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C-20-41 - United Coach Tours Redacted
Applicant (Entity) Information Application Type Proposed Location Commercial Cannabis Business Permit Application C-20-41 Submitted On: Dec 04, 2020 Applicant Kevin Lu Applicant (Entity) Name: United Coach Tours, Inc. DBA: UCT Cannabis Physical Address:City: San Francisco State: California Zip Code: 94112 Primary Contact Same as Above? Yes Primary Contact Name: Kevin Lu Primary Contact Title: President Primary Contact Phone: Primary Contact Email:HAS ANY INDIVIDUAL IN THIS APPLICATION APPLIED FOR ANY OTHER CANNABIS PERMIT IN THE CITY OF FRESNO?: No Select one or more of the following categories. For each category, indicate whether you are applying for Adult-Use (“A”) or/and Medicinal (“M”) or both Adult Use Please make one selection for permit type. If making multiple applications, please submit a new application for each permit type and proposed location. Permit Type Cultivation Business Formation Documentation: S-Corporation Property Owner Name: United Coach LLC Proposed Location Address: 920 S. Topeka Avenue City: Fresno State: California Zip Code: 93721 Property Owner Phone: Property Owner Email: -- Assessor's Parcel Number (APN): 460-020-78 Proposed Location Square Footage: Zoning Inquiry P20-03892 920 South Topeka Avenue Page 2 December 4, 2020 (d) A youth center that is in existence at the time a complete commercial cannabis business permit application is submitted. The subject property located at 920 South Topeka Avenue (approximately middle of multi-tenant building) is located within the Cannabis Innovation Zone, and is zoned IH, which is one of the allowable zone districts for commercial cannabis businesses. Development standards of the IH zone district are available in Sections 15-1303, 15- 1304, and 15-1305 of the FMC. The subject location meets the location restriction requirements, per Section 15-2739.C.1.b of the FMC, for a commercial cannabis business. 2. Prior to commencing operations, a commercial cannabis business must obtain a Cannabis Conditional Use Permit from the Planning and Development Department per Section 15-2739.N of the FMC. 3. There shall be permitted 8 cultivators, distributors, or manufacturers located within the Cannabis Innovation Zone, and there shall be permitted 8 cultivators, distributors, or manufacturers located inside a Cannabis Innovation Hub or within ½ mile of State Route 99 between Shaw Avenue and Clinton Avenue, one mile of State Route 99 north of Shaw Avenue or south of Clinton Avenue, or within one mile of State Route 180 west of State Route 99. Currently, there are 0 cultivators, distributors, or manufacturers located in the City of Fresno. This location requirement is satisfied for a commercial cannabis business. Please review the entirety of Article 33, Chapter 9 (Cannabis Retail Business and Commercial Cannabis), and Section 15-2739 (Adult Use and Medicinal Cannabis Retail Business and Commercial Cannabis Business) of the FMC to understand other requirements of commercial cannabis businesses, including but not limited to, application requirements, façade design, signage, etc. This information was researched by the undersigned per the zoning request. The undersigned certifies that the above information contained herein is believed to be accurate and is based upon, or relates to, the information supplied by the requestor. The City of Fresno assumes no liability for errors and omissions. All information was obtained from public records held by the Planning and Development Department. A copy of the Fresno Municipal Code may be obtained by contacting the City Clerk’s office at 559-621-7650. The Fresno Municipal Code may also be searched on the Internet, free of charge, by going to www.fresno.gov. If you have questions regarding this matter, please contact me by telephone at 559-621-8056 or at Robert.Holt@fresno.gov. Cordially, Rob Holt, Planner III Development Services Division Planning and Development Department Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 3 Orde EXHIBIT A LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF FRESNO, COUNTY OF FRESNO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: A PARCEL OF LAND BEING A PORTION OF TRACT NO. 1 IN DEED TO THE SAN FRANCISCO AND SAN JOAQUIN VALLEY RAILWAY COMPANY (PREDECESSOR IN INTEREST TO THE ATCHISON, TOPEKA AND SANTA FE RAILWAY COMPANY) RECORDED OCTOBER 7, 1899 IN VOLUME 229 PAGE 470 OF DEEDS, FRESNO COUNTY RECORDS, IN THE EAST HALF OF THE NORTHEAST QUARTER OF SECTION 10, TOWNSHIP 14 SOUTH, RANGE 20 EAST, MOUNT DIABLO BASE AND MERIDIAN, DESCRIBED AS FOLLOWS: BEGINNING AT THE INTERSECTION OF THE WESTERLY LINE OF SAID TRACT NO. 1 WITH THE SOUTHWESTERLY LINE OF SAID TRACT NO. 1; THENCE NORTH 0° 10' 00" EAST ALONG SAID WESTERLY LINE, 432.88 FEET; THENCE SOUTH 41' 32' 30" EAST, 458.01 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF SAID COUNTY; THENCE SOUTH 48° 27' 30" WEST ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF THAT CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY; 121.52 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND; THENCE SOUTH 41° 32' 30" EAST ALONG THE SOUTHWESTERLY LINE OF LAST SAID PARCEL OF LAND, 250.00 FEET TO THE MOST SOUTHERLY CORNER OF LAST SAID PARCEL OF LAND; THENCE NORTH 48° 27' 30" EAST ALONG THE SOUTHEASTERLY LINE OF LAST SAID PARCEL OF LAND AND THE SOUTHEASTERLY LINE OF SAID 0.6 14 OF AN ACRE PARCEL OF LAND, 111.50 FEET TO THE MOST EASTERLY CORNER OF SAID 0.614 OF AN ACRE PARCEL OF LAND; THENCE SOUTH 41° 32' 30" EAST ALONG THE SOUTHEASTERLY PROLONGATION OF THE NORTHEASTERLY LINE OF SAID 0.614 OF AN ACRE PARCEL OF LAND 250.00 FEET; THENCE SOUTH 48° 27' 30" WEST, 15.76 FEET; THENCE SOUTH 41° 32' 30" EAST, 766.46 FEET; THENCE SOUTHEASTERLY AND SOUTHERLY ALONG THE ARC OF A CURVE TANGENT TO THE PRECEDING COURSE, CONCAVE WESTERLY AND HAVING A RADIUS OF 386.02 FEET, THROUGH A CENTRAL ANGLE OF 43° 47' 42", A DISTANCE OF 294.30 FEET; THENCE SOUTH 2° 15' 12" WEST TANGENT TO THE PRECEDING CURVE, 286.84 FEET TO A POINT IN THE ARC OF A CURVE CONCENTRIC WITH AND DISTANT NORTHEASTERLY 90.00 FEET MEASURED RADIALLY FROM THAT CERTAIN CURVE HEREINABOVE DESCRIBED IN PARCEL NO. 2 AS HAVING A RADIUS OF 1386.69 FEET AND A LENGTH OF 732.06 FEET; THENCE NORTHWESTERLY ALONG THE ARC OF SAID CONCENTRIC CURVE FROM WHENCE A RADIAL BEARS SOUTH 63° 08' 47' WEST, CONCAVE SOUTHWESTERLY AND HAVING A RADIUS OF 1476.69 FEET, THROUGH A CENTRAL ANGLE OF 14° 41' 17", A DISTANCE OF 378.55 FEET TO POINT OF TANGENCY IN A LINE WHICH BEARS NORTH 41° 32' 30" WEST; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID LINE, 83.24 FEET TO A POINT IN THE SOUTHEASTERLY LINE OF THAT CERTAIN 0.9022 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED APRIL 18, 1960 IN BOOK 4375 PAGE 674, OFFICIAL RECORDS OF SAID COUNTY; THENCE NORTH 48° 27' 30" EAST ALONG SAID SOUTHEASTERLY LINE, 111.63 FEET TO A POINT IN THE SOUTHWESTERLY LINE OF THAT CERTAIN PARCEL OF LAND DESCRIBED IN DEED TO SAID RAILWAY COMPANY, RECORDED APRIL 26, 1960 IN BOOK 4379 PAGE 398, OFFICIAL RECORDS OF SAID COUNTY; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID SOUTHWESTERLY LINE, 300.00 FEET TO A POINT IN THE NORTHWESTERLY LINE OF SAID 0.9022 OF AN ACRE PARCEL OF LAND; THENCE SOUTH 48° 27' 30" WEST ALONG LAST SAID NORTHWESTERLY LINE, 109.20 FEET; THENCE NORTH 40° 44' 22" WEST, 961.43 FEET; THENCE SOUTH 49° 15' 38" WEST, 20.77 FEET TO A POINT IN SAID SOUTHWESTERLY LINE OF TRACT NO. 1; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID SOUTHWESTERLY LINE, 155.54 FEET TO POINT OF BEGINNING. EXCEPTING THEREFROM BEGINNING AT THE INTERSECTION OF THE WESTERLY LINE OF SAID TRACT NO. 1 WITH A LINE 325.50 FEET NORTHEASTERLY OF AND PARALLEL WITH THE ORIGINAL CENTER LINE OF THE SAN FRANCISCO AND SAN JOAQUIN VALLEY RAILWAY COMPANY (PREDECESSOR IN INTEREST TO THE ATCHISON, TOPEKA AND SANTA FE RAILWAY COMPANY) MAIN TRACK; THENCE Your Reference: Chicago Title Company EXHIBIT A (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 4 Orde SOUTH 41° 32' 30" EAST, PARALLEL WITH SAID MAIN TRACK, A DISTANCE OF 458.35 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF SAID COUNTY; THENCE SOUTH 48° 27' 30" WEST, ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF SAID CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY, 121.50 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND TO A POINT ON THE NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE; THENCE NORTH 41° 32' 30" WEST, ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE, PARALLEL WITH AND 204.00 FEET NORTHEASTERLY OF SAID MAIN TRACK, A DISTANCE OF 321.87 FEET TO THE SAID WESTERLY LINE OF TRACT NO. 1; THENCE NORTH 0° 08' 07" EAST, ALONG SAID WESTERLY LINE, A DISTANCE OF 182.73 FEET TO THE POINT OF BEGINNING. ALSO EXCEPTING THEREFROM COMMENCING AT THE INTERSECTION OF THE WESTERLY LINE OF TRACT NO. 1 WITH THE SOUTHWESTERLY LINE OF SAID TRACT NO. 1, AS SAID TRACT NO. 1 IS DESCRIBED IN THAT CERTAIN DEED RECORDED OCTOBER 7, 1899 IN BOOK 229 PAGE 470 OF DEEDS; THENCE NORTH 0° 08' 07" EAST, ALONG SAID WESTERLY LINE, 433.13 FEET; THENCE SOUTH 41° 32' 30" EAST, 458.35 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF FRESNO COUNTY; THENCE SOUTH 48° 27 30" WEST, ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF THAT CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY, 121.50 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND AND TO A POINT ON THE NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE; THENCE SOUTH 41° 32' 30" EAST, ALONG THE SOUTHWESTERLY LINE OF LAST SAID PARCEL OF LAND, AND ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE, A DISTANCE OF 500.36 FEET TO THE TRUE POINT OF BEGINNING OF THIS DESCRIPTION: THENCE CONTINUING SOUTH 41° 32' 30" EAST, ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE A DISTANCE OF 401.00 FEET; THENCE NORTH 480 27' 30" EAST, A DISTANCE OF 95.74 FEET; THENCE NORTH 41° 32' 30" WEST, A DISTANCE OF 401.00 FEET; THENCE SOUTH 48° 27' 30" WEST, A DISTANCE OF 95.74 FEET TO THE TRUE POINT OF BEGINNING. APN: 468-020-78 Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 5 Orde EXCEPTIONS AT THE DATE HEREOF, ITEMS TO BE CONSIDERED AND EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN SAID POLICY FORM WOULD BE AS FOLLOWS: 1. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2020-2021. 2. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 3. The herein described property lies within the boundaries of the Fresno Metropolitan Flood Control District and may be subject to assessment for drainage fees and/or requirements to construct planned local drainage facilities Disclosed by: FMFCD Resolution No. 1816 Recording Date: July 31, 1995 Recording No.: 95092128, of Official Records No assessments have been levied at this time. 4.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:San Joaquin Power Company, a Corporation Purpose:Public Utilities Recording Date: September 7, 1904 Recording No: as Book 314, Page 230, of Deeds Affects:a portion of the land Reference is hereby made to said document for full particulars. The exact location and extent of said easement is not disclosed of record. 5.Terms and provisions contained in an instrument Executed by: The Atchison, Topeka and Santa Fe Railway Company, a Corporation and the County of Fresno Recorded: January 16, 1905 in Book 314, Page 361 of Deeds. 6. A perpetual easement over, above and across said Parcel for Santa Fes existing communication lines, together with access rights for construction, maintenance and repair of said communication lines, as reserved in the Deed from the Atchison, Topeka and Santa Fe Railway Company to Santa Fe Land Improvement Company, a California Corporation, dated November 16, 1978 and recorded December 26, 1978 in Book 7186, Page 645 of Official Records, as Document No. 143081. 7. Rights of the public to any portion of the Land lying within the area commonly known as Topeka Avenue. Your Reference: Chicago Title Company EXCEPTIONS (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 6 Orde 8. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Notice of Completion Lessor:not shown Lessee:Thomas A. Brown Recording Date: August 5, 1983 Recording No: 83070981, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 9. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Financing Statement Lessor:Not shown Lessee:Recycled Fibers of California, Inc. Recording Date: April 26, 1991 Recording No: 91049827, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 10. