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HomeMy WebLinkAbout1.04 Title Commitment - East ParcelView your transaction progress 24/7 via SureClose. Ask us about your login today! Stewart Title - Glenwood Springs - Main 1620 Grand Avenue Glenwood Springs, CO 81601 Date:March 28, 2014 File Number:01330-37872 Buyer:Colorado Division of Transportation Seller:Garfield County Commercial Investments, LLC Property:TBD TBD, Glenwood Springs, CO 81601 Please direct all Closing inquiries to: Mary L Scheurich 1620 Grand Avenue Glenwood Springs, CO 81601 Phone:(970) 945-5434 Fax:(800) 966-1709 Email Address:Mary.Scheurich@Stewart.com SELLER: Garfield County Commercial Investments, LLC Delivery Method: Emailed BUYER: Colorado Division of Transportation Delivery Method: Emailed Listing Agent: Delivery Method: Emailed Selling Agent: Delivery Method: Emailed We Appreciate Your Business and Look Forward to Serving You in the Future. Stewart Title - Glenwood Springs - Main 1620 Grand Avenue Glenwood Springs, CO 81601 (970) 945-5434 Escrow Number: 01330-37872 WIRING INSTRUCTIONS US Bank 535 Westminster Mall Westminster, CA 92683 Beneficiary: STEWART TITLE ACCOUNT #: 153910695052 Routing/Transit #: 123000848 PLEASE REFERENCE: Escrow Number:01330-37872 Escrow Officer:Mary L Scheurich Property Address:TBD TBD Glenwood Springs, CO 81601 Buyer/Borrower: Colorado Division of Transportation "Please be aware Stewart Title cannot accept ACH'S to our Escrow Account" File No.: 01330-37872 Page 1 of 1 ALTA Commitment (6/17/06) ALTA Commitment Form COMMITMENT FOR TITLE INSURANCE Issued by STEWART TITLE GUARANTY COMPANY STEWART TITLE 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 six months 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. This Commitment shall not be valid or binding until countersigned by a validating officer or authorized signatory. IN WITNESS WHEREOF, Stewart Title Guaranty Company has caused its corporate name and seal to be affixed by its duly authorized officers on the date shown in Schedule A. Countersigned by: Stewart Title - Glenwood Springs - Main 1620 Grand Avenue Glenwood Springs, CO 81601 (970) 945-5434 Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 004-UN ALTA Commitment (6/17/06) CONDITIONS 1.The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument. 2.If the proposed Insured has or acquired 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 t he 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. 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 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 hav e or may bring against the Company arising out of the status of the title to the estate or interest or the status of the mo rtgage 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/>. All notices required to be given the Company and any statement in writing required to be furnished the Company shall be addressed to it at P.O. Box 2029, Houston, Texas 77252. Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 004-UN ALTA Commitment (6/17/06) COMMITMENT FOR TITLE INSURANCE SCHEDULE A File No.: 01330-37872 1. Effective Date: March 14, 2014 at 8:00 A.M. 2. Policy or Policies to be issued: Amount of Insurance (a) A.L.T.A. Owner's Policy 2006 (Extended)T.B.D. Proposed Insured: Colorado Division of Transportation (b) A.L.T.A. Loan Policy Proposed Insured: 3. The estate or interest in the land described or referred to in this Commitment and covered herein is: Fee Simple 4. Title to the said estate or interest in said land is at the effective date hereof vested in: Garfield County Commercial Investments, LLC, a Texas limited liability company 5. The land referred to in this Commitment is described as follows: See Attached Legal Description Purported Address: TBD TBD Glenwood Springs, CO 81601 STATEMENT OF CHARGES These charges are due and payable before a policy can be issued TBD Rate TBD Fee:$100.00 Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch A STO Page 1 of 2 STEWART TITLE GUARANTY COMPANY SCHEDULE A LEGAL DESCRIPTION EAST PARCEL: A tract of land situated in the southeasterly quarter of Section 1, Township 7 South, Range 89 West, and in Section 7, Township 7 South, Range 88 West of the Sixth Principal Meridian, County of Garfield, State of Colorado, being more particularly described as follows: Beginning at a point on the westerly right of way line of Colorado State Highway 82, whence a 2 1/2" Brass Cap, found in place, and correctly marked as the southeast corner of said Section 7, bears S. 63°31'48" E. a distance of 2312.55 feet; thence, along the westerly right of way line of Colorado State Highway 82 N. 06°01'00" W. a distance of 1467.90 feet; thence, N. 08°53'00" W. a distance of 200.30 feet; N. 00°18'30" W. a distance of 201.00 feet; N. 06°01'00" W. a distance of 700.90 feet; N. 08°52'00" W. a distance of 313.00 feet; thence, 346.52 along the arc of a curve to the left having a radius of 1820.00 feet, a central angle of 10°54'32" and