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HomeMy WebLinkAbout4.LCA-26-0007 PTRPreliminary Title Report File No.: FFHO-FTO260350B Title Officer: Roger Button Welcome to the new titleLOOK®! titleLOOK upgrades the traditional title report experience from a static report with large zip files of supporting documents to a real-time interactive title report. With titleLOOK, you'll enjoy: •an easy-to-use summary page of your report findings •color-coded requirements and exceptions so you can focus on what is important •hyperlinks directly into the documents referenced on your report •a transparent and convenient title report experience When you click on the above button/link to access your titleLOOK report, you will be taken to inHere, our platform designed to transform the experience of buying or selling real estate from the moment a transaction is started all the way through closing. inHere provides a safe and convenient method of delivering documents and information about your real estate transaction. CONDITION OF TITLE Guarantee Number: Issued By: FFHO-FTO260350B Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 1 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B CLTA Guarantee Face Page This guarantee, when issued by the Company with a Guarantee Number and Date of Guarantee, is valid even if this guarantee or any endorsement to this guarantee is issued electronically or lacks any signature. Any notice of claim and any other notice or statement in writing required to be given to the Company under this guarantee must be given to the Company at the address shown in Condition 14. Some historical land records contain Discriminatory Covenants that are illegal and unenforceable by law. This guarantee treats any Discriminatory Covenant in a document referenced in any of the Schedules herein as if each Discriminatory Covenant is redacted, repudiated, removed, and not republished or recirculated. This guarantee is not a commitment or any indication that the Company is willing to issue a policy of title insurance, and the Company reserves the right to decline to insure any future purchaser or lender. Any future offer of title insurance that the Company, in its sole discretion, decides to issue may include additional exceptions as well as requirements for the issuance of a final policy of title insurance. SUBJECT TO THE CLTA GUARANTEE EXCLUSIONS AND CONDITIONS, FIDELITY NATIONAL TITLE INSURANCE COMPANY, a Florida corporation (the "Company") GUARANTEES as of the Date of Guarantee against loss or damage, not exceeding the Amount of Liability, sustained by the Assured by reason of any incorrectness in the Assurances set forth in Schedule A. Fidelity National Title Company of California 1263 Esplanade, Suite C Chico, CA 95926 Fidelity National Title Insurance Company By: Countersigned By: Authorized Officer or Agent Michael J. Nolan, President Attest: Marjorie Nemzura, Secretary CLTA Guarantee Face Page (02-06-25) Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 2 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B ISSUING OFFICE: Title Officer: Roger Button Fidelity National Title Company of California 1263 Esplanade, Suite C Chico, CA 95926 Phone: 925-288-8000 Main Phone: (530)630-6180 Email: Roger.Button@titlegroup.fntg.com SCHEDULE A Amount of Liability Fee Title Officer $5,000.00 $500.00 Roger Button Date of Guarantee:June 12, 2026 at 07:30 AM 1.The Assured is:Rajkamal Deol 2.The estate or interest in the Land that is the subject of this Guarantee is: A Fee 3.The Land is described as follows: SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF 4.ASSURANCES: According to the Public Records as of the Date of Guarantee: a.The Title is vested in: Rajkamal Deol, a married woman as her sole and separate property b.The Title is subject to defects, liens or encumbrances shown in Schedule B, which matters are not necessarily shown in the order of their priority. END OF SCHEDULE A EXHIBIT "A" Legal Description Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 3 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B For APN/Parcel ID(s):022-220-012-000 THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE UNINCORPORATED AREA IN THE COUNTY OF BUTTE, STATE OF CALIFORNIA AND IS DESCRIBED AS FOLLOWS: THE SOUTHEAST QUARTER OF NORTHEAST QUARTER OF SECTION 26, TOWNSHIP 18 NORTH, RANGE 2 EAST, M.D.B. & M. EXCEPTING THEREFROM A STRIP OF LAND HERETOFORE CONVEYED TO RECLAMATION DISTRICT NO. 833 OF BUTTE COUNTY, BY DOCUMENT RECORDED MAY 31, 1921, IN BOOK 190, PAGE 26, OF DEEDS. ALSO EXCEPTING THEREFROM A PARCEL OF LAND IN THE NORTHWEST PORTION OF THE SOUTHEAST QUARTER OF NORTHEAST QUARTER OF SECTION 26, TOWNSHIP 