Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

DISCLOSURE REGARDING
REAL ESTATE AGENCY RELATIONSHIP
(As required by the Civil Code)
(C.A.R. Form AD, Revised 12/24)

(If checked) This form is being provided in connection with a transaction for a leasehold interest exceeding one year as per Civil
Code §§ 2079.13(j), (k), and (l).
When you enter into a discussion with a real estate agent regarding a real estate transaction, you should from the outset understand
what type of agency relationship or representation you wish to have with the agent in the transaction.
SELLER'S AGENT
A Seller's agent under a listing agreement with the Seller acts as the agent for the Seller only. A Seller's agent or a subagent of that
agent has the following affirmative obligations:
To the Seller: A Fiduciary duty of utmost care, integrity, honesty and loyalty in dealings with the Seller.
To the Buyer and the Seller:
(a) Diligent exercise of reasonable skill and care in performance of the agent's duties.
(b) A duty of honest and fair dealing and good faith.
(c) A duty to disclose all facts known to the agent materially affecting the value or desirability of the property that are not known to,
or within the diligent attention and observation of, the parties. An agent is not obligated to reveal to either party any confidential
information obtained from the other party that does not involve the affirmative duties set forth above.
BUYER'S AGENT
A Buyer's agent can, with a Buyer's consent, agree to act as agent for the Buyer only. This includes a Buyer's agent under a buyer-broker
representation agreement with the Buyer. In these situations, the agent is not the Seller's agent, even if by agreement the agent may
receive compensation for services rendered, either in full or in part from the Seller. An agent acting only for a Buyer has the following
affirmative obligations:
To the Buyer: A fiduciary duty of utmost care, integrity, honesty and loyalty in dealings with the Buyer.
To the Buyer and the Seller:
(a) Diligent exercise of reasonable skill and care in performance of the agent's duties.
(b) A duty of honest and fair dealing and good faith.
(c) A duty to disclose all facts known to the agent materially affecting the value or desirability of the property that are not known to,
or within the diligent attention and observation of, the parties. An agent is not obligated to reveal to either party any confidential
information obtained from the other party that does not involve the affirmative duties set forth above.
AGENT REPRESENTING BOTH SELLER AND BUYER
A real estate agent, either acting directly or through one or more salespersons and broker associates, can legally be the agent of both
the Seller and the Buyer in a transaction, but only with the knowledge and consent of both the Seller and the Buyer.
In a dual agency situation, the agent has the following affirmative obligations to both the Seller and the Buyer:
(a) A fiduciary duty of utmost care, integrity, honesty and loyalty in the dealings with either the Seller or the Buyer.
(b) Other duties to the Seller and the Buyer as stated above in their respective sections.
In representing both Seller and Buyer, a dual agent may not, without the express permission of the respective party, disclose to the
other party confidential information, including, but not limited to, facts relating to either the Buyer's or Seller's financial position,
motivations, bargaining position, or other personal information that may impact price, including the Seller's willingness to accept a price
less than the listing price or the Buyer's willingness to pay a price greater than the price offered.
SELLER AND BUYER RESPONSIBILITIES
Either the purchase agreement or a separate document will contain a confirmation of which agent is representing you and whether that
agent is representing you exclusively in the transaction or acting as a dual agent. Please pay attention to that confirmation to make sure
it accurately reflects your understanding of your agent's role.
The above duties of the agent in a real estate transaction do not relieve a Seller or Buyer from the responsibility to protect their own
interests. You should carefully read all agreements to assure that they adequately express your understanding of the transaction. A real
estate agent is a person qualified to advise about real estate. If legal or tax advice is desired, consult a competent professional.
If you are a Buyer, you have the duty to exercise reasonable care to protect yourself, including as to those facts about the property
which are known to you or within your diligent attention and observation.
Both Sellers and Buyers should strongly consider obtaining tax advice from a competent professional because the federal and state tax
consequences of a transaction can be complex and subject to change.
Throughout your real property transaction you may receive more than one disclosure form, depending upon the number of agents
assisting in the transaction. The law requires each agent with whom you have more than a casual relationship to present you with this
disclosure form. You should read its contents each time it is presented to you, considering the relationship between you and the real
estate agent in your specific transaction. This disclosure form includes the provisions of §§ 2079.13 to 2079.24, inclusive, of the
Civil Code set forth on page 2. Read it carefully.
Note: Real estate broker commissions are not set by law and are fully negotiable.
I/WE ACKNOWLEDGE RECEIPT OF A COPY OF THIS DISCLOSURE AND THE PORTIONS OF THE CIVIL CODE PRINTED ON
THE SECOND PAGE.
Buyer Seller Landlord Tenant Bhupinder Singh Date
Buyer Seller Landlord Tenant Date
Agent DRE Lic. #
Real Estate Broker (Firm)
By DRE Lic. # Date
(Salesperson or Broker-Associate, if any)

AD REVISED 12/24 (PAGE 1 OF 2)

DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIP (AD PAGE 1 OF 2)
Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
CIVIL §§ 2079.13 - 2079.24 (2079.16 APPEARS ON THE FRONT)
2079.13. As used in this section and §§ 2079.7 and 2079.14 to 2079.24, inclusive, the following terms have the following meanings:
(a) “Agent” means a person acting under provisions of Title 9 (commencing with § 2295) in a real property transaction, and includes a person who is
licensed as a real estate broker under Chapter 3 (commencing with § 10130) of Part 1 of Division 4 of the Business and Professions Code, and under
whose license a listing is executed or an offer to purchase is obtained. The agent in the real property transaction bears responsibility for that agent's
salespersons or broker associates who perform as agents of the agent. When a salesperson or broker associate owes a duty to any principal, or to
any buyer or seller who is not a principal, in a real property transaction, that duty is equivalent to the duty owed to that party by the broker for whom
the salesperson or broker associate functions. (b) “Buyer” means a transferee in a real property transaction, and includes a person who executes an
offer to purchase real property from a seller through an agent, or who seeks the services of an agent in more than a casual, transitory, or preliminary
manner, with the object of entering into a real property transaction. “Buyer” includes a vendee or lessee of real property. (c) “Commercial real property”
means all real property in the state, except (1) single-family residential real property, (2) dwelling units made subject to Chapter 2 (commencing with
§ 1940) of Title 5, (3) a mobilehome, as defined in § 798.3, (4) vacant land, or (5) a recreational vehicle, as defined in § 799.29. (d) “Dual agent”
means an agent acting, either directly or through a salesperson or broker associate, as agent for both the seller and the buyer in a real property
transaction. (e) “Listing agreement” means a written contract between a seller of real property and an agent, by which the agent has been authorized
to sell the real property or to find or obtain a buyer, including rendering other services for which a real estate license is required to the seller pursuant
to the terms of the agreement. (f) “Seller's agent” means a person who has obtained a listing of real property to act as an agent for compensation.
(g) “Listing price” is the amount expressed in dollars specified in the listing for which the seller is willing to sell the real property through the seller's
agent. (h) “Offering price” is the amount expressed in dollars specified in an offer to purchase for which the buyer is willing to buy the real property.
(i) “Offer to purchase” means a written contract executed by a buyer acting through a buyer's agent that becomes the contract for the sale of the real
property upon acceptance by the seller. (j) “Real property” means any estate specified by subdivision (1) or (2) of § 761 in property, and includes (1)
single-family residential property, (2) multiunit residential property with more than four dwelling units, (3) commercial real property, (4) vacant land,
(5) a ground lease coupled with improvements, or (6) a manufactured home as defined in § 18007 of the Health and Safety Code, or a mobilehome
as defined in § 18008 of the Health and Safety Code, when offered for sale or sold through an agent pursuant to the authority contained in § 10131.6
of the Business and Professions Code. (k) “Real property transaction” means a transaction for the sale of real property in which an agent is retained
by a buyer, seller, or both a buyer and seller to act in that transaction, and includes a listing or an offer to purchase. (l) “Single-family residential
property” or “single-family residential real property” means any of the following: (1) Real property improved with one to four dwelling units, including a
leasehold exceeding one year's duration. (2) A unit in a residential stock cooperative, condominium, or planned unit development. (3) A mobilehome or
manufactured home when offered for sale or sold through a real estate broker pursuant to § 10131.6 of the Business and Professions Code.
(m) “Sell,” “sale,” or “sold” refers to a transaction for the transfer of real property from the seller to the buyer and includes exchanges of real property
between the seller and buyer, transactions for the creation of a real property sales contract within the meaning of § 2985, and transactions for the creation
of a leasehold exceeding one year's duration. (n) “Seller” means the transferor in a real property transaction and includes an owner who lists real property
with an agent, whether or not a transfer results, or who receives an offer to purchase real property of which he or she is the owner from an agent on behalf
of another. “Seller” includes both a vendor and a lessor of real property. (o) “Buyer's agent” means an agent who represents a buyer in a real property
transaction. (p) “Buyer-broker representation agreement” means a written contract between a buyer of real property and a buyer's agent by which the
buyer's agent has been authorized by the buyer to provide services set forth in subdivision (a) of § 10131 of the Business and Professions Code for or on
behalf of the buyer for which a real estate license is required pursuant to the terms of the contract.
2079.14. A seller's agent and buyer's agent shall provide the seller and buyer in a real property transaction with a copy of the disclosure form specified in
§ 2079.16, and shall obtain a signed acknowledgment of receipt from that seller and buyer, except as provided in § 2079.15, as follows: (a) The seller's
agent, if any, shall provide the disclosure form to the seller prior to entering into the listing agreement. (b) The buyer's agent shall provide the disclosure
form to the buyer as soon as practicable before execution of a buyer-broker representation agreement and execution of the buyer's offer to purchase. If
the offer to purchase is not prepared by the buyer's agent, the buyer's agent shall present the disclosure form to the buyer not later than the next business
day after receiving the offer to purchase from the buyer.
2079.15. In any circumstance in which the seller or buyer refuses to sign an acknowledgment of receipt pursuant to § 2079.14, the agent shall set forth,
sign, and date a written declaration of the facts of the refusal.
2079.16 Reproduced on Page 1 of this AD form.
2079.17(a) As soon as practicable, the buyer's agent shall disclose to the buyer and seller whether the agent is acting in the real property transaction as
the buyer's agent, or as a dual agent representing both the buyer and the seller. This relationship shall be confirmed in the contract to purchase and sell
real property or in a separate writing executed or acknowledged by the seller, the buyer, and the buyer's agent prior to or coincident with execution of that
contract by the buyer and the seller, respectively. (b) As soon as practicable, the seller's agent shall disclose to the seller whether the seller's agent is acting
in the real property transaction as the seller's agent, or as a dual agent representing both the buyer and seller. This relationship shall be confirmed in the
contract to purchase and sell real property or in a separate writing executed or acknowledged by the seller and the seller's agent prior to or coincident with
the execution of that contract by the seller.
CONFIRMATION: (c) The confirmation required by subdivisions (a) and (b) shall be in the following form:
Seller's Brokerage Firm DO NOT COMPLETE. SAMPLE ONLY License Number ______________
Is the broker of (check one): the seller; or both the buyer and seller. (dual agent)
Seller's Agent DO NOT COMPLETE. SAMPLE ONLY License Number ______________
Is (check one): the Seller's Agent. (salesperson or broker associate) both the Buyer's and Seller's Agent. (dual agent)
Buyer's Brokerage Firm DO NOT COMPLETE. SAMPLE ONLY License Number ______________
Is the broker of (check one): the buyer; or both the buyer and seller. (dual agent)
Buyer's Agent DO NOT COMPLETE. SAMPLE ONLY License Number ______________
Is (check one): the Buyer's Agent. (salesperson or broker associate) both the Buyer's and Seller's Agent. (dual agent)
(d) The disclosures and confirmation required by this section shall be in addition to the disclosure required by § 2079.14. An agent's duty to provide
disclosure and confirmation of representation in this section may be performed by a real estate salesperson or broker associate affiliated with that broker.
2079.18 (Repealed pursuant to AB-1289)
2079.19 The payment of compensation or the obligation to pay compensation to an agent by the seller or buyer is not necessarily determinative of a
particular agency relationship between an agent and the seller or buyer. A listing agent and a selling agent may agree to share any compensation or
commission paid, or any right to any compensation or commission for which an obligation arises as the result of a real estate transaction, and the terms of
any such agreement shall not necessarily be determinative of a particular relationship.
2079.20 Nothing in this article prevents an agent from selecting, as a condition of the agent's employment, a specific form of agency relationship not
specifically prohibited by this article if the requirements of § 2079.14 and § 2079.17 are complied with.
2079.21 (a) A dual agent may not, without the express permission of the seller, disclose to the buyer any confidential information obtained from the seller.
(b) A dual agent may not, without the express permission of the buyer, disclose to the seller any confidential information obtained from the buyer. (c)
“Confidential information” means facts relating to the client's financial position, motivations, bargaining position, or other personal information that may
impact price, such as the seller is willing to accept a price less than the listing price or the buyer is willing to pay a price greater than the price offered. (d)
This section does not alter in any way the duty or responsibility of a dual agent to any principal with respect to confidential information other than price.
2079.22 Nothing in this article precludes a seller's agent from also being a buyer's agent. If a seller or buyer in a transaction chooses to not be represented
by an agent, that does not, of itself, make that agent a dual agent.
2079.23 A contract between the principal and agent may be modified or altered to change the agency relationship at any time before the performance of
the act which is the object of the agency with the written consent of the parties to the agency relationship.
2079.24 Nothing in this article shall be construed to either diminish the duty of disclosure owed buyers and sellers by agents and their associate licensees,
subagents, and employees or to relieve agents and their associate licensees, subagents, and employees from liability for their conduct in connection with
acts governed by this article or for any breach of a fiduciary duty or a duty of disclosure.

Published and Distributed by: REAL ESTATE BUSINESS SERVICES, LLC. a subsidiary of the California Association of REALTORS®
AD REVISED 12/24 (PAGE 2 OF 2)

DISCLOSURE REGARDING REAL ESTATE AGENCY RELATIONSHIP (AD PAGE 2 OF 2)

Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

COMMERCIAL PURCHASE AGREEMENT

AND JOINT ESCROW INSTRUCTIONS
(C.A.R. Form CPA, Revised 12/24)

Date Prepared: February 12, 2025

1. OFFER:
A. THIS IS AN OFFER FROM Bhupinder Singh (“Buyer”).
Individual(s), A Corporation, A Partnership, An LLC, Other .
B. THE PROPERTY to be acquired is 608 S central Ave , situated
in Lodi (City), (County), California, 95240 (Zip Code),
Assessor's Parcel No(s). (“Property”).
(Postal/Mailing address may be different from city jurisdiction. Buyer is advised to investigate.)
C. THE TERMS OF THE PURCHASE ARE SPECIFIED BELOW AND ON THE FOLLOWING PAGES.
D. Buyer and Seller are referred to herein as the "Parties." Brokers and Agents are not Parties to this Agreement.
2. AGENCY:
A. DISCLOSURE: The Parties each acknowledge receipt of a “Disclosure Regarding Real Estate Agency Relationship” (C.A.R.
Form AD) if represented by a real estate licensee. Buyer's Agent is not legally required to give to Seller's Agent the AD form
Signed by Buyer. Seller's Agent is not legally obligated to give to Buyer's Agent the AD form Signed by Seller.
B. CONFIRMATION: The following agency relationships are hereby confirmed for this transaction.
Seller's Brokerage Firm License Number
Is the broker of (check one): the Seller; or both the Buyer and Seller (Dual Agent).
Seller's Agent License Number
Is (check one): the Seller's Agent (Salesperson or broker associate); or both the Buyer's and Seller's Agent (Dual Agent).
Buyer's Brokerage Firm License Number
Is the broker of (check one): the Buyer; or both the Buyer and Seller (Dual Agent).
Buyer's Agent License Number
Is (check one): the Buyer's Agent (Salesperson or broker associate); or both the Buyer's and Seller's Agent (Dual Agent).
C. More than one Brokerage represents Seller, Buyer. See, Additional Broker Acknowledgement (C.A.R. Form ABA).
D. POTENTIALLY COMPETING BUYERS AND SELLERS: The Parties each acknowledge receipt of a X “Possible
Representation of More than One Buyer or Seller - Disclosure and Consent” (C.A.R. Form PRBS).
3. TERMS OF PURCHASE AND ALLOCATION OF COSTS: The items in this paragraph are contractual terms of the Agreement.
Referenced paragraphs provide further explanation. This form is 17 pages. The Parties are advised to read all 17 pages.
Para # Paragraph Title or Contract Terms and Conditions Additional Terms
Term
A 5, 5B (cash) Purchase Price $ 475,000.00 X All Cash
B Close Of Escrow (COE) X 10 Days after Acceptance
OR on (date)
C 40A Expiration of Offer 3 calendar days after all Buyer Signature(s) or
(date) at 5PM or AM/ PM
D(1) 5A(1) Initial Deposit Amount $ ( % of purchase price) within 3 (or ) business days
(% number above is for calculation purposes after Acceptance by wire transfer
and is not a contractual term) OR
D(2) 5A(2) Increased Deposit See attached Increased Deposit Addendum (C.A.R. Form IDA)
E(1) 5C(1) Loan Amount(s): First $ ( % of purchase price) Conventional or, if checked,
Interest Rate Fixed rate or Initial adjustable rate, Seller Financing
● not to exceed % Assumed Financing
Points ● Buyer to pay up to points to obtain rate Subject To Financing
above Other:

E(2) 5C(2) Additional Financed Amount $ ( % of purchase price) Conventional or, if checked,
Interest Rate Fixed rate or Initial adjustable rate Seller Financing
● not to exceed % Assumed Financing
Points ● Buyer to pay up to points to obtain rate Subject To Financing
above Other:

E(3) 7A Occupancy Type Investment OR

F 5D Balance of Down Payment $ 475,000.00
PURCHASE PRICE TOTAL $ 475,000.00
G SELLER PAYMENT TO COVER BUYER EXPENSES AND COSTS
G(1) 5E Seller Credit to Buyer $ For closing costs
G(2) ADDITIONAL SELLER CREDIT TERMS (does not include buyer broker compensation):

© 2024, California Association of REALTORS®, Inc.

