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B21-1198 - TRACT 18148 TRACT09/24/24 GRADING PERMIT APPLICATION DEVELOPMENT SERVICES Building and Safety FOR OFFICE USE ONLY TARGET DATE: PERMIT #: SUBMITTAL DATE: HYDROLOGY:YES NO A P P L I C A N T I N F O R M A T I O N APPLICANT/COMPANY NAME ADDRESS CITY ZIP CIVIL ENGINEER/ARCHITECT ADDRESS CITY ZIP COMPANY NAME PHONE GEOTECHNICAL FIRM ADDRESS CITY ZIP PHONE LICENSE# ENGINEERING GEOLOGIST GEOTECHNICAL ENGINEER LICENSE# ADDRESS CITY ZIP PHONE CONTACT EMAIL LICENSE# RESIDENTIALCOMMERCIAL YES NO ACREAGE HYDROLOGY INCLUDED DESCRIPTION OF WORK ENCROACHMENT ITEMS YES NO TYPE RELATED OR PREVIOUS CASE NUMBER(S) BY SIGNING BELOW, I CERTIFY THE ABOVE INFORMATION TO BE TRUE AND CORRECT. SIGNATURE OF APPLICANT DATEPRINT APPLICANT NAME OWNER PROJECT ADDRESS GRID NUMBER TRACT NO.LOT NUMBER ASSESSOR'S PARCEL NO. CROSS STREETS PERMIT TYPES APPLIED FOR PRELIMINARY GRADING PERMIT PRECISE GRADING PERMIT COMPLETE AN ITEMIZED ENGINEERING COST ESTIMATE P R O J E C T I N F O R M A T I O N CONTACT PHONE LS-San Juan LLC 7525 Irvine Center Drive Suite 200 949-345-8097 Shannon Whittaker Irvine 92618 swhittaker@landseahomes.com LS-San Juan LLC 7525 Irvine Center Drive Suite 200 Irvine Shannon Whittaker 92618 949-345-8097 Tim Lawson, LGC Geotechnical 2626 Shannon Whittaker 10/18/21 TM18148 B21-1198 10/27/2111/15/21 CLTA Preliminary Report Form Order Number: NHSC-6567815 (jd) (Rev. 11/06) Page Number: 1 First American Title Update 1 First American Title Company 1250 Corona Pointe Court, Suite 200 Corona, CA 92879 Shannon Whittaker Landsea Homes 7525 Irvine Center Drive, Ste 200 Irvine, CA 92618 Customer Reference: Tirador - TTM 18148 Order Number: NHSC-6567815 (jd) Title Officer: Jesus Duran Phone: (951)256-5820 Fax No.: (714)481-9208 E-Mail: jduran@firstam.com PRELIMINARY REPORT In response to the above referenced application for a policy of title insurance, this company hereby reports that it is prepared to issue, or cause to be issued, as of the date hereof, a Policy or Policies of Title Insurance describing the land and the estate or interest therein hereinafter set forth, insuring against loss which may be sustained by reason of any defect, lien or encumbr ance not shown or referred to as an Exception below or not excluded from coverage pursuant to the printed Schedules, Conditions and Stipulations of said Policy forms. The printed Exceptions and Exclusions from the coverage and Limitations on Covered Risks of said policy or policies are set f orth in Exhibit A attached. The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than that set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insure d as the exclusive remedy of the parties. Limitations on Covered Risks applicable to the CLTA and ALTA Homeowner's Policies of Title Insurance which establish a Deductible Amount and a Maximum Dollar Limit of Liability for certain coverages are also set fort h in Exhibit A. Copies of the policy forms should be read. They are available from the office which issued this report. Please read the exceptions shown or referred to below and the exceptions and exclusions set forth in Exhibit A of this report carefully. The exceptions and exclusions are meant to provide you with notice of matters which are not covered under the terms of the title insurance policy and should be carefully considered. It is important to note that this preliminary report is not a written representation as to the condition of title and may not list all liens, defects, and encumbrances affecting title to the land. Order Number: NHSC-6567815 (jd) Page Number: 2 First American Title This report (and any supplements or amendments hereto) is issued solely for the purpose of facilitating the issuance of a pol icy of title insurance and no liability is assumed hereby. If it is desired that liability be assumed prior to the issuance of a policy of title insurance, a Binder or Commitment should be requested. Order Number: NHSC-6567815 (jd) Page Number: 3 First American Title Dated as of September 2, 2021 at 7:30 A.M. The form of Policy of title insurance contemplated by this report is: Subdivision Guarantee DRE A specific request should be made if another form or additional coverage is desired. Title to said estate or interest at the date hereof is vested in: ARROYO CAP II-1, LLC, A DELAWARE LIMITED LIABILITY COMPANY, AS TO PARCELS A AND B AND CITY OF SAN JUAN CAPISTRANO, A MUNICIPAL CORPORATION, AS TO PARCEL D The estate or interest in the land hereinafter described or referred to covered by this Report is: A fee as to Parcel(s) A, B and D, an easement as to Parcel(s) C. The Land referred to herein is described as follows: (See attached Legal Description) At the date hereof exceptions to coverage in addition to the printed Exceptions and Exclusions in said policy form would be as follows: 1. General and special taxes and assessments for the fiscal year 2021-2022, a lien not yet due or payable. 