18 NORTH, RANGE 2 EAST, M.D.B. & M., AND MORE PARTICULARLY DESCRIBED AS FOLLOWS: STARTING AT A POINT ON THE SOUTH RIGHT OF WAY LINE OF THE EAST WEST COUNTY ROAD AND ON THE WEST LINE OF THE SOUTHEAST QUARTER OF NORTHEAST QUARTER OF SECTION 26, TOWNSHIP 18 NORTH, RANGE 2 EAST, M.D.B. & M., AND ALSO 20 FEET SOUTH OF THE NORTHWEST CORNER OF THE SAID SOUTHEAST QUARTER OF NORTHEAST QUARTER AS A POINT OF BEGINNING; THENCE SOUTH 89° 30' EAST 659.5 FEET ALONG SAID SOUTH RIGHT OF WAY LINE TO A POINT, WHICH SAID POINT IS ALSO THE NORTHWEST CORNER OF A PARCEL OF LAND DESCRIBED IN A DEED TO R. J. NUGENT AND LUCILLE NUGENT, DATED JULY 1, 1938 AND RECORDED IN THE OFFICE OF THE RECORDER OF BUTTE COUNTY, CALIFORNIA IN BOOK 193, AT PAGE 347, OF OFFICIAL RECORDS; THENCE ALONG THE WEST BOUNDARY AND PRODUCTION THEREOF OF SAID PARCEL OF LAND SOUTH 0° 27' WEST, 661 FEET TO A POINT; THENCE NORTH 89° 30' WEST AND PARALLEL TO THE NORTH SIDE OF SAID SOUTHEAST QUARTER OF NORTHEAST QUARTER 658.6 FEET TO A POINT ON THE WEST LINE OF SAID SOUTHEAST QUARTER OF THE NORTHEAST QUARTER; THENCE NORTH 0° 22' EAST, 661 FEET TO THE POINT OF BEGINNING. FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B SCHEDULE B Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 4 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B 1.Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2026-2027. 2.Note: Property taxes for the fiscal year shown below are PAID. For proration purposes the amounts were: Tax Identification No.:022-220-012-000 Fiscal Year:2025-2026 1st Installment:$9,944.18 2nd Installment:$9,944.18 Land:$540,099.00 Improvements:$1,127,407.00 Fixtures: $140,967.00 Code Area:075-003 3.Supplemental assessment for 2025-2026: 1st Installment $1,855.05, Open Must be Paid By:July 31, 2026 2nd Installment:$1,855.05, Open Must be Paid By:November 30, 2026 Bill No.:990-384-966-000 4.The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 5.Taxes and assessments levied by the DWR Maintenance Area 7, Zone 1. 6.Taxes and assessments levied by the Sutter Butte Flood Control Agency. 7.Taxes and assessments levied by the Reclamation District #833-Ag Assessment. 8.Taxes and assessments levied by the boundaries of Reclamation District #833. 9.Taxes and assessments levied by Sacramento and San Joaquin Drainage District. No Report has been ordered. 10.Taxes, assessments and charges levied by the Butte Water District. Further information may be obtained by contacting: Butte Water District 735 Virginia Street Gridley, CA 95948 Phone: (530) 846-3100 11.Water rights, claims or title to water, whether or not disclosed by the public records. 12.Rights of the public to any portion of the Land lying within the area commonly known as West Biggs Gridley Road. FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B SCHEDULE B (continued) Condition of Title GuaranteeCLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 5 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B 13.Easement(s) for the purpose(s) shown below and rights incidental thereto as set forth in a document: In favor of:Reclamation District #833 Purpose:Drainage ditch or canal Recording Date:May 31, 1921 Recording No.:Book 190, Page 26, of Deeds Affects:Southeasterly portion 14.An oil and gas lease for the term therein provided with certain covenants, conditions and provisions, together with easements, if any, as set forth therein. Dated:February 18, 1965 Lessor:Paul A. Shelgren and Doris Thelma Shelgren, his wife Lessee:Central California Oil Co., a corporation Recording Date: April 27, 1965 Recording No.:Book 1370, Page 279, of Official Records 15.Matters contained in that certain document Entitled:Agricultural Statement of Acknowledgment Dated:July 6, 1984 Executed by:Doris T. Shelgren Recording Date:July 6, 1984 Recording No.:Book 2963, Page 410, of Official Records Reference is hereby made to said document for full particulars. Among other things, said document provides for: The Land may be subject to inconveniences or discomfort arising from necessary farm operations. 16.Matters contained in that certain document Entitled:Declaration Acknowledging Right to Farm Dated:March 26, 2015 Executed by:Dale E. Leishman and Lynette Leishman Recording Date:March 26, 2015 Recording No.:2015-0009806, of Official Records Reference is hereby made to said document for full particulars. Among other things, said document provides for: The Land may be subject to inconveniences or discomfort arising from necessary farm operations. FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B SCHEDULE B (continued) Condition of Title GuaranteeCLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 6 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B 17.A deed of trust to secure an indebtedness in the amount shown below, Amount:$1,690,775.00 Dated:December 8, 2025 Trustor/Grantor Rajkamal Deol, a married woman as her sole and separate property Trustee:Fidelity National Title Company, A Corporation Beneficiary:Citizens Business Bank, a Corporation organized and existing under the laws of California Loan No.:251002859 Recording Date:December 11, 2025 Recording No.:2025-0032897, of Official Records 18.Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the Public Records. 19.Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other matters which a correct survey would disclose and which are not shown by the public records. 20.Any easements not disclosed by the public records as to matters affecting title to real property, whether or not said easements are visible and apparent. END OF SCHEDULE B FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 7 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B EXCLUSIONS Except as expressly provided by the assurances in Schedule A, the following matters are excluded from coverage of this guarantee and the Company assumes no liability for loss or damage by reason of: 1.Any defect, lien, encumbrance, adverse claim, or other matter affecting the title to any property beyond the boundaries of the Land. 2.Any defect, lien, encumbrance, adverse claim, or other matter, whether or not shown by the Public Records: a.created, suffered, assumed, or agreed to by one or more of the Assureds; or b.that result in no loss to the Assured. 3.Defects, liens, encumbrances, adverse claims, or other matters not shown by the Public Records at Date of Guarantee. 4.The identity of any party shown or referred to in any of the schedules of this guarantee. 5.The validity, legal effect or priority of any matter shown or referred to in any of the schedules of this guarantee. 6.(a) Taxes or assessments of any taxing authority that levies taxes or assessments on real property; or, (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not the matters excluded under (a) or (b) are shown by the records of the taxing authority or by the Public Records. 7.(a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excluded under (a), (b) or (c) are shown by the Public Records. 8.Any discrepancy in the quantity of the area, square footage, or acreage of the Land or of any improvement to the Land. 9.Any claim to (a) ownership of or rights to minerals and similar substances, including but not limited to ores, metals, coal, lignite, oil, gas, uranium, clay, rock, sand, and gravel located in, on, or under the Land or produced from the Land, whether such ownership or rights arise by lease, grant, exception, conveyance, reservation, or otherwise; and (b) any rights, privileges, immunities, rights of way, and easements associated therewith or appurtenant thereto, whether or not the interests or rights excluded in (a) or (b) appear in the Public Records. CONDITIONS 1.DEFINITION OF TERMS The following terms when used in this guarantee mean: a."Amount of Liability": The Amount of Liability as stated in Schedule A. b."Assured": The party or parties named as the Assured in Schedule A, or on a supplemental writing executed by the Company. c."Date of Guarantee": The Date of Guarantee set forth in Schedule A. d."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. e."Land": The Land described or referred to in Schedule A and improvements located on that land at the Date of Guarantee 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. f."Mortgage": A mortgage, deed of trust, trust deed, or other real property security instrument. g."Public Records": The recording or filing system established under State statutes in effect at the Date of Guarantee under which a documentmust 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. h."State": The state or commonwealth of the United States within whose exterior boundaries the Land is located. The term "State" alsoincludes the District of Columbia, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, and Guam. i."Title": The estate or interest in the Land identified in Schedule A, if any. 2.NOTICE OF CLAIM TO BE GIVEN BY ASSURED The Assured must notify the Company promptly in writing if the Assured has knowledge of any assertion of facts, claim of title, or claim of interest that is contrary to the assurances set forth in Schedule A and that might cause loss or damage for which the Company may be liable under this guarantee. If the Company is prejudiced by the failure of the Assured to provide prompt notice, the Company's liability to the Assured under this guarantee is reduced to the extent of the prejudice. 