subtending a chord bearing of N. 15°58'00" W. a distance of 346.00 feet; thence, N. 11°08'00" W. a distance of 97.90 feet; thence, 250.29 along the arc of a curve to the left, having a radius of 1840.00 feet, a central angle of 7°47'38" and subtending a chord bearing of N. 28°19'00" W. a distance of 250.10 feet; thence, N. 35°14'00" W. a distance of 122.52 feet; thence, N. 89°17'09" W. a distance of 7.98 feet to a point on the easterly line of a parcel of land described in Reception No. 575283; thence along said easterly line S. 35°22'19" E. a distance of 1.46 feet to the southeasterly corner of said parcel; thence along the southerly line of said parcel, N. 89°17'09" W. a distance of 224.24 feet to the southwesterly corner of said parcel; thence, N. 00°00'00" W. a distance of 0.68 feet; thence, N. 89°30'08" N. a distance of 0.71 feet; thence, N. 00°20'09" E. a distance of 0.49 feet to the southeasterly corner of a parcel of land described in Reception No. 603760; thence along the southerly line of said parcel the following three courses: 1) N. 89°44'57" W. a distance of 0.99 feet; 2) N. 30°31'43" W. a distance of 65.06 feet; 3) N. 86°47'11" W. a distance of 65.63 feet to the southwesterly corner of said parcel; thence, N. 86°47'11" W. a distance of 52.73 feet; thence, N. 89°36'12" W. a distance of 292.61 feet; thence, N. 89°43'30" W. a distance of 100.90 feet to a point on the easterly right of way line of the Roaring Fork Transit Authority Transportation Corridor Easement; thence, along said easterly right of way line S. 19°38'52" E. a distance of 3829.47 feet; thence, 79.82 along the arc of a curve to the right having a radius of 2915.00 feet, a central angle of 1°34'08" and subtending a chord bearing of S. 18°51''48" E. a distance of 79.82 feet; thence, departing said easterly right of way line N. 89°59'59" E. a distance of 73.94 feet to a point of the westerly right of way line of Colorado State Highway 82, also being the point of beginning. County of Garfield, State of Colorado Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch A STO Page 2 of 2 STEWART TITLE GUARANTY COMPANY File No.: 01330-37872 The following are the requirements to be complied with: 1. 2. Payment to or for the account of the grantor(s) or mortgagor(s) of the full consideration for the estate or interest to be insured. Proper instrument(s) creating the estate or interest to be insured must be executed and duly filed for record. 3. 4. 5. 6. 7. Evidence satisfactory to Stewart Title Guaranty Company of payment of all outstanding taxes and assessments as certified by the County Treasurer. Execution of Affidavit as to Debts and Liens and its return to Stewart Title Guaranty Company. NOTE: If work has been performed on, or in connection with, the subject property (architectural drawings, soils testing, foundation work, installation of materials), please notify the Company's escrow officer within 10 days of receipt of this title commitment. THE FOLLOWING REQUIREMENT IS FOR DELETION OF SURVEY EXCEPTIONS 2 AND 3 OF THE OWNERS POLICY: A SURVEY, meeting the minimum detail standards of the ALTA/ACSM, Survey OR IMPROVEMENT LOCATION CERTIFICATE, prepared by a registered Colorado surveyor, within the last TWO MONTHS, must be presented to Stewart Title Guaranty Company, for its approval prior to the deletion of any survey exceptions from the OWNERS POLICY. Stewart Title Guaranty reserves the right to take exception to any adverse matters as shown on said survey, or make further inquiry or requirements relative thereto. Said Survey, must be certified to Stewart Title of Colorado and/or Stewart Title Guaranty Company. Relating to Garfield County Commercial Investments, LLC, The Company requires for its review the following: a) Copy of the “Articles of Organization,” the Operating Agreement and the regulations of the limited liability company and any amendments thereof b) A certificate of good standing, evidencing that the company is in good standing in the state of its formation c) Execution of Statement of Authority pursuant to the provisions of Section 38-30-172 C.R.S. Note: At the time the Company is furnished these items, the Company may make additional requirements or exceptions. Deed from vested owner(s) vesting fee simple title in the purchaser(s). NOTE: Notation of the legal address of the grantee must appear on the deed as per 1976 amendment to statute on recording of deeds CRS 38-35-109 (2). NOTE: The vesting deed is shown as follows: Warranty Deed recorded June 22, 2011 as Reception No. 804202, and Re-recorded June 22, 2011 as Reception No. 804202. NOTE: THIS IS A PRELIMINARY SEARCH COMMITMENT FOR TITLE INSURANCE SCHEDULE B PART I Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch B I Page 1 of 1 STEWART TITLE GUARANTY COMPANY File No.: 01330-37872 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. 2. 3. 4. 5. 6. 7. Rights or claims of parties in possession, not shown by the public records. Easements, or claims of easements, not shown by the public records. 