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Notice Lessor:Catellus Development Corporation Lessee:Nat Feinn & Son Recording Date: April 19, 1991 Recording No: 91045946, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 11. A notice that said Land is included within a project area of the Redevelopment Agency shown below, and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law (such redevelopment to proceed only after the adoption of the redevelopment plan) as disclosed by a document Redevelopment Agency: The South Van Ness Redevelopment Project Recording Date:July 23, 1998 Recording No.:98102553, of Official Records An agreement to modify the terms and provisions of the said document, as therein provided Executed by:Redevelopment Agency of the City of Fresno Recording Date:December 12, 2007 Recording No.:2007-0219953 of Official Records Your Reference: Chicago Title Company EXCEPTIONS (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 7 Orde 12. A notice that said Land is included within a project area of the Redevelopment Agency shown below, and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law (such redevelopment to proceed only after the adoption of the redevelopment plan) as disclosed by a document Redevelopment Agency: South Van Ness Industrial Redevelopment Project Recording Date:September 20, 2010 Recording No.:2010-0123143 of Official Records 13. Water rights, claims or title to water, whether or not disclosed by the public records. 14.Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the public records. The Company will require, for review, a full and complete copy of any unrecorded agreement, contract, license and/or lease, together with all supplements, assignments and amendments thereto, before issuing any policy of title insurance without excepting this item from coverage. The Company reserves the right to except additional items and/or make additional requirements after reviewing said documents. 15. Any easements not disclosed by the public records as to matters affecting title to real property, whether or not said easements are visible and apparent. 16. Any lien or right to a lien for services, labor or material not shown by the Public Records. 17. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other matters which a correct survey would disclose and which are not shown by the public records. 18. Matters which may be disclosed by an inspection and/or by a correct ALTA/NSPS Land Title Survey of said Land that is satisfactory to the Company, and/or by inquiry of the parties in possession thereof. 19. The search did not disclose any open mortgages or deeds of trust of record, therefore the Company reserves the right to require further evidence to confirm that the property is unencumbered, and further reserves the right to make additional requirements or add additional items or exceptions upon receipt of the requested evidence. PLEASE REFER TO THE “INFORMATIONAL NOTES” AND “REQUIREMENTS” SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION. END OF EXCEPTIONS Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 8 Orde REQUIREMENTS SECTION 1. The Company will require that an Owner’s Affidavit be completed by the party(s) named below before the issuance of any policy of title insurance. Party(s):GM Gabrych Family Limited Partnership The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit. 2. Before issuing its policy of title insurance, the Company will require the following for the below-named limited partnership: Name:GM Gabrych Family Limited Partnership Certificate of Limited Partnership filed with the Secretary of State, in compliance with the provisions of the California Revised Limited Partnership Act, Section 15611 et. seq., Corporations Code. Certified Copy of the Certificate of Limited Partnership certified by the Secretary of State filed with the County Recorder. The Company reserves the right to add additional items or make further requirements after review of the requested documentation 3. The Company will require the following documents for review prior to the issuance of any title insurance assurance predicated upon a conveyance or encumbrance by the suspended corporation or LLC named below: Name of Corporation or LLC: United Coach LLC a) A Certificate of Revivor b) A Certificate of Relief from Voidability c) Confirmation that there is no court order voiding the contract upon which the conveyance is based. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. END OF REQUIREMENTS Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 1 Order No.: 45002680-450-SM-MW1 INFORMATIONAL NOTES SECTION Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. 1. Note: The charge for a policy of title insurance, when issued through this title order, will be based on the Basic Title Insurance Rate. 2. Note: The name(s) of the proposed insured(s) furnished with this application for title insurance is/are: Name(s) furnished: United Coach LLC If these name(s) are incorrect, incomplete or misspelled, please notify the Company. 3.Note: The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land Commercial Property, known as 920 South Topeka Avenue, Fresno, CA, to an Extended Coverage Loan Policy. 4. Note: Property taxes for the fiscal year shown below are PAID. For proration purposes the amounts were: Tax Identification No.: Fiscal Year:2019-2020 1st Installment: 2nd Installment: Exemption: Land: Improvements: Personal Property: Code Area: Prior to close of escrow, please contact the Tax Collector's Office to confirm all amounts owing, including current fiscal year taxes, supplemental taxes, escaped assessments and any delinquencies. 5.Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report. 6. The application for title insurance was placed by reference to only a street address or tax identification number. The proposed Insured must confirm that the legal description in this report covers the parcel(s) of Land requested to be insured. If the legal description is incorrect, the proposed Insured must notify the Company and/or the settlement company in order to prevent errors and to be certain that the legal description for the intended parcel(s) of Land will appear on any documents to be recorded in connection with this transaction and on the policy of title insurance. 7. Note: If a county recorder, title insurance company, escrow company, real estate broker, real estate agent or association provides a copy of a declaration, governing document or deed to any person, California law requires that the document provided shall include a statement regarding any unlawful restrictions. Said statement is to be in at least 14-point bold face type and may be stamped on the first page of any document provided or included as a cover page attached to the requested document. Should a party to this transaction request a copy of any document reported herein that fits this category, the statement is to be included in the manner described. 8. Note: Any documents being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee, an authorized employee of a Company agent, an authorized employee of the insured lender, or by using Bancserv or other Company-approved third-party service. If the above requirement cannot be met, please call the Company at the number provided in this report. Your Reference: Chicago Title Company INFORMATIONAL NOTES (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 2 Order No.: 45002680-450-SM-MW1 9. Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk- Recorder. 10. Due to the special requirements of SB 50 (California Public Resources Code Section 8560 et seq.), any transaction that includes the conveyance of title by an agency of the United States must be approved in advance by the Company’s State Counsel, Regional Counsel, or one of their designees. END OF INFORMATIONAL NOTES Marc Wisneski/708 Wire Fraud Alert Page 1 Original Effective Date: 5/11/2017 Current Version Date: 5/11/2017 WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved Wire Fraud Alert This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non‐exclusive self‐protection strategies are recommended to minimize exposure to possible wire fraud. NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the phone number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature. For more information on wire‐fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation:Internet Crime Complaint Center: http://www.fbi.gov http://www.ic3.gov FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 1 Order No. 45002680-450-SM-MW1 FIDELITY NATIONAL FINANCIAL, INC. PRIVACY NOTICE Effective April 9, 2020 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); 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. 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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. 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 three main purposes: To provide products and services to you or in connection with a transaction involving you. To improve our products and services. To communicate with you about our, our affiliates’, and others’ products and services, jointly or independently. When Information Is Disclosed We may disclose your Personal Information and Browsing Information in the following circumstances: to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; to 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; FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 2 Order No. 45002680-450-SM-MW1 to nonaffiliated third party service providers 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 may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see “Choices with Your Information” to learn how to restrict that sharing. 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 If you do not want FNF to share your information among our affiliates to directly market to you, you may send an “opt out” request by email, phone, or physical mail as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent. 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/californiaprivacy.aspx) or call (888) 413-1748. For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: 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: BCPINFO@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 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. 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. 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. FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 3 Order No. 45002680-450-SM-MW1 Your Consent To This Privacy Notice; Notice Changes; Use of Comments or Feedback 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. We may use comments or feedback that you submit to us in any manner without notice or compensation to you. Accessing and Correcting Information; Contact Us If you have questions, would like to correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, send your requests to privacy@fnf.com, by phone to (888) 934-3354, or by mail to: Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Florida 32204 Attn: Chief Privacy Officer Attachment One – CA (Rev. 05-06-16)Page 1 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. ATTACHMENT ONE (Revised 05-06-16) CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY – 1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, proh biting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6. Any lien or right to a lien for services, labor or material not shown by the public records. CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage descr bed in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; Attachment One – CA (Rev. 05-06-16)Page 2 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. c. that result in no loss to You; or d. that first occur after the Policy Date - this does not limit the coverage descr bed in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors’ rights laws. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner’s Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deduct ble Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Your Deductible Amount Our Maximum Dollar Limit of Liability Covered Risk 16:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) Covered Risk 18:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 19:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 21:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) 2006 ALTA LOAN POLICY (06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. 6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b). The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE {Except as provided in Schedule B - Part II,{ t{or T}his policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of: Attachment One – CA (Rev. 05-06-16)Page 3 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. {PART I {The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the Public Records.} PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:} 2006 ALTA OWNER’S POLICY (06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer; or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 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: {The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the Public Records. } 7. {Variable exceptions such as taxes, easements, CC&R’s, etc. shown here.} Attachment One – CA (Rev. 05-06-16)Page 4 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY – ASSESSMENTS PRIORITY (04-02-15) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys’ fees or expenses which arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25. 8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6. 