3.NO DUTY TO DEFEND OR PROSECUTE The Company has no duty to defend or prosecute any action or proceeding to which the Assured is a party, notwithstanding the nature of any allegation in such action or proceeding. 4.COMPANY'S OPTION TO DEFEND OR PROSECUTE ACTIONS; DUTY OF ASSURED TO COOPERATE Even though the Company has no duty to defend or prosecute as set forth in Condition 3 above: a.The Company has the right, at its sole option and cost, to institute and prosecute any action or proceeding, interpose a defense, or to do any other act which in its opinion may be necessary or desirable to establish the correctness of the assurances set forth in Schedule A or to prevent or reduce loss or damage to the Assured. The Company may take any appropriate action under the terms of this guarantee, whether or not it may be liable hereunder, and does not thereby concede liability or waive any provision of this guarantee. If the Company exercises its rights under this paragraph, it will do so diligently. b.If the Company elects to exercise its options as provided in Condition 4.a. the Company has the right to select counsel of its choice (subject to the right of the Assured to object for reasonable cause) to represent the Assured and will not be liable for and will not pay the fees of any other counsel, nor will the Company pay any fees, costs or expenses incurred by an Assured in the defense of those causes of action which allege matters not covered by this guarantee. FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B (continued) Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 8 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B allege matters not covered by this guarantee. c.Whenever the Company has brought an action or interposed a defense as permitted by the provisions of this guarantee, the Company may pursue any litigation to final determination by a court of competent jurisdiction and expressly reserves the right, in its sole discretion, to appeal from an adverse judgment or order. d.In all cases where this guarantee permits the Company to prosecute or provide for the defense of any action or proceeding, the Assured must secure to the Company the right to so prosecute or provide for the defense of any action or proceeding, and all appeals therein, and permit the Company to use, at its option, the name of the Assured for this purpose. Whenever requested by the Company, the Assured, at the Company's expense, must give the Company all reasonable aid in any action or proceeding, securing evidence, obtaining witnesses, prosecuting or defending the action or lawful act which in the opinion of the Company may be necessary or desirable to establish the correctness of the assurances set forth in Schedule A or to prevent or reduce loss or damage to the Assured. If the Company is prejudiced by the failure of the Assured to furnish the required cooperation, the Company's obligations to the Assured under this guarantee will terminate. 5.PROOF OF LOSS OR DAMAGE a.The Company may, at its option, require as a condition of payment that the Assured furnish a signed proof of loss. The proof of loss must describe the defect, lien, encumbrance, adverse claim, or other matter that constitutes the basis of loss or damage and must state, to the extent possible, the basis of calculating the amount of the loss or damage. b.The Company may reasonably require the Assured to submit to examination under oath by any authorized representative of the Company and to produce for examination, inspection and copying, at such reasonable times and places as may be designated by any authorized representative of the Company, all records, books, ledgers, checks, correspondence, memoranda, reports, e-mails, disks, tapes, and videos, whether bearing a date before or after Date of Guarantee, which reasonably pertain to the loss or damage. Further, if requested by any authorized representative of the Company, the Assured must grant its permission, in writing, for any authorized representative of the Company to examine, inspect and copy all records in the custody or control of a third party, which reasonably pertain to the loss or damage. All information designated as confidential by the Assured provided to the Company pursuant to this Condition 5 will not be disclosed to others unless, in the reasonable judgment of the Company, it is necessary in the administration of the claim or required by law. Failure of the Assured to submit for examination under oath, produce other reasonably requested information or grant permission to secure reasonably necessary information from third parties as required in the above paragraph, unless prohibited by law or governmental regulation, terminates any liability of the Company under this guarantee to the Assured for that claim. 