FAIRA TRANSPARENCY REPORTS - az773218.vo.msecnd.net · 608 State St. South Kirkland, WA 98033...

608 State St. South Kirk land, WA 98033

www.faira.com

hel [email protected] 1 (800) 571 FAIR

FAIRATRANSPARENCYREPORTS

2009 Talbot Rd S, Renton, WA 98055

May 17, 2016 Thank you for your interest in this Faira Certified home. We have coordinated the efforts of certified and licensed inspection and title professionals to create the Faira Transparency Reports for this home. The Faira Transparency Reports are a detailed portfolio of information that is prepared on behalf of buyers in preparation for making an informed offer on the property. You may v iew more detai led information for th is home and can make an offer at http://www.faira.com/l ist ings/10591 All of the information in the Faira Transparency Reports was gathered and compiled without any bias or influence from the seller(s). In fact, these reports are materially identical had you as the buyer(s) ordered the same professionals to perform the evaluations on the same date. Nevertheless, Faira takes no obligation of the reports being complete or accurate. The buyers are recommended to conduct their own due-diligence to their satisfaction. Please contact us if you have any questions or would like more information. We’re happy you’ve chosen a Faira Certified home and look forward to the opportunity of working with you! Sincerely, The Faira Team

ALTA COMMITMENT FOR TITLE INSURANCE

Commitment Number:Issued By agent:

70047775

Copyright American Land Title Association. All rights reserved.

The use of this Form 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.ALTA Commitment (Adopted: 06.17.2006) Printed: 05.09.16 @ 07:29 AM

Page 1 WA-TT-FNWT-02840.660004-SPS-1-16-70047775

CHICAGO TITLE INSURANCE COMPANY, a Nebraska corporation (“Company”), for a valuable consideration, commits toissue its policy or policies of title insurance, as identified in Schedule A, in favor of the Proposed Insured named inSchedule A, as owner or mortgagee of the estate or interest in the land described or referred to in Schedule A, uponpayment of the premiums and charges and compliance with the Requirements; all subject to the provisions of Schedules Aand 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 policiescommitted for have been inserted 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 whenthe policy or policies committed for shall issue, whichever first occurs, provided that the failure to issue the policy orpolicies is not the fault of the Company.

The Company will provide a sample of the policy form upon request.

This Commitment shall not be valid or binding until countersigned by a validating officer or authorized signatory.

IN WITNESS WHEREOF, CHICAGO TITLE INSURANCE COMPANY has caused its corporate name and seal to beaffixed by its duly authorized officers on the date shown in Schedule A.

Ticor Title Company701 5th Ave., Ste. 2560Seattle, WA 98104

Chicago Title Insurance Company

By:

Countersigned By:

Authorized Officer or Agent

PresidentAttest:

Secretary

TICOR TITLE COMPANY COMMITMENT NO. 70047775

ISSUING OFFICE: FOR SETTLEMENT INQUIRIES, CONTACT:Title Officer: Georgia Hallett

Ticor Title Company701 5th Ave., Ste. 2560

Seattle, WA 98104Phone: 425-586-6966 Fax: 866-878-4473

Main Phone: (425)255-7575Email: [email protected]

SCHEDULE A




ORDER NO. 700477751. Effective Date: April 28, 2016 at 08:00 AM

2. Policy or (Policies) to be issued:

a. ALTA Homeowner's Policy of Title Insurance 2010Proposed Insured: To Be DeterminedPolicy Amount: To Be DeterminedPremium: To Be DeterminedTax: To Be DeterminedRate: HomeownersDiscount(s): Residential Resale with E CommerceTotal: To Be Determined

b. ALTA Loan Policy 2006Proposed Insured: To Be DeterminedPolicy Amount: To Be DeterminedPremium: To Be DeterminedTax: To Be DeterminedRate: ExtendedDiscount(s): SimultaneousTotal: To Be Determined

3. The estate or interest in the land described or referred to in this Commitment is:

FEE SIMPLE

4. Title to the estate or interest in the land is at the Effective Date vested in:

Jesse Buttar and Pam Buttar, husband and wife

5. The land referred to in this Commitment is described as follows:

SEE EXHIBIT "A" ATTACHED HERETO AND MADE A PART HEREOF

END OF SCHEDULE A

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EXHIBIT "A"Legal Description




LOT 7, CITY OF RENTON SHORT PLAT NO. LUA-06-043 SHPL, RECORDED UNDER RECORDINGNO. 20081112900009, IN KING COUNTY, WASHINGTON.

