Pass-Thru Marketing Handbook

Really Good Marketing Ideas!

AGENCY PASS-THRU PROGRAM HANDBOOK MARKETING GUIDANCE FOR TITLE AND SETTLEMENT PROFESSIONALS

MARKETING MAXIMS • • • • • •

Don’t sell, educate.

Focus, specialize—you can’t be all things to everyone.

Build a Marketing Plan and follow it.

Everyone who works for you is in sales and marketing.

Your next client may be sitting across the table.

To get and keep your clients’ business, you need to know their business.

• • • • •

Treat every client as if they were your only client.

Under promise. Over deliver.

If you say no, provide an alternative.

People don’t buy what you do—they buy why you do it.

Ask for the business.

WHAT IS MARKETING? Marketing is a message that influences or causes a change in behavior.

Whether you are working to get a new client or capturing more business from an existing client, your sales and marketing efforts need to convince your client to change their behavior.

What makes your “dream” customers change their behavior to push more business to you?

Your Marketing Plan is a platform consisting of multiple approaches that compliments the way you sell your services.

Your messaging should be providing your prospects a clear understanding of not what you do, but why you do it.

CHOOSE YOUR WORDS WISELY Everyone is drawn to someone who naturally sees things from their point of view.

Does the content in your marketing or website sound like this: “We are the biggest, fastest, best service, do anything for anyone company,” or “We provide coverage in all 15 counties and have been in business for 15 years?”

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 11/2017

www.firstam.com ©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

As a prospect, this tells me you want to talk about yourself; you want to tell me what you do rather than why you do it. I want to see evidence and examples that you know how to talk and care about me. I need a company I can trust with my transactions. Someone who can get my buyer, seller or refinance transaction over the finish line. Someone who solves last-minute problems and keeps everyone happy through the final hours.

Ask your best customers why they use you. There you will find your best sales and marketing content.

I use ABC Title and Escrow because: • They help me solve for last-minute challenges.

• They anticipate challenges before they become an issue.

• They make me look good in front of my clients.

• • •

They position me for success by educating me.

I feel like they know more about my business then I do.

I trust them.

BUILDING A MARKETING PLAN Operating without a Marketing Plan is like constructing a building without a blueprint. You can do it, but chances are you won’t like the outcome. Having a plan allows you to explore and understand the direction you want to go, determine the actions necessary to get there and realize the potential consequences of those actions. The ultimate goal is to ensure every detail and person moves in the same direction and that marketing expenses become an investment.

Your Marketing Plan should address the following:

• What differentiates your company?

• What is the specific goal for each of these targets?

• Who are you not doing business with that you should be and how much business do they have?

• Which current customers have more business they can send you, and how much?

• What specific activities can achieve these goals and how much will they cost?

There are three key ingredients to differentiating your business.

Unique Proven Valuable

Outperform our competitors’ offerings Evidence of how/why your capabilities outperform the competition.

Economic impact and value to the customer.

Are your services and products, unique, proven, and valuable?

©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

AGENCY PASS-THRU MARKETING PROGRAM Available under the Agent Resource Center tab in AgentNet.1 The Agency Pass-Thru Marketing program is offered to First American Title agents interested in establishing or strengthening relationships with real estate agents, lenders and consumers. This valuable program can help you differentiate yourself from the competition and reinforce the value of your company by providing customized, industry-specific marketing materials to your customers.

Whether you are targeting new business, giving thanks for continued loyalty, or sending timely industry information, these business-building tools are an innovative way to secure your position as a valuable resource and industry expert.

Easily customize2 and download multiple pieces of material, covering a wide range of topics.

TYPES OF MATERIAL AVAILABLE Cyber Fraud Awareness and Education • Develop Hacker-Proof Passwords • Forgery Red Flags • Red Alert Fraud • Training Tips to Help Employees Spot Fraudulent Emails • Phone Wire Fraud - Spoofing • And More…

Tips to Identify Valid and Suspicious Email While companies may have spam filters and antivirus software, spam and phishing emails can still slip through employee inboxes.

Email recipients are the most critical element in preventing an attack. Here are some tips on how to identify the authenticity of a questionable email.

x Incorrect Grammar/Spelling/Text Body

PROTECT

With all the publicity about cyber fraud, many people are rethinking their online security and trying to WHAT IS RANSOMWARE? Ransomware is a form of malware that targets critical data and systems for the purpose of extortion. Currently, there are two primary types of ransomware: » Lockscreen: shows a full-screen message that prevents users from accessing their PC or files » Encryption: changes files so they can’t be opened

HOW DOES IT WORK? Ransomware directs a user to click a link to pay a ransom to the cybercriminal in order to regain access to their system or files.

What Do You Know About Wire Fraud?

HOW DID RANSOMWARE GET ON THE PC?

Ransomware can be inadvertently downloaded when a user visits a malicious website or a website that's been hacked. Links to these malicious sites and other malware can also be delivered by email (which can often seem as though it’s coming from a trusted source), infected removable drives or bundled in other software.

WHAT SHOULD I DO IF SOMEONE IS INFECTED HOW PASSWORDS ARE STORED WITH RANSOMWARE? Your bank, your credit card company, and the other

» Isolate and power-off all infected computers then sites you use don’t actually know your password. remove from network immediately They don’t even want to know your password. What » Secure back-up data or systems by taking them they store in their database is something called a “hash,” which is essentially your password’s digital offline » Contact local law enforcement, a local field office of thumbprint. When you set up an online account, the the Federal Bureau of Investigation (FBI) or U.S. Secret server takes your password and runs it through what’s Service to report a ransomware event and request called a “hash algorithm.” The result looks something like this: assistance

$

5f4dcc3b5aa765d61d8327deb882cf99

It’s this gobbledygook—and not the password itself— There is no one-size-fits-all response for victims. The that gets stored in the server’s database. When you payment link provided may be malicious and could lead log in, the server hashes the password you enter and to additional malware infections and there is no guarantee compares that to the hash stored in its database. that paying the fine or following the ransomware If the hashes match, they know you’ve entered the instructions will restore access. Deciding whether or not to correct password. pay the ransom requires serious evaluation of all options to Hash algorithms aren’t secret, however. In fact, protect customers, employees, and business. Victims will they’re well known. Though it would take millions of want to evaluate the technical feasibility, timeliness, and years for hackers to calculate all possible hashes for cost of restarting systems from backup versus payment of all possible passwords, they’ve already done this for the ransom. the obvious ones. So if you really want your accounts to be compromised, your best bet is to use an Proactive prevention is the best defense; businesses with obvious password. appropriate security measures in place may be able to eliminate the need to pay a ransom to recover data.

ABC Title Company

SHOULD I PAY THE RANSOM?

IDENTIFICATION REQUIREMENTS Recommended precautions to protect yourself AT CLOSING from WIRE/ACH Fraud:

HOW DO I PROTECT AGAINST RANSOMWARE?

» Implement awareness and training programs to educate staff about the threat and delivery methods » Schedule frequent, automatic back-up of your entire system to a secure storage system

integrity of backups and test the restoration What is» Verify wirethefraud? process

» Set web browser security level to detect unauthorized come up with hacker-proof passwords. But is there really such a thing as “hacker-proof”? At the very downloads least, you can lengthen the odds that anyone would get access to your email, your bank account, your » Enable web browser pop-up-blocker credit card information and your online business accounts. Here’s how.

