HomeMy WebLinkAbout20110660 (9
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3712933 08/20/2010 11:12A Weld County,CO
1 of 3 R 21.00 0 Steve Moreno Clerk&Recorder
933
WARRANTY GEED
THIS DEED, dated this 6th day of August, 2010, by and between DONALD E.
CHADWICK and L. JEAN CHADWICK, of the County of Weld, State of Colorado
("Grantors"), and RAWAE RESOURCES LLC, a Colorado Limited Liability Company,
the mailing address of which is 2725 Rocky Mountain Avenue, Suite 400,
Loveland, Colorado 80538, of the County of Larimer, State of Colorado
("Grantee").
WITNESSETH;
That Grantors, for and in consideration of the sum of Ten Dollars
(010.00) and other good and valuable consideration, to Grantors in band paid
by Grantee, the receipt of which is hereby confessed and acknowledged, have
granted, bargained, sold, and conveyed, and by these presents do hereby grant,
bargain, sell, convey, and confirm unto Grantee, its successors and assigns,
forever, all the real property, together with improvements, if any, situate,
lying, end being in the County of Weld, State of Colorado, described as
follows;
The real property which 1s legally described on
Exhibit •Ax attached hereto and incorporated herein
by reference.
(Vacant land, no street address assigned)
TOGETHER WITH all end singular the hereditements and appurtenances
thereunto belonging, or in anywise appertaining, the reversion and reversions,
remainder and remainders, rents, issues, and profits thereof, and all the
e state, right, title, interest, claim, and demand whatsoever of Grantors,
e ither in law or equity, of, in, or to the above-bargained premises, with the
hereditament' and appurtenances.
TO HAVE AND TO HOLD the said premises above bargained and described,
with the appurtenances, unto Grantee, its successors and assigns, forever.
And Grantors, for themselves end their heirs, personal representatives, and
assigns, do covenant, grant, bargain, and agree to and with Grantee, its
• successors and assigns, that at the time of the ensealing and delivery of
these presents they are well seized of the premises above conveyed; have good,
sure, perfect, absolute, and indefeasible estate of inheritance, in law, in
fee simple; and have good right, full power, and lawful authority to grant,
bargain, sell, and convey the same in manner and form as aforesaid, and that
the same are free from all former and other grants, bargains, sales, liens,
taxes, assessments, encumbrances, and re/trictions of whatever kind or nature
soever, except and subject to those matters which are set forth on Exhibit •8•
attached hereto and incorporated herein by reference.
Grantors shall and will WARRANT AND FOREVER DEFEND the above-bargained
premises iwahe quiet and peaceable p ion of Grantee, its successors and
assigns, against all end every person or persons lawfully claiming the whole
or any part thereof.
IN WITNESS WHEREOF, Grantors have executed this Warranty Deed the day
and year first above written.
Db }LD
K. CHADWII
/l9_/�� Cad
STATE OF COLORADO
as.
COUNTY OF LARIIER
The foregoing instrument was acknowledged before me this 6th day of
August, 2010, by DONALD K. CHADWICK end L. JEAN CHADWICK.
WITNESS my hand and official seal.
My commission expires; ((!T //O.
• AMY L.ZSCHEILE 1 a
NOTARY PUBLIC Notary public
STATE OPCOLORA0O 2011-0660
My Commission Expires 8484.17,2012
201E
(aae 7/]9/10)
07500/5(022-
• II11I111111111111IIII111111!1111111111111IlI1111111111
3712033 08)2012010 1t.12A Weld County,CO
2 0l 3 R 21.00 0 Steve Moreno Clerk&Retarder
EEHIBIT sAs ATTACHED TO AND MADE A PART 07 THE WARRANTY DIED BETWEEN DONALD E.
• CHADWICK AND L. JEAN CHADWICE ('GRANTORS") AND RAWAH RESOURCES LLC ("GRANTEE")
j,EGAL DESCRIPTION
OF THE PROPERTY CONVEYED HEREBY
Township 11 North, Range 66 West of the.6th P.M.
Section 19, All;
County of Weld, State of Colorado
(Vacant land, no street address assigned)
TOGETHER WITH THE FOLLOWING,
1. All rights, title, and interest of Grantors in and to
any improvements located on the above-described property.
