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Title Policy 0 CHICAGO TITLE INSURANCE COMPANY SCHEDULE A Name and Address of Title Insurance Company: Oropeza Stones&Cardenas, PLLC 221 Simonton Street Key West, FL 33040 File No.: 24-510 Policy No.: 7251209-232832053 Address Reference: 41 South Drive, Key Largo, Monroe County, Florida (For information only) Amount of Insurance: $180,000.00 Premium: $975.00 Date of Policy: September 3, 2024 (or the date of recording of the instrument executed at closing vesting title in the insured,whichever is later) 1. Name of Insured: Monroe County, Florida, a political subdivision of the State of Florida 2. The estate or interest in the Land that is insured by this policy is: Fee Simple 3. Title is vested in: Monroe County, Florida, a political subdivision of the State of Florida 4. The Land referred to in this policy is described as follows: • Amended Lot 5, of Block 6, STILLWRIGHT POINT PLAT NO. 2, according to the Plat thereof, as recorded in Plat Book 4, Page 154, of the Public Records of Monroe County, Florida; being more particularly described as follows: Beginning at the Southeasterly corner of Lot 5 of Block 6, STILLWRIGHT POINT PLAT NO.2 as recorded in Plat Book 4, Page 154, of the Public Records of Monroe County, thence N 00 degrees 00'00" E along the East line of said Lot 5, a distance of 77.74 feet; thence S 76 degrees 00'0.0"W a distance of 63.31 feet to a Point on the West line of said Lot 5 and the East right of way line of South Drive, said Point begin on a Non Tangential curve with a Radius of 490 feet and a Central angle of 4 degrees 22'49";thence Southerly along the ARC of said Curve, a Distance 37.46 feet to the Point of Reverse Curvature of a curve to the left, having a Radius of 25.00 feet and a Central Angle of 90 degrees 00'00":thence Southeasterly along the ARC of said Curve, a distance of 39.27 feet; thence N 90 degrees 00'00" E, a distance of 35.00 feet to the Point of Beginning. By: Authorized Signatory THE TELEPHONE NUMBER TO PRESENT INQUIRIES OR OBTAIN INFORMATION ABOUT COVERAGE AND TO PROVIDE ASSISTANCE IS 1-800-669-7450 THIS POLICY VALID ONLY IF SCHEDULE B IS ATTACHED ALTA Owner's Policy 6/17/06) 7230609 1 of 2 (With Florida Modifications) Copyright American Land Title Association.All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA mm. members in as ofdate ofuse. uses good standing the All other are prohibited.Reprintedunderlicense from the American Land Title I.Ati'f7 T'ITCI. Association ASSOCIATION •1r CCHICAGO TITLE o) INSURANCE COMPANY SCHEDULE B EXCEPTIONS FROM COVERAGE This policy does not insure against loss or damage, and the Company will not pay costs, attorneys'fees, or expenses that arise by reason of: 1. Taxes and assessments for the year 2024 and subsequent years, which are not yet due and payable. 2. Easements, claims of easements, boundary line disputes, overlaps, encroachments or other matters not shown by the public records which would be disclosed by an accurate survey of the land. 3. Rights or claims of parties in possession not shown by the public records. 4. Any lien, or right to a lien,for services, labor, or materials heretofore or hereafter furnished, imposed by law and not shown by the public records. 5. Taxes or assessments which are not shown as existing liens in the public records. 6. Any claim that any portion of the insured land is sovereign lands of the State of Florida, including submerged, filled or artificially exposed lands accreted to such land. 7. Any lien provided by Chapter 159, Florida Statutes, in favor of any city, town, village or port authority for unpaid service charges for service by any water, sewer or gas system supplying the insured land. 8. Schedule B, Items 3, 4, and 5 are hereby deleted in their entirety. • THE TELEPHONE NUMBER TO PRESENT INQUIRIES OR OBTAIN INFORMATION ABOUT COVERAGE AND TO PROVIDE ASSISTANCE IS 1-800-669-7450 ALTA Owner's Policy(6/17/06) 7230609 2 of 2 (with Florida Modifications) Copyright American Land Title Association.All rights reserved.The use of this Form is restricted to ALTA licensees and ALTA members in good standingas of the date of use.All other uses are prohibited.Reprinted under license from the American Land Title p I.A1 T)T17'l.F. Association ASSOCIATION File # 11842490-SUN Customer Reference: 24-510 Chicago Title Insurance Company TITLE INFORMATION BRINGDOWN Oropeza, Stones & Cardenas, PLLC 221 Simonton St. , Key West, FL 33040 RE: Seller/Owner: Kevin Michael Guy Buyer/Borrower: Monroe County, Florida, a political subdivision of the State of Florida Property Address: 41 South Drive Key Largo, FL 33037 Monroe County, Florida Pursuant to your request, the Company has caused a search to be made of the Public Records of Monroe County, Florida, solely as revealed by its title plant indices, from 08/15/2024 at 11:00 PM through 09/09/2024 at 11:00 PM and said search reveals that the following documents have been recorded during said period: 1. Warranty Deed recorded September 3, 2024 in ORB 3291 PG 145 NOTE: Cash Transaction. Name Search on Buyer is not required. CAUTION: A determination of the validity and effect of any instrument listed above must be made before any commitment, policy, or endorsement is issued in reliance thereon. Report Generated: 9/17/2024 Bringdown Page 1 of 1 0 CHICAGO TITLE INSURANCECOMPANY Policy No.: 137572-1-24-510-2024.7251209-232832053 ALTA OWNER'S POLICY OF TITLE INSURANCE Issued by CHICAGO TITLE INSURANCE COMPANY This policy, when issued by the Company with a Policy Number and the Date of Policy, is valid even if this policy or any endorsement to this policy 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 policy must be given to the Company at the address shown in Condition 17. COVERED RISKS SUBJECT TO THE EXCLUSIONS FROM COVERAGE, THE (including an encroachment of an improvement EXCEPTIONS FROM COVERAGE CONTAINED IN SCHEDULE across the boundary lines of the Land), but B, AND THE CONDITIONS, CHICAGO TITLE INSURANCE only if the encumbrance, violation, variation, COMPANY, a Florida corporation, (the "Company") insures adverse circumstance, boundary line overlap, as of the Date of Policy and, to the extent stated in Covered or encroachment would have been disclosed by Risks 9 and 10, after the Date of Policy, against loss or an accurate and complete land title survey of damage, not exceeding the Amount of Insurance, sustained the Land. or incurred by the Insured by reason of: 3. Unmarketable Title. 