First American Title Insurance Company
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1 COMMITMENT INFORMATION SHEET The Title Insurance Commitment is a legal contract between you and the Company. It is issued to show the basis on which we will issue a Title Insurance Policy to you. The Policy will insure you against certain risks to the land title, subject to the limitations shown in the Policy. The Company will give you a sample of the Policy form, if you ask. The Policy contains an arbitration clause. All arbitrable matters when the Amount of Insurance is $2,000,000 or less shall be arbitrated at the option of either the Company or you as the exclusive remedy of the parties. You may review a copy of the arbitration rules at The Commitment is based on the land title as of the Commitment Date. Any changes in the land title or the transaction may affect the Commitment and the Policy. The Commitment is subject to its Requirements, Exceptions and Conditions. THIS INFORMATION IS NOT PART OF THE TITLE INSURANCE COMMITMENT. YOU SHOULD READ THE COMMITMENT VERY CAREFULLY. If you have any questions about the commitment, contact: FIRST AMERICAN TITLE INSURANCE COMPANY 1 First American Way Santa Ana, California or The office which issued this Commitment TABLE OF CONTENTS AGREEMENT TO ISSUE POLICY... 1 SCHEDULE A 1. Commitment Date Policies to be Issued, Amounts and Proposed Insureds Interest in the Land and Owner Description of the Land... 3 SCHEDULE B-I - REQUIREMENTS... 4 SCHEDULE B-II - EXCEPTIONS... 5 CONDITIONS... 2 Page
2 1. Commitment Date: September 24, 2014 at 5:00 pm 2. Policy (or Policies) to be issued: SCHEDULE A (a) ALTA Owner s Policy ( ) Policy Amount $ TBD Proposed Insured: TBD (b) ALTA Loan Policy ( ) Policy Amount $ 0.00 Proposed Insured: N/A 3. A Fee simple interest in the land described in this Commitment is owned, at the Commitment Date, by Charles Phoenix Fowler, Sr. 4. The land referred to in this Commitment is described as follows: Situate, lying and being in Madison County, North Carolina, and Being all of Lot Number Tract 1, containing acres, as shown on a plat recorded in Plat Book 6, Page 866, Madison County Registry. Countersigned: First Choice Title of North Carolina Issue Date: 10/10/ Sanford Drive Morganton, NC By: Authorized Signatory THIS COMMITMENT IS FURNISHED BY FIRST AMERICAN TITLE INSURANCE COMPANY OR ITS POLICY ISSUING AGENT SOLELY FOR THE ISSUANCE OF A POLICY OR POLICIES OF TITLE INSURANCE OF FIRST AMERICAN TITLE INSURANCE COMPANY. THIS COMMITMENT IS NOT AN ABSTRACT OR AN OPINION OF TITLE. LIABILITY UNDER THIS COMMITMENT IS DEFINED BY AND LIMITED TO THE TERMS AND CONDITIONS OF THIS COMMITMENT AND THE TITLE INSURANCE POLICY TO BE ISSUED. PERSONS OR ENTITIES NOT LISTED ABOVE AS PROPOSED INSURED ARE NOT ENTITLED TO RELY UPON THIS COMMITMENT FOR ANY PURPOSE. ALTA Commitment ( ) Schedule A
3 The following requirements must be met: SCHEDULE B SECTION I REQUIREMENTS 1. Payment of the agreed amounts for the interest in the land and/or the mortgage to be insured. 2. Payment to the Company of the premiums and/or any additional charges for issuance of final policy. 3. For insurance regarding priority of conveyance by seller to proposed insured owner over potential liens for labor, services or materials, including surveyors, architects, engineers and rental equipment (herein "liens") of seller, or priority of proposed insured lender's deed of trust (once recorded) over said liens of seller and/or construction borrower, receipt of applicable NCLTA form (or substantially similar form approved by Company counsel prior to closing), completed and executed by all required parties in compliance with the applicable form's instructions regarding same, to wit: NCLTA Form 1, if no recent construction or addition of improvements on land, no executor contracts for improvements on land and no construction loan by signing owner or borrower is contemplated; NCLTA Form 2, if construction on the land was recently completed; or NCLTA Form 3, if construction is in process or immediately contemplated (for loan, including construction financing). In addition, if the proposed purchaser will be obtaining combined purchase and construction financing from proposed insured lender as a part of the transaction to be insured, proposed purchaser (construction loan borrower) must also provide duly completed and executed NCLTA Form 3 in order to obtain insurance of priority of the construction loan over such liens against the proposed purchaser (construction borrower). 