2. One hundred percent (100%) of all other mineral rights
or reversionary mineral rights, sand and gravel rights, royalty
interests, and oil and gas 1 in connection with the
above-described property, including, insofar as it pertains to the
above-described property, that certain Paid Up Oil and Gas Lease
dated October 26, 2009, and recorded November 13, 2009, under
Reception No. 3659440 in which Grantors are the lessors and
LoneTree Energy 4 Associates, LLC is the lessee.
3. All rights, title, end interest of Grantors in and to
all water and water rights, ditches and ditch rights, wells, wall
permits, pumping rights, sumps and reservoir rights currently used
on or in any way appertaining to the above-described property.
•
ji
•
(ar40 9/29/10) - 2 -
312933 9/1111110 11:12AIIIeld C I nty,CO IIIIlIII
3712933 0B/Y0l2010 11:12p Weld County,CO
3 of 3 R 21.00 0 Steve Moreno Clerk 8 Recorder
EXHIBIT "B' ATTACHED TO AND MADE A PART O1 TEE WARRANTY DEED BETWEEN DONALD x.
• CHADWICK AND L. JEAN CHADWICK ('GRANTORS") AND RAWAB RESOURCES LLC ("GRANTEE')
TITLB EXCEPTIONS
1. General property taxes for 2010 and subsequent years.
2. Right of way for County roads 30 fest on either side of section
and township lines, as established by the Board of County Commissioners for
Weld County, recorded October 14, 1889 in Book 86 at Page 273.
3. Terms, condition, and provisions of Contract and Grant of Electric
Transmission Line Easement recorded July 13, 1970 at Reception No. 1551214.
4. Easement granted to Poudre Valley Rural Electric Association,
Inc., for utilities and incidental purposes, by instrument recorded
November 03, 1980, under Reception No. 1840584.
5. The effect of Public Service Company of Colorado Front Range 24"
Gas Pipeline Map, recorded June 17, 1998, under Reception No. 2620244.
6. Terms, conditions and provisions of Contract and Grant of Easement
recorded November 18, 2008 at Reception No. 3590500.
7. Oil and Gas Lease recorded November 13, 2009 under Reception
No. 3659440 and any and all Assignments thereof, or interests therein.
Note, The following notices pursuant to CRS 9-1.5-103 concerning
underground facilities have been filed with the Clerk and Recorder,
these statements are general and do not necessarily give notice of
underground facilities within the subject property.
(A) Mountain Bell Telephone Company, recorded October 1, 1981 in
Book 949 at Reception No. 1870705.
(B) Western Slope Gas Company, recorded March 9, 1983 in Book 990 at
Reception No. 1919757.
(C) Associated Natural Gas, Inc., recorded July 20, 1984 in Book 1037
at Reception No. 1983584 and recorded March 3, 1998 in Book 1187 at
• Reception No. 2132709 and recorded April 10, 1989 in Book 1229 at
Reception No. 2175917.
(D) Panhandle Eastern Pipe Line Company, recorded October 1, 1981 in
Book 949 at Reception No. 1870756 and recorded June 26, 1986 in
Book 1117 at Reception No. 2058722.
(B) Colorado Interstate Gas Company, recorded August 31, 1984 in
Book 1041 at Reception No. 19797.84.
(F) Union Rural Electric Association, Inc., recorded October 5, 1981
in Book 949 at Reception No. 1871004.
(0) Western Gas Supply Company, recorded April 2, 1985 in Book 1063 at
Reception No. 2004300.
(H) .,Public Service Company of Colorado, recorded November 9, 1981 in
Book'952 at Reception No. 1874084.
(I) St. Vrain Sanitation District, recorded December 14, 1988 at
Reception No. 2164975.
(J) United Power, Inc., recorded January 24, 1991 at Reception
No. 2239296.