SITUATE IN THE COUNTY OF KING, STATE OF WASHINGTON.


SCHEDULE B




Schedule B of the policy or policies to be issued will contain exceptions to the following matters unless the same aredisposed of to the satisfaction of the Company:

GENERAL EXCEPTIONS:

A. Rights or claims of parties in possession, or claiming possession, not shown by the Public Records.

B. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would bedisclosed by an accurate and complete survey of the land.

C. Easements, prescriptive rights, rights of way, liens or encumbrances, or claims thereof not disclosed by thePublic Records.

D. Any lien, or right to a lien, for contributions to the employee benefit funds, of for state workers compensation, orfor services, labor, or material heretofore or hereafter furnished, all as imposed by law, and not shown by thePublic Records.

E. Taxes or special assessments which are not yet payable or which are not shown as existing liens by the PublicRecords.

F. Any lien for service, installation, connection, maintenance, tap, capacity or construction or similar charges forsewer, water, electricity, natural gas or other utilities, or for garbage collection and disposal not shown by thePublic Records.

G. Unpatented mining claims, and all rights relating thereto.

H. Reservations and exceptions in United States Patents or in Acts authorizing the issuance thereof.

I. Indian tribal codes or regulations, Indian treaty or aboriginal rights, including easements or equitable servitudes.

J. Water rights, claims or title to water.

K. Defects, liens, encumbrances, adverse claims or other matters, if any, created, first appearing in the publicrecords or attaching subsequent to the Effective Date but prior to the date the Proposed Insured acquires for valueof record the estate or interest or mortgage thereon covered by this Commitment.

SPECIAL EXCEPTIONS:

1. Easement and the terms and conditions thereof:In favor of: Puget Sound Energy, Inc., a Washington corporationPurpose: construct, operate, maintain, repair, replace, improve, remove, enlarge and use the easement forone or more utility systems for purposes of transmission, distribution and sale of gas and electricity.Recorded: September 28, 2007Recording No: 20070928000202

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SCHEDULE B(continued)




2. Covenants, conditions, restrictions, recitals, reservations, easements, easement provisions, dedications, buildingsetback lines, notes, statements, and other matters, if any, but omitting any covenants or restrictions, if any,including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, maritalstatus, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federallaws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on Short PlatNo. LUA-06-043 SHPL:

Recorded: November 12, 2008Recording No: 20081112900009

3. Any rights, interest, or claims which may exist or arise by reason of the following matters as disclosed by Survey: Recorded: October 14, 1982Recording No.: 8210149017

4. Reservations all coal, clay, stone, oil and minerals or mineral products thereunder belong, with the right to mine,quarry and procure the same at any time hereafter, and the land aforesaid is sold on the condition that neither saidgrantee nor anyone deriving title from or through him shall sell or keep for sale any spirituous, malt, vinous, orother intoxicating liquors or permit the same to be sold or kept for sale under penalty of forfeiture.Grantor: Seattle Electric Company, a WashingtonRecorded: June 7, 1907Recording No.: 491701

Note: No examination has been made to determine the present record owner of the above minerals, or minerallands and appurtenant rights thereto, or to determine matters which may affect the lands or rights so reserved.

5. Easement for Sidewalk and the terms and conditions thereof:In favor of: City of Renton, a municipal corporationPurpose: constructing, reconstructing, installing, repairing, replacing and maintaining a public sidewalkRecorded: November 12, 2008Recording No: 20081112001557

6. City of Renton, Washington Ordinance No. 4061 establishing Special Assessment District for sanitary sewerservice recorded on May 8, 1988, under Recording No. 8705081044.