2. General and special taxes and assessments for the fiscal year 2020-2021 are exempt. Affects: Parcel D 3. The lien of special tax assessed pursuant to Chapter 2.5 commencing with Section 53311 of the California Government Code for Community Facilities District No. 2008-1, as disclosed by Notice of Special Tax Lien recorded September 22, 2008 as Instrument No. 2008000442740 of Official Records. Affects: Parcels A and B 4. The lien of supplemental taxes, if any, assessed pursuant to Chapter 3.5 commencing with Section 75 of the California Revenue and Taxation Code. The Following Matters Affect Parcel A: 5. An easement for 20' access road and incidental purposes in the document recorded as Book 4039, Page 444 of Official Records. Order Number: NHSC-6567815 (jd) Page Number: 4 First American Title 6. An easement for 2' poleline license and incidental purposes, recorded February 17, 1931 as Instrument No. 4315 in Book 462, Page 11 of Official Records. In Favor of: San Diego Gas & Electric Company Affects: as described therein 7. An easement for pipe line and incidental purposes, recorded August 17, 1938 as Book 959, Page 146 of Official Records. In Favor of: Capistrano Acres Mutual Water Company Affects: as described therein The effect of a document entitled "Quitclaim Deed", recorded April 7, 2021 as Instrument No. 2021000236966 of Official Records. 8. An easement for pipe line and incidental purposes, recorded December 21, 1966 as Book 8133, Page 8 of Official Records. In Favor of: County of Orange Affects: as described therein 9. A perpetual easement for and right of way for street, highway and incidental purposes, recorded February 22, 1983 as Instrument No. 83-079766 of Official Records. In Favor of: The City of San Juan Capistrano Affects: as described therein Note: A portion of the above easement was vacated by an instrument recorded October 17, 2008 as Instrument No. 2008000480474 of Official Records. 10. A perpetual easement and right of way for storm drain and incidental purposes, recorded February 22, 1983 as Instrument No. 83-079767 of Official Records. In Favor of: The City of San Juan Capistrano Affects: as described therein 11. Rights of the public in and to that portion of the Land lying within any Road, Street, Alley or Highway. The Following Matters Affect Parcels A and B: 12. An easement for rights of way and incidental purposes, recorded July 12, 1901 in Book 71 of Deeds, Page 49. In Favor of: Capistrano Water Company Affects: As described therein The location of the easement cannot be determined from record information. 13. An easement for channel, the right to construct, reconstruct, operate and maintain a channel and incidental purposes, recorded recorded January 21, 1938 as Book 924, Page 178 of Official Records. In Favor of: Orange County Flood Control District Affects: Parcel A Order Number: NHSC-6567815 (jd) Page Number: 5 First American Title 14. A waiver of any claims for damages by reason of the location, construction, landscaping or maintenance of a contiguous freeway, highway, roadway or transit facility as contained in the document recorded recorded July 16, 1940 as Book 1047, Page 475 of Official Records. 15. An easement for poles, wires, guys, anchorage, crossarms and incidental purposes, recorded December 28, 1946 as Book 1468, Page 219 of Official Records. In Favor of: San Diego Gas & Electric Company Affects: Parcel A The effect of a document entitled "Quitclaim of Easement", recorded December 21, 2017 as Instrument No. 2017000552512 of Official Records. 16. An easement for for flood control and incidental purposes, recorded recorded July 12, 1954 as Book 2768, Page 564 of Official Records. In Favor of: Orange County Flood Control District Affects: Parcel A 17. An easement for for pole lines and incidental purposes, recorded January 7, 1957 as Book 3762, Page 58 of Official Records. In Favor of: San Diego Gas & Electric Company Affects: Parcel B The effect of a document entitled "Quitclaim of Easement", recorded December 21, 2017 as Instrument No. 2017000552512 of Official Records. 18. Abutter's rights of ingress and egress to or from freeway have been relinquished in the document recorded March 29, 1957 as Book 3854, Page 39 of Official Records. 19. A reservation, affecting Parcel A, by the State of California in deed recorded March 23, 1964 in Book 6973, Page 55 of Official Records, which recites: Excepting and reserving unto the State of California, any and all rights of ingress to or egress from the land herein conveyed, over and across the Westerly lines thereof. It is the purposes of the foregoing exception and reservation to provide that no easement of access shall attach or be appurtenant to the property hereby conveyed, by reason of the fact that the same abuts upon a state highway. 20. An easement for for a sewer pipe line and incidental purposes, recorded August 11, 1965 as Book 7626, Page 831 of Official Records. In Favor of: The City of San Juan Capistrano Affects: Parcel B 21. A waiver of any claims for damages by reason of the location, construction, landscaping or maintenance of a contiguous freeway, highway, roadway or transit facility as contained in the document recorded recorded April 10, 1967 in Book 8220, Page 658 of Official Records. Order Number: NHSC-6567815 (jd) Page Number: 6 First American Title 22. An easement for for water pipe line and incidental purposes, recorded recorded February 11, 1969 as Book 8870, Page 894 of Official Records. In Favor of: Orange County Water District No. 4 Affects: Parcel A 23. Abutter's rights of ingress and egress to or from freeway have been relinquished in the document recorded September 17, 1974 as Book 11244, Page 1165 of Official Records. 24. An easement for for sewers and incidental purposes, recorded September 17, 1974 as Book 11244, Page 1165 of Official Records. In Favor of: The State of California Affects: Parcel A 25. A perpetual easement and right of way for sanitary sewer and incidental purposes, recorded February 22, 1983 as Instrument No. 83-079765 of Official Records. In Favor of: The City of San Juan Capistrano Affects: Parcel A Note: A portion of the easement above was quitclaimed by an instrument recorded October 28, as Instrument No. 2003001324145 of Official Records. 