CPA REVISED 12/24 (PAGE 1 OF 17) Buyer's Initials / Seller's Initials /
COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 1 OF 17)
Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
G(3) 21 X Seller Payment for Buyer's Seller agrees to pay, out of transaction proceeds, 10.520 % of the final purchase
Obligation to compensate Buyer's price AND, if applicable $ OR, if checked $
Broker toward the obligation of Buyer to compensate Buyer's Broker.
Buyer Compensation Affirmation Buyer affirmatively represents that, at the time this offer is made, Buyer has a written
agreement with Buyer's Broker that: (i) is valid; (ii) covers the Property; and (iii)
provides for compensation for no less than the amount stated above.

H(1) 5B Verification of All Cash (sufficient Attached to the offer or X 3 (or ) Days
funds) after Acceptance
H(2) 6A Verification of Down Payment and Attached to the offer or 3 (or ) Days
Closing Costs after Acceptance
H(3) 6B Verification of Loan Application Attached to the offer or 3 (or ) Days Prequalification Preapproval
after Acceptance
I Intentionally Left Blank
J 19 Final Verification of Condition 5 (or 5 ) Days prior to COE

K 26 Assignment Request 17 (or ) Days after Acceptance

L CONTINGENCIES TIME TO REMOVE CONTINGENCIES CONTINGENCY REMOVED
L(1) 8A Loan(s) 17 (or ) Days after Acceptance No loan contingency
L(2) 8B Appraisal: Appraisal contingency 17 (or ) Days after Acceptance No appraisal contingency
based upon appraised value at a Removal of appraisal contingency
minimum of purchase price or does not eliminate appraisal
$ cancellation rights in FVAC.
L(3) 8C, 15 Investigation of Property 17 (or ) Days after Acceptance
Informational Access to Property 17 (or ) Days after Acceptance REMOVAL OR WAIVER OF
Buyer's right to access the Property for informational purposes only is NOT a contingency CONTINGENCY:
and does NOT create additional cancellation rights for Buyer.
L(4) 8D Insurance 17 (or ) Days after Acceptance
L(5) 8E, 17A Review of Seller Documents 17 (or ) Days after Acceptance, or 5 Days
after Delivery, whichever is later
L(6) 8F, 16A Preliminary ("Title") Report 17 (or ) Days after Acceptance, or 5 Days
after Delivery, whichever is later
L(7) 8G, 11D Common Interest Disclosures 17 (or ) Days after Acceptance, or 5 Days
Per by Civil Code § 4525 or this after Delivery, whichever is later CR attached
Agreement
L(8) 8H, 9B(6) Review of leased or liened items 17 (or ) Days after Acceptance, or 5 Days
(E.g. solar panels or propane tanks) after Delivery, whichever is later
L(9) 8K Sale of Buyer's Property
Sale of Buyer's property is not a
contingency, UNLESS checked here:
C.A.R. Form COP attached
M Possession Time for Performance Additional Terms
M(1) Vacant Units; Upon notice of recordation
Tenant Occupied Unit(s) to be
Tenant Occupied Units being On COE date delivered vacant (#s )
delivered subject to tenant rights
M(2) 7D Seller Occupied Units to be Upon Notice or recordation, OR 6 PM or C.A.R. Form SIP attached if 29
delivered vacant AM/ PM or fewer days. C.A.R. Form CL
COE date or, if checked below, attached if 30 or more days.
days after COE (29 or fewer days)
days after COE (30 or more days)
N Documents/Fees/Compliance Time for Performance
N(1) 17A Seller Delivery of Documents 7 (or ) Days after Acceptance
N(2) 22B Sign and return Escrow Holder 5 (or ) Days after Delivery
General Provisions, Supplemental
Instructions
N(3) 11D(2) Time to pay fees for ordering HOA 3 (or ) Days after Acceptance
Documents
N(4) 10B(1) Install smoke alarm(s), CO 7 (or ) Days after Acceptance
detector(s), water heater bracing
N(5) 36 Evidence of representative authority 3 Days after Acceptance
O Intentionally Left Blank

CPA REVISED 12/24 (PAGE 2 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 2 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
P Items Included and Excluded
P(1) 9 Items Included - All items specified in Paragraph 9B are included and the following, if checked:
. . .
P(2) 9 Excluded Items:
; ; ;
Q Allocation of Costs
Para # Item Description Who Pays (if Both is checked, cost to be Additional Terms
split equally unless Otherwise Agreed)
Q(1) 10A Natural Hazard Zone Disclosure Buyer Seller Both Environmental
Report, including tax information Other

Provided by:
Q(2) 15B(1)(D) Environmental Survey Buyer Seller Both
Q(3) Report Buyer Seller Both
Q(4) Report Buyer Seller Both
Q(5) 10B(1) Smoke alarms, CO detectors, water Buyer X Seller Both
heater bracing
Q(6) 10A, 10B(2) Government Required Point of Sale Buyer X Seller Both
inspections, reports
Q(7) 10B(2) Government Required Point of Sale Buyer Seller Both
corrective/remedial actions
Q(8) 22B Escrow Fees Buyer Seller Both Escrow Holder:
Each to pay their own fees
Q(9) 16 Owner's title insurance policy Buyer Seller Both Title Company (If different from
Escrow Holder):

Q(10) Buyer's Lender title insurance policy Buyer Unless Otherwise Agreed, Buyer
shall purchase any title insurance
policy insuring Buyer's lender.
Q(11) County transfer tax, fees Buyer Seller Both
Q(12) City transfer tax, fees Buyer Seller Both
Q(13) 11D(2) HOA fee for preparing disclosures Seller
Q(14) HOA certification fee Buyer
Q(15) HOA transfer fees Buyer Seller Both Unless Otherwise Agreed, Seller
shall pay for separate HOA move-
out fee and Buyer shall pay for
separate move-in fee. Applies if
separately billed or itemized with
cost in transfer fee.
Q(16) Private transfer fees Seller, or if checked, Buyer Both

Q(17) 10B(4) Installation of safety features, required Buyer Seller Both

by law
Q(18) fees or costs Buyer Seller Both
R 12 Additional Tenancy Documents: Income and Expense Statements Tenant Estoppel Certificate
S OTHER TERMS:

4. PROPERTY ADDENDA AND ADVISORIES: (check all that apply)

A. PROPERTY TYPE ADDENDA: This Agreement is subject to the terms contained in the Addenda checked below:
Probate Agreement Purchase Addendum (C.A.R. Form PA-PA) Residential Units Purchase Addendum (RU-PA)
Other
B. OTHER ADDENDA: This Agreement is subject to the terms contained in the Addenda checked below:
Addendum # (C.A.R. Form ADM) Assumed Financing Addendum (C.A.R. Form AFA)
Back Up Offer Addendum (C.A.R. Form BUO) Short Sale Addendum (C.A.R. Form SSA)
Court Confirmation Addendum (C.A.R. Form CCA) Seller Intent to Exchange Addendum (C.A.R. Form SXA)
Septic, Well, Property Monument and Propane Addendum (C.A.R. Form SWPI)
Buyer Intent to Exchange Addendum (C.A.R. Form BXA)
Other Other

CPA REVISED 12/24 (PAGE 3 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 3 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
C. BUYER AND SELLER ADVISORIES: (Note: All Advisories below are provided for reference purposes only and are not
intended to be incorporated into this Agreement.)
X Buyer's Investigation Advisory (C.A.R. Form BIA) X Fair Housing and Discrimination Advisory (C.A.R. Form FHDA)
X Wire Fraud Advisory (C.A.R. Form WFA) X Cal. Consumer Privacy Act Advisory (C.A.R. Form CCPA)
(Parties may also receive a privacy disclosure from their own Agent.)
Wildfire Disaster Advisory (C.A.R. Form WFDA) Statewide Buyer and Seller Advisory (C.A.R. Form SBSA)
Trust Advisory (C.A.R. Form TA) Short Sale Information and Advisory (C.A.R. Form SSIA)
REO Advisory (C.A.R. Form REO) Probate Advisory (C.A.R. Form PA)
Other: Other:
5. ADDITIONAL TERMS AFFECTING PURCHASE PRICE: Buyer represents that funds will be good when deposited with Escrow Holder.
A. DEPOSIT:
(1) INITIAL DEPOSIT: Buyer shall deliver deposit directly to Escrow Holder. If a method other than wire transfer is specified
in paragraph 3D(1) and such method is unacceptable to Escrow Holder, then upon notice from Escrow Holder, delivery
shall be by wire transfer.
(2) RETENTION OF DEPOSIT: Paragraph 37, if initialed by all Parties or otherwise incorporated into this Agreement,
specifies a remedy for Buyer's default. Buyer and Seller are advised to consult with a qualified California real
estate attorney: (i) Before adding any other clause specifying a remedy (such as release or forfeiture of deposit
or making a deposit non-refundable) for failure of Buyer to complete the purchase. Any such clause shall be
deemed invalid unless the clause independently satisfies the statutory liquidated damages requirements set forth
in the Civil Code; and (ii) Regarding possible liability and remedies if Buyer fails to deliver the deposit.
B. ALL CASH OFFER: If an all cash offer is specified in paragraph 3A, no loan is needed to purchase the Property. This
Agreement is NOT contingent on Buyer obtaining a loan. Buyer shall, within the time specified in paragraph 3H(1), Deliver
written verification of funds sufficient for the purchase price and closing costs.
C. LOAN(S):
(1) FIRST LOAN: This loan will provide for conventional financing UNLESS Seller Financing (C.A.R. Form SFA), Subject To
Financing, Assumed Financing, or Other is checked in paragraph 3E(1).
(2) ADDITIONAL FINANCED AMOUNT: If an additional financed amount is specified in paragraph 3E(2), that amount will
provide for conventional financing UNLESS Seller Financing (C.A.R. Form SFA), Subject To Financing, Assumed
Financing, or Other is checked in paragraph 3E(2).
(3) BUYER'S LOAN STATUS: Buyer authorizes Seller and Seller's Authorized Agent to contact Buyer's lender(s) to
determine the status of any Buyer's loan specified in paragraph 3E, or any alternate loan Buyer pursues, whether or not a
contingency of this Agreement. If the contact information for Buyer's lender(s) is different from that provided under the
terms of paragraph 6B, Buyer shall Deliver the updated contact information within 1 Day of Seller's request.
(4) ASSUMED OR SUBJECT TO FINANCING: Seller represents that Seller is not delinquent on any payments due on any
loans. If the Property is acquired subject to an existing loan, Buyer and Seller are advised to consult with legal counsel
regarding the ability of an existing lender to call the loan due, and the consequences thereof.
(5) Buyer shall, within the time specified in paragraph 3E(1), Deliver to Seller written notice (C.A.R. Form RR or AEA) (i) of
any lender requirements that Buyer requests Seller to pay for or otherwise correct or (ii) that there are no lender
requirements.
D. BALANCE OF PURCHASE PRICE (DOWN PAYMENT, paragraph 3F) (including all-cash funds) to be deposited with
Escrow Holder pursuant to Escrow Holder instructions.
E. LIMITS ON CREDITS TO BUYER: Any credit to Buyer as specified in paragraph 3G(1) or Otherwise Agreed, from any source,
for closing or other costs that is agreed to by the Parties (“Contractual Credit”) shall be disclosed to Buyer's lender, if any, and
made at Close Of Escrow. If the total credit allowed by Buyer's lender (“Lender Allowable Credit”) is less than the Contractual
Credit, then (i) the Contractual Credit from Seller shall be reduced to the Lender Allowable Credit, and (ii) in the absence of a
separate written agreement between the Parties, there shall be no automatic adjustment to the purchase price to make up for the
difference between the Contractual Credit and the Lender Allowable Credit.
6. ADDITIONAL FINANCING TERMS:
A. VERIFICATION OF DOWN PAYMENT AND CLOSING COSTS: Written verification of Buyer's down payment and closing costs,
within the time specified in paragraph 3H(2) may be made by Buyer or Buyer's lender or loan broker pursuant to paragraph 6B.
B. VERIFICATION OF LOAN APPLICATIONS: Buyer shall Deliver to Seller, within the time specified in paragraph 3H(3) a letter
from Buyer's lender or loan broker stating that, based on a review of Buyer's written application and credit report, Buyer is
prequalified or preapproved for any NEW loan specified in paragraph 3E. If any loan specified in paragraph 3E is an
adjustable rate loan, the prequalification or preapproval letter shall be based on the qualifying rate, not the initial loan rate.
C. BUYER STATED FINANCING: Seller is relying on Buyer's representation of the type of financing specified (including, but not
limited to, as applicable, all cash, amount of down payment, or contingent or non-contingent loan). Seller has agreed to a
specific closing date, purchase price, and to sell to Buyer in reliance on Buyer's specified financing. Buyer shall pursue the
financing specified in this Agreement, even if Buyer also elects to pursue an alternative form of financing. Seller has no
obligation to cooperate with Buyer's efforts to obtain any financing other than that specified in this Agreement but shall not
interfere with closing at the purchase price on the COE date (paragraph 3B) even if based upon alternate financing. Buyer's
inability to obtain alternate financing does not excuse Buyer from the obligation to purchase the Property and close escrow as
specified in this Agreement.
7. CLOSING AND POSSESSION:
A. OCCUPANCY: Buyer intends to occupy the Property as indicated in paragraph 3E(3). Occupancy may impact available financing.
B. CONDITION OF PROPERTY ON CLOSING:
Unless Otherwise Agreed: (i) the Property shall be delivered “As-Is” in its PRESENT physical condition as of the date of
Acceptance; (ii) the Property, including pool, spa, landscaping and grounds, is to be maintained in substantially the same condition
as on the date of Acceptance; (iii) Except as specified in paragraph 9C, Seller is not responsible to repair any holes left after
the removal of any wall hangings (such as pictures and mirrors), brackets, nails or other fastening devices; and (iv) all debris and
personal property not included in the sale shall be removed by Close Of Escrow or at the time possession is delivered to Buyer,
if not on the same date. If items are not removed when possession is delivered to Buyer, all items shall be deemed abandoned.
Buyer, after first Delivering to Seller written notice to remove the items within 3 Days, may pay to have such items removed or
disposed of and may bring legal action, as per this Agreement, to receive reasonable costs from Seller.
C. Buyer is strongly advised to conduct investigations of the entire Property in order to determine its present condition.
Seller and Agents may not be aware of all defects affecting the Property or other factors that Buyer considers important.
Property improvements may not be built according to code, in compliance with current Law, or have had all required
permits issued and/or finalized.
CPA REVISED 12/24 (PAGE 4 OF 17) Buyer's Initials / Seller's Initials /
COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 4 OF 17)
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D. SELLER REMAINING IN POSSESSION AFTER CLOSE OF ESCROW: If Seller has the right to remain in possession after
Close Of Escrow pursuant to paragraph 3M(2) or as Otherwise Agreed, (i) the Parties are advised to consult with their
insurance and legal advisors for information about liability and damage or injury to persons and personal and real property;
(ii) Buyer is advised to consult with Buyer's lender about the impact of Seller's occupancy on Buyer's loan; and (iii) consult
with a qualified California real estate attorney where the Property is located to determine the ongoing rights and responsibilities
of both Buyer and Seller with regard to each other, including possible tenant rights, and what type of written agreement to use
to document the relationship between the Parties.
E. At Close Of Escrow: (i) Seller assigns to Buyer any assignable warranty rights for items included in the sale; and (ii) Seller shall
Deliver to Buyer available Copies of any such warranties. Agents cannot and will not determine the assignability of any warranties.
F. Seller shall, on Close Of Escrow unless Otherwise Agreed and even if Seller remains in possession, provide keys, passwords,
codes and/or means to operate all locks, mailboxes, security systems, alarms, home automation systems, intranet and
Internet-connected devices included in the purchase price, garage door openers, and all items included in either paragraph 3P
or paragraph 9. If the Property is a condominium or located in a common interest development, Seller shall be responsible for
securing or providing any such items for Association amenities, facilities, and access. Buyer may be required to pay a deposit
to the Owners' Association (“HOA”) to obtain keys and accessible HOA facilities.
8. CONTINGENCIES AND REMOVAL OF CONTINGENCIES:
A. LOAN(S):
(1) This Agreement is, unless otherwise specified in paragraph 3L(1) or an attached CR form, contingent upon Buyer
obtaining the loan(s) specified. If contingent, Buyer shall act diligently and in good faith to obtain the designated loan(s). If
there is no appraisal contingency or the appraisal contingency has been waived or removed, then failure of the
Property to appraise at the purchase price does not entitle Buyer to exercise the cancellation right pursuant to
the loan contingency if Buyer is otherwise qualified for the specified loan and Buyer is able to satisfy lender's
non-appraisal conditions for closing the loan.
(2) Buyer is advised to investigate the insurability of the Property as early as possible, as this may be a requirement for lending.
Buyer's ability to obtain insurance for the Property, including fire insurance, is part of Buyer's Insurance contingency. Failure
of Buyer to obtain insurance may justify cancellation based on the Insurance contingency but not the loan contingency.
(3) Buyer's contractual obligations regarding deposit, balance of down payment and closing costs are not contingencies of
this Agreement, unless Otherwise Agreed.
(4) If there is an appraisal contingency, removal of the loan contingency shall not be deemed removal of the appraisal contingency.
(5) NO LOAN CONTINGENCY: If "No loan contingency" is checked in paragraph 3L(1), obtaining any loan specified is NOT
a contingency of this Agreement. If Buyer does not obtain the loan specified, and as a result is unable to purchase the
Property, Seller may be entitled to Buyer's deposit or other legal remedies.
B. APPRAISAL:
(1) This Agreement is, unless otherwise specified in paragraph 3L(2) or an attached CR form, contingent upon a written
appraisal of the Property by a licensed or certified appraiser at no less than the amount specified in paragraph 3L(2),
without requiring repairs or improvements to the Property. Appraisals are often a reliable source to verify square footage
of the subject Property. However, the ability to cancel based on the measurements provided in an appraisal falls within the
Investigation of Property contingency. The appraisal contingency is solely limited to the value determined by the appraisal.
For any cancellation based upon this appraisal contingency, Buyer shall Deliver a Copy of the written appraisal to Seller,
upon request by Seller.
(2) NO APPRAISAL CONTINGENCY: If "No appraisal contingency" is checked in paragraph 3L(2), then Buyer may not use
the loan contingency specified in paragraph 3L(1) to cancel this Agreement if the sole reason for not obtaining the loan is
that the appraisal relied upon by Buyer's lender values the property at an amount less than that specified in paragraph
3L(2). If Buyer is unable to obtain the loan specified solely for this reason, Seller may be entitled to Buyer's deposit or
other legal remedies.
(3) Fair Appraisal Act: See paragraph 33 for additional information.
C. INVESTIGATION OF PROPERTY: This Agreement is, as specified in paragraph 3L(3), contingent upon Buyer's acceptance
of the condition of, and any other matter affecting, the Property.
D. INSURANCE: This Agreement is, as specified in paragraph 3L(4), contingent upon Buyer's assessment of the availability and
approval of the cost for any insurance policy desired under this Agreement.
E. REVIEW OF SELLER DOCUMENTS: This Agreement is, as specified in paragraph 3L(5), contingent upon Buyer's review
and approval of Seller's documents required in paragraph 17A.
F. TITLE:
(1) This Agreement is, as specified in paragraph 3L(6), contingent upon Buyer's ability to obtain the title policy provided for in
paragraph 16G and on Buyer's review of a current Preliminary Report and items that are disclosed or observable even if
not on record or not specified in the Preliminary Report, and satisfying Buyer regarding the current status of title. Buyer is
advised to review all underlying documents and other matters affecting title, including, but not limited to, any documents or
deeds referenced in the Preliminary Report and any plotted easements.
(2) Buyer has 5 Days after receipt to review a revised Preliminary Report, if any, furnished by the Title Company and cancel
the transaction if the revised Preliminary Report reveals material or substantial deviations from a previously provided
Preliminary Report.
G. CONDOMINIUM/PLANNED DEVELOPMENT DISCLOSURES (IF APPLICABLE): This Agreement is, as specified in
paragraph 3L(7), contingent upon Buyer's review and approval of Common Interest Disclosures required by Civil Code § 4525
and under paragraph 11D (“CI Disclosures”).
H. BUYER REVIEW OF LEASED OR LIENED ITEMS CONTINGENCY: Buyer's review of and ability and willingness to assume
any lease, maintenance agreement or other ongoing financial obligation, or to accept the Property subject to any lien,
disclosed pursuant to paragraph 9B(6), is, as specified in paragraph 3L(8), a contingency of this Agreement. Any assumption
of the lease shall not require any financial obligation or contribution by Seller. Seller, after first Delivering a Notice to Buyer to
Perform, may cancel this Agreement if Buyer, by the time specified in paragraph 3L(8), refuses to enter into any necessary
written agreements to accept responsibility for all obligations of Seller disclosed leased or liened items.
I. REMOVAL OR WAIVER OF CONTINGENCIES WITH OFFER: Buyer shall have no obligation to remove a contractual
contingency unless Seller has provided all required documents, reports, disclosures, and information pertaining to
that contingency. If Buyer does remove a contingency without first receiving all required information from Seller, Buyer is
relinquishing any contractual rights that apply to that contingency. If Buyer removes or waives any contingencies without
an adequate understanding of the Property's condition or Buyer's ability to purchase, Buyer is acting against the
advice of Agent.
CPA REVISED 12/24 (PAGE 5 OF 17) Buyer's Initials / Seller's Initials /
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Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
J. REMOVAL OF CONTINGENCY OR CANCELLATION:
(1) For any contingency specified in paragraph 3L, 8, or elsewhere, Buyer shall, within the applicable period
specified, remove the contingency or cancel this Agreement.
(2) For the contingencies for review of Seller Documents, Preliminary Report, and Condominium/Planned Development
Disclosures, Buyer shall, within the time specified in paragraph 3L or 5 Days after Delivery of the applicable Seller
Documents, Preliminary Report, or CI Disclosures, whichever occurs later, remove the applicable contingency in writing or
cancel this Agreement.
(3) If Buyer does not remove a contingency within the time specified, Seller, after first giving Buyer a Notice to Buyer to
Perform (C.A.R. Form NBP), shall have the right to cancel this Agreement.
K. SALE OF BUYER'S PROPERTY: This Agreement and Buyer's ability to obtain financing are NOT contingent upon the sale of
any property owned by Buyer unless the Sale of Buyer's Property (C.A.R. Form COP) is checked as a contingency of this
Agreement in paragraph 3L(9).
9. ITEMS INCLUDED IN AND EXCLUDED FROM SALE:
A. NOTE TO BUYER AND SELLER: Items listed as included or excluded in the Multiple Listing Service (MLS), flyers, marketing
materials, or disclosures are NOT included in the purchase price or excluded from the sale unless specified in this paragraph
or paragraph 3P or as Otherwise Agreed. Any items included herein are components of the Property and are not intended to
affect the price. All items are transferred without Seller warranty.
B. ITEMS INCLUDED IN SALE:
(1) All EXISTING fixtures and fittings that are attached to the Property;
(2) EXISTING electrical, mechanical, lighting, plumbing and heating fixtures, ceiling fans, fireplace inserts, gas logs and
grates, solar power systems, built-in appliances and appliances for which special openings or encasements have been
made (whether or not included in paragraph 3P), window and door screens, awnings, shutters, window coverings (which
includes blinds, curtains, drapery, shutters or any other materials that cover any portion of the window) and any
associated hardware and rods, attached floor coverings, television antennas, satellite dishes, air coolers/conditioners,
pool/spa equipment (including, but not limited to, any cleaning equipment such as motorized/automatic pool cleaners, pool
heaters, pool nets, pool covers), garage door openers/remote controls, mailbox, in-ground landscaping, water features
and fountains, water softeners, water purifiers, light bulbs (including smart bulbs) and all items specified as included in
paragraph 3P, if currently existing and owned by Seller at the time of Acceptance.
Note: If Seller does not intend to include any item specified as being included above because it is not owned by Seller,
whether placed on the Property by Agent, stager, tenant, or other third party, the item should be listed as being excluded
in paragraph 3P(2) or excluded by Seller in a counter offer.
(3) Security System includes any devices, hardware, software, or control units used to monitor and secure the Property, including
but not limited to, any motion detectors, door or window alarms, and any other equipment utilized for such purpose. If
checked in paragraph 3P, all such items are included in the sale, whether hard wired or not.
(4) Home Automation (Smart Home Features) includes any electronic devices and features including, but not limited to,
thermostat controls, kitchen appliances not otherwise excluded, and lighting systems, that are connected (hard wired or
wirelessly) to a control unit, computer, tablet, phone, or other “smart” device. Any Smart Home devices and features that
are physically affixed to the real property, and also existing light bulbs, are included in the sale. Buyer is advised to use
paragraph 3P(1) or an addendum to address more directly specific items to be included. Seller is advised to use a
counter offer to address more directly any items to be excluded.
(5) Non-Dedicated Devices: All smart home and security system control devices are included in the sale, except for any non-
dedicated personal computer, tablet, or phone used to control such features. Buyer acknowledges that a separate device
and access to wifi or Internet may be required to operate some smart home features and Buyer may have to obtain such
device after Close Of Escrow. Seller shall de-list any devices from any personal accounts and shall cooperate with any
transfer of services to Buyer. Buyer is advised to change all passwords and ensure the security of any smart home features.
(6) LEASED OR LIENED ITEMS AND SYSTEMS: Seller, within the time specified in paragraph 3N(1), shall (i) disclose to
Buyer if any item or system specified in paragraph 3P or 9B or otherwise included in the sale is leased, or not owned by
Seller, or is subject to any maintenance or other ongoing financial obligation, or specifically subject to a lien or other
encumbrance or loan, and (ii) Deliver to Buyer all written materials (such as lease, warranty, financing, etc.) concerning
any such item.
(7) Seller represents that all items included in the purchase price, unless Otherwise Agreed, (i) are owned by Seller and shall
be transferred free and clear of liens and encumbrances, except the items and systems identified pursuant to paragraph
9B(6), and (ii) are transferred without Seller warranty regardless of value. Seller shall cooperate with the identification of
any software or applications and Buyer's efforts to transfer any services needed to operate any Smart Home Features or
other items included in this Agreement, including, but not limited to, utilities or security systems.
(8) A complete inventory of all personal property of Seller currently used in the operation of the Property and included in the
purchase price shall be delivered to Buyer within the time specified in paragraph 3N(1).
(9) Seller shall deliver title to the personal property by Bill of Sale, free of all liens and encumbrances, and without warranty of
condition.
(10) As additional security for any note in favor of Seller for any part of the purchase price, Buyer shall execute a UCC-1
Financing Statement to be filed with the Secretary of State, covering the personal property included in the purchase,
replacement thereof, and insurance proceeds.
C. ITEMS EXCLUDED FROM SALE: Unless Otherwise Agreed, the following items are excluded from sale: (i) All items specified
in paragraph 3P(2); (ii) audio and video components (such as flat screen TVs, speakers and other items) if any such item is
not itself attached to the Property, even if a bracket or other mechanism attached to the component or item is attached to the
Property; (iii) furniture and other items secured to the Property for earthquake or safety purposes. Unless otherwise
specified in paragraph 3P(1), brackets attached to walls, floors or ceilings for any such component, furniture or item
will be removed and holes or other damage shall be repaired, but not painted.
10. ALLOCATION OF COSTS:
A. INSPECTIONS, REPORTS, TESTS, AND CERTIFICATES: Paragraphs 3Q(1), (2), (3), and (4) only determines who is to pay for
the inspection, report, test, certificate or service mentioned; it does not determine who is to pay for any work recommended
or identified in any such document. Agreements for payment of required work should be specified elsewhere in
paragraph 3Q, or 3S, or in a separate agreement (such as C.A.R. Forms RR, RRRR, ADM or AEA). Any reports in these
paragraphs shall be Delivered in the time specified in Paragraph 3N(1).