7. Covenants, conditions and restrictions but omitting any covenants or restrictions, if any, including but not limited tothose based upon race, color, religion, sex, sexual orientation, familial status, marital status, disability, handicap,national origin, ancestry, source of income, gender, gender identity, gender expression, medical condition orgenetic information, as set forth in applicable state or federal laws, except to the extent that said covenant orrestriction is permitted by applicable law, as set forth in the Declaration of Covenants and Conditions

Recorded: July 14, 1983Recording No.: 8307140440Re-Recorded: April 20, 1989Re-Recording No.: 8904200837

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8. Agreement and the terms and conditions thereof:Purpose: maintenance of accessRecorded: January 23, 1985Recording No.: 8501230067

9. Covenants, conditions, restrictions, recitals, reservations, easements, easement provisions, dedications, buildingsetback lines, notes, statements, and other matters, if any, but omitting any covenants or restrictions, if any,including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, maritalstatus, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federallaws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the ShortPlat No. 577074C

Recorded: September 13, 1978Recording No.: 7809130793

Release of CovenantsRecorded: December 2, 1981Recording No.: 8112020485

10. Easement for Underground Electric System and the terms and conditions thereof:In favor of: Puget Sound & Light Company, a Washington corporationPurpose: construct, operate, maintain, repair, replace and enlarge an underground electric transmissionand/or distribution system upon and under the Right-of-Way together with all necessary or convenient appurtenanttherefor, which may include but are not limited to the following: underground conduits, cables, communicationlines; vaults, manholes, switches and transformers; and semi-buried or ground mounted facilities; together with theright of access to the Right-of-Way; also from time to time to remove trees, bushes, or other obstructions withinthe Right-of-Way and may level and grade the Right-of-Way to the extent reasonably necessaryRecorded: March 14, 1983Recording No.: 8303140388

11. Declaration of Easement for Side Sewer and the terms and conditions thereof:Purpose: construction, repair and maintenance of a sanitary sewerRecorded: July 14, 1983Recording No.: 8307140439

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12. Roadway and Utilities Easement and the terms and conditions thereof:In favor of: City of Renton, a municipal corporation of King County, WashingtonPurpose: public utilities (including water and sewer) with necessary appurtenancesRecorded: September 2, 1981Recording No.: 8109020540

Corrected EasementRecorded: November 16, 1981Recording No.: 811160399

No building or structures are allowed and supersedes and revokes easement recorded under Recording No.8109020540

13. Any rights, interest, or claims which may exist or arise by reason of the following matters as disclosed by Survey: Recorded: March 2, 2006Recording No.: 20060302900004

14.14. Covenants, conditions, restrictions, recitals, reservations, easements, easement provisions, dedications, buildingsetback lines, notes, statements, and other matters, if any, but omitting any covenants or restrictions, if any,including but not limited to those based upon race, color, religion, sex, sexual orientation, familial status, maritalstatus, disability, handicap, national origin, ancestry, or source of income, as set forth in applicable state or federallaws, except to the extent that said covenant or restriction is permitted by applicable law, as set forth on the PlatNo. 2 of Renton Co-operative Coal Company’s Acre Tracts

Recorded: July 18, 1898Recording No.: 167794

15. Easements and Reservations as disclosed by Deed:In favor of: The Seattle Electric CompanyRecorded: April 5, 1901Recording No.: 207130

16. Reservations of oil, coal, gas and minerals and/or mineral rights of any nature, and right of entry to explore same,contained in the Deed. Grantor: The Seattle Electric CompanyRecorded: March 28, 1906Recording No.: 384789

17. Notice of Water or Sewer Facility Tap or Connection Charges and the terms and conditions thereof:In favor of: City of Renton, a municipal corporationRecorded: April 19, 1982Recording No.: 8204190336

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18. Reservations and exceptions in United States Patents or in Acts authorizing the issuance thereof; Indian treaty oraboriginal rights.

19. Payment of the real estate excise tax, if required.

The Land is situated within the boundaries of local taxing authority of the City of Renton.

Present rate of real estate excise tax as of the date herein is 1.78 percent.

Any conveyance document must be accompanied by the official Washington State Excise Tax Affidavit. Theapplicable excise tax must be paid and the affidavit approved at the time of the recording of the conveyancedocuments. (NOTE: Real Estate Excise Tax Affidavits must be printed as legal size forms).

An additional $5.00 Electronic Technology Fee must be included in all excise tax payments.

If the transaction is exempt, an additional $5.00 Affidavit Processing Fee is required.