4. No right of access to and from the Land. 1. The Title being vested other than as stated in 5. A violation or enforcement of a law, ordinance, Schedule A. permit, or governmental regulation (including those 2. Any defect in or lien or encumbrance on the Title. relating to building and zoning) but only to the Covered Risk 2 includes, but is not limited to, extent of the violation or enforcement described by insurance against loss from: the enforcing governmental authority in an (a) a defect in the Title caused by: Enforcement Notice that identifies a restriction, i. forgery, fraud, undue influence, regulation, or prohibition relating to: duress, incompetency, incapacity, or (a) the occupancy, use, or enjoyment of the Land; impersonation; (b) the character, dimensions, or location of an ii. the failure of a person or Entity to improvement on the Land; have authorized a transfer or conveyance; (c) the subdivision of the Land; or iii. a document affecting the Title not (d) environmental remediation or protection on the properly authorized, created, executed, Land. witnessed, sealed, acknowledged, 6. An enforcement of a governmental forfeiture, notarized (including by remote online police, regulatory, or national security power, but notarization), or delivered; only to the extent of the enforcement described by iv. a failure to perform those acts the enforcing governmental authority in an necessary to create a document by Enforcement Notice. electronic means authorized by law; 7. An exercise of the power of eminent domain, but v. a document executed under a falsified, only to the extent: expired, or otherwise invalid power of (a) of the exercise described in an Enforcement attorney; Notice; or vi. a document not properly filed, (b) the taking occurred and is binding on a recorded, or indexed in the Public purchaser for value without Knowledge. Records including the failure to have 8. An enforcement of a PACA-PSA Trust, but only to performed those acts by electronic the extent of the enforcement described in an means authorized by law; Enforcement Notice. vii. a defective judicial or administrative 9. The Title being vested other than as stated in proceeding; or Schedule A, the Title being defective, or the effect viii. the repudiation of an electronic of a court order providing an alternative remedy: signature by a person that executed a (a) resulting from the avoidance, in whole or in document because the electronic part, of any transfer of all or any part of the signature on the document was not Title to the Land or any interest in the Land valid under applicable electronic occurring prior to the transaction vesting the transactions law. Title because that prior transfer constituted a: (b) the lien of real estate taxes or assessments i. fraudulent conveyance, fraudulent transfer, imposed on the Title by a governmental or preferential transfer under federal authority due or payable, but unpaid. bankruptcy, state insolvency, or similar (c) the effect on the Title of an encumbrance, state or federal creditors'rights law; or violation, variation, adverse circumstance, ii. voidable transfer under the Uniform boundary line overlap, or encroachment Voidable Transactions Act; or 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 Copyright 2021 American Land Title Association.All rights reserved.The use of this Form (or any derivative thereof) is restricted to ."!m ALTA licensees and ALTA members in good standing as of the date of use.All other uses are prohibited. Reprinted under license from tatttl the American Land Title Association. ik Page 1 • (b) because the instrument vesting the Title the Title in the Public Records to impart constitutes a preferential transfer under federal notice of its existence to a purchaser for bankruptcy, state insolvency, or similar state or value or to a judgment or lien creditor. federal creditors'rights law by reason of the 10. Any defect in or lien or encumbrance on the Title or failure: other matter included in Covered Risks 1 through 9 i. to timely record the instrument vesting the that has been created or attached or has been filed Title in the Public Records after execution or recorded in the Public Records subsequent to the and delivery of the instrument to the Date of Policy and prior to the recording of the Insured; or deed or other instrument vesting the Title in the ii. of the recording of the instrument vesting Public Records. DEFENSE OF COVERED CLAIMS The Company will also pay the costs, attorneys' fees, and expenses incurred in defense of any matter insured against by this policy, but only to the extent provided in the Conditions CHICAGO TITLE INSURANCE COMPANY Countersigned: By: Authorized Officer or Agent By: )144" Oropeza, Stones &Cardenas, PLLC 221 Simonton St Key West, FL 33040-6653 Michael J.:Nolan Tel:305-294-0252 President Fax:305-292-5442 Attest: 7.11474414-- ) e, tt - .Mrjorie Nemzura Secretary EXCLUSIONS FROM COVERAGE The following matters are excluded from the coverage of (d) attaching or created subsequent to the Date of this policy, and the Company will not pay loss or damage, Policy (Exclusion 3.d. does not modify or limit the costs, attorneys'fees, or expenses that arise by reason of: coverage provided under Covered Risk 9 or 10); or 1. (a) any law, ordinance, permit, or governmental (e) resulting in loss or damage that would not have regulation (including those relating to building and been sustained if consideration sufficient to qualify zoning) that restricts, regulates, prohibits, or the Insured named in Schedule A as a bona fide relates to: purchaser had been given for the Title at the Date i the occupancy, use, or enjoyment of the Land; of Policy. ii the character, dimensions or location of any 4. Any claim, by reason of the operation of federal improvement on the Land; bankruptcy, state