6.OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS: TERMINATION OF LIABILITY In case of a claim under this guarantee, the Company has the following additional options: a.To pay or tender payment of the Amount of Liability, together with any costs, attorneys' fees, and expenses incurred by the Assured that were expressly authorized in writing by the Company up to the time of payment or tender of payment and that the Company has agreed to pay. b.To pay or otherwise settle with the Assured any claim assured against under this guarantee. In addition, the Company will pay any costs, attorneys' fees, and expenses incurred by the Assured that were expressly authorized in writing by the Company, up to the time of payment or tender of payment and that the Company has agreed to pay; or c.To pay or otherwise settle with parties other than the Assured for the loss or damage provided for under this guarantee, together with any costs, attorneys' fees, and expenses incurred by the Assured that were expressly authorized in writing by the Company up to the time of payment and that the Company has agreed to pay. Upon the exercise by the Company of any of the options provided for in Condition 6.a., b., or c., the Company's obligations to the Assured under this guarantee for the claimed loss or damage, other than the payments required to be made, will terminate, including any duty to continue any and all litigation initiated by the Company pursuant to Condition 4. 7.LIMITATION OF LIABILITY a.This guarantee is a contract of indemnity against actual monetary loss or damage sustained or incurred by an Assured who has suffered loss or damage by reason of an assurance in Schedule A being incorrect, to the extent stated in Schedule A and subject to the Exclusions and the Conditions. This guarantee is not an abstract of the title, legal opinion, or a representation of the status of the title beyond what is assured in Schedule A. All claims asserted under this guarantee are based in contract and are restricted to the terms and provisions of this guarantee. The Company is not liable for any claim alleging negligence or negligent misrepresentation arising from or in connection with this guarantee. b.If the Company, or the Assured under the direction of the Company at the Company's expense, removes the alleged defect, lien, or encumbrance or cures any other matter assured against by this guarantee in a reasonably diligent manner by any method, including litigation and the completion of any appeals therefrom, it will have fully performed its obligations with respect to that matter and will not be liable for anyloss or damage caused thereby. c.In the event of any litigation by the Company or with the Company's consent, the Company has no liability for loss or damage until there has been a final determination by a court of competent jurisdiction, and disposition of all appeals therefrom. d.The Company is not liable for loss or damage to the Assured for liability voluntarily assumed by the Assured in settling any claim or suit without the prior written consent of the Company. 8.REDUCTION OF LIABILITY OR TERMINATION OF LIABILITY All payments under this guarantee, except payments made for costs, attorneys' fees, and expenses pursuant to Condition 4, will reduce the Amount of Liability under this guarantee pro tanto. 9.PAYMENT OF LOSS When liability and the extent of loss or damage has been determined in accordance with the Conditions, the Company will pay the loss or damage within thirty (30) days. FIDELITY NATIONAL TITLE INSURANCE COMPANY GUARANTEE NO. FFHO-FTO260350B (continued) Condition of Title Guarantee CLTA Guarantee Form No. 28 (02/06/2025)Printed: 07.22.26 @ 03:15 AM Page 9 CA-FT-FFHO-01510.081451-SPS-26-FFHO-FTO260350B within thirty (30) days. 10.SUBROGATION UPON PAYMENT OR SETTLEMENT a.If the Company settles and pays a claim under this guarantee, it is subrogated and entitled to the rights and remedies of the Assured in respect to the claim that the Assured has against any person, entity, or property to the fullest extent permitted by law, but limited to the amount of any loss, costs, attorneys' fees, and expenses paid by the Company. If requested by the Company, the Assured must execute documents to transfer these rights and remedies to the Company. The Assured permits the Company to sue, compromise, or settle in the name of the Assured and to use the name of the Assured in any transaction or litigation involving these rights and remedies. b.If a payment on account of a claim does not fully cover the loss of the Assured, the Company defers the exercise of its subrogation right until after the Assured fully recovers its loss. c.The Company's subrogation right includes the Assured's rights to indemnity, guaranty, warranty, insurance policy, or bond, despite any provision in those instruments that addresses recovery or subrogation rights. 