Title Report recd 4-10-18.pdf11201 SE 8th ST, Suite 200
y, Bellevue, WA 98004
C W, ; .� Phone: (425) 896-3896
W W W. C W T I T E E N E T Fax: 425 896-3983
COMMITMENT FOR TITLE INSURANCE
ISSUED BY
TITLE RESOURCES GUARANTY COMPANY
SCHEDULE
1. Effective Date: March 23, 2018 at 8:00 a.m.
2. Policy or Policies to be issued:
ALTA HOMEOWNER'S POLICY 2-3-10
PROPOSEDINSURED:
AMOUNT:
PREMIUM:
TAX:
TOTAL:
TO BE DETERMINED
$
0.00
$
0.00
$
0.00
$
0.00
Order No.: RC-40208764
Commitment No.: RC 40208764
REl I
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U 111 Sew CE
COUNTER
ALTA LOAN POLICY 6-17-06 - PURCHASE MONEY LOAN RATE
PROPOSEDINSURED
AMOUNT:
PREMIUM:
TAX:
TOTAL:
TO BE DETERMINED
$
0.00
$
0.00
$
0.00
$
0.00
3. Title to the fee simple estate or interest in the land described or referred to in this
Commitment is at the Effective Date hereof vested in:
Thanh,TraITngand Phuonq Vo, a marriedITITcouple
4. The land referred to in this Commitment is described as follows:
See Exhibit "A" attached hereto.
TRGC Form: WA 09/28/2011
Order No: RC-40208764
EXHIBIT "A"
ALL OF THAT PORTION OF LOT 4, BLOCK 2, LAKE BALLINGER LAND CO'S PLAT
SUBDIVISION NO. 1, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME
9 OF PLATS, PAGES 57 AND 58, RECORDS OF SNOHOMISH COUNTY AUDITOR,
DESCRIBED AS FOLLOWS:
BEGINNING AT THE NORTHWEST CORNER OF SAID LOT 4;
THENCE SOUTHERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A
RADIUS OF 350 FEET AND FOLLOWING THE EASTERLY MARGIN OF BRADLEY
ROAD FOR 146.20 FEET TO A POINT OF TANGENCY;
THENCE CONTINUING ALONG THE EASTERLY MARGIN OF BRADLEY ROAD,
SOUTH 13022'30" EAST 247.30 FEET TO THE TRUE POINT OF BEGINNING OF
THE TRACT HEREIN DESCRIBED;
THENCE CONTINUING SOUTH 13022'30" EAST 100.44 FEET;
THENCE NORTH 82052'16" EAST 165.44 FEET, MORE OR LESS, TO THE
WESTERLY MARGIN OF THE OLD INTERURBAN RIGHT-OF-WAY;
THENCE NORTHERLY ALONG SAID RIGHT-OF-WAY 82.36 FEET TO A POINT
WHICH IS NORTH 89011'02" EAST OF THE TRUE POINT OF BEGINNING;
THENCE SOUTH 89011'02" WEST 206.42 FEET, MORE OR LESS, TO THE TRUE
POINT OF BEGINNING;
TOGETHER WITH THE FOLLOWING DESCRIBED LOT SITUATED ADJACENT
THERETO:
BEGINNING AT THE NORTHWEST CORNER OF SAID LOT 4;
THENCE SOUTHERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A
RADIUS OF 350 FEET AND FOLLOWING THE EASTERLY MARGIN OF BRADLEY
ROAD FOR 146.20 FEET TO A POINT OF TANGENCY OF SOUTH CURVE;
THENCE CONTINUING ALONG THE EASTERLY MARGIN OF BRADLEY ROAD,
SOUTH 13022'30" EAST 347.74 FEET TO THE TRUE POINT OF BEGINNING;
THENCE NORTH 82052'16" EAST 165.44 FEET, MORE OR LESS, TO THE
WESTERLY MARGIN OF THE OLD INTERURBAN RIGHT-OF-WAY;
THENCE SOUTH 84051'48" WEST 103.21 FEET;
THENCE SOUTH 64026'46" WEST 63.87 FEET TO THE EASTERLY MARGIN OF
BRADLEY ROAD;
THENCE NORTH 16.70 FEET TO THE TRUE POINT OF BEGINNING;
SITUATE IN THE CITY OF EDMONDS, COUNTY OF SNOHOMISH, STATE OF
WASHINGTON.
