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2010-10756 SGLine: y 150061 May 24, 2011 Glen Sparks 1669 Burgundy Rd. Encinitas, CA 92024 Re: Permit issuance requirements for: Application 10756 -SG Case #: 10.107 CDP 445 Fourth St. 258 - 071 -11 This letter summarizes the requirements for pulling your Engineering Permit for drawing 10756 -SG. Your approved plan will remain valid for six months. If the permit is not issued within six months from the date of approval of the drawings, the plans will be subject to review by City staff for compliance with current codes and regulations before a permit can be issued, and changes to the approved plans as well as additional fees may be required. Additionally, work covered by an Engineering permit shall commence within 90 days of the permit issuance or the permit shall become invalid. Engineering permits expire following 90 days of inactivity on the work covered by the permit. Please read through this letter carefully and contact the City with any questions you may have. It contains information about many requirements that may apply to your project and can make the process clearer and easier for you. In order to obtain the permits to construct the work shown on your approved plans, you will need to satisfy the requirements below. All of the items listed below must be submitted to the Engineering front counter in one complete package at the time the applicant comes in to pull the permit. Partial submittals of any kind will not be accepted. Your project planchecker will not accept any of the documents listed on behalf of the Engineering front counter staff; all items must be submitted to the front counter directly together and at one time. The correct number of each of the requested documents must be provided; copies of documents submitted to the City during plancheck do not reduce the necessary quantities listed below. (1) Provide 4 print sets of the approved drawing 10756 -SG Provide 2 copies of "Limited Geotechnical Investigation" prepared by East County Soil Consultation and dated April 6, 2011. Submit 2 copies of the approved, signed (not draft) Resolution of Approval or Notice of Decision for Planning Case # 10 -107 CDP, to be routed by the City to inspector and file (can be obtained from the planning department). (2) Pay non - refundable fees as listed below: Fee Type Amount �RNV Construction Permit 10756 -CN $300.00 Perm. Encroachment Permit 10756 -PE $450.00 (3) Provide the name, address, telephone number, state license number, and license type of the construction contractor. The construction of any improvements within the public right -of -way or public easements is restricted to qualified contractors possessing the required state license as listed in the table below. The contractor must also have on file with the City current evidence of one million dollar liability insurance listing the City of Encinitas as co- insured. Additional requirements are described in the handout "Requirements for Proof of Insurance" available at the Engineering front counter. Type Description Work to be Done A General Engineering any & all C -8 Concrete apron/curb/gutter/ramp/sidewalk C -10 Electrical li htin isi nals C -12 Grading & Paving any surface, certain drain - basins /channels C -27 Landscaping planting /irrigation /fencing & other amenities C -29 Masonry retaining walls C -32 Parking &Highway Improvement signage /striping /safety C -34 Pipeline sanitary sewer /storm drain (4) Obtain Right -of -Way Construction Permit 10756 -CN and Permanent Encroachment Permit 10756 -PE from the Engineering Services Department front counter. Preconstruction Meeting: A preconstruction meeting at the project site is mandatory for all projects. The preconstruction meeting may not be scheduled until the Engineering permit(s) have been issued, and the applicant/contractor must give the assigned Engineering inspector a minimum of 48 hours advance notice prior to the scheduled meeting time. Right -of -Way Construction Permit: A separate right -of -way construction permit will be required for any work in the public right -of -way or public easements. Typically, this work may include construction or reconstruction of a portion of the driveway within the public right -of -way, excavation, backfill, and resurfacing to install electric, gas, telephone, and cable television lines, or water and sewer connections. A permit fee of $300.0 0 per application and a site plan, preferably the work order issued by the public utility, will be required. Contractor license and insurance requirements apply. Permits must be issued at least 48 hours in advance of the start of work. Haul Routes, Traffic Control Plans, and Transportation Permits: These separate permits may be required for your project and are handled by the Traffic Engineering Division. A fee of $250.00 is required for traffic control plans. For more details, contact Raymond Guarnes, Engineering Technician, at (760) 633 -2704. Construction Changes: Construction changes prepared by the Engineer of Work will be required for all changes to the approved plans. Requests for construction change approval should be submitted to the Engineering Services Department front counter as redlined mark -ups on 2 blueline prints of the approved Drawing. Changes are subject to approval prior to field implementation. Substantial increases in valuation due to the proposed changes may be cause for assessment and collection of additional inspection fees and security deposits. Construction change fees of $200.00 and $350.00 will be assessed for minor and major construction changes, respectively. Construction changes necessitating a new plan sheet will be assessed the per -sheet plancheck and NPDES plancheck fees in lieu of the construction change fee. Construction changes not previously approved and submitted as as -built drawings at the end of the construction process will be rejected and the securities release will be delayed. Change of Ownership: If a change of ownership occurs following approval of the drawing(s), the new owner will be required to submit to the City a construction change revising the title sheet of the plan to reflect the new ownership. The construction change shall be submitted to the Engineering front counter as redline mark -ups on two blueline prints of the approved drawing together with two copies of the grant deed or title report reflecting the new ownership. Construction change fees apply. The current owner will be required to post new securities to replace those held by the City under the name of the former owner, and the securities posted by the former owner will be released when the replacement securities have been received and approved by the City. Change of Engineer of Work: If a change in engineer of work occurs following the approval of the drawing(s), a construction change shall be submitted for review and approval by the Engineering Department. Two copies of the forms for the assumption of responsibility by the new engineer and the release of responsibility by the former engineer shall be completed and submitted to the City. Construction change fees apply. As- builts: Project as -built drawings prepared by the Engineer of Work will be required prior to Final Grading acceptance by Engineering Services. Changes to the approved plans require a construction change to be submitted to the City prior to field implementation. Construction changes may not be submitted as as- builts at the end of the construction process. This letter does not change owner or successor -in- interest obligations. If there should be a substantial delay in the start of your project or a change of ownership, please contact the City to request an update. Should you have questions regarding the posting of securities, please contact Debra Geishart, who processes all Engineering securities, at (760) 633 -2779. Should you have any other questions, please contact me at (760) 633 -2867 or visit the Engineering Counter at the Civic Center to speak with an Engineering Technician. Sincerely, Steven Nowak Assistant Civil Engineer cc Dan Jensvold, Architect Debbie Geishart, Engineering Technician Greg Shields, Senior Civil Engineer Masih Maher, Senior Civil Engineer permit/file Enc Application Requirements for Proof of Insurance av L. y LY y y A J ENGINEERING SERVICES DEPARTMENT 505 S. VULCAN AVE. ENCINITAS, CA 92024 CONTRACTOR : OWNER /BUILDER LICENSE NO.: ENGINEER : DANIEL JENSVOLD PERMIT ISSUE DATE: 6/15/11 PERMIT /12 INSPECT RON BRADY ----- ----- - - - - -- PERMIT PHONE NO.: 760 - 633 -4293 LICENSE TYPE: PHONE NO.: 858- 481 -2212 PERMIT ISSUED BY: FEES & DEPOSITS ---------------------- - - - - -- 1. GRADING PLAN PERMIT NO.: 10756 SG PARCEL NO. 258- 071 -1100 PLAN NO.: INSPECTION FEE JOB SITE ADDRESS: 445 FOURTH ST CASE NO.: 10107 / CDP APPLICANT NAME GLEN SPARKS .00 6. MAILING ADDRESS: 1669 BURGUNDY RD PHONE NO.: 760 - 633 -4293 CITY: ENCINITAS STATE: CA ZIP: 92024- .00 CONTRACTOR : OWNER /BUILDER LICENSE NO.: ENGINEER : DANIEL JENSVOLD PERMIT ISSUE DATE: 6/15/11 PERMIT /12 INSPECT RON BRADY ----- ----- - - - - -- PERMIT PHONE NO.: 760 - 633 -4293 LICENSE TYPE: PHONE NO.: 858- 481 -2212 PERMIT ISSUED BY: FEES & DEPOSITS ---------------------- - - - - -- 1. PERMIT FEE 1,800.00 2. GIS MAP FEE .00 3. INSPECTION FEE .00 4. INSPECTION DEPOSIT: .00 5. NPDES INSPT FEE .00 6. SECURITY DEPOSIT .00 7. FLOOD CONTROL FE .00 8. TRAFFIC FEE .00 9. IN -LIEU UNDERGRN .00 10.IN -LIEU IMPROVMNT .00 ll.PLAN CHECK FEE .00 12.PLAN CHECK DEPOSIT: .00 ----- --------- ----- - -- - -- DESCRIPTION OF WORK ---- ----------- ---------- - - - - -- PERMIT FOR SIMPLIFIED GRADING PER PLAN 10756 -SG. CONTRACTOR MUST MAINTAIN TRAFFIC CONTROL AT ALL TIMES PER W.A.T.C.H. STANDARDS OR APPROVED PLAN. - - -- INSPECTION ---------- - - - - -- DATE -- - - - - -- INSPECTOR'S SIGNATURE - - -- INITIAL INSPECTION COMPACTION REPORT RECEIVED ENGINEER CERT. RECEIVED ROUGH GRADING INSPECTION FINAL INSPECTION I HEREBY ACKNOWLEDGE THAT I HAVE READ THE APPLICATION AND STATE THAT THE INFORMATION IS CORRECT AND AGREE TO COMPLY WITH ALL CITY ORDINANCES AND STATE LAWS REGULATING EXCAVATING AND GRADING, AND THE PROVISIONS AND CONDITIONS OF ANY PERMIT ISSUED PURSUANT TO THIS APPLICATION. SIGNATURRR (le N S ri S PRINT NAME CIRCLE ONE: 1. OWNER 2. AGENT 3. OTHER Oww i S �w 1 DATE SIGNED L� o� (o33 - 421:? TELEPHONE NUMBER EAST COUNTY SOIL CONSULTATION AND ENGINEERING, INC. 10925 HARTLEY ROAD, SUITE "I" SANTEE, CALIFORNIA 92071 (619) 258 -7901 Fax 258 -7902 Mr. Glen Sparks 1669 Burgundy Road Encinitas, California 92024 Subject: Report of Field Density Tests Proposed Single - Family Residence 