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 not shown by the public records. Any lien, or right to a lien, for services, labor or material heretofore or hereafter furnished, imposed by law and not shown by the public records. 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 interest or mortgage thereon covered by this Commitment. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) Minerals of whatsoever kind, subsurface and surface substances, in, on, under and that may be produced from the Land, together with all rights, privileges, and immunities relating thereto, whether or not the matters excepted under (a), (b) or (c) are shown by the Public Records or listed in Schedule B. Water rights, claims or title to water. 8. 9. 10. 11. 12. 13. Any and all unpaid taxes and assessments and any unredeemed tax sales. The effect of inclusion in any general or specific water conservancy, fire protection, soil conservation or other district or homeowners association or inclusion in any water service or street improvement area. Reservations or exceptions contained in United States Patents, Acts authorizing the issuance thereof, recorded November 17, 1893 in Book 12 at Page 255 as Reception No. 16539, recorded June 24, 1893 in Book 12 at Page 235 as Reception No. 16010, recorded December 4, 1894 in Book 12 at Page 339 as Reception No. 11720, recorded January 15, 1896 in Book 12 at Page 394 as Reception No. 19002 and recorded January 24, 1906 in Book 56 at Page 534 as Reception No. 31514; reserving 1) Rights of the proprietor of a vein or lode to extract and remove his ore therefrom and 2) rights of way for ditches and canals constructed by the authority of the United States. Right of way granted unto the Mountain States Telephone and Telegraph Company as set forth in instruments recorded July 31, 1931 in Book 164 at Page 153 as Reception No. 110551 and in Book 164 at Page 154 as Reception No. 110552. Right of way granted to the Glenwood Springs Irrigation Company as set forth in instruments recorded June 17, 1901 in Book 44 at Page 457 as Reception No. 23960 and recorded August 27, 1945 in Book 217 at Page 150 as Reception No. 154800. Right of way granted unto Holy Cross Electric Association, Inc. as set forth in instrument recorded November 22, 1966 in Book 380 at Page 234 as Reception No. 236424. COMMITMENT FOR TITLE INSURANCE SCHEDULE B PART II Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch B II STO Page 1 of 3 STEWART TITLE GUARANTY COMPANY 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. Oil, Gas and other minerals reservations as set forth in instrument recorded December 17, 1964 in Book 362 at Page 445 as Reception No. 228037. Agreement recorded August 19, 1994 in Book 912 at Page 970 as Reception No. 467450. Easements and Rights of Way as set forth in License Grant recorded August 2, 1999 in Book 1142 at Page 979 as Reception No. 549752 and Amendment recorded November 15, 2000 in Book 1217 at Page 601 as Reception No. 572247 . Oil and Gas reservations as set forth in instrument recorded June 12, 1951 in Book 258 at Page 594 as Reception No. 176326. Easements and Rights of Way as set forth in Easement Grant recorded August 2, 1999 in Book 1142 at Page 963 as Reception No. 549751; and Amended to Easement recorded November 15, 2000 in Book 1217 at Page 588 as Reception No. 572244. Easements and Rights of Way as set forth in License Grant recorded August 2, 1999 in Book 1142 at Page 993 as Reception No. 549753 and Amendment recorded November 15, 2000 in Book 1217 at Page 596 as Reception No. 572246. Easements and Rights of Way as set forth in Grant of Easement, Open Space Easement recorded August 2, 1999 in Book 1143 at Page 1 as Reception No. 549754; and Amendment to Grant of Easement, Open Space Easement recorded November 15, 2000 in Book 1217 at Page 593 as Reception No. 572245. Grant of Irrevocable License and Fiber Optic and Communications Protection Agreement as set forth in instrument recorded December 15, 1999 in Book 1164 at Page 818 as Reception No. 556678. Grant of Conservation Easement as set forth in instrument recorded February 7, 2000 in Book 1171 at Page 929 as Reception No. 559036 and matters shown on Overall Conservation Easement Plat recorded December 24, 2008 as Reception No. 760571. Easement Agreement as set forth in instrument recorded November 15, 2000 in Book 1217 at Page 610 as Reception No. 572249. Assess Agreement recorded April 20, 2001 in Book 1247 at Page 61 as Reception No. 579635. Ditch Relocation, Operation and Maintenance Agreement as set forth in instrument recorded October 3, 2001 in Book 1292 at Page 61 as Reception No. 589535, First Supplement and Amendment recorded January 26, 2011 as Reception No. 798017. Board of County Commissioners of Garfield County, Resolution No. 2008-112 as set forth in instrument recorded October 7, 2008 as Reception No. 756914. Grant of Easement Agreement