Order No. RC 40208764
EXHIBIT "A" - Continued
APN: 00488800200410,00488800200409
THE ADDRESS FOR THE EXHIBIT "A" ABOVE IS AS FOLLOWS:
23135 75th Place W Edmonds, WA 98026
THE PROPERTY ADDRESS SHOWN ABOVE IS NOT PART OF THE LEGAL DESCRIPTION
FOR THE TITLE TO THE LAND TO BE INSURED.
Order No.: RC-40208764
COMMITMENT FOR TITLE INSURANCE
ISSUED BY
TITLE RESOURCES GUARANTY COMPANY
SCHEDULE B - SECTION I
REQUIREMENTS: The following requirements must be satisfied (unless otherwise noted, all
documents required to be recorded must be recorded in the official real estate records of the county in
which said property is located):
1. Payment of the necessary consideration for the estate or interest to be insured.
2. Pay all premiums, fees and charges for the policy.
3. Documents satisfactory to the Company creating the estate or interest to be insured, must be
properly executed, delivered and duly filed of record.
4. Payment of all taxes and/or assessments levied against the Land which are due, payable or
delinquent.
5. You must tell us in writing the name of anyone not referred to in this Commitment who will
get an interest in the land or who will make a loan on the land. We may have additional
requirements or exceptions.
SCHEDULE B - SECTION II
EXCEPTIONS: Schedule B of the Policy or Policies to be issued will contain exceptions to the
following matters unless the same are disposed of to the satisfaction of the Company.
1. See Schedule B - Section II Standard Exceptions.
2. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing
in the public records or attaching subsequent to the Effective Date but prior to the date the
proposed Insured acquires for value of record the estate or mortgage thereon covered by this
Commitment.
SPECIAL EXCEPTIONS:
1. REAL ESTATE EXCISE TAX PURSUANT TO THE AUTHORITY OF RCW CHAPTER 82.45 AND
SUBSEQUENT AMENDMENTS THERETO.
AS OF THE DATE HEREIN, THE TAX RATE FOR SAID PROPERTY IS 1.78%.
FOR ALL TRANSACTIONS RECORDED ON OR AFTER JULY 1, 2005:
# A FEE OF $10.00 WILL BE CHARGED ON ALL EXEMPT TRANSACTIONS;
A FEE OF $5.00 WILL BE CHARGED ON ALL TAXABLE TRANSACTIONS IN ADDITION TO
THE EXCISE TAX DUE;
TRGC Form: WA 09/28/2011
2
3,
4.
5.
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
GENERAL PROPERTY TAXES AND SERVICE CHARGES, AS FOLLOWS, TOGETHER WITH
INTEREST, PENALTY AND STATUTORY FORECLOSURE COSTS, IF ANY, AFTER DELINQUENCY:
(1ST HALF DELINQUENT ON MAY 1; 2ND HALF DELINQUENT ON NOVEMBER 1)
TAX ACCOUNT NO.: 00488800200410
YEAR BILLED PAID BALANCE
2018 $3,367.97 $0.00 $3,367.97
TOTAL AMOUNT DUE, NOT INCLUDING INTEREST AND PENALTY: $3,367.97,
LEVY CODE: 0217
ASSESSED VALUE LAND: $294,800.00
ASSESSED VALUE IMPROVEMENTS: $20,700.00
TOTAL ASSESSED VALUE: $315,500.00
(AFFECTS: SAID PREMISES, EXCEPT THE SOUTHERLY PORTION)
GENERAL PROPERTY TAXES AND SERVICE CHARGES, AS FOLLOWS, TOGETHER WITH
INTEREST, PENALTY AND STATUTORY FORECLOSURE COSTS, IF ANY, AFTER DELINQUENCY:
(1ST HALF DELINQUENT ON MAY 1; 2ND HALF DELINQUENT ON NOVEMBER 1)
TAX ACCOUNT NO.: 00488800200409
YEAR BILLED PAID BALANCE
2018 $0.00 $0.00 $0.00
TOTAL AMOUNT DUE, NOT INCLUDING INTEREST AND PENALTY: $0.00.
LEVY CODE: 0217
ASSESSED VALUE LAND: $200.00
ASSESSED VALUE IMPROVEMENTS: $0.00
TOTAL ASSESSED VALUE: $200.00
(AFFECTS: THE SOUTHERLY PORTION OF SAID PREMISES)
LIABILITY TO ASSESSMENT FOR GENERAL TAXES, SAID PROPERTY NOT BEING CARRIED ON
THE GENERAL TAX ROLLS.