HOW TO CREATE BAD PASSWORDS Just for fun, let’s assume that you want your important online accounts to be compromised. Here are some of the most effective passwords to accomplish this goal: • The name of any person, real or fictional, living or dead • The name of any place, such as the city or state you live in or the street where you live • Any word in any dictionary, in any language • A common phrase like “iloveyou” or “letmein”

Most legitimate messages will be written with HTML. It should be a mix of text and images. A poorly constructed phishing email may show an absence of images. This includes the lack of the company’s logo. If the body of an email is only an image as text, it’s possible that it is illegitimate. Outlook blocks showing images by default.

If the email is all plain text and looks different than what you’re used to seeing from a frequent sender, you may want to contact the sender directly in a new email or phone call.

x Links in the Email

A common practice is to avoid blindly clicking on links in an emails. Outlook allows you to hover over a link before clicking on it. If the link in the body of the email is different than what Outlook hovered preview reports, it is not legitimate. Even if it seems legitimate, open a new browser window and type the URL directly into the address bar. If you’ve clicked on a link, a phishing website will look identical to the original. However, your system may already Urgent Request for Personal Information be compromised. If you’re work email is connected to your tactic that isfrom commonly Always carefully examine theOne email address whichused by hackers is to alert phone, you will want to take extra precaution.

There are many steps title and settlement companies • Scrutinize links contained within emails by hovering that you must and/or update your personal you receive updates on your you transaction fromprovide your real can take to thwart email schemes and potential account over the link with the cursor to expose the information about an account (e.g., Social Security number, estate agent, escrow officer or settlement agent to associatedOnly web address. If a suspicious address is takeovers.

To help prevent a business email compromise Use Work Email for Work Purposes bank account details, account ensure it is correct. If an email seems suspicious, notify password). Phishers will in someone particular,toPricewaterhouseCoopers LLP, encourages revealed, authentication must be conducted. use this tactic to drive urgency for click on a Employees should avoid using their work emailfurther address for your real estate or settlement agent immediately. companiesaiming to train to identify suspicious malicious URL or download an attachment toemployees infect personal signups. These include social media websites or • Spot behavioral anomalies in payment requests that could indicate the emailcustomer is from aloyalty/ hackedreward or the user’s computer or steal theiremails information. programs.

Call your escrow officer or settlement agent immediately received via email. These anomalies include requests spoofed account. if you receive an email requesting to change the wiring received at odd hours, payments requested to instructions for your transaction. an unusual person, international wires or unusual Title and settlement companies can combat account ABC Title Company payment amounts. Many financial services firms Carefully review your personal takeover attempts by enhancing authentication and Bob Smith information on your are implementing additional controls—such as transaction paperworkAccount to ensure it is correct. payment controls as well as implementing automated Executive telephone call backs—to confirm authenticity of 123 Main Street fraud monitoring systems, PricewaterhouseCoopers said higher-risk transactions.

Communicate or confirm any changes Anytown, ST 01234 to the transaction in a report.

Protect yourself and remember to:

x

x

RED

Unfortunately, would-be fraudsters sometimes attempt to steal personal information and even money through real estate transactions. Cyber Fraud

ALERT

O: 555.555.5555 | F: 333.333.3333 with your real estate, escrow or settlement agent over

C: 444.444.4444 | www.ABCTitle.com PricewaterhouseCoopers also advises that companies test the phone or in person.

Tips to Train Employees Bob@ABCTitle.com employees by simulating business email takeover and Do not provide information about yourself or your phishing attacks, and adjust training programs to address Reprinted with permission of the American Land Title Association. • Carefully review email headers, domain names in the By: Michele Green, patterns VP, Senior Division Underwriting Counsel, First American Title Insurance Company • Repeated characters or well-known First American Insurance Company parties. makes no express or implied warranty respecting the information presented transaction to any unknown orTitle unnecessary field of the email, and the “reply-to” field identified weaknesses. and assumes no responsibility for errors or omissions. First American, the“from” eagle logo, First American Title, and AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY (“aaaaaaaaaaa” or “1234567890”) firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. of emails. For more suspicious emails, employers AMD: 05/2017 ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF The stories regarding hacked email accounts, forged wire instructions, cyber fraud and otherContact risks continue your settlement agent or real estate agent if you • Any of the above, with the letters reversed should review email headers using analyzer software. to be reported at an alarming rate. Protect yourself, your business and your customers by sharing these suspect your email address is being improperly used or If you use any of the strategies above, it’s just about helpful tips. if you do not receive funds in a timely fashion. guaranteed that anyone who wants to rip you off can ABC Title Company do so at any time. On the other hand, if you want Bob Smith In the cyber world, criminals are communicating with you posing as your customers. Worse, they are to create hacker-proof passwords, read on for some Account Executive communicating with your customers posing as YOU. 123 Main Street good strategies.

• Any of the above, with common character substitutions (@ for A, zero for O, etc.)

Wire fraud is an act of » Enable automatic security updates from operating fraud thatsystems, uses electronic applications and devices B Do not share your online banking logon credentials (user ID Bob Smith communications, Account Executive and password) with anyone.

To help defend against forgery and fraud, stateStreet notary laws include requirements that parties signing documents in such as making false 123 Main B Do not share your account number with anyone who doestonot a real estate transaction provide acceptable forms Anytown, ST 01234of identification. Although specific requirements may vary from ABC Title Company representations on the need it.

O: of 555.555.5555 | F:of 333.333.3333 state to state, here is a general overview the type(s) identification that are typically used to substantiate and Bob Smith telephone or via email, to C: 444.444.4444 | www.ABCTitle.com affirm identity.

Account Executive B Never access your bank account using a public computer (e.g., Bob@ABCTitle.com 123 money.

Main Street obtain at the library or a hotel business office).

Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333

When you buy a home, you'll be required to submit personal information to your lender and/or settlement or escrow agent. This information may include Social Security numbers, bank account numbers and credit and loan account numbers.

High-risk attachments file types include: .exe, .scr, .zip, .com and .bat. Spam filters will generally do a good job of quarantining those formats. Most companies commonly send and receive .zip, .doc, .docx, .xls, .xlsx, .ppt, .pptx and .pdf. However, a malicious sender can implant devious code in those formats as well. Once the attachment is opened, the computer is already compromised. Take caution if you have sent an email that has an attachment and the sender is questionable. You will want to verify the legitimacy of the email first. Next, you will want to examine the context of why the attachment is being sent.

x Email Format/Absence of Logos/Plain Text Email

Your Information ACCORDING TO THE FEDERAL BUREAU OF INVESTIGATION, MORE THAN 4,000 RANSOMWARE ATTACKS HAVE OCCURRED DAILY SINCE JANUARY 1, 2016.

x Suspicious Attachments

Many phishing email contain misspellings. Some of these messages have been poorly translated from other languages. Additionally, you will want to pay attention if the time or date appears in the message body of an email. If the email contains the date format of DD/MM/YY, 24-hour time or coordinated universal time (UTC,) it’s likely that the email’s point of origin generated outside of the United States.

is on the Rise!

Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

ABC Title Company DON’T BE A VICTIM! VIGILANCE AND A HEALTHY DOSE OF SKEPTICISM Bob Smith

Account Executive ARE THE BEST WEAPONS IN THE BATTLE AGAINST CYBER FRAUD. 123 Main Street

You’ve read the warnings: “Don’t wire funds in response to an email without using call-back procedures!” In Anytown, ST 01234 Reprinted with permission of the American Land Title Association. other words, call the party who appears toCopyright have©sent the email at a known, safe phone number and confirm O: 555.555.5555 | F: 333.333.3333 2004-2016 American Land Title Association. All rights reserved.

Wire and other disbursement instructions Confirm the account to which you are wiring that is they actually sent the email. Well, what happens if you receive a phone call from your intended funds C: 444.444.4444 | www.ABCTitle.com received by email should be confirmed by in the name of the party entitled to the funds; Bob@ABCTitle.com First American Title Insurance Company makes no express or implied warranty respecting the information presented and

recipient, asking that you wire the funds? assumes To be safe, you check your callertheID screen and Title, match it to the no responsibility for errors or omissions.

First American, eagle logo, First American and firstam.com telephone at a known or independentlyencourage buyers and sellers to do the same.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. known, safe number in your file. You evenarerequest an email confirming the instructions, and you receive it. confirmed number, NOT the telephone number First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. FirstBe American, the eagle logo, First Title, and firstam.com suspicious ofAmerican emails from free, public ©2016 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 05/2016

FirstN American Insurance makes no express or implied warranty respecting the information presented and ACC E P TA B L E I D E N T I F I C AT I O D OTitleCU M ECompany NTS assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY theOFbottom of TITLE the INSURANCE email you are trying to or trademarks of First American Financial Corporation and/or its affiliates. are registered trademarks AN INDEPENDENT POLICY-ISSUINGat AGENT FIRST AMERICAN COMPANY Monitor your accounts regularly for unauthorized transactions. are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. email account domains that pertain to the Are you good to wire? NO. One or more of the following may be requested to verify identification. The document must be current and contain confirm.

Report any unauthorized transactions to your bank movement of money, as these email accounts the document signer’s photograph, physical description, signature, and bear a serial or other identifying number. immediately. are often a source of risk.

Be especially skeptical of any change in 9 Valid Driver's License or Non-Driver ID 9 Foreign Passport Stamped by the U.S. Citizenship The information contained in this document was prepared by First American Title Insurance Company (“FATICO”) Fraudsters and thieves are utilizing prepaid “burner” phones and applications wiring instructions from us or any parties suspicious for informational purposes only and does not constitute legal advice. FATICO is not a law Be and this information is of emails from free, public email account Wire not fraud occurs when a not act upon this without seeking advice firm Issued by any State and Immigration Services (USCIS) intended to be legal advice.

Readers should from professional advisers.

Consider what email account domain you domains as they are often a source of risk. involved in the transaction. How often do that will “spoof” the caller ID of any phone number the caller chooses – even 9 United States Passport 9 Valid Canadian or Mexican Driver's License Issued First American Title Insurance Company makes no express or implied warranty respecting the information presented use for any financial business. As stated fraudster obtains money and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and people and businesses change their wire AN INDEPENDENT POLICY-ISSUING AGENTUnited OF FIRST AMERICAN INSURANCE firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or itsout affiliates.

9embedded Valid States Military IDCOMPANY by the Official Agency* Watch for phishing emails with links, evenTITLE when above, the free, public email account domains valid phone numbers of actual businesses. based on false representation instructions? Specifically, if you receive an 9source.

Veterans Health ID Card they appear to come from a trusted are a target for cyber-thieves and, without

444.444.4444 | www.ABCTitle.com HowC:does wire fraud Bob@ABCTitle.com work?

B

©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

AMD: 11/2015 ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 05/2017

B B

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 08/2017

or promises.

For example, you may receive wire instructions which appear to be from the settlement agent or attorney, when in fact they are from a fraudster.

ABC Title Company

B B B

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com The information contained in this document was prepared by First American Title Insurance Company (“FATIC”) for informational purposes only and does not constitute legal advice. FATIC is not a law firm and this information is not intended to be legal advice. Readers should not act upon this without seeking advice from professional advisers. First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 09/2016

email or any other communication that appears

Install a firewall on your computer to prevent unauthorized to be generated from our office, containing U N ACC E P TA B L E I D E N T I F I C AT I O N D O CU M E N T S access. new, revised or altered bank wire instructions, consider it suspect and call our office at a 8 instructions.

Temporary Driver’s License 8 Employee ID Badge Be skeptical of any change in wiring number you trust.

8 Driver’s License without a Photograph 8 Permanent Resident ID Card Confirm wire and other disbursement received 8 instructions Social Security Card by email via confirmed telephone at a known or independentlyconfirmed number, not the telephone number at the bottom of Closing document signatures must match the name that appears on the identification presented. An abbreviated the email. form (John D. Smith instead of John David Smith, for example) may be acceptable. However, deviation is only allowed if the individual is signing with less than and not more than what is on the identification document. If your ABC Title Company name has changed, or will change, prior to the closing, documentation must be provided to support the change. Bob Smith ABC Title Company Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 04/2015

additional levels of security, are particularly vulnerable to attack.

This fraud scheme is rampant - our industry is not the only target. These spoofing apps advertise themselves as a tool to “prank your friends,” but are actually being used by criminals posing as entities such as taxing Watch out for phishing emails with authorities, local bank branches and utility companies to defraud companies and consumers into sending embedded links, even when they appear to money or providing confidential Non-public Personal Information (NPI). come from a trusted source.

How does this affect the title insurance and settlement services industry? Fraudsters have quickly learned that our responsible settlement professionals have begun utilizing call-back procedures to validate and verify emails regarding wiring of funds, so they have begun calling us with spoofed caller IDs in order to circumvent our protective practices and procedures.

DON’T GET SPOOFED! An incoming phone call never takes the place of an outgoing confirmatory call before wiring funds.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY

*Not accepted in all states. Contact your closing/settlement agent for more information.

©2016 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 10/2017

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 12/2016

1 2

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

Not approved for use in California Customizable information includes company logo and personal contact information. ©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

General Marketing • Monthly News Brief • Consumer Tools and Education • Industry Partner Education • Sales Education • Activities for Children at Closing • Bilingual Material

5 1 2 3 4 5

neighbor replied the property he was mowing belonged to him, even though the line of trees separating the two houses looked as if the property belonged to the new homeowner. She called her title agent and found out the neighbor was correct. “How can that be? Didn’t you search my property?”

Unfortunately, the new homeowner did not and a survey and failed to purchase a survey.

Moving With

4

5

YOU CAN’T BEAT THE VALUE Owner’s title insurance is a onetime fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price.

It is not always the BIG things, but more often the LITTLE things that will motivate and inspire others into action. These valuable tips can help make the most out of your next Open House event:

6

7

PEACE OF MIND If you’re buying a home, owner’s title insurance lets you rest assured, knowing that you’re protected from inheriting possible debts or legal problems, once you’ve closed on your new home.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY

AMD: 12/2014

PROVIDE THE DETAILS Have property fact sheets with photos and area comparables available.

