Because you have a lot to lose

Old Republic Title Insurance Group Annual Report 2004


Old Republic National Title Insurance Company

400 Second Avenue South

Minneapolis, Minnesota 55401-2499

(612) 371-1111 (800) 328-4441

(612) 371-1191 Fax

www.oldrepublictitle.com

Old Republic General Title Insurance Corporation

c/o Old Republic Title Company

2001 North Main Street

Suite 500

Walnut Creek, California 94596-7254

(925) 938-0300 (800) 325-7711

(925) 938-0404 Fax

www.ortc.com

Mississippi Valley Title Insurance Company

315 Tombigbee Street

P.O. Drawer 2428

Jackson, Mississippi 39225-2428

(601) 969-0222 (800) 647-2124

(601) 969-2215 Fax

www.mvt.com

American Guaranty Title Insurance Company

4040 North Tulsa

Oklahoma City, Oklahoma 73112-2461

(405) 942-4848

(405) 942-6482 Fax

www.americanguarantytitle.com

Because you have a lot to lose.

1


Some things you take for granted. Like title insurance.

But in the event that unsettled liens or claims arise, you could be forced to confront them — if you don’t have coverage, or if your title insurancecomes from an inferior provider. Believeus. We find and correct problems anderrors on many of the titles we insure.Ones that could have caused you prob-lems. Old Republic Title has been protecting home and property owners for over a century. So you can rest assured.

2


Keep your customers’ ownership cleanand tidy. Title insurance offers far superior protection than copycat productsand cut-rate services now on the market.Old Republic Title, unlike some compa-nies, has the financial strength, breadth ofexperience and long-term stability tosafeguard your customers — and you —from costly and time-consuming realestate title disputes. That way the focusstays on housekeeping — not on keepingthe house.

4


You work hard for that corner office. Let us help you keep it. Satisfied customersmake all of our jobs more successful —and rewarding. Yet one bad claim canjeopardize a good relationship or keepyou from reselling a mortgage portfolio.That’s why Old Republic Title is commit-ted to ensuring you and your customersstay satisfied and financially secure. We’rea flexible, stable partner for projects of alltypes — from single-family homes to largecommercial developments. What’s more,we offer a wide range of valuable prod-ucts and services to make your job easier.

6


Make sure your project gets off the ground.You can count on Old Republic Title to protect your security and financialinterests. Throughout the country, ourexperienced underwriters are ready to assist you with complex projects.We have the financial resources to standbehind our obligations. Furthermore, our$100 million single-risk limit allows us tounderwrite even the largest commercialdevelopments. No other title insurer canmatch our financial ratings. With OldRepublic Title, you’re on your way upand in good company.

8 9


Keep Old Republic Title in the picture.The Old Republic Title InsuranceGroup is one of the largest and oldestgroups of title insurers in the UnitedStates. We provide a complete line ofresidential and commercial title insur-ance products and services. For the12th consecutive year, we received thehighest financial strength ratings in thetitle insurance industry. No title insur-ance underwriter has matched our AA-rating from Standard & Poor’s and ourA1 rating from Moody’s InvestorsService. We’re quite proud of this fact,as you can imagine.

10 11

Old Republic Title Insurance Group Annual Report 2004 Old Republic Title Insurance Group Annual Report 2004

and our A1 rating from Moody’s Investors Service have never

been awarded to any other title insurance company. Our cus-

tomers can be confident our commitments will be honored

in any economic environment. Year after year we prove our

financial strength and long-term ability to stand behind our

obligations. Our dedication to the customer, our conserva-

tive philosophy and our attention to the balance sheet allow

us to accomplish such a task with confidence.

Exciting Opportunities and Expansion

In early 2004, we launched an initiative to simplify and reduce

the fear of the real estate settlement transaction for our

nation’s growing immigrant population. Our Residential

Information Services Division now offers dedicated resources

for Spanish speaking borrowers and for those lenders work-

ing with immigrants to achieve the dream of home

ownership. To support these resources we offer bi-lingual

employees, dedicated phone lines and web pages for the

immigrant community and title insurance and real estate set-

tlement service documents in Spanish. We also offer

informative brochures about title insurance and real estate

settlement services in Chinese, Russian and Vietnamese.