CPA REVISED 12/24 (PAGE 6 OF 17) Buyer's Initials / Seller's Initials /

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Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
B. GOVERNMENT REQUIREMENTS AND CORRECTIVE OR REMEDIAL ACTIONS:
(1) LEGALLY REQUIRED INSTALLATIONS AND PROPERTY IMPROVEMENTS: Any required installation of smoke alarm
or carbon monoxide device(s) or securing of water heater shall be completed within the time specified in paragraph 3N(4)
and paid by Party specified in paragraph 3Q(4). If Buyer is to pay for these items, Buyer, as instructed by Escrow Holder,
shall deposit funds into escrow or directly to the vendor completing the repair or installation. Prior to Close Of Escrow, Seller
shall Deliver to Buyer written statement(s) of compliance in accordance with any Law, unless Seller is exempt. If Seller is to
pay for these items and does not fulfill Seller's obligation in the time specified, and Buyer incurs costs to comply with lender
requirements concerning those items, Seller shall be responsible for Buyer's costs.
(2) POINT OF SALE REQUIREMENTS:
(A) Point of sale inspections, reports and repairs refer to any such actions required to be completed before or after Close
Of Escrow that are required in order to close under any Law and paid by the Party specified in paragraphs 3Q(6) and
3Q(7) and any such repair, shall be completed prior to final verification of Property, unless Otherwise Agreed. If Buyer
agrees to pay for any portion of such repair, Buyer, shall (i) directly pay to the vendor completing the repair or (ii) provide
an invoice to Escrow Holder, deposit funds into escrow sufficient to pay for Buyer's portion of such repair and request
Escrow Holder pay the vendor completing the repair.
(B) Buyer shall be provided, within the time specified in paragraph 3N(1), unless Parties Otherwise Agree to another
time period, a Copy of any required government-conducted or point-of-sale inspection report prepared pursuant to
this Agreement or in anticipation of this sale of the Property.
(3) REINSPECTION FEES: If any repair in paragraph 10B(1) is not completed within the time specified and the lender
requires an additional inspection to be made, Seller shall be responsible for any corresponding reinspection fee. If Buyer
incurs costs to comply with lender requirements concerning those items, Seller shall be responsible for those costs.
(4) INSTALLATION OF SAFETY FEATURES:
(A) The following installations shall be completed prior to final verification of condition unless Otherwise Agreed: (i)
approved fire extinguisher(s), sprinkler(s), and hose(s), if required by law; and (ii) drain cover and anti-entrapment
device or system meeting the minimum requirements permitted by the U.S. Consumer Products and Safety
Commission for any pool or spa.
(B) If Buyer is to pay for these installations, Buyer, as instructed by Escrow Holder, shall deposit funds into escrow or
directly to the vendor completing the installation.
(5) INFORMATION AND ADVICE ON REQUIREMENTS: Buyer and Seller are advised to seek information from a knowledgeable
source regarding local and State mandates and whether they are point of sale requirements or requirements of ownership.
Agents do not have expertise in this area and cannot ascertain all of the requirements or costs of compliance.
11. SELLER DISCLOSURES
A. WITHHOLDING TAXES: Buyer and Seller hereby instruct Escrow Holder to withhold the applicable required amounts to
comply with federal and California withholding Laws and forward such amounts to the Internal Revenue Service and Franchise
Tax Board, respectively. However, no federal withholding is required if, prior to Close Of Escrow, Seller Delivers (i) to Buyer
and Escrow Holder a fully completed affidavit (C.A.R. Form AS) sufficient to avoid withholding pursuant to federal withholding
Law (FIRPTA); OR (ii) to a qualified substitute (usually a title company or an independent escrow company) a fully completed
affidavit (C.A.R. Form AS) sufficient to avoid withholding pursuant to federal withholding Law AND the qualified substitute
Delivers to Buyer and Escrow Holder an affidavit signed under penalty of perjury (C.A.R. Form QS) that the qualified substitute
has received the fully completed Seller's affidavit and the Seller states that no federal withholding is required; OR (iii) to Buyer
other documentation satisfying the requirements under Internal Revenue Code § 1445 (FIRPTA). No withholding is required
under California Law if, prior to Close Of Escrow, Escrow Holder has received sufficient documentation from Seller that no
withholding is required, and Buyer has been informed by Escrow Holder.
B. NOTICE REGARDING GAS AND HAZARDOUS LIQUID TRANSMISSION PIPELINES: This notice is being provided simply
to inform you that information about the general location of gas and hazardous liquid transmission pipelines is available to the
public via the National Pipeline Mapping System (NPMS) Internet Web site maintained by the United States Department of
Transportation at http://www.npms.phmsa.dot.gov/. To seek further information about possible transmission pipelines near
the Property, you may contact your local gas utility or other pipeline operators in the area. Contact information for pipeline
operators is searchable by ZIP Code and county on the NPMS Internet Website. (Neither Seller nor Agent are required to
check this website. If Buyer wants further information, Agent recommends that Buyer obtain information from this website
during Buyer's investigation contingency period. Agents do not have expertise in this area.)
C. NATURAL AND ENVIRONMENTAL HAZARDS: Seller shall, within the time specified in paragraph 3N(1), if required by Law: (i)
Deliver to Buyer the earthquake guide and environmental hazards booklet, and for all residential property with 1-4 units and any
manufactured or mobile home built before January 1, 1960, fully complete and Deliver the Residential Earthquake Risk Disclosure
Statement; and (ii) even if exempt from the obligation to provide a NHD, disclose if the Property is located in a Special Flood Hazard
Area; Potential Flooding (Inundation) Area; Very High Fire Hazard Zone; State Fire Responsibility Area; Earthquake Fault Zone;
Seismic Hazard Zone; and (iii) disclose any other zone as required by Law and provide any other information required for
those zones.
D. CONDOMINIUM/PLANNED DEVELOPMENT DISCLOSURES:
(1) Seller shall, within the time specified in paragraph 3N(1), disclose to Buyer whether the Property is a condominium or is
located in a planned development, other common interest development, or otherwise subject to covenants, conditions,
and restrictions (C.A.R. Form CSPQ).
(2) If the Property is a condominium or is located in a planned development or other common interest development with a
HOA, Seller shall, within the time specified in paragraph 3N(3), order from, and pay any required fee as specified in
paragraph 3Q(13) for the following items to the HOA (C.A.R. Form HOA-IR): (i) Copies of any documents required by
Law (C.A.R. Form HOA-RS); (ii) disclosure of any pending or anticipated claim or litigation by or against the HOA; (iii) a
statement containing the location and number of designated parking and storage spaces; (iv) Copies of the most recent
12 months of HOA minutes for regular and special meetings; (v) the names and contact information of all HOAs governing
the Property; (vi) pet restrictions; and (vii) smoking restrictions (“CI Disclosures”). Seller shall itemize and Deliver to Buyer
all CI Disclosures received from the HOA and any CI Disclosures in Seller's possession. Seller shall, as directed by
Escrow Holder, deposit funds into escrow or direct to HOA or management company to pay for any of the above.
E. SOLAR POWER SYSTEMS: For properties with any solar panels or solar power systems, Seller shall, within the time
specified in paragraph 3N(1), Deliver to Buyer all known information about the solar panels or solar system. Seller shall use
the Solar Advisory and Questionnaire (C.A.R. Form SOLAR).