(AFFECTS: THE SOUTHERLY PORTION OF SAID PREMISES)
EASEMENT AND THE TERMS AND CONDITIONS THEREOF:
GRANTEE: PACIFIC NORTHWEST TRACTION COMPANY
PURPOSE: SINGLE OR DOUBLE TRACK ELECTRIC RAILWAY
AREA AFFECTED: A PORTION OF SAID PREMISES
RECORDED: APRIL 4, 1917
RECORDING NO.: 230959
6. EASEMENT AND THE TERMS AND CONDITIONS THEREOF:
GRANTEE: PUGET SOUND POWER & LIGHT COMPANY
PURPOSE: ELECTRIC TRANSMISSION AND DISTRIBUTION LINE
AREA AFFECTED: A PORTION OF SAID PREMISES
RECORDED: JUNE 12, 1947
RECORDING NO.: 4 :99'
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
7. RIGHT OF THE PUBLIC TO MAKE NECESSARY SLOPES FOR CUTS OR FILLS UPON THE LAND
HEREIN DESCRIBED IN THE REASONABLE ORIGINAL GRADING OF STREETS, AVENUES,
ALLEYS AND ROADS, AS DEDICATED IN THE PLAT.
8. COVENANTS, CONDITIONS AND RESTRICTIONS IMPOSED BY INSTRUMENT RECORDED ON
DECEMBER 5, 1938, UNDER RECORDING NO. 637966.
THIS POLICY DOES NOT INSURE THAT THE LAND DESCRIBED IN SCHEDULE A IS BENEFITED
BY EASEMENTS, COVENANTS OR OTHER APPURTENANCES SET FORTH IN SAID INSTRUMENT
TO BENEFIT OR BURDEN REAL PROPERTY OUTSIDE THE BOUNDARIES OF SAID LAND.
NOTE: RESTRICTIONS INDICATING ANY PREFERENCE, LIMITATION OR DISCRIMINATION
BASED ON RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS OR NATIONAL
ORIGIN HAVE BEEN DELETED.
9. PLEASE BE ADVISED THAT OUR TITLE SEARCH DID NOT DISCLOSE ANY OPEN DEEDS OF
TRUST IN THE PUBLIC RECORD. IF YOU HAVE KNOWLEDGE OF ANY OUTSTANDING
OBLIGATION(S), PLEASE CONTACT THE TITLE DEPARTMENT IMMEDIATELY FOR FURTHER
REVIEW PRIOR TO CLOSING.
10. JUDGMENT:
AGAINST:
PHUONG K. VO
IN FAVOR OF:
DISCOVER BANK, NFN
AMOUNT:
$12,444.36
ENTERED:
AUGUST 10, 2010
SNOHOMISH COUNTY JUDGMENT NO.:
10-9-11035-0
SUPERIOR COURT CAUSE NO.:
10-2-06717-3
ATTORNEY FOR CREDITOR:
PETER R. OSTERMAN
IDENTITY QUESTION. THE ABOVE JUDGMENT CREATES A LIEN ON THE PREMISES ONLY IF
PHUONG VO, THE VESTED PARTY, IS THE SAME PERSON AS THE JUDGMENT DEBTOR.
TO DETERMINE THE EFFECTS OF THESE MATTERS, IF ANY, ON THE SUBJECT PROPERTY, THE
COMPANY MUST BE PROVIDED WITH A PROPERLY COMPLETED IDENTITY, AFFIDAVIT PRIOR
TO THE DATE OF RECORDING. AFTER THE COMPANY EXAMINES THE AFFIDAVIT, A
SUPPLEMENTAL REPORT WILL BE ISSUED.
11. MATTERS RELATING TO THE QUESTIONS OF SURVEY, RIGHTS OF PARTIES IN POSSESSION,
AND UNRECORDED LIEN RIGHTS FOR LABOR AND MATERIAL, IF ANY, THE DISPOSITION OF
WHICH WILL BE FURNISHED BY SUPPLEMENTAL REPORT.
NOTE 1: LIABILITY, IF ANY, FOR PERSONAL PROPERTY TAXES PURSUANT TO R.C.W. 84.56.070
WHEREIN NO CONVEYANCE CAN BE MADE WITHOUT PREPAYMENT OF SAID TAX,
INCLUDING ADVANCE TAX. ALL QUESTIONS SHOULD BE DIRECTED TO THE SNOHOMISH
COUNTY PERSONAL PROPERTY TAX DEPARTMENT AT (425) 388-3350, (425) 388-3307 OR
(425) 388-3301.