Our introduction of the Old Republic Packaged Services

Division (ORPAK) in early 2004 has been a success. Since the

announcement, the division has seen significant customer

growth. In June of 2004, ORPAK released its own web site,

ORPAK.net, which allows all customers to order and track the

status of a “bundled” package of real estate settlement serv-

ices. Through ORPAK.net, customers can easily select a

single product or a bundle of products and services and

instantly receive a single price for their selection. As the mort-

gage lending industry continues its progression towards a

bundled services environment, we are well positioned to be a

significant provider.

Two years ago we introduced our National Services Group to

the national residential lending community. Today we have

reorganized this group by aligning a number of formerly inde-

pendent operating units under a single new division, National

Residential Operations. This division and its operating units;

Residential Information Services (ORTRIS); Packaged

Services (ORPAK); Credit Reporting (OR Credit) and

Relocation Services (RELO), will take advantage of more

group interaction, greater cross-selling opportunities and a

collaborative sales and marketing approach to provide an

enhanced customer experience.

2004 in Review

Revenue exceeded $1 billion for the second year in a row, but

fell short of last year’s record volume. Net premiums and fees

for the Group were down 7.1% to $1.02 billion in 2004. While

revenues continued to benefit from the historically low mort-

gage rates, they were negatively impacted by a significant

decline in the volume of refinance transactions.

The housing and mortgage sector of the economy continued

its strong performance during the year. Mortgage interest

rates continued to hover at historically low levels throughout

2004 with the 30 year mortgage rate ending the year approx-

imately where it started, at about 5.8%. Existing and new

home sales both set new annual records. However, despite

the continued low interest rates, mortgage refinancing trans-

actions were down sharply from the previous year.

The Group’s claim ratio remained stable at 5.8% in 2004.

However, the expense ratio increased to 90.5% from 84.6% in

2003. The expense ratio was negatively affected by reserve

additions applicable to consumer and regulatory litigation in

California. Also, cost reductions during 2004 related to direct

operations were not proportionate to the drop in direct rev-

enue due to the necessary lag in reducing variable costs, and

certain fixed costs that cannot be easily reduced. As a result

the combined ratio increased to 96.4% from 90.4%. This led

to pre-tax operating income decreasing to $62.6 million from

the record of $129.6 established last year. Investment income

increased 8.5% primarily as a result of increasing investment

returns during the year.

About The Old Republic Title Insurance Group

Our services are provided through a number of wholly owned

insurance companies and ancillary service subsidiaries.

Our oldest insurer, American Guaranty Title Insurance

Company, dates back to 1889, while our leading title insurer,

Old Republic National Title Insurance Company, has served

the real estate and mortgage industry since 1907. Mississippi

Valley Title Insurance Company has been the dominant title

insurer in Mississippi, Alabama and parts of Tennessee for

decades. Other subsidiaries and divisions offer credit reports;

1031 exchanges; real estate appraisals; flood reports; real

estate information; national order management; commercial

real estate services; relocation services and the settlement

“bundle,” a flexible and full service package of products

and services.

For 12 years, the Old Republic Title Insurance Group has

received the highest financial strength ratings in the title

insurance industry. Our AA- rating from Standard & Poor’s

Our Residential Information Services Divisionnow offers dedicated resources for Spanish-speakingborrowers and for those lenders working with immi-grants to achieve the dream of home ownership.