CPA REVISED 12/24 (PAGE 7 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 7 OF 17)
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Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
F. WATER CONSERVING PLUMBING DEVICES: Civil Code § 1101.5 requires all multi-family residential and commercial real
property be equipped with water-conserving plumbing devices. Seller shall, within the time specified in paragraph 3N(1),
disclose in writing whether the property includes any noncompliant plumbing fixtures. Seller may use C.A.R. Form SPQ or
ESD. See C.A.R. Form WCMD for more information.
G. SURVEY, PLANS, AND ENGINEERING DOCUMENTS: Seller, within the time specified in paragraph 3N(1), shall provide to Buyer,
Copies of surveys, plans, specifications, and engineering documents, if any, prepared on Seller's behalf on in Seller's possession.
H. PERMITS: Seller, within the time specified in paragraph 3N(1), shall provide to Buyer, if in Seller's possession, copies of all
permits and approvals, certificates of occupancy, conditional use permits, development plans, and licenses and permits
pertaining to the operation of the Property.
I. STRUCTURAL MODIFICATIONS: Seller, within the time specified in paragraph 3N(1), shall in writing disclose to Buyer,
known structural additions or alterations to, or the installation, alteration, repair or replacement of, significant components of
the structure(s) upon the Property.
J. GOVERNMENTAL COMPLIANCE: Within the time specified in paragraph 3N(1),
(1) Seller shall disclose to Buyer any improvements, additions, alterations, or repairs to the Property made by Seller, or
known to Seller to have been made, without required governmental permits, final inspections, and approvals
(2) Seller shall disclose to Buyer if Seller has actual knowledge of any notice of violations of Law filed or issued against the
Property.
K. VIOLATION NOTICES: Within the time specified in paragraph 3N(1), Seller shall disclose any notice of violations of any Law
filed or issued against the Property and actually known to Seller
L. BALCONIES, EXTERIOR STAIRWAYS AND OTHER ELEVATED ELEMENTS: For properties with any building containing 3
or more dwelling units with elevated balconies, stairways or other elements, Seller shall, within the time specified in paragraph
3N(1), Deliver to Buyer the Wooden Balcony and Stairs Addendum (C.A.R. Form WBSA) and comply with its terms.
M. KNOWN MATERIAL FACTS: Seller shall, within the time specified in paragraph 3N(1), DISCLOSE KNOWN MATERIAL
FACTS AND DEFECTS affecting the Property, including, but not limited to, known insurance claims within the past five years,
or provide Buyer with permission to contact insurer to get such information (C.A.R. Form ARC), and make any and all other
disclosures required by Law.
N. COMMERCIAL SELLER PROPERTY QUESTIONNAIRE: Seller shall, within the time specified in paragraph 3N(1), complete
and provide Buyer with a Commercial Seller Property Questionnaire (C.A.R. Form CSPQ).
O. SUBSEQUENT DISCLOSURES: In the event Seller, prior to Close Of Escrow, becomes aware of adverse conditions materially
affecting the Property, or any material inaccuracy in disclosures, information, or representations previously provided to Buyer,
Seller shall promptly Deliver a subsequent or amended disclosure or notice, in writing, covering those items. However, a
subsequent or amended disclosure shall not be required for conditions and material inaccuracies of which Buyer is
otherwise aware or which are disclosed in reports provided to or obtained by Buyer or ordered and paid for by Buyer.
12. TENANCY RELATED DISCLOSURES: Within the time specified in paragraph 3N(1), and subject to Buyer's right of review, Seller
shall disclose, make available or Deliver, as applicable, to Buyer, the following information:
A. RENTAL/SERVICE AGREEMENTS: (i) All current leases, rental agreements, service contracts, and other agreements pertaining
to the operation of the Property; (ii) A rental statement including names of tenants, rental rates, period or rental, date of last rent
increase, security deposits, rental concessions, rebates or other benefits, if any, and a list of delinquent rents and their duration.
Seller represents that no tenant is entitled to any rebate, concession, or other benefit, except as set forth in these documents.
Seller represents that the documents to be furnished are those maintained in the ordinary and normal course of business.
B. INCOME AND EXPENSE STATEMENTS: If checked in paragraph 3R, the books and records for the Property, if any,
including a statement of income and expense for the 12 months preceding Acceptance. Seller represents that the books and
records are those maintained in the ordinary and normal course of business and used by Seller in the computation of federal
and state income tax returns.
C. TENANT ESTOPPEL CERTIFICATES: If checked in paragraph 3R, Tenant Estoppel Certificates (C.A.R. Form TEC). Tenant
Estoppel Certificates shall be completed by Seller or Seller's agent and delivered to tenant(s) for tenant(s) to sign and
acknowledge: (i) that tenant(s)' rental or lease agreements are unmodified and in full force and effect, (or if modified, stating all
such modifications); (ii) that no lessor defaults exist; and (iii) stating the amount of any prepaid rent or security deposit. Seller
shall exercise good faith to obtain tenant(s)' signature(s), but Seller cannot guarantee tenant(s)' cooperation. In the event
Seller cannot obtain signed Tenant Estoppel Certificates within the time specified above, Seller shall notify Buyer and provide
the unsigned one that was provided to tenant(s). If, after the time specified for Seller to Deliver the TEC to Buyer, any tenant(s)
sign and return a TEC to Seller, Seller shall Deliver that TEC to Buyer.
D. SELLER REPRESENTATIONS: Unless otherwise disclosed under paragraph 11, paragraph 12, or under any disclosure
Delivered to Buyer:
(1) Seller represents that Seller has no actual knowledge that any tenant(s): (i) has any current pending lawsuit(s),
investigation(s), Inquiry(ies), action(s), or other proceeding(s) affecting the Property of the right to use and occupy it; (ii)
has any unsatisfied mechanics or materialman lien(s) affecting the Property; and (iii) is the subject of a bankruptcy. If
Seller receives any such notice, prior to Close Of Escrow, Seller shall immediately notify Buyer.
(2) Seller represents that no tenant is entitled to any rebate, concessions, or other benefit, except as set forth in the rental
service agreements.
(3) Seller represents that the documents to be furnished are those maintained in the ordinary and normal course of business and
the income and expense statements are and used by Seller in the computation of federal and state income tax returns.
13. CHANGES DURING ESCROW:
A. Prior to Close Of Escrow, Seller may engage in the following acts (“Proposed Changes”), subject to Buyer's rights in paragraph
13B: (i) rent or lease any vacant unit or other part of the premises; (ii) alter, modify, or extend any existing rental or lease agreement;
(iii) enter into, alter, modify, or extend any service contract(s); or (iv) change the status of the condition of the Property.
B. (1) At least 7 Days prior to any Proposed Changes, Seller shall Deliver written notice to Buyer of such Proposed Change.
(2) Within 5 Days after receipt of such notice, Buyer, in writing, may give Seller notice of Buyer's objection to the Proposed
Changes in which case Seller shall not make the Proposed Changes.
14. SECURITY DEPOSITS AND UNEARNED RENT: Security deposits, if any, to the extent they have not been applied by Seller in
accordance with any rental agreement and current Law, and all prepaid but unearned rents, if any, shall be transferred to Buyer on
Close Of Escrow. Seller shall notify each tenant regarding the security deposit, in compliance with the California Civil Code.
15. BUYER'S INVESTIGATION OF PROPERTY AND MATTERS AFFECTING PROPERTY:
A. Buyer shall, within the time specified in paragraph 3L(3), have the right, at Buyer's expense unless Otherwise Agreed, to
conduct inspections, investigations, tests, surveys and other studies (“Buyer Investigations”).

CPA REVISED 12/24 (PAGE 8 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 8 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
B. Buyer Investigations include, but are not limited to:
(1) Inspections regarding any physical attributes of the Property or items connected to the Property, such as:
(A) A general inspection.
(B) An inspection for lead-based paint and other lead-based paint hazards.
(C) An inspection specifically for wood destroying pests and organisms. Any inspection for wood destroying pests and
organisms shall be prepared by a registered Structural Pest Control company; shall cover the main building and
attached structures; may cover detached structures; shall NOT include water tests of shower pans on upper level
units unless the owners of property below the shower consent; shall NOT include roof coverings; and, if the Property
is a unit in a condominium or other common interest subdivision, the inspection shall include only the separate
interest and any exclusive-use areas being transferred, and shall NOT include common areas; and shall include a
report (“Pest Control Report”) showing the findings of the company which shall be separated into sections for evident
infestation or infections (Section 1) and for conditions likely to lead to infestation or infection (Section 2).
(D) A phase one environmental survey, paid for and obtained by the party indicated in paragraph 3Q(2). If Buyer is
responsible for obtaining and paying for the survey, Buyer shall act diligently and in good faith to obtain such survey
within the time specified in paragraph 3L(3). Buyer has 5 Days after receiving the survey to remove this portion of
the Buyer's Investigation contingency.
(2) Investigations of any other matter affecting the Property, other than those that are specified as separate contingencies.
Buyer Investigations do not include, among other things, an assessment of the availability and cost of general homeowner's
insurance, flood insurance, and fire insurance. See, Buyer's Investigation Advisory (C.A.R. Form BIA) for more.
C. Without Seller's prior written consent, Buyer shall neither make nor cause to be made: (i) invasive or destructive Buyer
Investigations, except for minimally invasive testing required to prepare a Pest Control Report, which shall not include any
holes or drilling through stucco or similar material; or (ii) inspections by any governmental building or zoning inspector or
government employee, unless required by Law.
D. Seller shall make the Property available for all Buyer Investigations. Seller is not obligated to move any existing personal property.
Seller shall have water, gas, electricity and all operable pilot lights on for Buyer's Investigations and through the date possession is
delivered to Buyer. Buyer shall, (i) by the time specified in paragraph 3L(3), complete Buyer Investigations and satisfy themselves
as to the condition of the Property, and either remove the contingency or cancel this Agreement, and (ii) by the time specified
in paragraph 3L(3) or 3 Days after receipt of any Investigation report, whichever is later, give Seller at no cost, complete
Copies of all such reports obtained by Buyer, which obligation shall survive the termination of this Agreement. This Delivery of
Investigation reports shall not include any appraisal.
E. Buyer indemnity and Seller protection for entry upon the Property: Buyer shall: (i) keep the Property free and clear of
liens; (ii) repair all damage arising from Buyer Investigations; and (iii) indemnify and hold Seller harmless from all resulting
liability, claims, demands, damages and costs. Buyer shall carry, or Buyer shall require anyone acting on Buyer's behalf to
carry, policies of liability, workers' compensation and other applicable insurance, defending and protecting Seller from liability
for any injuries to persons or property occurring during any Buyer Investigations or work done on the Property at Buyer's
direction prior to Close Of Escrow. Seller is advised that certain protections may be afforded Seller by recording a “Notice of
Non-Responsibility” (C.A.R. Form NNR) for Buyer Investigations and work done on the Property at Buyer's direction. Buyer's
obligations under this paragraph shall survive the termination of this Agreement.
16. TITLE AND VESTING:
A. Buyer shall, within the time specified in paragraph 3N(1), be provided a current Preliminary Report by the person responsible
for paying for the title report in paragraph 3Q(9). If Buyer is responsible for paying, Buyer shall act diligently and in good faith
to obtain such Preliminary Report within the time specified. The Preliminary Report is only an offer by the title insurer to issue a
policy of title insurance and may not contain every item affecting title. The company providing the Preliminary Report shall,
prior to issuing a Preliminary Report, conduct a search of the General Index for all Sellers except banks or other institutional
lenders selling properties they acquired through foreclosure (REOs), corporations, and government entities.
B. Title is taken in its present condition subject to all encumbrances, easements, covenants, conditions, restrictions, rights and
other matters, whether of record or not, as of the date of Acceptance except for: (i) monetary liens of record unless Buyer is
assuming those obligations or taking the Property subject to those obligations; and (ii) those matters which Seller has agreed
to remove in writing. For any lien or matter not being transferred upon sale, Seller will take necessary action to deliver title free
and clear of such lien or matter.
C. Seller shall within 7 Days after request, give Escrow Holder necessary information to clear title.
D. Seller shall, within the time specified in paragraph 3N(1), disclose to Buyer all matters known to Seller affecting title, whether
of record or not.
E. If Buyer is a legal entity and the Property purchase price is at least $300,000 and the purchase price is made without a bank
loan or similar form of external financing, a Geographic Targeting Order (GTO) issued by the Financial Crimes Enforcement
Network, U.S. Department of the Treasury, requires title companies to collect and report certain information about the Buyer,
depending on where the Property is located. Buyer agrees to cooperate with the title company's effort to comply with the GTO.
F. Buyer shall, after Close Of Escrow, receive a recorded grant deed or any other conveyance document required to convey title
(For example, for stock cooperative or tenancy in common, respectively, an assignment of stock certificate or assignment of
seller's interest in the real property), including oil, mineral and water rights if currently owned by Seller. Title shall vest as
designated in Buyer's vesting instructions. The recording document shall contain Buyer's post-closing mailing address to
enable Buyer's receipt of the recorded conveyance document from the County Recorder. THE MANNER OF TAKING TITLE
MAY HAVE SIGNIFICANT LEGAL AND TAX CONSEQUENCES. CONSULT AN APPROPRIATE PROFESSIONAL.
G. Buyer shall receive a Standard Coverage Owner's CLTA policy of title insurance. An ALTA policy or the addition of endorsements
may provide greater coverage for Buyer. A title company, at Buyer's request, can provide information about the availability,
desirability, coverage, and cost of various title insurance coverages and endorsements. If Buyer desires title coverage other
than that required by this paragraph, Buyer shall instruct Escrow Holder in writing and shall pay any increase in cost.
17. TIME PERIODS; REMOVAL OF CONTINGENCIES; CANCELLATION RIGHTS: The following time periods may only be
extended, altered, modified or changed by mutual written agreement. Any removal of contingencies or cancellation under
this paragraph by either Buyer or Seller must be exercised in good faith and in writing (C.A.R. Form CR-B, CR-S or CC).
A. SELLER DELIVERY OF DOCUMENTS: Seller shall, within the time specified in paragraph 3N(1), Deliver to Buyer all reports,
disclosures and information ("Reports") for which Seller is responsible as specified in paragraphs 9B(6), 9B(8), 10, 11A,
11C-N, 12, 16A, 16D, and 36.
B. BUYER REVIEW OF DOCUMENTS; REPAIR REQUEST; CONTINGENCY REMOVAL OR CANCELLATION
(1) Buyer has the time specified in paragraph 3 to perform Buyer Investigations; review all disclosures, Reports, lease
documents to be assumed by Buyer pursuant to paragraph 9B(6), and other applicable information, which Buyer receives
from Seller; and approve all matters affecting the Property.
CPA REVISED 12/24 (PAGE 9 OF 17) Buyer's Initials / Seller's Initials /
COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 9 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
(2) Buyer may, within the time specified in paragraph 3L(3), request that Seller make repairs or take any other action
regarding the Property (C.A.R. Form RR). Seller has no obligation to agree to or respond to Buyer's requests (C.A.R.
Form RR or RRRR). If Seller does not agree or does not respond, Buyer is not contractually entitled to have the repairs or
other requests made and may only cancel based on contingencies in this Agreement.
(3) Buyer shall, by the end of the times specified in paragraph 3L (or as Otherwise Agreed), Deliver to Seller a removal of
the applicable contingency or cancellation of this Agreement (C.A.R. Form CR-B or CC). Buyer is advised not to remove
contingencies related to review of documents until after the documents have been Delivered. If Delivery of any Report occurs
after a contractual contingency pertaining to that Report has already been waived or removed, the Delivery of the Report does
not revive the contingency.
(4) Continuation of Contingency: Even after the end of the time specified in paragraph 3L and before Seller cancels, if at
all, pursuant to paragraph 17C, Buyer retains the right, in writing, to either (i) remove remaining contingencies, or (ii)
cancel this Agreement based on a remaining contingency. Once Buyer's written removal of all contingencies is Delivered
to Seller, Seller may not cancel this Agreement pursuant to paragraph 17C(1).
C. SELLER RIGHT TO CANCEL:
(1) SELLER RIGHT TO CANCEL; BUYER CONTINGENCIES: If, by the time specified in this Agreement, Buyer does not
Deliver to Seller a removal of the applicable contingency or cancellation of this Agreement, then Seller, after first
Delivering to Buyer a Notice to Buyer to Perform (C.A.R. Form NBP), may cancel this Agreement. In such event, Seller
shall authorize the return of Buyer's deposit, except for fees incurred by Buyer.
(2) SELLER RIGHT TO CANCEL; BUYER CONTRACT OBLIGATIONS: Seller, after first Delivering to Buyer a Notice to Buyer
to Perform, may cancel this Agreement if, by the time specified in this Agreement, Buyer does not take the following action(s):
(i) Deposit funds as required by paragraph 3D(1) or 3D(2) or if the funds deposited pursuant to paragraph 3D(1) or 3D(2)
are not good when deposited; (ii) Deliver updated contact information for Buyer's lender(s) as required by paragraph 5C(3);
(iii) Deliver verification, or a satisfactory verification if Seller reasonably disapproves of the verification already provided, as
required by paragraph 5B or 6A; (iv) Deliver a letter as required by paragraph 6B; (v) In writing assume or accept leases
or liens specified in paragraph 8H; (vi) Cooperate with the title company's effort to comply with the GTO as required by
paragraph 16E; (vii) Sign or initial a separate liquidated damages form for an increased deposit as required by paragraph
37; (viii) Provide evidence of authority to Sign in a representative capacity as specified in paragraph 36; or (ix) Perform
any additional Buyer contractual obligation(s) included in this Agreement. In such event, Seller shall authorize the return of
Buyer's deposit, except for fees allocated to Seller in this Agreement and already paid by Escrow prior to cancellation of this
Agreement and notification to Escrow.
(3) SELLER RIGHT TO CANCEL; SELLER CONTINGENCIES: Seller may cancel this Agreement by good faith exercise of
any Seller contingency included in this Agreement, or Otherwise Agreed, so long as that contingency has not already
been removed or waived in writing.
D. BUYER RIGHT TO CANCEL:
(1) BUYER RIGHT TO CANCEL; SELLER CONTINGENCIES: If, by the time specified in this Agreement, Seller does not
Deliver to Buyer a removal of the applicable contingency or cancellation of this Agreement, then Buyer, after first
Delivering to Seller a Notice to Seller to Perform (C.A.R. Form NSP), may cancel this Agreement. In such event, Seller
shall authorize the return of Buyer's deposit, except for fees allocated to Seller in the Agreement and already paid by
Escrow prior to cancellation of this Agreement and notification to Escrow.
(2) BUYER RIGHT TO CANCEL; SELLER CONTRACT OBLIGATIONS: If, by the time specified, Seller has not Delivered any
item specified in paragraph 3N(1) or Seller has not performed any Seller contractual obligation included in this Agreement
by the time specified, Buyer, after first Delivering to Seller a Notice to Seller to Perform, may cancel this Agreement.
(3) BUYER RIGHT TO CANCEL; BUYER CONTINGENCIES: Buyer may cancel this Agreement by good faith exercise of
any Buyer contingency included in paragraph 8, or Otherwise Agreed, so long as that contingency has not already been
removed in writing.
E. NOTICE TO BUYER OR SELLER TO PERFORM: The Notice to Buyer to Perform or Notice to Seller to Perform shall: (i) be in
writing; (ii) be Signed by the applicable Buyer or Seller; and (iii) give the other Party at least 2 Days after Delivery (or until the
time specified in the applicable paragraph, whichever occurs last) to take the applicable action. A Notice to Buyer to Perform or
Notice to Seller to Perform may not be Delivered any earlier than 2 Days prior to the Scheduled Performance Day to remove a
contingency or cancel this Agreement or meet an obligation specified in paragraph 17, except for Close of Escrow which shall
be Delivered under the terms of paragraph 17G, whether or not the Scheduled Performance Day falls on a Saturday, or Sunday
or legal holiday. If a Notice to Buyer to Perform or Notice to Seller to Perform is incorrectly Delivered or specifies a time less than
the agreed time, the notice shall be deemed invalid and void. However, if the notice is for multiple items, the notice shall be valid
for all contingencies and contractual actions for which the Delivery of the notice is within the time permitted in the Agreement and
void as to the others. Seller or Buyer shall be required to Deliver a new Notice to Buyer to Perform or Notice to Seller to Perform
with the specified timeframe.
F. EFFECT OF REMOVAL OF CONTINGENCIES:
(1) REMOVAL OF BUYER CONTINGENCIES: If Buyer removes any contingency or cancellation rights, unless Otherwise
Agreed, Buyer shall conclusively be deemed to have: (i) completed all Buyer Investigations, and review of Reports and
other applicable information and disclosures pertaining to that contingency or cancellation right; (ii) elected to proceed
with the transaction; and (iii) assumed all liability, responsibility and expense for the non-delivery of any Reports,
disclosures or information outside of Seller's control and for any Repairs or corrections pertaining to that contingency or
cancellation right, or for the inability to obtain financing.
(2) REMOVAL OF SELLER CONTINGENCIES: If Seller removes any contingency or cancellation rights, unless Otherwise
Agreed, Seller shall conclusively be deemed to have: (i) satisfied themselves regarding such contingency, (ii) elected to
proceed with the transaction; and (iii) given up any right to cancel this Agreement based on such contingency.
G. DEMAND TO CLOSE ESCROW: Before Buyer or Seller may cancel this Agreement for failure of the other Party to close
escrow pursuant to this Agreement, Buyer or Seller must first Deliver to the other Party a Demand to Close Escrow (C.A.R.
Form DCE). The DCE shall: (i) be Signed by the applicable Buyer or Seller; and (ii) give the other Party at least 3 Days after
Delivery to close escrow. A DCE may not be Delivered any earlier than 3 Days prior to the Scheduled Performance Day for the
Close Of Escrow. If a DCE is incorrectly Delivered or specifies a time less than the agreed time, the DCE shall be deemed
invalid and void and Seller or Buyer shall be required to Deliver a new DCE.