20. General and special taxes and charges, payable February 15, delinquent if first half unpaid on May 1, second halfdelinquent if unpaid on November 1 of the tax year (amounts do not include interest and penalties):

Year: 2016Tax Account Number: 722200-0180-09Levy Code: 2100Assessed Value-Land: $92,000.00Assessed Value-Improvements: $505,000.00

General and Special Taxes: Billed: $7,904.91 Paid: $3,952.46 Unpaid: $3,952.45

21. A Deed of Trust to secure an indebtedness in the amount shown below,

Amount: $152,200.00Dated: January 5, 2011Trustor/Grantor: Jesse Buttar and Pam Buttar, husband and wifeTrustee: ReconTrust Company, N.A.Beneficiary: Mortgage Electronic Registration Systems, Inc., solely as nominee for Bank of America,N.A., a National AssociationRecorded: January 11, 2011Recording No.: 20110111001624

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Assignment of the beneficial interest under said Deed of Trust which names:

Assignee: Bank of America, N.A.Recorded: February 27, 2015Recording No: 20150227000888

22. An Open-End Deed of Trust to secure an indebtedness in the amount shown below,

Amount: $294,945.00Dated: September 17, 2011Trustor/Grantor: Jesse Buttar and Pam Buttar, husband and wifeTrustee: Wells Fargo Financial National BankBeneficiary: Wells Fargo Bank, N.A.Recorded: September 26, 2011Recording No.: 20110926001050

The Deed of Trust set forth above is purported to be a “Credit Line” Deed of Trust. It is a requirement that theTrustor/Grantor of said Deed of Trust provide written authorization to close said credit line account to the Lenderwhen the Deed of Trust is being paid off through the Company or other Settlement/Escrow Agent or provide asatisfactory subordination of this Deed of Trust to the proposed Deed of Trust to be recorded at closing.

23. The names of the proposed insured were not furnished in the application for title insurance, and when disclosed,the commitment will be subject to such matters as may be found by a search of the records against said names.

The Company reserves the right to add additional items or make further requirements after review of therequested documentation.

END OF EXCEPTIONS

NOTESThe following matters will not be listed as Special Exceptions in Schedule B of the policy. There will be no coverage forloss arising by reason of the matters listed below because these matters are either excepted or excluded from coverage orare not matters covered under the insuring provisions of the policy.

Note A: Note: Please send recording packages to the following address.

Attn: Recording Department701 5th Ave., Ste 2560Seattle, WA 98104

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Note B: Note: FOR INFORMATIONAL PURPOSES ONLY:

The following may be used as an abbreviated legal description on the documents to be recorded, perAmended RCW 65.04.045. Said abbreviated legal description is not a substitute for a complete legaldescription within the body of the document:

LT 7, RENTON SP NO LUA-06-043 SHPL, REC 20081112900009

Note C: The Public Records indicate that the address of the improvement located on said Land is as follows:

2009 Talbot Road SouthRenton, WA 98055

Note D: Note: There are NO conveyances affecting said Land recorded within 36 months of the date of thisreport.

Note E: Note: The Company is willing to issue an Extended Coverage Lenders Policy. General Exceptions Athrough K, inclusive, are hereby deleted.

ALTA 22-06, ALTA 8.1 and ALTA 9-06 Endorsements will issue with the forthcoming lenders policy.

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Note F: Effective October 1, 2015, Ticor Title Company will no longer be charging a flat rate recording fee. Allfiles will be charged the actual county recording fees.

Recording charges (per document title) for all Washington counties:

Deed of Trust - $74.00 and $1 for each additional page.Most other Docs, except as noted below - $73.00 and $1 for each additional page.Assignment of Deed of Trust, Substitution or Appointment of Successor Trustee - $15.00 and $1 foreach additional pageMultiple titled documents are charged per applicable title.

There is an additional $4.00 fee per document for electronic recording.

RECORDING CHARGES ARE SUBJECT TO CHANGE WITHOUT NOTICE

NOTE: Part of the RESPA Rule to Simplify and Improve the Process of Obtaining Mortgages andReduce Consumer Settlement Costs requires the settlement agent to disclose the agent andunderwriter split of title premiums, including endorsements as follows:

NOTE: Part of the RESPA Rule to Simplify and Improve the Process of Obtaining Mortgages andReduce Consumer Settlement Costs requires the settlement agent to disclose the agent andunderwriter split of title premiums, including endorsements as follows:

Line 1107 is used to record the amount of the total title insurance premium, including endorsements,that is retained by the title agent. Ticor Title Company retains 88% of the total premium andendorsements.

Line 1108 is used to record the amount of the total title insurance premium, including endorsements,that is retained by the title underwriter. Chicago Title Insurance Company retains 12% of the totalpremium and endorsements.