445 4th Street Encinitas, California 92024 July 27, 2011 Project No. 11- 1147137 Reference: "Limited Geotechnical Investigation, Proposed Single - Family Residence, 445 4h Street, Encinitas, California 92024 ", Project No. 11- 1147B7, Prepared by East County Soil Consultation and Engineering, Inc., Dated April 6, 2011. Dear Mr. Sparks: This is to present the results of field density tests performed on the building pads for the proposed single - family residence and detached garage at the subject site. In accordance with your request, in -place field density tests were performed in accordance with ASTM D1556 (Sand Cone Method). Grading was conducted between June 28 and July 22, 2011 under the observation and testing of a representitive of East County Soil Consultation & Engineering Inc. The results of the field density tests are presented on Page T -1 under "Table of Test Results ". The laboratory determinations of the maximum dry densities and optimum moisture contents of the fill soils are set forth on Page L -1 under "Laboratory Test Results ". The approximate test locations are shown on Plate No. 1. Following clearing and grubbing, i.e. the removal of vegetation and rubbles from the demolition of the existing house, subgrade soils were overexcavated to depths up to approximately 3 feet below existing grade into the dense terrace deposits. Prior to the placement of new fill, the bottom of the excavation was scarified to a depth of approximately 6 inches, moisture conditioned and compacted. On -site and imported fill soils consisting of silty sand were placed in thin lifts, moisture conditioned around optimum and compacted to a minimum of 90 percent relative compaction. Compaction was achieved with the use of a Caterpillar 312B trackhoe and a sheepsfoot roller. r GLEN SPARKS/ 4TH STREET/ ENCINITAS PROJECT NO 11- 113787 Based on our field observations and density test results, it is our opinion that the grading operation for the proposed residential project was performed in accordance with the referenced geotechnical report and local grading ordinances. If we can be of further assistance, please do not hesitate to contact our office. Pages T -1, L -1 and Plate No. 1 are attached. Respectfully Submitted, Mamadou Saliou Diallo, P.E. RCE 54071, GE 2704 MSD /md 2 GLEN SPARKS/ 4m STREET/ ENCINITAS PROJECT NO. 11-1147B7 PAGE T -1 TABLE OF TEST RESULTS ASTM D1556 3 . ,. MAXIMUM DEPTH FIELD DRY DRY TEST SOIL OF FILL MOISTURE DENSITY DENSITY PERCENT NO. TYPE IN FEET %DRY WT. P.C.F. P.C.F COMPACTION 1 1 1.5 10.2 121.4 128.5 94 2 1 1.5 11.1 124.6 128.5 97 3 1 3 11.2 123.1 128.5 96 4 l 3 11.5 119.1 128.5 93 5 1 2 83 115.4 128.5 90 6 1 1.5 8.7 121.7 128.5 95 7 1 2 8.7 115.5 128.5 90 8 1 2 8.9 119.9 128.5 93 9 1 2 8.5 126.0 128.5 98 10 1 4 FG 9.8 117.2 128.5 91 11 1 4 FG 8.2 122.4 128.5 95 12 1 3 FG 10.1 125.0 128.5 97 13 I 3 FG 8.6 124.5 128.5 97 14 2 2 9.0 124.6 127.0 98 15 2 3 FG 8.5 120.6 127.0 95 -- - - - - FG = FINISH GRADE - - 3 . ,. GLEN SPARKS/ 4TH STREET/ ENCINITAS PROJECT NO 11- 1147B7 PAGE L -1 LABORATORY TEST RESULTS RESULTS OF MAXIMUM DENSITY AND OPTIMUM MOISTURE The maximum dry densities and optimum moisture contents of the fill materials as determined by ASTM D1557, Procedures A and B which use 25 blows of a 10 -pound slide hammer falling from a height of 18 inches on each of 5 equal layers in a 4 -inch diameter 1/30 cubic foot compaction cylinder and Procedure C which uses 56 blows of a 10 -pound slide hammer falling from a height of 18 inches on each of 5 equal layers in a 6 -inch diameter 1/13.3 cubic foot compaction cylinder are presented as follows: OPTIMUM MAXIMUM MOISTURE SOIL TYPE/ DRY DENSITY CONTENT PROCEDURE DESCRIPTION LB/ CU. FT. % DRY WT. l/A DARK BROWN SILTY SAND 128.5 8.5 2/A TAN BROWN SILTY SAND 127.0 9.5 (IMPORT) I I EAS 7 COON i i SOIL CONSULTA—i lON & ENGINEERING. INC. 10925 HAR"L'Y R-".. SliIT L SAN 7L CA 92fi I (60) 258.7901 Fax (619) :59.7902 i Ii 7�v ,A - .� Iot�� CI Iron Mountain Land Surveys 4220 St.James Pl. San Diego, CA 92103 Ph. (619)295 -1665 fx.(619) 955 -8171 CITY OF ENCINITAS BUILDING DEPARTMENT RE: 445 FOURTH ST. COUNTY TAX ASSESSOR PARCEL N 258 -071 -11 ENCINITAS,CA A FIELD SURVEY WAS PERFORMED ON THE ABOVE SITE FOR PAD ELEVATION VERIFICATION. THE BUILDING PAD IS AT ELEVATION 72.05 PER PLAN. SINCERELY, DAVE EISENBERG v DAVID EISE'*B O Jvly z3,z -a/ Iron Mountain Land Surveys 4220 St.James Pl. San Diego, CA 92103 Ph. (619)295-1665 (x.(619)955 -8171 CITY OF ENCINITAS BUILDING DEPARTMENT RE: 445 FOURTH ST. COUNTY TAX ASSESSOR PARCEL # 258 -071 -11 ENCINITAS,CA A FIELD SURVEY WAS PERFORMED ON THE ABOVE SITE FOR LAYOUT OF ZONING SETBACKS PER PLAN. THE FOLLOWING ZONING SETBACK LINES WERE STAKED AT REQUEST OF THE OWNER. I. BOTH SIDE YARD ZONING SETBACKS OF 5 FEET WERE STAKED. 2. THE FRONT ZONING SETBACK OF 15 FEET WAS STAKED. 3. THE REAR ZONING SETBACK OF 5 FEET WAS STAKED. SINCERELY, DAVE EISENBERG -P 2 IT1 II I I II II I I z ��I w i I cy)+ I rn SURVEY LAYOUT OF ZONING SET BACK LINES 15' SET BLACK + ON WINDOW SILL + ON CONC• - 5 OFFSET 5ETOFFFSET x� N83'18147 "E 100.26> SPIKE &LATHE � I I I ,SET CON�L T0= ALL — U, �3 - / N83'18' 43 'E N PER I SURVEY DISC + I R.O.S.1927B II I 00.291 0 29 i SET BLACK + ON EDGE CONC.DRIVE I I I , I z 0 rn I w D � rn r m Ul o w 10'` , I , I I EAST COUNTY SOIL CONSULTATION AND ENGINEERING, INC. 10925 HARTLEY ROAD, SUITE "I" SANTEE, CALIFORNIA 92071 (619) 258 -7901 Fax 258 -7902 Mr. Glen Sparks 16691 Burgundy Road P Encinitas, California 92024 Subject: Limited Geotechnical Investigation Vr Proposed Single - Family Residence 445 4th Street Encinitas, California 92024 k- 1 1 , Dear Mr. Sparks: April 6, 2011 o. 11- 1147B7 DI In accordance with your request, we have performed a limited geotechnical investigation at the subject site to discuss the geotechnical aspects of the project and provide recommendations for the proposed development. Our investigation has found that the subject site is underlain by topsoil to a depth of approximately 2 feet below existing grade. Dense sandstone of the Terrace Deposits Formation was underlying the topsoil to the explored depth of 10 feet. It is our opinion that the proposed development is geotechnically feasible provided the recommendations herein are implemented in the design and construction. Should you have any questions with regard to the contents of this report, please do not hesitate to contact our office. J D ` G JUN 1 5 2011 No. E 2704 EXp: z A ^ tg,,- -,; _ER:NG SERVICES =l_ ,,,�VGP��P _ CITY GF ENCI'�IIA$ Mamadou Saliou Diallo, P.E. RCE 54071, GE 2704 MSD\md GLENSPARKS, 4*STREET, ENCINITASPROJECTNO. 11- 1147B7 TABLE OF CONTENTS INTRODUCTION................................................................................................................ ..............................3 SCOPE OF SERVICES ........................................................................................................ ..............................3 SITE DESCRIPTION AND PROPOSED CONSTRUCTION .......................................... ..............................3 FIELD INVESTIGATION AND LABORATORY TESTING .......................................... ..............................4 GEOLOGY ............................. ............................... Geologic Setting ........ ............................... Site Stratigraphy ........ ............................... SEISMICITY ............................................. ............................... Regional Seismicity ...................... ............................... Seismic Anal ysis .......................... ............................... 2010 CBC Seismic Design Criteria ............................ Geologic Hazard Assessment ....... ............................... GEOTECHNICAL EVALUATION Compressible Soils .............. Expansive Soils .................... Groundwater ........................ ..................................... ............................... 5 ...................................... ..............................6 ...................................... ..............................6 ..................................... ............................... 7 ...................................... ..............................7 ...................................... ..............................7 CONCLUSIONS AND RECOMMENDATIONS .............................................................. ..............................7 GRADING AND EARTHWORK ........................................................................................ ..............................7 Clearingand Grubbing ............................................................................................ ..............................8 Structural Improvement of Soils .............................................................................. ..............................8 Transitions Between Cut and Fill ........................................................................... ..............................8 Methodand Criteria of Compaction ........................................................................ ..............................8 ErosionControl ........................................................................................................ ..............................9 Standard Grading Guidelines ................................................................................... ..............................9 FOUNDATIONS AND SLABS .......................................................................................... ..............................9 SETTLEMENT.................................................................................................................... .............................10 PRESATURATION OF SLAB SUBGRADE .................................................................... .............................10 TEMPORARYSLOPES ..................................................................................................... .............................10 TRENCHBACKFILL ......................................................................................................... .............................10 DRAINAGE......................................................................................................................... .............................11 - - - FOUNDATION-PLAN- REVIEW-......— .... .....--::..-.—....-.— .................. ............................... 