thank you for your transaction! · request to the legal department. you may see and copy the...

Andy Buskirk - Title Officer [email protected] Mike Mjelde - Senior Title Officer [email protected]

Marian Scott -Senior Title Officer [email protected] Lori Bullard -Senior Title Officer, Title Manager [email protected]

Thank you for your transaction!

We have generated an electronic copy of your file for you. Within you will findboth the preliminary title commitment and historical documents on yourtransaction; they are designed such that you can navigate between the commitmentand related documentation with greater ease.

The navigation bar along the left can be used to go directly to bookmarked pages inthe file. If you have questions or desire further information or clarification on yourfile, contact the title unit by clicking one of the links below.

Title Department Contacts:

Title Department Phone: (360) 307-6308 / Fax: (360) 307-6384

Julie Goodman - Chief Title Officer [email protected]

Shelley Hill - Recording/Title Technician [email protected]

We appreciate this opportunity to be of service to you!

E-Mail: <[email protected]>Web Site: <http://www.pnwtkitsap.com>

2021 NW Myhre Road, Suite 300, PO Box 3607, Silverdale, WA 98383

mailto:[email protected]








http://www.pnwtkitsap.com/

Title InsuranceEscrow ServiceReal Estate Resources

Silverdale Bainbridge Island360-692-4141 206-842-20822021 Myhre Road NW Suite 300 921 Hildebrand, Suite 200Silverdale, WA 98383 Bainbridge Island, WA 98110

Our Privacy Policy

We may collect nonpublic personal information about you from the following sources:

Information we receive from you such as on applications or other forms. Information about your transactions we secure from our files, or from others. Information we receive from a consumer reporting agency. Information that we receive from others involved in your transaction, such as the real estate agent or lender.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional nonpublic personalinformation will be collected about you.

WE DO NOT DISCLOSE ANY NONPUBLIC PERSONAL INFORMATION ABOUT YOU WITH ANYONE FOR ANY PURPOSE.

We restrict access to nonpublic personal information about you to those employees who need to know thatinformation in order to provide products or services to you. We maintain physical, electronic, and proceduralsafeguards that comply with federal regulations to guard your nonpublic personal information.

Thank you for choosing Pacific Northwest Title. We value you as a customer and appreciate the opportunity to serveyou.

Commitment for Title Insurance

Issued By Old Republic National Title Insurance CompanyOld Republic NationalTitle Insurance Company, a Minnesota corporation (“Company”), for a valuable, consideration, commits to issue its policy or policies of titleinsurance, as identified in Schedule A, in favor of the Proposed Insured named in Schedule A, as owner or mortgagee of the estate or interest in the landdescribed or referred to in Schedule A, upon payment of the premiums and charges and compliance with the Requirements; all subject to the provisions ofSchedules A and B and to the Conditions of this Commitment.This Commitment shall be effective only when the identity of the Proposed Insured and the amount of the policy or policies committed for have beeninserted in Schedule A by the Company.All liability and obligation under this Commitment shall cease and terminate six (6) months after the Effective Date or when the policy or policiescommitted for shall issue, whichever first occurs, provided that the failure to issue the policy or policies is not the fault of the Company.The Company will provide a sample of the policy form upon request.IN WITNESS WHEREOF, Old Republic National Title Insurance Company has caused its corporate name and seal to be affixed by its duly authorizedofficers on the date shown in Schedule A.

Issued through the Office of

Pacific Northwest Title of KitsapPost Office Box 3607Silverdale, WA 98383

Continued on next pageOLD REPUBLIC NATIONAL TITLE INSURANCE COMPANYA Stock Company400 Second Avenue South, Minneapolis, Minnesota 55401(612) 371-111

ByAuthorized Signatory

President

ORT Form 4308ALTA Commitment for TitleInsurance 6/06

Attest

Secretary

CONDITIONS

1. The term mortgage, when used herein, shall include deed of trust, trust deed, or other security instrument.2. If the proposed Insured has or acquired actual knowledge of any defect, lien, encumbrance, adverse claim or other matter affecting the estate or

interest or mortgage thereon covered by this Commitment other than those shown in Schedule B hereof, and shall fail to disclose such know -edge to the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon tothe extent the Company is prejudiced by failure to so disclose such knowledge. If the proposed Insured shall disclose such knowledge to theCompany, or if the Company otherwise acquires actual knowledge of any such defect, lien, encumbrance, adverse claim or other matter, theCompany at its option may amend Schedule B of this Commitment accordingly, but such amendment shall not relieve the Company from liabilitypreviously incurred pursuant to paragraph 3 of these Conditions and Stipulations.