9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy. 10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. CONFIDENTIAL SLPC ETRANS CREDIT MEMORANDUM UCT CANNABIS / BUSINESS PLAN 2 Table of Contents Executive Summary ...................................... 3 Company Summary ..................................... 4 Market Opportunities ................................... 5 Start-up Summary ........................................ 7 Financial Summary ...................................... 8 Sales Strategy ................................................ 9 Marketing Plan .......................................... 10 Competition ............................................... 10 Operating Plan ............................................ 12 Cultivation Facility .................................... 13 Transportation ............................................ 17 Packaging and Labeling ............................ 17 Laboratory Testing Requirements ............. 18 Tracking Solution ...................................... 18 Organizational Structure ........................... 20 Structure .................................................... 21 Ownership ................................................. 21 Financial Plan.............................................. 23 Direct and Operating Expense Breakdown 24 Profit & Loss Forecast ............................... 26 Appendix ...................................................... 27 UCT Cannabis 3 Executive Summary Company Summary Market Opportunities Start-up Summary Financial Summary UCT CANNABIS / BUSINESS PLAN 4 Company Summary UCT Cannabis is an existing transportation company which is intending to penetrate into the cannabis cultivation market in California. UCT Cannabis is applying for a Class 2B license and intends to start with one warehouse consisting of 16,875 square feet. UCT Cannabis intends to start its growing business from licensed cultivation from 8,860 square feet of canopied grow rooms. UCT Cannabis will be formed as a California limited liability company if and after permit receipt, where Kevin Lu and Alan Wu shall be equal managing-members. Messrs. Lu and Wu also co-own and operate United Coach Tours, Inc., South City Auto Center, Inc., and United Coach, LLC. The latter, United Coach, LLC, is currently in escrow to purchase the facility UCT Cannabis intends to operate, located at 920 S. Topeka Avenue, Fresno, California. UCT Cannabis is a company that will be built on a solid foundation. From our inception, we have decided to recruit only qualified people to man various job positions in our company. UCT Cannabis will seek to leverage our expertise in business to build our business brand as a premiere recreational cannabis cultivator within the United States. Main Goals ✓ Obtaining the California Cannabis cultivator license Type 2B and to build a successful commercial cultivation facility. ✓ Build a team of experts and innovators in the cannabis industry to develop a premier standard for smaller and developing operators to encourage and inspire to this developing industry ✓ To be fully compliant with all state and local municipalities and be primed and ready for national expansion as federal laws adjust and evolve to the benefit of the cannabis industry. Mission ✓ To grow one of the best cannabis products, to establish an innovative cannabis growing brand with affordable prices to retailers and manufacturers of California. Products & Services Company will have the ability to vegetate up to 1,000 plants and flowers concurrently, will grow up to 11 different strains of cannabis, and will have the ability to grow from seedling to finished product. UCT Cannabis will dry and process all cannabis flowers into labeled/inventoried vacuum sealed bags before delivery. Objectives Year 1: Securing the license to start cultivation in state California. Year 3: Brand and distribute our product line throughout California. Year 5: The UCT Cannabis brand is now a trusted and consistent brand. UCT Cannabis 5 Market Opportunities According to the report by Arcview Market Research and BDS Analytics: “The Road Map to a $57 Billion Worldwide Market"1, spending on legal cannabis worldwide is expected to hit $57 billion by 2027. The recreational cannabis market will cover about 67% of the spending while medical cannabis will take up the remaining 33%. The North America legal cannabis market amounted to almost $14 billion in 2019, growing by 30 percent on the year. The largest market was the United States, which totaled $12.2 billion. It was followed by Canada with about $1.7 billion. Analysts predict the overall cannabis market for legal adult-use and medical sales in North America to reach $24.5 billion by 2021 with the compound annual growth rate (CAGR) to over 20%. With the adoption of the 2020 initiatives, about 33% of the population now lives in jurisdictions that have legalized recreational cannabis, and 70% of all states have approved cannabis for medical use. In 2015 Gov. Jerry Brown signed three bills that toughened regulations for medical cannabis businesses and sought standards for documentation and testing. On November 8, 2016, California voters have approved cannabis for recreational use. On June 27, 2017, the legislature passed, and Governor Brown signed into law the Medicinal and Adult-Use Cannabis Regulation and Safety Act (MAUCRSA), which creates the general framework for the regulation of both commercial medicinal and adult-use (recreational) cannabis. On January 1, 2018, the state began issuing licenses for commercial cannabis activity. Additionally, on January 1, 2018, two new cannabis taxes went into efect: a cultivation tax on all harvested cannabis that enters the commercial market and a 15 percent excise tax on the purchase of cannabis and cannabis products. As of January 2020, the state’s three licensing authorities have issued over 10,0002 commercial cannabis licenses to cannabis businesses throughout the state of California. In 2019, the combined year-to-date sales are estimated to hit almost $3 billion indicating 20% growth compared to 2018 and representing about 22 percent of U.S. sales. According to a study by the 1 https://arcviewgroup.com/research/reports/ 2 https://cannabis.ca.gov/check_a_license/ 650 700 700 800 850 950 1,000 1,100 1,950 3,800 1 2 3 4 5 6 7 8 9 10 0 1,000 2,000 3,000 4,000 $ million Figure 1. Medical and recreational cannabis sales in top states, 2020 UCT CANNABIS / BUSINESS PLAN 6 University of California Agricultural Issues Center, California’s recreational cannabis market could be worth more than $5 billion. UCT Cannabis 7 Start-up Summary The business will be fully funded with million with an additional $ to follow at the beginning of Quarter 2. Additionally, the anticipated facility shall be purchased for $1.2 million and is currently in escrow. This will include total capital cost of over $million, leaving nearly as working capital. Table 1. Start-up expenses, $ UCT CANNABIS / BUSINESS PLAN 8 Financial Summary UCT Cannabis will fund its startup costs largely through personal savings/investments. From a total investment of $million, UCT Cannabis is expected to generate nearly $ million in gross revenues with net income of more than in Year 2, its first full year of operations. Revenues are expected to grow and After the first year of operations, it is expected that UCT Cannabis will be able to trim expenses through realizing business efficiencies, gaining operational experience and industry knowledge. Direct and Indirect Social Impacts Company will create more than six new jobs in the first year with at least in direct local salaries and at least in indirect local salaries through the security provider. Company also intends 15% of EBIDTA will be allocated to the different community programs described in our Social Policy and Local Enterprise Plan. Table 2. Taxes and social flow, $ UCT CANNABIS / BUSINESS PLAN 10 Marketing Plan Because cannabis is illegal under federal law, state governments and online advertising platforms are placing strict rules on how companies can market their products. Google, Facebook and Twitter all have advertising policies that restrict the promotion of the sale of cannabis. Google’s policy prohibits ads that promote “substances that alter mental state for the purpose of recreation.” Facebook restricts any “illegal, prescription, or recreational drugs.” And Twitter bans “illegal drugs” as well as substances that cause “legal highs.” Instagram and Facebook have decided to go a step further by removing pages of cannabis related businesses. The most effective strategies for legal marijuana companies are direct marketing at industry conferences and other events, building communities around marijuana -related concerns such as health and wellness. The marketing and sales strategy of UCT Cannabis will be based on generating long-term personalized relationships with manufactures and dispensaries. Marketing and advertising campaign includes: - Meeting with distributors and retailers - E-mail Marketing - Advertising and articles in the thematic Magazines - Business events and conferences - Business and industry associations - Brand development - Brochures - Website development with search engine optimization - Cannabis business directories and platforms Table 3. Cannabis business directories WEEDMAP https://weedmaps.com/ With over 7,750 listings throughout the U.S., Canada, and Europe. WeedMaps has 7.96 million total visits each month. LEAFY https://www.leafly.com/ Leafy is a cannabis information resource for finding the right strains and products. Leafy has 226.27 thousand total visits each month. https://www.cannasaver.com/ http://cannabiscouponcodes.com/ Websites for cannabis and related coupons. 310.04 and 81.49 thousand total visits each month correspondingly. Competition In every business there is competition, however, we believe we possess several strengths that will allow us to remain visible on UCT Cannabis radar at all times. The cannabis industry is known to be highly competitive in the U.S and in most parts of the world. The industry is growing and there are alternative ways through which clients/patients can obtain their cannabis. There is alternative provide UCT Cannabis 11 methods like mail-order firms, grocery chains, mass merchants and dollar stores; these are the real competitors in the industry. These competitors ensure that they do all that lies within their power to gain a favorable market share of the available market in any given region. In this industry, most of the competitive dynamics center around the quality of cannabis cultivated, the service offered, the location where the cultivation will be done. The branding of UCT Cannabis plays a significant role. Even though competition is stiff especially from the big, well-backed enterprises, smaller enterprises can still get their fair share of the market if they stay true to the competitive dynamics. It is a fact that small cannabis cultivation operations will always struggle with larger based cannabis cultivation operations when it comes to pricing power and brand recognition, hence the reason why smaller based operations will always go out of their ways to deliver excellent client service. It is through top-notch client service that they can secure a fair share of the available market. UCT Cannabis 13 While most businesses in any industry try to keep startup costs as low as possible, that isn’t necessarily the best way to proceed when opening a grow. Creating a cost-efficient cultivation site often involves investing in technology and processes that may result in a big near-term hit. Yields and quality of plants grown under artificial lights mostly depend on: 1. the seed variety, 2. whether the plants are grown from seeds or clones, 3. after how many days of growing the plants are put into flowering, and 4. the optimization of the climatic conditions of the grow-room. Cultivation Facility The cultivation premises will be located in a 16,875 sq. ft. building and will be adequate to house and grow up to 1,250 plants. Our cultivation & processing area will include: • Mother Room & Cloning • Vegetative Growth Rooms • Flowering Rooms • Drying & Trim Rooms • Curing Rooms • Packaging Rooms Warehouse Design A. A warehouse environment provides with maximum control, and therefore the most reliable consistent cannabis crops can be produced in a properly designed warehouse grow room. B. Without natural light, warehouse grow rooms depend on intelligent grow lights which need to replicate the parts of the sunlight spectrum that the marijuana plants need at each stage of growth. Lighting is a key component in an integrated system. UCT CANNABIS / BUSINESS PLAN 14 C. Air filtration and circulation systems are essential for controlling heat buildup and eliminating exhaust odors. It is critical that the air circulation in a marijuana warehouse is designed in conjunction with the grow lights because lighting systems emit large amounts of heat. D. There are various irrigation systems for growing cannabis appropriate for growing in a warehouse: including drip irrigation, hydroponic flood benches, or trough benches. E. The irrigation system should be designed in conjunction with a nutrient management system for maximizing the production yield of the cannabis plants. F. Environmental computer. The computer control systems for a cannabis warehouse control and monitor all the nutrients, lights, air circulation, and irrigation needs of the plants G. De-humidification to optimize growing environment. H. Computer controlled CO2 injection and monitoring. Company will use rolling benches / growing tables which are highly recommended for any commercial cannabis grow operation. They provide up to 50% more plant space by eliminating the need for a dedicated aisle. With a crop, as valuable as marijuana, this directly equates to much higher profits and maximum space efficiency. Main features: ▪ Aluminum extruded sides and ends ▪ Miter cut corners ▪ Hot dipped galvanized steel stands ▪ Aluminum cross members ▪ Snap together fittings ▪ Threaded rods for adjustment up to 12" ▪ Top quality plastic or aluminum flood trays ▪ 13 gauge expanded metal bench tops ▪ 2" diameter rolling tubes UCT Cannabis 17 Transportation 1. Cannabis items will be transferred only between licensed premises by a licensee or licensee representative. 