insolvency, or similar creditors' rights iii the subdivision of land; or law, that the transaction vesting the Title as shown in iv environmental remediation or protection; Schedule A, is a: (b) any governmental forfeiture, police, regulatory, or (a) fraudulent conveyance or fraudulent transfer; national security power. - (b) voidable transfer under the Uniform Voidable (c) the effect of a violation or enforcement of any Transactions Act; or matter excluded under Exclusion 1.a. or 1.b. (c) preferential transfer: Exclusion 1 does not modify or limit the coverage i. to the extent the instrument of transfer provided under Covered Risk 5 or 6. vesting the Title as shown in Schedule A is 2. Any power of eminent domain. Exclusion 2 does not not a transfer made as a contemporaneous modify or limit the coverage provided under Covered exchange for new value; or Risk 7. ii. for any other reason not stated in Covered 3. Any defect, lien, encumbrance, adverse claim, or other Risk 9.b. matter: 5. Any claim of a PACA-PSA Trust. Exclusion 5 does not (a) created, suffered, assumed, or agreed to by the modify or limit the coverage provided under Covered Insured Claimant; Risk 8. (b) not Known to the Company, not recorded in the 6. Any lien on the Title for real estate taxes or Public Records at the Date of Policy, but Known to assessments imposed or collected by a governmental the Insured Claimant and not disclosed in writing to authority that becomes due and payable after the Date the Company by the Insured Claimant prior to the of Policy. Exclusion 6 does not modify or limit the date the Insured Claimant became an Insured coverage provided under Covered Risk 2.b. under this policy; 7. Any discrepancy in the quantity of the area, square (c) resulting in no loss or damage to the Insured footage, or acreage of the Land or of any improvement Claimant; to the Land. CONDITIONS 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 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 =! g the American Land Title Association. na®q.ILTIb' Page 2 `: ` 1. DEFINITION OF TERMS effective on the death of an In this policy, the following terms have the meanings given Insured as authorized by law; to them below. Any defined term includes both the singular or and the plural, as the context requires: (5).another Insured named in Item 1 (a) "Affiliate": An Entity: of Schedule A. i. that is wholly owned by the Insured; ii. The Company reserves all rights and ii. that wholly owns the Insured; or defenses as to any successor or grantee iii. if that Entity and the Insured are both wholly that the Company would have had against owned by the same person or entity. any predecessor Insured. (b) "Amount of Insurance": The Amount of Insurance (h) "Insured Claimant": An Insured claiming loss or stated in Schedule A, as may be increased by damage arising under this policy. Condition 8.d. or decreased by Condition 10 or (i) "Knowledge" or "Known": Actual knowledge or 11; or increased or decreased, by endorsements actual notice, but not constructive notice to this policy. imparted by the Public Records. (c) "Date of Policy": The Date of Policy stated in (j) "Land": The land described in Item 4 of Schedule Schedule A. A and improvements located on that land at the (d) "Discriminatory Covenant": Any covenant, Date of Policy that by State law constitute real condition, restriction, or limitation that is property. The term "Land" does not include any unenforceable under applicable law because it property beyond that described in Schedule A, illegally discriminates against a class of nor any right, title, interest, estate, or easement individuals based on personal characteristics such in any abutting street, road, avenue, alley, lane, as race, color, religion, sex, sexual orientation, right-of-way, body of water, or waterway, but gender identity, familial status, disability, national. does not modify or limit the extent that a right of origin, or other legally protected class. access to and from the Land is insured by this (e) "Enforcement Notice": A document recorded in policy. the Public Records that describes any part of the (k) "Mortgage": A mortgage, deed of trust, trust Land and: deed, security deed, or other real property i. is issued by a governmental agency that security instrument, including one evidenced by identifies a violation or enforcement of a law, electronic means authorized by law. ordinance, permit, or governmental (I) "PACA-PSA Trust": A trust under the federal regulation; Perishable Agricultural Commodities Act or the ii. is issued by a holder of the power of eminent federal Packers and Stockyards Act or a similar domain or a governmental agency that State or federal law. identifies the exercise of a governmental (m) "Public Records": The recording or filing system power; or established under State statutes in effect at the iii. asserts a right to enforce a PACA-PSA Trust. Date of Policy under which a document must be (f) "Entity": A corporation, partnership, trust, limited recorded or filed to impart constructive notice of liability company, or other entity authorized by matters relating to the Title to a purchaser for law to own title to real property in the State value without Knowledge. The term "Public where the Land is located. Records" does not include any other recording or (g) "Insured": filing system, including any pertaining to i. a. The Insured named in Item 1 of environmental remediation or protection, Schedule A; planning, permitting, zoning, licensing, building, b. the successor to the Title of an health, public safety, or national security matters. Insured by operation of law as (n) "State": The state or commonwealth of the United distinguished from purchase, States within whose exterior boundaries the Land including heirs, devisees, survivors, is located. The term "State" also includes the personal representatives, or next of District of Columbia, the.Commonwealth of Puerto kin; Rico, the U.S. Virgin Islands, and Guam. c. the successor to the Title of an (o) "Title": The estate or interest in the Land Insured resulting from dissolution, identified in Item 2 of Schedule