HomeMy WebLinkAbout20253417 II"stewart Stewart Title Company
1275 58th Ave, Unit C
TITLE Greeley, CO 80634
(970) 356-5573
Fax:
Date: June 16, 2025
File Number: 2606491-10
Property Address: 24421 County Road 36, La Salle, CO 80645
Buyer/Borrower: Informational Only Commitment
Please direct all Closing inquiries to:
Beth Aksamitowski
Phone:
Fax:
Email Address: greeleyassist@stewart.com
Informational Only Commitment
Delivery Method: By Agent
Damariz S. Medrano Ramirez
Delivery Method: By Agent
AGPROfessionals Attn: Shirley Archambault
3050 67th Ave, Ste 200 Phone: (970) 535-9318
Greeley, CO 80634 Fax:
E-Mail: sarchambault@agpros.com
Delivery Method: Emailed
AGPROfessionals Attn: Hannah Dutrow
3050 67th Ave, Ste 200 Phone:
Greeley, CO 80634 Fax:
E-Mail: hdutrow@agpros.com
Delivery Method: Emailed
WIRED FUNDS ARE REQUIRED ON ALL CASH PURCHASE TRANSACTIONS. PLEASE FEEL FREE TO CONTACT
THE ESCROW OFFICE AS NOTED ABOVE.
We Appreciate Your Business and Look Forward to Serving You in the Future.
III'stewart
TITLE
UNDERSTANDING YOUR TITLE COMMITMENT
SCHEDULE A:
No. 1: Effective date: This is the date our title plant is certified through. There will typically be a 1-2 week gap
between the certification date and the date the commitment is issued.
No. 2A : Owner's Policy Proposed Insured: This is how the buyer's name(s)appear(s)on the Contract, all
Closing documents and your Final Title Policy. If your name is appearing incorrectly, please advise your Realtor,
Builder and/or Lender.
No. 2B : Loan Policy Proposed Insured: This is how your lender has requested their name appear. If you are
working with a Mortgage Broker, then this name may be unfamiliar to you. If a determination has not yet been
made on what lender will be providing your loan, then this may appear as 'TBD' (To Be Determined). If you are
paying cash for this purchase, this item will be left blank.
Charges: Title Premiums, Endorsements and Tax Certificates: These are fees for the items that the Company
has determined may be required by your Lender and/or to meet the terms of your contract. Your lender may
request additional items. This does not include any closing fees.
No. 3: The estate or interest in the land... : This shows the type of ownership that is going to be insured.
No.4: The Title is, at the Commitment Date... : This shows the name(s)of the current owner(s).
No. 5: The land referred to in the Commitment... : This is the 'legal' property description for the real estate you
are buying or selling.
SCHEDULE B-SECTION 1:
These are Requirements that must be satisfied in order to provide clear title to the Buyer and/or Lender. The closer
and/or processor for the Title Company, will generally take care of satisfying these requirements, however there
may be times when your help will be needed as well. Some requirements will be met prior to closing, and others will
be met at the time of closing.
SCHEDULE B-SECTION 2:
These items are Exceptions to your coverage. We are telling you these items exist (whether by recordation in the
County Clerk and Recorder's office or because we have knowledge of them through other means). Since these
items have been disclosed to you, you will not be provided any coverage for same. Owner's Extended Coverage
will delete Items 1-5 of the pre-printed items on Residential Sale Commitments, provided that the coverage was
requested by contract and collected at closing. Copies of the plat and covenants will be automatically sent to the
buyer and/or Selling Agent. We are happy to also provide you with copies of any other exceptions as well.
WIRE FRAUD
STOP ; ALERT
NOTIFICATION:
READ THIS BEFORE YOU WIRE FUNDS
WIRE FRAUD: THE THREAT IS REAL
Buying a home is an exciting time. You've saved, found the perfect home and planned the move. Now, the closing
day for your home is just around the corner.
We want to make sure your home purchase doesn't get derailed by a dangerous threat that could keep you from
getting the keys, painting walls and decorating. Criminals have stolen money meant for the purchase of homes
through malicious wire fraud schemes targeting consumers across the country.
Criminals begin the wire fraud process way before the attempted theft occurs. Most often,they begin with a common
social engineering technique called phishing. This can take the form of email messages, website forms or phone
calls to fraudulently obtain private information. Through seemingly harmless communication, criminals trick users
into inputting their information or clicking a link that allows hackers to steal login and password information.
Once hackers gain access to an email account,they will monitor messages to find someone in the process of buying
a home. Hacks can come from various parties involved in a transaction, including real estate agents, attorneys or
consumers. Criminals then use the stolen information to email fraudulent wire transfer instructions disguised to
appear as if they came from a professional you're working with to purchase a home. If you receive an email with
wiring instructions, don't respond. Email is not a secure way to send financial information. If you take the bait, your
money could be gone in minutes.
What can I do to protect myself?
Despite efforts by the title industry and others to educate consumers about the risk, homebuyers continue to be
targeted. Here are some tips on what you can do to protect yourself and/or your clients:
1. If requested, wiring instructions will be provided via an encrypted email.
2. Call,don't email: Confirm all wiring instructions by phone before transferring funds. Use the phone number
from the title company's website or a business card.
3. Be suspicious: It's not common for title companies to change wiring instructions and payment info
4. Confirm it all:Ask your bank to confirm not just the account number but also the name on the account before
sending a wire. The name on the account should state Stewart Title Company Escrow Account.
5. Verify immediately: You should call the title company or real estate agent to validate that the funds were
received. Detecting that you sent the money to the wrong account within 24 hours gives you the best chance
of recovering your money from the hackers.