2. An individual authorized to transport cannabis items will have a valid Driver’s License. 3. UCT Cannabis intend to: • Keep cannabis items in transit shielded from public view; • Use a vehicle for transport that is: - Insured at or above the legal requirements in California; - Capable of securing (locking) the cannabis items during transportation; - Equipped with an alarm system; and - Capable of being temperature controlled if perishable cannabis items are being transported. • Use CTS, generate a printed transport manifest that accompanies every transport of cannabis items that contains the following information: - The name, contact information of a licensee representative, licensed premises address and license number of the licensee transporting the cannabis items; - The name, contact information of the licensee representative, licensed premi ses address, and license number of the licensee receiving the delivery; - Product name and quantities (by weight or unit) of each cannabis item contained in each transport, along with the UIDs for every item; - The date of transport and approximate time of departure; - Arrival date and estimated time of arrival; - Delivery vehicle make and model and license plate number; and - Name and signature of the licensee’s representative accompanying the transport. 4. Company will generate the manifest of this rule at least 24 hours in advance of initiating transportation. 5. All cannabis items will be packaged in shipping containers and labeled with a UID tag prior to transport. 6. Company will be able to provide a copy of the transport manifest to each licensed premise receiving the inventory described in the transport manifest. 7. Company will be able to provide a copy of the printed transport manifest and any printed receipts for cannabis items delivered to law enforcement officers or other representatives of a government agency if requested to do so while in transit. 8. UCT Cannabis will contact the Commission immediately, or as soon as possible under the circumstances, if a vehicle transporting cannabis items is involved in any accident that involves product loss. 9. Company will provide temperature control for perishable cannabis items during transport. 10. Company will notify the Commission in advance of the location of every stop at an unlicensed location that exceeds two hours in duration and will make the vehicle and its contents available for inspection upon the request. Packaging and Labeling Company will conduct the following regulations for packaging and labeling: UCT CANNABIS / BUSINESS PLAN 18 1. Cannabis packages and labels shall not be made to be attractive to children. 2. All cannabis product labels shall include the following information, prominently displayed and in a clear and legible font: a. Manufacture date and source. b. The statement “SCHEDULE I CONTROLLED SUBSTANCE.” c. The statement “KEEP OUT OF REACH OF CHILDREN AND ANIMALS” in bold print. d. The statement “FOR MEDICAL USE ONLY.” e. The statement “THE INTOXICATING EFFECTS OF THIS PRODUCT MAY BE DELAYED BY UP TO TWO HOURS.” f. The statement “THIS PRODUCT MAY IMPAIR THE ABILITY TO DRIVE OR OPERATE MACHINERY. PLEASE USE EXTREME CAUTION.” g. For packages containing only dried flower, the net weight of cannabis in the package. h. A warning if nuts or other known allergens are used. i. List of pharmacologically active ingredients, including, but not limited to, tetrahydrocannabinol (THC), cannabidiol (CBD), and other cannabinoid content, the THC and other cannabinoid amount in milligrams per serving, servings per package, and the THC and other cannabinoid amount in milligrams for the package total. j. Clear indication, in bold type, that the product contains cannabis. k. Identification of the source and date of cultivation and manufacture. l. Any other requirements set by the bureau. m. Information associated with the unique identifier issued by the Department of Food and Agriculture pursuant to Section 11362.777 of the Health and Safety Code. n. Only generic food names may be used to describe edible cannabis products. Laboratory Testing Requirements ✓ Untested cannabis goods cannot be sold by a retailer and must be destroyed. A retailer may not send cannabis goods to a distributor for testing. ✓ Untested cannabis goods manufactured or harvested before January 1, 2018, in possession of a distributor that are owned by the distributor must be destroyed. ✓ Untested cannabis goods manufactured or harvested before January 1, 2018, in the possession of a distributor owned by a manufacturer or cultivator may be returned to the licensee who owns the cannabis goods. If a cultivator or manufacturer chooses to sell the returned cannabis goods, the cannabis goods must be sent to a distributor for testing and must meet all of the testing requirements in effect at the time of testing before transported to a retailer for sale. Tracking Solution Company intends to use special seed-to sales tracking solution for the cannabis cultivation business, which allows licensed operators to remain compliant while helping to identify key data points to streamline and optimize inventory management at each phase of the operation: (A) Custom Compliance-Focused Reporting (B) Track Waste, Destruction, Account for Conversion and Moisture Loss (C) Real-Time Product and Strain Recalls UCT Cannabis 19 (D) Easily Track Clones Back to Mothers (E) Transport Manifests with All Required Info, including Transport Product with Ease (F) Compliance-Focused Labels The solution also includes the following modules: Yield Forecasting – Monitoring and analyzing the harvest data to optimize for larger yields. Grower-Centric – Customizing workflows to support the weighing of multiple plant by-products (wet or dry), plus multiple data collection points and ability to grade product quality upon curing. Analyze Efforts – Monitoring Pesticides and Nutrients applied, log Strain Notes detailing light and watering cycles, plus review Past Harvest Data to optimize your future yields. UCT CANNABIS / BUSINESS PLAN 22 mechanics and repair. Beginning his career in auto mechanics and repair, he earned his way to becoming the shop manager at Pacific Auto Body in San Francisco, where he managed his staff and handled all operations. In 2007, Kevin, with his managing partner, Alan Bo Wu, founded United Coach Tours, Inc., a successful transportation and tour company. Thereafter, Kevin also founded South City Auto Center, Inc., a successful auto mechanical performance and repair service located in South San Francisco. Both businesses have proven to be wildly successful with a demonstrable history of customer satisfaction.3 In 2013, Kevin co-founded United Coach, LLC, a commercial property investment firm, which has recently entered into contract and escrow to purchase the facility for UCT Cannabis, located at 920 S. Topeka Avenue, Fresno, California. Although Kevin possesses limited cannabis-related experience, he has a proven history of self- determined success, believing in the strong value derived from surrounding yourself with the expertise to form a cohesive team for success. Throughout his career, Kevin has developed strong and influential relationships with similar-minded business operators, including numerous operators in the Cannabis industry. Kevin possesses the mindset and resources to not only succeed in the industry but to champion its growth in the community and the community as a whole. Alan Bo Wu Alan Bo Wu, an immigrant from native China, is the chief financial officer for United Coach Tours, Inc., South City Auto Center, Inc., together with serving as co-founder and managing partner of United Coach, LLC. 3 United Coach Tours possesses a five-star rating on Yelp from 138 reviews (https://www.yelp.com/biz/united-coach-tours-south-san-francisco); South City Auto Center possesses a five-star rating on Yelp from 5 reviews (https://www.yelp.com/biz/south-city-auto-center- south-san-francisco). UCT CANNABIS / BUSINESS PLAN 24 Direct and Operating Expense Breakdown Direct Costs Table 6. Direct costs, $ Operating Expenses Table 7. Operating costs, $ UCT CANNABIS / BUSINESS PLAN 26 Profit & Loss Forecast Business’s revenue is projected to grow significantly for the first two years’ timeframe. The yearly projections are in the table below: UCT CANNABIS / BUSINESS PLAN 28 Cultivation Site Description. A general description of the proposed cultivation site, including the street address, parcel number, the total square footage of the site, the total square footage of marijuana canopy, and the characteristics of the surrounding area. Floor plan. A scaled floor plan for each level of each building that makes up the cultivation site, including the entrances, exits, walls, and cultivation areas. The floor plan must be professionally prepared by a licensed civil engineer or architect. Site plan. A scaled site plan of the cultivation site, including all buildings, structures, driveways, parking lots, landscape areas, and boundaries. The site plan must be professionally prepared by a licensed civil engineer or architect. A cultivation site shall comply with the following requirements: A. Entrances. All entrances into the buildings on the cultivation site shall be locked at all times with entry controlled by the marijuana cultivation managers and staff. B. Main entrance and lobby. The cultivation site shall have a building with a main entrance that is clearly visible from the public street or sidewalk. The main entrance shall be maintained clear of barriers, landscaping, and other obstructions. Inside of the main entrance, there shall be a lobby to receive persons into the site and to verify whether they are allowed in the cultivation areas. C. Cultivation area. All cultivation areas in any building on the cultivation site shall be separated from the main entrance and lobby and shall be secured by a lock accessible only to managers and staff of the marijuana cultivation permittee. D. Transport area. Each building with a cultivation area shall have an area designed for the secure transfer of marijuana from the cultivation area to a vehicle for transportation. E. Storage area. Each building with a cultivation area shall have adequate storage space for marijuana that has completed the cultivation process or is otherwise not being cultivated. The storage areas shall be separated from the main entrance and lobby and shall be secured by a lock accessible only to managers and staff of the marijuana cultivation permittee. Security plan. A detailed security plan outlining the measures that will be taken to ensure the safety of persons and property on the cultivation site. The security plan must be prepared by a qualified professional. A cultivation site shall comply with the following security requirements: A. A marijuana cultivation permittee shall comply with the security plan that is approved by the city manager, which plan may include building specifications, lighting, alarms, and state-licensed security personnel. B. Each security plan approved by the city manager must include the following: 1. Security surveillance cameras. Security surveillance cameras and a video recording system must be installed to monitor all doors into the buildings on the cultivation site, the parking lot, loading areas, and all exterior sides of the property adjacent to the public rights of way. The cameras and UCT Cannabis 29 recording system must be of adequate quality, color rendition, and resolution to allow the identification of any individual present on the cultivation site. The recording system must be capable of exporting the recorded video in standard MPEG formats to another common medium, such as a DVD or USB drive. 2. Security video recording and retention. Video from the security surveillance cameras must be recording at all times (24 hours a day, seven days a week) and the recording shall be maintained for at least 30 days. The video recordings shall be made available to the city upon request. 