4. If there is new construction on the land described in Schedule A and a policy will be issued without exception for mechanics liens, the closing attorney must certify prior to recording the deed or deed-of-trust creating the interest to be insured and prior to disbursement of funds, that: a. the project either qualifies or does not qualify for the appointment of a lien agent; b. if the project qualifies for the appointment of a lien agent, the lien agent was duly appointed and the closing attorney has received a written statement from the approved lien agent, accepting the appointment; c. they have received a project report from the lien agent stating which contractors or subcontractors have filed notices regarding work performed or materials delivered to the land; and d. if the project qualified for the appointment of a lien agent, that they have obtained the appropriate lien waivers or lien subordinations from each contractor or subcontractor named in the lien agent s project report, or if the project did not qualify for appointment of a lien agent that the appropriate lien waivers or subordinations were obtained. 5. Documents, satisfactory to us, creating the interest in the land and/or the mortgage to be insured, must be signed, delivered and recorded: a. Deed from Charles Phoenix Fowler, Sr., conveying the premises described in Schedule A herein, to TBD. NOTE: Please provide to the Company the face page of the insured instrument. 6. Pay all taxes, charges, assessments, levied and assessed against subject premises, which are due and payable. ALTA Commitment ( ) Schedule B-I
4 SCHEDULE B SECTION II EXCEPTIONS Any policy we issue will have the following exceptions unless they are taken care of to our satisfaction. 1. Taxes and assessments for the year 2014 due and payable, but not yet delinquent. 2. 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. 3. Easements, rights of way, setbacks and other matters as shown on plat recorded in Plat Book 6, Page 866, aforesaid County Registry. Said plat reveals the following: a) Rights of others in and to the use of the French Broad River; b) logging road traversing the property; c) branch along the Southeastern property line; d) rights of way 35 feet in width and 60 feet in width. 4. Right(s) of way thirty-five (35) feet in width recorded in Book 484, Page 460; Book 547, Page 430 and Book 555, Page 365, aforesaid County Registry. 5. Right(s) of way sixty (60) feet in width recorded in Book 114, Page 443, aforesaid County Registry. 6. Sewer Line Easement recorded in Book 146, Page 210, aforesaid County Registry. 7. Water Line Easement recorded in Book 90, Page 550 and Book 136, Page 413, aforesaid County Registry. 8. Pro-Rata Road Maintenance Agreement recorded in Book 484, Page 460, aforesaid County Registry. 9. Easement to Progress Energy Carolinas, Inc. recorded in Book 548, Page 655, aforesaid County Registry. 10. Easement to Carolina Power and Light Company recorded in Book 74, Page 575; Book 106, Page 495 and Book 117, Page 89, aforesaid County Registry. 11. Easement to the Department of Transportation recorded in Book 106, Page 335, aforesaid County Registry. 12. Rights of others in and to the continued and uninterrupted flow of French Broad River and a branch, affecting the insured land. 13. Less and Excepting that certain tract of land containing 2.01 acres described as Tract 1 in Plat Book 7, Page 520 recorded in Book 547, Page 430, aforesaid County Registry. 14. Less and Excepting that certain tract of land containing 2.00 acres and 0.51 acres described as Tract 2 and Tract 2A in Plat Book 7, Page 600 recorded in Book 555, Page 365, aforesaid County Registry. ALTA Commitment ( ) Schedule B-II
5 PRIVACY POLICY We Are Committed to Safeguarding Customer Information In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information - particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide to us. Therefore, together with our parent company, The First American Corporation, we have adopted this Privacy Policy to govern the use and handling of your personal information. Applicability This Privacy Policy governs our use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity. First American has also adopted broader guidelines that govern our use of personal information regardless of its source. First American calls these guidelines its Fair Information Values, a copy of which can be found on our website at Types of Information Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include: Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means; Information about your transactions with us, our affiliated companies, or others; and Information we receive from a consumer reporting agency. Use of Information We request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies or to other financial institutions with whom we or our affiliated companies have joint marketing agreements. Former Customers Even if you are no longer our customer, our Privacy Policy will continue to apply to you. Confidentiality and Security We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and First American's Fair Information Values. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information The First American Corporation All Rights Reserved
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