A. merger, consolidation, distribution, (p) "Unmarketable Title": The Title affected by an or reorganization; alleged or apparent matter that would permit a d. the successor to the Title of an prospective purchaser or lessee of the Title or a Insured resulting from its conversion lender on the Title to be released from the to another kind of Entity; or obligation to purchase, lease, or lend if there is a e. the grantee of an Insured under a contractual condition requiring the delivery of deed or other instrument transferring marketable title. the Title, if the grantee is: 2. CONTINUATION OF COVERAGE (1).an Affiliate; This policy continues as of the Date of Policy in favor of an (2).a trustee or beneficiary of a trust Insured, so long as the Insured: created by a written instrument (a) retains an estate or interest in the Land; established for estate planning (b) owns an obligation secured by a purchase money purposes by an Insured; Mortgage given by a purchaser from the Insured; or (3).a spouse who receives the Title (c) has liability for warranties given by the Insured in any because of a dissolution of transfer or conveyance of the Insured's Title. marriage; Except as provided in Condition 2, this policy terminates (4).a transferee by a transfer and ceases to have any further force or effect after the 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 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 mom the American Land Title Association. Page 3 Insured conveys the Title. This policy does not continue in settlement; and force or effect in favor of any person or entity that is not ii.any other lawful act that in the opinion of the the Insured and acquires the Title or an obligation secured Company may be necessary or desirable to establish by a purchase money Mortgage given to the Insured. the Title or any other matter, as insured. 3. NOTICE OF CLAIM TO BE GIVEN BY INSURED If the Company is prejudiced by any failure of the Insured CLAIMANT to furnish the required cooperation, the Company's liability The Insured must notify the Company promptly in writing if and obligations to the Insured under this policy terminate, the Insured has Knowledge of: including any obligation to defend, prosecute, or continue (a) any litigation or other matter for which the Company any litigation, regarding the matter requiring such may be liable under this policy; or cooperation. (b) any rejection of the Title as Unmarketable Title. (b) The Company may reasonably require the Insured If the Company is prejudiced by the failure of the Claimant to submit to examination under oath by any Insured Claimant to provide prompt notice, the authorized representative of the Company and to produce Company's liability to the Insured Claimant under this for examination, inspection, and copying, at such policy is reduced to the extent of the prejudice. reasonable times and places as may be designated by the 4. PROOF OF LOSS authorized representative of the Company, all records, in The Company may, at its option, require as a condition of whatever medium maintained, including books, ledgers, payment that the Insured Claimant furnish a signed proof checks, memoranda, correspondence, reports, e-mails, of loss. The proof of loss must describe the defect, lien, disks, tapes, and videos, whether bearing a date before or encumbrance, adverse claim, or other matter insured after the Date of Policy, that reasonably pertain to the loss against by this policy that constitutes the basis of loss or or damage. Further, if requested by any authorized damage and must state, to the extent possible, the basis of representative of the Company, the Insured Claimant must calculating the amount of the loss or damage. grant its permission, in writing, for any authorized 5. DEFENSE AND PROSECUTION OF ACTIONS representative of the Company to examine, inspect, and (a) Upon written request by the Insured, and subject to copy all the records in the custody or control of a third the options contained in Condition 7, the Company, at its party that reasonably pertain to the loss or damage. No own cost and without unreasonable delay, will provide for information designated in writing as confidential by the the defense of an Insured in litigation in which any third Insured Claimant provided to the Company pursuant to party asserts a claim covered by this policy adverse to the Condition 6 will be later disclosed to others unless, in the Insured. This obligation is limited to only those stated reasonable judgment of the Company, disclosure is causes of action alleging matters insured against by this necessary in the administration of the claim or required by policy. The Company has the right to select counsel of its law. Any failure of the Insured Claimant to submit for choice (subject to the right of the Insured to object for examination under oath, produce any reasonably requested reasonable cause) to represent the Insured as to those information, or grant permission to secure reasonably covered causes of action. The Company is not liable for and necessary information from third parties as required in will not pay the fees of any other counsel. The Company Condition 6.b., unless prohibited by law, terminates any will not pay any fees, costs, or expenses incurred by the liability of the Company under this policy as to that claim. Insured in the defense of any cause of action that alleges 7. OPTIONS TO PAY OR OTHERWISE SETTLE CLAIMS; matters not insured against by this policy. TERMINATION OF LIABILITY (b) The Company has the right, in addition to the options In case of a claim under this policy, the Company has the contained in Condition 7, at its own cost, to institute and following additional options: prosecute any action or proceeding or to do any other act (a) To Pay or Tender Payment of the Amount of that in its opinion may be necessary or desirable to Insurance. establish the Title, as insured, or to prevent or reduce loss To pay or tender payment of the Amount of Insurance or damage to the Insured. The Company may take any under this policy. In addition, the Company will pay any appropriate action under the terms of this policy, whether