6. Forward, don't reply: When responding to an email, hit the "forward" button instead of clicking the "reply"
button, and then start typing the person's email address. Criminals use email addresses that are very similar
to the real one for a company. By typing in email addresses, you will make it easier to discover if a fraudster
is after you.
lit stewart
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
ISSUED BY
STEWART TITLE GUARANTY COMPANY
NOTICE
IMPORTANT - READ CAREFULLY: THIS COMMITMENT IS AN OFFER TO ISSUE ONE OR MORE TITLE
INSURANCE POLICIES. ALL CLAIMS OR REMEDIES SOUGHT AGAINST THE COMPANY INVOLVING THE
CONTENT OF THIS COMMITMENT OR THE POLICY MUST BE BASED SOLELY IN CONTRACT.
THIS COMMITMENT IS NOT AN ABSTRACT OF TITLE, REPORT OF THE CONDITION OF TITLE, LEGAL OPINION,
OPINION OF TITLE, OR OTHER REPRESENTATION OF THE STATUS OF TITLE. THE PROCEDURES USED BY THE
COMPANY TO DETERMINE INSURABILITY OF THE TITLE, INCLUDING ANY SEARCH AND EXAMINATION, ARE
PROPRIETARY TO THE COMPANY, WERE PERFORMED SOLELY FOR THE BENEFIT OF THE COMPANY, AND
CREATE NO EXTRACONTRACTUAL LIABILITY TO ANY PERSON, INCLUDING A PROPOSED INSURED.
THE COMPANY'S OBLIGATION UNDER THIS COMMITMENT IS TO ISSUE A POLICY TO A PROPOSED INSURED
IDENTIFIED IN SCHEDULE A IN ACCORDANCE WITH THE TERMS AND PROVISIONS OF THIS COMMITMENT. THE
COMPANY HAS NO LIABILITY OR OBLIGATION INVOLVING THE CONTENT OF THIS COMMITMENT TO ANY
OTHER PERSON.
COMMITMENT TO ISSUE POLICY
Subject to the Notice; Schedule B, Part I - Requirements; Schedule B, Part II - Exceptions; and the Commitment
Conditions, STEWART TITLE GUARANTY COMPANY, a Texas corporation (the"Company"), commits to issue the Policy
according to the terms and provisions of this Commitment. This Commitment is effective as of the Commitment Date
shown in Schedule A for each Policy described in Schedule A, only when the Company has entered in Schedule A both
the specified dollar amount as the Proposed Amount of Insurance and the name of the Proposed Insured.
If all of the Schedule B, Part I - Requirements have not been met within six months after the Commitment Date, this
Commitment terminates and the Company's liability and obligation end.
11t.1\-(4—
Authorized C ntersignature
Stewart Title Company
1275 58th Ave, Unit C `J�6WR4,t1 Frederick H.Eppi4nger
Greeley, CO 80634 President and CEO
; 1908ito
� i3I
id Hisey
Secretary
This page is only a part of a 2021 ALTA®Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B,Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. AMERICAN
All other uses are prohibited. Reprinted under license from the American Land Title Association. LAND TITLE
File No.: 2606491-10 As sOCIATION
ALTA Commitment for Title Insurance(07-01-2021)
Page 1 of 4
COMMITMENT CONDITIONS
1. DEFINITIONS
a. "Discriminatory Covenant": Any covenant, condition, restriction, or limitation that is unenforceable under
applicable law because it illegally discriminates against a class of individuals based on personal characteristics
such as race, color, religion, sex, sexual orientation, gender identity, familial status, disability, national origin, or
other legally protected class.
b. "Knowledge" or "Known": Actual knowledge or actual notice, but not constructive notice imparted by the Public
Records.
c. "Land": The land described in Item 5 of Schedule A and improvements located on that land that by State law
constitute real property. The term "Land" does not include any property beyond that described in Schedule A, nor
any right, title, interest, estate, or easement in any abutting street, road, avenue, alley, lane, right-of-way, body of
water, or waterway, but does not modify or limit the extent that a right of access to and from the Land is to be
insured by the Policy.
d. "Mortgage": A mortgage, deed of trust, trust deed, security deed, or other real property security instrument,
including one evidenced by electronic means authorized by law.
e. "Policy": Each contract of title insurance, in a form adopted by the American Land Title Association, issued or to
be issued by the Company pursuant to this Commitment.
f. "Proposed Amount of Insurance": Each dollar amount specified in Schedule A as the Proposed Amount of
Insurance of each Policy to be issued pursuant to this Commitment.
g. "Proposed Insured": Each person identified in Schedule A as the Proposed Insured of each Policy to be issued
pursuant to this Commitment.
h. "Public Records": The recording or filing system established under State statutes in effect at the Commitment
Date under which a document must be recorded or filed to impart constructive notice of matters relating to the
Title to a purchaser for value without Knowledge. The term "Public Records" does not include any other recording
or filing system, including any pertaining to environmental remediation or protection, planning, permitting, zoning,
licensing, building, health, public safety, or national security matters.
i. "State": The state or commonwealth of the United States within whose exterior boundaries the Land is located.
The term "State" also includes the District of Columbia, the Commonwealth of Puerto Rico, the U.S. Virgin
Islands, and Guam.
j. "Title": The estate or interest in the Land identified in Item 3 of Schedule A.
2. If all of the Schedule B, Part I - Requirements have not been met within the time period specified in the Commitment
to Issue Policy, this Commitment terminates and the Company's liability and obligation end.
3. The Company's liability and obligation is limited by and this Commitment is not valid without:
a. the Notice;
b. the Commitment to Issue Policy;
c. the Commitment Conditions;
d. Schedule A;
e. Schedule B, Part I -Requirements;
f. Schedule B, Part II -Exceptions; and
g. a countersignature by the Company or its issuing agent that may be in electronic form.
4. COMPANY'S RIGHT TO AMEND
The Company may amend this Commitment at any time. If the Company amends this Commitment to add a defect,
lien, encumbrance, adverse claim, or other matter recorded in the Public Records prior to the Commitment Date, any
liability of the Company is limited by Commitment Condition 5. The Company is not liable for any other amendment to
this Commitment.