CLEAN AND UNCLUTTER Cleanliness signals to a buyer that the home has been well cared for and is most likely in good repair.

Share the Open House Checklist with your seller so they can help make the perfect first impression. ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

hectic of moving days. Pets can become anxious with the increase of activity prior to a move.

• GATHER CAR SUPPLIES Kennel and/or safely restraint, favorite toy or two, a leash for when stops are made, and plenty of water to keep your pet hydrated.

KEEP THE NOISE DOWN Turn the TV, dishwasher, washing machine and dryer off, then send pets to stay with a neighbor and turn on soft, instrumental background music.

pets across state lines. Contact the State Veterinarian

AMD: 08/2017

in your new location, allow sufficient time for your pet to adjust to the new neighborhood; it could take a few days or a few weeks.

• CARRY A CURRENT PHOTOGRAPH If your pet is lost during the move, a photograph will make it much easier to search effectively.

An Independent Policy-Issuing Agent of First American Title Insurance Company

The information contained in this document was prepared by First American Title Insurance Company (“FATICO”) for informational purposes only and does not constitute legal advice. FATICO is not a law firm and this information is not intended to be legal advice. Readers should not act upon this without seeking advice from professional advisers. First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

A quick search of the Internet will reveal numerous analytical First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com tools available to identify problem areas on your website, provide AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 11/2017 evaluations and offer suggestions for optimizing ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF performance Although closing procedures vary from state to state, having an and improving performance. Your time is valuable, so if the first understanding of what may be required at closing and preparing site you select doesn’t load quickly, provide relevant information and is difficult to navigate...Move On! accordingly will help the settlement process go as smoothly as possible.

tips FoR a timely Closing

» LEGIBILITY: Make sure the contract and any handwritten documents are easy to read. » CONTACT INFORMATION: Provide email address, phone numbers and office address, along with preferred method of communication and best time to contact, for all parties involved in the transaction; real estate agents, buyer(s), seller(s), attorneys, surveyor, inspector, Homeowner Association or Condo Association, etc.

» BILLS PAID: If debts pertinent to the transaction are to be listed on the closing documents and paid at closing, provide copies to the closing agent at least one week prior to closing. Once the closing documents have been approved by all required parties, modifications could delay the closing.

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

TO ENHANCE YOUR BUSINESS SOCIAL MEDIA IS HERE TO STAY AND CONTINUES TO EVOLVE IN RAPID FASHION.

» MARITAL STATUS: Providing current marital status These onlineofplatforms of all parties will help ensure accuracy the deedhave become an excellent portal for real estate and lending professionals to advertise and strengthen theirneed brandto image. In fact, given that two-thirds of Internet users research products online prior to purchase, and determine whether additional parties sign closing documents. having a social media presence is critical to the success of your business. Social media has the unique ability to target specific customers and empowers brands by promoting positive word of mouth. » POWER OF ATTORNEY AND TRUST PRACTICAL DOCUMENTS: The use ofBE a Power of Attorney Let readers know what services you provide and why (POA) must be approved in advance of settlement they matter. industry experience, longevity, by the closing agent and/or lender.

If youInclude are makes valuable, and market-specific planning to use a POA or thewhat property is you being elements differentiate you from the competition. held in or placed in a Trust, inform the that closing agent and lender as soon as possible.

SHOWCASE LISTINGS

individual properties and/or Open » FOREIGN INVESTMENT IN Highlighting REAL PROPERTY TAX ACT OF 1980 (FIRPTA):House If the events seller isand notencourage readers to share with friendsagent and family. a United States citizen, the closing may be required to deduct and withhold a tax equal to RELIEVE 15% of amount realized (generally the PAIN amountPOINTS paid Offer solutions to common pain points and provide for the property). Please advise your customers to answers review the FIRPTA requirements prior to tocommonly closing. asked questions.

AVOID INDUSTRY JARGON » INTERNAL REVENUE SERVICE (IRS): All real Use conversational estate transactions must be reported to the IRS.language that’s friendly, easy to andtomost importantly … helpful.

Inform your seller(s) that theyunderstand will be asked provide their social security number(s).

GATHER INFORMATION Asking open-ended questions is a great way to find potential leads. Example: Have a growing family, but shrinking house? What would your dream home include? Then find options and reach out.

SHARE, SHARE, SHARE Find an interesting article about changes on the east side of town? Share it. Details on new lending program? Share it. Commercial sales on the rise?

Share it.

HAVE FUN Social media doesn’t have to be all business. Share fun facts, charity events you’re involved in, holiday messages, etc. These posts give a personal touch to your page.

ABCare Title Company » MAIL-AWAY: If any parties unable to attend Bob Smith the closing, provide physical address(es) where Account Executive the closing documents should be delivered and 123 Main Street a contact phone number.Anytown, Some documents may ST 01234 require the services of a O: notary.

555.555.5555 | F: 333.333.3333

C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

ABC Title Company

ABC Title Company

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANYBob

Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

SOCIAL MEDIA

RELEVANT INFORMATION

Real estate agent

Your independent First American title agent can help determine the proper way to increase your title insurance coverage. In some instances, you will not need to purchase a new Owner’s Title Insurance Policy, and additional coverage may be available through a simple endorsement to your existing policy. However, if you purchased a policy many years ago, you may also want to review the nature of your coverage to determine whether it would be beneficial to upgrade your policy.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY

USING

Consumers get frustrated when a website is difficult to navigate, overly complicated or cluttered. If your website is effortless for users, they will stay; make it hard to navigate, they will leave.

Don’t make potential customers click their way through your site to find information that should have been prominently displayed on the landing page.

Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333

• ALLOW TIME TO ACCLIMATE Once you have arrived

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 08/2017

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

COVERAGE FOR A ONE-TIME PREMIUM The premium for an owner’s policy of title insurance is only paid once and covers you for as long as you hold an interest in the title to your commercial property.

If you previously purchased property and obtained an Then, ask yourself: C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com Owner’s Title Insurance Policy, it is possible that the • Has my property value appreciated since I amount of insurance in yourFirst policy not Company reflect the purchased Americandoes Title Insurance makes no express or implied warranty respecting the it? information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com AN INDEPENDENT POLICY-ISSUING are registered trademarks or trademarksyour of First American Financial Corporation its affiliates. current value of your property.

When refinancing • Has and/or my land-only purchase been improved with a AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY Buyers should a current physical address, AMD: 05/2017 ©2017 First American Financial Corporation and/or its affiliates. All rights reserved.provide NYSE: FAF mortgage or obtaining a construction loan/home equity residence? not a Post Office box, to receive documents, loan to improve your property, it is a good practice to • Have I made improvements to my property since I if necessary. Sellers should provide forwarding review the amount of your Owner’s Title Insurance Policy purchased it? address and new contact information in the event to confirm that it provides sufficient protection for your • Does the amount of my mortgage exceed the contact is required after closing. investment. amount of my current Owner’s Title Insurance Policy? » TRANSACTION FEE/COMMISSIONS: Provide the First, determine what kind of Owner’s Policy you have. amount to be listed on the closing documents and Some policies (such as the ALTA Homeowner’s Policy) If you answered yes to any of these questions, you may the parties paying/receiving these fees. provide automatic, but limited, increases in the Amount want to consider purchasing additional title insurance of Insurance to account for appreciation. Contact your coverage. » ADDENDUMS: Provide closing agent with copies title agent if you need assistance determining what kind of any revisions and/or addendums as soon as of policy you have. possible.

friendly accommodations can be found by searching a number of internet sites.