26. A perpetual easement and right of way for parkland and incidental purposes, recorded February 22, 1983 as Instrument No. 83-079768 of Official Records. In Favor of: The City of San Juan Capistrano Affects: As described therein 27. The fact that the land lies within the boundaries of the San Juan Capistrano Central Redevelopment Project Area Redevelopment Project Area, as disclosed by the document recorded recorded July 13, 1983 as Instrument No. 83-301250 of Official Records. 28. An easement for storm drain and incidental purposes and incidental purposes, recorded August 12, 1986 as Instrument No. 86-357929 of Official Records. In Favor of: The City of San Juan Capistrano Affects: Parcel B 29. An easement for access, storm drain maintenance and incidental purposes, recorded August 12, 1986 as Instrument No. 86-357930 of Official Records. In Favor of: The City of San Juan Capistrano Affects: Parcel B 30. An easement for water transmission and incidental purposes, recorded May 8, 1995 as Instrument No. 95-0196400 of Official Records. In Favor of: Capistrano Valley Water District, a public corporation Affects: Parcel A A document entitled "Quitclaim of Temporary Construction Easement Parcel "B" of Document No. 95- 0196400" recorded October 28, 2003 as Instrument No. 2003001324143 of Official Records. Order Number: NHSC-6567815 (jd) Page Number: 7 First American Title 31. An easement for sanitary sewer and incidental purposes, recorded May 9, 1995 as Instrument No. 95-0198568 of Official Records. In Favor of: City of San Juan Capistrano Affects: Parcel A 32. An easement for water pipelines and incidental purposes, recorded October 28, 2003 as Instrument No. 2003001324146 of Official Records. In Favor of: City of San Juan Capistrano, a public corporation Affects: Parcel A 33. An easement for underground electric facilities and appurtenances for the transmission and distribution of electricity, underground communication facilities and appurtenances, together with the right of ingress and egress and incidental purposes, recorded July 23, 2004 as Instrument No. 2004000668197 of Official Records. In Favor of: San Diego Gas & Electric Company, a corporation Affects: as described therein 34. Easements, Covenants and Conditions contained in the deed from Capistrano Acres Mutual Water Company, a California corporation, as Grantor, to Ortega Land Company LLC, a California limited liability company, as Grantee, recorded May 4, 2006 as Instrument No Instrument No. 2006000303186 of Official Records. Reference being made to the document for full particulars, but deleting any covenant, condition, or restriction, if any, indicating a preference, limitation, or discrimination based on race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, familial status, marital status, disability, handicap, veteran or military status, genetic information, national origin, source of income as defined in subdivision (p) of Section 12955, or ancestry, to the extent that such covenants, conditions or restrictions violate applicable state or federal laws. Lawful restrictions under state and federal law on the age of occupants in senior housing or housing for older persons shall not be construed as restrictions based on familial status. The effect of a document entitled "Quitclaim Deed", recorded April 7, 2021 as Instrument No. 2021000236966 of Official Records. 35. The terms and provisions contained in the document entitled "Grant Deed" recorded December 1, 2006 as Instrument No. 2006000808893 of Official Records. 36. The effect of a map purporting to show the land and other property, filed Book 224, Page 33 of Record of Surveys. 37. The Terms, Provisions and Easement(s) contained in the document entitled "Access Easement Agreement" recorded March 3, 2009 as Instrument No. 2009000099648 of Official Records. 38. Terms and provisions of an unrecorded lease dated July 24, 2014, by and between SAN JUAN TIRADOR, LLC, a Delaware limited liability company as lessor and 24 HOUR FITNESS USA, INC., a California corporation as lessee, as disclosed by a MEMORANDUM OF LEASE recorded September 15, 2014 as Instrument No. 2014000371698 of Official Records. Defects, liens, encumbrances or other matters affecting the leasehold estate, whether or not shown by the public records are not shown herein. 39. Intentionally Deleted Order Number: NHSC-6567815 (jd) Page Number: 8 First American Title The terms and provisions contained in the document entitled "Subordination, Non-Disturbance and Attornment Agreement" recorded April 22, 2015 as Instrument No. 2015000203956 of Official Records. 40. An option in favor of LS-San Juan LLC, a Delaware limited liability company as contained in or disclosed by a document recorded April 8, 2021 as Instrument No. 2021000240483 of Official Records. 41. Any easements and/or servitudes affecting easement parcel(s) C herein described. 42. Any claim that the Title is subject to a trust or lien created under The Perishable Agricultural Commodities Act, 1930 (7 U.S.C. §§499a, et seq.) or the Packers and Stockyards Act (7 U.S.C. §§181 et seq.) or under similar state laws. Consideration for the deletion of this exception is highly fact intensive. Please contact the underwriter assigned to your file as soon as possible to discuss. 43. Any claim that any portion of the land is below the ordinary high water mark where it was located prior to any artificial or avulsive changes in the location of the shoreline or riverbank. 