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
NOTE 2: WITHIN THE PAST 36 MONTHS, THE FOLLOWING CONVEYANCES HAVE BEEN RECORDED
IN SNOHOMISH, COUNTY, WHICH AFFECT THE PROPERTY DESCRIBED IN SCHEDULE A
HEREIN:
A. PERSONAL REPRESENTATIVE DEED, RECORDING NO. 201712QQ92Z9
NOTE 3: THE COMPANY HAS BEEN ASKED TO ISSUE SIMULTANEOUS POLICIES WITHOUT
DISCLOSURE OF THE LIABILITY AMOUNTS. THIS COMMITMENT SHALL BE EFFECTIVE
ONLY WHEN THE AMOUNTS OF THE OWNER'S AND LENDER'S POLICIES COMMITTED FOR
HAS BEEN INSERTED IN SCHEDULE A HEREOF. THE FORTHCOMING OWNER'S POLICY
MUST BE ISSUED IN AN AMOUNT AT LEAST EQUAL TO THE FULL VALUE OF THE ESTATE
INSURED IN ACCORDANCE WITH OUR RATING SCHEDULE ON FILE IN THE OFFICE OF THE
WASHINGTON STATE INSURANCE COMMISSIONER.
THE COMPANY MAY HAVE FURTHER REQUIREMENTS IF THE UNDISCLOSED AMOUNT TO
BE INSURED EXCEEDS THE CURRENT ASSESSED VALUATION.
NOTE 4: TITLE WILL BE VESTED IN PARTIES YET TO BE DISCLOSED. WHEN TITLE IS VESTED,
THEIR TITLE WILL BE SUBJECT TO MATTERS OF RECORD AGAINST THEIR NAMES.
NOTE 5: BASED ON INFORMATION PROVIDED TO THE COMPANY, ON THE DATE OF THIS
COMMITMENT IT APPEARS THAT THERE IS LOCATED ON THE LAND:
SINGLE FAMILY RESIDENCE
KNOWN AS:
23135 75TH PLACE W
EDMONDS, WA 98026
MAP
NOTE 6: IF YOU WOULD LIKE THE COMPANY TO ACT AS TRUSTEE IN THE PROPOSED DEED OF
TRUST, PLEASE NOTE THAT CW TITLE MAY ACT AS TRUSTEE OF A DEED OF TRUST
UNDER RCW 61.24.010(1).
NOTE 7: THE COMPANY REQUIRES THE PROPOSED INSURED TO VERIFY THAT THE LAND COVERED
BY THIS COMMITMENT IS THE LAND INTENDED TO BE CONVEYED IN THIS TRANSACTION.
THE DESCRIPTION OF THE LAND MAY BE INCORRECT, IF THE APPLICATION FOR TITLE
INSURANCE CONTAINED INCOMPLETE OR INACCURATE INFORMATION. NOTIFY THE
COMPANY WELL BEFORE CLOSING IF CHANGES ARE NECESSARY. CLOSING
INSTRUCTIONS MUST INDICATE THAT THE LEGAL DESCRIPTION HAS BEEN REVIEWED
AND APPROVED BY ALL PARTIES.
NOTE 8: THE FOLLOWING MAY BE USED AS AN ABBREVIATED LEGAL DESCRIPTION ON THE
DOCUMENTS TO BE RECORDED, PER AMENDED RCW 65.04. SAID ABBREVIATED LEGAL
DESCRIPTION IS NOT A SUBSTITUTE FOR A COMPLETE LEGAL DESCRIPTION WITHIN THE
BODY OF THE DOCUMENT.
PTN LT 4, BLK 2, LAKE BALLINGER LAND COS PLAT NO. 1, SNOHOMISH COUNTY
NOTE 9: IN THE EVENT THAT THE COMMITMENT JACKET IS NOT ATTACHED HERETO, ALL OF THE
TERMS, CONDITIONS AND PROVISIONS CONTAINED IN SAID JACKET ARE
INCORPORATED HEREIN. THE COMMITMENT JACKET IS AVAILABLE FOR INSPECTION AT
ANY COMPANY OFFICE.
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
NOTE 10: THE POLICY(S) OF INSURANCE MAY CONTAIN A CLAUSE PERMITTING ARBITRATION OF
CLAIMS AT THE REQUEST OF EITHER THE INSURED OR THE COMPANY. UPON REQUEST,
THE COMPANY WILL PROVIDE A COPY OF THIS CLAUSE AND THE ACCOMPANYING
ARBITRATION RULES PRIOR TO THE CLOSING OF THE TRANSACTION.