CPA REVISED 12/24 (PAGE 10 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 10 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
H. EFFECT OF CANCELLATION ON DEPOSITS: If Buyer or Seller gives written notice of cancellation pursuant to rights duly
exercised under the terms of this Agreement, the Parties agree to Sign and Deliver mutual instructions to cancel the sale and
escrow and release deposits, if any, to the Party entitled to the funds, less (i) fees and costs paid by Escrow Holder on behalf
of that Party, if required by this Agreement; and (ii) any escrow fee charged to that party. Fees and costs may be payable to
service providers and vendors for services and products provided during escrow. A release of funds will require mutual
Signed release instructions from the Parties, judicial decision or arbitration award. A Party may be subject to a civil
penalty of up to $1,000 for refusal to Sign cancellation instructions if no good faith dispute exists as to which Party is
entitled to the deposited funds (Civil Code § 1057.3). Note: Neither Agents nor Escrow Holder are qualified to provide
any opinion on whether either Party has acted in good faith or which Party is entitled to the deposited funds. Buyer
and Seller are advised to seek the advice of a qualified California real estate attorney regarding this matter.
18. REPAIRS: Repairs shall be completed prior to final verification of condition unless Otherwise Agreed. Repairs to be performed at
Seller's expense may be performed by Seller or through others, provided that the work complies with applicable Law, including
governmental permit, inspection and approval requirements. Repairs shall be performed in a good, skillful manner with materials of
quality and appearance comparable to existing materials. Buyer acknowledges that exact restoration of appearance or cosmetic
items following all Repairs may not be possible. Seller shall: (i) obtain invoices and paid receipts for Repairs performed by others;
(ii) prepare a written statement indicating the Repairs performed by Seller and the date of such Repairs; and (iii) provide Copies of
invoices and paid receipts and statements to Buyer prior to final verification of condition.
19. FINAL VERIFICATION OF CONDITION: Buyer shall have the right to make a final verification of the Property condition within the
time specified in paragraph 3J, NOT AS A CONTINGENCY OF THE SALE, but solely to confirm: (i) the Property is maintained
pursuant to paragraph 7B; (ii) Repairs have been completed as agreed; and (iii) Seller has complied with Seller's other obligations
under this Agreement (C.A.R. Form VP).
20. PRORATIONS OF PROPERTY TAXES AND OTHER ITEMS: Unless Otherwise Agreed, the following items shall be PAID CURRENT
and prorated between Buyer and Seller as of Close Of Escrow: real property taxes and assessments, interest, Seller rental payments,
HOA regular assessments due prior to Close Of Escrow, premiums on insurance assumed by Buyer, payments on bonds and
assessments assumed by Buyer, and payments on Mello-Roos and other Special Assessment District bonds and assessments that
are now a lien. Seller shall pay any HOA special or emergency assessments due prior to Close Of Escrow. The following items
shall be assumed by Buyer WITHOUT CREDIT toward the purchase price: prorated payments on Mello-Roos and other Special
Assessment District bonds and assessments and HOA special or emergency assessments that are due after Close Of Escrow. Property
will be reassessed upon change of ownership. Any supplemental tax bills delivered to Escrow Holder prior to closing shall be prorated
and paid as follows: (i) for periods after Close Of Escrow, by Buyer; and (ii) for periods prior to Close Of Escrow, by Seller (see C.A.R.
Form SPT or SBSA for further information). Seller agrees all service fees, maintenance costs and utility bills will be paid current up and
through the date of Close Of Escrow. TAX BILLS AND UTILITY BILLS ISSUED AFTER CLOSE OF ESCROW SHALL BE HANDLED
DIRECTLY BETWEEN BUYER AND SELLER. Prorations shall be made based on a 30-day month.
21. BROKERS AND AGENTS:
A. COMPENSATION:
(1) Timing of Broker Compensation: Seller or Buyer, or both, as applicable, agree to pay compensation to Broker as specified
in a separate written agreement between Broker and that Seller or Buyer. Compensation is payable upon Close Of Escrow,
or if escrow does not close, as otherwise specified in the agreement between Broker and that Seller or Buyer.
(2) Buyer Representation; Seller Payment to Compensate Buyer's Broker: Buyer affirmatively represents that Buyer, at the
time this offer is made, has a written agreement with Buyer's Broker that: (i) is valid; (ii) covers the Property; and (iii) provides
for compensation for no less than the amount stated in paragraph 3G(3). If any representation (i)-(iii) is not true, then Seller
has no obligation to pay Buyer's Broker. The amount of compensation, if a percentage, will be based on the final purchase
price. Buyer's obligation to pay Buyer's Broker shall be offset by any amount that Seller pays Buyer's Broker
(3) Third party beneficiary: Seller acknowledges and agrees that Buyer's Broker is a third-party beneficiary of this agreement
and may pursue Seller for failure to pay the amount specified in this document.
B. SCOPE OF DUTY: Buyer and Seller acknowledge and agree that Agent: (i) Does not decide what price Buyer should pay or
Seller should accept; (ii) Does not guarantee the condition of the Property; (iii) Does not guarantee the performance, adequacy or
completeness of inspections, services, products or repairs provided or made by Seller or others; (iv) Does not have an obligation
to conduct an inspection of common areas or areas off the site of the Property; (v) Shall not be responsible for identifying defects
on the Property, in common areas, or offsite unless such defects are visually observable by an inspection of reasonably accessible
areas of the Property or are known to Agent; (vi) Shall not be responsible for inspecting public records or permits concerning the
title or use of Property; (vii) Shall not be responsible for identifying the location of boundary lines or other items affecting title; (viii)
Shall not be responsible for verifying square footage, representations of others or information contained in Investigation reports,
Multiple Listing Service, advertisements, flyers or other promotional material; (ix) Shall not be responsible for determining the fair
market value of the Property or any personal property included in the sale; (x) Shall not be responsible for providing legal or tax
advice regarding any aspect of a transaction entered into by Buyer or Seller; and (xi) Shall not be responsible for providing other
advice or information that exceeds the knowledge, education and experience required to perform real estate licensed activity.
Buyer and Seller agree to seek legal, tax, insurance, title and other desired assistance from appropriate professionals.
22. JOINT ESCROW INSTRUCTIONS TO ESCROW HOLDER:
A. ESCROW INSTRUCTION PARAGRAPHS: The following paragraphs, or applicable portions thereof, of this Agreement
constitute the joint escrow instructions of Buyer and Seller to Escrow Holder, which Escrow Holder is to use along with any
related counter offers and addenda, and any additional mutual instructions to close the escrow: paragraphs 1, 3A, 3B, 3D-G,
3N(2), 3Q, 3S, 4A, 4B, 5A(1-2) 5D, 5E, 10B(2)(A), 10B(3), 10B(4)(B), 11A, 11D(2), 16 (except 16D), 17H, 20, 21A, 22, 26, 32,
35, 36, 40, and 41. If a Copy of the separate compensation agreement(s) provided for in paragraph 21A is deposited with
Escrow Holder by Agent, Escrow Holder shall accept such agreement(s) and pay out from Buyer's or Seller's funds, or both, as
applicable, the Broker's compensation provided for in such agreement(s). The terms and conditions of this Agreement not set
forth in the specified paragraphs are additional matters for the information of Escrow Holder, but about which Escrow Holder
need not be concerned.
B. ESCROW HOLDER GENERAL PROVISIONS: Buyer and Seller will receive Escrow Holder's general provisions, if any,
directly from Escrow Holder. To the extent the general provisions are inconsistent or conflict with this Agreement, the general
provisions will control as to the duties and obligations of Escrow Holder only. Buyer and Seller shall Sign and return Escrow
Holder's general provisions or supplemental instructions within the time specified in paragraph 3N(2). Buyer and Seller shall
execute additional instructions, documents and forms provided by Escrow Holder that are reasonably necessary to close the
escrow and, as directed by Escrow Holder, within 3 Days, shall pay to Escrow Holder or HOA or HOA management company
or others any fee required by paragraphs 3, 8, 10, 11, or elsewhere in this Agreement.

CPA REVISED 12/24 (PAGE 11 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 11 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
C. COPIES; STATEMENT OF INFORMATION; TAX WITHHOLDING INSTRUCTIONS: A Copy of this Agreement including any
counter offer(s) and addenda shall be delivered to Escrow Holder within 3 Days after Acceptance. Buyer and Seller authorize
Escrow Holder to accept and rely on Copies and Signatures as defined in this Agreement as originals, to open escrow and for
other purposes of escrow. The validity of this Agreement as between Buyer and Seller is not affected by whether or when
Escrow Holder Signs this Agreement. Escrow Holder shall provide Seller's Statement of Information to Title Company when
received from Seller, if a separate company is providing title insurance. If Seller delivers an affidavit to Escrow Holder to satisfy
Seller's FIRPTA obligation under paragraph 11A, Escrow Holder shall deliver to Buyer, Buyer's Agent, and Seller's Agent a
Qualified Substitute statement that complies with federal Law. If Escrow Holder's Qualified Substitute statement does not
comply with federal law, the Parties instruct escrow to withhold all applicable required amounts under paragraph 11A.
D. BROKER COMPENSATION:
(1) Payment: Agents are not a party to the escrow except for the sole purpose of receiving compensation pursuant to paragraph
21A. If a Copy of the separate compensation agreement(s) is deposited with Escrow Holder by Agent, Escrow Holder shall
accept such agreement(s) and pay out from Buyer's or Seller's funds, or both, as applicable, the Broker's compensation
provided for in such agreement(s). Buyer and Seller irrevocably assign to Brokers compensation specified in paragraph
21A, and irrevocably instruct Escrow Holder to disburse those funds to Brokers at Close Of Escrow or pursuant to any other
mutually executed cancellation agreement. Compensation instructions can be amended or revoked only with the written
consent of Brokers. Buyer and Seller shall release and hold harmless Escrow Holder from any liability resulting from Escrow
Holder's payment to Broker(s) of compensation pursuant to this Agreement.
(2) Compensation Disclosure: Escrow Holder shall provide to Buyer a closing statement or other written documentation
disclosing the amount of compensation paid to Buyer's Broker. Escrow Holder shall provide to Seller a closing statement or
other written documentation disclosing: (i) the amount of compensation paid to Seller's Broker; and (ii) if applicable pursuant
to paragraph 3G(3) or other mutual instruction of the parties, the amount paid by Seller for Buyer's Broker compensation.
Escrow Holder's obligation pursuant to paragraph 22D, is not intended to alter any preexisting practice of Escrow Holder
to issue, as applicable, joint or separate closing statements. Escrow Holder's obligation pursuant to paragraph 22D is
independent of, but may be satisfied by, any closing statement mandated by Buyer's lender.
E. INVOICES: Buyer and Seller acknowledge that Escrow Holder may require invoices for expenses under this Agreement.
Buyer and Seller, upon request by Escrow Holder, within 3 Days or within a sufficient time to close escrow, whichever is
sooner, shall provide any such invoices to Escrow Holder.
F. VERIFICATION OF DEPOSIT: Upon receipt, Escrow Holder shall provide Buyer, Seller, and each Agent verification of Buyer's
deposit of funds pursuant to paragraph 5A(1) and C.A.R. Form IDA. Once Escrow Holder becomes aware of any of the
following, Escrow Holder shall immediately notify each Agent: (i) if Buyer's initial or any additional deposit or down payment is
not made pursuant to this Agreement, or is not good at time of deposit with Escrow Holder; or (ii) if Buyer and Seller instruct
Escrow Holder to cancel escrow.
G. DELIVERY OF AMENDMENTS: A Copy of any amendment that affects any paragraph of this Agreement for which Escrow
Holder is responsible shall be delivered to Escrow Holder within 3 Days after mutual execution of the amendment.
23. SELECTION OF SERVICE PROVIDERS: Agents do not guarantee the performance of any vendors, service or product providers
(“Providers”), whether referred by Agent or selected by Buyer, Seller or other person. Buyer and Seller may select ANY Providers
of their own choosing.
24. MULTIPLE LISTING SERVICE (“MLS”): Agents are authorized to report to the MLS that an offer has been accepted and, upon
Close Of Escrow, the sales price and other terms of this transaction shall be provided to the MLS to be published and disseminated
to persons and entities authorized to use the information on terms approved by the MLS. Buyer acknowledges that: (i) any pictures,
videos, floor plans (collectively, “Images”) or other information about the Property that has been or will be inputted into the MLS or
internet portals, or both, at the instruction of Seller or in compliance with MLS rules, will not be removed after Close Of Escrow; (ii)
California Civil Code § 1088(c) requires the MLS to maintain such Images and information for at least three years and as a result
they may be displayed or circulated on the Internet, which cannot be controlled or removed by Seller or Agents; and (iii) Seller,
Seller's Agent, Buyer's Agent, and MLS have no obligation or ability to remove such Images or information from the Internet.
25. ATTORNEY FEES AND COSTS: In any action, proceeding, or arbitration between Buyer and Seller arising out of this Agreement,
the prevailing Buyer or Seller shall be entitled to reasonable attorney fees and costs from the non-prevailing Buyer or Seller, except
as provided in paragraph 38A.
26. ASSIGNMENT/NOMINATION: Buyer shall have the right to assign all of Buyer's interest in this Agreement to Buyer's own trust or
to any wholly owned entity of Buyer that is in existence at the time of such assignment. Otherwise, Buyer shall not assign all or any
part of Buyer's interest in this Agreement without first having obtained the separate written consent of Seller to a specified
assignee. Such consent shall not be unreasonably withheld. Prior to any assignment, Buyer shall disclose to Seller the name of the
assignee and the amount of any monetary consideration between Buyer and assignee. Buyer shall provide assignee with all
documents related to this Agreement including, but not limited to, the Agreement and any disclosures. If assignee is a wholly
owned entity or trust of Buyer, that assignee does not need to re-sign or initial all documents provided. Whether or not an
assignment requires seller's consent, at the time of assignment, assignee shall deliver a letter from assignee's lender that assignee
is prequalified or preapproved as specified in paragraph 6B. Should assignee fail to deliver such a letter, Seller, after first giving
Assignee an Notice to Buyer to Perform, shall have the right to terminate the assignment. Buyer shall, within the time specified in
paragraph 3K, Deliver any request to assign this Agreement for Seller's consent. If Buyer fails to provide the required information
within this time frame, Seller's withholding of consent shall be deemed reasonable. Any total or partial assignment shall not relieve
Buyer of Buyer's obligations pursuant to this Agreement unless Otherwise Agreed by Seller (C.A.R. Form AOAA). Parties shall
provide any assignment agreement to Escrow Holder within 1 Day after the assignment. Any nomination by Buyer shall be subject
to the same procedures, requirements, and terms as an assignment as specified in this paragraph.
27. SUCCESSORS AND ASSIGNS: This Agreement shall be binding upon, and inure to the benefit of, Buyer and Seller and their
respective successors and assigns, except as otherwise provided herein.
28. ENVIRONMENTAL HAZARD CONSULTATION: Buyer and Seller acknowledge: (i) Federal, state, and local legislation impose
liability upon existing and former owners and users of real property, in applicable situations, for certain legislatively defined,
environmentally hazardous substances; (ii) Agent(s) has/have made no representation concerning the applicability of any such
Law to this transaction or to Buyer or to Seller, except as otherwise indicated in this Agreement; (iii) Agent(s) has/have made no
representation concerning the existence, testing, discovery, location, and evaluation of/for, and risks posed by, environmentally
hazardous substances, if any, located on or potentially affecting the Property; and (iv) Buyer and Seller are each advised to consult
with technical and legal experts concerning the existence, testing, discover, location and evaluation of/for, and risks posed by,
environmentally hazardous substances, in any, located on or potentially affecting the Property.