•
(alit 7/29/10) - 3 -
• rg Land Title Guarantee Company
CUSTOMER DISTRIBUTION
Land Title
PaIAP.AN11110MeAN,
Date: 07-28-2010 Our Order Number: FC25095682-6
Property Address:
VACANT LAND WCR 126 CARR, CO 80612
Ifyou have any inquiries or require further assistance,please contact one of the numbers below:
For Closing Assistance: Fur Title Assistance'
Donna Mancl Ft.Collins Customer Care
772 WHALERS WAY#100
FORT COLLINS,CO 80525 772 WHALERS WAY 0100
Phone:970-282-3649 FORT COLLINS,CO 80525
Fax: 800-303-5161 Phone:970-282.3649
£Mail: dmancl@Itgc.com Fax: 970-282-3652
EMall; customercare@Itgc.com
RE/MAX ACTION BROKERS MOUNTAIN PLAINS FARM CREDIT SERVICES'TMX'
1685 ROCKY MOUNTAIN AVE 4505 29TH ST
LOVELAND, CO 80538 GREELEY,CO 80631
Ann: ROBERT RENNER Ann: HEIDI COGBURN EWING
Phone: 970-612-9200 Phone: 970-330-4071
• Fax: 970.612.9230 Fax: 970-330-9218
Copies: I Copies: I
EMail:bobrenner@remax,net EMail:heidi.cogburmewing@ifeedtheworld.cum
Linked Commitment Delivery Linked Commitment Delivery
DONALD K.CHADWICK HARRISON RESOURCE CORPORATION
37637 CR 39 0202 2725 ROCKY MOUNTAIN AVE 1400
EATON, CO 80615 LOVELAND,CO 60538
Copies: I Aim: CRAIG HARRISON
Sent Via US Postal Service Phone: 970-612-4100
Fax: 970-612-4106
Copies: 1
EMail: cralg@harrisonresource.com
Linked Commitment Delivery
LAND TITLE GUARANTEE COMPANY HASLER FONFARA AND GODDARD LLP
772 WHALERS WAY 0100 125 S HOWES ST
FORT COLLINS,CO 80525 Fr.COLLINS,CO 80521
Attn: Donna Manci Ann: TIM HASLER
Phone: 970-282-3649 Phone: 970.493-5070
Fax: 970-2823652 En: 970.493.9703
Copies: I Copies: 1
EMail: dmanci@llgc cum EMail:timh@htglawfrm.com
Linked Commitment Delivery
• 09.06.70
. pro' Land Title Guarantee Company
CUSTOMER DISTRIBUTION
Land Title
Date: 07-28-2010 Our Order Number: FC25095682-6
Property Address:
VACANT LAND WCR 126 CARR, CO 80612
HASLER FONFARA AND GODDARD LI.F
125 5 HOWES ST
FT. COLLINS.CO 90521
Attu LORI HANSON
Phone: 970-493-5070
Fax'. 970-493.9703
Copier 1
EM all:lorih@hfglawrinn.com
Linked Commitment Delivery
•
• 08.06.10 DIIIVM 0 unuen
• pp. Land Title Guarantee Company
Date: 07-28-2010
Land Title Our Order Number: FC25095682-6
Property Address:
VACANT LAND WCR 126 CARR. CO 80612
Buyer/Borrower:
RAWAH RESOURCES LLC, A COLORADO LIMITED LIABILITY COMPANY
Seller/Owner:
DONALD K. CHADWICK AND L.JEAN CHADWICK
Wire Information:
Bank:FIRSTBANK OF COLORADO
10403 W COLFAX AVENUE
LAKEWOOD, CO 80215
Phone:303-237-5000
Credit:LAND TITLE GUARANTEE COMPANY
ABA No.: 107005047
Account 2160521825
Attention:Donna Manci
iai*aiiiiiiiiwiiiiea*iiti*iiiiatitaie eieiteeaViaeieeeiiiieiee♦i•ii
• Note: Once an original commitment has been issued, any subsequent
modifications will be emphasized by underlining.
**•44*********aii****s iitiiMii4ieert*$**eee1i*Ytet ei4Hiit it t i♦
Need a map or directions for your upcoming closing?Check out Land Title's web site at www.ltgc.com
for directions to any of our 54 office locations.
ESTIMATE OF TITLE FEES
ALTA Owners Policy 06-17-06 $2,504.00
ALTA Loan Policy 06-17.06 $150.00
Deletion of Standard Exception(s) #4 only (Lender) $100.00
Tax Report $25.00
If Lend Title ouarantee CompaaY will be closing tale transaction, above fees will be collected at that tins.