NOTE 11: PURSUANT TO MODIFIED PROVISIONS OF CHAPTER B65 OF THE FHLMC SINGLE FAMILY
SELLER/SERVICER GUIDE AND THE FNMA SERVICING GUIDE, SHORT SALE LETTERS
FROM FHLMC AND FNMA MAY PROHIBIT SUBSEQUENT RESALE FOR UP TO 90 DAYS.
PLEASE NOTIFY THE COMPANY IMMEDIATELY IF YOU RECEIVE A SHORT SALE APPROVAL
LETTER PROHIBITING SUBSEQUENT RESALE FOR UP TO 90 DAYS.
NOTE 12: A $1.00 MAILING FEE WILL BE CHARGED PER DOCUMENT RECORDED.
NOTE 13: WHEN SENDING DOCUMENTS FOR RECORDING, VIA U.S. MAIL OR SPECIAL COURIER
SERVICE, PLEASE SEND TO THE FOLLOWING ADDRESS, UNLESS SPECIFIC
ARRANGEMENTS HAVE BEEN MADE WITH YOUR TITLE UNIT:
CW TITLE
CENTRAL BUILDING
1721 HEWITT AVENUE *403
EVERETT, WA 98201
ATTN: RECORDING DEPT.
CW TITLE PRE -ADDRESSED ENVELOPES MAY STILL BE USED WHEN SENDING
DOCUMENTS VIA TDS (TITLE DELIVERY SERVICE) TO THE ADDRESS ON THE FACE OF THE
COMMITMENT COVER PAGE OR TO THE ABOVE ADDRESS.
(END OF SPECIAL EXCEPTIONS)
Investigation should be made to determine if there are any sewer treatment capacity charges or if
there are any service, installation, maintenance, or construction charges for sewer, water or
electricity.
In the event this transaction fails to close, a cancellation fee will be charged for services rendered in
accordance with our rate schedule.
Unless otherwise requested or specified herein, the forms of policy to be issued in connection with this
Commitment will be the ALTA Homeowner's Policy of Title Insurance (2-03-10), and/or the ALTA Loan
Policy (6-17-06).
If the policy to be issued is the ALTA Homeowner's Policy of Title Insurance (2-03-10), certain Covered
Risks will be subject to maximum dollar limits of liability and deductible amounts.
The Policy committed for or requested may be examined by inquiry at the office that issued the
Commitment. A specimen copy of the Policy form(s) referred to in this Commitment will be furnished
promptly upon request.
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
Disclosure of Affiliated Business. CW Title has a business relationship with several Windermere Real
Estate firms that own shares of CW Title through various entities. Several Windermere Real Estate
Firms own shares specifically through one of the parent companies of CW Title. Because of this
relationship, if you are working with a broker from a Windermere Real Estate firm, the firm may
receive a financial benefit from referring a client to CW Title. You are not required to use CW Title as a
condition to your purchase or sale of a particular property. There are other settlement service
providers available with similar services for comparable prices.
GM2
Enclosures:
Sketch / Map
Vesting Deed
All recorded matters
Identity Affidavit
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
TITLE
COMMITMENT FOR TITLE INSURANCE 4RESOURCESIssued by
Title Resources Guaranty Company
Title Resources Guaranty Company a Texas corporation ("Company"), for a valuable consideration, commits to issue its
policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, as
owner or mortgagee of the estate or interest in the land described or referred to in Schedule A, upon payment of the
premiums and charges and compliance with the Requirements; all subject to the provisions of Schedules A and B and to
the Conditions of this Commitment.
This Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or
policies committed for have been inserted in Schedule A by the Company.
All liability and obligation under this Commitment shall cease and terminate 180 days after the Effective Date or when the
policy or policies committed for shall issue, whichever first occurs, provided that the failure to issue the policy or policies is
not the fault of the Company.
The Company will provide a sample of the policy form upon request.
IN WITNESS WHEREOF, Title Resources Guaranty Company has caused its corporate name and seal to be affixed by
its duly authorized officers on the date shown in Schedule A.
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TRGC Form: WA 09/28/2011
Order No.: RC-40208764
CONDITIONS
The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument.
2. If the proposed Insured has or acquires actual knowledge of any defect, lien, encumbrance, adverse claim or
other matter affecting the estate or interest or mortgage thereon covered by this Commitment other than
those shown in Schedule B hereof, and shall fail to disclose such knowledge to the Company in writing, the
Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to
the extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall
disclose such knowledge to the Company, or if the Company otherwise acquires actual knowledge of any such
defect, lien, encumbrance, adverse claim or other matter, the Company at its option may amend Schedule B
of this Commitment accordingly, but such amendment shall not relieve the Company from liability previously
incurred pursuant to paragraph 3 of these Conditions and Stipulations.