3. Liability of the Company under this Commitment shall be only to the named proposed Insured and such parties included under the definition ofInsured in the form of policy or policies committed for and only for actual loss incurred in reliance hereon in undertaking in good faith(a) to comply with the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest ormortgage thereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policy or policiescommitted for and such liability is subject to the insuring provisions and Conditions and Stipulations and the Exclusions from Coverage of theform of policy or policies committed for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of thisCommitment except as expressly modified herein.

4. This Commitment is a contract to issue one or more title insurance policies and is not an abstract of title or a report of the condition of title. Anyaction or actions or rights of action that the proposed Insured may have or may bring against the Company arising out of the status of the title tothe estate or interest or the status of the mortgage thereon covered by this Commitment must be based on and are subject to the provisions ofthis Commitment.

5. The policy to be issued contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall bearbitrated at the option of either the Company or the Insured as the exclusive remedy of the parties.You may review a copy of the arbitration rules at: http://www.alta.org/.

Page 2

rev. 07/2016

FACTS WHAT DOES OLD REPUBLIC TITLE DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and employment information • Mortgage rates and payments and account balances • Checking account information and wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Old Republic Title chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Old Republic

Title share?

Can you limit

this sharing?

For our everyday business purposes — such as to process your

transactions, maintain your account(s), or respond to court orders and

legal investigations, or report to credit bureaus

Yes No

For our marketing purposes —

to offer our products and services to you No We don’t share

For joint marketing with other financial companies No We don’t share

For our affiliates’ everyday business purposes —

information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes —

information about your creditworthiness No We don’t share

For our affiliates to market to you No We don’t share

For non-affiliates to market to you No We don’t share

Questions Go to www.oldrepublictitle.com (Contact Us)

http://www.oldrepublictitle.com/

Who we are

Who is providing this notice? Companies with an Old Republic Title name and other affiliates. Please see below for a list of affiliates.

What we do

How does Old Republic Title protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For more information, visit http://www.OldRepublicTitle.com/newnational/Contact/privacy.

How does Old Republic Title collect my personal information?

We collect your personal information, for example, when you:

Give us your contact information or show your driver’s license

Show your government-issued ID or provide your mortgage information

Make a wire transfer

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only:

Sharing for affiliates’ everyday business purposes - information about your creditworthiness

Affiliates from using your information to market to you

Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See the "Other important information" section below for your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include companies with an Old Republic Title name, and financial companies such as Attorneys’ Title Fund Services, LLC, Lex Terrae National Title Services, Inc., Mississippi Valley Title Services Company, and The Title Company of North Carolina.

Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.

• Old Republic Title does not share with non-affiliates so they can market to you

Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Old Republic Title doesn’t jointly market.

Other Important Information

Oregon residents only: We are providing you this notice under state law. We may share your personal information (described on page one) obtained from you or others with non-affiliate service providers with whom we contract, such as notaries and delivery services, in order to process your transactions. You may see what personal information we have collected about you in connection with your transaction (other than personal information related to a claim or legal proceeding). To see your information, please click on "Contact Us" at www.oldrepublictitle.com and submit your written request to the Legal Department. You may see and copy the information at our office or ask us to mail you a copy for a reasonable fee. If you think any information is wrong, you may submit a written request online to correct or delete it. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.

Affiliates Who May be Delivering This Notice

American First Abstract, LLC American First Title & Trust Company

American Guaranty Title Insurance Company

Attorneys' Title Fund Services, LLC

Compass Abstract, Inc.

eRecording Partners Network, LLC

Genesis Abstract, LLC Kansas City Management Group, LLC

L.T. Service Corp. Lenders Inspection Company

Lex Terrae National Title Services, Inc.

Lex Terrae, Ltd. Mara Escrow Company Mississippi Valley Title Services Company

National Title Agent's Services Company

Old Republic Branch Information Services, Inc.

Old Republic Diversified Services, Inc.

Old Republic Exchange Company

Old Republic National Title Insurance Company

Old Republic Title and Escrow of Hawaii, Ltd.

Old Republic Title Co. Old Republic Title Company of Conroe

Old Republic Title Company of Indiana

Old Republic Title Company of Nevada

Old Republic Title Company of Oklahoma

Old Republic Title Company of Oregon

Old Republic Title Company of St. Louis

Old Republic Title Company of Tennessee

Old Republic Title Information Concepts

Old Republic Title Insurance Agency, Inc.