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

THE HIGH COST OF CLAIMS Title disputes are not cheap. Are you prepared to pay a lawyer to fight for you in court? Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim.

We are a nation of impatient people. If a website doesn’t load in 2-3 seconds, most consumers will move on to the competitor whose website is more responsive. Having all the bells and whistles on your website may look impressive, but if it’s slowing down page load time it may be costing you customers and affecting your bottom line.

ABC Title Company

ABC Title Company ABC Title Company

HOMESELLER GUIDE

A LENDER’S TITLE POLICY DOES NOT COVER YOU Your lender has required you to pay for a lender’s policy of title insurance, but that policy only provides insurance to the lender. You are not covered, and cannot make a claim, under a lender’s policy of title insurance.

EASY TO NAVIGATE

Bob Smith Obtaining a Construction Loan? Making Home Improvements? Refinancing Your Mortgage? You Account Executive 123 Main Streetthe amount of insurance in your Owner’s Title Insurance Policy. may want to consider increasing

• KNOW STATE REQUIREMENTS for the movement of

©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

• CONSIDER BOARDING your pet during the most

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

against loss due to disputes over boundaries, access rights and easements may be provided to you. Ask about available options for extended or expanded coverage via endorsement and otherwise.

LIGHTNING-FAST LOAD SPEED

Do You Need Additional Title Coverage?

that state when/where your pet was vaccinated. Keep in your new location to obtain the most current TEAM UP WITH OTHER PROFESSIONALS First American Title Insurance Company makes no supply express or implied warranty respecting the information presented an ample of current medications to lastanduntil a information. assumes no First American, the eagle logo, First American Title, and firstam.com Ask a local lender, home repair specialist, decorator orresponsibility for errors or omissions. are registered trademarks or trademarks of First American and/or its affican liates. provide refills. AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY veterinarian in Financial your Corporation new location • PET-FRIENDLY ACCOMMODATIONS Long-distance representative from your closing/settlement agency to • PROPER IDENTIFICATION IS ESSENTIAL Be certain moves may require an overnight stay. People and petattend and provide information about their services. that any required license tags are secured properly and the contact information is current.

know that the seller has properly transferred ownership rights to you.

Rarely does a consumer enter the query “real estate” unless they are considering the purchase or refinance of a property.

The content on your website should engage the customer and provide relevant information that answers their questions.

Carefully craft language to clearly establishes you and your company as experts in the field of real estate.

Moving to a home in a new location can be an exciting adventure, but it can also be the cause of stress and confusion for household pets. To minimize the trauma, here are a few tips that may help make your pet’s transition a little easier:

pet’s medical history along with rabies certifications

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 11/2017

8 IN 10 HOMEBUYERS AGREE Each year, more than 80% of America’s homebuyers choose to get owner’s title insurance.

AMD: 11/2015

ABC Title Company Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333

Your website helps build the foundation of a positive relationship between you and your customers. In a world filled with real estate Protect your rights in your commercial property investment by obtaining an owner’s policy of title insurance from First professionals, what steps can you take to stand out in the crowded online space? Research suggests the competition for customer American Title. attention comes down to who is delivering the requested content most efficiently and accurately. User expectations vary, but here are a few minimum requirements most consumers expect.

NOTHING COMPARES Homeowners insurance and warranties protect only the structure and belongings of your home. Getting owner’s title insurance ensures your property rights are protected.

• SCHEDULE A VET CHECK-UP Obtain a copy of your

ALL PERSONS WHO HOLD TITLE TO THE PROPERTY OR WHO WILL BE PURCHASING THE PROPERTY MUST ATTEND CLOSING TO SIGN DOCUMENTS State-specific laws may require the spouse of the parties in title, even though their name does not appear on the deed, to sign certain documents when obtaining a mortgage. If anyone is unable to attend closing, contact us to arrange a Power of Attorney or closing by mail.

OWNER’S POLICY OF TITLE INSURANCE

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 08/2017

Pets

• outstanding mortgages and judgments, or a lien against the property because the seller has not paid his taxes • pending legal action against the property that could affect you • an unknown heir of a previous owner who is claiming ownership of the property

HAZARD INSURANCE POLICY AND PAID RECEIPT A hazard policy, also known as homeowner’s insurance, with the lender designated as the insured holder of the mortgage, is required on most loans. Evidence of hazard insurance, including a paid receipt, must be provided prior to closing.

PAYING OFF EXISTING ACCOUNTS UNLESS YOUR LENDER REQUESTS IT

WARRANTIES IN YOUR DEED MAY NOT PROTECT YOUR OWNERSHIP OF THE PROPERTY Even if the seller warrants good title to you in the deed, the seller may not have the money to pay your losses if a problem arises, especially when the seller was a special purpose entity, as is often the case in commercial transactions.

When you purchase an owner’s policy of title The information contained in this document was prepared2017,

by First American Title Insurance for As of January there are over aCompany billion(“FATICO”) websites online. A search of real estate on a popular search engine returned 1,920,000,000 informational purposes only and does not constitute legal advice. FATICO is not a law firm and this information is not insurance from First American Title, you have the financial intended to be legal advice. Readers should not act upon this without seeking of advice from professional advisers. results and a similar result 282,000,000 was returned when searching the phrase real estate professional. The numbers get smaller power of First American to protect you against loss from First American Title Insurance Company makes no expressrefine or impliedyour warranty respecting but the information and as you further search, even apresented countywide search can return numbers in the tens of thousands. assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com covered claims.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

COVERS YOUR HEIRS As long as you or your heirs own your home, owner’s title insurance protects your property rights.

Note: If you receive an e-mail or any other communication that appears to be generated from our company that contains new, revised or altered bank wire instructions, consider it suspect and call our office at a number you trust. Our bank wire instructions seldom change.

SWITCH BANKS OR MOVE YOUR MONEY TO ANOTHER INSTITUTION

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

For more information about owner’s title insurance, ask an ALTA member or visit homeclosing101.org

Foreign Passport must have been stamped by U.S. Immigration and Naturalized Service

After the lender has verified your funds at one or more institutions, the money should remain there until

ABC Title Company

HERE’S WHY IT’S SO IMPORTANT FOR YOU:

3

» Current United States or Foreign Passport

WIRE TRANSFER In the event you are required to bring funds to closing, please contact us for bank routing instructions to wire the funds. If you will be bringing a proceeds check from another settlement, please contact us to verify the acceptance of those funds - we do not automatically accept all checks.

CHANGE JOBS A job change may result in your loan being denied, particularly if you are taking a lower-paying position or moving into a different field. Don’t think you’re safe because you’ve received approval earlier in the process, as the lender may call your employer to re-verify your employment just prior to funding the loan.