This page is only a part of a 2021 ALTA®Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. AMERICAN
All other uses are prohibited. Reprinted under license from the American Land Title Association. LAND TITLE
File No.: 2606491-10 A OCIA.110N
ALTA Commitment for Title Insurance(07-01-2021)
Page 2 of 4
5. LIMITATIONS OF LIABILITY
a. The Company's liability under Commitment Condition 4 is limited to the Proposed Insured's actual expense
incurred in the interval between the Company's delivery to the Proposed Insured of the Commitment and the
delivery of the amended Commitment, resulting from the Proposed Insured's good faith reliance to:
i. comply with the Schedule B, Part I - Requirements;
ii. eliminate, with the Company's written consent, any Schedule B, Part II - Exceptions; or
iii. acquire the Title or create the Mortgage covered by this Commitment.
b. The Company is not liable under Commitment Condition 5.a. if the Proposed Insured requested the amendment
or had Knowledge of the matter and did not notify the Company about it in writing.
c. The Company is only liable under Commitment Condition 4 if the Proposed Insured would not have incurred the
expense had the Commitment included the added matter when the Commitment was first delivered to the
Proposed Insured.
d. The Company's liability does not exceed the lesser of the Proposed Insured's actual expense incurred in good
faith and described in Commitment Condition 5.a. or the Proposed Amount of Insurance.
e. The Company is not liable for the content of the Transaction Identification Data, if any.
f. The Company is not obligated to issue the Policy referred to in this Commitment unless all of the Schedule B, Part
I - Requirements have been met to the satisfaction of the Company.
g. The Company's liability is further limited by the terms and provisions of the Policy to be issued to the Proposed
Insured.
6. LIABILITY OF THE COMPANY MUST BE BASED ON THIS COMMITMENT; CHOICE OF LAW AND CHOICE OF
FORUM
a. Only a Proposed Insured identified in Schedule A, and no other person, may make a claim under this
Commitment.
b. Any claim must be based in contract under the State law of the State where the Land is located and is restricted
to the terms and provisions of this Commitment. Any litigation or other proceeding brought by the Proposed
Insured against the Company must be filed only in a State or federal court having jurisdiction.
c. This Commitment, as last revised, is the exclusive and entire agreement between the parties with respect to the
subject matter of this Commitment and supersedes all prior commitment negotiations, representations, and
proposals of any kind, whether written or oral, express or implied, relating to the subject matter of this
Commitment.
d. The deletion or modification of any Schedule B, Part II—Exception does not constitute an agreement or obligation
to provide coverage beyond the terms and provisions of this Commitment or the Policy.
e. Any amendment or endorsement to this Commitment must be in writing and authenticated by a person authorized
by the Company.
f. When the Policy is issued, all liability and obligation under this Commitment will end and the Company's only
liability will be under the Policy.
7. IF THIS COMMITMENT IS ISSUED BY AN ISSUING AGENT
The issuing agent is the Company's agent only for the limited purpose of issuing title insurance commitments and
policies. The issuing agent is not the Company's agent for closing, settlement, escrow, or any other purpose.
8. PRO-FORMA POLICY
The Company may provide, at the request of a Proposed Insured, a pro-forma policy illustrating the coverage that the
Company may provide. A pro-forma policy neither reflects the status of Title at the time that the pro-forma policy is
delivered to a Proposed Insured, nor is it a commitment to insure.
9. CLAIMS PROCEDURES
This Commitment incorporates by reference all Conditions for making a claim in the Policy to be issued to the
Proposed Insured. Commitment Condition 9 does not modify the limitations of liability in Commitment Conditions 5
and 6.
This page is only a part of a 2021 ALTA'' Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B,Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. AMERICAN
All other uses are prohibited. Reprinted under license from the American Land Title Association. LAND TITLE
File No.: 2606491-10 ASNOCIA7'ON
ALTA Commitment for Title Insurance(07-01-2021)
Page 3 of 4
10. CLASS ACTION
ALL CLAIMS AND DISPUTES ARISING OUT OF OR RELATING TO THIS COMMITMENT, INCLUDING ANY
SERVICE OR OTHER MATTER IN CONNECTION WITH ISSUING THIS COMMITMENT, ANY BREACH OF A
COMMITMENT PROVISION, OR ANY OTHER CLAIM OR DISPUTE ARISING OUT OF OR RELATING TO THE
TRANSACTION GIVING RISE TO THIS COMMITMENT, MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY.
NO PARTY MAY SERVE AS PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY CLASS OR
REPRESENTATIVE PROCEEDING. ANY POLICY ISSUED PURSUANT TO THIS COMMITMENT WILL CONTAIN
A CLASS ACTION CONDITION.
11. ARBITRATION
The Policy contains an arbitration clause. All arbitrable matters when the Proposed Amount of Insurance is
$2,000,000 or less may be arbitrated at the election of either the Company or the Proposed Insured as the exclusive
remedy of the parties.A Proposed Insured may review a copy of the arbitration rules at http://www.alta.org/arbitration.
STEWART TITLE GUARANTY COMPANY
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: Stewart Title Guaranty Company, P.O. Box 2029, Houston, Texas 77252-2029.