Note G: The language contained in the printed Exceptions from coverage and Conditions and Stipulations of thePolicy committed for may be examined by inquiry at the office which issued the Commitment, and aspecimen copy of the insurance Policy Form(s) referred to in this commitment will be furnished promptlyupon request.

Note H: Investigation should be made to determine if there are any service, installation, maintenance, orconnection charges for sewer, water, electricity or Metro Sewer Treatment Capacity Charge.






Note I: In the event the transaction fails to close and this commitment is cancelled, a fee will be charged tocomply with the State Insurance Code and the filed schedule of this company.

Note J: Notwithstanding anything to the contrary in this Commitment, if the policy to be is other than am ALTAOwner's Policy (6/17/06) or ALTA Loan Policy (6/17/06), the policy may not contain an arbitration clause,or the terms of the arbitration clause may be different from those set forth in this Commitment. If thePolicy does contain an arbitration clause, and the Amount of Insurance is less than the amount, if any,set forth in the arbitration clause, all arbitrable matters shall be arbitrated at the option of either theCompany or the Insured as the exclusive remedy of the parties.

Note K: Instruments necessary to create the estate or interest or mortgage to be insured must be properlyexecuted, delivered and duly filed for record.

Note L: Any documents being executed in conjunction with this transaction must be signed in the presence of anauthorized Company employee, an authorized employee of an agent, an authorized employee of theinsured lender, or by using Bancserv or other approved third-party service. If the above requirementcannot be met, please call the Company at the number provided in this report.

Note M: As part of Ticor Title Company's commitment to the environment, we encourage the paperlessdistribution of our products whenever possible. To help conserve natural resources, we willautomatically issue the forthcoming original policy(ies) electronically.

Please provide us with a current e-mail address for the new owner and/or lender prior to closing or byemailing [email protected]. Hard copy versions may be issued upon request.

Note N: Your application for title insurance was placed by reference to only a street address or tax identificationnumber. Based on our records, we believe that the legal description in this report covers the parcel(s) ofLand you requested. If the legal description is incorrect, the seller/borrower must notify the Companyand/or the settlement company in order to prevent errors and to be certain that the correct parcel(s) ofLand will appear on any documents to be recorded in connection with this transaction and on the policyof title insurance.

Note O: This map/plat is being furnished as an aid in locating the herein described Land in relation to adjoiningstreets, natural boundaries and other land. Except to the extent of a policy of title insurance is expresslymodified by endorsement, if any, the Company does not insure dimensions, distances or acreageshown thereon.






Note P: NOTE: The premiums shown in Schedule A reflect final premiums after any applicable discounts basedupon the policies listed. However, the Consumer Financial Protection Bureau (CFPB) also requiresdisclosure of non-discounted premiums.

The Closing Disclosure premium breakdown required by CFPB is as follows:

Loan Policy premium without simultaneous issue or other discounts: $0.00Loan Policy sales tax: $0.00Owner’s Policy (CFPB required calculation method**): $250.00Owner’s Policy sales tax: $24.00

Title Binder and Title Search fees: NoneEndorsements: Premiums and sales tax are available upon request

(**CAUTION: The Owner’s Policy premium calculation method for CFPB disclosure purposes requiresadding the Owner’s and Loan Policy discounted premiums from Schedule A and subtracting the“Non-Discounted” Loan Policy Premium, even though that does not conform to our filed rate calculationmethods and could result in a negative number.)

END OF NOTES

END OF SCHEDULE B





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 knowledgeto the Company in writing, the Company shall be relieved from liability for any loss or damage resulting from any act of reliance hereon to theextent 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.

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 complywith the requirements hereof, or (b) to eliminate exceptions shown in Schedule B, or (c) to acquire or create the estate or interest or mortgagethereon covered by this Commitment. In no event shall such liability exceed the amount stated in Schedule A for the policy or policies committedfor and such liability is subject to the insuring provisions and Conditions and the Exclusions from Coverage of the form of policy or policiescommitted for in favor of the proposed Insured which are hereby incorporated by reference and are made a part of this Commitment except asexpressly 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 of thisCommitment.

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 rulesat http://www.alta.org.

END OF CONDITIONS

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RECORDING REQUIREMENTS

Recording Requirements Printed: 05.09.16 @ 07:29 AM by NBWA0000924.doc / Updated: 03.26.14 Page 15 ----70047775

Effective January 1, 1997, document format and content requirements have been imposed by Washington Law.Failure to comply with the following requirements may result in rejection of the document by the county recorder orimposition of a $50.00 surcharge.