CPA REVISED 12/24 (PAGE 12 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 12 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
29. AMERICANS WITH DISABILITIES ACT: The Americans With Disabilities Act (“ADA”) prohibits discrimination against individuals
with disabilities. The ADA affects almost all commercial facilities and public accommodations. Residential properties are not typically
covered by the ADA, but may be governed by its provisions if used for certain purposes. The ADA can require, among other things,
that building be made readily accessible to the disabled. Different requirements apply to new construction, alterations to existing
buildings, and removal of barriers in existing buildings. Compliance with the ADA may require significant costs. Monetary and injunctive
remedies may be incurred if the Property is not in compliance. A real estate broker or agent does not have the technical expertise to
determine whether a building is in compliance with ADA requirements, or to advise a principal on those requirements. Buyer and Seller
are advised to contact a qualified California real estate attorney, contractor, architect, engineer, or other qualified professional of Buyer
or Seller's own choosing to determine to what degree, if any, the ADA impacts that principal or this transaction.
30. EQUAL HOUSING OPPORTUNITY: The Property is sold in compliance with federal, state and local anti-discrimination Laws.
31. COPIES: Seller and buyer each represent that Copies of all reports, certificates, approvals, and other documents that are furnished to
the other are true, correct, and unaltered Copies of the original documents, if the originals are in the possession of the furnishing party.
32. DEFINITIONS and INSTRUCTIONS: The following words are defined terms in this Agreement, shall be indicated by initial capital
letters throughout this Agreement, and have the following meaning whenever used:
A. “Acceptance” means the time the offer or final counter offer is fully executed, in writing, by the recipient Party and is
Delivered to the offering Party or that Party's Authorized Agent.
B. “Agent” means the Broker, salesperson, broker-associate or any other real estate licensee licensed under the brokerage firm
identified in paragraph 2B.
C. “Agreement” means this document and any counter offers and any incorporated addenda or amendments, collectively
forming the binding agreement between the Parties. Addenda and amendments are incorporated only when Signed and
Delivered by all Parties.
D. “As-Is” condition: Seller shall disclose known material facts and defects as specified in this Agreement. Buyer has the right to
inspect the Property and, within the time specified, request that Seller make repairs or take other corrective action, or exercise
any contingency cancellation rights in this Agreement. Seller is only required to make repairs specified in this Agreement or as
Otherwise Agreed.
E. “Authorized Agent” means an individual real estate licensee specified in the Real Estate Broker Section.
F. “C.A.R. Form” means the most current version of the specific form referenced or another comparable form agreed to by the
Parties.
G. “Close Of Escrow”, including “COE”, means the date the grant deed, or other evidence of transfer of title, is recorded for any
real property, or the date of Delivery of a document evidencing the transfer of title for any non-real property transaction.
H. “Copy” means copy by any means including photocopy, facsimile and electronic.
I. Counting Days is done as follows unless Otherwise Agreed: (1) The first Day after an event is the first full calendar date
following the event, and ending at 11:59 pm. For example, if a Notice to Buyer to Perform (C.A.R. form NBP) is Delivered at 3
pm on the 7th calendar day of the month, or Acceptance of a counter offer is personally received at 12 noon on the 7th
calendar day of the month, then the 7th is Day “0” for purposes of counting days to respond to the NBP or calculating the
Close Of Escrow date or contingency removal dates and the 8th of the month is Day 1 for those same purposes. (2) All
calendar days are counted in establishing the first Day after an event. (3) All calendar days are counted in determining the
date upon which performance must be completed, ending at 11:59 pm on the last day for performance (“Scheduled
Performance Day”). (4) After Acceptance, if the Scheduled Performance Day for any act required by this Agreement, including
Close Of Escrow, lands on a Saturday, Sunday, or Legal Holiday, the performing party shall be allowed to perform on the next
day that is not a Saturday, Sunday or Legal Holiday (“Allowable Performance Day”), and ending at 11:59 pm. “Legal Holiday”
shall mean any holiday or optional bank holiday under Civil Code §§ 7 and 7.1 and any holiday under Government Code §
6700. (5) For the purposes of COE, any day that the Recorder's office in the County where the Property is located is closed or
any day that the lender or Escrow Holder under this Agreement is closed, the COE shall occur on the next day the Recorder's
office in that County, the lender, and the Escrow Holder are open. (6) COE is considered Day 0 for purposes of counting days
Seller is allowed to remain in possession, if permitted by this Agreement.
J. “Day" or "Days” means calendar day or days. However, delivery of deposit to escrow is based on business days.
K. “Deliver”, “Delivered” or “Delivery” of documents, unless Otherwise Agreed, means and shall be effective upon personal
receipt of the document by Buyer or Seller or their Authorized Agent. Personal receipt means (i) a Copy of the document, or as
applicable, link to the document, is in the possession of the Party or Authorized Agent, regardless of the Delivery method used (i.e.
e-mail, text, other). A document, or as applicable link to a document, shall be deemed to be “in possession” if it is located in the inbox
for the applicable Party or Authorized Agent; or (ii) an electronic Copy of the document, or as applicable, link to the document,
has been sent to the designated electronic delivery address specified in the Real Estate Broker Section, unless Otherwise Agreed
in C.A.R. Form DEDA. After Acceptance, Agent may change the designated electronic delivery address for that Agent by, in
writing, Delivering notice of the change in designated electronic delivery address to the other Party (C.A.R. Form DEDA). Links
could be, for example, to DropBox or GoogleDrive or other functionally equivalent program. If the recipient of a link is unable
or unwilling to open the link or download the documents or otherwise prefers Delivery of the documents directly, Recipient of a
link shall notify the sender in writing, within 3 Days after Delivery of the link (C.A.R. Form RFR). In such case, Delivery shall be
effective upon Delivery of the documents and not the link. Failure to notify sender within the time specified above shall be deemed
consent to receive, and Buyer opening, the document by link.
L. “Electronic Copy” or “Electronic Signature” means, as applicable, an electronic copy or signature complying with
California Law. Unless Otherwise Agreed, Buyer and Seller agreed to the use of Electronic Signatures. Buyer and Seller agree
that electronic means will not be used by either Party to modify or alter the content or integrity of this Agreement without the
knowledge and consent of the other Party.
M. “Law” means any law, code, statute, ordinance, regulation, rule or order, which is adopted by a controlling city, county, state
or federal legislative, judicial or executive body or agency.
N. "Legally Authorized Signer" means an individual who has authority to Sign for the principal as specified in paragraph 40 or
paragraph 41.
O. “Otherwise Agreed” means an agreement in writing, signed by both Parties and Delivered to each.
P. “Repairs” means any repairs (including pest control), alterations, replacements, modifications or retrofitting of the Property
provided for under this Agreement.
Q. "Sign" or “Signed” means either a handwritten or Electronic Signature on an original document, Copy or any counterpart.

CPA REVISED 12/24 (PAGE 13 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 13 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
33. FAIR APPRAISAL ACT NOTICE:
A. Any appraisal of the property is required to be unbiased, objective, and not influenced by improper or illegal considerations,
including, but not limited to, any of the following: race, color, religion (including religious dress, grooming practices, or both),
gender (including, but not limited to, pregnancy, childbirth, breastfeeding, and related conditions, and gender identity and gender
expression), sexual orientation, marital status, medical condition, military or veteran status, national origin (including language use
and possession of a driver's license issued to persons unable to provide their presence in the United States is authorized under
federal law), source of income, ancestry, disability (mental and physical, including, but not limited to, HIV/AIDS status, cancer
diagnosis, and genetic characteristics), genetic information, or age.
B. If a buyer or seller believes that the appraisal has been influenced by any of the above factors, the seller or buyer can report this
information to the lender or mortgage broker that retained the appraiser and may also file a complaint with the Bureau of Real
Estate Appraisers at https://www2.brea.ca.gov/complaint/ or call (916) 552-9000 for further information on how to file a complaint.
34. TERMS AND CONDITIONS OF OFFER: This is an offer to purchase the Property on the terms and conditions herein. The
individual Liquidated Damages and Arbitration of Disputes paragraphs are incorporated in this Agreement if initialed by all Parties
or if incorporated by mutual agreement in a Counter Offer or addendum. If at least one but not all Parties initial, a Counter Offer
is required until agreement is reached. Seller has the right to continue to offer the Property for sale and to accept any other offer
at any time prior to notification of Acceptance and to market the Property for backup offers after Acceptance. The Parties have read
and acknowledge receipt of a Copy of the offer and agree to the confirmation of agency relationships. If this offer is accepted and
Buyer subsequently defaults, Buyer may be responsible for payment of Brokers' compensation. This Agreement and any
supplement, addendum or modification, including any Copy, may be Signed in two or more counterparts, all of which shall
constitute one and the same writing. By signing this offer or any document in the transaction, the Party Signing the document is
deemed to have read the document in its entirety.
35. TIME OF ESSENCE; ENTIRE CONTRACT; CHANGES: Time is of the essence. All understandings between the Parties are
incorporated in this Agreement. Its terms are intended by the Parties as a final, complete and exclusive expression of their
Agreement with respect to its subject matter and may not be contradicted by evidence of any prior agreement or contemporaneous
oral agreement. If any provision of this Agreement is held to be ineffective or invalid, the remaining provisions will nevertheless be
given full force and effect. Except as Otherwise Agreed, this Agreement shall be interpreted, and disputes shall be resolved in
accordance with the Laws of the State of California. Neither this Agreement nor any provision in it may be extended,
amended, modified, altered or changed, except in writing Signed by Buyer and Seller.
36. LEGALLY AUTHORIZED SIGNER: Wherever the signature or initials of the Legally Authorized Signer identified in paragraph 40
or 41 appear on this Agreement or any related documents, it shall be deemed to be in a representative capacity for the entity
described and not in an individual capacity, unless otherwise indicated. The Legally Authorized Signer (i) represents that the entity
for which that person is acting already exists and is in good standing to do business in California and (ii) shall Deliver to the other
Party and Escrow Holder, within as specified in paragraph 3N(5), evidence of authority to act in that capacity (such as but not
limited to: applicable portion of the trust or Certification Of Trust (Probate Code § 18100.5), letters testamentary, court order, power
of attorney, corporate resolution, or formation documents of the business entity).

37. LIQUIDATED DAMAGES:

If Buyer fails to complete this purchase because of Buyer's default, Seller shall retain, as liquidated damages,
the deposit actually paid. Buyer and Seller agree that this amount is a reasonable sum given that it is
impractical or extremely difficult to establish the amount of damages that would actually be suffered by Seller
in the event Buyer were to breach this Agreement. Release of funds will require mutual, Signed release
instructions from both Buyer and Seller, judicial decision or arbitration award. AT THE TIME OF ANY
INCREASED DEPOSIT BUYER AND SELLER SHALL SIGN A SEPARATE LIQUIDATED DAMAGES PROVISION
INCORPORATING THE INCREASED DEPOSIT AS LIQUIDATED DAMAGES (C.A.R. FORM DID).
Buyer's Initials / Seller's Initials /

38. MEDIATION:
A. The Parties agree to mediate any dispute or claim arising between them out of this Agreement, or any resulting transaction,
before resorting to arbitration or court action. The mediation shall be conducted through the C.A.R. Real Estate Mediation Center
for Consumers (www.consumermediation.org) or through any other mediation provider or service mutually agreed to by the
Parties. The Parties also agree to mediate any disputes or claims with Agents(s), who, in writing, agree to such mediation
prior to, or within a reasonable time after, the dispute or claim is presented to the Agent. Mediation fees, if any, shall be
divided equally among the Parties involved, and shall be recoverable under the prevailing party attorney fees clause. If, for any
dispute or claim to which this paragraph applies, any Party (i) commences an action without first attempting to resolve the matter
through mediation, or (ii) before commencement of an action, refuses to mediate after a request has been made, then that Party
shall not be entitled to recover attorney fees, even if they would otherwise be available to that Party in any such action. THIS
MEDIATION PROVISION APPLIES WHETHER OR NOT THE ARBITRATION PROVISION IS INITIALED.
B. ADDITIONAL MEDIATION TERMS: (i) Exclusions from this mediation agreement are specified in paragraph 39B; (ii)
The obligation to mediate does not preclude the right of either Party to seek a preservation of rights under paragraph
39C; and (iii) Agent's rights and obligations are further specified in paragraph 39D. These terms apply even if the
Arbitration of Disputes paragraph is not initialed.

CPA REVISED 12/24 (PAGE 14 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 14 OF 17)
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Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
39. ARBITRATION OF DISPUTES:
A. The Parties agree that any dispute or claim in Law or equity arising between them out of this Agreement or any
resulting transaction, which is not settled through mediation, shall be decided by neutral, binding arbitration. The
Parties also agree to arbitrate any disputes or claims with Agents(s), who, in writing, agree to such arbitration prior
to, or within a reasonable time after, the dispute or claim is presented to the Agent. The arbitration shall be
conducted through any arbitration provider or service mutually agreed to by the Parties. The arbitrator shall be a
retired judge or justice, or an attorney with at least 5 years of transactional real estate Law experience, unless the
Parties mutually agree to a different arbitrator. Enforcement of, and any motion to compel arbitration pursuant to, this
agreement to arbitrate shall be governed by the procedural rules of the Federal Arbitration Act, and not the California
Arbitration Act, notwithstanding any language seemingly to the contrary in this Agreement. The Parties shall have the
right to discovery in accordance with Code of Civil Procedure § 1283.05. The arbitration shall be conducted in
accordance with Title 9 of Part 3 of the Code of Civil Procedure. Judgment upon the award of the arbitrator(s) may be
entered into any court having jurisdiction.
B. EXCLUSIONS: The following matters are excluded from mediation and arbitration: (i) Any matter that is within the
jurisdiction of a probate, small claims or bankruptcy court; (ii) an unlawful detainer action; and (iii) a judicial or non-
judicial foreclosure or other action or proceeding to enforce a deed of trust, mortgage or installment land sale
contract as defined in Civil Code § 2985.
C. PRESERVATION OF ACTIONS: The following shall not constitute a waiver nor violation of the mediation and arbitration
provisions: (i) the filing of a court action to preserve a statute of limitations; (ii) the filing of a court action to enable
the recording of a notice of pending action, for order of attachment, receivership, injunction, or other provisional
remedies, provided the filing party concurrent with, or immediately after such filing, makes a request to the court for
a stay of litigation pending any applicable mediation or arbitration proceeding; or (iii) the filing of a mechanic's lien.
D. AGENTS: Agents shall not be obligated nor compelled to mediate or arbitrate unless they agree to do so in writing.
Any Agents(s) participating in mediation or arbitration shall not be deemed a party to this Agreement.
E. “NOTICE: BY INITIALING IN THE SPACE BELOW YOU ARE AGREEING TO HAVE ANY DISPUTE ARISING
OUT OF THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION DECIDED BY
NEUTRAL ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARE GIVING UP ANY RIGHTS
YOU MIGHT POSSESS TO HAVE THE DISPUTE LITIGATED IN A COURT OR JURY TRIAL. BY INITIALING
IN THE SPACE BELOW YOU ARE GIVING UP YOUR JUDICIAL RIGHTS TO DISCOVERY AND APPEAL,
UNLESS THOSE RIGHTS ARE SPECIFICALLY INCLUDED IN THE 'ARBITRATION OF DISPUTES'
PROVISION. IF YOU REFUSE TO SUBMIT TO ARBITRATION AFTER AGREEING TO THIS PROVISION, YOU
MAY BE COMPELLED TO ARBITRATE UNDER THE AUTHORITY OF THE CALIFORNIA CODE OF CIVIL
PROCEDURE. YOUR AGREEMENT TO THIS ARBITRATION PROVISION IS VOLUNTARY.”
“WE HAVE READ AND UNDERSTAND THE FOREGOING AND AGREE TO SUBMIT DISPUTES ARISING OUT OF
THE MATTERS INCLUDED IN THE 'ARBITRATION OF DISPUTES' PROVISION TO NEUTRAL ARBITRATION.”
Buyer's Initials / Seller's Initials /
40. OFFER
A. EXPIRATION OF OFFER: This offer shall be deemed revoked and the deposit, if any, shall be returned to Buyer unless by the
date and time specified in paragraph 3C, the offer is Signed by Seller and a Copy of the Signed offer is Delivered to Buyer or
Buyer's Authorized Agent. Seller has no obligation to respond to an offer made.
B. ENTITY BUYERS: (Note: If this paragraph is completed, a Representative Capacity Signature Disclosure (C.A.R. Form
RCSD) is not required for the Legally Authorized Signers designated below.)
(1) Non-Individual (entity) Buyers: One or more Buyers is a trust, corporation, LLC, probate estate, partnership, holding a
power of attorney or other entity.
(2) Full entity name: The following is the full name of the entity (if a trust, enter the complete trust name; if under probate, enter full
name of the estate, including case #):
.
(3) Contractual Identity of Buyer: For purposes of this Agreement, when the name described below is used, it shall be deemed
to be the full entity name.
(A) If a trust: The trustee(s) of the trust or a simplified trust name (ex. John Doe, co-trustee, Jane Doe, co-trustee or Doe
Revocable Family Trust);
(B) If Property is sold under the jurisdiction of a probate court: The name of the executor or administrator, or a simplified
probate name (John Doe, executor, or Estate (or Conservatorship) of John Doe).
(4) Legally Authorized Signer:
(A) This Agreement is being Signed by a Legally Authorized Signer in a representative capacity and not in an individual
capacity. See paragraph 36 for additional terms.
(B) The name(s) of the Legally Authorized Signer(s) is/are: , .
C. The CPA has 17 pages. Buyer acknowledges receipt of, and has read and understands, every page and all attachments that
make up the Agreement.
D. BUYER SIGNATURE(S):
(Signature) By, Date:
Printed name of BUYER: Bhupinder Singh
Printed Name of Legally Authorized Signer: Title, if applicable,
(Signature) By, Date:
Printed name of BUYER:
Printed Name of Legally Authorized Signer: Title, if applicable,
IF MORE THAN TWO SIGNERS, USE Additional Signature Addendum (C.A.R. Form ASA).
CPA REVISED 12/24 (PAGE 15 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 15 OF 17)
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Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025
41. ACCEPTANCE
A. ACCEPTANCE OF OFFER: Seller warrants that Seller is the owner of the Property or has the authority to execute this
Agreement. Seller accepts the above offer and agrees to sell the Property on the above terms and conditions. Seller has read
and acknowledges receipt of a Copy of this Agreement and authorizes Agent to Deliver a Signed Copy to Buyer.
Seller's acceptance is subject to the attached Counter Offer or Back-Up Offer Addendum, or both, checked below.
Seller shall return and include the entire agreement with any response.
Seller Counter Offer (C.A.R. Form SCO or SMCO)
Back-Up Offer Addendum (C.A.R. Form BUO)
B. ENTITY SELLERS: (Note: If this paragraph is completed, a Representative Capacity Signature Disclosure form (C.A.R.
Form RCSD) is not required for the Legally Authorized Signers designated below.)
(1) Non-Individual (entity) Sellers: One or more Sellers is a trust, corporation, LLC, probate estate, partnership, holding a
power of attorney or other entity.
(2) Full entity name: The following is the full name of the entity (if a trust, enter the complete trust name; if under probate, enter
full name of the estate, including case #):
.
(3) Contractual Identity of Seller: For purposes of this Agreement, when the name described below is used, it shall be deemed
to be the full entity name.
(A) If a trust: The trustee(s) of the trust or a simplified trust name (ex. John Doe, co-trustee, Jane Doe, co-trustee or Doe
Revocable Family Trust);
(B) If Property is sold under the jurisdiction of a probate court: The name of the executor or administrator, or a simplified
probate name (John Doe, executor, or Estate (or Conservatorship) of John Doe).
(4) Legally Authorized Signer:
(A) This Agreement is being Signed by a Legally Authorized Signer in a representative capacity and not for him/herself as an
individual. See paragraph 36 for additional terms.
(B) The name(s) of the Legally Authorized Signer(s) is/are: , .
C. The CPA has 17 pages. Seller acknowledges receipt of, and has read and understands, every page and all attachments that
make up the Agreement.
D. SELLER SIGNATURE(S):
(Signature) By, Date:
Printed name of SELLER: Gurpreet Singh
Printed Name of Legally Authorized Signer: Title, if applicable,
(Signature) By, Date:
Printed name of SELLER: Baljinder Singh
Printed Name of Legally Authorized Signer: Title, if applicable,
IF MORE THAN TWO SIGNERS, USE Additional Signature Addendum (C.A.R. Form ASA).