as set forth in instrument recorded December 22, 2009 as Reception No. 760451. Easement Grant recorded January 26, 2011 as Reception No. 798016. Roaring Fork Water and Sanitation District, Pre-Inclusion Agreement recorded July 25, 2012 as Reception No. 821791. Memorandum of Understanding Regarding the Intersection of State Highway 82 at the Junction of County Road 110 and County Road 113 recorded October 2, 2012 as Reception No. 824971. COMMITMENT FOR TITLE INSURANCE SCHEDULE B PART II Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch B II STO Page 2 of 3 STEWART TITLE GUARANTY COMPANY NOTE: This product is for informational purpose only. It is not a title insurance product and does not provide any form of coverage. This product is not a guarantee or assurance and does not warrant, or otherwise insure any condition, fact or circumstance. This product does not obligate this Company to issue any policies of title insurance for any subsequent transaction based on the information provided or involving the described herein. This Company’s sole liability for any error(s) relating to this product is limited to the amount this was paid for this product. NOTE: Exceptions 1 and 4 may be deleted from the policies, provided the seller and buyer execute the Company's affidavits, as required herein, and the Company approves such deletions. If work has been performed on, or in connection with, the subject property (architectural drawings, soils testing, foundation work, installation of materials), and the Company has not reviewed and approved lien waivers and indemnitor financials, Standard Exception 4 (mechanic lien exception) will not be deleted and no mechanic lien coverage will be furnished. Exceptions 2 and 3 may be deleted from the policies, provided the Company receives and approves the survey or survey affidavit if required herein. Exception 5 will not appear on the policies, provided the Company, or its authorized agent, conducts the closing of the proposed transaction and is responsible for the recordation of the documents. COMMITMENT FOR TITLE INSURANCE SCHEDULE B PART II Copyright 2006-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license from the American Land Title Association. File No. 01330-37872 CO STG ALTA Commitment Sch B II STO Page 3 of 3 STEWART TITLE GUARANTY COMPANY DISCLOSURES File No.: 01330-37872 Pursuant to C.R.S. 10-11-122, notice is hereby given that: A. B. C. THE SUBJECT REAL PROPERTY MAY BE LOCATED IN A SPECIAL TAXING DISTRICT; A CERTIFICATE OF TAXES DUE LISTING EACH TAXING JURISDICTION SHALL BE OBTAINED FROM THE COUNTY TREASURER OR THE COUNTY TREASURER’S AUTHORIZED AGENT; INFORMATION REGARDING SPECIAL DISTRICTS AND THE BOUNDARIES OF SUCH DISTRICTS MAY BE OBTAINED FROM THE BOARD OF COUNTY COMMISSIONERS, THE COUNTY CLERK AND RECORDER, OR THE COUNTY ASSESSOR Note: Colorado Division of Insurance Regulations 3-5-1, Subparagraph (7) (E) requires that “Every title entity shall be responsible for all matters which appear of record prior to the time of recording whenever the title entity conducts the closing and is responsible for recording or filing of legal documents resulting from the transaction which was closed.” Provided that Stewart Title - Glenwood Springs - Main conducts the closing of the insured transaction and is responsible for recording the legal documents from the transaction, exception number 5 will not appear on the Owner’s Title Policy and the Lender’s Title Policy when issued. Note: Affirmative Mechanic’s Lien Protection for the Owner may be available (typically by deletion of Exception No. 4 of Schedule B, Section 2 of the Commitment from the Owner’s Policy to be issued) upon compliance with the following conditions: A. B. C. D. E. The land described in Schedule A of this commitment must be a single-family residence, which includes a condominium or townhouse unit. No labor or materials have been furnished by mechanics or materialmen for purposes of construction on the land described in Schedule A of this Commitment within the past 6 months. The Company must receive an appropriate affidavit indemnifying the Company against unfiled Mechanic’s and Materialmen’s Liens. The Company must receive payment of the appropriate premium. If there has been construction, improvements or major repairs undertaken on the property to be purchased, within six months prior to the Date of the Commitment, the requirements to obtain coverage for unrecorded liens will include: disclosure of certain construction information; financial information as to the seller, the builder and/or the contractor; payment of the appropriate premium; fully executed Indemnity agreements satisfactory to the company; and, any additional requirements as may be necessary after an examination of the aforesaid information by the Company. No coverage will be given under any circumstances for labor or material for which the insured has contracted for or agreed to pay. To comply with the provisions