11 - LIMITATIONS OF INVESTIGATION ........................................................................... ..............................1 I ADDITIONAL SERVICES ............................................................................................... .............................12 PLATES Plate I- Location of Exploratory Boreholes Plate 2 - Summary Sheet (Exploration Borehole Logs) Plate 3 - USCS Soil Classification Chart PAGE L -1, LABORATORY TEST RESULTS ................................................................. .............................14 REFERENCES.................................................................................................................... .............................15 2 GLENSPARKS, 4d STREET, ENCINITAS PROJECTNO. 11- 1147B7 INTRODUCTION This is to present the findings and conclusions of a limited geotechnical investigation for a proposed two -story, single - family residence with a detached garage to be located at 445 4`h Street, in the City of Encinitas, California. The objectives of the investigation were to evaluate the existing soils conditions and provide recommendations for the proposed development. SCOPE OF SERVICES The following services were provided during this investigation: • Site reconnaissance and review of published geologic, seismological and geotechnical reports and maps pertinent to the project area • Subsurface exploration consisting of four (4) boreholes within the limits of the proposed area of development. The boreholes were logged by our Staff Geologist. • Collection of representative soil samples at selected depths. The obtained samples were sealed in moisture - resistant containers and transported to the laboratory for subsequent analysis. • Laboratory testing of samples representative of the types of soils encountered during the field investigation • Geologic and engineering analysis of the field and laboratory data, which provided the basis for our conclusions and recommendations • Production of this report, which summarizes the results of the above analysis and presents our findings and recommendations for the proposed development SITE DESCRIPTION AND PROPOSED CONSTRUCTION The subject site is a rectangular- shaped residential lot located on the east side of 4`s Street, in the City of Encinitas, California. The property, which encompasses an area of approximately 5,000 square feet, includes a one -story house with a detached garage. The site slopes genTy to ffe nort� Vegetation consisted of a few trees, grass and shrub. Site boundaries include 4`h Street to the west, an alley to the east and residential parcels to the remaining directions. The Grading and Drainage Plan prepared by Jensvold Associates of Del Mar, California indicates that the proposed construction will include a single - family residence with a detached garage. It is our understanding that the structures will be two -story, wood - framed and founded on continuous footings with slab -on -grade floors. GLEN SPARKS, 4"STREET, ENCINITAS PROJECT NO. 11- 1147B7 FIELD INVESTIGATION AND LABORATORY TESTING On March 23, 2011, four (4) boreholes were excavated to a maximum depth of approximately 10 feet below existing grade with a hand auger. The approximate locations of the boreholes are shown on the attached Plate No. 1, entitled "Location of Exploratory Boreholes". A continuous log of the soils encountered was recorded at the time of excavation and is shown on Plate No. 2 entitled "Summary Sheet ". The soils were visually and texturally classified according to the filed identification procedures set forth on Plate No. 3 entitled "USCS Soil Classification ". Following the field exploration, laboratory testing was performed to evaluate the pertinent engineering properties of the foundation materials. The laboratory- testing program included moisture and density, maximum dry density and optimum moisture content, particle size analysis and expansion index tests. These tests were performed in general accordance with ASTM standards and other accepted methods. Page L -1 and Plate No. 2 provide a summary of the laboratory test results. GEOLOGY Geolo¢ic Settins The subject site is located within the southern portion of what is known as the Peninsular Ranges Geomorphic Province of California_ The geologic map pertaining to the area indicates that the site is underlain by Pleistocene marine terrace deposits (Qt). Site Stratig auhv The subsurface descriptions provided are interpreted from conditions exposed during the field investigation and/or inferred from the geologic literature. Detailed descriptions of the subsurface materials encountered during the field investigation are presented on the exploration logs provided on Plate No, 2. The following paragraphs provide general descriptions of the encountered soil types. Tovsoil Topsoil is the surficial soil material that mantles the ground, usually containing roots and other organic materials, which supports vegetation. Topsoil was observed in all boreholes with a thickness of approximately 2 feet. It consisted of dark brown, silty sand that was most loose and porous il consistency with some organics (roots and rootlets). Marine Terrace Deposits (Ot) Terrace deposits were observed below the topsoil layer. They generally consisted of tan brown, silty sand that was moist and medium dense to dense in consistency. 4 GLENSPARKS, 4' "STREET, ENCINITASPROJECTNO, 11- 114787 SEISMICITY Regional Seismicity Generally, Seismicity within California can be attributed to the regional tectonic movement taking place along the San Andreas Fault Zone, which includes the San Andreas Fault and most parallel and subparallel faults within the state. The portion of southern California where the subject site is located is considered seismically active. Seismic hazards are attributed to groundshaking from earthquake events along nearby or more distant Quaternary faults. The primary factors in evaluating the effect an earthquake has on a site are the magnitude of the event, the distance from the epicenter to the site and the near surface soil profile. According to the Fault- Rupture Hazard Zones Act of 1994 (revised Alquist- Priolo Special Studies Zones Act), quaternary faults have been classified as "active" faults, which show apparent surface rupture during the last 11,000 years (i.e., Holocene time). "Potentially- active" faults are those faults with evidence of displacing Quaternary sediments between 11,000 to 16,000 years old. Seismic Analysis Based on our evaluation, the closest known "active" fault is the Rose Canyon Fault located approximately 2.5 miles (4 kilometers) to the west. The Rose Canyon Fault is the design fault of the project due to the predicted credible fault magnitude and ground acceleration. The Seismicity of the site was evaluated utilizing deterministic methods (Egseach/ Eqfault ver 3.0, Blake, 2008) for active Quaternary faults within the regional vicinity. The site may be subjected to a Maximum Probable Earthquake of 6.9 Magnitude along the Rose Canyon fault, with a corresponding Peak Ground Acceleration of 0.548. The maximum Probable Earthquake is defined as the maximum earthquake that is considered likely to occur within a 100 -year time period. The effective ground acceleration at the site is associated with the part of significant ground motion, which contains repetitive strong - energy shaking, and which may produce structural deformation. As such, the effective or "free field" ground acceleration is referred to as the Repeatable High Ground Acceleration (RHGA). It has been determined by Ploessel and Slosson (1974) that the RHGA is approximately equal to 65 percent of the Peak Ground Acceleration for _ earthquakes occurring within 20 miles of a site_. Based_ on the above, the calculated Credible RHGA at the site is 0.358. 2010 CBC Seismic Design Criteria A review of the active fault maps pertaining to the site indicates the existence of the Rose Canyon Fault Zone approximately 4 km to the west. Ground shaking from this fault or one of the major active faults in the region is the most likely happening to affect the site. With respect to this hazard, the site is comparable to others in the general area. The proposed residential structures should be designed in accordance with seismic design requirements of the 2010 California Building Code or the Structural Engineers Association of California using the following seismic design parameters: 5 GLENSPARa eSTREET, ENCINITAS PROJECT NO. 11- 114787 PARAMETER VALUE 2007 CBC REFERENCE Site Class D Table 1613.5.2 Mapped Spectral Acceleration For Short Periods, S, 1.418 Figure 1613.5(3) Mapped Spectral Acceleration For a I- Second Period, S, 0.533 Figure 1613.5(4) Site Coefficient, F. 1.0 Table 1613.5.3(1 Site Coefficient, F. 1.5 Table 1613.5.3(2) Geologic Hazard Assessment Ground Rupture Ground rupture due to active faulting is not considered likely due to the absence of known fault traces within the vicinity of the project, however, this possibility cannot be completely ruled out. The unlikely hazard of ground rupture should not preclude consideration of "flexible" design for on -site utility lines and connections. Liquefaction Liquefaction involves the substantial loss of shear strength in saturated soils, usually sandy soils with a loose consistency when subjected to earthquake shaking. Based on the absence of shallow groundwater and consistency of the underlying terrace deposits, it is our opinion that the potential for liquefaction is very low. Landslidinll There is no indication that landslides or unstable slope conditions exist on or adjacent to the project site. There are no obvious geologic hazards related to landsliding to the proposed development or adjacent properties. Tsunamis and Seiches The site is not subject to inundation by tsunamis due to its elevation and distance from the ocean. The site is also not subject to seiches (waves in confined bodies of water). GEOTECHNICAL EVALUATION Based on our investigation and evaluation of the collected information, we conclude that the proposed construction is feasible from a geotechnical standpoint provided the recommendations provided herein will be properly implemented during structural development. Based on the low expansion potential of the granular near - surface soils, it is our opinion that the building pads may be constructed using the on -site materials. In order to provide a uniform support for the structures, overexcavation and recompaction of the structural portions of the building pads will be required. The foundations may consist of reinforced continuous footings with conventional 3 GLEN SPARKS, 4`" STREET, ENCINITAS PROJECT NO. 11- 1147B7 reinforced slabs. Recommendations and criteria for foundation design are provided in the Foundation and Slab recommendations section of