The First American Title Department has built a reputation for excellence on the solid foundation of the company's many strengths. We have assembled a very experienced, talented, and dedicated group of Title Officers, each having at least 15-years with the company. We have a goal of making the purchase of real estate a most pleasurable and rewarding experience for the principals and their real estate advisors. That same philosophy applies to multi-million dollar purchase, sale, or financing transactions. Our title staff assures that the goal is met, day after day, sale after sale.

We have the technical skills that speak for themselves. The company provides resources and technology to support the vast array of details and documents that result in sound underwriting and good results. Each employee is empowered to seek the best resolution for each customer's situation. Advisory Title Officers and in-house counsel assure that should any problems arise they will be resolved in a timely and equitable manner.

Our customers come to us for solutions and we pride ourselves on that delivery. Call us for your next real property purchase, sale or finance transaction; you will see that there is a difference when service to the customer is the first priority.

Some Definitions
Title Insurance insures against loss sustained by an insured due to the condition of title being other than as insured. The beneficiaries of title insurance policies generally are real property owners and mortgage lenders. A title insurance policy protects the named insured against title defects, liens, and encumbrances existing as of the date of the policy and not excepted from coverage. For a one-time premium, the policy remains in effect until the property is sold or refinanced.

Title Policies
First American Title Insurance Company is proud to introduce the EAGLE Policy. This is an expanded coverage policy for lenders on and owners of one-to-four unit residences, including condominiums.

The EAGLE Policy was conceived and first offered by First American to bring homeowners a significantly higher level of protection against loss from claims against their title. It provides more coverage automatically than any other previous policy. The EAGLE Policy adds 18 new areas where the policyholder is indemnified against loss. First American's EAGLE Policy is the first to offer post-policy protection for covered events that occur after the policy date. All of these benefits are in addition to the legal defense of a policyholder title against claims that affords protection without reducing the policy amount.

Special Offers
5-Year, Short-Term Rate
We offer a short-term rate when a title policy has been issued on the property within the last five years. Because the chain of title to the property was so recently searched and evaluated, First American reduces the basic rate premium by twenty percent.

Refinance Rate
First American also offers property owners and lenders a thirty percent discount on the premium when the same owners refinance the same property within two years of the acquisition or loan.

Binder
In addition to a residential policy, an owner may wish to obtain a binder to insure a resale within 24 months of the date of closing on the original purchase. The binder is issued for ten percent of Basic Rate, based upon the liability amount (the purchase price for a sale; the loan amount for a lender). Prior to its expiration, a binder may be extended for an additional two years for an additional ten percent of Basic Rate, based upon liability amount. The binder is a cost savings for investors who purchase, improve, and resale property within two to four years. Upon the resale to a new buyer, the investor (Seller) pays the title insurance premium for an owner's policy based on the increase in liability. This is the difference between the new sale price and the original acquisition cost. This allows the Seller to provide the Buyer with a policy of insurance at a significantly reduced cost.

Endorsements
First American Title offers the full range of ALTA and CLTA endorsements to extend coverage for lenders and owners for specific conditions of title. Ask your First American Title sales representative or title officer for additional information on the coverage provided and the applicable cost.

Escrow Products
For buyers of First American title insurance, we provide a package that includes the Preliminary Report, Note, Deed of Trust, Good Faith Estimate, Truth-in-Lending Disclosure, Rescission (for refinances), Lender Instructions, and Estimated Closing Cost Sheet.

For sellers in our transactions, we provide a package including the Grant Deed, Escrow Instructions, Payoff, Statements, and the W-9 Form.

For lenders in our transactions, we provide a package that includes the Note, Deed of Trust, Grant Deed, Good Faith Estimate, Truth-in-Lending Disclosure, Rescission (for refinances), Lender Instructions, W-9 Form, and Impound Agreement.