Old Republic Title, Ltd. Republic Abstract & Settlement , LLC

Sentry Abstract Company The Title Company of North Carolina

Title Services, LLC

Trident Land Transfer Company, LLC

This page is only a part of a 2016 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.

Page 1

Pacific Northwest Title Agent for Old Republic National Title Insurance Company

2021 NW Myhre Road, Suite 300, P.O. Box 3607, Silverdale, Washington 98383

(360) 692-4141 · Fax (360) 692-8001

http://www.pnwtkitsap.com

A.L.T.A. Commitment

Schedule A

Faira Title Order No.: 32167806

608 State Street S Title Officer: Andy Buskirk

Kirkland, WA 98033 Sr. Title Officer: Lori Bullard

Attention: Shannon Pence Sr. Title Officer: Mike Mjelde

Customer Ref: Owens Sr. Title Officer: Marian Scott

1. Effective Date: December 6, 2018 at 8:00 A.M.

2. Policy or Policies to be issued:

(X) ALTA Homeowner's Policy

Amount: TBD

Premium: $ 0.00

Tax: $ 0.00

Proposed Insured:

To Be Determined

**See Note 2 for Kitsap County recording charges, including E-record fees**

3. The estate or interest in the land described or referred to in the Commitment and covered herein is:

Fee Simple

4. Title to the said estate or interest in said land is at the effective date hereof vested in:

Timothy E. Owens and Rebecca L. Owens, husband and wife

5. The land referred to in this Commitment is in the State of Washington, County of Kitsap, and is

described as follows:

See Exhibit "A" Attached Hereto

Authorized Signatory



Page 2

Exhibit “A”

Order No.: 32167806

Lot 120, Trikkala, Division 2, according to Plat recorded in Volume 20 of Plats, Pages 121 through

124, inclusive, in Kitsap County, Washington.

…End of Exhibit “A”…



Page 3

Pacific Northwest Title

A.L.T.A. Commitment

Schedule B

Order No.: 32167806

I. The following are the requirements to be complied with:

A. Instruments necessary to create the estate or interest to be insured must be properly executed,

delivered and duly filed for record.

B. Payment to or for the account of the grantors or mortgagors of the full consideration for the estate

or interest to be Insured.

II. Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the

same are disposed of to the satisfaction of the Company:

A. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in

the public records, or attaching subsequent to the effective date hereof but prior to the date the

proposed Insured acquires of record for value the estate or interest or mortgage thereon covered by

this commitment.

B. General Exceptions:

a) Rights or claims of parties in possession not shown by the public records.

b) Public or private easements, or claims of easements, not shown by the public records.

c) Encroachments, overlaps, boundary line disputes, or other matters which would be

disclosed by an accurate survey or inspection of the premises.

d) 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, or liens under the

Workmen's Compensation Act not shown by the public records.

e) Any title or rights asserted by anyone including but not limited to persons, corporations,

governments or other entities, to tide lands, or lands comprising the shores or bottoms of

navigable rivers, lakes, bays, ocean or sound, or lands beyond the line of the harbor lines

as established or changed by the United States Government.

f) (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.

g) Indian tribal codes or regulations, Indian treaty or aboriginal rights, including, but not

limited to, easements or equitable servitudes.

h) Any service, installation, connection, maintenance, capacity, or construction charges for

sewer, water, electricity or garbage removal.

i) General taxes not now payable or matters relating to special assessments and special

levies, if any, preceding the same becoming a lien.

C. Special Exceptions:

As on Schedule B, attached.

Continued on Next Page

Schedule B - continued

Order No.: 32167806



Page 4

Special Exceptions:

1. All Covenants, Conditions, Restrictions, Reservations, Easements or other servitudes, if any,

disclosed by the recorded plat of Trikkala, Division 2.

2. Right of way for transmission line:

In favor of: Northwestern Power and Manufacturing Company

Disclosed by: Auditor's File No. 81694

3. Easement for electric transmission and distribution line, and the terms and conditions thereof,

together with necessary appurtenances, as granted by instrument recorded on October 4, 1977,

under Kitsap County Auditor's File No. 7710040102.

To: Puget Sound Power and Light Company

Affects: A 7 foot strip parallel with and adjacent to all roadways within the above

described plat.