this report. Compressible Soils Our field observations and testing indicate low compressibility within the sedimentary bedrock, which underlies the site. However, loose topsoil was typically encountered to a depth of approximately 2 feet below surface grades. These soils are compressible. Due to the potential for soil compression upon loading, remedial grading of these near- surface soils (including overexcavation and recompaction) will be required. Following implementation of the earthwork recommendations presented herein, the potential for soil compression resulting from the new development has been estimated to be low. The low - settlement assessment assumes a well - planned and maintained site drainage system. Recommendations regarding mitigation by earthwork construction are presented in the Grading and Earthwork recommendations section of this report. Expansive Soils An expansion index test was performed on a representative sample of the formational soils to determine volumetric change characteristics with change in moisture content. An expansion index of 0 was obtained which indicates a very low expansion potential for the foundation soils. Groundwater Static groundwater was not encountered to the depths of the boreholes. The subject site is located at an elevation of approximately 70 feet above Mean Sea Level. We do not expect groundwater to affect the proposed construction. Recommendations to prevent or mitigate the effects of poor surface drainage are presented in the Drainage section of this report. CONCLUSIONS AND RECOMMENDATIONS The following conclusions and recommendations are based upon the analysis of the data and information obtained from our soil investigation. This includes site reconnaissance; field __investigation; laboratory testing and our general knowledge of the soils native to the site. The site is suitable for the proposed residential development provided the recommendations set forth are implemented during construction. GRADING AND EARTHWORK Based upon the proposed construction and the information obtained during the field investigation, we anticipate that the proposed structures will be founded on continuous footings, which are supported by properly compacted fill. The following grading and earthwork recommendations are based upon the limited geotechnical investigation performed, and should be verified during construction by our field representative. 7 GLENSPARKS, 4" STREET, ENCINITASPROJECTNO. 11- 114787 Clearing and Grubbing All areas to be graded or to receive fill and/or structures should be cleared of vegetation. Vegetation and the debris from the clearing operation should be properly disposed of off -site. The area should be thoroughly inspected for any possible buried objects, which need to be rerouted or removed prior to the inception of, or during grading. All holes, trenches, or pockets left by the removal of these objects should be properly backfilled with compacted fill materials as recommended in the Method and Criteria of Compaction section of this report. Structural Improvement of Soils Information obtained from our field and laboratory analysis indicates that loose topsoil covers the site to a depth of approximately 2 feet below existing grade. These surficial soils are susceptible to settlement upon loading. Based upon the soil characteristics, we recommend the following: * All topsoil and other loose natural soils should be completely removed from areas, which are planned to receive compacted fills and/or structural improvements. The bottom of the removal area should expose competent materials as approved by ECSC &E geotechnical representative. Prior to the placement of new fill, the bottom of the removal area should be scarified a minimum depth of 6 inches, moisture - conditioned within 2 percent above the optimum moisture content, and then recompacted to at least 90 percent relative compaction (ASTM D1557 test method). * Overexcavation should be completed for the structural building pads to a minimum depth of 3 feet below finish pad grades. The limit of the required areas of overexcavation should be extended a minimum of 5 feet laterally beyond the perimeter footings (building footprints). * Soils utilized as fill should be moisture- conditioned and recompacted in conformance with the following Method and Criteria of Compaction section of this report. The depth and extent of any overexcavation and recompaction should be evaluated in the field by a representative of ECSC &E. Transitions Between Cut and Fill The proposed structures are anticipated to be founded entirely in properly compacted fill. Cut to fill transitions Tx�ow ff proposed structures - should be - completely eitimnaled- -&uring the earthwork construction as required in the previous section. Method and Criteria of Compaction Compacted fills should consist of approved soil material, free of trash debris, roots, vegetation or other deleterious materials. Fill soils should be compacted by suitable compaction equipment in uniform loose lifts of 6 to 8 inches. Unless otherwise specified, all soils subjected to recompaction should be moisture - conditioned within 2 percent over the optimum moisture content and compacted to at least 90 percent relative compaction per ASTM test method D 1557. 8 GLENSPARKS, 4"STREET, ENCINITAS PROJECT NO. 11- 1147B7 The on -site granular and non - expansive soils, after being processed to delete the aforementioned deleterious materials, may be used for recompaction purposes. Should any importation of fill be planned, the intended import source(s) should be evaluated and approved by ECSCE prior to delivery to the site. Care should be taken to ensure that these soils are not detrimentally expansive. Erosion Control Due to the granular characteristics of the on -site soils, areas of recent grading or exposed ground may be subject to erosion. During construction, surface water should be controlled via berms, gravel/ sandbags, silt fences, straw wattles, siltation basins, positive surface grades or other method to avoid damage to the finish work or adjoining properties. All site entrances and exits must have coarse gravel or steel shaker plates to minimize offsite sediment tracking. Best Management Practices (BMPs) must be used to protect storm drains and minimize pollution. The contractor should take measures to prevent erosion of graded areas until such time as permanent drainage and erosion control measures have been installed. After completion of grading, all excavated surfaces should exhibit positive drainage and eliminate areas where water might pond. Standard Grading Guidelines Grading and earthwork should be conducted in accordance with the standard -of- practice methods for this local, the guidelines of the current edition of the Uniform Building Code, and the requirements of the jurisdictional agency. Where the information provided in the geotechnical report differs from the Standard Grading Guidelines, the requirements outlined in the report shall govem. FOUNDATIONS AND SLABS a. Continuous and spread footings are suitable for use and should extend to a minimum depth of 18 inches below the lowest adjacent grade for the proposed two -story structures into the properly compacted fill soils. Continuous footings should be at least 15 inches in width and reinforced with four #4 steel bars; two bars placed near the top of the footings and the other two bars placed near the bottom of the footings. Isolated or spread footings should have a minimum width of 24 inches. Their reinforcement should consist of a minimum of #4 bars spaced 12 inches on center (each way) and placed horizontally near the bottom. _ b. Interior concrete floor slabs should be a minimum 5 inches thick. Reinforcement should consist of #4 bars placed at 18 inches on center each way within the middle third of the slabs by supporting the steel on chairs or concrete blocks "dobies ". The slabs should be underlain by 2 inches of clean sand over a 10 -mil visqueen moisture barrier. The effect of concrete shrinkage will result in cracks in virtually all- concrete slabs. To reduce the extent of shrinkage, the concrete should be placed at a maximum of 4 -inch slump. The minimum steel recommended is not intended to prevent shrinkage cracks. c. Where moisture sensitive floor coverings are anticipated over the slabs, the 10 -mil plastic moisture barrier should be underlain by a capillary break at least 2 inches thick, consisting of coarse sand, gravel or crushed rock not exceeding 3/4 inch in size with no more than 5 percent passing the #200 sieve. GLEN SPARKS, 4`" STREET, ENCINITAS PROJECT NO. 11- 114787 b. An allowable soil bearing value of 2,000 pounds per square foot may be used for the design of continuous and spread footings at least 12 inches wide and founded a minimum of 12 inches into properly compacted fill soils or the dense sandstone of the Terrace Deposits Formation as set forth in the 2010 California Building Code, Table 1804.2. This value may be increased by 400 psf for each additional foot of depth or width to a maximum value of 4,000 lb /ft2. e. Lateral resistance to horizontal movement may be provided by the soil passive pressure and the friction of concrete to soil. An allowable passive pressure of 250 pounds per square foot per foot of depth may be used. A coefficient of friction of 0.35 is recommended. The soils passive pressure as well as the bearing value may be increased by 1/3 for wind and seismic loading. SETTLEMENT Settlement of compacted fill soils is normal and should be anticipated. Because of the type and minor thickness of the fill soils anticipated under the proposed footings and the light building loads, total and differential settlements should be within acceptable limits. PRESATURATION OF SLAB SUBGRADE Because of the granular characteristics of the existing soils, presoaking of the subgrade prior to concrete pour is not required. However, subgrade soils in areas receiving concrete should be watered prior to concrete placement to mitigate any drying shrinkage, which may occur following site grading. TEMPORARY SLOPES For the excavation of foundations and utility trenches, temporary vertical cuts to a maximum height of 4 feet may be constructed in fill or natural soil. Any temporary cuts beyond the above height constraints should be shored or further laid back following a 1:1 (horizontal to vertical) slope ratio. OSHA guidelines for trench excavation safety should be implemented during construction. TRENCH BACKFILL Excavations for utility lines, which extend under structural areas should be properly backflled and compacted. Utilities should be