costs, attorneys' fees, and expenses incurred by the or not it is liable to the Insured. The Company's exercise of Insured Claimant that were authorized by the Company up these rights is not an admission of liability or waiver of any to the time of payment or tender of payment and that the provision of this policy. If the Company exercises its rights Company is obligated to pay. under Condition 5.b., it must do so diligently. Upon the exercise by the Company of this option provided (c) When the Company brings an action or asserts a for in Condition 7.a., the Company's liability and defense as required or permitted by this policy, the obligations to the Insured under this policy terminate, Company may pursue the litigation to a final determination including any obligation to defend, prosecute, or continue by a court having jurisdiction. The Company reserves the any litigation. right, in its sole discretion, to appeal any adverse judgment (b) To Pay or Otherwise Settle with Parties other than the or order. Insured or with the Insured Claimant 6. DUTY OF INSURED CLAIMANT TO COOPERATE i. To pay or otherwise settle with parties other than (a) When this policy permits or requires the Company to the Insured for or in the name of the Insured prosecute or provide for the defense of any action or Claimant. In addition, the Company will pay any proceeding and any appeals, the Insured will secure to the costs, attorneys' fees, and expenses incurred by Company the right to prosecute or provide defense in the the Insured Claimant that were authorized by the action or proceeding, including the right to use, at its Company up to the time of payment and that the option, the name of the Insured for this purpose. Company is obligated to pay; or When requested by the Company, the Insured, at the ii. To pay or otherwise settle with the Insured Company's expense, must give the Company all reasonable Claimant the loss or damage provided for under aid in: this policy. In addition, the Company will pay any i. securing evidence, obtaining witnesses, prosecuting or costs, attorneys' fees, and expenses incurred by defending the action or proceeding, or effecting the Insured Claimant that were authorized by the 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 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. wren. Page 4 - Company up to the time of payment and that the iii. cures the claim of Unmarketable Title, Company is obligated to pay. ' all as insured. The Company may do so by Upon the exercise by the Company of either option any method, including litigation and the provided for in Condition 7.b., the Company's liability and completion of any appeals. obligations to the Insured under this policy for the claimed (b) The Company is not liable for loss or damage arising loss or damage terminate, including any obligation to out of any litigation, including litigation by the defend, prosecute, or continue any litigation. Company or with the Company's consent, until a 8. CONTRACT OF INDEMNITY; DETERMINATION AND State or federal court having jurisdiction makes a EXTENT OF LIABILITY final, non-appealable determination adverse to the This policy is a contract of indemnity against actual Title. monetary loss or damage sustained or incurred by an (c) The Company is not liable for loss or damage to the Insured Claimant who has suffered loss or damage by Insured for liability voluntarily assumed by the reason of matters insured against by this policy. This policy Insured in settling any claim or suit without the prior is not an abstract of the Title, report of the condition of the written consent of the Company. Title, legal opinion, opinion of the Title, or other (d) The Company is not liable for the content of the representation of the status of the Title. All claims asserted Transaction Identification Data, if any. under this policy are based in contract and are restricted to 10. REDUCTION OR TERMINATION OF INSURANCE the terms and provisions of this policy. The Company is not All payments under this policy, except payments made for liable for any claim alleging negligence or negligent costs, attorneys' fees, and expenses, reduce the Amount misrepresentation arising from or in connection with this of Insurance by the amount of the payment. policy or the determination of the insurability of the Title. 11. LIABILITY NONCUMULATIVE (a) The extent of liability of the Company for loss or The Amount of Insurance will be reduced by any amount damage under this policy does not exceed the lesser the Company pays under any policy insuring a Mortgage of: to which exception is taken in Schedule B or to which the i. the Amount of Insurance; or Insured has agreed, assumed, or taken subject, or which ii. the difference between the fair market value of is executed by an Insured after the Date of Policy and the Title, as insured, and the fair market value of which is a charge or lien on the Title, and the amount so the Title subject to the matter insured against by paid will be deemed a payment to the Insured under this this policy. policy. (b) Except as provided in Condition 8.c. or 8.d., the fair 12. PAYMENT OF LOSS market value of the Title in Condition 8.a.ii. is When liability and the extent of loss or damage are calculated using the date the Insured discovers the determined in accordance with the Conditions, the defect, lien, encumbrance, adverse claim, or other Company will pay the loss or damage within 30 days. matter insured against by this policy. 