3. Alarm system. Professionally and centrally-monitored fire, robbery, and burglar alarm systems must be installed and maintained in good working condition. The alarm system must include a private security company that is required to respond to every alarm. C. A marijuana cultivation permittee shall report to the city police department all criminal activity occurring on the cultivation site. Lighting plan. A lighting plan showing existing and proposed exterior and interior lights that will provide adequate security lighting for the use. Odor control. A detailed plan describing the air treatment system, or other methods that will be implemented to prevent odors generated from the cultivation and storage of marijuana from being detected outside the buildings on the cultivation site. A marijuana cultivation permittee shall prevent all odors generated from the cultivation and storage of marijuana from escaping from the buildings on the cultivation site, such that the odor cannot be detected by a reasonable person of normal sensitivity outside the buildings. Compliance with the Planning and Development Code. A copy of a valid conditional use permit approved by the city for the proposed location. Statement of owner’s consent. Written consent of the owner or landlord of the proposed site to operate a marijuana cultivation business, specifying the street address and parcel number. Price list. A list of the most recent prices for all products and services provided by the applicant. SCHEDULE A SCHEDULE B Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 3 Orde EXHIBIT A LEGAL DESCRIPTION THE LAND REFERRED TO HEREIN BELOW IS SITUATED IN THE CITY OF FRESNO, COUNTY OF FRESNO, STATE OF CALIFORNIA, AND IS DESCRIBED AS FOLLOWS: A PARCEL OF LAND BEING A PORTION OF TRACT NO. 1 IN DEED TO THE SAN FRANCISCO AND SAN JOAQUIN VALLEY RAILWAY COMPANY (PREDECESSOR IN INTEREST TO THE ATCHISON, TOPEKA AND SANTA FE RAILWAY COMPANY) RECORDED OCTOBER 7, 1899 IN VOLUME 229 PAGE 470 OF DEEDS, FRESNO COUNTY RECORDS, IN THE EAST HALF OF THE NORTHEAST QUARTER OF SECTION 10, TOWNSHIP 14 SOUTH, RANGE 20 EAST, MOUNT DIABLO BASE AND MERIDIAN, DESCRIBED AS FOLLOWS: BEGINNING AT THE INTERSECTION OF THE WESTERLY LINE OF SAID TRACT NO. 1 WITH THE SOUTHWESTERLY LINE OF SAID TRACT NO. 1; THENCE NORTH 0° 10' 00" EAST ALONG SAID WESTERLY LINE, 432.88 FEET; THENCE SOUTH 41' 32' 30" EAST, 458.01 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF SAID COUNTY; THENCE SOUTH 48° 27' 30" WEST ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF THAT CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY; 121.52 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND; THENCE SOUTH 41° 32' 30" EAST ALONG THE SOUTHWESTERLY LINE OF LAST SAID PARCEL OF LAND, 250.00 FEET TO THE MOST SOUTHERLY CORNER OF LAST SAID PARCEL OF LAND; THENCE NORTH 48° 27' 30" EAST ALONG THE SOUTHEASTERLY LINE OF LAST SAID PARCEL OF LAND AND THE SOUTHEASTERLY LINE OF SAID 0.6 14 OF AN ACRE PARCEL OF LAND, 111.50 FEET TO THE MOST EASTERLY CORNER OF SAID 0.614 OF AN ACRE PARCEL OF LAND; THENCE SOUTH 41° 32' 30" EAST ALONG THE SOUTHEASTERLY PROLONGATION OF THE NORTHEASTERLY LINE OF SAID 0.614 OF AN ACRE PARCEL OF LAND 250.00 FEET; THENCE SOUTH 48° 27' 30" WEST, 15.76 FEET; THENCE SOUTH 41° 32' 30" EAST, 766.46 FEET; THENCE SOUTHEASTERLY AND SOUTHERLY ALONG THE ARC OF A CURVE TANGENT TO THE PRECEDING COURSE, CONCAVE WESTERLY AND HAVING A RADIUS OF 386.02 FEET, THROUGH A CENTRAL ANGLE OF 43° 47' 42", A DISTANCE OF 294.30 FEET; THENCE SOUTH 2° 15' 12" WEST TANGENT TO THE PRECEDING CURVE, 286.84 FEET TO A POINT IN THE ARC OF A CURVE CONCENTRIC WITH AND DISTANT NORTHEASTERLY 90.00 FEET MEASURED RADIALLY FROM THAT CERTAIN CURVE HEREINABOVE DESCRIBED IN PARCEL NO. 2 AS HAVING A RADIUS OF 1386.69 FEET AND A LENGTH OF 732.06 FEET; THENCE NORTHWESTERLY ALONG THE ARC OF SAID CONCENTRIC CURVE FROM WHENCE A RADIAL BEARS SOUTH 63° 08' 47' WEST, CONCAVE SOUTHWESTERLY AND HAVING A RADIUS OF 1476.69 FEET, THROUGH A CENTRAL ANGLE OF 14° 41' 17", A DISTANCE OF 378.55 FEET TO POINT OF TANGENCY IN A LINE WHICH BEARS NORTH 41° 32' 30" WEST; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID LINE, 83.24 FEET TO A POINT IN THE SOUTHEASTERLY LINE OF THAT CERTAIN 0.9022 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED APRIL 18, 1960 IN BOOK 4375 PAGE 674, OFFICIAL RECORDS OF SAID COUNTY; THENCE NORTH 48° 27' 30" EAST ALONG SAID SOUTHEASTERLY LINE, 111.63 FEET TO A POINT IN THE SOUTHWESTERLY LINE OF THAT CERTAIN PARCEL OF LAND DESCRIBED IN DEED TO SAID RAILWAY COMPANY, RECORDED APRIL 26, 1960 IN BOOK 4379 PAGE 398, OFFICIAL RECORDS OF SAID COUNTY; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID SOUTHWESTERLY LINE, 300.00 FEET TO A POINT IN THE NORTHWESTERLY LINE OF SAID 0.9022 OF AN ACRE PARCEL OF LAND; THENCE SOUTH 48° 27' 30" WEST ALONG LAST SAID NORTHWESTERLY LINE, 109.20 FEET; THENCE NORTH 40° 44' 22" WEST, 961.43 FEET; THENCE SOUTH 49° 15' 38" WEST, 20.77 FEET TO A POINT IN SAID SOUTHWESTERLY LINE OF TRACT NO. 1; THENCE NORTH 41° 32' 30" WEST ALONG LAST SAID SOUTHWESTERLY LINE, 155.54 FEET TO POINT OF BEGINNING. EXCEPTING THEREFROM BEGINNING AT THE INTERSECTION OF THE WESTERLY LINE OF SAID TRACT NO. 1 WITH A LINE 325.50 FEET NORTHEASTERLY OF AND PARALLEL WITH THE ORIGINAL CENTER LINE OF THE SAN FRANCISCO AND SAN JOAQUIN VALLEY RAILWAY COMPANY (PREDECESSOR IN INTEREST TO THE ATCHISON, TOPEKA AND SANTA FE RAILWAY COMPANY) MAIN TRACK; THENCE Your Reference: Chicago Title Company EXHIBIT A (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 4 Orde SOUTH 41° 32' 30" EAST, PARALLEL WITH SAID MAIN TRACK, A DISTANCE OF 458.35 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF SAID COUNTY; THENCE SOUTH 48° 27' 30" WEST, ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF SAID CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY, 121.50 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND TO A POINT ON THE NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE; THENCE NORTH 41° 32' 30" WEST, ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE, PARALLEL WITH AND 204.00 FEET NORTHEASTERLY OF SAID MAIN TRACK, A DISTANCE OF 321.87 FEET TO THE SAID WESTERLY LINE OF TRACT NO. 1; THENCE NORTH 0° 08' 07" EAST, ALONG SAID WESTERLY LINE, A DISTANCE OF 182.73 FEET TO THE POINT OF BEGINNING. ALSO EXCEPTING THEREFROM COMMENCING AT THE INTERSECTION OF THE WESTERLY LINE OF TRACT NO. 1 WITH THE SOUTHWESTERLY LINE OF SAID TRACT NO. 1, AS SAID TRACT NO. 1 IS DESCRIBED IN THAT CERTAIN DEED RECORDED OCTOBER 7, 1899 IN BOOK 229 PAGE 470 OF DEEDS; THENCE NORTH 0° 08' 07" EAST, ALONG SAID WESTERLY LINE, 433.13 FEET; THENCE SOUTH 41° 32' 30" EAST, 458.35 FEET TO A POINT IN THE NORTHEASTERLY PROLONGATION OF THE NORTHWESTERLY LINE OF THAT CERTAIN 0.614 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED JUNE 6, 1946 AS DOCUMENT NO. 41739 IN BOOK 2398 PAGE 25, OFFICIAL RECORDS OF FRESNO COUNTY; THENCE SOUTH 48° 27 30" WEST, ALONG SAID NORTHEASTERLY PROLONGATION AND SAID NORTHWESTERLY LINE AND THE NORTHWESTERLY LINE OF THAT CERTAIN 0.0258 OF AN ACRE PARCEL OF LAND DESCRIBED IN DEED RECORDED AUGUST 15, 1961 IN BOOK 4596 PAGE 413, OFFICIAL RECORDS OF SAID COUNTY, 121.50 FEET TO THE MOST WESTERLY CORNER OF LAST SAID PARCEL OF LAND AND TO A POINT ON THE NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE; THENCE SOUTH 41° 32' 30" EAST, ALONG THE SOUTHWESTERLY LINE OF LAST SAID PARCEL OF LAND, AND ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE OF TOPEKA AVENUE, A DISTANCE OF 500.36 FEET TO THE TRUE POINT OF BEGINNING OF THIS DESCRIPTION: THENCE CONTINUING SOUTH 41° 32' 30" EAST, ALONG SAID NORTHEASTERLY RIGHT OF WAY LINE A DISTANCE OF 401.00 FEET; THENCE NORTH 480 27' 30" EAST, A DISTANCE OF 95.74 FEET; THENCE NORTH 41° 32' 30" WEST, A DISTANCE OF 401.00 FEET; THENCE SOUTH 48° 27' 30" WEST, A DISTANCE OF 95.74 FEET TO THE TRUE POINT OF BEGINNING. APN: 468-020-78 Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 5 Orde EXCEPTIONS AT THE DATE HEREOF, ITEMS TO BE CONSIDERED AND EXCEPTIONS TO COVERAGE IN ADDITION TO THE PRINTED EXCEPTIONS AND EXCLUSIONS IN SAID POLICY FORM WOULD BE AS FOLLOWS: 1. Property taxes, which are a lien not yet due and payable, including any assessments collected with taxes to be levied for the fiscal year 2020-2021. 2. The lien of supplemental or escaped assessments of property taxes, if any, made pursuant to the provisions of Chapter 3.5 (commencing with Section 75) or Part 2, Chapter 3, Articles 3 and 4, respectively, of the Revenue and Taxation Code of the State of California as a result of the transfer of title to the vestee named in Schedule A or as a result of changes in ownership or new construction occurring prior to Date of Policy. 3. The herein described property lies within the boundaries of the Fresno Metropolitan Flood Control District and may be subject to assessment for drainage fees and/or requirements to construct planned local drainage facilities Disclosed by: FMFCD Resolution No. 1816 Recording Date: July 31, 1995 Recording No.: 95092128, of Official Records No assessments have been levied at this time. 4.Easement(s) for the purpose(s) shown below and rights incidental thereto, as granted in a document: Granted to:San Joaquin Power Company, a Corporation Purpose:Public Utilities Recording Date: September 7, 1904 Recording No: as Book 314, Page 230, of Deeds Affects:a portion of the land Reference is hereby made to said document for full particulars. The exact location and extent of said easement is not disclosed of record. 5.Terms and provisions contained in an instrument Executed by: The Atchison, Topeka and Santa Fe Railway Company, a Corporation and the County of Fresno Recorded: January 16, 1905 in Book 314, Page 361 of Deeds. 6. A perpetual easement over, above and across said Parcel for Santa Fes existing communication lines, together with access rights for construction, maintenance and repair of said communication lines, as reserved in the Deed from the Atchison, Topeka and Santa Fe Railway Company to Santa Fe Land Improvement Company, a California Corporation, dated November 16, 1978 and recorded December 26, 1978 in Book 7186, Page 645 of Official Records, as Document No. 143081. 7. Rights of the public to any portion of the Land lying within the area commonly known as Topeka Avenue. Your Reference: Chicago Title Company EXCEPTIONS (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 6 Orde 8. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Notice of Completion Lessor:not shown Lessee:Thomas A. Brown Recording Date: August 5, 1983 Recording No: 83070981, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 9. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Financing Statement Lessor:Not shown Lessee:Recycled Fibers of California, Inc. Recording Date: April 26, 1991 Recording No: 91049827, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 10. An unrecorded lease with certain terms, covenants, conditions and provisions set forth therein as disclosed by the document Entitled:Notice Lessor:Catellus Development Corporation Lessee:Nat Feinn & Son Recording Date: April 19, 1991 Recording No: 91045946, of Official Records The present ownership of the leasehold created by said lease and other matters affecting the interest of the lessee are not shown herein. 11. A notice that said Land is included within a project area of the Redevelopment Agency shown below, and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law (such redevelopment to proceed only after the adoption of the redevelopment plan) as disclosed by a document Redevelopment Agency: The South Van Ness Redevelopment Project Recording Date:July 23, 1998 Recording No.:98102553, of Official Records An agreement to modify the terms and provisions of the said document, as therein provided Executed by:Redevelopment Agency of the City of Fresno Recording Date:December 12, 2007 Recording No.:2007-0219953 of Official Records Your Reference: Chicago Title Company EXCEPTIONS (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 7 Orde 12. A notice that said Land is included within a project area of the Redevelopment Agency shown below, and that proceedings for the redevelopment of said project have been instituted under the Redevelopment Law (such redevelopment to proceed only after the adoption of the redevelopment plan) as disclosed by a document Redevelopment Agency: South Van Ness Industrial Redevelopment Project Recording Date:September 20, 2010 Recording No.:2010-0123143 of Official Records 13. Water rights, claims or title to water, whether or not disclosed by the public records. 14.Any rights of the parties in possession of a portion of, or all of, said Land, which rights are not disclosed by the public records. The Company will require, for review, a full and complete copy of any unrecorded agreement, contract, license and/or lease, together with all supplements, assignments and amendments thereto, before issuing any policy of title insurance without excepting this item from coverage. The Company reserves the right to except additional items and/or make additional requirements after reviewing said documents. 