bedded and backflled with clean sand or approved granular soil to a depth of at least one foot over the pipe. This backfill should be uniformly watered and compacted to a firm condition for pipe support. The remainder of the backfill should be on -site soils or non - expansive imported soils, which should be placed in thin lifts, moisture- conditioned and compacted to at least 90% relative compaction. IN GLENSPARKS, 4 "STREET. ENCINITAS PROJECT NO. 11- 114787 DRAINAGE Adequate measures should be undertaken to properly finish grade the site after the structures and other improvements are in place, such that the drainage water within the site and adjacent properties is directed away from the foundations, footings, floor slabs and the tops of slopes via rain gutters, downspouts, surface swales and subsurface drains towards the natural drainage for this area. A minimum gradient of 1 percent is recommended in hardscape areas. For earth areas, a minimum gradient of 5 percent away from the structures for a distance of at least 5 feet should be provided. Earth swales should have a minimum gradient of 2 percent. Drainage should be directed to approved drainage facilities. Proper surface and subsurface drainage will be required to minimize the potential of water seeking the level of the bearing soils under the foundations, footings and floor slabs, which may otherwise result in undermining and differential settlement of the structures and other improvements. FOUNDATION PLAN REVIEW Our firm should review the foundation plans during the design phase to assure conformance with the intent of this report. During construction, foundation excavations should be observed by our representative prior to the placement of forms, reinforcement or concrete for conformance with the plans and specifications. LIMITATIONS OF INVESTIGATION Our investigation was performed using the skill and degree of care ordinarily exercised, under similar circumstances, by reputable soils engineers and geologists practicing in this or similar localities. No other warranty, expressed or implied, is made as to the conclusions and professional advice included in this report. This report is prepared for the sole use of our client and may not be assigned to others without the written consent of the client and ECSC &E, Inc. The samples collected and used for testing, and the observations made, are believed representative of site conditions; however, soil and geologic conditions can vary significantly between exploration trenches, boreholes and surface exposures. As in most major projects, conditions revealed by construction excavations may vary with preliminary findings. If this occurs, the changed conditions must be evaluated by a representative of ECSC &E and designs adjusted as required or alternate _ designs recommended. This report is issued with the understanding that it is the responsibility of the owner, or of his representative to ensure that the information and recommendations contained herein are brought to the attention of the project architect and engineer. Appropriate recommendations should be incorporated into the structural plans. The necessary steps should be taken to see that the contractor and subcontractors cant' out such recommendations in the field. The findings of this report are valid as of this present date. However, changes in the conditions of a property can occur with the passage of time, whether they are due to natural processes or the works of man on this or adjacent properties. In addition, changes in applicable or appropriate standards may occur from legislation or the broadening of knowledge. Accordingly, the findings of this report may 11 GLENSPARKS, 4' "STREET, ENCINITASPROJECTNO. 11- 1147B7 be invalidated wholly or partially by changes outside of our control. Therefore, this report is subject to review and should be updated after a period of two years. ADDITIONAL SERVICES The review of plans and specifications, field observations and testing under our direction are integral parts of the recommendations made in this report. If East County Soil Consultation and Engineering, Inc. is not retained for these services, the client agrees to assume our responsibility for any potential claims that may arise during construction. Observation and testing are additional services, which are provided by our firm, and should be budgeted within the cost of development. Plates No. I through 3, Page L -1 and References are parts of this report 12 GLENSPARKS, 4"STREET, ENCINITAS PROJECT NO. 11- 1147B7 PLATE NO. 2 SUMMARY SHEET BOREHOLE NO. 1 DEPTH SOIL DESCRIPTION Surface TOPSOIL dark brown, moist, loose, porous, silty sand with rootlets 1.5' TERRACE DEPOSITS FORMATION (Qt) tan brown, moist, medium dense to dense, silty sand 3.0' becomes dense 6.0' bottom of borehole, no caving, no groundwater 10.0' borehole backfilled 3123/11 BOREHOLE NO.2 DEPTH SOIL DESCRIPTION Surface TOPSOIL dark brown, moist, loose, porous, silty sand with rootlets 2.0' TERRACE DEPOSITS FORMATION (Qt) tan brown, moist, medium dense to dense, silty sand 3.5' becomes dense 4.0' ,. .< ,< « « 10.0' bottom of borehole, no caving, no groundwater borehole backfilled 3/23/11 BOREHOLE NO.3 DEPTH SOIL DESCRIPTION Surface TOPSOIL dark brown, moist, loose, porous, silty sand with rootlets 1.5' TERRACE DEPOSITS FORMATION (Qt) tan brown, moist, medium dense to dense, silty sand 3.5' becomes dense 4.0' bottom of borehole, no caving, no groundwater borehole backfilled 3/23/11 BOREHOLE NO. 4 DEPTH SOIL DESCRIPTION Surface TOPSOIL dark brown, moist, loose, porous, silty sand with rootlets 1.0' « ,< « 1.5' TERRACE DEPOSITS FORMATION (Qt) tan brown, moist, medium dense to dense, silty sand 3.5' becomes dense 4.0' bottom of borehole, no caving, no groundwater borehole backfilled 323111 Y = DRY DENSITY IN PCF 13 Y M Y M 116.4 7.8 124.2 8.9 Y M Y — M 100.2 8.0 M = MOISTURE CONTENT IN % MAJOR DIVISIONS SYMBOL DESCRIPTION GRAIN SIZE IN GW SIEVE SIZE MILLIMETERS BOULDERS Above 12 Inches WELL GRADED GRAVELS OR GRAVEL -SAND COBBLES 1 12 Inches To 3 Inches 305 To 76.2 MIXTURES, LITTLE OR NO FINES GP 76.2 to 4.76 Coarse GRAVELS 76.2 to 19.1 (MORE THAN ,K '% Inch to No. 4 POORLY GRADED GRAVELS OR GRAVEL -SAND SAND OF COARSE 4.76 to 0.074 MIXTURES, LITTLE OR NO FINES GM SILTY GRAVELS, GRAVEL-SAND-SILT MIXTURES Medium FRACTION >NO.4 SIEVE 2.00 to 0.420 SIZE) No. 40 to No. 200 0.420 to 0.0 74 GC Below No. 200 COARSE GRAINED SOILS CLAYEY GRAVELS, GRAVEL-SAND-CLAY MIXTURES (MORE THAN K OF SOIL SW > NO. 200 SIEVE SIZE) WELL GRADED SANDS OR GRAVELLY SANDS, LITTLE OR NO FINES SP SANDS (MORE THANK POORLY GRADED SANDS OR GRAVELLY SANDS, OF COARSE LITTLE OR NO FINES SM SILTY SANDS, SILT -SAND MIXTURES FRACTION < NO. 4 SIEVE SIZE) SC CLAYEY SANDS, SAND-CLAY MIXTURES ML INORGANIC SILTS AND VERY FINE SANDS, ROCK FLOUR SILTY OR CLAYEY FINE SANDS OR CLAYEY SILTS & SILTS WITH SLIGHT PLASTICITY CLAYS CL INORGANIC CLAYS OF LOW TO MEDIUM LIQUID LIMIT PLASTICITY, GRAVELLY CLAYS, SANDY CLAYS, <50 SILTY CLAYS, LEAN CLAYS OL FINE GRAINED ORGANIC SILTS ORGANIC Y CLAYS OF SOILS LO P (MORE THAN f, OF SOIL �, <NO. 200 SIEVE SIZE) INORGANIC SITS, MICACEOUS OR DIATOMACEOUS SILTS & FINE SANDY OR SILTY SOILS. ELASTIC SILTS CH CLAYS LIQUID LIMIT INORGANIC CLAYS OF HIGH PLASTICITY, FAT > 50 CLAYS OH ORGANIC CLAYS OF MEDIUM TO HIGH PLASTICITY, ORGANIC SILTY CLAYS, ORGANIC SILTS HIGHLY ORGANIC SOILS Pt I PEAT AND OTHER HIGHLY ORGANIC SOILS CLASSIFICATION CHART (UNIFIED SOIL CLASSIFICATION SYSTEM) CLASSIFICATION RAINGE OF GRAVi SIZES U.S. STANDARD GRAIN SIZE IN SIEVE SIZE MILLIMETERS BOULDERS Above 12 Inches Above 305 COBBLES 1 12 Inches To 3 Inches 305 To 76.2 GRAVEL 3 Inches m No. 4 76.2 to 4.76 Coarse 3 Inches to' /, Inch 76.2 to 19.1 Fine '% Inch to No. 4 19.1 to 4.76 SAND No. 4 to No. 200 4.76 to 0.074 Coarse No. 4 to No. 10 4.76 to 2.00 Medium No. 10 to No. 40 2.00 to 0.420 Fine No. 40 to No. 200 0.420 to 0.0 74 SILT AND CLAY Below No. 200 Below 0.074 GRAIN SIZE CHART EAST COUNTY SOIL CONSULTATION AND ENGINEERING, INC. 10925 HARTLEY ROAD, SUITE "I" SANTEE, CALIFORNIA 92071 SOIL CLASSIFICATION PLASTICITY CHART GLEN SPARKS/ 4th STREET PROJECT PROJECT NO. 11- 1147B7 PLATE NO. 3 APRIL 6, 2011 GLEN SPARKS, 4'"STREET. ENCINITAS PROJECT NO. 11- 1147B7 PAGE L-I LABORATORY TEST RESULTS MAXIMUM DRY DENSITY AND OPTIMUM MOISTURE CONTENT (ASTM D1557) The maximum dry density and optimum moisture content of the fill materials as determined by ASTM D1557, Procedures A and B which use 25 blows of a 10 -pound slide hammer falling from a height of 18 inches on each of 5 equal layers in a 4 -inch diameter 1/30 cubic foot compaction cylinder and Procedure C which uses 56 blows of a 10 -pound slide hammer falling from a height of 18 inches on each of 5 equal layers in a 6 -inch diameter 1/13.3 cubic foot compaction cylinder are presented as follows: OPTIMUM MAXIMUM MOISTURE SOIL TYPE/ DRY DENSITY CONTENT PROCEDURE DESCRIPTION (PCF) ( %) LOCATION 1/A TAN BROWN SILTY SAND 129.0 8.2 BH -1 @ 2.0' EXPANSION INDEX TEST (ASTM D4829) INITIAL SATURATED INITIAL DRY MOISTURE MOISTURE DENSITY EXPANSION CONTENT( %) CONTENT( %) (PCF) INDEX LOCATION 8.5 15.1 112.6 PARTICLE SIZE ANALYSIS (ASTM D422) BH -1 @ 2.0' U.S. Standard Sieve Size Percent Passing BH -2 @ 1.0' Topsoil Percent Passing BH -1 @ 10' Terrace Deposits Percent Passing BH -2 @ 6.0' Terrace Deposits F, 1 /2" 3/8" #4 #8 - - - #16 100 100 100 #30 88 87 88 #50 40 34 31 #100 21 15 13 #200 16 11 9 USCS SM SP -SM SP -SM 14 GLEN SPARKS, 4" STREET, ENCINITAS PROJECT NO. 11- 1147B7 REFERENCES 1. "2010 California Building Code, California Code of Regulations, Title 24, Part 2, Volume 2 of 2 ", Published by International Code Council. 2. "Limited Geotechnical Investigation, Proposed Single - Family Residence and Accessory Unit, 820 Orpheus Avenue, City of Encinitas, California", Project No. 10-1147134, Prepared by East County Soil Consultation and Engineering, Inc., Dated November 10, 2010. 3. "Limited Geotechnical Investigation, Proposed Garage and Deck Extension, 1030 Stratford Drive, City of Encinitas, California ", Project No. 10- 1167C1, Prepared by East County Soil Consultation and Engineering, Inc., Dated September 28, 2010. 4. "Egfaultt Eqsearch, Version 3.0 ", by Blake, T.F., 2000, Updated 2008. 5. "Limited Geotechnical Investigation, Proposed Single- Family Residence, 1521 Neptune Avenue, APN 254 - 030 -29, City of Encinitas, California 92024 ", Project No. 08- 1147A3(2), Prepared by East County Soil Consultation and Engineering, Inc., Dated December 23, 2008. 