3. Liability of the Company under this Commitment shall be only to the named proposed Insured and such
parties included under the definition of Insured in the form of policy or policies committed for and only for
actual loss incurred in reliance hereon in undertaking in good faith (a) to comply with the requirements
hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest or
mortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in
Schedule A for the policy or policies committed for and such liability is subject to the insuring provisions and
Conditions and Stipulations and the Exclusions from Coverage of the form of policy or policies committed for in
favor of the proposed Insured which are hereby incorporated by reference and are made a part of this
Commitment except as expressly modified herein.
4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a
report of the condition of title. Any action or actions or rights of action that the proposed Insured may have or
may bring against the Company arising out of the status of the title to the estate or interest or the status of
the mortgage thereon covered by this Commitment must be based on and are subject to the provisions of this
Commitment.
5. The policy to be issued contains an arbitration clause. 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 as the exclusive
remedy of the parties. You may review a copy of the arbitration rules at <http://www.alta.org/>.
TRGC Form: WA 09/28/2011
Order No.: RC-40208764
SCHEDULE B- SECTION II (CONTINUED)
STANDARD EXCEPTIONS
The matters listed below each policy form are expressly excepted from the coverage of that policy and that policy
does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise
by reason thereof.
SCHEDULE B STANDARD EXCEPTIONS
THAT WILL APPEAR IN ALTA OWNER'S and LOAN POLICY — STANDARD COVERAGE
1. Taxes or assessments which are not now payable or 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, or claiming to be in
possession, thereof.
3. Easements, liens or encumbrances, or claims thereof, which are not shown by the public records.
4. 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, and that is not shown by the Public
Records.
5. Any lien, or right to a lien, for labor, material, services or equipment, or for contributions to employee benefit
plans, or liens under Worker's Compensation Acts, not disclosed by the public records.
6. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance
thereof; (c) Indian treaty or aboriginal rights, including, but not limited to, easements or equitable servitudes;
or, (d) water rights, claims or title to water, whether or not the matters excepted under (a), (b), (c) or (d) are
shown by the public records.
7. Right of use, control or regulation by the United States of America in the exercise of powers over navigation;
any prohibition or limitation on the use, occupancy or improvement of the land resulting from the rights of the
public or riparian owners to use any waters which may cover the land or to use any portion of the land which
is now or may formerly have been covered by water.
8. Any service, installation, connection, maintenance or construction charges for sewer, water, electricity, or
garbage collection or disposal, or other utilities unless disclosed as an existing lien by the public records.
SCHEDULE B STANDARD EXCEPTIONS THAT WILL APPEAR IN
ALTA OWNER'S POLICY — EXTENDED COVERAGE
1. Taxes or assessments which are not now payable or 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. Underground easements, servitudes or installations which are not disclosed by the public records.
3. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance
thereof; (c) Indian treaty or aboriginal rights, including, but not limited to, easements or equitable servitudes;
or, (d) water rights, claims or title to water, whether or not the matters excepted under (a), (b), (c) or (d) are
shown by the public records.
4. Right of use, control or regulation by the United States of America in the exercise of powers over navigation;
any prohibition or limitation on the use, occupancy or improvement of the land resulting from the rights of the
public or riparian owners to use any waters which may cover the land or to use any portion of the land which
is now or may formerly have been covered by water.
5. Any service, installation, connection, maintenance or construction charges for sewer, water, electricity, or
garbage collection or disposal, or other utilities unless disclosed as an existing lien by the public records.
TRGC Form: WA 09/28/2011
The following are the Exclusions From Coverage contained in the form of the policy or policies as described in
Schedule A of the Commitment.
AMERICAN LAND TITLE ASSOCIATION LOAN POLICY (06-17-06)
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 that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting,
regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental
regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered
Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
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 (however, this does not modify or limit the coverage provided
under Covered Risk 11, 13, or 14); or
(e) resulting in loss or damage that 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 an Insured to comply with
applicable doing -business laws of the state where the Land is situated.
5. Invalidity or unenforceability in whole or in part of the lien of the, Insured Mortgage that 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, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the
transaction creating the lien of the Insured Mortgage, is
(a) a fraudulent conveyance or fraudulent transfer, or
(b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy.
7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching
between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not
modify or limit the coverage provided under Covered Risk 11(b).