TOTAL $1, 779.00
• ,on mwt•a Of/04 THANK YOU FOR YOUR ORDER!
• Old Republic National Title Insurance Company
ALTA COMMITMENT
Our Order No. FC25095682-6
Schedule A Cost, Ref.:
Property Address:
VACANT LAND WCR 126 CARR, CO 80612
1. Effective Date: July 22, 2010 at 5:00 P.M,
2. Policy to be Issued, and Proposed Insured:
"ALTA'' Owner's Policy 06-17-06
Proposed Insured:
RAWAH RESOURCES LLC, A COLORADO LIMITED LIABILITY COMPANY
"ALTA" Loan Policy 06-17.06
Proposed Insured:
FARM CREDIT SERVICES OF THE MOUNTAIN PLAINS, FLCA, A WHOLLY OWNED
SUBSIDIARY OF FARM CREDIT SERVICES OF THE MOUNTAIN PLAINS, ACA, ITS
SUCCESSORS AND/OR ASSIGNS
•
3. The estate or Interest in the land described or referred to in this Commitment and covered herein is:
A Fee Simple
4. Title to the estate or interest covered herein is at the effective date hereof vested in:
DONALD K. CHADWICK AND L.JEAN CHADWICK
5. The Land referred to in this Commitment is described as follows:
ALL OF SECTION 19, TOWNSHIP 11 NORTH, RANGE 66 WEST OF THE 6TH P.M., COUNTY OF
WELD, STATE OF COLORADO.
•
•
• ALTA COMMITMENT
Schedule B-1
(Requirements) Our Order No. FC25095682-6
The following are the requirements to be complied with:
Payment to or for the account of the grantors or mortgagors 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, to-wit:
I. (ITEM INTENTIONALLY DELETED)
2. WARRANTY DEED FROM DONALD K. CHADWICK AND L. JEAN CHADWICK TO RAWAH
RESOURCES LLC, A COLORADO LIMITED LIABILITY COMPANY CONVEYING SUBJECT
PROPERTY,
NOTE: AFFIDAVIT/STATEMENT OF AUTHORITY RECORDED JUNE 15, 2010 UNDER
RECEPTION NO. 3699528 DISCLOSES CRAIG D. HARRISON, MEMBER WHO MAY ACQUIRE,
CONVEY, ENCUMBER, LEASE OR OTHERWISE DEAL WITH INTERESTS IN REAL PROPERTY
FOR SAID ENTITY.
• 3. DEED OF TRUST FROM RAWAH RESOURCES LLC, A COLORADO LIMITED LIABILITY
COMPANY TO THE PUBLIC TRUSTEE OF WELD COUNTY FOR THE USE OF FARM CREDIT
SERVICES OF THE MOUNTAIN PLAINS. FLCA, A WHOLLY OWNED SUBSIDIARY OF FARM
CREDIT SERVICES OF THE MOUNTAIN PLAINS, ACA TO SECURE THE SUM OF
NOTE: ALL PARTIES WILL BE REQUIRED TO SIGN A SATISFACTORY LIEN AFFIDAVIT
AT CLOSING.
•
•
• ALTA COMMITMENT
Schedule B•2
(Exceptions) Our Order No. FC25095682-6
The policy or policies to be Issued will contain exceptions to the following unless the same are disposed
of to the satisfaction of the Company:
1. Rights or claims of parties in possession not shown by the Public Records.
2. Easements, or claims of easements. not shown by the Public Records.
3. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, and any facts which a correct survey or
Inspection of the Land would disclose and which are not shown by the public records.
4. 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.
5. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the Public Records or
attaching subsequent to the effective date hereof but prior to the date the proposed insured acquires of record for
value the estate or interest or mortgage thereon covered by this Commitment.
6. Taxes and assessments not yet due or payable and special assessments not yet certified to the Treasurer's office.
7. Any unpaid taxes or assessments against said Land.
• 8. Liens for unpaid water and sewer charges, if any.
9. RIGHT OF WAY FOR COUNTY ROADS 30 FEET ON EITHER SIDE OF SECTION AND
TOWNSHIP LINES, AS ESTABLISHED BY THE BOARD OF COUNTY COMMISSIONERS FOR
WELD COUNTY, RECORDED OCTOBER 14, 1889 IN BOOK 86 AT PAGE 273.