13. COMPANY'S RECOVERY AND SUBROGATION RIGHTS (c) If, at the Date of Policy, the Title to all of the Land is UPON SETTLEMENT AND PAYMENT void by reason of a matter insured against by this (a) If the Company settles and pays a claim under this policy, then the Insured Claimant may, by written policy, it is subrogated and entitled to the rights and notice given to the Company, elect to use the Date of remedies of the Insured Claimant in the Title and all Policy as the date for calculating the fair market value other rights and remedies in respect to the claim that of the Title in Condition 8.a.ii. the Insured Claimant has against any person, entity, (d) If the Company pursues its rights under Condition or property to the fullest extent permitted by law, but 5.b. and is unsuccessful in establishing the Title, as limited to the amount of any loss, costs, attorneys' insured: fees, and expenses paid by the Company. If i. the Amount of Insurance will be increased by requested by the Company, the Insured Claimant 15%; and must execute documents to transfer these rights and ii. the Insured Claimant may, by written notice given remedies to the Company. The Insured Claimant to the Company, elect, as an alternative to the permits the Company to sue, compromise, or settle in dates set forth in Condition 8.b. or, if it applies, the name of the Insured Claimant and to use the 8.c., to use either the date the settlement, action, name of the Insured Claimant in any transaction or proceeding, or other act described in Condition litigation involving these rights and remedies. 5.b. is concluded or the date the notice of claim (b) If a payment on account of a claim does not fully required by Condition 3 is received by the cover the loss of the Insured Claimant, the Company Company as the date for calculating the fair defers the exercise of its subrogation right until after market value of the Title in Condition 8.a.ii. the Insured Claimant fully recovers its loss. (e) In addition to the extent of liability for loss or damage (c) The Company's subrogation right includes the under Conditions 8.a. and 8.d., the Company will also Insured's rights to indemnity, guaranty, warranty, pay the costs, attorneys' fees, and expenses incurred insurance policy, or bond, despite any provision in in accordance with Conditions 5 and 7. those instruments that addresses recovery or 9. LIMITATION OF LIABILITY subrogation rights. (a) The Company fully performs its obligations and is not 14. POLICY ENTIRE CONTRACT liable for any loss or damage caused to the Insured if (a) This policy together with all endorsements, if any, the Company accomplishes any of the following in a issued by the Company is the entire policy and reasonable manner: contract between the Insured and the Company. In i. removes the alleged defect, lien, interpreting any provision of this policy, this policy will encumbrance, adverse claim, or other be construed as a whole. This policy and any matter; endorsement to this policy may be evidenced by ii. cures the lack of a right of access to and from electronic means authorized by law. the Land; or 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 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. !4 a6:1 t1.11 Page 5 �, • (b) Any amendment of this policy must be by a written Any notice of claim and any other notice or statement in endorsement issued by the Company. To the extent writing required to be given to the Company under this any term or provision of an endorsement is policy must be given to the Company at CHICAGO TITLE inconsistent with any term or provision of this policy, INSURANCE COMPANY, Attn: Claims Department, P.O. the term or provision of the endorsement controls. Box 45023, Jacksonville, FL 32232-5023. Unless the endorsement expressly states, it does not: 18. ARBITRATION i. modify any prior endorsement, (a) All claims and disputes arising out of or relating to ii. extend the Date of Policy, this policy, including any service or other matter in iii. insure against loss or damage exceeding the connection with issuing this policy, any breach of a Amount of Insurance, or policy provision, or any other claim or dispute arising iv. increase the Amount of Insurance. out of or relating to the transaction giving rise to this 15. SEVERABILITY policy, may be submitted to binding arbitration only In the event any provision of this policy, in whole or in when agreed to by both the Company and the part, is held invalid or unenforceable under applicable law, Insured. Arbitration must be conducted pursuant to this policy will be deemed not to include that provision or the Title Insurance Arbitration Rules of the American the part held to be invalid, but all other provisions will Land Title Association ("ALTA Rules"). The ALTA Rules remain in full force and effect. are available online at www.alta.org/arbitration. The 16.CHOICE OF LAW AND CHOICE OF FORUM ALTA Rules incorporate, as appropriate to a particular (a) Choice of Law dispute, the Consumer Arbitration Rules and The Company has underwritten the risks covered by Commercial Arbitration Rules of the American this policy and determined the premium charged in Arbitration Association ("AAA Rules"). The AAA Rules reliance upon the State law affecting interests in real are available online at www.adr.org. property and the State law applicable to the (b) If there is a final judicial determination that a request interpretation, rights, remedies, or enforcement of for particular relief cannot be arbitrated in accordance policies of title insurance of the State where the Land with this Condition 18, then only that request for is located. particular relief may be brought in court. All other The State law of the State where the Land is located, requests for relief remain subject to this Condition 18. or to the extent it controls, federal law, will determine (c) Fees will be allocated in accordance with the the validity of claims against the Title and the applicable AAA Rules. The results of arbitration will be interpretation and enforcement of the terms of this binding upon the parties. The arbitrator may consider, policy, without regard to conflicts of law principles to but is not bound by, rulings in prior arbitrations determine the applicable law. involving different parties. The arbitrator is bound by (b) Choice of Forum rulings in prior arbitrations involving the same parties Any litigation or other proceeding brought by the to the extent required by law. The arbitrator must Insured against the Company must be filed only in a issue a written decision sufficient to explain the State or federal court having jurisdiction. findings and conclusions on which the award is based. 17. NOTICES Judgment upon the award rendered by the arbitrator may be entered in any State or federal court having jurisdiction. 