44. Any rights, interests, or easements in favor of the public, which exist or are claimed to exist over any portion of said land covered by water, including a public right of access to the water. 45. Any claim that any portion of the land is or was formerly tidelands or submerged lands. The Following Matters Affect Parcel D: 46. An easement for rights of way and incidental purposes, recorded July 12, 1901 in Book 71 of Deeds, Page 49. In Favor of: Capistrano Water Company Affects: As described therein 47. The effect of a deed to construct, reconstruct, operate and maintain a channel over and across a portion of said land to Orange County Flood Control District, recorded January 21, 1938 in Book 924, Page 178, Official Records. The owners of the above described land did not join in the execution of said deed. 48. The provision that said land shall be used for the purpose of a freeway as contained in the deed from Carl L. Stroschein and others to State of California recorded February 15, 1955 in Book 2959, Page 307 of Official Records. 49. An easement for pole lines and incidental purposes, recorded February 15, 1957 in Book 3807, Page 129 of Official Records. In Favor of: San Diego Gas and Electric Company Affects: As described therein Order Number: NHSC-6567815 (jd) Page Number: 9 First American Title 50. An easement for a perpetual easement and right of way for Parkland and incidental purposes, recorded February 22, 1983 as Instrument No. 83-79768 of Official Records. In Favor of: City of San Juan Capistrano Affects: As described therein 51. Any facts, rights, interests or claims that may exist or arise by reason of matters, if any, disclosed by that certain Record of Survey filed in Book100, Page 46. 52. The terms and provisions contained in the document entitled Resolution recorded November 15, 2002 as Instrument No. 02-1029020 of Official Records. 53. The terms and provisions contained in the document entitled Resolution recorded November 15, 2002 as Instrument No. 02-1029024 of Official Records. 54. An easement for (1) Underground electric facilities, and appurtenances for the transmission and distribution of electricity, (2) Underground communication facilities, and appurtenances, together with the right of ingress thereto and egress therefrom and incidental purposes, recorded July 23, 2004 as Instrument No. 04-668197 of Official Records. In Favor of: San Diego Gas and Electric Company, a Corporation Affects: As described therein 55. The lack of a right of access to and from the land. The Following Matters Affect All Parcels: 56. The terms and provisions contained in the document entitled "Momorandum of School Facilities Mitigation Agreement" recorded May 4, 2021 as Instrument No. 2021000298980 of Official Records. 57. Water rights, claims or title to water, whether or not shown by the Public Records. 58. Rights of parties in possession. Order Number: NHSC-6567815 (jd) Page Number: 10 First American Title INFORMATIONAL NOTES Note: The policy to be issued may contain an arbitration clause. When the Amount of Insurance is less than the certain dollar amount set forth in any applicable arbitration clause, all arbitrable matters shall be arbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties. If you desire to review the terms of the policy, including any arbitration clause that may be included, contact the office that issued this Commitment or Report to obtain a sample of the policy jacket for the policy that is to be issued in connection with your transaction. 1. No known matters otherwise appropriate to be shown have been deleted from this report, which is not a policy of title insurance but a report to facilitate the issuance of a policy of title insurance. For purposes of policy issuance, items NONE may be eliminated on the basis of an indemnity agreement or other agreement satisfactory to the Company as insurer. 2. General and special taxes and assessments for the fiscal year 2020-2021. First Installment: $73,028.52, PAID Penalty: $0.00 Second Installment: $73,028.52, PAID Penalty: $0.00 Tax Rate Area: 23-012 A. P. No.: 666-131-32 Affects: Parcel A 3. General and special taxes and assessments for the fiscal year 2020-2021. First Installment: $1,053.70, PAID Penalty: $0.00 Second Installment: $1,053.70, PAID Penalty: $0.00 Tax Rate Area: 23-012 A. P. No.: 666-131-07 Affects: Portion of Parcel B 4. General and special taxes and assessments for the fiscal year 2020-2021. First Installment: $4,083.26, PAID Penalty: $0.00 Second Installment: $4,083.26, PAID Penalty: $0.00 Tax Rate Area: 23-012 A. P. No.: 666-131-13 Affects: Portion of Parcel B 5. General and special taxes and assessments for the fiscal year 2020-2021. Order Number: NHSC-6567815 (jd) Page Number: 11 First American Title First Installment: $213.31, PAID Penalty: $0.00 Second Installment: $213.31, PAID Penalty: $0.00 Tax Rate Area: 23-012 A. P. No.: 666-131-14 Affects: Portion of Parcel B The map attached, if any, may or may not be a survey of the land depicted hereon. First American expressly disclaims any liability for loss or damage which may result from reliance on this map except to the extent coverage for such loss or damage is expressly provided by the terms and provisions of the title insurance policy, if any, to which this map is attached. Order Number: NHSC-6567815 (jd) Page Number: 12 First American Title First American Title Company 1250 Corona Pointe Court, Suite 200 Corona, CA 92879 (951)256-5880 Fax - (909)476-2401 WIRE INSTRUCTIONS for First American Title Company, Demand/Draft Sub-Escrow Deposits Riverside County, California First American Trust, FSB 5 First American Way Santa Ana, CA 92707 Banking