6. "Limited Geotechnical Investigation, Proposed Single - Family Residence, 808 Clark Avenue, City of Encinitas, California ", Project No. 07- 1147C4, Prepared by East County Soil Consultation and Engineering, Inc., Dated December 11, 2007. 7. " Geotechnical and Foundation Engineering: Design and Construction ", by Robert W. Day, 1999. 8. "1997 Uniform Building Code, Volume 2, Structural Engineering Design Provisions ", Published by International Conference of Building Officials 9. "Maps of Known Active Fault Near- Source Zones in California and Adjacent Portions of Nevada to be used with the 1997 Uniform Building Code ", Published by International Conference of Building Officials. 10. "Geologic Maps of the Northwestern Part of San Diego County, California", Department of Conservation, Division of Mines and Geology, by Siang S. Tan and Michael P. Kennedy, 1996. 11. "Bearing Capacity of Soils, Technical Engineering and Design Guides as Adapted from the US Army Corps of Engineers, No. 7 ", Published by ASCE Press, 1994. 12. "Foundations and Earth Structures, Design Manual 7.2 ", by Department of Navy Naval Facilities Engineering Command, May 1982, Revalidated by Change 1 September 1986. 13. "Ground Motions and Soil Liquefaction during Earthquakes ", by H.B. Seed and I.M. Idriss, 1982. 15 '41' Lawyers Title Insurance Corporation POLICY NO.: 39325416 HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE -TO -FOUR FAMILY RESIDENCE Issued by 7PEC La wyers Title Insurance Corporation OWNER'S INFORMATION SHEET 3 0 2010 Your Title insurance Policy is a legal contract between You and Us. It applies only to a one - to-four family residence and only if each insured named in Schedule A is a Natural Person. 1ffte Land described in Schedule A of the Policy is not an improved residential lot on which there is located a one- to-four family residence, or if each insured named in Schedule A is not a Natural Person, contact Us immediately. The Policy insures You against actual loss resulting from certain Covered Risks. These Covered Risks are listed beginning on page 3 of the Policy. The Policy is limited by: Provisions of Schedule A • Exceptions in Schedule B • Our Duty To Defend Against Legal Actions On Page 6 • Exclusions on page 9 • Conditions on pages 10. H. 12. 13 and 14. You should keep the Policy even if You transfer Your Title to the Land. It may protect against claims made against You by someone else after You transfer Your Title. IF YOU WANT TO MAKE A CLAIM, SEE SECTION 3 UNDER CONDITIONS ON PAGE 10. The premium for this Policy is paid once. No additional premium is owed for the Policy. This sheet is not Your insurance Policy. It is only a brief outline of some of the important Policy features. The Policy explains in detail Your rights and obligations and Our rights and obligations. Since the Policy — and not this sheet — is the legal document, 82217 YOU SHOULD READ THE POLICY VERY CAREFULLY. If You have any questions about Your Policy, contact: Lawyers Title Insurance Corporation, P.O. Box 45023, Jacksonville, FL 32232 -5023 ALTA Homeowner's Policy of Title Insurance Copyright 20062009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license fran the American Land Title Association. - HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE -TO -FOUR FAMILY RESIDENCE Issued By Lawyers Title Insurance Corporation TABLE OF CONTENTS PAGE OWNER'S COVERAGE STATEMENT COVERED RISKS OUR DUTY TO DEFEND AGAINST LEGAL ACTIONS EXCLUSIONS y CONDITIONS 1. Definitions 10 2. Continuation of Coverage 10 3. How to Make a Claim 10 4. Our Choices When We Learn of a Claim 11 5. Handling a Claim or Legal Action 12 6. Limitation of Our Liability 12 7. Transfer of Your Rights to Us 13 8. This Policy is the Entire Contract 13 9. Increased Policy Amount 13 10. Severability 13 11. Arbitration 13 12. Choice of Law 14 SCHEDULE A Policy Number, Premium, Date and Time and Amount Deductible Amounts and Maximum Dollar Limits of Liability Street Address of the Land 1. Name of Insured 2. Interest in Land Covered 3. Description of the Land SCHEDULE B — EXCEPTIONS ALTA Homeowner's Policy of Title Insurance (1 /1 /08) Copyright 20062008 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA li ensees and ALTA members in good standing as of the date of use. All other uses are prohibited. Reprinted under license fmm the American Land TOO Association, C -, HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE -TO -FOUR FAMILY Issued By Lawyers Title Insurance Corporation As soon as You Know of anything that might be covered by this Policy, You must notify Us promptly in writing at the address shown in Section 3 of the Conditions. OWNER'S COVERAGE STATEMENT This Policy insures You against actual loss, including any costs, attorneys' fees and expenses provided under this Policy. The loss must result from one or more of the Covered Risks set forth below. This Policy covers only Land that is an improved residential lot on which there is located a one- to-four family residence and only when each insured named in Schedule A is a Natural Person. Your insurance is effective on the Policy Date. This Policy covers Your actual loss from any risk described under Covered Risks if the event creating the risk exists on the Policy Date or, to the extent expressly stated in Covered Risks, after the Policy Date. Your insurance is limited by all of the following: • The Policy Amount • For Covered Risk 16, 18, 19 and 21, Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A • The Exceptions in Schedule B • Our Duty To Defend Against Legal Actions • The Exclusions on page 9 The Conditions on pages 10. 11, 12. 13 and 14. COVERED RISKS The Covered Risks are: 1. Someone else owns an interest in Your Title. 2. Someone else has rights affecting Your Tide because of leases, contracts, or options. 3. Someone else claims to have rights affecting Your Title because of forgery or impersonation. 4. Someone else has an easement on the Land. 5. Someone else has a right to limit Your use of the land. 6. Your Title is defective. Some of these defects are: a. Someone else's failure to have authorized a transfer or conveyance of your Title. b. Someone else's faihue to create a valid document by electronic means. C. A document upon which Your Title is based is invalid because it was not properly signed, sealed, acknowledged, delivered or recorded. ALTA Homeowner's Policy of Title Insurance (1/1/08) Copyright 20062009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA members in good standing as of the date of use All other uses are prohibded. Reprinted under license from the American Lard Tde Association. c� F- d. A document upon which Your Title is based was signed using a falsified, expired, or otherwise invalid power of attorney. e. A document upon which Your Title is based was not properly filed, recorded, or indexed in the Public Records. f. A defective judicial or administrative proceeding. 7. Any of Covered Risks 1 through 6 occurring after the Policy Date. 8. Someone else has a lien on Your Title, including a: a. lien of real estate taxes or assessments imposed on Your Title by a governmental authority that are due or payable, but unpaid; b. Mortgage; C. judgment, state or federal tax lien; d. charge by a homeowner's or condominium association; or e. lien, occurring before or after the Policy Date, for labor and material furnished before the Policy Date. Someone else has an encumbrance on Your Title. 10. Someone else claims to have rights affecting Your Title because of fraud, duress, incompetency or incapacity. 11. You do not have actual vehicular and pedestrian access to and from the Land, based upon a legal right. 12. You are forced to correct or remove an existing violation of any covenant, condition or restriction affecting the Land, even if the covenant, condition or restriction is excepted in Schedule B. However, You are not covered for any violation that relates to: a. any obligation to perform maintenance or repair on the Land; or b. environmental protection of any kind, including hazardous or toxic conditions or substances unless there is a notice recorded in the Public Records, describing any part of the Land, claiming a violation exists. Our liability for this Covered Risk is limited to the extent of the violation stated in that notice. 13. Your Title is lost or taken because of a violation of any covenant, condition or restriction, which occurred before You acquired Your Title, even if the covenant, condition or restriction is excepted in Schedule B. 14. The violation or enforcement 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; or f. environmental protection, if there is a notice recorded in the Public Records, describing any part of the Land, claiming a violation exists or declaring the intention to enforce the law or regulation. Our liability for this Covered Risk is limited to the extent of the violation or enforcement stated in that notice. 15. An enforcement action based on the exercise of a governmental police power not covered by Covered Risk 14 if there is a notice recorded in the Public Records, describing any part of the Land, of the enforcement action or intention to bring an enforcement action. Our liability for this Covered Risk is limited to the extent of the enforcement action stated in that notice. 16. Because of an existing violation of a subdivision law or regulation affecting the Land: a. You are unable to obtain a building permit; ALTA Homeowner's Policy of Title Insurance (1/1/08) Copyright 200 6-2009 American Land Title Association. All rights reserved. The use of INS Form is restricted to ALTA licensees and ALTA ar_ members in good standing as of the date of use All other uses are prohibited. Reported under license from the American Land Title Association. -- It. You are required to correct or remove the violation; or C. someone else has a legal right to, and does, refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it. The amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 17. You lose Your Title to any part of the Land because of the right to take the Land by condemning it, if a. there is a notice of the exercise of the right recorded in the Public Records and the notice describes any part of the Land; or b. the taking happened before the Policy Date and is binding on You if You bought the Land without Knowing of the taking. 18. You are forced to remove or remedy Your existing structures, or any part of them - other than boundary walls or fences - because any portion was built without obtaining a building permit from the proper government office. The amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 19. You are forced to remove or remedy Your existing structures, or any part of them, because they violate an existing zoning law or zoning regulation. If You are required to remedy any portion of Your existing structures, the amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 20. You cannot use the Land because use as a single- family residence violates an existing zoning law or zoning regulation. 