This page is only a part of a 2021 ALTA®Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. AMERICAN
All other uses are prohibited. Reprinted under license from the American Land Title Association. LAND TITLE
File No.: 2606491-10 ASSOCIATION
ALTA Commitment for Title Insurance(07-01-2021)
Page 4 of 4
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
SCHEDULE A
ISSUED BY
STEWART TITLE GUARANTY COMPANY
Transaction Identification Data, for which the Company assumes no liability as set forth in Commitment
Condition 5.e.:
Issuing Agent: Stewart Title Company
Issuing Office: 1275 58th Ave, Unit C, Greeley, CO 80634
Issuing Office's ALTA®Registry ID:
Loan ID Number:
Commitment Number: 2606491-10
Issuing Office File Number: 2606491-10
Property Address: 24421 County Road 36, La Salle, CO 80645
Revision Number: C2-Updated Effective Date
1. Commitment Date: June 10, 2025 at 8:00AM
2. Policy to be issued: Proposed Amount of Insurance
(a)2021 ALTA®Owner's Policy
Proposed Insured: Informational Only Commitment
(b)ALTA®Loan Policy
Proposed Insured:
3. The estate or interest in the Land at the Commitment Date is:
FEE SIMPLE
4. The Title is, at the Commitment Date, vested in:
Damariz S. Medrano Ramirez
5. The Land is described as follows:
See Exhibit"A"Attached Hereto
STEWART TITLE GUARANTY COMPANY
&
Authorized C6intersignature
This page is only a part of a 2021 ALTA®Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Pail I-Requirements;and Schedule B, Pail II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. ^MER;CAN
All other uses areprohibited. Reprinted under license from the American Land Title Association. uNO TALE
P ASSOCIATION
ALNo.: 1-10
TA Commitment for Title Insurance Schedule A(07-01-2021)
Page 1 of 6
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
SCHEDULE A
ISSUED BY
STEWART TITLE GUARANTY COMPANY
STATEMENT OF CHARGES
These charges are due and payable before a policy can be issued:
Informational Only Commitment Fee: $850.00
This page is only a part of a 2021 ALTA®Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved. 11111
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use. AMERICAN
All other uses areprohibited. Reprinted under license from the American Land Title Association. LAND TITLE
P ASSOCIATION
F No.:Commitment
2606491-10
ALTA Cmmitm for Title Insurance Schedule A(07-01-2021)
Page 2 of 6
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
EXHIBIT "A"
LEGAL DESCRIPTION
ISSUED BY
STEWART TITLE GUARANTY COMPANY
File No.: 2606491-10
Lot B of Recorded Exemption No. 1215-06-3-RE2551, recorded October 11, 1999 at Reception No. 2726091, being a
portion of the SW1/4 of Section 6, Township 3 North, Range 64 West of the 6th P.M., County of Weld, State of Colorado.
EXCEPT that portion conveyed to The Farmers Reservoir and Irrigation Company for the Neres Canal in Warranty Deed
recorded March 19, 1910 in Book 327 at Page 113.
For Informational Purposes Only: 24421 County Road 36, La Salle, CO 80645
APN: 121506000023, R8591000
This page is only a part of a 2021 ALTAe Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions. and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use.
prohibited. Reprinted under license from the American Land Title Association. LAND AMERICAN
All other uses are
P LAND TITLE
File No.:2606491-10 AssocuTioN
ALTA Commitment for Title Insurance Schedule A(07-01-2021)
Page3of6
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
SCHEDULE B PART I
ISSUED BY
STEWART TITLE GUARANTY COMPANY
File No.: 2606491-10
Requirements
All of the following Requirements must be met:
1. The Proposed Insured must notify the Company in writing of the name of any party not referred to in this Commitment
who will obtain an interest in the Land or who will make a loan on the Land. The Company may then make additional
Requirements or Exceptions.
2. Pay the agreed amount for the estate or interest to be insured.
3. Pay the premiums, fees, and charges for the Policy to the Company.
4. Documents satisfactory to the Company that convey the Title or create the Mortgage to be insured, or both, must be
properly authorized, executed, delivered, and recorded in the Public Records.
5. NOTE: This product is for informational purposes 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 property described herein. This
Company's sole liability for any error(s) relating to this product is limited to the amount that was paid for this product.
FOR INFORMATIONAL PURPOSES ONLY:
24-month Chain of Title: The only conveyance(s) affecting said land recorded within the 24 months preceding the date
of this commitment is (are)as follows:
Special Warranty Deed recorded September 25, 2024, as Reception No.4984590.
Prior Deed: Warranty Deed recorded March 7, 2000, as Reception No.2753869.
NOTE: If no conveyances were found in that 24 month period, the last recorded conveyance is reported. If the
subject land is a lot in a subdivision plat less than 24 months old, only the conveyances subsequent to the plat are
reported.
This page is only a part of a 2021 ALTAI'Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B,Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use.
All other uses areprohibited. Reprinted under license from the American Land Title Association. LAND
TITLE
P LAND TITLE
File No.:2606491-10 ASSOCIATION
ALTA Commitment for Title Insurance Schedule BI(07-01-2021)
Page4of6
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
SCHEDULE B PART II
ISSUED BY
STEWART TITLE GUARANTY COMPANY
File No.: 2606491-10
Exceptions •
Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This
Commitment and the Policy treat any Discriminatory Covenant in a document referenced in Schedule B as if each
Discriminatory Covenant is redacted, repudiated, removed, and not republished or recirculated. Only the
remaining provisions of the document will be excepted from coverage.
The Policy will not insure against loss or damage resulting from the terms and conditions of any lease or easement
identified in Schedule A, and will include the following Exceptions unless cleared to the satisfaction of the Company:
1. Any defect, lien, encumbrance, adverse claim, or other matter that appears for the first time in the Public Records or
is created, attaches, or is disclosed between the Commitment Date and the date on which all of the Schedule B,
Part I -Requirements are met.
2. Rights or claims of parties in possession, not shown by the public records.
3. Easements, or claims of easements, 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. 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.
6. (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.
7. Water rights, claims or title to water.
8. Any and all unpaid taxes and assessments and any unredeemed tax sales.
9. Rights 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, Colorado, recorded October 14, 1889 in Book 86 at Page 273.
10. Reservations or exceptions in Patents, or in Acts authorizing the issuance thereof, including the reservation of a
right of way for ditches or canals constructed by the authority of the United States, as reserved in United States
Patent recorded January 28, 1910 in Book 132 at Page 279.