Services: (877) 600-9473 ABA 122241255 Credit to First American Title Company Account No. 3097840000 Reference Title Order Number 6567815 and Title Officer Jesus Duran Please wire the day before recording. Order Number: NHSC-6567815 (jd) Page Number: 13 First American Title LEGAL DESCRIPTION Real property in the City of San Juan Capistrano, County of Orange, State of California, described as follows: PARCEL A: (APN: 666-131-32) PARCEL 1 AS SHOWN ON EXHIBIT A ATTACHED TO LOT LINE ADJUSTMENT LLA 14-003 RECORDED DECEMBER 21, 2016 AS INSTRUMENT NO. 2016000649365 OF OFFICIAL RECORDS OF ORANGE COUNTY, CALIFORNIA. EXCEPT FROM THAT PORTION OF SAID LAND DESCRIBED IN THE DEED RECORDED FEBRUARY 15, 1955, IN BOOK 2959, PAGE 307 OF OFFICIAL RECORDS, ALL OIL, OIL RIGHTS, MINERALS, MINERAL RIGHTS, NATURAL GAS, NATURAL GAS RIGHTS, AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN, THAT MAY BE WITHIN OR UNDER THE PARCEL OF LAND HEREINABOVE DESCRIBED, TOGETHER WITH THE PERPETUAL RIGHT OF DRILLING, MINING, EXPLORING AND OPERATING THEREFOR, AND REMOVING THE SAME FROM SAID LAND OR ANY OTHER LAND, INCLUDING THE RIGHT TO WHIPSTOCK OR DIRECTIONALLY DRILL AND MINE FROM LAND OTHER THAN THOSE HEREINABOVE DESCRIBED, OIL OR GAS WELLS, TUNNELS AND SHAFTS INTO, THROUGH OR ACROSS THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED, AND TO BOTTOM SUCH WHIPSTOCKED OR DIRECTIONALLY DRILLED WELLS, TUNNELS AND SHAFTS UNDER AND BENEATH OR BEYOND THE EXTERIOR LIMITS THEREOF, AND TO REDRILL, RETUNNEL, EQUIP, MAINTAIN, REPAIR, DEEPEN AND OPERATE ANY SUCH WELLS OR MINES, WITHOUT, HOWEVER, THE RIGHT TO DRILL, MINE, EXPLORE AND OPERATE THROUGH THE SURFACE OR THE UPPER 100 FEET OF THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED, OR OTHERWISE IN SUCH MANNER AS TO ENDANGER THE SAFETY OF ANY HIGHWAY THAT MAY BE CONSTRUCTED ON SAID LAND, AS RESERVED IN DEED FROM CARL L. STROSCHEIN AND OTHERS, RECORDED FEBRUARY 15, 1955, IN BOOK 2959, PAGE 307 OF OFFICIAL RECORDS. ALSO EXCEPT ALL MINERALS, OILS, GASES AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN, NOT OTHERWISE RESERVED, THAT MAY BE WITHIN OR UNDER THE PARCEL OF LAND HEREINABOVE DESCRIBED, WITHOUT, HOWEVER, THE RIGHT TO DRILL, DIG OR MINE THROUGH THE SURFACE OR THE UPPER 500 FEET THEREOF, AS RESERVED IN THE DEED FROM THE STATE OF CALIFORNIA, RECORDED IN BOOK 11244, PAGE 1165 OF OFFICIAL RECORDS. ALSO EXCEPT ALL OIL, OIL RIGHTS, MINERAL RIGHTS, NATURAL GAS, NATURAL GAS RIGHTS, AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN THAT MAY BE WITHIN OR UNDER THE PARCEL OF LAND HEREIN-ABOVE DESCRIBED, TOGETHER WITH THE PERPETUAL RIGHT OF DRILLING, MINING, EXPLORING AND OPERATING THEREFOR, AND REMOVING THE SAME FROM SAID LAND OR ANY OTHER LAND, INCLUDING THE RIGHT TO WHIPSTOCK OR DIRECTIONALLY DRILL AND MINE FROM LANDS OTHER THAN THOSE HEREINABOVE DESCRIBED, OIL OR GAS WELLS, TUNNELS AND SHAFTS INTO, THROUGH OR ACROSS THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED, AND TO BOTTOM SUCH WHIPSTOCKED OR DIRECTIONALLY DRILLED WELLS, TUNNELS AND SHAFTS UNDER AND BENEATH OR BEYOND THE EXTERIOR LIMITS THEREOF, AND TO REDRILL, RETUNNEL, EQUIP, MAINTAIN, REPAIR, DEEPEN AND OPERATE ANY SUCH WELLS OR MINES, WITHOUT, HOWEVER, THE RIGHT TO DRILL, MINE, STORE, EXPLORE AND OPERATE THROUGH THE SURFACE OR THE UPPER 100 FEET OF THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED, OR OTHERWISE IN SUCH MANNER AS TO ENDANGER THE SAFETY OF ANY HIGHWAY THAT MAY BE CONSTRUCTED ON SAID LANDS, RECORDED IN BOOK 4110, PAGE 524 OF OFFICIAL RECORDS. PARCEL B: (APN’S: 666-131-07, 666-131-13 AND 666-131-14) Order Number: NHSC-6567815 (jd) Page Number: 14 First American Title BEGINNING AT THE NORTHEAST CORNER OF LOT 32 OF TRACT NO. 103, AS SHOWN ON A MAP RECORDED IN BOOK 11, PAGES 29, 30, 31, 32 AND 33 OF MISCELLANEOUS MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA; RUNNING THENCE NORTH 0° 29’ WEST 237.46 FEET; THENCE NORTH 89° 30’ WEST 183.46 FEET; THENCE SOUTH 0° 29’ EAST 237.46 FEET; THENCE SOUTH 89° 30’ EAST 183.46 FEET TO THE POINT OF BEGINNING. EXCEPTING THEREFROM ANY PORTION INCLUDED WITHIN THE FOLLOWING: BEGINNING AT THE POINT OF INTERSECTION OF THE SOUTH LINE OF SECTION 6, TOWNSHIP 8 SOUTH, RANGE 7 WEST, SAN BERNARDINO BASE & MERIDIAN, WITH THE SOUTHEASTERLY LINE OF MISSION TRACT NO. 5, WHICH POINT IS DISTANT SOUTH 89° 30’ EAST 279.13 FEET FROM THE SOUTHWEST CORNER OF THE ABOVE MENTIONED SECTION 6; RUNNING THENCE NORTH 39° 57’ EAST 9.07 FEET ALONG THE SOUTHEASTERLY LINE OF SAID MISSION TRACT NO. 5; THENCE LEAVING THE EAST LINE OF MISSION TRACT NO. 5 AND RUNNING SOUTH 89° 03’ EAST 895.12 FEET TO A LARGE WILLOW TREE ON THE SOUTH LINE OF THE ABOVE MENTIONED SECTION 6; THENCE NORTH 89° 30’ WEST 900.85 FEET ALONG THE SOUTH LINE OF SAID SECTION 6, TO THE POINT OF BEGINNING. PARCEL C: A NON-EXCLUSIVE EASEMENT FOR THE PURPOSE OF VEHICULAR AND PEDESTRIAN ACCESS, AND INGRESS AND EGRESS AS DESCRIBED IN THE DOCUMENT ENTITLED "ACCESS EASEMENT AGREEMENT" RECORDED ON MARCH 3, 2009 AS INSTRUMENT NO. 2009000099648 OF OFFICIAL RECORDS. PARCEL D: (APN: 666-131-08) THAT PORTION OF LOT 31 OF TRACT NO. 103, AS SHOWN ON A MAP RECORDED IN BOOK 11, PAGES 29 TO 33 INCLUSIVE, OF MISCELLANEOUS MAPS, RECORDS OF ORANGE COUNTY, CALIFORNIA, DESCRIBED AS FOLLOWS: BEGINNING AT THE MOST EASTERLY CORNER OF SAID LOT; THENCE NORTH 88° 17' 41" WEST, ALONG THE NORTHERLY LINE OF SAID LOT, A DISTANCE OF 254 FEET; THENCE SOUTH 1° 42' 19" WEST, A DISTANCE OF 291.41 FEET TO THE SOUTHERLY LINE OF THE LAND CONVEYED TO FRED W. STROSCHEIN AND OTHERS, BY DEED RECORDED MARCH 26, 1947 IN BOOK 1492, PAGE 234 , OF OFFICIAL RECORDS; THENCE