21. You are forced to remove Your existing structures because they encroach onto Your neighbor's land. If the encroaching structures are boundary walls or fences, the amount of Your insurance for this Covered Risk is subject to Your Deductible Amount and Our Maximum Dollar Limit of Liability shown in Schedule A. 22. Someone else has a legal right to, and does, refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it because Your neighbor's existing structures encroach onto the Land. 23. You are forced to remove Your existing structures which encroach onto an easement or over a building set -back line, even if the easement or building set -back tine is excepted in Schedule B. 24. Your existing structures are damaged because of the exercise of a right to maintain or use any easement affecting the Land, even if the easement is excepted in Schedule B. 25. Your existing improvements (or a replacement or modification made to them after the Policy Date), including lawns, shrubbery or trees, are damaged because of the future exercise of a right to use the surface of the Land for the extraction or development of minerals, water or any other substance, even if those rights are excepted or reserved from the description of the Land or excepted in Schedule B. 26. Someone else tries to enforce a discriminatory covenant, condition or restriction that they claim affects Your Title which is based upon race, color, religion, sex, handicap, familial status, or national origin. 27. A taxing authority assesses supplemental real estate taxes not previously assessed against the land for any period before the Policy Date because of construction or a change of ownership or use that occurred before the Policy Date. 28. Your neighbor builds any structures after the Policy Date - other than boundary walls or fences - which encroach onto the Land. 29. Your Title is unmarketable, which allows someone else to refuse to perform a contract to purchase the Land, lease it or make a Mortgage loan on it. 30. Someone else owns an interest in Your Title because a court order invalidates a prior transfer of the tide under federal bankruptcy, state insolvency, or similar creditors' rights laws. 31. The residence with the address shown in Schedule A is not located on the Land at the Policy Date. 32. The map, if any, attached to this Policy does not show the correct location of the Iand according to the Public Records. ALTA Homeowner's Policy of Title Insurance 121)(16-2009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA in good slandirg as of the date of use. All other uses are prottlbHed Reprimed under license from the American Land Title Association. OUR DUTY TO DEFEND AGAINST LEGAL ACTIONS We will defend Your Title in any legal action only as to that part of the action which is based on a Covered Risk and which is not excepted or excluded from coverage in this Policy. We will pay the costs, attorneys' fees, and expenses We incur in that defense. We will not pay for any part of the legal action which is not based on a Covered Risk or which is excepted or excluded from coverage in this Policy. We can end Our duty to defend Your Title under Section 4 of the Conditions. THIS POLICY IS NOT COMPLETE WITHOUT SCHEDULES A AND B. IN WITNESS WHEREOF, Lawyers Title Insurance Corporation has caused this policy to be signed and sealed by its duly authorized officers. Lawyers Title Insurance Corporation Attest: d �ePMr f WSEAL By: '`s ) � Secretary .''' �� President ALTA Homeowner's Policy of Title Insurance (1 /1 /08) Copyright 20062009 American Land Title Association. All rights reserved. The use of this Form Is restricted to ALTA licensees and ALTA MENEEMEN members in good standing as of the date of use. All other uses are prohibited. Repnnted under license from the American Land Title Association. A. EXCLUSIONS In addition to the Exceptions in Schedule B, You are not insured against loss, costs, attorneys' fees, and expenses resulting from: 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 described 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; C. that result in no loss to You; or d. that fast occur after the Policy Date - this does not limit the coverage described 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. ALTA Homeowner's Policy of Title Insurance (1/1/08) Copyright 20062009 American Land Title Association. All rights reserved. The use of itds Form is restricted to ALTA licensees and 00111iiiino members in good standing as of the date of use All odor uses are prottlbiled. Reprinted under ficense hom the American Land Title Ass ~ o� HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE -TO -FOUR FAMILY RESIDENCE Issued By Lawyers Title Insurance Corporation CONDITIONS DEFINITIONS a. Easement - the right of someone else to use the Land for a special purpose. b. Known - things about which You have actual knowledge. The words "Know' and "Knowing" have the same meaning a Known. C. Land - the land or condominium unit described in paragraph 3 of Schedule A and any improvements on the Land which are rel property- d. Mortgage - a mortgage, deed of trust, trust deed or other security instrument. e. Natural Person - a human being, not a commercial or legal organization or entity. Natural Person includes a trustee of a Tru: even if the trustee is not a human being. £ Policy Date - the date and time shown in Schedule A. If the insured named in Schedule A first acquires the interest shown i Schedule A by an instrument recorded in the Public Records later than the date and time shown in Schedule A, the Policy Dal is the date and time the instrument is recorded. g. Public Records - records that give constructive notice of matters affecting Your Title, according to the state statutes where th Land is located. It. Title - the ownership of Your interest in the Land, as shown in Schedule A. i. Trust - a living trust established by a human being for estate planning. j. We/OuT/Us - Lawyers Title Insurance Corporation. k. You/Your - the insured named in Schedule A and also those identified in Section 2.b. of these Conditions. CONTINUATION OF COVERAGE a. This Policy insures You forever, even after You no longer have Your Title. You cannot assign this Policy to anyone else. b. This Policy also insures: (1) anyone who inherits Your Title because of Your death; (2) Your spouse who receives Your Title because of dissolution of Your marriage; (3) the trustee or successor trustee of a Trust to whom You transfer Your Title after the Policy Date; or (4) the beneficiaries of Your Trust upon Your death. C. We may assert against the insureds identified in Section 2,b. any rights and defenses that We have against any previous insure under this Policy. HOW TO MAKE A CLAIM a. Prompt Notice Of Your Claim (1) As soon as You Know of anything that might be covered by this Policy, You must notify Us promptly in writing. (2) Send Your notice to Lawyers Title Insurance Corporation, Attention: Claims Department, P.O. Box 4502' Jacksonville, FL 32232 -5023. Please include the Policy munber shown in Schedule A, and the county and state when the Land is located. Please enclose a copy of Your policy, if available. (3) If You do not give Us prompt notice, Your coverage will be reduced or ended, but only to the extent Your failm affects Our ability to resolve the claim or defend You. b. Proof Of Your Loss (1) We may require You to give Us a written statement signed by You describing Your loss which includes: (a) the basis of Your claim; (b) the Covered Risks which resulted in Your loss; (c) the dollar amount of Your loss; and (d) the method You used to compute the amount of Your loss. (2) We may require You to make available to Us records, checks, letters, contracts, insurance policies and other paper which relate to Your claim. We may make copies of these papers. (3) We may require You to answer questions about Your claim under oath. (4) If you fail or refuse to give Us a statement of loss, answer Our questions under oath, or make available to Us the paper We request, Your coverage will be reduced or ended, but only to the extent Your failure or refusal affects Our ability t resolve the claim or defend You. OUR CHOICES WHEN WE LEARN OF A CLAIM a. After We receive Your notice, or otherwise learn, of a claim that is covered by this Policy, Our choices include one or more c the following: (1) Pay the claim; (2) Negotiate a settlement; (3) Bring or defend a legal action related to the claim; (4) Pay You the amount required by this Policy; (5) End the coverage of this Policy for the claim by paying You Your actual loss resulting from the Covered Risk an those costs, attorneys' fees and expenses incurred up to that time which We are obligated to pay; (6) End the coverage described in Covered Risk 16, 18, 19 or 21 by paying You the amount of Your insurance then i force for the particular Covered Risk and those costs, attorneys' fees and expenses incurred up to that time which W are obligated to pay; (7) End all coverage of this Policy by paying You the Policy Amount then in force, and those costs, attorneys' fees an expenses incurred up to that time which We are obligated to pay; (8) Take other appropriate action. b. When We choose the options in Sections 4.a. (5), (6) or (7), all Our obligations for the claim end, including Our obligation t defend, or continue to defend, any legal action. C. Even if We do not think that the Policy covers the claim, We may choose one or more of the options above. By doing so, We d not give up any rights. HANDLING A CLAIM OR LEGAL ACTION a. You must cooperate with Us in handling any claim or legal action and give Us all relevant information. b. If You fail or refuse to cooperate with Us, Your coverage will be reduced or ended, but only to the extent Your failure or refuse affects Our ability to resolve the claim or defend You. C. We are required to repay You only for those settlement costs, attorneys' fees and expenses that We approve in advance. d. We have the right to choose the attorney when We bring or defend a legal action on Your behalf. We can appeal any decision t the highest level. We do not have to pay Your claim until the legal action is finally decided. e. Whether or not We agree there is coverage, We can bring or defend a legal action, or take other appropriate action under thi Policy. By doing so, We do not give up any rights. LIMITATION OF OUR LIABILITY a After subtracting Your Deductible Amount if it applies, We will pay no more than the least of (1) Your actual loss; (2) Our Maximum Dollar Limit of Liability then in force for the particular Covered Risk for claims covered only undo Covered Risk 16, 18, 19 or 21; or (3) the Policy Amount then in force. and any costs, attorneys' fees and expenses that We are obligated to pay under this Policy. b. If We pursue Our rights under Sections 4.a.