11. Conveyance of oil, gas, or other minerals as set forth in Mineral Deed recorded November 3, 1943 in Book 1120 at
Page 43, and all rights and easements appertaining thereto in favor of the holder of said interest and any party
claiming by, through or under said holder. The Company makes no representation as to the present ownership of
this interest.
This page is only a part of a 2021 ALTA'Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy;the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions:and a countersignature by the
Company or its issuing agent that may be in electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)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. LCAN AND T TiTLE
p LAND TCE
File No.:2606491-10 ASSOCIATION
ALTA Commitment for Title Insurance Schedule BII(07-01-2021)
Page 5 of 6
ALTA COMMITMENT FOR TITLE INSURANCE (07-01-2021)
SCHEDULE B PART II
ISSUED BY
STEWART TITLE GUARANTY COMPANY
12. Terms and provisions of Oil and Gas Lease contained in the instrument recorded February 11, 1981 as Reception
No. 1849414, between Floyd Oster and Blanche Oster, lessor, and Champlin Petroleum Company, lessee.
13. Terms and provisions of Oil and Gas Lease contained in the instrument recorded February 23, 1981 as Reception
No. 1850267, between Margaret Alice Smith, PR for the Estate of John P. Smith, deceased, lessor, and Champlin
Petroleum Company, lessee. Rerecorded April 25, 1985 as Reception No. 2007184.
14. Reservation of oil, gas, or other minerals as set forth in Warranty Deed recorded April 2, 1982 as Reception No.
1887730, and all rights and easements appertaining thereto in favor of the holder of said interest and any party
claiming by, through or under said holder. The Company makes no representation as to the present ownership of
this interest.
15.
NOTE: Subsequent Mineral Deed recorded April 2, 1982 as Reception No. 1887731 conveys a portion of this
interest.
16. Pipeline Right-of-Way Grant recorded October 10, 1983 as Reception No. 1943073.
17. Notice Concerning Underground Facilities of United Power, Inc. recorded January 24, 1991 as Reception No.
2239296.
18. Valve Site Contract recorded March 28, 1991 as Reception No. 2245292.
19. Pipeline Right-of-Way Grant recorded March 28, 1991 as Reception No. 2245293.
20. All matters shown on the map of Recorded Exemption No. 1215-06-3-RE2551 recorded October 11, 1999 as
Reception No. 2726091.
21. Reservation of oil, gas, or other minerals as set forth in Warranty Deed recorded March 7, 2000, as Reception No.
2753869, and all rights and easements appertaining thereto in favor of the holder of said interest and any party
claiming by, through or under said holder. The Company makes no representation as to the present ownership of
this interest.
22. Request for Notification recorded April 1, 2002 as Reception No. 2938187.
23. Surface Damage and Release Agreement dated April 6, 2007 as evidenced by Memorandum recorded April 12,
2007 as Reception No. 3468750.
24. Request for Notification of Pending Surface Development recorded August 24, 2007 as Reception No. 3499549.
25. A Deed of Trust executed by Damariz S. Medrano Ramirez, to the Public Trustee, to secure an indebtedness of
$1,192,500.00 in favor of First National Bank of America recorded September 25, 2024 as Reception No. 4984591.
26. Any and all unrecorded leases or tenancies and any and all parties claiming by, through, or under such leases or
tenancies.
This page is only a part of a 2021 ALTA't Commitment for Title Insurance. This Commitment is not valid without the Notice;the Commitment to Issue
Policy:the Commitment Conditions;Schedule A;Schedule B, Part I-Requirements;and Schedule B, Part II-Exceptions;and a countersignature by the
Company or its issuing agent that may be In electronic form.
Copyright 2021 American Land Title Association. All rights reserved.
The use of this Form(or any derivative thereof)is restricted to ALTA licensees and ALTA members in good standing as of the date of use.
prohibited. A Reprinted under license from the American Land Title Association. LAND�cAN
All other uses are
P LAND TITLE
File No.:2606491-IO ASsoCu7loN
ALTA Commitment for Title Insurance Schedule BI1(07-01-2021)
Page 6 of 6
SELLERS: Damariz S. Medrano Ramirez
BUYERS: Informational Only Commitment
PROPERTY: 24421 County Road 36, La Salle, CO 80645
DATE: , 2025
DISCLOSURE REGARDING FUNDS FOR CLOSING
Escrow Agent may receive other benefits from the financial institution where the funds are deposited. Based
upon the deposit of escrow funds in demand deposit accounts and other relationships with the financial
institution, Escrow Agent is eligible to participate in a program whereby it may (i) receive favorable loan
terms and earn income from the investment of loan proceeds and (ii) receive other benefits offered by the
financial institution.
AFFILIATED BUSINESS DISCLOSURE
This is to give you notice that Rocky Mountain Recording Services has a business relationship with
Stewart Title Company and its affiliated and subsidiary companies. Stewart Title Company and Rocky
Mountain Recording Services share common ownership. Stewart Title Company is wholly owned by
Stewart Title Guaranty Company which shares the same parent company as Rocky Mountain Recording
Services. Because of this relationship, this referral may provide Rocky Mountain Recording Services and
Stewart a financial or other benefit.
Set forth below is the estimated charge or range of charges for the settlement services listed. You are
NOT required to use the above provider as a condition for settlement of this transaction on the above
referenced property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS
AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT
YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Colorado Recording Fee Schedule
Processing/Verification Fee:
Per Escrow File ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... $30.00
E-Recording Fee:
Per Document... ... ... ... ... ... ... ... ... ... ... ... . .. $7.00.. ... ... ... ... ... ... ... .
Government Recording Fees:
Per Document Fees
lstPage ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... . $t3.00
Each Additional Page... ... $ 5.00
DISCLOSURES
File No.: 2606491-10
Pursuant to C.R.S. 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 SHALL BE OBTAINED FROM
THE COUNTY TREASURER OR THE COUNTY TREASURER'S AUTHORIZED AGENT;
C. 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 8-1-2, Section 5, Paragraph G 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 Company conducts the closing of the insured transaction and is responsible for recording
the legal documents from the transaction, exception number 1 will not appear on the Owner's Title Policy and the
Lender's Title Policy when issued.