Letter from the President:

net premiums & fees/claim costs( in mi l l ions)

$1,200

1,000

800

600

400

200

0

00 01 02 03 04

Net Premiums & Fees

Claim Costs

claim reserves to averagepast 5 year paid losses($ in mi l l ions)

ratio

12

10

8

6

4

2

0

$300

250

200

150

100

50

0

00 01 02 03 04

Claim Reserves

Average Past 5 Year Paid Losses

Ratio Reserves to Paid

Level & Adequacy of Reserves

12


13


As activity in the mortgage refinance market has decreased,

mortgage lenders have turned their attention to home equity

financing. We have developed efficient new products to meet

the needs of this growing segment of the market. We also

continue to work closely with our sister companies, especially

Republic Mortgage Insurance Company (RMIC), to jointly

market products and services and to build on their national

mortgage lender relationships.

Our acquisition and strategic alliance team remains active.

During 2004, we acquired Mara Escrow Company, which pro-

vides escrow closing services through five branch operations

in Los Angeles and Ventura Counties in California. As a pre-

mier, reputable and experienced escrow company, Mara Escrow

will complement our California title insurance business.

On January 1, 2005, we completed the acquisition of Frontier

Title Company in Fairfield, California. Frontier Title offers res-

idential and commercial title insurance and escrow services

throughout Solano County. The addition of Frontier Title adds

to our presence and our ability to service the demand for real

estate settlement services in the markets surrounding the

San Francisco Bay Area.

Also in January, we put into place our newest joint venture,

Midwest Community Title, L.L.C. Midwest Community Title

offers abstract and real estate settlement services in Linn

County, Iowa. With this expansion into Iowa, the Title

Insurance Group is now able to offer real estate settlement

services in all 50 states.

Management Changes

During the year we were saddened by the passing of Chad

Nash, Senior Vice President and General Counsel of the Old

Republic Title Insurance Group. Chad was a friend to all and

enriched our Company and those who knew him in immeas-

urable ways. Chad’s wit, wisdom and counsel will be greatly

missed. To strengthen our organization, Mark Budzinski has

assumed the duties of Senior Vice President, Law &

Corporate Affairs and Daniel Wold was promoted to Vice

President & General Counsel of Old Republic National Title

Insurance Company.

2005 Outlook

We expect mortgage interest rates to slowly increase through-

out the coming year. As a result, real estate and mortgage

origination activity will decline from the unprecedented levels

experienced the past two years. Despite these reductions in

activity, we expect residential home sales to remain relatively

strong. With our unmatched financial strength, and continued

enhancements in products, services and operations, we are

well positioned to deal with the challenge of a changing market.

I would like to personally extend my gratitude and apprecia-

tion to all our employees and agents for making this company

the outstanding organization it is. I am very proud of your

work ethic, dedication and accomplishments. Simply put; you

are the best! Finally, we wish to thank our customers for the

loyalty and trust they place in us. We will continue to work dili-

gently to ensure we provide you with the best possible service.AA- Standard & Poor’s

A1 Moody’s

AA- Fitch Ratings

A" Demotech

Letter from the President: continued

Highest rated 12 years in a row

Rande K. Yeagerpresident and chief executive officer

Corporate Bonds

Tax-ExemptSecuri t ies

Cash & Short -TermInvestments

Equity Secur i t ies& Other

U.S. Government& Agency

composition of cash & invested assets

26%

37%

9%

11%

17%

A

AA

AAA

BAA& Other

quality distribution of fixedmaturity securities portfolio

19.5%

34.2%

31.2%

15.1%

With our unmatched financial strength, and continued enhancements in products,

services and operations, we are well positioned to deal with the

challenge of a changing market.

net premiums & fees/equity($ in mi l l ions)

ratio

12

10

8

6

4

2

0

$1,200

1,000

800

600

400

200

0

00 01 02 03 04

Net Premiums & Fees

Equity

Ratio of Net Premiums & Fees to Equity

claim reserves/equity( in mi l l ions)

$700

600

500

400

300

200

100

0

00 01 02 03 04

Claim Reserves

Equity

Total Claim Reserves & Equity

cash & invested assets/total liabilities($ in mi l l ions)