4. Easement provisions on the face of the plat.

5. Easement as delineated and/or dedicated on the face of the plat:

Purpose: Surface water drainage

6. Exceptions and Reservations contained in deed from Pope & Talbot, Inc., whereby the grantor

excepts and reserves all oil, gases, coal, ores, minerals, fossils, etc., and the right of entry for

opening, developing and working the same and providing that such rights shall not be exercised

until provision has been made for full payment of all damages sustained by reason of such entry;

recorded under Recording Number 646923.

Note: No examination has been made to determine the present record owner of the above minerals,

or mineral lands and appurtenant rights thereto, or to determine matters which may affect the lands

or rights so reserved.

7. Restrictions, easements and dedications contained on the face of the plat.

8. Restrictions contained in said plat as follows:

Dimensions and uses of all lots, tracts or parcels of land embraced in this plat are subject to and

shall be in conformity with Kitsap County zoning regulations.

9. Recital contained on the face of the plat as follows:

The owners hereof and their successors and assigns hereby waive all claims for damages against

any governmental authority arising from the construction and maintenance of public property

within this plat.

10. Right of the public to make necessary slopes for cuts or fills upon said premises in the reasonable

original grading of streets, avenues, alleys, roads, and to drain streets over and across any lot

where water might take a natural course after the street or streets are graded, as dedicated in the

plat.


Order No.: 32167806



Page 5

11. Deed of Trust, and the terms and conditions thereof:

Grantor: Timothy E. Owens and Rebecca L. Owens, husband and wife

Trustee: First American Title Insurance Company

Beneficiary: Mortgage Electronic Registration Systems, Inc., as nominee for

H&R Block Mortgage Corporation

Amount: $220,000.00, plus interest

Dated: November 9, 2005

Recorded: November 15, 2005

Auditor's File No.: 200511150169

The beneficial interest under said Deed of Trust was assigned by instrument recorded March 18,

2015, under Kitsap County Auditor’s File No. 201503180188:

To: Bank of America, N.A.

12. Deed of Trust, and the terms and conditions thereof:

Grantor: Rebecca L. Owens and Timothy E. Owens, wife and husband

Trustee: Socius Law Group, P.L.L.C.

Beneficiary: USAA Federal Savings Bank

Amount: $55,400.00, plus interest

Dated: July 27, 2006

Recorded: August 17, 2006

Auditor's File No.: 200608170232

13. Title is to vest in persons not yet revealed and when so vested will be subject to matters disclosed

by a search of the records against their names.

14. Until the amount of the policy to be issued is provided to us, and entered on the commitment as

the amount of the policy to be issued, it is agreed by every person relying on this commitment

that we will not be required to approve any policy amount over $1,000.00, and our total liability

under this commitment shall not exceed that amount.

15. Lien of real estate excise tax upon any sale of said premises, if unpaid. Real estate excise tax on

said property is subject to tax at the rate of .0178, effective July 1, 2005, an additional $5.00

processing fee is required.

Note: If your transaction includes recording of tax exempt documents there is a $10.00

processing fee to the County Treasurer.

Note 1: Abbreviated Legal Description:

Lot 120, Trikkala, Div 2


Order No.: 32167806



Page 6

Note 2: Pacific Northwest Title electronically records documents, when possible. All checks for

excise and recording fees should be made payable to Pacific Northwest Title. Kitsap County

recording fees are as follows:

E-recording fee: $5.45 per document

Deeds: $99.00 1st page and $1 each additional page

Deeds of Trust: $100.00 1st page and $1 each additional page

Note 3: General and Special Taxes and Charges for the year 2018 have been paid in full.

In the Amount of: $3,311.36

Tax Account Number: 4952-000-120-0005

Levy Code: 6220

Assessed Value: $248,970.00

Note 4: The records of Kitsap County and/or our inspection indicates that the address of the

improvements located on said land is 3034 NE Arta Court, Bremerton, Washington 98311.

Note 5: Pacific Northwest Title has been requested to issue the ALTA Homeowner's Policy of Title

Insurance to the buyer. The forthcoming Owner's Policy to issue will not contain items 1-9

of Schedule B-II General Exceptions.

Note 6: Please be aware that should this transaction cancel, there will be a minimum cancellation fee

of $50.00 plus tax of $4.50.

Note 7: The deed under which title was acquired was recorded under Kitsap County Auditor's File No.

200505200209. There have been no other conveyances in the last 24 months.

…End of Schedule B…

cc: Faira

Attn: Levi Ostrom (Email only)

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