SOUTH 88° 17' 41" EAST, ALONG SAID SOUTHERLY LINE, A DISTANCE OF 21.58 FEET TO THE SOUTHEASTERLY LINE OF SAID LOT 31; THENCE NORTH 40° 16' 49" EAST, ALONG SAID SOUTHEASTERLY LINE, A DISTANCE OF 372.75 FEET TO THE POINT OF BEGINNING. EXCEPTING THEREFROM ALL OIL, OIL RIGHTS, MINERALS, MINERAL RIGHTS, NATURAL GAS, NATURAL GAS RIGHTS, AND OTHER HYDROCARBONS BY WHATSOEVER NAME KNOWN THAT MAY BE WITHIN OR UNDER THE PARCEL OF LAND HEREINABOVE DESCRIBED, TOGETHER WITH THE PERPETUAL RIGHT OF DRILLING, MINING, EXPLORING, AND OPERATING THEREFOR, AND REMOVING THE SAME FROM SAID LAND OR ANY OTHER LAND, INCLUDING THE RIGHT TO WHIPSTOCK OR DIRECTIONALLY DRILL AND MINE FROM LANDS OTHER THAN THOSE HEREINABOVE DESCRIBED, OIL OR GAS WELLS, TUNNELS AND SHAFTS INTO THROUGH OR ACROSS THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED AND TO BOTTOM SUCH WHIPSTOCKED OR DIRECTIONALLY DRILLED WELLS, TUNNELS AND SHAFTS UNDER AND BENEATH OR BEYOND THE EXTERIOR LIMITS THEREOF, AND TO REDRILL RETUNNEL, EQUIP, MAINTAIN, REPAIR DEEPEN AND OPERATE ANY SUCH WELLS OR MINES, WITHOUT, HOWEVER, THE RIGHT TO DRILL, MINE, STORE EXPLORE AND OPERATE THROUGH THE SURFACE OR THE UPPER 100 FEET OF THE SUBSURFACE OF THE LAND HEREINABOVE DESCRIBED OR OTHERWISE IN SUCH MANNER AS TO ENDANGER THE SAFETY OF ANY HIGHWAY THAT MAY BE CONSTRUCTED ON SAID LAND, AS RESERVED IN THE DEED FROM CARL L. STROSCHEIN AND OTHERS RECORDED FEBRUARY 15, 1955 IN BOOK 2959, PAGE 307 OF OFFICIAL RECORDS. Order Number: NHSC-6567815 (jd) Page Number: 15 First American Title Order Number: NHSC-6567815 (jd) Page Number: 16 First American Title NOTICE Section 12413.1 of the California Insurance Code, effective January 1, 1990, requires that any title insurance company, underwritten title company, or controlled escrow company handling funds in an escrow or sub- escrow capacity, wait a specified number of days after depositing funds, before recording any documents in connection with the transaction or disbursing funds. This statute allows for funds deposited by wire trans fer to be disbursed the same day as deposit. In the case of cashier's checks or certified checks, funds may be disbursed the next day after deposit. In order to avoid unnecessary delays of three to seven days, or more, please use wire transfer, cashier's checks, or certified checks whenever possible. Order Number: NHSC-6567815 (jd) Page Number: 17 First American Title EXHIBIT A LIST OF PRINTED EXCEPTIONS AND EXCLUSIONS (BY POLICY TYPE) CLTA STANDARD COVERAGE POLICY – 1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulatio ns) restricting, regulating, prohibiting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimens ions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purch aser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evi denced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the tr ansaction creating the interest of the insured lender, by reason of the operation of federa l bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which ar ise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assess ments 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 inspec tion of the land or which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) wate r rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6. Any lien or right to a lien for services, labor or material unless such lien is shown by the public records at Date of Policy . Order Number: NHSC-6567815 (jd) Page Number: 18 First American Title CLTA/ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of 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 Dat e; 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. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner's Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Your Deductible Amount Our Maximum Dollar Limit of Liability Covered Risk 16: 1% of Policy Amount Shown in Schedule A or $2,500 $10,000 (whichever is less) Covered Risk 18: 1% of Policy Amount Shown in Schedule A or $5,000 $25,000 (whichever is less) Covered Risk 19: 1% of Policy Amount Shown in Schedule A or $5,000 $25,000 (whichever is less) Covered Risk 21: 1% of Policy Amount Shown in Schedule A or $2,500 $5,000 (whichever is less) 2006 ALTA 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, reg ulating, 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; Order Number: NHSC-6567815 (jd) Page Number: 19 First American Title (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 R isk 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 Cov ered 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 applica ble 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 evi denced 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 tr ansaction 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 b etween 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). The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage : EXCEPTIONS FROM COVERAGE [Except as provided in Schedule B - Part II,[ t[or T]his policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that arise by reason of: [PART I [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage : 1. (a) Taxes or assessments that 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; (b) proceedings by a public agency that 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 that are not shown by the Public Records but that could be ascertained by an inspecti on of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by a n accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) wate r rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material unless such lien is shown by the Public Records at Date of Policy . PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:] 2006 ALTA 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 Order Number: NHSC-6567815 (jd) Page Number: 20 First American Title (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 9 or 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. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys' fees or expenses, that ari se by reason of: [The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclus ions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Cove rage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or ass essments on real property or by the Public Records; (b) proceedings by a public agency that 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 that are not shown by the Public Records but that could be ascertained by an inspecti on of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, 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 not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) wate r rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material unless such lien is shown by the Public Records at Date of Policy . 7. [Variable exceptions such as taxes, easements, CC&R's, etc. shown here.] ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY (07-26-10) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, c osts, 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, proh ibiting, 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, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6 , 13(c), 13(d), First American Title 14 or 16. 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 Cov ered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); 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 applica ble 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 evi denced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or mo difications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this po licy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25. 8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6. 9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors' rights laws, that the transaction creating th e 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 27(b) of this policy. 10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. Privacy Notice Effective: October 1, 2019 Notice Last Updated: January 1, 2021 This Privacy Notice describes how First American Financial Corporation and its subsidiaries and affiliates (together referred to as “First American,” “we,” “us,” or “our”) collect, use, store, and share your information. This Privacy Notice applies to information we receive from you offline only, as well as from third parties, when you interact with us and/or use and access our services and products (“Products”). For more information about our privacy practices, including our online practices, please visit https://www.firstam.com/privacy-policy/. The practices described in this Privacy Notice are subject to applicable laws in the places in which we operate. What Type Of Information Do We Collect About You? We collect a variety of categories of information about you. To learn more about the categories of information we collect, please visit https://www.firstam.com/privacy-policy/. How Do We Collect Your Information? We collect your information: (1) directly from you; (2) automatically when you interact with us; and (3) from third parties, including business parties and affiliates. How Do We Use Your Information? We may use your information in a variety of ways, including but not limited to providing the services you have requested, fulfilling your transactions, comply with relevant laws and our policies, and handling a claim. To learn more about how we may use your information, please visit https://www.firstam.com/privacy- policy/. How Do We Share Your Information? We do not sell your personal information. We only share your information, including to subsidiaries, affiliates, and to unaffiliated third parties: (1) with your consent; (2) in a business transfer; (3) to service providers; and (4) for legal process and protection. To learn more about how we share your information, please visit https://www.firstam.com/privacy-policy/. How Do We Store and Protect Your Information? The security of your information is important to us. That is why we take commercially reasonable steps to make sure your information is protected. We use our best efforts to maintain commercially reasonable technical, organizational, and physical safeguards, consistent with applicable law, to protect your information. How Long Do We Keep Your Information? We keep your information for as long as necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. Your Choices We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and sharing of your information. You can learn more about your choices by visiting https://www.firstam.com/privacy- policy/. International Jurisdictions: Our Products are offered in the United States of America (US), and are subject to US federal, state, and local law. If you are accessing the Products from another country, please be advised that you may be transferring your information to us in the US, and you consent to that transfer and use of your information in accordance with this Privacy Notice. You also agree to abide by the applicable laws of applicable US federal, state, and local laws concerning your use of the Products, and your agreements with us. We may change this Privacy Notice from time to time. Any and all