11.LIABILITY LIMITED TO THIS GUARANTEE; GUARANTEE ENTIRE CONTRACT a.This guarantee together with all endorsements, if any, issued by the Company is the entire guarantee and contract between the Assured and the Company. In interpreting any provision of this guarantee, this guarantee must be construed as a whole. b.Any amendment of this guarantee must be by a written endorsement issued by the Company. To the extent any term or provision of an endorsement is inconsistent with any term or provision of this guarantee, the term or provision of the endorsement controls. Unless the endorsement expressly states, it does not: i.modify any prior endorsement, ii.extend the Date of Guarantee, iii.insure against loss or damage exceeding the Amount of Liability, or iv.increase the Amount of Liability. 12.SEVERABILITY In the event any provision of this guarantee, in whole or in part, is held invalid or unenforceable under applicable law, this guarantee will be deemed not to include that provision or such part held to be invalid, but all other provisions shall remain in full force and effect. 13.CHOICE OF LAW; FORUM a.Choice of Law: The Company has underwritten the assurances covered by this guarantee and determined the premium charged in reliance upon the State law affecting interests in real property and the State law applicable to the interpretation, rights, remedies, or enforcement of guarantees and policies of title insurance of the State where the Land is located. The State law of the State where the Land is located, or to the extent it controls, federal law, will determine the validity of claims and the interpretation and enforcement of the terms of this guarantee, without regard to conflicts of law principles to determine the applicable law. b.Choice of Forum: Any litigation or other proceeding brought by the Assured against the Company must be filed only in a State or federal court having jurisdiction. 14.NOTICES, WHERE SENT All notices required to be given the Company and any statement in writing required to be furnished the Company must include the number of this guarantee and must be addressed to the Company at: Fidelity National Title Insurance Company P.O. Box 45023 Jacksonville, FL 32232-5023 Attn: Claims Department 15.ARBITRATION a.All claims and disputes arising out of or relating to this guarantee, including any service or other matter in connection with issuing this guarantee, or any breach of a guarantee provision, may be resolved by arbitration. If the Amount of Liability is Two Million and No/100 Dollars ($2,000,000) or less, any claim or dispute may be submitted to binding arbitration at the election of either the Company or the Insured. If the Amount of Liability is greater than Two Million and No/100 Dollars ($2,000,000), any claim or dispute may be submitted to binding arbitration only when agreed to by both the Company and the Assured. Arbitration must be conducted pursuant to the Title Insurance Arbitration Rules of the American Land Title Association ("ALTA Rules"). The ALTA Rules are available online at www.alta.org/arbitration. The ALTA Rules incorporate, as appropriate to a particular dispute, the Consumer Arbitration Rules and Commercial Arbitration Rules of the American Arbitration Association ("AAA Rules"). The AAA Rules are available online at www.adr.org. b.ALL CLAIMS AND DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY. NO PARTY MAY SERVE AS PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING IN ANY ARBITRATION GOVERNED BY CONDITION 15. The arbitrator does not have authority to conduct any class action arbitration, private attorney general arbitration, or arbitration involving joint or consolidated claims under any circumstance. c.If there is a final judicial determination that a request for particular relief cannot be arbitrated in accordance with this Condition 15, then only that request for particular relief may be brought in court. All other requests for relief remain subject to this Condition 15. END OF CONDITIONS CLTA Guarantee Exclusions and Conditions (02-06-25) This map/plat is being furnished as an aid in locating the herein described Land in relation to adjoining streets, natural boundaries, and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the Company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.