded in Volume 2182, Page 35, Official Records of Brazos County, Texas. FORM T•7: Commitment for Title Insurance Page i COMMITMENT FOR TITLE INSURANCE Issued By Fidelity National Title Insurance Company SCHEDULER EXCEPTIONS FROM COVERAGE In addition to the Exclusions and Conditions and Stipulations, your Policy will not cover loss, costs, attorneys' fees, and expenses resulting from; The following restrictive covenants of record itemized below (We must either insert specific recording data or delete this exception): PLAT: VOLUME 2182 PAGE 35, OFFICIAL RECORDS OF BRAZOS COUNTY, TEXAS. RESTRICTIONS: VOLUME 129, PAGE 231, DEED RECORDS OF BRAZOS COUNTY, TEXAS. NOTE: TO THE EXTENT THAT THESE RESTRICTIONS VIOLATE 42 USC 3604 (e) BY INDICATING A PREFERENCE, LIMITATION OR DISCRIMINATION BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS OR NATIONAL ORIGIN, SUCH RESTRICTIONS ARE HEREBY OMITTED, 2. Any discrepancies, conflicts, or shortages in area or boundary lines, or any encroachments or protrusions, or any overlapping of improvements. Upon Company's reeelpt, review and approval of a current land title survey, and payment of any promulgated premium, this item can be amended to read in its entirety shortages in area'." 3. Homestead or community property or survivorship rights, if any, of any spouse of any insured. (Applies to the Owner's Policy only.) 4. Any titles or rights asserted by anyone, including, but not limited to, persons, the public, corporations, governments or other entities, a. to tidelands, or lands comprising the shores or beds of navigable or perennial rivers and streams, lakes, bays, gulfs or oceans, or b. to lands beyond the line of harbor or bulkhead lines as established or changed by any government, or C. to Filled -in lands, or artificial islands, or d. to statutory water rights, including riparian rights, or e. to the area extending from the line of mean low tide to the line of vegetation, or the rights of access to that area or easement along and across that area. (Applies to the Owner's Policy only.) Standby fees, taxes and assessments by any taxing authority for the year 2012, and subsequent years; and subsequent taxes and assessments by any taxing authority for prior years due to change in land usage or ownership, but not those taxes or assessments for prior years because of an exemption granted to a previous owner of the property under Section 11.13, Texas Tax Code, or because of improvements not assessed for a previous tax year. (If Texas Short Form Residential Loan Policy (T-2R) is issued, that policy will substitute "which become due and payable subsequent to Date of Policy" in lieu of "for the year _ and subsequent years.") 6. The terms and conditions of the documents creating your interest in the land. Materials Furnished or labor performed in connection with planned construction before signing and delivering the lien 1:0RMT-7: Page Continuation of Schedule B GF No. S33741 document described in Schedule A, if the land is part of the homestead of the owner. (Applies to the Loan Title Policy Binder on Interim Construction Loan only, and may be deleted if satisfactory evidence is furnished to its before a binder is issued.) 8. Liens and leases that affect the title to the land, but that are subordinate to the lien of the insured mortgage. (Applies to Loan Policy (T-2) only.) 9. The Exceptions from Coverage and Express Insurance in Schedule B of the Texas Short Form Residential Loan Policy (T- 2R). (Applies to Texas Short Form Residential Loan Policy (T-2R) only. Separate exceptions i through 8 of this Schedule B do not apply to the Texas Short Form Residential Loan Policy (T-2R). 10. The following matters and all terns of the documents creating or offering evidence of the matters (We must insert matters or delete this exception.): a. Easements, or claims of casements, not shown by the public records. b. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the title that would be disclosed by an accurate and complete land survey of the land. (NOTE: Upon receipt of a survey acceptable to Company, this exception will be deleted. Company reserves the right to add additional exceptions per its examination of said survey.) c. Building lines, and any and all easements as reserved on plat recorded in Volume 2182, Page 35, Official Records of Brazos County, Texas. d. Easement executed by A.J. Tabor, Jr. to City of Bryan, Texas, dated April 15, 1937, recorded in Volume 98, Page 75, Deed Records of Brazos County, Texas. e. All leases, grants, exceptions or reservations of coal, lignite, oil, gas and other minerals, together with all rights, privileges, and immunities relating thereto, appearing in the Public Records whether listed in Schedule B or not. There may be leases, grants exceptions