Adding on in the Future THEhave SELLER MAY restrictions NOT OWN THE PROPERTY OR HAVE Many residential platted lots building AUTHORITY TO SELL IT within a known as setbacks which prohibit building anything Title insurance against defects in title caused certain distance from the boundary lines.offers If youcoverage are thinking by fraud, forgery, incapacity, impersonation or the seller’s of adding on in the future, a survey will help you determine if lack of authority to sell the property. Commercial entities the property is right for both future plans. are your oftencurrent owned and by complex legal entities, and you need to

the boundary lines of the property, the improvements on the land and access to the

Buying a home is an exciting and emotional time for many people. To help you buy your home with more confidence, make sure you get owner’s title insurance.

» Valid Canadian or Mexican driver’s license issued by the Official Agency

How you hold title is affected by your marital status. Be sure to make both your lender and the title company aware of any changes in your marital status so that documents can be prepared correctly.

helps to protect it.

where the property is located on the earth,

property.

REDUCES YOUR RISK If you’re buying a home, there are many hidden issues that may pop up only after you purchase your home. Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen title discrepancies. Don’t think it will happen to you? Think again. Title claims can include:

VALID PHOTO IDENTIFICATION Two forms of identification are typically required at closing, including one of the following: » Valid U.S. driver’s license or non-driver ID » Military ID

CHANGE YOUR MARITAL STATUS

AMD: 11/2017

A survey is a map of real property that shows

Reprinted with permission of the American Land Title Association.

Open House

LET SOME FRESH AIR IN If the weather is nice, open the windows. Also First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates. consider fresh flowers, a small bowl of vanilla or potpourri.

but it does not show the details of the property location.

OWNER’S TITLE INSURANCE

TIPS FOR A SUCCESSFUL

LET THE LIGHT IN Open the blinds and put brighter bulbs in the lamps.

Bright, open rooms feel larger and more inviting.

A title search confirms ownership of property,

REASONS WHY EVERY HOMEBUYER NEEDS

2

Although the settlement process can vary from state to state, here are some common items that may be required from you at closing and can help your closing go as smoothly and quickly as possible.

C: 444.444.4444 | www.ABCTitle.com House Built on Incorrect Lot Title insurance protects the insured against covered title defects affecting the insured property. When you buy Bob@ABCTitle.com It may seem impossible, but sometimes a house is built on commercial property, you expect to enjoy important property rights as part of your investment. For example, you likely First American Title Insurance Company makes no express or implied warranty respecting the information presented and the wrong lot. A survey provides peace of mind by showing assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com expect to be able to rent or lease the property, to be free from debts or obligations not created or agreed to by you,or trademarks of First American Financial Corporation and/or its affiliates. are registered trademarks the exact location of the house you are buying. and to be able to freely sell your property or pledge it as security for a loan. Title insurance is designedAMD:to07/2017 protect these important property rights. Here are seven reasons you should purchase an owner’s policy of title insurance on Size the Company Property First American Titleof Insurance makes no express or implied warranty respecting the information presented and commercial property assumes no responsibility for errors or omissions. First American, the eagle logo, First Americaninvestment.

Title, and firstam.com AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY A survey the exact dimensions ofand/or theitsproperty’s are registered trademarksshows or trademarks of First American Financial Corporation affiliates. boundary lines and how much land is included within those BUYING COMMERCIAL PROPERTY IS A BIG INVESTMENT THE POLICY MAY COVER MORE THAN JUST OWNERSHIP lines.

For a one-time premium, an owner’s policy of title insurance Depending on the type of policy issued, coverage insuring

understand the difference between a title search

PROTECTS YOUR LARGEST INVESTMENT A home is probably the single largest investment you will make in your life. You insure everything else that’s valuable to you—your life, car, health, pets, etc., so why not your largest investment? For a one-time fee, owner’s title insurance protects your property rights for as long as you own your home.

During the

CLOSING PROCESS

Undisclosed Rights and Easements If your Loan advises you to pay off certain You may own your newOfficer home and its surrounding land, but bills in order to qualify for the loan, follow that advice.

Otherwise, leave your accounts as they are until your escrow closes. someone else might have a right to use a portion of your COMMERCIAL PROPERTY property. A survey will show physical evidence of the rights of MAKE ANY LARGE PURCHASES others to use your property for access, parking, utilities, and A major purchase that requires a withdrawal from your verified funds or increases your debt can result in other situations. your not qualifying for the loan. A lender may check your credit or re-verify funds at the last minute, so avoid purchases that could impact your loan approval.

Undiscovered Encroachments A survey may be the only way to tell if a third party holds a claim to part of your property because their improvements such as a garage, fence, or swimming pool, are on your land.

neighbor why he was mowing her lawn, the

1

Whether you are purchasing a home or selling a house, knowing what to expect and being prepared at the “closing” can help eliminate stress and result in a pleasant experience. We understand how important this transaction is to you, and we are committed to consistently providing a level of service that prepares you for this final step in your real estate transaction.

needed for the purchase.

FIVE GREAT REASONS TO PURCHASE A SURVEY

part of her front lawn. When she asked the

BEDROOM M E W W C G S D N F C G H F Q U G K B P EXCITING O G T Q R N J C U U N S G N I W S C A R FIREPLACE O A D H Q I M R H I E V W B R M U C Q U FRIENDS R R T G O T N N V O Q M Y O Y I K I R P FURNITURE F A D A L I W I S E O N O I D I Q Y X D GARAGE I G G B T C L D F B R L C H N N D K W H HOME R P B U X X B E D R O O M G I E I N F O HOUSE E B R F H E C E H D Z Z C Q Z Q N W M O KITCHEN P E R M F L M A S D O K A I U L Z O O A LIVING L A L S A R D G A A H Z Q F X U O V D S MOVING NEW A T X H O P I P W F C Y U V X R H H W P OCEANVIEW C V Y O O E O E Y A E R M Q Y P O N T N PACKING E K Y A G Z H A N J D K I A K E U R E P PLAYROOM S G P I V N B L K D E I L A I C S F O U PORCH O W E I V N A E C O S P W N T S E R D C RAINBOW M O V I N G H O L G Y E K M C S C K Y J ROOM H G U A A G P I X L N V K Q H H N B S A SCHOOL X K I R O S T G L P T P T C E K L A A P STAIRCASE F U K P E I C A O M X W O B N I A R X I SWING F HAVE Q C AZSECOND Z P XCHANCE O J JTOCMAKE Z J APGOOD V T FIRST N J IMPRESSION F N WINDOWS YOU NEVER

for Closing Day

NOT TO DO

We understand that by keeping you informed and helping you prepare for the closing day, the more likely you will have a stressfree closing experience. Our courteous and professional staff is proactive in their communication and works diligently to ensure the orderly and efficient transfer of real estate…and we do it with a level of service and friendliness that is hard to beat in this industry.

A new homeowner noticed a neighbor mowing

NewMy Home

Checklist

Things

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 08/2017

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 05/2017

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

AMD: 07/2017

Holiday Items • Printable Cards and Calendars • Ecards • Office Closure Door Signs • And More…

HAPPY

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY AMD: 11/2017

©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

Holidays ABC Title Company Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

ABC Title Company Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com AMD: 10/2015 Bob@ABCTitle.com

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 11/2017

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

Industry Reference, Training, Job Aids and More • How to Build a Sales Plan (Video)

American Land Title Association

Best Practices

– Pass-Thru Program Training

• Industry Reference Guides

We support and promote the ALTA Best Practices that highlight the policies and procedures our industry exercises to protect consumers. We are committed to providing quality service that strengthens relationships and ensures a positive and compliant real estate settlement experience for our customers.