(3) and 5.e. of these Conditions and are unsuccessful in establishing the Title, t insured: (1) the Policy Amount then in force will be increased by 10% of the Policy Amount shown in Schedule A, and (2) You shall have the right to have the actual loss determined on either the date the claim was made by You or the date is settled and paid. ALTA Homeowner's Policy of Title Insurance 3"right 20062009 American Land Title Association. All rights reserved. The use of this Form is restricted to ALTA licensees and ALTA C. (1) If We remove the cause of the claim with reasonable diligence after receiving notice of it, all Our obligations for th claim end, including any obligation for loss You had while We were removing the cause of the claim. (2) Regardless of 6.c.(1) above, if You cannot use the Land because of a claim covered by this Policy: (a) You may rent a reasonably equivalent substitute residence and We will repay You for the actual rent You pad until the earlier of: (i) the cause of the claim is removed; or (ii) We pay You the amount required by this Policy. If Your claim is covered only under Covered Ris 16, 18, 19 or 21, that payment is the amount of Your insurance then in force for the particub Covered Risk. (b) We will pay reasonable costs You pay to relocate any personal property You have the right to remove frot the Land, including transportation of that personal property for up to twenty -five (25) miles from the Lam and repair of any damage to that personal property because of the relocation. The amount We will pay Yo under this paragraph is limited to the value of the personal property before You relocate it. d. All payments We make under this Policy reduce the Policy Amount then in force except for costs, attorneys' fees and expense: All payments We make for claims which are covered only under Covered Risk 16, 18, 19 or 21 also reduce Our Maximm Dollar Limit of Liability for the particular Covered Risk, except for costs, attorneys' fees and expenses. e. If We issue, or have issued, a Policy to the owner of a Mortgage that is on Your Title and We have not given You any coverag against the Mortgage, then: (1) We have the right to pay any amount due You under this Policy to the owner of the Mortgage, and any amount pai shall be treated as a payment to You under this Policy, including under Section 4.a. of these Conditions; (2) Any amount paid to the owner of the Mortgage shall be subtracted from the Policy Amount then in force; and (3) If Your claim is covered only under Covered Risk 16, 18, 19 or 21, any amount paid to the owner of the Mortgage sha also be subtracted from Our Maximum Dollar Limit of Liability for the particular Covered Risk. f. If You do anything to affect any right of recovery You may have against someone else, We can subtract from Our liability th amount by which You reduced the value of that right. TRANSFER OF YOUR RIGHTS TO US a. When We settle Your claim, We have all the rights and remedies You have against any person or property related to the clain You must not do anything to affect these rights and remedies. When We ask, You must execute documents to evidence th transfer to Us of these rights and remedies. You must let Us use Your name in enforcing these rights and remedies. b. We will not be liable to You if We do not pursue these rights and remedies or if We do not recover any amount that might b recoverable. C. We will pay any money We collect from enforcing these rights and remedies in the following order: (1) to Us for the costs, attorneys' fees and expenses We paid to enforce these rights and remedies; (2) to You for Your loss that You have not already collected; (3) to Us for any money We paid out under this Policy on account of Your claim; and (4) to You whatever is left. d. If You have rights and remedies under contracts (such as indemnities, guaranties, bonds or other policies of insurance) t recover all or part of Your loss, then We have all of those rights and remedies, even if those contracts provide that thos obligated have all of Your rights and remedies under this Policy. THIS POLICY IS THE ENTIRE CONTRACT his Policy, with any endorsements, is the entire contract between You and Us. To determine the meaning of any part of this Policy, You mu: ;ad the entire Policy and any endorsements. Any changes to this Policy must be agreed to in writing by Us. Any claim You make against U lust be made under this Policy and is subject to its terms. INCREASED POLICY AMOUNT 'he Policy Amount then in force will increase by ten percent (10%) of the Policy Amount shown in Schedule A each year for the first five year allowing the Policy Date shown in Schedule A, up to one hundred fifty percent (150 1/6) of the Policy Amount shown in Schedule A. The increa, sch year will happen on the anniversary of the Policy Date shown in Schedule A. 111009TWO0. 16 If any part of this Policy is held to be legally unenforceable, both You and We can still enforce the rest of this Policy. ALTA Homeowner's Policy of Title Insurance t 200 6-2009 American Land Title Association. All rights reserved. The use of ties Form is restdcled to ALTA licensees and ALTA .n nnM NeMim—'(N Ae,n M•yea EII nib. —a.n '-. —li --"-1, a-4—. oM TM "MCAN ARBITRATION a. If permitted in the state where the Land is located, You or We may demand arbitration. b. The law used in the arbitration is the law of the state where the Land is located. C. The arbitration shall be under the Title Insurance Arbitration Rules of the American Land Tide Association ( "Rules "). You ca get a copy of the Rules from Us. d. Except as provided in the Rules, You cannot join or consolidate Your claim or controversy with claims or controversies of odic persons. C. The arbitration shall be binding on both You and Us. The arbitration shall decide any matter in dispute between You and Us. f. The arbitration award may be entered as a judgment in the proper court. 2. CHOICE OF LAW The law of the state where the Land is located shall apply to this policy. ALTA Homeowner's Policy of Title Insurance (I /I /OE opyright 20062009 American Land Title Association. All rights reserved. The rue of this Form is restricted to ALTA licensees and ALTA .....b.� :........w .+.,..n..... �.. ..r.b n.we ..r .e en .....e. re� _� ..........nen oe......en ...ne, r...e....e w.,m .re e...e.:..�.. r _..w r..re e�......�r.... ururoe CLTA /ALTA HOMEOWNER'S POLICY OF TITLE INSURANCE FOR A ONE -TO -FOUR FAMILY RESIDENCE Issued By Lawyers Title Insurance Corporation SCHEDULE A Name and Address of Title Insurance Company: Lawyers Title - SD 5898 Copley Drive, 3rd Floor San Diego, CA 92111 Policy /File No.: 39325416 Policy Amount: $880,000.00 Endorsement Fee: $50.00 Policy Date and Time: April 23, 2010 at 8:00AM Deductible Amounts and Maximum Dollar Limits of Liability For Covered Risk 16, 18, 19 & 21: Your Deductible Amount Covered Risk 16: 1% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) Covered Risk 18: 1% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 19: 1% of Policy Amount Shown in Schedule A or $5,000.00 (whichever is less) Covered Risk 21: 1% of Policy Amount Shown in Schedule A or $2,500.00 (whichever is less) Street address of the Land: 445 4th Street, City of Encinitas, California 1. Name of Insured: Glen E. Sparks, a single man 2. Your interest in the Land covered by this Policy is: A FEE 3. The Land referred to in this Policy is described as: See Exhibit A attached hereto and made a part hereof. Premium: $2,168.00 Our Maximum Dollar Limit of Liability $10,000.00 $25,000.00 $25,000.00 $5,000.00 File No. 39325416 EXHIBIT "A" All that certain real property situated in the County of San Diego, State of California, described as follows: Lot 11 of Block 28 of Encinitas, in the County of San Diego, State of California, according to Map thereof No. 148, filed in the Office of the County Recorder of San Diego County on June 12, 1883. Assessor's Parcel Number: 258- 071 -11 File No. 39325416 SCHEDULEB EXCEPTIONS FROM COVERAGE IN ADDITION TO THE EXCLUSIONS, YOU ARE NOT INSURED AGAINST LOSS, COSTS, ATTORNEY'S FEES AND EXPENSES RESULTING FROM: A. Property taxes, including general and special taxes, personal property taxes, if any, and any assessments collected with taxes, to be levied for the fiscal year 2010 - 2011 which are a lien not yet payable. B. Supplemental or escaped assessments of property taxes, if any, assessed pursuant to the Revenue and Taxation Code of the State of California. 1. Water rights, claims or title to water, whether or not shown by the public records. 2. Any easements not disclosed by those public records which impart constructive notice and which are not visible and apparent from an inspection of the surface of said land. 3. A deed of trust to secure an indebtedness in the amount shown below, and any other obligations secured thereby. Amount: $528,000.00 Dated: April 19, 2010 Trustor: Glen E. Sparks, a single man Trustee: Lawyers Title Company Beneficiary: Mortgage Electronic Registration Systems, Inc., ( "MERS "), solely as nominee for Pacific Mercantile Bank, its successors and /or assigns Recorded: April 23, 2010 as Instrument No. 2010-0201764, Official Records Loan No.: 15060036 END OF SCHEDULE B Endorsements: NONE 1- 8334 — __....-._L_ 00-343-7 -- - -3_._ �ew�nooriww I ��I L THIRD 3T h N IFOURTH ST ova � E u eo p g '1i V C s ° W y I t MOONLI a7a 10 9 MDONFr��6FF�,s1 __� I _ 1 k 1 C 1 1 K8 pP°� cu° FIFTH ST ---------------------- .� --� r - 1 � ° I I I OCEAN I� I PACIFIC j �� - -- -- -- -- -- --- - -- _ '--- ---1 1 . JA yt11 j 1 � MAIM I W hq O mgm } i m o w 3 i F� 8 i t4P�ti� N IFOURTH ST ova � E u eo p g '1i V C s ° W y I t MOONLI a7a 10 9 MDONFr��6FF�,s1 __� I _ 1 k 1 C 1 1 K8 pP°� cu° FIFTH ST ---------------------- .� --� r - 1 � ° I I I OCEAN I� I PACIFIC j �� - -- -- -- -- -- --- - -- _ '--- ---1 1 . JA yt11 j 1 � mgm Ego m SUN N IFOURTH ST ova � E u eo p g '1i V C s ° W y I t MOONLI a7a 10 9 MDONFr��6FF�,s1 __� I _ 1 k 1 C 1 1 K8 pP°� cu° FIFTH ST ---------------------- .� --� r - 1 � ° I I I OCEAN I� I PACIFIC j �� - -- -- -- -- -- --- - -- _ '--- ---1 1 . JA yt11 j 1 