or reservations of mineral interest that are not listed. f. Interest in and to all coal, lignite, oil, gas and other minerals, and all rights incident thereto, contained In instrument dated June 30, 1945, recorded on August 17, 1945, in Volume 120, Page 207, Deed Records of Brazos County, Texas. Reference to which instrument Is here made for particulars. No further search of title has been made as to the interest(s) evidenced by this instrument, and the Company makes no representation as to the ownership or holder of such interest(s). g. Interest In and to all coal, lignite, oil, gas and other minerals, and all rights incident thereto, contained in instrument dated July 12, 1984, recorded on Judy 12, 1984, in Volume 702, Page 643, Official Records of Brazos County, Texas. Reference to which instrument is here made for particulars. No further search of title has been made as to the interest(s) evidenced by this instrument, and the Company makes no representation as to the ownership or holder of such interest(s). in. Interest in and to all coal, lignite, oil, gas and other minerals, and all rights incident thereto, contained in instrument dated May 31, 1985, recorded on June 3, 1985, in Volume 794, Page 691, Official Records of Brazos County, Texas. Reference to which instrument is here made for particulars. No further search of title has been made as to the interest(s) evidenced by this instrument, and the Company makes no representation as to the ownership or holder of such interest(s). i. Interest in and to all coal, lignite, oil, gas and other minerals, and all rights incident thereto, curtained in instrument dated September 13, 1993, recorded on October 8, 1993, in Volume 1929, Page 85, Official Records of Brazos County, Texas. Reference to which instrument is here made for particulars. No further search of title has been made as to the interest(s) evidenced by this instrument, and the Company makes no representation as to the ownership or holder of such interest(s). FORM T-7; Commitment for Title Insurance Page; Continuation of Schedule B GF No. S33741 Lease for coal, lignite, oil, gas or other minerals, together with rights incident thereto, dated October 19, 1984, by and between Ralph E. Miller and wife, Aletha H. Miller, and Billy H. Rausdell and wife, Casandra K. Ransdell, as Lessor, and W & W Minerals, Inc., as Lessee, recorded on December 5, 1984 in Volume 746, Page 501, of the Official Records of Brazos County, Texas. Reference to which Instrument is here made for particulars. No further search of title has been made as to the interest(s) evidenced by this instrument, and the Company makes no representation as to the ownership or holder of such interest(s). k. Lease for coal, lignite, oil, gas or outer minerals, together with rights incident thereto, dated October 24, 1991, by and between Ralph R. Miller and wife, Aletha H. Miller, and Billy H. Ransdell and wife, Casandra R. Ransdell, as Lessor, and Central Plains Oil & Gas Corp., as Lessee, recorded on January 13, 1992 in Volume 1405, Page 313, of the Official Records of Brazos County, Texas. Reference to which instrument is here made for particulars. No further search of title has been made as to the htterest(s) evidenced by this Instrument, and the Company makes no representation as to the ownership or holder of such Interest(s). Rights of parties in possession, (Owner's Title Policy) FORM T-7: Commitment for Title Insm•ance Page COMMITMENT FOR TITLE INSURANCE Issued By Fidelity National Title Insurance Company SCHEDULE C Your Policy will not cover loss, costs, attorneys' fees, and expenses resulting from the following requirements that will appeal as Exceptions in Schedule B of the Policy, unless you dispose of these matters to our satisfaction, before the date the Policy is issued: 1. Documents creating your title or interest must be approved by us and must be signed, notarized and filed for record. Satisfactory evidence must be provided that: a, no person occupying the land claims any interest in that land against the persons named in paragraph 3 of Schedule A, b. all standby fees, taxes, assessments and charges against the property have been paid, C. all improvements or repairs to the property are completed and accepted by the owner, and that all contractors, subcontractors, laborers and suppliers have been fully paid, and that no mechanic's, laborer's or materialmen's liens have attached to the property, d, there is legal right of access to and from the land, e. (on a Loan Policy only) restrictions have not been and will not be violated that affect the validity and priority of the insured mortgage. 3. You must pay the seller or borrower the agreed amount for your property or interest. 