10. TERMS, CONDITIONS AND PROVISIONS OF CONTRACT AND GRANT OF ELECTRIC
TRANSMISSION LINE EASEMENT RECORDED JULY 13, 1970 AT RECEPTION NO.
1551214.
IL EASEMENT GRANTED TO POUDRE VALLEY RURAL ELECTRIC ASSOCIATION, INC., FOR
UTILITIES AND INCIDENTAL PURPOSES, BY INSTRUMENT RECORDED NOVEMBER 03,
1980. UNDER RECEPTION NO. 1840584.
12. (ITEM INTENTIONALLY DELETED)
13. THE EFFECT OF PUBLIC SERVICE COMPANY OF COLORADO FRONT RANGE 24" GAS
PIPELINE MAP, RECORDED JUNE 17, 1998, UNDER RECEPTION NO. 2620244.
14. TERMS, CONDITIONS AND PROVISIONS OF CONTRACT AND GRANT OF EASEMENT RECORDED
NOVEMBER 18, 2008 AT RECEPTION NO. 3590500.
•
•
• ALTA COMMITMENT
Schedule 5-2
(Exceptions) Our Order No. FC25095682.6
The policy or policies to be Issued will contain exceptions to the following unless the same are disposed
of to she satisfaction of the Company:
15. OIL AND GAS LEASE RECORDED NOVEMBER 13, 2009 UNDER RECEPTION NO. 3659440
AND ANY AND ALL ASSIGNMENTS THEREOF, OR INTEREST THEREIN.
NOTE: THE FOLLOWING NOTICES PURSUANT TO CRS 9-1.5-103 CONCERNING
UNDERGROUND FACILITIES HAVE BEEN FILED WITH THE CLERK AND RECORDER. THESE
STATEMENTS ARE GENERAL AND DO NOT NECESSARILY GIVE NOTICE OF UNDERGROUND
FACILITIES WITHIN THE SUBJECT PROPERTY:
(A) MOUNTAIN BELL TELEPHONE COMPANY, RECORDED OCTOBER 1, 1981 IN BOOK 949
AT RECEPTION NO. 1870705.
(B) WESTERN SLOPE GAS COMPANY. RECORDED MARCH 9, 1983 IN BOOK 990 AT
RECEPTION NO. 1919757.
(C) ASSOCIATED NATURAL GAS, INC., RECORDED JULY 20, 1984 IN BOOK 1037 AT
RECEPTION NO. 1974810 AND RECORDED OCTOBER 1, 1984 IN BOOK 1045 AT
RECEPTION NO. 1983584 AND RECORDED MARCH 3, 1988 IN BOOK 1187 AT RECEPTION
NO. 2132709 AND RECORDED APRIL 10, 1989 IN BOOK 1229 AT RECEPTION NO.
• 2175917.
(O)PANHANDLE EASTERN PIPE LINE COMPANY, RECORDED OCTOBER 1. 1981 IN BOOK
949 AT RECEPTION NO, 1870756 AND RECORDED JUNE 26, 1986 IN BOOK 1117 AT
RECEPTION NO. 2058722.
(E) COLORADO INTERSTATE GAS COMPANY, RECORDED AUGUST 31, 1984 IN BOOK 1041
AT RECEPTION NO. 1979784.
(F) UNION RURAL ELECTRIC ASSOCIATION, INC., RECORDED OCTOBER 5, 1981 IN
BOOK 949 AT RECEPTION NO. 1871004.
(G) WESTERN GAS SUPPLY COMPANY, RECORDED APRIL 2, 1985 IN BOOK 1063 AT
RECEPTION NO. 2004300.
(H) PUBLIC SERVICE COMPANY OF COLORADO. RECORDED NOVEMBER 9, 1981 IN BOOK
952 AT RECEPTION NO. 1874084,
(I) ST. VRAIN SANITATION DISTRICT, RECORDED DECEMBER 14, 1988 AT RECEPTION
NO. 2164975,
U) UNITED POWER. INC., RECORDED JANUARY 24, 1991 AT RECEPTION NO.
2239296.