TRGC Form: WA 09/28/2011
AMERICAN LAND TITLE ASSOCIATION OWNER'S POLICY (06-17-06)
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 that arise by reason of:
1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting,
regulating, prohibiting, or relating to
(i) the occupancy, use, or enjoyment of the Land;
(ii) the character, dimensions, or location of any improvement erected on the Land;
(iii) the subdivision of land; or
(iv) environmental protection;
or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not
modify or limit the coverage provided under Covered Risk 5.
(b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered
Risk 6.
2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8.
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 (however, this does not modify or limit the coverage provided
under Covered Risk 9 and 10); or
(e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title.
4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the
transaction vesting the Title as shown in Schedule A, is
(a) a fraudulent conveyance or fraudulent transfer; or
(b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy.
5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching
between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests
Title as shown in Schedule A.
Order No.: RC-40208764
AMERICAN LAND TITLE ASSOCIATION HOMEOWNER'S POLICY OF TITLE
INSURANCE FOR A ONE -TO -FOUR FAMILY RESIDENCE (2-03-10)
EXCLUSIONS FROM COVERAGE
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 those portions of any law or government regulation
concerning:
a. building;
b. zoning;
C. land use;
d. improvements on the Land;
e. land division; and
f. environmental protection.
This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27.
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 limit the coverage described in Covered Risk 14 or 15.
3. The right to take the Land by condemning it. This Exclusion does not limit the coverage described in Covered Risk 17.
4. Risks:
a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records;
b. that are Known to You at the Policy Date, but not to Us, unless they are recorded 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.e., 25, 26, 27
or 28.
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 21.
7, The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal
bankruptcy, state insolvency, or similar creditors' rights laws.
TRGC Form: WA 09/28/2011
TITLE
RESOURCES
Rev.10-23-2017
WHAT DOES TITLE RESOURCES GUARANTY COMPANY DO WITH
YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell
you how we collect, share, and protect your personal information. Please read this notice
carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service
you have with us. This information can include:
• Social Security number and account balances
• Payment history and credit card or other debt
• Checking account information and wire transfer instructions
When you are no longer our customer, we continue to share your information as described
in this notice.
How? All financial companies need to share customers' personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers' personal information; the reasons TITLE RESOURCES GUARANTY COMPANY
chooses to share; and whether you can limit this sharing.
Reasons we can share your Does TITLE Can you limit this
personal information RESOURCES sharing?
GUARANTY
COMPANY share?
... ............................... ...... ..........
For our everyday business purposes —
such as to process your transactions,
maintain your account(s), respond to Yes No
court orders and legal investigations, or
report to credit bureaus
For our marketing purposes — to offer our No We don't share
products and services to you
EForint marketing with other financial No We don't share
anies
For our affiliates' everyday business
purposes — information about your Yes No
transactions and experiences
For our affiliates' everyday business
purposes — information about your No We don't share
creditworthiness
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? www.titleresources com
Who we are
?
Who is providing this notice. �
TITLE RESOURCES GUARANTY COMPANY
_.
What we do
How Does TITLE RESOURCES
To protect your personal information from unauthorized access and use,
GUARANTY COMPANY protect
we use security measures that comply with federal law. These measures
my personal information?
include computer safeguards and secured files and buildings.
How does TITLE RESOURCES
We collect your personal information, for example, when you
GUARANTY COMPANY collect
my personal information?
Apply for insurance or pay insurance premiums
• Provide your mortgage information or show your driver's license
• Give us your contact information
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only
• Sharing for affiliates' everyday business purposes - information
about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to
limit sharing.
Definitions
u_ . m
Affiliates
_ .. . ....
Companies related by common ownership or control. They can be
financial and nonfinancial companies.
• Our affiliates include companies that are owned in whole or in
part by Realogy Holdings Corp., such as Better Homes and
Gardens@ Real Estate, CENTURY 21@, Coldwell Banker@,
Coldwell Banker Commercial@, the Corcoran Group@, ERA@,
Sotheby's International Realty@, ZipRealty@, NRT LLC, Cartus
and Title Resources Group.
Nonaffiliates
Companies not related by common ownership or control. They can be
financial and nonfinancial companies
• TITLE RESOURCES GUARANTY COMPANY does, not share
with nonaffiliates so they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that
together market financial products or services to you.
• TITLE RESOURCES GUARANTY COMPANY does not share
with nonaffiliated financial companies for joint marketing
purposes.
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.