4. Any defect, lien or other matter that may affect title to tine land or interest insured, that arises or is filed after the effective date of this Commitment. 5. We will require tax certificates on the subject property showing all taxes paid up to and including the year 2011. 6. Vendor's lien retained in Deed executed by Charles Wilding joined pro forma by Spouse, Lama Wilding, to Wilfred Jacinto and wife, Julie Jacinto , dated October 31, 2008, recorded in Volume 8856, Page 211, Official Records of Brazos County, Texas; and additionally secured by a Deed of Trust executed by Wilfred Jacinto and wife, Julie Jacinto to Steven D. Harper, Trustee, for the benefit of Brazos Valley Bank, N.A., dated October 31, 2008, recorded in Volume 8856, Page 214, Official Records of Brazos County, Texas (in tine amount of $45,000,00). Assignment of Rents, Leases and Other Benefits executed by Wilfred Jacinto and wife, Julie Jacinto, and Brazos Valley Bank, N.A., dated October 31, 2008, recorded in Volume 8856, Page 223, Official Records of Brazos Comity, Texas. Note to all Buyers, Sellers, Borrowers, Lenders and all parties interested in the transaction by this Commitment. The following constitutes major changes in the procedures and requirements for disbursement of funds by the Title Agent pursuant to this transaction: Effective August 1, 1998, the State Board of Insurance has adopted Procedural Rule P- 27 which requires that "Good Funds" be received and deposited before a Title Agent may disburse from its trust fluid account. The terns "Good Funds" is defined as: (1) Cash or wire transfers; (2) Certified funds, including certified checks and cashier's checks; (3) Uncertified finds from amounts less than $1,500.00, including checks, traveler's checks, money orders and negotiable orders of withdrawal; provided multiple items shall not be used to avoid the $1,500.00 limitation; and (4) Uneertified fluids fit amounts of $1,500.00 or more, drafts and any other items when collected by the financial institution. The following note is for informational purposes only: FORM T-7: Commitment for Title Insurance Pep 5 Continuation of Schedule C GF No, 833741 The following deed(s) affecting said land were recorded within twenty-four (24) months of the date of this report: NONE Title is vested as set forth herein on Schedule A, by virtue of a Warranty Deed with Vendor's Lien executed by Charles Wilding joined pro forma by Spouse, Laura Wilding, to Wilfred Jacinto and wife, .Tulle Jacinto , dated October 31, 2008, recorded in Volume 8856, Page 211, Official Records of Brazos County, Texas Countersigned Lawpalitle Compu of Brazos Co my B Ant U rized Countersignature FORM T-7: Commionent for Title Insurance puce 6 COMMITMENT FOR TITLE INSURANCE SCHEDULE D GF No. S33741 Effective Date: December 26, 2011, 7:00 am Pursuant to the requirements of Rule P-21, Basic Manual of Rules, Rates and Forms for the writing of Title Insurance in the State of Texas, the following disclosures are made: i . The following individuals are directors and/or officers, as indicated, of the Title Insurance Company issuing this Commitment Fidelity National Title Insurance Company The following individuals are Directors and/or Officers of FIDELITY NATIONAL TITLE INSURANCE COMPANY: DIRECTORS OFI+ICERS Alan Lynn Stinson Raymond Randall Quirk Anthony John Park Raymond Randall Quirk Anthony John Park Daniel K. Murphy Michael L. Gravelle President and Chief Operating Officer Executive Vice President Treasurer Secretary Fidelity National Financial, Inc, owns 100% of Fidelity National Title Group, inc. and Fidelity National Title Group, 1uc. owns 100% of Chicago Title and Trust Company and Chicago Title and Trust Company owns 100% of Fidelity National Title Insurance Company. 2. The following disclosures are made by this Title Insurance Agent issuing this Commitment: Lawyers Title Company of Brazos County The following persons are officers and directors of the Title Insurance Agent: Shareholder, President & Director: Jay Don Watson Shareholder, Vice President & Director: Billy M. Payne Shareholder, Vice President, secretary, Treasurer & Director: Walter S. Campbell Shareholder, Vice President & Director: Louis A. Malecheh, III You are entitled to receive advance disclosure of settlement charges in connection with the proposed transaction to which this commitment relates. Upon your request, such disclosure will be made to you. Additionally, the name of any person, firm or corporation receiving a portion of the premium from the settlement of this transaction will be disclosed on the closing or settlement statement. You are further advised that the estimated title premium' is: Owner's Policy Loan Polioy Endorsement Charges Other Total $620.00 $100.00 $0.00 $0.00 $720.00 Of this total amount: 15% will be paid to the policy