of C.R.S. 10-11-123, the Company makes the following disclosure: a. b. That there is recorded evidence that a mineral estate has been severed, leased or otherwise conveyed from the surface estate and that there is a substantial likelihood that a third party holds some or all interest in oil, gas, other minerals, or geothermal energy in the property; and That such mineral estate may include the right to enter and use the property without the surface owner’s permission. NOTE: THIS DISCLOSURE APPLIES ONLY IF SCHEDULE B, SECTION 2 OF THE TITLE COMMITMENT HEREIN INCLUDES AN EXCEPTION FOR SEVERED MINERALS. NOTHING HEREIN CONTAINED WILL BE DEEMED TO OBLIGATE THE COMPANY TO PROVIDE ANY OF THE COVERAGES REFERRED TO HEREIN, UNLESS THE ABOVE CONDITIONS ARE FULLY SATISFIED. File No.: 01330-37872 CO Commitment Disclosure STG Privacy Notice Stewart Title Companies WHAT DO THE STEWART TITLE COMPANIES DO WITH YOUR PERSONAL INFORMATION? Federal and applicable state law and regulations give consumers the right to limit some but not all sharing. Federal and applicable state law regulations also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand how we use your personal information. This privacy notice is distributed on behalf of the Stewart Title Guaranty Company and its title affiliates (the Stewart Title Companies), pursuant to Title V of the Gramm-Leach-Bliley Act (GLBA). The types of personal information we collect and share depend on the product or service that you have sought through us. This information can include social security numbers and driver's license number. All financial companies, such as the Stewart Title Companies, need to share customers' personal information to run their everyday business—to process transactions and maintain customer accounts. In the section below, we list the reasons that we can share customers' personal information; the reasons that we choose to share; and whether you can limit this sharing. Reasons we can share your personal information.Do we share Can you limit this sharing? For our everyday business purposes— to process your transactions and maintain your account. This may include running the business and managing customer accounts, such as processing transactions, mailing, and auditing services, and responding to court orders and legal investigations. Yes No For our marketing purposes— to offer our products and services to you. Yes No For joint marketing with other financial companies No We don't share For our affiliates' everyday business purposes— information about your transactions and experiences. Affiliates are companies related by common ownership or control. They can be financial and non-financial companies. Our affiliates may include companies with a Stewart name; financial companies, such as Stewart Title Company Yes No For our affiliates' everyday business purposes— information about your creditworthiness.No We don't share For our affiliates to market to you — For your convenience, Stewart has developed a means for you to opt out from its affiliates marketing even though such mechanism is not legally required. Yes Yes, send your first and last name, the email address used in your transaction, your Stewart file number and the Stewart office location that is handling your transaction by email to optout@stewart.com or fax to 1-800-335-9591. For non-affiliates to market to you. Non-affiliates are companies not related by common ownership or control. They can be financial and non-financial companies. No We don't share We may disclose your personal information to our affiliates or to non-affiliates as permitted by law. If you request a transaction with a non-affiliate, such as a third party insurance company, we will disclose your personal information to that non-affiliate. [We do not control their subsequent use of information, and suggest you refer to their privacy notices.] SHARING PRACTICES How often do the Stewart Title Companies notify me about their practices? We must notify you about our sharing practices when you request a transaction. How do the Stewart Title Companies protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer, file, and building safeguards. How do the Stewart Title Companies collect my personal information? We collect your personal information, for example, when you ß ß request insurance-related services provide such information to us We also collect your personal information from others, such as the real estate agent or lender involved in your transaction, credit reporting agencies, affiliates or other companies. What sharing can I limit?Although federal and state law give you the right to limit sharing (e.g., opt out) in certain instances, we do not share your personal information in those instances. Contact us: If you have any questions about this privacy notice, please contact us at: Stewart Title Guaranty Company, 1980 Post Oak Blvd., Privacy Officer, Houston, Texas 77056 File No.: 01330-37872 Page 1 Revised 11-19-2013