First page or cover sheet:

3" top margin containing nothing except the return address.

1" side and bottom margins containing no markings or seals.

Title(s) of documents.

Recording no. of any assigned, released or referenced document(s).

Grantors names (and page no. where additional names can be found).

Grantees names (and page no. where additional names can be found).

Abbreviated legal description (Lot, Block, Plat Name or Section, Township, Range and Quarter, Quarter Sectionfor unplatted). Said abbreviated legal description is not a substitute for a complete legal description which mustalso appear in the body of the document.

Assessor’s tax parcel number(s).

Return address (in top 3" margin).

**A cover sheet can be attached containing the above format and data if the first page does not contain allrequired data.

Additional Pages:

1" top, side and bottom margins containing no markings or seals.

All Pages:

No stapled or taped attachments. Each attachment must be a separate page. All notary and other pressure sealsmust be smudged for visibility. Font size of 8 points or larger.

Privacy Statement Printed: 05.09.16 @ 07:30 AM by NBWA0000924.doc / Updated: 03.26.14 Page 16 ----70047775

FIDELITY NATIONAL FINANCIAL, INC.PRIVACY NOTICE

Effective: April 1, 2016

Escrow No.: 70047775TOAt Fidelity National Financial, Inc. and its majority-owned subsidiary companies (collectively, "FNF", "our" or "we"), we valuethe privacy of our customers. This Privacy Notice explains how we collect, use, and protect your information and explains thechoices you have regarding that information. A summary of our privacy practices is below. We also encourage you to readthe complete Privacy Notice following the summary.

Types of Information Collected. You may provide us withcertain personal information, like your contact information,social security number (SSN), driver’s license, othergovernment ID numbers, and/or financial information. Wemay also receive information from your Internet browser,computer and/or mobile device.

How Information is Collected. We may collect personalinformation directly from you from applications, forms, orcommunications we receive from you, or from othersources on your behalf, in connection with our provision ofproducts or services to you. We may also collect browsinginformation from your Internet browser, computer, mobiledevice or similar equipment. This browsing information isgeneric and reveals nothing personal about the user.

Use of Your Information. We may use your information toprovide products and services to you (or someone on yourbehalf), to improve our products and services, and tocommunicate with you about our products and services.We do not give or sell your personal information to partiesoutside of FNF for their use to market their products orservices to you.

Security Of Your Information. We utilize a combinationof security technologies, procedures and safeguards tohelp protect your information from unauthorized access,use and/or disclosure. We communicate to our employeesabout the need to protect personal information.

Choices With Your Information. Your decision to submitpersonal information is entirely up to you. You can opt-outof certain disclosures or use of your information or chooseto not provide any personal information to us.

When We Share Information. We may disclose yourinformation to third parties providing you products andservices on our behalf, law enforcement agencies orgovernmental authorities, as required by law, and toparties with whom you authorize us to share yourinformation.

Information From Children. We do not knowingly collectinformation from children under the age of thirteen (13),and our websites are not intended to attract children.

Privacy Outside the Website. We are not responsible forthe privacy practices of third parties, even if our websitelinks to those parties’ websites.

Access and Correction. If you desire to see theinformation collected about you and/or correct anyinaccuracies, please contact us in the manner specified inthis Privacy Notice.

Do Not Track Disclosures. We do not recognize "do nottrack" requests from Internet browsers and similar devices.

The California Online Privacy Protection Act. CertainFNF websites collect information on behalf of mortgageloan servicers. The mortgage loan servicer is responsiblefor taking action or making changes to any consumerinformation submitted through those websites.

International Use. By providing us with your information,you consent to the transfer, processing and storage ofsuch information outside your country of residence, as wellas the fact that we will handle such information consistentwith this Privacy Notice.

Your Consent To This Privacy Notice. By submittinginformation to us and using our websites, you areaccepting and agreeing to the terms of this Privacy Notice.

Contact FNF. If you have questions or wish to contact usregarding this Privacy Notice, please use the contactinformation provided at the end of this Privacy Notice.


FIDELITY NATIONAL FINANCIAL, INC.PRIVACY NOTICE

FNF respects and is committed to protecting your privacy.We pledge to take reasonable steps to protect yourPersonal Information (as defined herein) and to ensureyour information is used in compliance with this PrivacyNotice.