Note: Colorado Division of Insurance Regulations 8-1-2, Section 5, Paragraph M requires that every title entity shall notify
in writing that
Affirmative Mechanic's Lien Protection for the Owner may be available (typically by deletion of Exception No. 5 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 materialmen 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 unfiled Mechanic's
and Materialmen'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.
To comply with the provisions of C.R.S. 10-11-123,the Company makes the following disclosure:
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.
NOTE: THIS DISCLOSURE APPLIES ONLY IF SCHEDULE B, SECTION 2 OF THE TITLE COMMITMENT HEREIN
INCLUDES AN EXCEPTION FOR SEVERED MINERALS.
Notice of Availability of a Closing Protection Letter: Pursuant to Colorado Division of Insurance Regulation 8-1-3,
Section 5, Paragraph C(11)(f), a closing protection letter is available to the consumer.
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.
CO Commitment Disclosure Revised 7/30/18
Updated:August 24,2023
STEWART INFORMATION SERVICES CORPORATION
GRAMM-LEACH BLILEY PRIVACY NOTICE
This Stewart Information Services Corporation Privacy Notice ("Notice") explains how we and our affiliates and majority-owned
subsidiary companies (collectively, "Stewart," "our," or "we") collect, use, and protect personal information, when and to whom we
disclose such information, and the choices you have about the use and disclosure of your information. Pursuant to Title V of the
Gramm-Leach Bliley Act("GLBA") and other Federal and state laws and regulations applicable to financial institutions, consumers
have the right to limit some, but not all sharing of their personal information. Please read this Notice carefully to understand how
Stewart uses your personal information.
The types of personal information Stewart collects, and shares depends on the product or service you have requested.
Stewart may collect the following categories of personal and financial information from you throughout your transaction:
1. Identifiers: Real name, alias, online IP address if accessing company websites,email address, account name, unique online
identifier, or other similar identifiers.
2. Demographic Information: Marital status, gender, date of birth.
3. Personal Information and Personal Financial Information: Full name, signature, social security number, address, driver's
license number,passport number,telephone number,insurance policy number,education,employment,employment history,
bank account number,credit card number,debit card number,credit reports,or any other information necessary to complete
the transaction.
Stewart may collect personal information about you from:
1. Publicly available information from government records.
2. Information we receive directly from you or your agent(s),such as your lender or real estate broker.
3. Information we receive from consumer reporting agencies and/or governmental entities,either directly from these entities or
through others.
Stewart may use your personal information for the following purposes:
1. To provide products and services to you in connection with a transaction.
2. To improve our products and services.
3. To communicate with you about our affiliates', and others'products and services,jointly or independently.
Stewart may use or disclose the personal information we collect for one or more of the following purposes:
• To fulfill or meet the reason for which the information is provided.
• To provide, support, personalize, and develop our website, products, and services.
• To create, maintain, customize, and secure your account with Stewart.
• To process your requests, purchases,transactions, and payments and prevent transactional fraud.
• To prevent and/or process claims.
• To assist third party vendors/service providers who complete transactions or perform services on Stewart's behalf pursuant to
valid service provider agreements.
• As necessary or appropriate to protect the rights, property or safety of Stewart, our customers, or others.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor
and improve our responses.
• To help maintain the safety, security, and integrity of our website, products and services, databases and other technology-
based assets, and business.
• To respond to law enforcement or regulator requests as required by applicable law, court order,or governmental regulations.
• Auditing for compliance with federal and state laws, rules, and regulations.
• Performing services including maintaining or servicing accounts, providing customer service, processing, or fulfilling orders
and transactions, verifying customer information, processing payments.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all
our assets,whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal
information held by us is among the assets transferred.
File No.: 2606491-10 Updated 08/24/2023
Stewart will not collect additional categories of personal information or use the personal information we collected for materially
different, unrelated, or incompatible purposes without providing you notice.
Disclosure of Personal Information to Affiliated Companies and Nonaffiliated Third Parties
Stewart does not sell your personal information to nonaffiliated third parties. Stewart may share your information with those you
have designated as your agent throughout the course of your transaction(for example, your realtor, broker, or a lender). Stewart
may disclose your personal information to non-affiliated third-party service providers and vendors to render services to complete
your transaction.
We share your personal information with the following categories of third parties:
• Non-affiliated service providers and vendors we contract with to render specific services(For example, search companies,
mobile notaries,and companies providing credit/debit card processing, billing,shipping, repair, customer service, auditing,
marketing, etc.)
• To enable Stewart to prevent criminal activity, fraud, material misrepresentation, or nondisclosure.
• Stewart's affiliated and subsidiary companies.
• Parties involved in litigation and attorneys, as required by law.
• Financial rating organizations, rating bureaus and trade associations,taxing authorities, if required in the transaction.
• Federal and State Regulators, law enforcement and other government entities to law enforcement or authorities in connection
with an investigation, or in response to a subpoena or court order.
The law does not require your prior authorization or consent and does not allow you to restrict the disclosures described above.
Additionally, we may disclose your information to third parties for whom you have given us authorization or consent to make such
disclosure. We do not otherwise share your Personal Information or browsing information with non-affiliated third parties, except as
required or permitted by law.
Right to Limit Use of Your Personal Information
You have the right to opt-out of sharing of your personal information among our affiliates to directly market to you. To opt-out of sharing
your information with affiliates for direct marketing, you may send an"opt out"request to OptOutstewart.com, or contact us through
other available methods provided under "Contact Information" in this Notice. We do not share your Personal Information with
nonaffiliates for their use to directly market to you without your consent.