Real Estate Customs Your State–by–State Guide

FIRPTA

Documents signed on: (The “date of this transaction”)

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

Foreign Investment In Real Property Tax Act

BEST PRACTICE #1

Establish and maintain current License(s) as required to conduct the business of title insurance and settlement services.

ABC Title Company

Mon.

2017 Rescission Calendar

Tues.

Wed.

Thurs.

Thurs.

Fri.

Sat.

Mon.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

Presidents’ Day (2/20)

Independence Day (7/4)

Columbus Day (10/9)

Martin Luther King, Jr. Day (1/16)

Memorial Day (5/29)

Labor Day (9/4)

Veterans Day (11/11)*

LIFE OF A JUDGMENT STATE

*The buyer or a member of their family must have definite plans to reside at the property for at least 50% of the number of days the property is used by any person during each of the first two 12-month periods following the date of transfer. When counting the number of days the property is used, do not count the days the property will be vacant.

Complete buyer’s declaration for $300,000 residence exemption form.

More than $300,000, but not more than $1 Million

More than $1 Million

Buyer is required by law to withhold 10% of the purchase price.

Buyer is required by law to withhold 15% of the purchase price.

Alabama

10 years 10 years

No

5 years

Yes

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

Rescission Ends

5

5

6

7

9

10

11

11

12

13

14

17

18

19

19

19

20

21

23

24

25

25

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

11

13

14

15

15

16

17

18

21

22

23

23

23

24

25

9

12

13

15

16

10

11

13

14

15

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

Rescission Ends

Consummation

5

5

6

7

8

10

11

12

12

13

14

15

17

18

Rescission Ends

STATE

# OF YEARS JUDGMENT IS VALID

# OF TIME YOU CAN RENEWABLE? RENEW THE JUDGMENT

1 4

2 6

3 7

4

5

8

8

6

7

9

10

8 11

# OF YEARS JUDGMENT IS VALID

STATE

# OF TIME YOU CAN RENEWABLE? RENEW THE JUDGMENT

28

29

30

31

1

1

2

3

14

15

16

19

20

17

18

20

22

23

24

25

15

16

17

18

19

20

21

22

23

24

19

19

20

17

18

21

22

21

22

24

25

21

22

26

23

26

27

27

24

25

26

27

28

29

30

31

28

29

29

30

31

1

3

4

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

4

5

6

8

9

10

10

11

12

13

15

16

17

17

18

19

20

22

23

24

24

25

26

27

30

31

1

1

1

2

3

9

10

11

22

23

24 25 26 27appropriate 28 29 30 Maintain professional liability insurance and fidelity coverage.

JUNE 15

16

19

20

13

14

19

20

22

23

24

26

28

28

29

30

1

3

5

Ohio

5 years

Yes

Indefinite

5 years

Yes

Indefinite

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

Rescission Ends

6

6

7

7

8

10

11

12

12

13

14

15

17

18

19

19

20

21

22

24

25

26

26

27

28

29

31

1

2

2

3

22

23

25

26

Indefinite Indefinite 1 Renewal

Maryland

10 years

Yes

Indefinite

Indefinite

Pennsylvania

5 years

Yes

Indefinite

10 years

Yes

Indefinite

Rhode Island

20 years

No

Yes

Indefinite

South Carolina

10 years

No

Mississippi Missouri Montana Nebraska

7 years 10 years 10 years

Yes Yes

Indefinite Indefinite

No

7 years

Yes

Indefinite

5 years

Yes

Indefinite

10 years

Yes

1 Renewal

Nevada

6 years

Yes

Indefinite

5years

Yes

Indefinite

New Hampshire

20 years

No

Indefinite

New Jersey

20 years

Yes

New Mexico

14 years

No

Illinois

7years

Yes

10 years

No

Iowa

10 years

Yes

Indefinite

New York

10 years

Yes

7years

Yes

Indefinite

North Carolina

10 years

Yes

South Dakota

Indefinite

10 years

Yes

Consummation Rescission Ends

1 5

2 6

3 7

4

5

7

8

6

7

9

10

8 12

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

14

12

13

15

16

14 17

17 21

18 21

21

27

BEST PRACTICE #6

J U LY

AUGUST Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

Rescission Ends

4

5

7

8

9

9

10

11

12

14

15

16

16

17

18

19

21

22

23

23

24

Indefinite

BEST PRACTICE #7

Adopt and maintain written procedures for resolving consumer complaints.

24

25

26

27

28

29

30

31

28

29

30

30

31

1

2

5

ABC Title Company

SEPTEMBER 11

12

13

14

15

16

17

18

19

20

21

13

14

15

16

18

19

20

20

21

22

23

25

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

8 years

Yes

Indefinite

Rescission Ends

4

5

6

7

10

11

12

12

12

13

14

16

17

18

18

19

20

21

23

24

25 First25 26 27 28 30 31 1 1 2 3 American Title Insurance Company makes no express or implied warranty respecting the information presented and

20 years

Yes

Indefinite

NOVEMBER

Tennessee

Utah

10 years 10 years 8 years

No Yes Yes

Indefinite

Washington

10 years

Yes

Indefinite

West Virginia

10 years

Yes

Indefinite

1 Renewal

Wisconsin

10 years

No

Indefinite

Wyoming

5 years

Yes

Consummation

1

2

3

4

Rescission Ends

6

7

7

7

5 8

6 9

7

8

11

12

9

Bob Smith 22 23 24 25 26 27 28 Account Executive 123 26Main27Street 27 28 29 30 2 Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com 22 23 24 25 26 27 28 Bob@ABCTitle.com

10

13

Indefinite

Vermont Virginia

Texas

Georgia Hawaii

Indiana

Oregon

1 Renewal

10 years

Yes

Indefinite

Yes

Michigan

20 years

Yes

10 years

Minnesota

Massachusetts

12 years

North Dakota

BEST PRACTICE #5

Consummation

Oklahoma

Indefinite

BEST PRACTICE #4

25 26 and 27 28 29 30 Adopt maintain written procedures related to title policy production, 28 29 1 2 3 3 delivery, reporting and premium remittance.

Indefinite

No

OC TOBER

29

30

3

4

29

30

31

assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

AMD: 06/2015

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

Rescission Ends

4

6

7

8

8

9

10

13

14

15

15

15

16

17

18

20

21

22

22

24

25

27

27

28

29

29

30

1

2

4

DECEMBER

Indefinite

Consummation

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

Rescission Ends

5

6

6

7

8

9

11

12

13

13

14

15

16

18

19

20

20

21

22

23

26

27

28

28

28

29

30

2

3

4

4

*Note that Friday, November 10th is the observed Federal Holiday for Veterans Day. Banks observe Veterans Day on Saturday November 11th.

Visit closingdates.firstam.com for Closing Disclosure timelines.

ABC Title Company

Timelines specific to state court judgments

©2016 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

27 31

Rescission Ends

Dates in RED Represent Sundays and Observed Holidays.