15. Any easements not disclosed by the public records as to matters affecting title to real property, whether or not said easements are visible and apparent. 16. Any lien or right to a lien for services, labor or material not shown by the Public Records. 17. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other matters which a correct survey would disclose and which are not shown by the public records. 18. Matters which may be disclosed by an inspection and/or by a correct ALTA/NSPS Land Title Survey of said Land that is satisfactory to the Company, and/or by inquiry of the parties in possession thereof. 19. The search did not disclose any open mortgages or deeds of trust of record, therefore the Company reserves the right to require further evidence to confirm that the property is unencumbered, and further reserves the right to make additional requirements or add additional items or exceptions upon receipt of the requested evidence. PLEASE REFER TO THE “INFORMATIONAL NOTES” AND “REQUIREMENTS” SECTIONS WHICH FOLLOW FOR INFORMATION NECESSARY TO COMPLETE THIS TRANSACTION. END OF EXCEPTIONS Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 8 Orde REQUIREMENTS SECTION 1. The Company will require that an Owner’s Affidavit be completed by the party(s) named below before the issuance of any policy of title insurance. Party(s):GM Gabrych Family Limited Partnership The Company reserves the right to add additional items or make further requirements after review of the requested Affidavit. 2. Before issuing its policy of title insurance, the Company will require the following for the below-named limited partnership: Name:GM Gabrych Family Limited Partnership Certificate of Limited Partnership filed with the Secretary of State, in compliance with the provisions of the California Revised Limited Partnership Act, Section 15611 et. seq., Corporations Code. Certified Copy of the Certificate of Limited Partnership certified by the Secretary of State filed with the County Recorder. The Company reserves the right to add additional items or make further requirements after review of the requested documentation 3. The Company will require the following documents for review prior to the issuance of any title insurance assurance predicated upon a conveyance or encumbrance by the suspended corporation or LLC named below: Name of Corporation or LLC: United Coach LLC a) A Certificate of Revivor b) A Certificate of Relief from Voidability c) Confirmation that there is no court order voiding the contract upon which the conveyance is based. The Company reserves the right to add additional items or make further requirements after review of the requested documentation. END OF REQUIREMENTS Your Reference: Chicago Title Company CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 1 Order No.: 45002680-450-SM-MW1 INFORMATIONAL NOTES SECTION Notice: Please be aware that due to the conflict between federal and state laws concerning the cultivation, distribution, manufacture or sale of marijuana, the Company is not able to close or insure any transaction involving Land that is associated with these activities. 1. Note: The charge for a policy of title insurance, when issued through this title order, will be based on the Basic Title Insurance Rate. 2. Note: The name(s) of the proposed insured(s) furnished with this application for title insurance is/are: Name(s) furnished: United Coach LLC If these name(s) are incorrect, incomplete or misspelled, please notify the Company. 3.Note: The Company is not aware of any matters which would cause it to decline to attach CLTA Endorsement Form 116 indicating that there is located on said Land Commercial Property, known as 920 South Topeka Avenue, Fresno, CA, to an Extended Coverage Loan Policy. 4. Note: Property taxes for the fiscal year shown below are PAID. For proration purposes the amounts were: Tax Identification No.: 468-020-78 Fiscal Year:2019-2020 1st Installment: 2nd Installment: Exemption: Land: Improvements: Personal Property: Code Area:005-995 Prior to close of escrow, please contact the Tax Collector's Office to confirm all amounts owing, including current fiscal year taxes, supplemental taxes, escaped assessments and any delinquencies. 5.Note: There are NO conveyances affecting said Land recorded within 24 months of the date of this report. 6. The application for title insurance was placed by reference to only a street address or tax identification number. The proposed Insured must confirm that the legal description in this report covers the parcel(s) of Land requested to be insured. If the legal description is incorrect, the proposed Insured must notify the Company and/or the settlement company in order to prevent errors and to be certain that the legal description for the intended parcel(s) of Land will appear on any documents to be recorded in connection with this transaction and on the policy of title insurance. 7. Note: If a county recorder, title insurance company, escrow company, real estate broker, real estate agent or association provides a copy of a declaration, governing document or deed to any person, California law requires that the document provided shall include a statement regarding any unlawful restrictions. Said statement is to be in at least 14-point bold face type and may be stamped on the first page of any document provided or included as a cover page attached to the requested document. Should a party to this transaction request a copy of any document reported herein that fits this category, the statement is to be included in the manner described. 8. Note: Any documents being executed in conjunction with this transaction must be signed in the presence of an authorized Company employee, an authorized employee of a Company agent, an authorized employee of the insured lender, or by using Bancserv or other Company-approved third-party service. If the above requirement cannot be met, please call the Company at the number provided in this report. Your Reference: Chicago Title Company INFORMATIONAL NOTES (Continued) CLTA Preliminary Report Form (Modified 11/17/06)Last Saved: 10/16/2020 6:23 AM by PE lPrelim (DSI Rev. 04/03/20)Page 2 Order No.: 45002680-450-SM-MW1 9. Pursuant to Government Code Section 27388.1, as amended and effective as of 1-1-2018, a Documentary Transfer Tax (DTT) Affidavit may be required to be completed and submitted with each document when DTT is being paid or when an exemption is being claimed from paying the tax. If a governmental agency is a party to the document, the form will not be required. DTT Affidavits may be available at a Tax Assessor-County Clerk- Recorder. 10. Due to the special requirements of SB 50 (California Public Resources Code Section 8560 et seq.), any transaction that includes the conveyance of title by an agency of the United States must be approved in advance by the Company’s State Counsel, Regional Counsel, or one of their designees. END OF INFORMATIONAL NOTES Marc Wisneski/708 Wire Fraud Alert Page 1 Original Effective Date: 5/11/2017 Current Version Date: 5/11/2017 WIRE0016 (DSI Rev. 12/07/17) TM and © Fidelity National Financial, Inc. and/or an affiliate. All rights reserved Wire Fraud Alert This Notice is not intended to provide legal or professional advice. If you have any questions, please consult with a lawyer. All parties to a real estate transaction are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email, without further verification. If funds are to be wired in conjunction with this real estate transaction, we strongly recommend verbal verification of wire instructions through a known, trusted phone number prior to sending funds. In addition, the following non‐exclusive self‐protection strategies are recommended to minimize exposure to possible wire fraud. NEVER RELY on emails purporting to change wire instructions. Parties to a transaction rarely change wire instructions in the course of a transaction. ALWAYS VERIFY wire instructions, specifically the ABA routing number and account number, by calling the party who sent the instructions to you. DO NOT use the phone number provided in the email containing the instructions, use phone numbers you have called before or can otherwise verify. Obtain the phone number of relevant parties to the transaction as soon as an escrow account is opened. DO NOT send an email to verify as the email address may be incorrect or the email may be intercepted by the fraudster. USE COMPLEX EMAIL PASSWORDS that employ a combination of mixed case, numbers, and symbols. Make your passwords greater than eight (8) characters. Also, change your password often and do NOT reuse the same password for other online accounts. USE MULTI-FACTOR AUTHENTICATION for email accounts. Your email provider or IT staff may have specific instructions on how to implement this feature. For more information on wire‐fraud scams or to report an incident, please refer to the following links: Federal Bureau of Investigation:Internet Crime Complaint Center: http://www.fbi.gov http://www.ic3.gov FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 1 Order No. 45002680-450-SM-MW1 FIDELITY NATIONAL FINANCIAL, INC. PRIVACY NOTICE Effective April 9, 2020 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); 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 types 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. 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 three main purposes: To provide products and services to you or in connection with a transaction involving you. To improve our products and services. To communicate with you about our, our affiliates’, and others’ products and services, jointly or independently. When Information Is Disclosed We may disclose your Personal Information and Browsing Information in the following circumstances: to enable us to detect or prevent criminal activity, fraud, material misrepresentation, or nondisclosure; to 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; FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 2 Order No. 45002680-450-SM-MW1 to nonaffiliated third party service providers 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 may share your Personal Information with affiliates (other companies owned by FNF) to directly market to you. Please see “Choices with Your Information” to learn how to restrict that sharing. 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 If you do not want FNF to share your information among our affiliates to directly market to you, you may send an “opt out” request by email, phone, or physical mail as directed at the end of this Privacy Notice. We do not share your Personal Information with nonaffiliates for their use to direct market to you without your consent. 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/californiaprivacy.aspx) or call (888) 413-1748. For Nevada Residents: You may be placed on our internal Do Not Call List by calling (888) 934-3354 or by contacting us via the information set forth at the end of this Privacy Notice. Nevada law requires that we also provide you with the following contact information: 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: BCPINFO@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 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. 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. 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. FNF Privacy Statement (Eff. April 9, 2020)Copyright © 2020. Fidelity National Financial, Inc. All Rights Reserved MISC0219 (DSI Rev. 04/10/20)Page 3 Order No. 45002680-450-SM-MW1 Your Consent To This Privacy Notice; Notice Changes; Use of Comments or Feedback 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. We may use comments or feedback that you submit to us in any manner without notice or compensation to you. Accessing and Correcting Information; Contact Us If you have questions, would like to correct your Personal Information, or want to opt-out of information sharing for affiliate marketing, send your requests to privacy@fnf.com, by phone to (888) 934-3354, or by mail to: Fidelity National Financial, Inc. 601 Riverside Avenue Jacksonville, Florida 32204 Attn: Chief Privacy Officer Attachment One – CA (Rev. 05-06-16)Page 1 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. ATTACHMENT ONE (Revised 05-06-16) CALIFORNIA LAND TITLE ASSOCIATION STANDARD COVERAGE POLICY – 1990 EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys' fees or expenses which arise by reason of: 1. (a) Any law, ordinance or governmental regulation (including but not limited to building or zoning laws, ordinances, or regulations) restricting, regulating, proh biting or relating (i) the occupancy, use, or enjoyment of the land; (ii) the character, dimensions or location of any improvement now or hereafter erected on the land; (iii) a separation in ownership or a change in the dimensions or area of the land or any parcel of which the land is or was a part; or (iv) environmental protection, or the effect of any violation of these laws, ordinances or governmental regulations, except to the extent that a notice of the enforcement thereof or a notice of a defect, lien, or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. (b) Any governmental police power not excluded by (a) above, except to the extent that a notice of the exercise thereof or notice of a defect, lien or encumbrance resulting from a violation or alleged violation affecting the land has been recorded in the public records at Date of Policy. 