This Privacy Notice is only in effect for informationcollected and/or owned by or on behalf of FNF, includingcollection through any FNF website or online servicesoffered by FNF (collectively, the "Website"), as well asany information collected offline (e.g., paper documents).The provision of this Privacy Notice to you does not createany express or implied relationship, nor create anyexpress or implied duty or other obligation, between FNFand you.

Types of Information CollectedWe may collect two (2) types of information: PersonalInformation and Browsing Information.

Personal Information. The types of personal informationFNF collects may include, but are not limited to: contact information (e.g., name, address, phone

number, email address); social security number (SSN), driver’s license, and

other government ID numbers; and financial account or loan information.

Browsing Information. The types of browsing informationFNF collects may include, but are not limited to: Internet Protocol (or IP) address or device ID/UDID,

protocol and sequence information; browser language; browser type; domain name system requests; browsing history; number of clicks; hypertext transfer protocol headers; and application client and server banners.

How Information is CollectedIn the course of our business, we may collect PersonalInformation about you from the following sources: applications or other forms we receive from you or

your authorized representative, whether electronic orpaper;

communications to us from you or others; information about your transactions with, or services

performed by, us, our affiliates or others; and information from consumer or other reporting

agencies and public records that we either obtaindirectly from those entities, or from our affiliates orothers.

We may collect Browsing Information from you as follows: Browser Log Files. Our servers automatically log,

collect and record certain Browsing Information abouteach visitor to the Website. The Browsing Informationincludes only generic information and reveals nothingpersonal about the user.

Cookies. From time to time, FNF may send a "cookie"to your computer when you visit the Website. Acookie is a small piece of data that is sent to yourInternet browser from a web server and stored onyour computer’s hard drive. When you visit theWebsite again, the cookie allows the Website torecognize your computer, with the goal of providingan optimized user experience. Cookies may storeuser preferences and other information. You canchoose not to accept cookies by changing thesettings of your Internet browser. If you choose not toaccept cookies, then some functions of the Websitemay not work as intended.

Use of Collected InformationInformation collected by FNF is used for three (3) mainpurposes: To provide products and services to you, or to one or

more third party service providers who are performingservices on your behalf or in connection with atransaction involving you;

To improve our products and services; and To communicate with you and to inform you about

FNF’s products and services.

When We Share InformationWe may share your Personal Information (excludinginformation we receive from consumer or other creditreporting agencies) and Browsing Information with certainindividuals and companies, as permitted by law, withoutfirst obtaining your authorization. Such disclosures mayinclude, without limitation, the following: to agents, representatives, or others to provide you

with services or products you have requested, and toenable us to detect or prevent criminal activity, fraud,or material misrepresentation or nondisclosure;

to third-party contractors or service providers whoprovide services or perform other functions on ourbehalf;

to law enforcement or other governmental authority inconnection with an investigation, or civil or criminalsubpoenas or court orders; and/or

to other parties authorized to receive the informationin connection with services provided to you or atransaction involving you.


We may disclose Personal Information and/or BrowsingInformation when required by law or in the good-faithbelief that such disclosure is necessary to: comply with a legal process or applicable laws; enforce this Privacy Notice; investigate or respond to claims that any information

provided by you violates the rights of a third party; or protect the rights, property or personal safety of FNF,

its users or the public.

We make efforts to ensure third party contractors andservice providers who provide services or performfunctions on our behalf protect your information. We limituse of your information to the purposes for which theinformation was provided. We do not give or sell yourinformation to third parties for their own direct marketinguse.

We reserve the right to transfer your PersonalInformation, Browsing Information, as well as any otherinformation, in connection with the sale or otherdisposition of all or part of the FNF business and/orassets, or in the event of our bankruptcy, reorganization,insolvency, receivership or an assignment for the benefitof creditors. You expressly agree and consent to the useand/or transfer of this information in connection with anyof the above described proceedings. We cannot and willnot be responsible for any breach of security by any thirdparty or for any actions of any third party that receives anyof the information that is disclosed to us.

Choices With Your InformationWhether you submit your information to FNF is entirely upto you. If you decide not to submit your information, FNFmay not be able to provide certain products or services toyou. You may choose to prevent FNF from using yourinformation under certain circumstances ("opt out"). Youmay opt out of receiving communications from us aboutour products and/or services.