How Stewart Protects Your Personal Information
Stewart maintains physical,technical, and administrative safeguards and policies to protect your personal information.
Contact Information
If you have specific questions or comments about this Notice, the ways in which Stewart collects and uses your information described
herein, or your choices and rights regarding such use, please do not hesitate to contact us at:
Phone: Toll Free at 1-866-571-9270
Email: Privacyrequest(a�stewart.com
Postal Address: Stewart Information Services Corporation
Attn: Mary Thomas, Chief Compliance and Regulatory Officer
1360 Post Oak Blvd., Ste. 100, MC#14-1
Houston, TX 77056
File No.: 2606491-10 Updated 08/24/2023
Effective Date: January 1, 2020
Updated: August 24, 2023
STEWART INFORMATION SERVICES CORPORATION
PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
Stewart Information Services Corporation and its affiliates and majority-owned subsidiary companies(collectively,"Stewart,""our,"or"we")respect and
are committed to protecting your privacy. Pursuant to the California Consumer Privacy Act of 2018("CCPA")and the California Privacy Rights Act of
2020("CPRA"),we are providing this Privacy Notice("CCPA Notice"). This CCPA Notice explains how we collect,use,and disclose personal
information,when and to whom we disclose such information,and the rights you,as a California resident have regarding your Personal Information.
This CCPA Notice supplements the information contained in Stewart's existing privacy notice and applies solely to all visitors,users,consumers,and
others who reside in the State of California or are considered California Residents as defined in the CCPA("consumers"or"you"). All terms defined in
the CCPA&CPRA have the same meaning when used in this Notice.
Personal and Sensitive Personal Information Stewart Collects
Stewart has collected the following categories of personal and sensitive personal information from consumers within the last twelve(12)months:
A.Identifiers.A real name,alias,postal address,unique personal identifier,online identifier,Internet Protocol address,email address,account name,
Social Security number,driver's license number,passport number,or other similar identifiers.
B.Personal information categories listed in the California Customer Records statute(Cal.Civ.Code§1798.80(e)). A name,signature,Social
Security number,address,telephone number,passport number,driver's license or state identification card number,insurance policy number,
education,employment,employment history,bank account number,credit card number,debit card number,or any other financial information.
C.Protected classification characteristics under California or federal law. Age,race,color,ancestry,national origin,citizenship,marital status,
sex(including gender,gender identity,gender expression),veteran or military status.
D.Commercial information. Records of personal property,products or services purchased,obtained,or considered,or other purchasing or
consuming histories or tendencies.
E.Internet or other similar network activity.Browsing history,search history,information on a consumer's interaction with a website,application,or
advertisement.
F.Geolocation data
Stewart obtains the categories of personal and sensitive information listed above from the following categories of sources:
• Directly and indirectly from customers,their designees,or their agents(For example,realtors,lenders,attorneys,brokers,etc.)
• Directly and indirectly from activity on Stewart's website or other applications.
• From third parties that interact with Stewart in connection with the services we provide.
Use of Personal and Sensitive Personal Information
Stewart may use or disclose the personal or sensitive information we collect for one or more of the following purposes:
a. To fulfill or meet the reason for which the information is provided.
b. To provide,support,personalize,and develop our website,products,and services.
c. To create,maintain,customize,and secure your account with Stewart.
d. To process your requests,purchases,transactions,and payments and prevent transactional fraud.
e. To prevent and/or process claims.
f. To assist third party vendors/service providers who complete transactions or perform services on Stewart's behalf pursuant to valid service
provider agreements.
g. As necessary or appropriate to protect the rights,property or safety of Stewart,our customers,or others.
h. To provide you with support and to respond to your inquiries,including to investigate and address your concerns and monitor and improve
our responses.
i. To personalize your website experience and to deliver content and product and service offerings relevant to your interests,including targeted
offers and ads through our website,third-party sites,and via email or text message(with your consent,where required by law).
j. To help maintain the safety,security,and integrity of our website,products and services,databases and other technology-based assets,and
business.
k. To respond to law enforcement or regulator requests as required by applicable law,court order,or governmental regulations.
I. Auditing for compliance with federal and state laws,rules,and regulations.
m. Performing services including maintaining or servicing accounts,providing customer service,processing,or fulfilling orders and transactions,
verifying customer information,processing payments,providing advertising or marketing services or other similar services.
n. To evaluate or conduct a merger,divestiture,restructuring,reorganization,dissolution,or other sale or transfer of some or all our assets,
whether as a going concern or as part of bankruptcy,liquidation,or similar proceeding,in which personal information held by us is among the
assets transferred.
File No.: 2606491-10 Updated 08/24/2023
Stewart will not collect additional categories of personal or sensitive information or use the personal or sensitive information we collected for
materially different,unrelated,or incompatible purposes without providing you notice.
Disclosure of Personal Information to Affiliated Companies and Nonaffiliated Third Parties
Stewart does not sell your personal information to nonaffiliated third parties. Stewart may share your information with those you have designated
as your agent throughout the course of your transaction(for example,a realtor,broker,or a lender).
We share your personal information with the following categories of third parties:
a. Service providers and vendors we contract with to render specific services(For example,search companies,mobile notaries,and companies
providing credit/debit card processing,billing,shipping,repair,customer service,auditing,marketing,etc.)
b. Affiliated Companies.
c. Parties involved in litigation and attorneys,as required by law.
d. Financial rating organizations,rating bureaus and trade associations.
e. Federal and State Regulators,law enforcement and other government entities
In the preceding twelve(12)months,Stewart has disclosed the following categories of personal information:
Category A: Identifiers
Category B: California Customer Records personal information categories
Category C: Protected classification characteristics under California or federal law
Category D: Commercial Information
Category E: Internet or other similar network activity
Category F: Non-public education information
A. Your Consumer Rights and Choices Under CCPA and CPRA
The CCPA and CPRA provide consumers(California residents as defined in the CCPA)with specific rights regarding their personal information.