AFFILIATED BUSINESS ARRANGEMENT
.DISCLOSURE STATEMENT
To: Consumer Property: 23135 75th Place W
Edmonds, WA 98026
From: CW Title and Escrow Date: March 23, 2018
Thank you for contacting CW Title and Escrow (hereinafter "Agent"). Agent is jointly owned by WTG
LLC (80% owner) and Title Resource Group Affiliates Holdings, LLC ("TRG") (20% owner). This is
to give you notice that Agent has a business relationship with Title Resources Guaranty Company,
which is a title insurance underwriting company. TRG's parent company is also the one hundred
percent owner of Title Resources Guaranty Company. Because of this relationship, this referral of
business to the underwriter below may provide Agent a financial or other benefit.
Set forth below is the estimated charge or range of charges for the underwriting services listed. You
are NOT required to use the underwriter below in connection with the provision of title services.
THERE ARE FREQUENTLY OTHER UNDERWRITERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE
FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE
BEST RATE FOR THESE SERVICES.
COMPANIES DESCRIPTION OF CHARGES ESTIMATE OF RANGE OF CHARGES
GENERALLY MADE BY PROVIDER
Title Resources Guaranty Title Insurance premium
Company Title Insurance Premium between $7.72 and $4.37 per
thousand dollars of policy
coverage.*
*This range of charges
covers, as an example,
policies from $100,000.00 to
$400,000.00, however the
cost to you will differ
depending on the policy
amount.
File No.: 40208764-808-WLI
EXHIBIT "A"
ALL OF THAT PORTION OF LOT 4, BLOCK 2, LAKE BALLINGER LAND CO'S PLAT
SUBDIVISION NO. 1, ACCORDING TO THE PLAT THEREOF RECORDED IN VOLUME 9
OF PLATS, PAGES 57 AND 58, RECORDS OF SNOHOMISH COUNTY AUDITOR,
DESCRIBED AS FOLLOWS:
BEGINNING AT THE NORTHWEST CORNER OF SAID LOT 4;
THENCE SOUTHERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A
RADIUS OF 350 FEET AND FOLLOWING THE EASTERLY MARGIN OF BRADLEY ROAD
FOR 146.20 FEET TO A POINT OF TANGENCY;
THENCE CONTINUING ALONG THE EASTERLY MARGIN OF BRADLEY ROAD, SOUTH
13022'30" EAST 247.30 FEET TO THE TRUE POINT OF BEGINNING OF THE TRACT
HEREIN DESCRIBED;
THENCE CONTINUING SOUTH 13022'30" EAST 100.44 FEET;
THENCE NORTH 82052'16" EAST 165.44 FEET, MORE OR LESS, TO THE WESTERLY
MARGIN OF THE OLD INTERURBAN RIGHT-OF-WAY;
THENCE NORTHERLY ALONG SAID RIGHT-OF-WAY 82.36 FEET TO A POINT WHICH
IS NORTH 89011'02" EAST OF THE TRUE POINT OF BEGINNING;
THENCE SOUTH 89011'02" WEST 206.42 FEET, MORE OR LESS, TO THE TRUE POINT
OF BEGINNING;
TOGETHER WITH THE FOLLOWING DESCRIBED LOT SITUATED ADJACENT
THERETO:
BEGINNING AT THE NORTHWEST CORNER OF SAID LOT 4;
THENCE SOUTHERLY ALONG THE ARC OF A CURVE TO THE RIGHT HAVING A
RADIUS OF 350 FEET AND FOLLOWING THE EASTERLY MARGIN OF BRADLEY ROAD
FOR 146.20 FEET TO A POINT OF TANGENCY OF SOUTH CURVE;
THENCE CONTINUING ALONG THE EASTERLY MARGIN OF BRADLEY ROAD, SOUTH
13022'30" EAST 347.74 FEET TO THE TRUE POINT OF BEGINNING;
THENCE NORTH 82052'16" EAST 165.44 FEET, MORE OR LESS, TO THE WESTERLY
MARGIN OF THE OLD INTERURBAN RIGHT-OF-WAY;
THENCE SOUTH 84051'48" WEST 103.21 FEET;
THENCE SOUTH 64026'46" WEST 63.87 FEET TO THE EASTERLY MARGIN OF
BRADLEY ROAD;
THENCE NORTH 16.70 FEET TO THE TRUE POINT OF BEGINNING;
SITUATE IN THE CITY OF EDMONDS, COUNTY OF SNOHOMISH, STATE OF
WASHINGTON.
THE ADDRESS FOR THE EXHIBIT "A" ABOVE IS AS FOLLOWS:
23135 75th Place W Edmonds, WA 98026
THE PROPERTY ADDRESS SHOWN ABOVE IS NOT PART OF THE LEGAL DESCRIPTION
FOR THE TITLE TO THE LAND TO BE INSURED.