• LAND TITLE GUARANTEE COMPANY and LAND TITLE GUARANTEE COMPANY- GRAND JUNCTION
DISCLOSURE STATEMENTS •
Note: Pursuant to CRS 10-11-122, notice is hereby given that:
A) The subject real property may be located in a special taxing district.
B) A Certificate of Taxes Due listing each taxing jurisdiction may be obtained from the County
Treasurer's authorized agent.
C) The 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: Effective September 1, 1997, CRS 30-10-406 requires that all documents received for recording or filing
in the clerk and recorder's office shall contain a top margin of at least one inch and a left, right and bottom
margin of at least one half of an inch. The clerk and recorder may refuse to record or file any document that
does not conform, except that, the requirement for the top margin shall not apply to documents using forms
on which space is provided for recording or filing information at the top margin of the document.
Note: Colorado Division of Insurance Regulations 3-5-1, Paragraph C of Article VII 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 die closing and is responsible for recording or filing of legal
documents resulting from the transaction which was closed". Provided that Land Title Guarantee
Company 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 Lenders 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) The land described in Schedule A of this commitment must be a single family residence which
includes a condominium or townhouse unit.
B) No labor or materials have been furnished by mechanics or material-men for purposes of
construction on the land described In Schedule A of this Commitment within the past 6 months.
C) The Company must receive an appropriate affidavit indemnifying the Company against un-filed
mechanic's and material-men's liens,
D) The Company must receive payment of the appropriate premium.
E) 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.
Note: Pursuant to CRS 10-11-123, notice is hereby given:
This notice applies to owner's policy commitments containing a mineral severance instrument
exception, or exceptions, in Schedule B, Section 2.
A) 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
B) That such mineral estate may include the right to enter and use the property without the
surface owner's permission.
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.
Form nISCIQSURE 09/01/02
•
•
JOINT NOTICE OF PRIVACY POLICY OF
LAND TITLE GUARANTEE COMPANY, LAND TITLE GUARANTEE COMPANY -GRAND JUNCTION,
LAND TITLE INSURANCE CORPORATION AND OLD REPUBLIC NATIONAL TITLE INSURANCE
COMPANY
This Statement is provided to you as a customer of Land Title Guarantee Company and Meridian Land Title,
LLC, as agents for Land Title Insurance Corporation and Old Republic National Title Insurance Company.
We want you to know that we recognize and respect your privacy expectations and the requirements of federal
and stale privacy laws. Information security is one of our highest priorities. We recognize that maintaining your
trust and confidence Is the bedrock of our business. We maintain and regularly review internal and external
safeguards against unauthorized access to non-public personal information ("Personal Information").
In the course of our business, we may collect Personal Information about you from:
• applications or other forms we receive from you, including communications sent through TMX, our
web-based transaction management system;
" your transactions with, or from the services being performed by, us. our affiliates, or others;
" a consumer reporting agency, if such information is provided to us in connection with your transaction;
and
* the public records maintained by governmental entities that we either obtain directly from those entities,
or from our affiliates and non-affiliates.
Our policies regarding the protection of the confidentiality and security of your Personal Information are as
follows:
* We restrict access to all Personal Information about you to those employees who need to know that
• information in order to provide products and services to you.
' We maintain physical, electronic and procedural safeguards that comply with federal standards to
protect your Personal Information from unauthorized access or intrusion.
• Employees who violate our strict policies and procedures regarding privacy are subject to disciplinary
action.
* We regularly access security standards and procedures to protect against unauthorized access to Personal
Information.
WE DO NOT DISCLOSE ANY PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR
ANY PURPOSE THAT IS NOT PERMITTED BY LAW.
Consistent with applicable privacy laws, there are some situations in which Personal Information may be
disclosed. We may disclose your Personal Information when you direct or give us permission: when we are
required by law to do so, for example, if we are served a subpoena: or when we suspect fraudulent or
criminal activities. We also may disclose your Personal Information when otherwise permitted by applicable
privacy laws such as, for example, when disclosure is needed to enforce our rights arising out of any agreement.
transaction or relationship with you.
Our policy regarding dispute resolution Is as follows. Any controversy or claim arising out of or relating to our
privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American
Arbitration Association,and judgment upon the award rendered by the arbitrator(s) may be entered in any court
having jurisdiction thereof.
Poem PRIV.PM.CRT
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