Property Information and Customer Service
The Customer Service Department is dedicated to bringing you our current property information in a timely and efficient manner. Our resource, county public records, can be produced in a format that is useful and easy to merge with your word processing or contact management software. Our products include the Property Profile, Power Profile, Legal & Vesting, and various compilations of ownership data commonly called a Farm.

Instant information over the phone - our representatives have immediate access to a large volume of current property information so that questions can be answered quickly and efficiently.

Comparable sales can be provided for a specific property from the latest accumulation of county recorder's data.

Prospecting Information
State-of-the-art computerized prospecting information on disk or printout

Receive your next farming package on disk. Also, ask your First American Title sales representative about Instant Impact, our professional real estate software for windows, from Information Products.

Farm Analysis Statistics
We can provide a comprehensive printout of sales activity over a 12 or 24-month period based on your specifications. Consider including this summary in your listing packages for specific neighborhoods.

Mailing labels, self-adhesive and copy-ready
Our mailing packages are designed to reach owner-occupied or absentee-owned properties, or renters as "future homeowners". You simply provide the parameters for the search and we will deliver data specific to your needs.

Target marketing and geographic farms
Upon your request, we provide a detailed printout identifying each property, acquisition and ownership information along a specific street, within a subdivision or group of residential blocks, zip codes, or parcels.

Telemarketing Lists
Obtain ownership, acquisition, and property information surrounding a new listing or sale with telephone numbers when provided by the public records.

About our parent company
The First American Corporation, through its family of companies, is the nation's leading provider of business information and related products and services. Its subsidiaries operate within three complementary business segments: title insurance and services; real estate information and services; and consumer information and services.

Real Estate Information and Services
It is estimated that one or more of First American's products or services are involved in more than 90 percent of the real estate transactions that occur in the United States. With the world's most comprehensive collection of real estate information and property characteristics, First American is creating new ways of packaging our industry-leading real estate information products into combinations that meet the needs of an ever-changing market and an evolving customer base.

First American's reputation was built on the solid foundation of excellent work and conscientious service. As First American grows and diversifies through its family of companies, it continues to leverage the ingenuity of its skilled employees to find innovative ways to create and deliver valuable products and services to its customers.

First American Title Insurance Company is the largest company in the First American network. We offer our title insurance services through a system of more than 300 offices and 4,000 agents in all 50 states, as well as abroad in Australia, the Bahamas, Latin America, Canada, Guam, Mexico, Puerto Rico, the U. S. Virgin Islands, Hong Kong, Korea, Scotland, Ireland and the United Kingdom. Closing services are also available in many First American offices and are often an integral part of a multi-state, multi-site transaction.

Now well into its second century, First American is based in Santa Ana, California, and recently relocated to its new corporate campus off the 55 Freeway. Its founding family continues to direct operations.

Escrow Services
First American Title also offers escrow services in conveniently located community offices in the Glendale headquarters, Valencia, Westlake Village, and new San Dimas operation. A Long Beach office will be established this year to serve the wide variety of real estate sales and refinancing transactions in that growing economy.

Our escrow services are specialized to serve homebuilders, large commercial transactions and high volume acquisition and refinance lenders as well as individual property owners throughout Los Angeles County. A title company escrow provides several distinct advantages.

1. It is a corporation and has unlimited life.
2. First American provides Errors and Omissions as well as Fidelity Bonds on all aspects of its operations offering a wide umbrella of protection against misappropriation of funds or transactional errors.
3. Lenders prefer to fund loans through a title company. This process is referred to as sub escrow and is not required for a First American Title escrow transaction eliminating an additional charge on the closing statement.
4. Coordination between escrow and title operations allows for earlier identification and resolution of problems that may arise in specific instances or on a specific property.
5. Regional escrow administration assures consistency of professional conduct throughout the organization, continuous training, and process improvement.
6. Investment in technology streamlines the vast amount of paperwork required by even the simplest sale or refinance and organizes the information to assure timely processing and minimize errors.
7. Local in-house counsel for prompt, equitable problem resolution.