changes to this Privacy Notice will be reflected on this page, and where appropriate provided in person or by another electronic method. YOUR CONTINUED USE, ACCESS, OR INTERACTION WITH OUR PRODUCTS OR YOUR CONTINUED COMMUNICATIONS WITH US AFTER THIS NOTICE HAS BEEN PROVIDED TO YOU WILL REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS PRIVACY NOTICE. Contact Us dataprivacy@firstam.com or toll free at 1-866-718-0097. © 2020 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE:FAF Form 10-PRIVACY20 (12-18-20) Page 1 of 2 Privacy Notice (2020 First American Financial Corporation) English For California Residents If you are a California resident, you may have certain rights under California law, including but not limited to the California Consumer Privacy Act of 2018 (“CCPA”). All phrases used in this section shall have the same meaning as those phrases are used under California law, including the CCPA. Right to Know. You have a right to request that we disclose the following information to you: (1) the categories of personal information we have collected about or from you; (2) the categories of sources from which the personal information was collected; (3) the business or commercial purpose for such collection and/or disclosure; (4) the categories of third parties with whom we have shared your personal information; and (5) the specific pieces of your personal information we have collected. To submit a verified request for this information, go to our online privacy policy at www.firstam.com/privacy-policy to submit your request or call toll-free at 1-866-718-0097. You may also designate an authorized agent to submit a request on your behalf by going to our online privacy policy at www.firstam.com/privacy-policy to submit your request or by calling toll-free at 1-866-718-0097. Right of Deletion. You also have a right to request that we delete the personal information we have collected from and about you. This right is subject to certain exceptions available under the CCPA and other applicable law. To submit a verified request for deletion, go to our online privacy policy at www.firstam.com/privacy-policy to submit your request or call toll-free at 1-866-718-0097. You may also designate an authorized agent to submit a request on your behalf by going to our online privacy policy at www.firstam.com/privacy-policy to submit your request or by calling toll-free at 1-866-718- 0097. Verification Process. For either a request to know or delete, we will verify your identity before responding to your request. To verify your identity, we will generally match the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the information requested, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury. Notice of Sale. We do not sell California resident information, nor have we sold California resident information in the past 12 months. We have no actual knowledge of selling the information of minors under the age of 16. Right of Non-Discrimination. You have a right to exercise your rights under California law, including under the CCPA, without suffering discrimination. Accordingly, First American will not discriminate against you in any way if you choose to exercise your rights under the CCPA. Notice of Collection. To learn more about the categories of personal information we have collected about California residents over the last 12 months, please see “What Information Do We Collect About You” in https://www.firstam.com/privacy-policy. To learn about the sources from which we have collected that information, the business and commercial purpose for its collection, and the categories of third parties with whom we have shared that information, please see “How Do We Collect Your Information”, “How Do We Use Your Information”, and “How Do We Share Your Information” in https://www.firstam.com/privacy-policy. Notice of Sale. We have not sold the personal information of California residents in the past 12 months. Notice of Disclosure. To learn more about the categories of personal information we may have disclosed about California residents in the past 12 months, please see “How Do We Use Your Information” and “How Do We Share Your Information” in https://www.firstam.com/privacy-policy. © 2020 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE:FAF Form 10-PRIVACY20 (12-18-20) Page 2 of 2 Privacy Notice (2020 First American Financial Corporation) English Engineers Surveyors March 21, 2022 City Engineer City of San Juan Capistrano 32400 Paseo Adelanto San Juan Capistrano, California 92675 Subject: Rough Grading Certification for Tract 18148, Lot 1 “Petra”, Units 35 and 36, (Permit# B21-1198). Dear Sir: Rough Grading operations have been completed for Tract 18148, Lot 1 “Petra”, Units 35 and 36 and has been inspected by the undersigned Professional Land Surveyor. All grading of pads was completed in substantial conformance with the Precise Grading Plan approved by the City Engineer and no unauthorized deviations were made. Engineers Surveyors December 19, 2022 City Engineer City of San Juan Capistrano 32400 Paseo Adelanto San Juan Capistrano, California 92675 Subject: Final Grade Certification Tract 18148, Lot 1 “Petra”, Units 35 and 36, (Permit# B21-1198). Dear Sir: Finish grading operations have been completed for Tract No. 18148, Lot 1 “Petra”, Units 35 & 36 and have been inspected by the undersigned Professional Land Surveyor. All grading was completed in substantial conformance with the final grading plan approved by the City Engineer and no unauthorized deviations were made. . Sincerely, Michael A. Baine, P.L.S. VP - Survey