200%

150

100

50

0

$700

600

500

400

300

200

100

0

00 01 02 03 04

Cash & Invested Assets

Total Liabilities

Percentage of Cash & Invested Assets to Total Liabilities

Capital

Quality & Liquidity of Assets

14 15


Summary Financial Data Balance Sheetsand Key Statistics

Old Republic Title Insurance Group, Inc. Old Republic Title Insurance Group, Inc. a wholly owned subsidiary of Old Republic International Corporation

($ in millions) 2004 2003 2002 2001 2000

financial position

Cash and Fixed Maturity Securities $588.6 $ 558.0 $481.7 $ 411.0 $365.5

Equity Securities 21.7 29.4 22.5 18.0 9.1

Other Invested Assets 14.3 9.3 9.3 9.0 10.1

Sundry Assets 128.3 123.6 106.3 97.9 106.4

$753.0 $720.5 $619.9 $536.0 $491.2

Claim Reserves $277.0 $259.0 $225.6 $ 215.6 $212.0

Other Liabilities 104.5 85.7 94.0 80.7 74.9

Equity 371.4 375.6 300.3 239.6 204.2

$753.0 $720.5 $619.9 $536.0 $491.2

operating results

Net Premiums Earned $714.0 $749.9 $524.8 $382.7 $307.6

Service Fees and Other Income 312.2 354.4 289.1 243.5 187.0

Net Investment Income 25.5 23.5 22.5 22.7 24.0

1,051.8 1,128.0 836.5 648.9 518.7

Claim Costs 59.7 63.8 40.7 25.1 17.5

Sales and General Expenses 929.5 934.5 698.1 548.7 460.8

989.2 998.3 738.9 573.9 478.4

Pretax Income $ 62.5 $129.6 $ 97.6 $ 75.0 $ 40.2

Operating Cash Flow $ 74.6 $ 129.5 $ 96.3 $ 73.4 $ 43.0

underwriting statistics (a)

Loss Ratio 6% 6% 5% 4% 4%

Expense Ratio 90% 85% 86% 87% 92%

Composite Ratio 96% 91% 91% 91% 96%

composition of pretax income

Underwriting/Service Income $ 36.9 $106.0 $ 75.0 $ 52.2 $ 16.2

Net Investment Income 25.5 23.5 22.5 22.7 24.0

Pretax Income $ 62.5 $129.6 $ 97.6 $ 75.0 $ 40.2

Pretax Margin 5.9% 11.5% 11.7% 11.6% 7.8%

key ratios

Premiums & Fees to Equity 2.8x 2.9x 2.7x 2.6x 2.4x

Claim Reserves to Equity 75% 69% 75% 90% 104%

Ending Claim Reserves to Most Recent

5 Years’ Premiums & Fees 6.8% 7.2% 7.4% 8.1% 8.9%

Reserves to Paid Losses (b) 9.5x 10.1x 9.2x 9.9x 10.1x

Cash & Invested Assets to Liabilities 164% 174% 161% 149% 135%

The above Summary has been prepared on the basis of generally accepted accounting principles and

excludes realized investment gains and losses.

(a) Loss and expense ratios are measured against combined premiums and fees.

(b) Represents average paid losses for the most recent 5 years divided into ending claim reserves.

december 31,

(in thousands) 2004 2003

assets

investments (other than investments in related parties)

Available For Sale:

Fixed Maturity Securities (at fair value)

(cost: $526,182 and $454,360) $ 541,031 $ 478,544

Equity Securities (at fair value)

(cost: $21,393 and $27,719) 21,791 29,451

Short-Term Investments (at fair value which approximates cost) 40,788 72,833

Held to Maturity:

Mortgage Loans on Real Estate and Other Long-Term Investments

(principally at cost) 6,933 2,033

Total Investments 610,545 582,863

other assets

Cash 6,803 6,720

Securities and Indebtedness of Related Parties 1,917 2,054

Accrued Investment Income 7,394 7,273

Accounts Receivable 14,476 10,629

Federal Income Tax Recoverable: Current — 3,999

Property and Equipment (at depreciated cost) 34,344 34,730

Title Plants and Records 24,533 24,624

Goodwill 25,929 21,206

Sundry Assets 27,153 26,415

Total Other Assets 142,552 137,654

Total Assets $753,098 $ 720,517

liabilities and common shareholder’s equity

liabilities

Losses, Claims and Settlement Expenses $277,086 $259,092

Commissions, Expenses, Fees and Taxes 68,871 49,726

Federal Income Tax: Current 1,326 —

Deferred 14,565 20,759

Debt 9,090 3,573

Sundry Liabilities 10,673 11,723

Total Liabilities 381,613 344,876

common shareholder’s equity 371,484 375,640

Total Liabilities and Common Shareholder’s Equity $753,098 $ 720,517

The above Balance Sheets have been prepared on the basis of generally accepted accounting principles.

16 17


Products & Services

Title Insurance

Real Estate and Mortgage Loan Settlement Services

Credit Reporting

Bankruptcy Reporting

Real Estate Information Services

Real Estate Appraisals

Automated Valuation Models

Flood Determinations

Section 1031 Exchanges

Home Warranty

Notary Services

Relocation Services

Document Preparation

Commercial Real Estate Site Management Services

Because you have a lot to gain.At Old Republic Title,we’re more than strong,innovative products andservices. We transformwords into action.

We have the knowledge, experience and wealth of resources

necessary to carry our customers throughout the entire title

insurance and real estate settlement process. Whether it’s a

single product or service or a bundled offering, you can find

it here — along with unparalleled customer service and an

efficient, positive experience.

Title Insurance

We offer a complete line of residential and commercial title

insurance policies, issued through our national network of

offices and independent agents. From full ALTA Home

Owners title policies to limited coverage policies to owners’

and encumbrance reports, the expertise of our agents and

employees allows them to respond quickly to your specific

needs. We also resolve unique title insurance matters using

appropriately creative approaches.

Real Estate and Mortgage Loan Settlement Services

Our employees and agents are experienced, friendly profes-

sionals who are thoroughly trained in the coordination,

implementation and communication of real estate and

mortgage loan settlement procedures. You can be confident

that the HUD-1, funding and document recording will be

done efficiently, correctly and on time.

Real Estate Information Services

Our real estate information products provide who is “in title,”

whether taxes are owed, and if liens or judgments have been

filed against a parcel of real estate. Databases maintained by

Old Republic Business Information and Technology (ORBIT)

and ADI Reporting (ADI) package all this information to

provide customers with Internet-accessible public real estate

information and document images.

1031 Exchange Services

Our nationwide network of 1031 exchange specialists help

consumers, investors and real estate professionals maximize

tax savings through tax-deferred real estate exchanges. As a

Qualified Intermediary, each specialist assists at every stage

of the process. Whether your transaction is traditional,

reverse or personal property exchange, we facilitate the

process, ensuring efficient and accurate handling.

Relocation Services

Relocation management companies and corporate in-house

real estate programs have unique title and closing needs.

Old Republic Title’s relocation specialists provide exceptional

service in every phase of the title insurance and real estate

settlement process — no matter where the transaction

occurs. Your single contact will provide a complete package of

services and coordination needed from beginning to end.

Commercial Real Estate Services

Commercial real estate transactions require special expert-

ise. At Old Republic Site Management Services (ORSITE),

we process and manage multi-state, multi-site commercial

projects through our one-stop commercial transaction coor-

dination facility. Our ORSITE experts provide a package of

services customizable to each and every transaction, ranging

from a single commercial survey to title insurance and all the

ancillary functions necessary to transfer or secure ownership

of the property.

Credit Reporting

For those in need of credit reports, Old Republic Credit

Services (ORCredit) offers a Web-based credit-reporting

mechanism that’s easy to use and instantly updated. Data are

readily integrated into lenders’ systems, resulting in an easy-

to-read credit report with flexible data-sorting options.