issuing Title Insurance Company: 85% will be retained by the issuing Title Insurance Agent; and the remainder of the estimated premium will be paid to other parties as follows: Amount To Whom For Services IThe estimated premium is based upon information furnished to us as of the date of this Commitment for Title Insurance. Final determination of the amount of the premium will be made at closing in accordance with the Rules and Regulations adopted by the Commissioner of Insurance," FORM T-7: Commitment for Title insurance Page l DELETION Or ARBITRATION PROVISION (Not applicable to the Texas Residential Owner's Policy) Arbitration is a common form of alternative dispute resolution. It can be a quicker and cheaper means to settle a dispute with your Title Insurance Company. However, if you agree to arbitrate, you give up your right to take the Title Company to court and your rights to discovery of evidence may be limited in the arbitration process. In addition, you cannot usually appeal an arbitrator's award. Your policy contains an arbitration provision (shown below). It allows you or the Company to require arbitration if the amount of insurance is $2,000,000 or less. If you want to retain your right to sue the Company in case of a dispute over a claim, you must request deletion of the arbitration provision before the policy is issued. You call do this by signing this form and returning it to the Company at or before the closing of your real estate transaction or by writing to the Company. The arbitration provision in the Policy is as follows: "Either the Company or the Insured may demand that the claim or controversy shall be submitted to arbitration pursuant to the Title Insurance Arbitration Rules of the American Land Title Association ("Rules"). Except as provided in the Rules, there shall be no joinder or consolidation with claims or controversies of other persons. Arbitrable matters may include, but are not limited to, any controversy or claim between the Company and the Insured arising out of or relating to this policy, any service in connection with its issuance or the breach of a policy provision, or to any other controversy or claim arising out of the transaction giving rise to this policy. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company or the Insured, unless the Insured is an individual person (as distinguished from an Entity). All arbitrable matters when the Amount of Insurance is in excess of $2,000,000 shall be arbitrated only when agreed to by both the Company and the Insured. Arbitration pursuant to this policy and under the Rules shall be binding upon the parties. Judgment upon the award rendered by the Arbitrator(s) may be entered in any court of competentjmisdiction," SIGNATURE DATE Porn No. 27CI3443 (1112009) Commitment Por'ritle insurance (L7) THE FOLLOWING FORM IS INTENDED FOR INFORMATION ONLY. IT ASSUMES THAT THE USER WILL NOT BE SHARING NONPUBLIC PERSONAL INFORMATION WITH NON- AFFILIATED THIRD PARTIES EXCEPT TO CARRY OUT THE CUSTOMER'S TRANSACTION, TO PREVENT FRAUD AND UNAUTHORIZED TRANSACTIONS, FOR INSTITUTIONAL RISK CONTROL, TO RESOLVE CLAIMS, AND AS REQUIRED BY LAW. (16 CFR SECTIONS 313,14 AND 313,15) THERE IS NOT REPRESENTATION THAT THIS DISCLOSURE WILL COMPLY WITH THE REQUIREMENTS OF THE FEDERAL AND STATE PRIVACY LAWS. LAWYERS TITLE COMPANY OF BRAZOS COUNTY PRIVACY POLICY We collect nonpublic information about you from the following sources; • Information we receive from you, such as your name, address, telephone number, or social security number. e bnformation about your transaction(s) with us, our affiliates, or others. We receive this information from your lender, attorney, rent estate broker, etc; and Information from public records. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by low. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide the prodnets or services requested by you or your lender. We maintain physical, electronic, and procedural safeguards that comply with appropriate federal and state regulations. Fidelity National Financial, Inc. Privacy Statement Fidelity National Financial, Inc, and its subsidiaries ("FNF") respect the privacy and security of your non-public personal information ("Personal Information") and protecting your Personal Information is one of our top priorities. This Privacy Statement explains FNF's privacy practices, including how we use the Personal Information we receive from you and from other specified sources, and to whom it may be disclosed. FNF follows the privacy practices described in this Privacy Statement and, depending on the business performed, FNF companies may share information as described herein. Personal information Collected We may collect Personal Information about you from the following sources: • Information