7251209 ALTA Owner's Policy 07/01/21 w-FL Mod_512 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 ,,,0'!!!'! the American Land Title Association. k••+bc.utt4+y Page 6 s 1 FIDELITY NATIONAL FINANCIAL PRIVACY NOTICE Effective July 1,2024 Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF," "our," or"we") respect and are committed to protecting your privacy. This Privacy Notice explains how 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 that information. A limited number of FNF subsidiaries have their own privacy notices. If a subsidiary has its own privacy notice,the privacy notice will be available on the subsidiary's website and this Privacy Notice does not apply. Collection of Personal Information FNF may collect the following categories of Personal Information: •• contact information(e.g.,name, address,phone number, email address); • demographic information(e.g.,date of birth,gender,marital status); • identity information(e.g. Social Security Number,driver's license,passport,or other government ID number); • financial account information(e.g. loan or bank account information); • biometric data(e.g.,fingerprints,retina or iris scans,voiceprints, or other unique biological characteristics; and • other personal information necessary to provide products or services to you. We may collect Personal Information about you from: • information we receive from you or your agent; • information about your transactions with FNF,our affiliates, or others; and • information we receive from consumer reporting agencies and/or governmental entities, either directly from these entities or through others. Collection of Browsing Information FNF automatically collects the following categories of Browsing Information when you access an FNF website, online service, or application(each an"FNF Website")from your Internet browser,computer, and/or device: • Internet Protocol(IP)address and operating system; • browser version,language,and type; • domain name system requests; and • browsing history on the FNF Website, such as date and time of your visit to the FNF Website and visits to the pages within the FNF Website. Like most websites,our servers automatically log each visitor to the FNF Website and may collect the Browsing Information described above. We use Browsing Information for system administration, troubleshooting, fraud investigation, and to improve our websites. Browsing Information generally does not reveal anything personal about you, though if you have created a user account for an FNF Website and are logged into that account, the FNF Website may be able to link certain browsing activity to your user account. Other Online Specifics Cookies. When you visit an FNF Website, a"cookie"may be sent to your computer. A cookie is a small piece of data that is sent to your Internet browser from a web server and stored on your computer's hard drive. Information gathered using cookies helps us improve your user experience. For example, a cookie can help the website load properly or can customize the display page based on your browser type and user preferences. You can choose whether or not to accept cookies by changing your Internet browser settings. Be aware that doing so may impair or limit some functionality of the FNF Website. Web Beacons. We use web beacons to determine when and how many times a page has been viewed. This information is used to improve our websites. Do Not Track. Currently our FNF Websites do not respond to"Do Not Track"features enabled through your browser. Effective July 1,2024 Copyright©2024.Fidelity National Financial,Inc.All Rights Reserved. • Links to Other Sites. FNF Websites may contain links to unaffiliated third-party websites. FNF is not responsible for the privacy practices or content of those websites.We recommend that you read the privacy policy of every website you visit. Use of Personal Information FNF uses Personal Information for these main purposes: • To provide products and services to you or in connection with a transaction involving you; • To improve our products and services; • To prevent and detect fraud; • To maintain the security of our systems,tools, accounts,and applications; • To verify and authenticate identities and credentials; • To communicate with you about our, our affiliates',and others' products and services,jointly or independently; • To provide reviews and testimonials about our services,with your consent. When Information Is Disclosed We may disclose the categories of Personal Information and Browsing Information listed above for the following purposes: • to enable us to detect or prevent criminal activity, fraud,material misrepresentation, or nondisclosure; • to affiliated or nonaffiliated service providers who provide or perform services or functions on our behalf and who agree to use the information only to provide such services or functions; • to affiliated or nonaffiliated third parties with whom we perform joint marketing, pursuant to an agreement with them to jointly market financial products or services to you; • to law enforcement or authorities in connection with an investigation,or in response to a subpoena or court order;or • in the good-faith belief that such disclosure is necessary to comply with legal process or applicable laws, or to protect the rights,property, or safety of FNF,its customers,or the public. The law does not require your prior authorization 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 nonaffiliated third parties, except as required or permitted by law. We reserve the right to transfer your Personal Information, Browsing Information, and any other information, in connection with the sale,or other disposition of all or part of the FNF business and/or assets, or in the event of bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. By submitting Personal Information and/or Browsing Information to FNF, you expressly agree and consent to the use and/or transfer of the foregoing information in connection with any of the above-described proceedings. Security of Your Information We maintain physical, electronic,and procedural safeguards to protect your Personal Information. Choices