Packaged Services

Old Republic Packaged Services (ORPAK) makes available all

our real estate transfer and mortgage settlement products

and services in a simple, flexible, easy-to-order package.

Packages may contain any combination of our products and

services and may also include bankruptcy reporting,

real estate appraisals, automated valuations, flood determi-

nations, home warranty and notary services. Orders for

packaged products and services can be placed, tracked and

received online with the simple click of a button.

18 19


Old Republic International Corporation

Consolidated Financial Summary

(in millions, except per share data) 2004 2003 2002 2001 2000

Consolidated Assets $10,570 $9,712 $8,715 $7,920 $7,281

Common Shareholders’ Equity 3,865 3,553 3,155 2,783 2,438

Total Capitalization 4,008 3,691 3,297 2,943 2,677

Net Premiums and Fees Earned 3,116 2,936 2,423 2,029 1,736

Pretax Income 650 679 560 506 428

Net Income 435 459 392 346 297

Diluted Earnings Per Share 2.36 2.51 2.16 1.92 1.65

While each subsidiary of our parent organization, Old Republic International Corporation (ORI), operates its own business and is solely responsible for its obligations,

the overall strength of ORI provides added assurance of our long-term commitment. ORI resources provide a high degree of flexibility in managing a diversified financial

services business and in gaining better access to the capital markets as needs and opportunities arise. A long history of above average performance and its substantial

capital resources have earned ORI high financial ratings of Aa3 and A+ from Moody’s and S&P, respectively.

performance. This long-term orientation results in a strong,

loyal customer base and a focus on the accumulation of

shareholder value over time.

ORI is comprised of three major insurance groups: the

Title Insurance Group (which is discussed in this annual

report), the General Insurance Group, and the Mortgage

Guaranty Group.

General Insurance Group

Old Republic’s General Insurance Group ranks among the

100 largest property and liability insurance groups in

the United States. It is primarily engaged in commercial lines

of property and liability insurance and is the largest ORI

operating unit. The General Insurance Group provides

all necessary services that complement the basic insurance

function — engineering of risks, claims reporting and con-

trol, and management of self-insured and captive insurance

programs. Primary industries served by the General

Insurance Group include transportation, contracting, general

manufacturing, general aviation, financial services, and

energy, among others.

Old Republic International Corporation (ORI) is a financially

strong and efficient insurance enterprise. Since 1923, ORI has

grown as a specialty insurance business, though its oldest

subsidiary has insured lives since 1887. ORI is one of the 50

largest publicly held insurance organizations in the United

States, with substantial interests in major segments of the

insurance industry — property and liability, mortgage guar-

anty, and title. A small life and health operation is also owned.

This broad diversification in the types of insurance provided,

and geographic regions and industries served, affords ORI

a great deal of operating flexibility. ORI’s specialization in

certain industry lines within its insurance segments allows

the Company to serve customers knowledgeably and meet

their changing needs over the long term.

ORI has shown positive operating results for 63 of the last

64 years. With capitalization of $4 billion, the Company is one

of the industry’s strongest players. The strength of ORI’s bal-

ance sheet is marked by a high quality investment portfolio,

no derivative types of securities, and a high degree of liquidity.

The Company’s conservative management, investment and

accounting policies ensure the reliability of its operating

Mortgage Guaranty Group

Republic Mortgage Insurance Company is the flagship carrier

of the Old Republic Mortgage Guaranty Group. Premiums

originate from mortgage bankers, brokers, commercial

banks, and savings institutions. Insurance provided by the

Mortgage Guaranty Group protects these lenders against

losses due to default by borrowers on first-mortgage loans.

Old Republic International Corporation

ORI is one of the 50 largest publicly held insurance organizations in the United States,with substantial interests in major segments ofthe insurance industry — property and liability, mortgage guaranty, and title.