This section describes your rights and explains how to exercise those rights.
i. Access to Specific Information and Data Portability Rights
You have the right to request that Stewart disclose certain information to you about our collection and use of your personal information over the
past 12 months. Once we receive and confirm your verifiable consumer request,Stewart will disclose to you:
• The categories of personal information Stewart collected about you.
• The categories of sources for the personal information Stewart collected about you.
• Stewart's business or commercial purpose for collecting that personal information.
• The categories of third parties with whom Stewart shares that personal information.
• The specific pieces of personal information Stewart collected about you(also called a data portability request).
• If Stewart disclosed your personal data for a business purpose,a listing identifying the personal information categories that each category of
recipient obtained.
ii. Deletion Request Rights
You have the right to request that Stewart delete any personal information we collected from you and retained,subject to certain exceptions.Once
we receive and confirm your verifiable consumer request,Stewart will delete(and direct our service providers to delete)your personal information
from our records,unless an exception applies.
Stewart may deny your deletion request if retaining the information is necessary for us or our service providers to:
1. Complete the transaction for which we collected the personal information,provide a good or service that you requested,take actions
reasonably anticipated within the context of our ongoing business relationship with you,or otherwise perform our contract with you.
2. Detect security incidents,protect against malicious,deceptive,fraudulent,or illegal activity,or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech,ensure the right of another consumer to exercise their free speech rights,or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act(Cal.Penal Code§1546 seq.).
6. Engage in public or peer-reviewed scientific,historical,or statistical research in the public interest that adheres to all other applicable ethics
and privacy laws,when the information's deletion may likely render impossible or seriously impair the research's achievement,if you
previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
iii. Opt-Out of Information Sharing and Selling
Stewart does not share or sell information to third parties,as the terms are defined under the CCPA and CPRA. Stewart only shares your personal
information as commercially necessary and in accordance with this CCPA Notice.
iv. Correction of Inaccurate Information
You have the right to request that Stewart correct any inaccurate information maintained about.
File No.: 2606491-10 Updated 08/24/2023
v. Limit the Use of Sensitive Personal Information
You have the right to limit how your sensitive personal information,as defined in the CCPA and CPRA is disclosed or shared with third parties.
Exercising Your Rights Under CCPA and CPRA
If you have questions or comments about this notice,the ways in which Stewart collects and uses your information described herein,your choices and
rights regarding such use,or wish to exercise your rights under California law,please submit a verifiable consumer request to us by the available
means provided below:
1. Emailing us at OptOut@stewart.com;or
2. Visiting https://www.stewart.com/en/quick-links/ccpa-request.html
Only you,or someone legally authorized to act on your behalf,may make a verifiable consumer request related to your personal information. You may
also make a verifiable consumer request on behalf of your minor child,if applicable.
To designate an authorized agent,please contact Stewart through one of the methods mentioned above.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period.The verifiable consumer request must:
• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an
authorized representative.
• Describe your request with sufficient detail that allows us to properly understand,evaluate,and respond to it.
Stewart cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and
confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with Stewart.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five(45)days of its receipt. If we require more time(up to an additional 45 days),
we will inform you of the reason and extension period in writing.
A written response will be delivered by mail or electronically,at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also
explain the reasons we cannot comply with a request,if applicable.
Stewart does not charge a fee to process or respond to your verifiable consumer request unless it is excessive,repetitive,or manifestly unfounded. If
we determine that the request warrants a fee,we will tell you why we made that decision and provide you with a cost estimate before completing your
request.
Non-Discrimination
Stewart will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA,we will not:
• Deny you goods or services.
• Charge you a different prices or rates for goods or services,including through granting discounts or other benefits,or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Record Retention
Your personal information will not be kept for longer than is necessary for the business purpose for which it is collected and processed. We will retain
your personal information and records based on established record retention policies pursuant to Califomia law and in compliance with all federal and
state retention obligations. Additionally,we will retain your personal information to comply with applicable laws,regulations,and legal processes(such
as responding to subpoenas or court orders),and to respond to legal claims,resolve disputes,and comply with legal or regulatory recordkeeping
requirements.
Changes to This CCPA Notice
Stewart reserves the right to amend this CCPA Notice at our discretion and at any time. When we make changes to this CCPA Notice,we will post the
updated Notice on Stewart's website and update the Notice's effective date.
Link to Privacy Notice
https://www.stenart.com/en/pricac .html
Contact Information
Stewart Information Services Corporation
Attn: Mary Thomas,Chief Compliance and Regulatory Officer
1360 Post Oak Blvd.,Ste. 100,MC#14-1
Houston,TX 77056
File No.: 2606491-10 Updated 08/24/2023
lit stewart
TITLE
URGENT WARNING ABOUT
WIRE FRAUD AND WIRING
INSTRUCTIONS
ONO PROTECT YOURSELF
Think of the large amounts of money changing hands as part of your real estate transaction.
This makes you a target for criminals who send emails to home buyers and sellers and their real
estate or mortgage brokers with false wiring instructions. Instead of your money being sent to
the proper account, it ends up in the fraudster's account.
If a third party sends you false information and you wire your money to the account they
provide, it is likely you may never recover the money. The money is just gone.
How do you avoid being scammed?
► To ensure receiving or sending wiring instructions in the safest manner possible,they should be
obtained or delivered in person or from an initial order package you received or in the mail from
your Stewart Title Company representative.
► Before wiring funds, always call and speak with your Stewart Title Company representative to
verify instructions using the contact information you received in your initial order package or in
person.
► Never rely on email for wiring instructions as accounts can be faked or hacked and messages can
be intercepted.
If at any point during a transaction you receive changes to the wiring instructions you have been
provided,this is a huge red flag. Immediately call your Stewart Title Company representative for
verification. Always use a verified telephone number-never the number in the email with the
wiring instructions.
Hello