With Your Information Whether you submit Personal Information or Browsing Information to FNF is entirely up to you. If you decide not to submit Personal Information or Browsing Information,FNF may not be able to provide certain services or products to you. For California Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties, except as permitted by California law. For additional information about your California privacy rights, please visit the"California Privacy"link on our website(https://fnf.com/pages/californiaprivacv.aspx)or call(888)413-1748. For Connecticut Residents: For additional information about your Connecticut consumer privacy rights, or to make a consumer privacy request,or to appeal a previous privacy request,please email privacy( fnf.com or call(888)714-2710. For Colorado Residents: For additional information about your Colorado consumer privacy rights, or to make a consumer privacy request,or appeal a previous privacy request,please email privacy@fnf.com or call(888)714-2710. Effective July 1,2024 Copyright©2024.Fidelity National Financial,Inc.All Rights Reserved. For Nevada Residents: We are providing this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling FNF Privacy at (888) 714-2710 or by contacting us via the information set forth at the end of this Privacy Notice. For further information concerning Nevada's telephone solicitation law, you may contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702)486-3132; email: aginquiries@ag.state.nv.us. For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For additional information about your Oregon consumer privacy rights, or to make a consumer privacy request, or appeal a previous privacy request, please email privacy@fnf.com or call(888)714-2710. We may disclose the categories of Personal Information and Browsing Information listed above to the following categories of third parties: •FNF affiliates and subsidiaries; •Non-affiliated third parties,with your consent; •Businesses in connection with the sale or other disposition of all or part of the FNF business and/or assets; • Service providers; •Law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order. For Texas Residents: For additional information about your Texas consumer privacy rights, or to make a consumer privacy request, or appeal a previous privacy request,please email privacy@fnf.com or call(888)714-2710. We may disclose the categories of Personal Information and Browsing Information listed above to the following categories of third parties: •FNF affiliates and subsidiaries; •Non-affiliated third parties,with your consent; •Businesses in connection with the sale or other disposition of all or part of the FNF business and/or assets; • Service providers; •Law enforcement or authorities in connection with an investigation, or in response to a subpoena or court order. For Utah Residents: For additional information about your Utah consumer privacy rights, or to make a consumer privacy request,please call(888)714-2710. For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law,unless you authorize us to make those disclosures. For Virginia Residents: For additional information about your Virginia consumer privacy rights, or to make a consumer privacy request, or appeal a previous privacy request,please email privacy@fnf.com or call(888)714-2710. Information From Children The FNF Websites are not intended or designed to attract persons under the age of eighteen(18).We do not collect Personal Information from any person that we know to be under the age of thirteen(13)without permission from a parent or guardian. International Users FNF's headquarters is located within the United States. If you reside outside the United States and choose to provide Personal Information or Browsing Information to us, please note that we may transfer that information outside of your country of residence. By providing FNF with your Personal Information and/or Browsing Information, you consent to our collection,transfer,and use of such information in accordance with this Privacy Notice. Effective July 1,2024 Copyright©2024.Fidelity National Financial,Inc.All Rights Reserved. FNF Website Services for Mortgage Loans Certain FNF companies provide services to mortgage loan servicers, including hosting websites that collect customer information on behalf of mortgage loan servicers (the "Service Websites"). The Service Websites may contain links to both this Privacy Notice and the mortgage loan servicer or lender's privacy notice. The sections of this Privacy Notice titled When Information is Disclosed, Choices with Your Information, and Accessing and Correcting Information do not apply to the Service Websites. The mortgage loan servicer or lender's privacy notice governs use, disclosure, and access to your Personal Information. FNF does not share Personal Information collected through the Service Websites, except as required or authorized by contract with the mortgage loan servicer or lender, or as required by law or in the good-faith belief that such disclosure is necessary: to comply with a legal process or applicable law, to enforce this Privacy Notice, or to protect the rights,property,or safety of FNF or the public. Your Consent to this Privacy Notice; Notice Changes By submitting Personal Information and/or Browsing Information to FNF, you consent to the collection and use of the information in accordance with this Privacy Notice. We may change this Privacy Notice at any time. The Privacy Notice's effective date will show the last date changes were made. If you provide information to us following any change of the Privacy Notice,that signifies your assent to and acceptance of the changes to the Privacy Notice. Accessing and Correcting Information; Contact Us If you have questions or would like to correct your Personal Information,visit FNF's Privacy Inquiry Website or contact us by phone at(888) 714-2710,by email at privacy@fnf.com, or by mail to: Fidelity National Financial,Inc. 601 Riverside Avenue Jacksonville,Florida 32204 Attn: Chief Privacy Officer Effective July 1,2024 Copyright©2024.Fidelity National Financial,Inc.All Rights Reserved.