20


primary subsidiaries and offices

Old Republic National Title Insurance Company*Golden, COFairfield, CTDover, DEWilmington, DEDeerfield Beach, FLFort Myers, FLJacksonville, FLLakeland, FLNaples, FLSarasota, FLTampa, FLWinter Park, FLAlpharetta, GAIndianapolis, INLouisville, KYBoston, MAColumbia, MDPetoskey, MIMinneapolis/St. Paul, MNORBIT, Minneapolis, MNSt. Louis, MOBedford, NHHackensack, NJFairfield, NJAlbuquerque, NMAlbany, NYNew York, NYRaleigh, NCColumbus, OHOld Republic Title, Residential

Information Services and Packaged ServicesAkron, OH

Independence, OHState College, PAWayne, PAColumbia, SCChattanooga, TNNashville, TNORSITE, Flower Mound, TXHouston, TXManassas, VARichmond, VAMadison, WIMorgantown, WV

Old Republic Title Insurance Agency, Inc.Phoenix, AZ (Maricopa and Pinal Counties)

Old Republic Exchange Facilitator CompanyPhoenix, AZCarmel, CAGlendale, CAIrvine, CAOakland, CA

Ontario, CAPetaluma, CASan Diego, CASan Francisco, CASan Jose, CASacramento, CA Deerfield Beach, FLTampa, FLAtlanta, GAHonolulu, HICincinnati, OHBoston, MAMinneapolis, MNJackson, MSLas Vegas, NVPhiladelphia, PAHouston, TXSeattle, WA

Old Republic General Title Insurance Corporation*Walnut Creek, CA

Old Republic Title CompanyAlameda, CA (Alameda County)Oxnard, CA (Ventura County)Capitola, CA (Santa Cruz County)Glendale, CA (Los Angeles County)Concord, CA (Contra Costa County)Modesto, CA (Stanislaus County)Placerville, CA (El Dorado County)Redwood City, CA

(San Mateo County)Riverside, CA (Riverside and

San Bernardino Counties)Roseville, CA (Merced and

Placer Counties)Fair Oaks, CA (Sacramento County)Salinas, CA (Monterey County)San Diego, CA (San Diego County)San Francisco, CA (San Francisco

County)San Jose, CA (Santa Clara and

San Benito Counties)San Rafael, CA (Marin County)Santa Ana, CA (Orange County)Petaluma, CA (Sonoma County)Stockton, CA (San Joaquin County)Davis, CA (Yolo County)Napa, CA (Napa County)

Mara Escrow CompanyLos Angeles, CA (Los Angeles County)

Frontier Title CompanyFairfield, CA (Solano County)

Old Republic Title & Escrow of Hawaii, Ltd.Honolulu, HI

ADI Reporting ServicesFramingham, MA

Mississippi Valley Title Insurance Company*Jackson, MS

Old Republic Title Company of Kansas City, Inc.Kansas City, MO

Old Republic Title Company of St. Louis, Inc.St. Louis, MO

Old Republic Title Company of NevadaLas Vegas, NV (Clark County)

The Title Company of North Carolina, Inc.Asheville, NCCharlotte, NCKill Devil Hills, NCRaleigh, NCStatesville, NCWilmington, NCWinston-Salem, NC

Lex Terrae Ltd. New York, NY

Lex Terrae National Title Services, Inc.Hoboken, NJ

Lex Terrae Service Corp.New York, NY

Kasparnet and AssociatesAkron, OHCleveland, OHMedina, OHRavenna, OH

American Guaranty Title Insurance Company*Oklahoma City, OK

American Guaranty Title CompanyOklahoma City, OK

Old Republic Title Company of TennesseeNashville, TN

Old Republic Title Company of ConroeConroe, TX

Houston Title CompanyHouston, TX

OId Republic Title Company of UtahProvo, UT

Old Republic Title, Ltd.Seattle, WA (King County)Lynnwood, WA (Snohomish County)

*denotes insurers

Old Republic Title Insurance Group

Documents

Because you have a lot to lose