Security And Retention Of InformationFNF is committed to protecting the information you sharewith us and utilizes a combination of securitytechnologies, procedures and safeguards to help protect itfrom unauthorized access, use and/or disclosure. FNFtrains its employees on privacy practices and on FNF’sprivacy and information security policies. FNF works hardto retain information related to you only as long asreasonably necessary for business and/or legal purposes.

Information From ChildrenThe Website is meant for adults. The Website is notintended or designed to attract children under the age ofthirteen (13). We do not collect Personal Information fromany person that we know to be under the age ofthirteen (13) without permission from a parent or guardian.

Privacy Outside the WebsiteThe Website may contain links to other websites,including links to websites of third party service providers.FNF is not and cannot be responsible for the privacypractices or the content of any of those other websites.

International UsersBecause FNF’s headquarters is located in the UnitedStates, we may transfer your Personal Information and/orBrowsing Information to the United States. By using ourwebsite and providing us with your Personal Informationand/or Browsing Information, you understand and consentto the transfer, processing and storage of suchinformation outside your country of residence, as well asthe fact that we will handle such information consistentwith this Privacy Notice.

Do Not Track DisclosuresCurrently, our policy is that we do not recognize "do nottrack" requests from Internet browsers and similardevices.

The California Online Privacy Protection ActFor some websites which FNF or one of its companiesowns, such as the Customer CareNet ("CCN"), FNF isacting as a third party service provider to a mortgage loanservicer. In those instances, we may collect certaininformation on behalf of that mortgage loan servicer,including: first and last name; property address; user name and password; loan number; social security number - masked upon entry; email address; security questions and answers; and IP address.

The information you submit is then transferred to yourmortgage loan servicer by way of CCN. The mortgageloan servicer is responsible for taking action ormaking changes to any consumer informationsubmitted through this website. For example, if youbelieve that your payment or user information isincorrect, you must contact your mortgage loanservicer.

CCN does not share consumer information with thirdparties, other than those with which the mortgage loanservicer has contracted to interface with the CCNapplication. All sections of this Privacy Notice apply toyour interaction with CCN, except for the sections titledChoices with Your Information, and Access andCorrection. If you have questions regarding the choicesyou have with regard to your personal information or howto access or correct your personal information, contactyour mortgage loan servicer.


Access and CorrectionTo access your Personal Information in the possession ofFNF and correct inaccuracies, please contact us by emailat [email protected] or by mail at:

Fidelity National Financial, Inc.601 Riverside AvenueJacksonville, Florida 32204Attn: Chief Privacy Officer

Your Consent To This Privacy NoticeBy submitting Personal Information and/or BrowsingInformation to FNF, you consent to the collection and useof information by FNF in compliance with this PrivacyNotice. We reserve the right to make changes to thisPrivacy Notice. If we change this Privacy Notice, we willpost the revised version on the Website.

Contact FNFPlease send questions and/or comments related to thisPrivacy Notice by email at [email protected] or by mail at:

Fidelity National Financial, Inc.601 Riverside Avenue

Jacksonville, Florida 32204Attn: Chief Privacy Officer

Copyright © 2016. Fidelity National Financial, Inc.All Rights Reserved.

EFFECTIVE AS OF APRIL 1, 2016

mailto:[email protected]

mailto:[email protected]

701 5th Ave., Ste. 2560Seattle, WA 98104

Phone: (425)255-7575 / Fax: (877)521-9938

Commitment Distribution Letter Printed: 05.09.16 @ 07:30 AM by NBWA0000924.doc / Updated: 03.26.14 Page 20 ----70047775

Order No.: 70047775-GHProperty: 2009 Talbot Road South

Renton, WA 98055

SELLER(S)Jesse Buttar and Pam Buttar

BUYER/BORROWER(S)TBD and TBD

LISTING AGENTFaira608 State St SouthKirkland, WA 98033Phone:Fax:

Main Contact: Meaghan GerhartEmail: [email protected]

LISTING AGENTFaira608 State St SouthKirkland, WA 98033Phone:Fax:

Main Contact: Chris McQuillanEmail: [email protected]: Kamal JainEmail: [email protected]

Thank You for specifying Ticor Title CompanyYour transaction is important to us.

FAIRA TRANSPARENCY REPORTS - az773218.vo.msecnd.net · 608 State St. South Kirkland, WA 98033...

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