we receive from you on applications or other forms, such as your name, address, social security, number, tax idenlificntion number, asset information, and income information; • Infonuation we receive from you through our Internet websites, such as your name, address, entail address, Internet Protocol address, the website links you used to get to our websites, and your activity while using or reviewing our websites; • Information about your transactions with or services performed by us, our affiliates, or others, such as information concerning your policy, premiums, payment history, information about yom home or other real property, information from lenders and other third parties involved in such transaction, account balances, and credit card information; and • information we receive from consumer or other reporting agencies and publicly recorded documents. Disclosure of Personal Information We may provide your Personal Information (excluding information we receive from consumer or other credit reporting agencies) to various individuals and companies, as permitted by law, without obtaining yom prior authorization, Such laws do not allow consumers to restrict these disclosures. Disclosures may include, without limitation, the following: • To insurance agents, brokers, representatives, support organizations, or others to provide you with services you have requested, and to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure in connection with an insurance transaction; • To third -party contractors or service providers for the purpose of determining your eligibility for an insurance bencflit or payment and/or providing you with services you have requested; • To an insurance regulatory amhm ity, or a law enforcement or other governmental authority, in a civil action, in connection with a subpoena or a governmental investigation; • To companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements; and/o • To lenders, lien holders, judgment creditors, or other parties claiming an encumbrance or all interest in title whose claim or interest must be determined, settled, paid or released prior to a title orescrow closing. We may also disclose your Personal Information to others when we believe, in good faith, that such disclosure is reasonably necessary to comply with the law or to protect the safety of our cuslomrs, employees, or property and/or to comply with a judicial proceeding, court o'dei or legal process. Disclosure to Affiliated Companies - We are permitted by law to share your name, address and facts about your transaction with other FNF companies, such as insurance companies, agents, and other real estate service providers to provide you with services you have requested, for marketing or product development research, or to market products or services to you. We do not, however, disclose information we collect front consumer or credit reporting agencies with our affiliates m- others vdthoul your consent, in conformity with applicablelaw, unless such diselosureis othenviso permitted by law. Discl sure to Nonaffiliated Third Parties - We do not disclose Personal information about our customers or former customers to nonaffiliated third parties, except as outlined herein or as otherwise permitted bylaw. Confidentiality and Security of Personal Information We restrict access to Personal Information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard Personal Information. Access to Personal Information/ Requests for Correction, Amendment, or Deletion of Personal Information As required by applicable law, we will afford you the right to access your Personal Information, under certain circunnstancesto find out to whom your Personal Information has been disclosed, and request correction or deletion of your Personal Information. However, fNF's current polic� maintain customers' Personal Information for no less than your state's required record retention requirements for th@yumose of handiinp (Inure coverage claims. For your protection, all requests made under this s@coon must be in wrilimgand must itycludeyournolarized signature to estpblish your identity. Where permitted by law, we may charge a reasonable fee to cover the costs incurred in responding to such requests. Please send requests to: Chief Privacy Officer Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, FL 32204 Changes to this Privacy Statement This Privacy Statement may be amended from time to time consistent with applicable privacy laws. When we amend this Privacy Statement, we will post a notice of such changes on our website. The effective date of this Privacy Statement, as stated above, indicates the last time this Privacy Statementwas revised ormalerially changed. Form No. 27C13443 (1112009) Commitment For Title Insurance (R7)