2. Rights of eminent domain unless notice of the exercise thereof has been recorded in the public records at Date of Policy, but not excluding from coverage any taking which has occurred prior to Date of Policy which would be binding on the rights of a purchaser for value without knowledge. 3. Defects, liens, encumbrances, adverse claims or other matters: (a) whether or not recorded in the public records at Date of Policy, but created, suffered, assumed or agreed to by the insured claimant; (b) not known to the Company, not recorded in the public records at Date of Policy, but known to the insured claimant and not disclosed in writing to the Company by the insured claimant prior to the date the insured claimant became an insured under this policy; (c) resulting in no loss or damage to the insured claimant; (d) attaching or created subsequent to Date of Policy; or (e) resulting in loss or damage which would not have been sustained if the insured claimant had paid value for the insured mortgage or for the estate or interest insured by this policy. 4. Unenforceability of the lien of the insured mortgage because of the inability or failure of the insured at Date of Policy, or the inability or failure of any subsequent owner of the indebtedness, to comply with the applicable doing business laws of the state in which the land is situated. 5. Invalidity or unenforceability of the lien of the insured mortgage, or claim thereof, which arises out of the transaction evidenced by the insured mortgage and is based upon usury or any consumer credit protection or truth in lending law. 6. Any claim, which arises out of the transaction vesting in the insured the estate of interest insured by this policy or the transaction creating the interest of the insured lender, by reason of the operation of federal bankruptcy, state insolvency or similar creditors' rights laws. EXCEPTIONS FROM COVERAGE - SCHEDULE B, PART I This policy does not insure against loss or damage (and the Company will not pay costs, attorneys' fees or expenses) which arise by reason of: 1. Taxes or assessments which are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the public records. Proceedings by a public agency which may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the public records. 2. Any facts, rights, interests, or claims which are not shown by the public records but which could be ascertained by an inspection of the land or which may be asserted by persons in possession thereof. 3. Easements, liens or encumbrances, or claims thereof, not shown by the public records. 4. Discrepancies, conflicts in boundary lines, shortage in area, encroachments, or any other facts which a correct survey would disclose, and which are not shown by the public records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b) or (c) are shown by the public records. 6. Any lien or right to a lien for services, labor or material not shown by the public records. CLTA HOMEOWNER'S POLICY OF TITLE INSURANCE (12-02-13) ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 1. Governmental police power, and the existence or violation of those portions of any law or government regulation concerning: a. building; b. zoning; c. land use; d. improvements on the Land; e. land division; and f. environmental protection. This Exclusion does not limit the coverage described in Covered Risk 8.a., 14, 15, 16, 18, 19, 20, 23 or 27. 2. The failure of Your existing structures, or any part of them, to be constructed in accordance with applicable building codes. This Exclusion does not limit the coverage described in Covered Risk 14 or 15. 3. The right to take the Land by condemning it. This Exclusion does not limit the coverage descr bed in Covered Risk 17. 4. Risks: a. that are created, allowed, or agreed to by You, whether or not they are recorded in the Public Records; b. that are Known to You at the Policy Date, but not to Us, unless they are recorded in the Public Records at the Policy Date; Attachment One – CA (Rev. 05-06-16)Page 2 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. c. that result in no loss to You; or d. that first occur after the Policy Date - this does not limit the coverage descr bed in Covered Risk 7, 8.e., 25, 26, 27 or 28. 5. Failure to pay value for Your Title. 6. Lack of a right: a. to any land outside the area specifically described and referred to in paragraph 3 of Schedule A; and b. in streets, alleys, or waterways that touch the Land. This Exclusion does not limit the coverage described in Covered Risk 11 or 21. 7. The transfer of the Title to You is invalid as a preferential transfer or as a fraudulent transfer or conveyance under federal bankruptcy, state insolvency, or similar creditors’ rights laws. 8. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 9. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. LIMITATIONS ON COVERED RISKS Your insurance for the following Covered Risks is limited on the Owner’s Coverage Statement as follows: For Covered Risk 16, 18, 19, and 21 Your Deduct ble Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. The deductible amounts and maximum dollar limits shown on Schedule A are as follows: Your Deductible Amount Our Maximum Dollar Limit of Liability Covered Risk 16:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) Covered Risk 18:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 19:1.00% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 21:1.00% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) 2006 ALTA LOAN POLICY (06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv) environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d)attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 13 or 14); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury or any consumer credit protection or truth-in-lending law. 6. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 13(b) of this policy. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the Insured Mortgage in the Public Records. This Exclusion does not modify or limit the coverage provided under Covered Risk 11(b). The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: EXCEPTIONS FROM COVERAGE {Except as provided in Schedule B - Part II,{ t{or T}his policy does not insure against loss or damage, and the Company will not pay costs, attorneys’ fees or expenses, that arise by reason of: Attachment One – CA (Rev. 05-06-16)Page 3 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. {PART I {The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown by the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the Public Records.} PART II In addition to the matters set forth in Part I of this Schedule, the Title is subject to the following matters, and the Company insures against loss or damage sustained in the event that they are not subordinate to the lien of the Insured Mortgage:} 2006 ALTA OWNER’S POLICY (06-17-06) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy, and the Company will not pay loss or damage, costs, attorneys' fees, or expenses that arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 6. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 9 and 10); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Title. 4. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction vesting the Title as shown in Schedule A, is (a) a fraudulent conveyance or fraudulent transfer; or (b) a preferential transfer for any reason not stated in Covered Risk 9 of this policy. 5. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching between Date of Policy and the date of recording of the deed or other instrument of transfer in the Public Records that vests Title as shown in Schedule A. The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 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: {The above policy form may be issued to afford either Standard Coverage or Extended Coverage. In addition to the above Exclusions from Coverage, the Exceptions from Coverage in a Standard Coverage policy will also include the following Exceptions from Coverage: 1. (a) Taxes or assessments that are not shown as existing liens by the records of any taxing authority that levies taxes or assessments on real property or by the Public Records; (b) proceedings by a public agency that may result in taxes or assessments, or notices of such proceedings, whether or not shown by the records of such agency or by the Public Records. 2. Any facts, rights, interests, or claims that are not shown in the Public Records but that could be ascertained by an inspection of the Land or that may be asserted by persons in possession of the Land. 3. Easements, liens or encumbrances, or claims thereof, not shown by the Public Records. 4. Any encroachment, encumbrance, violation, variation, or adverse circumstance affecting the Title that would be disclosed by an accurate and complete land survey of the Land and that are not shown by the Public Records. 5. (a) Unpatented mining claims; (b) reservations or exceptions in patents or in Acts authorizing the issuance thereof; (c) water rights, claims or title to water, whether or not the matters excepted under (a), (b), or (c) are shown by the Public Records. 6. Any lien or right to a lien for services, labor or material not shown by the Public Records. } 7. {Variable exceptions such as taxes, easements, CC&R’s, etc. shown here.} Attachment One – CA (Rev. 05-06-16)Page 4 © California Land Title Association. All rights reserved. The use of this Form is restricted to CLTA subscribers in good standing as of the date of use. All other uses are proh bited. Reprinted under license or express permission from the California Land Title Association. ALTA EXPANDED COVERAGE RESIDENTIAL LOAN POLICY – ASSESSMENTS PRIORITY (04-02-15) EXCLUSIONS FROM COVERAGE The following matters are expressly excluded from the coverage of this policy and the Company will not pay loss or damage, costs, attorneys’ fees or expenses which arise by reason of: 1. (a) Any law, ordinance, permit, or governmental regulation (including those relating to building and zoning) restricting, regulating, prohibiting, or relating to (i) the occupancy, use, or enjoyment of the Land; (ii) the character, dimensions, or location of any improvement erected on the Land; (iii) the subdivision of land; or (iv)environmental protection; or the effect of any violation of these laws, ordinances, or governmental regulations. This Exclusion 1(a) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. (b) Any governmental police power. This Exclusion 1(b) does not modify or limit the coverage provided under Covered Risk 5, 6, 13(c), 13(d), 14 or 16. 2. Rights of eminent domain. This Exclusion does not modify or limit the coverage provided under Covered Risk 7 or 8. 3. Defects, liens, encumbrances, adverse claims, or other matters (a) created, suffered, assumed, or agreed to by the Insured Claimant; (b) not Known to the Company, not recorded in the Public Records at Date of Policy, but Known to the Insured Claimant and not disclosed in writing to the Company by the Insured Claimant prior to the date the Insured Claimant became an Insured under this policy; (c) resulting in no loss or damage to the Insured Claimant; (d) attaching or created subsequent to Date of Policy (however, this does not modify or limit the coverage provided under Covered Risk 11, 16, 17, 18, 19, 20, 21, 22, 23, 24, 27 or 28); or (e) resulting in loss or damage that would not have been sustained if the Insured Claimant had paid value for the Insured Mortgage. 4. Unenforceability of the lien of the Insured Mortgage because of the inability or failure of an Insured to comply with applicable doing-business laws of the state where the Land is situated. 5. Invalidity or unenforceability in whole or in part of the lien of the Insured Mortgage that arises out of the transaction evidenced by the Insured Mortgage and is based upon usury, or any consumer credit protection or truth-in-lending law. This Exclusion does not modify or limit the coverage provided in Covered Risk 26. 6. Any claim of invalidity, unenforceability or lack of priority of the lien of the Insured Mortgage as to Advances or modifications made after the Insured has Knowledge that the vestee shown in Schedule A is no longer the owner of the estate or interest covered by this policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11. 7. Any lien on the Title for real estate taxes or assessments imposed by governmental authority and created or attaching subsequent to Date of Policy. This Exclusion does not modify or limit the coverage provided in Covered Risk 11(b) or 25. 