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY

26 30

1 Renewal

15 years

Idaho

AMD: 10/2014

25 28

M AY

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

The information contained in this document was prepared by First American Title Insurance Company (“FATICO”) for informational purposes only and does not constitute legal advice. FATICO is not a law firm and this information is not intended to be legal advice. Readers should not act upon this without seeking advice from professional advisers.

24 27

APRIL

ABC Title Company

First American Title Insurance Company and its affiliates expressly disclaim any representations or warranties that the guidance provided herein will satisfy any statutory or regulatory obligations, or will guarantee or otherwise ensure compliance with any applicable laws or regulations, including but not limited to FIRPTA, or other federal or state statutes or regulations.

[Agent] is solely responsible for ensuring that any services provided are in accordance with applicable law. It is [agents’] responsibility to review changes in laws, regulations and accounting practices that affect you and your business.

23 26

Adopt standard real estate settlement procedures and policies that help ensure compliance with and State Consumer Financial Laws as applicable to the 23 24 25 26 27 28 Federal 29 27 28 1 1 2 3 3 Settlement process.

Yes

Indefinite

Yes

7 10

Yes

Indefinite

Yes

6 9

10 years

No

Yes

5 8

20 years

Yes

12 years

4 8

Louisiana

Yes

10 years

3 7

Kentucky

6 years

10 years

2 6

Maine

10 years

DC

1 4

Indefinite

20 years

Delaware

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

Yes

Consummation Rescission Ends

1 Renewal

Colorado

Kansas

AMD: 02/2016

10 years

Yes

Connecticut

Florida

ABC Title Company

# OF TIME YOU CAN RENEWABLE? RENEW THE JUDGMENT

Arizona

California

$300,000 or less

# OF YEARS JUDGMENT IS VALID

Alaska

Arkansas

NOTE: If the seller believes they may be eligible for an IRS Withholding Certificate, they should contact a CPA or tax attorney regarding application form 8288-B in order to obtain a determination from the IRS whether a lesser amount is due.

Christmas Day (12/25)

MARCH

STATE GUIDELINES

What is the sales price?

BEST PRACTICE #3

Adopt and maintain a written privacy and information security program to protect Thanksgiving Day (11/23) Non-public Personal Information as required by local, state and federal law.

New Year’s Day (1/2) Observed

FEBRUARY

DOES THE BUYER HAVE DEFINITE PLANS TO USE THE PROPERTY AS THEIR RESIDENCE*?

Buyer is required by law to withhold 15% of the purchase price.

Sun.

Wed.

JANUARY

What are the withholding requirements when a seller is not a U.S. Citizen or U.S. Resident?

YES

Sat.

Wed.

Sundays and Federal holidays are excluded from the rescission period. Observed Federal Holidays include:

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 02/2015

NO

BEST PRACTICE #2

Fri.

Tues.

Adopt and maintain appropriate written procedures and controls for Escrow Trust Accounts allowing for electronic verification of reconciliation.

Rescission expires at midnight of:

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2015 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

Bob Smith Account Executive 123 Main Street Anytown, ST 01234 O: 555.555.5555 | F: 333.333.3333 C: 444.444.4444 | www.ABCTitle.com Bob@ABCTitle.com

First American Title Insurance Company makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or omissions. First American, the eagle logo, First American Title, and firstam.com are registered trademarks or trademarks of First American Financial Corporation and/or its affiliates.

AMD: 03/2017

AN INDEPENDENT POLICY-ISSUING AGENT OF FIRST AMERICAN TITLE INSURANCE COMPANY ©2017 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAF

TACTICS Your marketing strategy bears fruit when tactics are consistently executed. Each transaction you handle has multiple opportunities for you to increase your client base.

Opened Orders • For each open order, collect all relevant contact information from non-referring parties; loan officer, loan processor, bank attorney, listing agent, buyer’s agent, etc.

• In addition to calling each person above to introduce yourself and your company, considering sending each a copy of the Tips to Identify Valid and Suspicious Emails flyer from the Pass-Thru Marketing Program.

• The flyer is a perfect primer to begin dialogue with your new referral source. The end game being a one-on-one meeting or luncheon to start the relationship-building process.

Selling Across The Table Your next referring client is more than likely sitting at the closing table with you. This is your best opportunity to get their attention and focus.

• After closing, many of the Pass-Thru Marketing pieces offer excellent content for the non-referring parties.

• You can further customize these materials by placing a hand-written note on the back of a flyer, thanking them

for the opportunity to handle the transaction, as well as pointing out the one thing differentiating you from other companies. “My job is simple; protect your transactions by solving issues before they come to fruition. How about we meet for coffee tomorrow to discuss cyber fraud and how you can help protect your clients?”

Digital Tactics • Digital tactics can be powerful, especially when linked to multiple sources. For example, create a menu item and page on your website titled, Real Estate Agent Resource Center. Post .pdf files of select Pass-Thru Marketing items on the page, along with links to other content/websites related to agents’ interests.

• Take this a step further by placing the link to your new Real Estate Agent Resource Center on your Facebook, LinkedIn and other social media pages, and have every person in your company add it to their email signature.

The daily sending of email is a great way to drive traffic to your value-adding areas.

Joe Doe Senior Escrow Officer, ABC Title and Settlement 555-555-5555 Direct | Jdoe@ABDTitle.com Visit our Real Estate Agent Resource Center Today

©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF

Events and Seminars The constant and ever evolving threat of cyber fraud is one of the largest concerns of the real estate industry. Use cyber-fraud related Pass-Thru Marketing material to host an in-house training or workshop for real estate agents.

• • • •

Cyber Fraud & Theft - Protect Your Information Develop Hacker-Proof Passwords Tips to Identify Valid and Suspicious Email Forgery Red Flags

• Tips to Help Employees Spot Fraudulent Emails • Phone Wire Fraud – Spoofing • And more...

Social Media These online platforms have become an excellent portal for real estate and lending professionals to advertise and strengthen their brand image. In fact, given that two-thirds of Internet users research products online prior to purchase, having a social media presence is critical to the success of your business. Social media has the unique ability to target specific customers and empowers brands by promoting positive word of mouth.

• Be Practical Let readers know what services you provide and why they matter. Include industry experience, longevity, what makes you valuable, and market-specific elements that differentiate you from the competition.

• Content Variety Create a wide variety of valuable content to attract and engage potential customers. Note: Posts with photos or videos have a higher incidence of engagement.

1. Solves a problem 2. Creates an awareness 3. Industry News • Relieve Pain Points Offer solutions to common pain points and provide answers to commonly asked questions.

• Avoid Industry Jargon Use conversational language that’s friendly, easy to understand and most importantly … helpful.

• Gather Information Asking open-ended questions is a great way to find potential leads. Example: Have a growing family, but shrinking house? What would your dream home include? Then find options and reach out.

• Share, Share, Share Find an interesting article about changes on the east side of town? Share it. Details on new lending program? Share it. Commercial sales on the rise?

Share it.

• Have Fun Social media doesn’t have to be all business. Share fun facts, charity events you’re involved in, holiday messages, etc. These posts give a personal touch to your page.

Social Media Business Solution Tools www.facebook.com/business

www.business.linkedin.com

www.business.twitter.com

www.grow.google

For more ideas, reach out to your local First American Title Agency Representative.

©2018 First American Financial Corporation and/or its affiliates. All rights reserved.  NYSE: FAF