OFFER NOT ACCEPTED: ______/______ No Counter Offer is being made. This offer was not accepted by Seller __________ (date)
Seller's Initials

CPA REVISED 12/24 (PAGE 16 OF 17) Buyer's Initials / Seller's Initials /

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 16 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
Property Address: 608 S central Ave, Lodi, ca 95240 Date: February 12, 2025

REAL ESTATE BROKERS SECTION:

1. Real Estate Agents are not parties to the Agreement between Buyer and Seller.
2. Agency relationships are confirmed as stated in paragraph 2.
3. Presentation of Offer: Pursuant to the National Association of REALTORS® Standard of Practice 1-7, if Buyer's Agent makes a
written request, Seller's Agent shall confirm in writing that this offer has been presented to Seller.
4. Agents' Signatures and designated electronic delivery address:
A. Buyer's Brokerage Firm DRE Lic. #
By DRE Lic. # Date
By DRE Lic. # Date
Address City State Zip
Email Phone #
More than one agent from the same firm represents Buyer. Additional Agent Acknowledgement (C.A.R. Form AAA) attached.
More than one brokerage firm represents Buyer. Additional Broker Acknowledgement (C.A.R. Form ABA) attached.
Designated Electronic Delivery Address(es): Email above or
Attached DEDA: If Parties elect to have an alternative Delivery method, such method may be indicated on C.A.R. Form
DEDA.
B. Seller's Brokerage Firm DRE Lic. #
By DRE Lic. # Date
By DRE Lic. # Date
Address City State Zip
Email Phone #
More than one agent from the same firm represents Seller. Additional Agent Acknowledgement (C.A.R. Form AAA) attached.
More than one brokerage firm represents Seller. Additional Broker Acknowledgement (C.A.R. Form ABA) attached.
Designated Electronic Delivery Address(es) (To be filled out by Seller's Agent): Email above or
Attached DEDA: If Parties elect to have an alternative Delivery method, such method may be indicated on C.A.R. Form
DEDA.

Buyer's Initials / Seller's Initials /

ESCROW HOLDER ACKNOWLEDGMENT:

Escrow Holder acknowledges receipt of a Copy of this Agreement, (if checked, a deposit in the amount of $ ), Counter
Offer numbers and , and agrees to act as Escrow Holder subject to
paragraph 22 of this Agreement, any supplemental escrow instructions and the terms of Escrow Holder's general provisions.
Escrow Holder is advised by that the date of Acceptance of the Agreement is
Escrow Holder Escrow #
By Date
Address
Phone/Fax/E-mail
Escrow Holder has the following license number #
Department of Financial Protection and Innovation, Department of Insurance, Department of Real Estate.

PRESENTATION OF OFFER: / Seller's Brokerage Firm presented this offer to Seller on (date).
Broker or Designee Initials

© 2024, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this form,
or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE CALIFORNIA
ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION. A
REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN APPROPRIATE
PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California Association of REALTORS®.
Published and Distributed by: REAL ESTATE BUSINESS SERVICES, LLC. a subsidiary of the California Association of REALTORS®
CPA REVISED 12/24 (PAGE 17 OF 17)

COMMERCIAL PURCHASE AGREEMENT AND JOINT ESCROW INSTRUCTIONS (CPA PAGE 17 OF 17)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
BUYER'S INVESTIGATION ADVISORY
(C.A.R. Form BIA, Revised 12/21)

Property Address 608 S central Ave, Lodi, ca 95240

1. IMPORTANCE OF PROPERTY INVESTIGATION: The physical condition of the land and improvements being
purchased is not guaranteed by either Seller or Brokers. You have an affirmative duty to exercise reasonable care to
protect yourself, including discovery of the legal, practical and technical implications of disclosed facts, and the
investigation and verification of information and facts that you know or that are within your diligent attention and
observation. A general physical inspection typically does not cover all aspects of the Property nor items affecting the
Property that are not physically located on the Property. If the professionals recommend further investigations,
including a recommendation by a pest control operator to inspect inaccessible areas of the Property, you should
contact qualified experts to conduct such additional investigations.
2. BROKER OBLIGATIONS: Brokers do not have expertise in all areas and therefore cannot advise you on many items,
such as those listed below. If Broker gives you referrals to professionals, Broker does not guarantee their
performance.
3. YOU ARE STRONGLY ADVISED TO INVESTIGATE THE CONDITION AND SUITABILITY OF ALL ASPECTS OF THE
PROPERTY, INCLUDING BUT NOT LIMITED TO THE FOLLOWING. IF YOU DO NOT DO SO, YOU ARE ACTING
AGAINST THE ADVICE OF BROKERS.
A. GENERAL CONDITION OF THE PROPERTY, ITS SYSTEMS AND COMPONENTS: Foundation, roof (condition,
age, leaks, useful life), plumbing, heating, air conditioning, electrical, mechanical, security, pool/spa (cracks,
leaks, operation), other structural and non-structural systems and components, fixtures, built-in appliances, any
personal property included in the sale, and energy efficiency of the Property.
B. SQUARE FOOTAGE, AGE, BOUNDARIES: Square footage, room dimensions, lot size, age of improvements
and boundaries. Any numerical statements regarding these items are APPROXIMATIONS ONLY and have not
been verified by Seller and cannot be verified by Brokers. Fences, hedges, walls, retaining walls and other
barriers or markers do not necessarily identify true Property boundaries.
C. WOOD DESTROYING PESTS: Presence of, or conditions likely to lead to the presence of wood destroying pests
and organisms.
D. SOIL STABILITY: Existence of fill or compacted soil, expansive or contracting soil, susceptibility to slippage,
settling or movement, and the adequacy of drainage.
E. WATER AND UTILITIES; WELL SYSTEMS AND COMPONENTS; WASTE DISPOSAL: Water and utility
availability, use restrictions and costs. Water quality, adequacy, condition, and performance of well systems and
components. The type, size, adequacy, capacity and condition of sewer and septic systems and components,
connection to sewer, and applicable fees.
F. ENVIRONMENTAL HAZARDS: Potential environmental hazards, including, but not limited to, asbestos, lead-
based paint and other lead contamination, radon, methane, other gases, fuel oil or chemical storage tanks,
contaminated soil or water, hazardous waste, waste disposal sites, electromagnetic fields, nuclear sources, and
other substances, materials, products, or conditions (including mold (airborne, toxic or otherwise), fungus or
similar contaminants).
G. EARTHQUAKES AND FLOODING: Susceptibility of the Property to earthquake/seismic hazards and propensity
of the Property to flood.
H. FIRE, HAZARD, AND OTHER INSURANCE: The availability and cost of necessary or desired insurance may vary.
The location of the Property in a seismic, flood or fire hazard zone, and other conditions, such as the age of the
Property and the claims history of the Property and Buyer, may affect the availability and need for certain types of
insurance. Buyer should explore insurance options early as this information may affect other decisions, including the
removal of loan and inspection contingencies.
I. BUILDING PERMITS, ZONING, GOVERNMENTAL REQUIREMENTS, AND ADDRESS: Permits, inspections,
certificates, zoning, other governmental limitations, restrictions, and requirements affecting the current or future use
of the Property, its development or size. Postal/mailing address and zip code may not accurately reflect the city
which has jurisdiction over the property.
J. RENTAL PROPERTY RESTRICTIONS: The State, some counties, and some cities impose restrictions that limit the
amount of rent that can be charged, the maximum number of occupants, and the right of a landlord to terminate a
tenancy. Deadbolt or other locks and security systems for doors and windows, including window bars, should be
examined to determine whether they satisfy legal requirements.
K. SECURITY AND SAFETY: State and local Law may require the installation of barriers, access alarms, self-
latching mechanisms and/or other measures to decrease the risk to children and other persons of existing
swimming pools and hot tubs, as well as various fire safety and other measures concerning other features of the
Property.
© 2021, California Association of REALTORS®, Inc.

BIA REVISED 12/21 (PAGE 1 OF 2)

BUYER'S INVESTIGATION ADVISORY (BIA PAGE 1 OF 2)

Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

L. NEIGHBORHOOD, AREA, SUBDIVISION CONDITIONS; PERSONAL FACTORS: Neighborhood or area

conditions, including schools, law enforcement, crime statistics, registered felons or offenders, fire protection,
other government services, availability, adequacy and cost of internet connections or other technology services
and installations, commercial, industrial or agricultural activities, existing and proposed transportation,
construction and development that may affect noise, view, or traffic, airport noise, noise or odor from any source,
wild and domestic animals, other nuisances, hazards, or circumstances, protected species, wetland properties,
botanical diseases, historic or other governmentally protected sites or improvements, cemeteries, facilities and
condition of common areas of common interest subdivisions, and possible lack of compliance with any governing
documents or Homeowners' Association requirements, conditions and influences of significance to certain
cultures and/or religions, and personal needs, requirements and preferences of Buyer.

By signing below, Buyers acknowledge that they have read, understand, accept and have received a Copy of this
Advisory. Buyers are encouraged to read it carefully.

Buyer Bhupinder Singh Date

Buyer Date

© 2021, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this
form, or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE
CALIFORNIA ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC
TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE,
CONSULT AN APPROPRIATE PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California
Association of REALTORS®. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership mark which may be used only by
members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.
Published and Distributed by:
REAL ESTATE BUSINESS SERVICES, LLC.
a subsidiary of the CALIFORNIA ASSOCIATION OF REALTORS®
525 South Virgil Avenue, Los Angeles, California 90020
BIA REVISED 12/21 (PAGE 2 OF 2)

BUYER'S INVESTIGATION ADVISORY (BIA PAGE 2 OF 2)

Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

POSSIBLE REPRESENTATION OF MORE THAN ONE BUYER

OR SELLER - DISCLOSURE AND CONSENT
(C.A.R. Form PRBS, Revised 12/21)

A real estate broker (Broker), whether a corporation, partnership or sole proprietorship, may represent more than one buyer
or seller. This multiple representation can occur through an individual licensed as a broker or salesperson or through different
individual broker's or salespersons (associate licensees) acting under the Broker's license. The associate licensees may be
working out of the same or different office locations.
Multiple Buyers: Broker (individually or through its associate licensees) may be working with many prospective buyers at
the same time. These prospective buyers may have an interest in, and make offers on, the same properties. Some of these
properties may be listed with Broker and some may not. Broker will not limit or restrict any particular buyer from making
an offer on any particular property whether or not Broker represents other buyers interested in the same property.
Multiple Sellers: Broker (individually or through its associate licensees) may have listings on many properties at the same
time. As a result, Broker will attempt to find buyers for each of those listed properties. Some listed properties may appeal to
the same prospective buyers. Some properties may attract more prospective buyers than others. Some of these prospective
buyers may be represented by Broker and some may not. Broker will market all listed properties to all prospective buyers
whether or not Broker has another or other listed properties that may appeal to the same prospective buyers.
Dual Agency: If Seller is represented by Broker, Seller acknowledges that broker may represent prospective buyers
of Seller's property and consents to Broker acting as a dual agent for both seller and buyer in that transaction. If Buyer
is represented by Broker, buyer acknowledges that Broker may represent sellers of property that Buyer is interested in
acquiring and consents to Broker acting as a dual agent for both buyer and seller with regard to that property.
In the event of dual agency, seller and buyer agree that: a dual agent may not, without the express permission of the
respective party, disclose to the other party confidential information, including, but not limited to, facts relating to either the
buyer's or seller's financial position, motivations, bargaining position, or other personal information that may impact price,
including the seller's willingness to accept a price less than the listing price or the buyer's willingness to pay a price
greater than the price offered; and except as set forth above, a dual agent is obligated to disclose known facts materially
affecting the value or desirability of the Property to both parties.
Offers not necessarily confidential: Buyer is advised that seller or listing agent may disclose the existence, terms, or
conditions of buyer's offer unless all parties and their agent have signed a written confidentiality agreement. Whether any such
information is actually disclosed depends on many factors, such as current market conditions, the prevailing practice in the real
estate community, the listing agent's marketing strategy and the instructions of the seller.
Buyer and seller understand that Broker may represent more than one buyer or more than one seller and even both buyer
and seller on the same transaction and consents to such relationships.
Seller and/or Buyer acknowledges reading and understanding this Possible Representation of More Than One
Buyer or Seller - Disclosure and Consent and agrees to the agency possibilities disclosed.

Seller Gurpreet Singh Date

Seller Baljinder Singh Date
Buyer Bhupinder Singh Date
Buyer Date
Buyer's Brokerage Firm DRE Lic #
By DRE Lic # Date

Seller's Brokerage Firm DRE Lic #

By DRE Lic # Date

© 2021, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this form,
or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE
CALIFORNIA ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC
TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE,
CONSULT AN APPROPRIATE PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California
Association of REALTORS®. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership mark which may be used only by
members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.
Published and Distributed by:
REAL ESTATE BUSINESS SERVICES, LLC.
a subsidiary of the CALIFORNIA ASSOCIATION OF REALTORS®
525 South Virgil Avenue, Los Angeles, California 90020
PRBS REVISED 12/21 (PAGE 1 OF 1)

POSSIBLE REPRESENTATION OF MORE THAN ONE BUYER OR SELLER (PRBS PAGE 1 OF 1)

Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
FAIR HOUSING AND DISCRIMINATION ADVISORY
(C.A.R. Form FHDA, Revised 12/24)

1. EQUAL ACCESS TO HOUSING FOR ALL: All housing in California is available to all persons. Discrimination as noted below is
prohibited by law. Resources are available for those who have experienced unequal treatment under the law.
2. FEDERAL AND STATE LAWS PROHIBIT DISCRIMINATION AGAINST IDENTIFIED PROTECTED CLASSES:
A. FEDERAL FAIR HOUSING ACT (“FHA”) Title VIII of the Civil Rights Act; 42 U.S.C. §§ 3601-3619; Prohibits discrimination in
sales, rental or financing of residential housing against persons in protected classes;
B. CALIFORNIA FAIR EMPLOYMENT AND HOUSING ACT (“FEHA”) California Government Code (“GC”) §§ 12900-
12996,12955; 2 California Code of Regulations (“CCR”) §§ 12005-12271; Prohibits discrimination in sales, rental or financing
of housing opportunity against persons in protected classes by providers of housing accommodation and financial assistance
services as related to housing;
C. CALIFORNIA UNRUH CIVIL RIGHTS ACT (“Unruh”) California Civil Code (“CC”) § 51; Prohibits business establishments from
discriminating against, and requires full and equal accommodation, advantages, facilities, privileges, and services to persons
in protected classes;
D. AMERICANS WITH DISABILITIES ACT (“ADA”) 42 U.S.C. §§ 12181-12189; Title III of the ADA prohibits discrimination based
on disability in public accommodations; and
E. OTHER FAIR HOUSING LAWS: § 504 of Rehabilitation Act of 1973 29 U.S.C. § 794; Ralph Civil Rights Act CC § 51.7;
California Disabled Persons Act; CC §§ 54-55.32; any local city or county fair housing ordinances, as applicable.
3. POTENTIAL LEGAL REMEDIES FOR UNLAWFUL DISCRIMINATION: Violations of fair housing laws may result in
monetary civil fines, injunctive relief, compensatory and/or punitive damages, and attorney fees and costs.
4. PROTECTED CLASSES/CHARACTERISTICS: Whether specified in Federal or State law or both, discrimination against persons
based on that person's belonging to, association with, or perceived membership in, certain classes or categories, such as the
following, is prohibited. Other classes, categories or restrictions may also apply.
Race (and race traits) Color Ancestry National Origin Religion
Age Sex, Sexual Orientation Gender, Gender Identity, Marital Status Familial Status (family with
Gender expression a child or children under
18)
Citizenship Immigration Status Primary Language Military/Veteran Status Source of Income (e.g.,
Section 8 Voucher)
Medical Condition Disability (Mental & Physical) Genetic Information Criminal History (non- Any Arbitrary Characteristic
relevant convictions) or Intersectionality