8. The failure of the residential structure, or any portion of it, to have been constructed before, on or after Date of Policy in accordance with applicable building codes. This Exclusion does not modify or limit the coverage provided in Covered Risk 5 or 6. 9. Any claim, by reason of the operation of federal bankruptcy, state insolvency, or similar creditors’ rights laws, that the transaction creating the lien of the Insured Mortgage, is (a) a fraudulent conveyance or fraudulent transfer, or (b) a preferential transfer for any reason not stated in Covered Risk 27(b) of this policy. 10. Contamination, explosion, fire, flooding, vibration, fracturing, earthquake, or subsidence. 11. Negligence by a person or an Entity exercising a right to extract or develop minerals, water, or any other substances. SCHEDULE C SCHEDULE D SCHEDULE E SCHEDULE H SCHEDULE I UCTC CANNABIS COMMUNITY BENEFITS AND INVESTMENTS PLAN To be completed. UCTC CANNABIS LOCATION PLAN To be completed. 1 | P a g e UCT CANNABIS FIRE SAFETY PLAN 2 | P a g e Table of Contents Summary ........................................................................................................................................ 3 General Plan .................................................................................................................................. 3 Responsibilities of Employees .................................................................................................... 3 Evacuation Procedures ................................................................................................................. 3 Emergency Exits............................................................................................................................ 4 3 | P a g e Summary UCT Cannabis is committed to complying with all state and local fire code requirements. Fire prevention is a vital aspect of safety for our employees, neighborhood and our community. In addition to the fire safety protocols outlined in the security POST Orders, UCT Cannabis’s Fire Safety Plan will implement both physical and functional initiatives for the protection of all. All physical construction will comply with the development standards in the California Fire Code and Chapter 10 of the Fresno Municipal Code. The design of the building, including trash receptacles, screen of mechanical equipment, landscaping, and parking or loading zones. General Plan An effective fire safety and emergency evacuation plan requires the coordination of many occupants in a building. All building occupants, including staff, contractors, and other personnel need to be aware of their roles and responsibilities in case of an emergency. This section outlines specific responsibilities for staff and personnel engaged to be on the premises. Visitors should also be instructed on proper response to alarms and the requirement to evacuate. Responsibilities of Employees 1. Be familiar with building emergency procedures and act in the event of an emergency 2. Participate in drills and training as required. 3. Inform and assist visitors unfamiliar with building procedures as appropriate prior to and during an emergency. 4. Supervisors orient new employees of this plan upon hire. 5. Be familiar with guidelines herein to evacuate, take refuge, or stay in place if you are a person with mobility disabilities. 6. Wear a face covering when inside a building and continue to wear it outside in designated evacuation area. It is assumed employees away from their workstation during communicable disease restrictions will be wearing their face covering. Evacuation Procedures These procedures focus on evacuation of occupants as a result of a fire or other building emergency. 1. Assume all alarms are real unless an announcement has been made just prior to the alarm. 2. Upon fire alarm, wear face covering if possible. 3. Begin immediate evacuation of the building or area as outlined in Section 4 Emergency Procedures. 4. Take your keys and valuables and close doors behind you as you exit. 5. Evacuate via the nearest stairwell or grade level exit. Do not prop doors open; doors must remain closed to prevent smoke migration in the event of a fire. 6. Go to the pre-determined Evacuation Assembly Point (EAP), typically outdoors at a safe distance from the building and out of the way of emergency services. 4 | P a g e 7. Persons with disabilities who are unable to evacuate will follow their personal plan to take refuge or report to an area of evacuation assistance (see section 5). Emergency Exits Emergency exits are marked on the floorplan, in addition to the provision and accessibility of fire extinguishers. Evacuation floor plans help to identify exits and exit routes for the building. Occupants should go to the nearest exit when the alarm sounds or in case of an emergency. If access to the nearest exit is obstructed, an alternate exit should be taken. 1 | P a g e UCT CANNABIS PHYSICAL SECURITY PLAN 1 | P a g e UCT CANNABIS SOCIAL POLICY AND LOCAL ENTERPRISE PLAN 2 | P a g e Table of Contents Summary ........................................................................................................................................ 3 Employment and Personnel ......................................................................................................... 3 Living Wage................................................................................................................................ 3 Employment Benefits.................................................................................................................. 3 Labor Peace Agreement .......................................................................................................... 3 Commercial Cannabis Recruitment (9-3316(b)(1)) .................................................................... 4 Locally Managed and Operated .................................................................................................. 4 Outreach Programs ...................................................................................................................... 4 Educational Benefits ..................................................................................................................... 5 Social Equity Business Incubator ................................................................................................ 5 3 | P a g e Summary As an outside enterprise pursuing licensure in the City of Fresno, UCT Cannabis is dedicated towards not only participating but engaging in an active role to contribute towards the socio- economic welfare of this community. UCT Cannabis recognizes the significance of the City’s economy and its crucial role in the physical development of the City, together with the policies and programs important to its residents. Success is more than the business but also the relationship a business has with its customer. That relationship is founded on having a clear, consistent and collaborative plan to incorporate the customer in the success of the business. UCT Cannabis approach to business is to create such a plan, nurture it, and support its growth. Our holistic approach begins by empowering our personnel that will help build the community that we wish to join and contribute. Employment and Personnel Living Wage It is of paramount importance for UCT Cannabis to support this adopted community and its residents with beneficial employment opportunities. We recognize that an investment into the community is an enriching investment for ourselves as well. All employees of UCT Cannabis will be compensated above the living wage model for Fresno County, including part-time and full-time employees1, fully compliant with IWC Wage Order 4-2001 with regard to daily and weekly overtime rates. As described in greater detail in our business plan, employees will be compensated at an hourly rate not less than per hour, which is commensurate to an annual salary of . Employment Benefits All employees of UCT Cannabis will be provided employer paid health insurance plans, including vision and dental after 90-day probationary period. UCT Cannabis will also offer a childcare plan contribution plan, where UCT Cannabis will credit an employee’s dependents for qualified childcare expenses. UCT Cannabis will comply with all state requirements for paid sick leave and adhere to state and federal medical leave provisions. Labor Peace Agreement UCT Cannabis anticipates hiring at least six employees during the first year of operation. Pursuant to AB 1291, UCT Cannabis intends to comply with the provision of a contemplated labor peace agreement in cooperation a bona-fide labor organization. 1 Living Wage Calculator for Fresno County, California, livingwage.mit.edu/counties/06019. 4 | P a g e Commercial Cannabis Recruitment (9-3316(b)(1)) In an effort to ensure not only meeting but exceeding the requirements set forth in Fresno Municipal Code section 9-3316(b)(1), UCT Cannabis intends to partner with the Fresno Economic Opportunities Commission (the “FEOC”) to recruit from their Workforce Connection Young Adult Program. The FEOC operates this program to work with low-income youths between the ages of 14 through 24 to promote education, including tutoring, instruction, practical training, and mentoring. We believe this program to be an excellent opportunity to not only empower local individuals but also low-income individuals that represent the future of this community. We believe a partnership and investment in the youth of the community represents not only a benefit to the community but also an opportunity for the development of unique skillsets in this growing industry. In addition to empowerment of our youth, UCT Cannabis also intends to connect with the Fresno Regional Workforce Development Board and the Fresno County Veteran Service Office to identify key partners, programs or methods of interacting with others in the community. Locally Managed and Operated UCT Cannabis is committed to the initial hiring of at a minimum its junior grower and bud trimmers to be residents of the City of Fresno, together with its general manager if feasible. Additionally, UCT Cannabis intends to specifically require that the private security firm it will contract to provide security personnel that are residents of Fresno. Although UCT Cannabis anticipates the hiring of a master grower and the engagement of a qualified cannabis consultant outside of Fresno, UCT Cannabis is dedicated to the enrichment and contributions to Fresno and maintaining a locally-constructed and operated business. Outreach Programs UCT Cannabis is committed to allocating fifteen percent (15%) of its EBITDA profits towards its outreach programs and for charitable donations that benefit the City of Fresno. Following in the footsteps of Element 7 and the Fresno Public Defender’s Office, UCT Cannabis hopes to also partner with local law offices and host an event for free legal assistance to Fresno residents with drug-related criminal records for expungement of convictions. In consideration of COVID-19 restrictions, quarantines and possible shelter-in-place orders, UCT Cannabis is currently exploring options and logistics of conducting a series of clinics on an interval basis using remote technology (i.e., Zoom). We are also exploring opportunities and ethical considerations to partner with local law firms in Fresno for prepaid legal services relating to expungements. In addition to expungement clinics, UCT Cannabis intends to connect with organizations such as The Light House, Fresno Rescue Mission, and BAART Narcotic Treatment Center for 5 | P a g e opportunities to partner for joint events or sponsored programs that support low income families battling against addiction and rehabilitation. Educational Benefits UCT Cannabis will provide free training and continuing education opportunities for its employees. Additionally, apart from or in addition to adhering to the compliance requirements under Fresno Municipal Code section 9-3316(c), UCT Cannabis will make available and sponsor any employee to enroll in outreach training programs offered by Cal-OSHA, at the CAL-OSHA Training Institute Education Center in Dublin, California. Social Equity Business Incubator UCT Cannabis offers a unique opportunity to service its community as an equity incubator. Our intended facility, which we are in the process of closing escrow to secure, offers 16,875 square feet, of which no more than 12,000 square feet will be used as functional space and 8,800 used for grow space. With the coordination of the Office of Cannabis, our facility will be ideal for the provision of onsite space to an equity applicant in a manner compliant with Fresno Municipal Code section 9-3308(c). UCT Cannabis will be committed to being an asset to the local community. We aim to enhance the local community by being a safe, professional business that is considerate and dedicated to the advancement of the community. We hope to encourage and contribute to the community’s overall health, together with the promotion of awareness of the benefits of cannabis and derivatives through education and outreach. .