5. THE CALIFORNIA DEPARTMENT OF REAL ESTATE REQUIRES TRAINING AND SUPERVISION TO PREVENT HOUSING
DISCRIMINATION BY REAL ESTATE LICENSEES:
A. California Business & Professions Code (“B&PC”) § 10170.5(a)(4) requires 3 hours of training on fair housing for DRE license
renewal; Real Estate Regulation § 2725(f) requires brokers who oversee salespersons to be familiar with the requirements of
federal and state laws relating to the prohibition of discrimination.
B. Violation of DRE regulations or real estate laws against housing discrimination by a real estate licensee may result in the loss
or suspension of the licensee's real estate license. B&PC §10177(l)(1); 10 CCR § 2780
6. REALTOR® ORGANIZATIONS PROHIBIT DISCRIMINATION: NAR Code of Ethics Article 10 prohibits discrimination in employment
practices or in rendering real estate license services against any person because of race, color, religion, sex, disability, familial status,
national origin, sexual orientation, or gender identity by REALTORS®.
7. WHO IS REQUIRED TO COMPLY WITH FAIR HOUSING LAWS?
Below is a non-exclusive list of providers of housing accommodations or financial assistance services as related to housing who
are most likely to be encountered in a housing transaction and who must comply with fair housing laws.
● Sellers ● Landlords/Housing Providers ● Sublessors
● Real estate licensees ● Real estate brokerage firms ● Property managers
● Mobilehome parks ● Homeowners Associations (“HOAs”); ● Banks and Mortgage lenders
● Insurance companies ● Government housing services ● Appraisers
8. EXAMPLES OF CONDUCT THAT MAY NOT BE MOTIVATED BY DISCRIMINATORY INTENT BUT COULD HAVE A
DISCRIMINATORY EFFECT:
A. Prior to acceptance of an offer, asking for or offering buyer personal information or letters from the buyer, especially with photos.
Those types of documents may inadvertently reveal, or be perceived as revealing, protected status information thereby increasing
the risk of (i) actual or unconscious bias, and (ii) potential legal claims against sellers and others by prospective buyers whose
offers were rejected.
B. Refusing to rent (i) an upper-level unit to an elderly tenant out of concern for the tenant's ability to navigate stairs or (ii) a house
with a pool to a person with young children out of concern for the children's safety.
9. EXAMPLES OF UNLAWFUL OR IMPROPER CONDUCT BASED ON A PROTECTED CLASS OR CHARACTERISTIC:
A. Refusing to negotiate for a sale, rental or financing or otherwise make a housing opportunity unavailable; failing to present offers
due to a person's protected status;
B. Refusing or failing to show, rent, sell or finance housing; “channeling” or “steering” a prospective buyer or tenant to or away from a
particular area due to that person's protected status or because of the racial, religious or ethnic composition of the neighborhood;
C. “Blockbusting” or causing “panic selling” by inducing a listing, sale or rental based on the grounds of loss of value of property,
increase in crime, or decline in school quality due to the entry or prospective entry of people in protected categories into the
neighborhood;
D. Making any statement or advertisement that indicates any preference, limitation, or discrimination;
© 2024, California Association of REALTORS®, Inc.
FHDA REVISED 12/24 (PAGE 1 OF 2)
FAIR HOUSING AND DISCRIMINATION ADVISORY (FHDA PAGE 1 OF 2)
Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582
E.Inquiring about protected characteristics (such as asking tenant applicants if they are married, or prospective purchasers if
they have children or are planning to start a family);
F. Using criminal history information before otherwise affirming eligibility, and without a legally sufficient justification;
G. Failing to assess financial standards based on the portion of the income responsible by a tenant who receives government
subsidies (such as basing an otherwise neutral rent to income ratio on the whole rent rather than just the part of rent that is the
tenant's responsibility);
H. Denying a home loan or homeowner's insurance;
I. Offering inferior terms, conditions, privileges, facilities or services;
J. Using different qualification criteria or procedures for sale or rental of housing such as income standards, application
requirements, application fees, credit analyses, sale or rental approval procedures or other requirements;
K. Harassing a person;
L. Taking an adverse action based on protected characteristics;
M. Refusing to permit a reasonable modification to the premises, as requested by a person with a disability (such as refusing to allow
a tenant who uses a wheelchair to install, at their expense, a ramp over front or rear steps, or refusing to allow a tenant with a
disability from installing, at their own expense, grab bars in a shower or bathtub);
N. Refusing to make reasonable accommodation in policies, rules, practices, or services for a person with a disability (such as the
following, if an actual or prospective tenant with a disability has a service animal or support animal):
(i) Failing to allow that person to keep the service animal or emotional support animal in rental property,
(ii) Charging that person higher rent or increased security deposit, or
(iii) Failing to show rental or sale property to that person who is accompanied by the service animal or support animal, and;
O. Retaliating for asserting rights under fair housing laws.
10. EXAMPLES OF POSITIVE PRACTICES:
A. Real estate licensees working with buyers or tenants should apply the same objective property selection criteria, such as
location/neighborhood, property features, and price range and other considerations, to all prospects.
B. Real estate licensees should provide complete and objective information to all clients based on the client's selection criteria.
C. Real estate licensees should provide the same professional courtesy in responding to inquiries, sharing of information and
offers of assistance to all clients and prospects.
D. Housing providers should not make any statement or advertisement that directly or indirectly implies preference, limitation, or
discrimination regarding any protected characteristic (such as “no children” or “English-speakers only”).
E. Housing providers should use a selection process relying on objective information about a prospective buyer's offer or tenant's
application and not seek any information that may disclose any protected characteristics (such as using a summary document,
e.g. C.A.R. Form SUM-MO, to compare multiple offers on objective terms).
11. FAIR HOUSING RESOURCES: If you have questions about your obligations or rights under the Fair Housing laws, or you think
you have been discriminated against, you may want to contact one or more of the sources listed below to discuss what you can do
about it, and whether the resource is able to assist you.
A. Federal: https://www.hud.gov/program_offices/fair_housing_equal_opp
B. State: https://calcivilrights.ca.gov/housing/
C. Local: local Fair Housing Council office (non-profit, free service)
D. DRE: https://www.dre.ca.gov/Consumers/FileComplaint.html
E. Local Association of REALTORS®. List available at: https://www.car.org/en/contactus/rosters/localassociationroster.
F. Any qualified California fair housing attorney, or if applicable, landlord-tenant attorney.
12. LIMITED EXCEPTIONS TO FAIR HOUSING REQUIREMENTS: No person should rely on any exception below without first
seeking legal advice about whether the exception applies to their situation. Real estate licensees are not qualified to
provide advice on the application of these exceptions.
A. Legally compliant senior housing is exempt from FHA, FEHA and Unruh as related to age or familial status only;
B. An owner of a single-family residence who resides at the property with one lodger may be exempt from FEHA for rental
purposes, PROVIDED no real estate licensee is involved in the rental;
C. An owner of a single-family residence may be exempt from FHA for sale or rental purposes, PROVIDED (i) no real estate
licensee is involved in the sale or rental and (ii) no discriminatory advertising is used, and (iii) the owner owns no more than
three single-family residences. Other restrictions apply;
D. An owner of residential property with one to four units who resides at the property, may be exempt from FHA for rental
purposes, PROVIDED no real estate licensee is involved in the rental; and
E. Both FHA and FEHA do not apply to roommate situations. See, Fair Housing Council v Roommate.com LLC, 666 F.3d 1216 (2019).
F. Since both the 14th Amendment of the U.S. Constitution and the Civil Rights Act of 1866 prohibit discrimination based on race;
the FHA and FEHA exemptions do not extend to discrimination based on race.
Buyer/Tenant and Seller/Housing Provider have read, understand and acknowledge receipt of a copy of this Fair Housing &
Discrimination Advisory.
Buyer/Tenant Bhupinder Singh Date
Buyer/Tenant Date
Seller/Housing Provider Gurpreet Singh Date
Seller/Housing Provider Baljinder Singh Date

© 2024, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this form,
or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE CALIFORNIA
ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION. A
REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN APPROPRIATE
PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California Association of REALTORS®.
Published and Distributed by: REAL ESTATE BUSINESS SERVICES, LLC. a subsidiary of the California Association of REALTORS®

FHDA REVISED 12/24 (PAGE 2 OF 2)

FAIR HOUSING AND DISCRIMINATION ADVISORY (FHDA PAGE 2 OF 2)
Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com 608 S central Ave
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

BUYER HOMEOWNERS' INSURANCE ADVISORY

(C.A.R. Form BHIA, 6/24)

1. IMPORTANCE OF OBTAINING PROPERTY INSURANCE: If the property you are purchasing is destroyed or damaged
due to natural disaster or accident or some other event, insurance may be available to help with the cost of repair or
rebuilding. In the absence of property insurance, the homeowner would be responsible for the full expense. If the property
is purchased with a loan, or refinanced, the lender will require an insurance policy protecting its interest. Insurance
policies can cover damage due to one or more of the following: fire, flood, earthquake and other causes. The policy or
an insurance broker should be consulted to determine when coverage applies and whether a supplement or rider can be
purchased to provide additional coverage or if a separate policy is necessary.
2. PROPERTY INSURANCE AND PURCHASE CONTRACT TERMS: Your real estate purchase contract may contain a
contingency that gives you the right to legally cancel the agreement within a specified time if you are unable to obtain or
afford property insurance. This cancellation right may be a specific contingency pertaining to insurance or may be part
of an overall investigation contingency. If buyer waives or removes the applicable contingency before determining the
availability and cost of property insurance, buyer is acting against the advice of broker. Additionally, if the property is part
of an HOA, lenders may require and buyers will want to know that the HOA has adequate insurance to cover the areas
for which the HOA is responsible.
3. CALIFORNIA'S PROPERTY INSURANCE MARKET: Some insurance carriers in California have stopped issuing new
property insurance policies and others are limiting the number and location of new policies, due to rising replacement costs
and an increase in natural disasters. These changes may affect both the availability and cost of insurance. However,
over 50 insurance carriers are admitted to sell property insurance in California so it may be possible to obtain insurance
even if some carriers will not write a new policy covering the property you intend to buy. An insurance broker may also
be able to find a non-admitted insurance carrier offering to insure the property you intend to buy. Because locating an
affordable insurance policy could take time and effort, buyers are advised to make all insurance inquiries as early in the
home buying process as possible.
4. INSURANCE CONDITIONS: Many insurance carriers impose physical condition standards before issuing a policy, or
reserve the right to cancel policies even after they are issued, if certain minimum standards are not confirmed in an
inspection or otherwise. Physical conditions standards could include, but are not limited to, prohibition of “knob and tube”
electrical wiring, requirements related to piping/plumbing materials, standards related to the age and/or quality of the roof
or foundation, minimal safety standards related to handrails, tripping hazards, and defensible space requirements.
5. RESOURCES: The California Department of Insurance (DOI) maintains a website addressing Residential Home
insurance. Resources on this State government webpage include: (i) Top Ten tips for Finding Residential Insurance;
(ii) Residential Insurance Company Contact List; (iii) Home Insurance Finder; and (iv) information on other insurance
issues. The webpage also includes information on how to contact the DOI, and suggestions on what to do if you cannot
find insurance. The webpage and link to other documents is located at https://www.insurance.ca.gov/01-consumers/105-
type/5-residential/index.cfm.
6. BROKER RECOMMENDATION: Buyer is advised to explore available property insurance options early in the home
buying process and to consult with a qualified insurance professional of buyer's choosing to understand insurance
availability and cost prior to removal of any related contingencies. Real estate brokers do not have expertise in this area.
By signing below, Buyer acknowledges that Buyer has read, understands, and has received a copy of this Buyer
Homeowners' Insurance Advisory.

Buyer Bhupinder Singh Date

Buyer Date

© 2024, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction
of this form, or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED
BY THE CALIFORNIA ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN
ANY SPECIFIC TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL
OR TAX ADVICE, CONSULT AN APPROPRIATE PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase
from the California Association of REALTORS®.
Published and Distributed by: REAL ESTATE BUSINESS SERVICES, LLC. a subsidiary of the California Association of REALTORS®
BHIA 6/24 (PAGE 1 OF 1)

BUYER HOMEOWNERS' INSURANCE ADVISORY (BHIA PAGE 1 OF 1)

Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

WIRE FRAUD AND ELECTRONIC FUNDS

TRANSFER ADVISORY
(C.A.R. Form WFA, Revised 12/21)

Property Address: 608 S central Ave, Lodi, ca 95240 (“Property”).

WIRE FRAUD AND ELECTRONIC FUNDS TRANSFERS ADVISORY:
The ability to communicate and conduct business electronically is a convenience and reality in nearly all parts of our lives.
At the same time, it has provided hackers and scammers new opportunities for their criminal activity. Many businesses
have been victimized and the real estate business is no exception.
While wiring or electronically transferring funds is a welcome convenience, we all need to exercise extreme caution.
Emails attempting to induce fraudulent wire transfers have been received and have appeared to be legitimate. Reports
indicate that some hackers have been able to intercept emailed transfer instructions, obtain account information and, by
altering some of the data, redirect the funds to a different account. It also appears that some hackers were able to provide
false phone numbers for verifying the wiring or funds transfer instructions. In those cases, the victim called the number
provided to confirm the instructions, and then unwittingly authorized a transfer to somewhere or someone other than the
intended recipient.
ACCORDINGLY, YOU ARE ADVISED:
1. Obtain phone numbers and account numbers only from Escrow Officers, Property Managers, or
Landlords at the beginning of the transaction.
2. DO NOT EVER WIRE OR ELECTRONICALLY TRANSFER FUNDS PRIOR TO CALLING TO
CONFIRM THE TRANSFER INSTRUCTIONS. ONLY USE A PHONE NUMBER YOU WERE
PROVIDED PREVIOUSLY. Do not use any different phone number or account number included
in any emailed transfer instructions.
3. Orally confirm the transfer instruction is legitimate and confirm the bank routing number,
account numbers and other codes before taking steps to transfer the funds.
4. Avoid sending personal information in emails or texts. Provide such information in person or
over the telephone directly to the Escrow Officer, Property Manager, or Landlord.
5. Take steps to secure the system you are using with your email account. These steps include
creating strong passwords, using secure WiFi, and not using free services.
If you believe you have received questionable or suspicious wire or funds transfer instructions, immediately notify your
bank, and the other party, and the Escrow Office, Landlord, or Property Manager. The sources below, as well as others,
can also provide information:
Federal Bureau of Investigation: https://www.fbi.gov/; the FBI's IC3 at www.ic3.gov; or 310-477-6565
National White Collar Crime Center: http://www.nw3c.org/
On Guard Online: https://www.onguardonline.gov/
NOTE: There are existing alternatives to electronic and wired fund transfers such as cashier's checks.
By signing below, the undersigned acknowledge that each has read, understands and has received a
copy of this Wire Fraud and Electronic Funds Transfer Advisory.
Buyer/Tenant Bhupinder Singh Date
Buyer/Tenant Date
Seller/Landlord Gurpreet Singh Date
Seller/Landlord Baljinder Singh Date

©2021, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this
form, or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE
CALIFORNIA ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC
TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE,
CONSULT AN APPROPRIATE PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California
Association of REALTORS®. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership mark which may be used only by
members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.
Published and Distributed by:
REAL ESTATE BUSINESS SERVICES, LLC.
a subsidiary of the CALIFORNIA ASSOCIATION OF REALTORS®
525 South Virgil Avenue, Los Angeles, California 90020
WFA REVISED 12/21 (PAGE 1 OF 1)
WIRE FRAUD AND ELECTRONIC FUNDS TRANSFER ADVISORY (WFA PAGE 1 OF 1)
Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com
Authentisign ID: 3483D244-61EA-EF11-88F8-002248264582

CALIFORNIA CONSUMER PRIVACY ACT ADVISORY,

DISCLOSURE AND NOTICE
(C.A.R. Form CCPA, Revised 12/22)

The California Consumer Privacy Act (commencing with Civil Code § 1798.100) (“CCPA”), as amended by California voters
in 2020, grants to California residents certain rights in their private, personal information (“PI”) that is collected by companies
with whom they do business. Under the CCPA, PI is defined broadly to encompass non-public records information that could
reasonably be linked directly or indirectly to you. PI could potentially include photographs of, or sales information about, your
property.

During the process of buying and selling real estate your PI will be collected and likely shared with others, including real
estate licensees, a Multiple Listing Service, real estate internet websites, service providers, lenders, and title and escrow
companies, to name several possibilities. Businesses that are covered by the CCPA are required to grant you various rights
in your PI, including the right to know what PI is collected, the right to know what PI is sold or shared and to whom, the right
to request that the business correct or delete your PI, the right to “opt out” or stop the transfer of your PI to others, and the
right to limit the use of certain PI which is considered “sensitive.” You may get one or more notices regarding your CCPA
rights from businesses you interact with in a real estate transaction. However, not all businesses that receive or share your
PI are obligated to comply with the CCPA. Moreover, businesses that are otherwise covered under the CCPA may have a
legal obligation to maintain PI, notwithstanding your instruction to the contrary. For instance, regardless of whether they are
covered by CCPA, under California law, brokers and Multiple Listing Services are required to maintain their records for 3
years. If you wish to exercise your rights under CCPA, where applicable, you should contact the respective business directly.

You can obtain more information about the CCPA and your rights under the law from the State of California Department
of Justice (oag.ca.gov/privacy/ccpa). Additionally, the California Privacy Protection Agency is authorized to promulgate
regulations which may further clarify requirements of the CCPA (cppa.ca.gov/regulations/).

I/we acknowledge receipt of a copy of this California Consumer Privacy Act Advisory, Disclosure and Notice.

Buyer/Seller/Landlord/Tenant Date
Bhupinder Singh
Buyer/Seller/Landlord/Tenant Date

© 2022, California Association of REALTORS®, Inc. United States copyright law (Title 17 U.S. Code) forbids the unauthorized distribution, display and reproduction of this
form, or any portion thereof, by photocopy machine or any other means, including facsimile or computerized formats. THIS FORM HAS BEEN APPROVED BY THE
CALIFORNIA ASSOCIATION OF REALTORS®. NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ACCURACY OF ANY PROVISION IN ANY SPECIFIC
TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE,
CONSULT AN APPROPRIATE PROFESSIONAL. This form is made available to real estate professionals through an agreement with or purchase from the California
Association of REALTORS®. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership mark which may be used only by
members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.
Published and Distributed by:
REAL ESTATE BUSINESS SERVICES, LLC.
a subsidiary of the CALIFORNIA ASSOCIATION OF REALTORS®
525 South Virgil Avenue, Los Angeles, California 90020
CCPA REVISED 12/22 (PAGE 1 OF 1)

CALIFORNIA CONSUMER PRIVACY ACT ADVISORY (CCPA PAGE 1 OF 1)

Berkshire Hathaway Homeservices Elite Realty Services, 7412 Elsie Avenue Sacramento CA 95828 Phone: 9164200622 Fax: 608 S central Ave
Harsimar Singh Produced with Lone Wolf Transactions (zipForm Edition) 717 N Harwood St, Suite 2200, Dallas, TX 75201 www.lwolf.com