Page 7 - Home Buyers and Sellers Guide - Hawaii

SERVICES WE PROVIDE

Our products and services have been developed to address four important aspects of the real estate transfer
process: information, ownership, asset management and commitment. In each area, we have created the tools
and resources needed to ensure the most risk-free and expedient closing possible.

1. Information Services
The best real estate closings begin with good information.

We own and subscribe to leading industry information services for the most current market information,
including property profiles, farm reports and mortgage records. We have access to secure Internet-based
databases with millions of public real estate records and documents. We can prepare and deliver preliminary
reports and commitments electronically to multiple locations.

We provide real estate professionals with the most current ownership information available through a variety of
sources to assist them in selling property and locating the next opportunity. In addition, we provide a variety of
real estate insurance products to national lenders ranging from full ALTA policies to limited coverage policies.

2. Title Services
Insured ownership is at the heart of every transaction.

We work to remove any recorded encumbrances which are inconsistent with the terms of the transaction. We
offer traditional, fully-insured products like ALTA policies, as well as innovative products and insurance policies
in the refinance, second mortgage and equity markets. We respond quickly to unique circumstances with
flexible and creative approaches to title insurance.

3. Escrow Services
The careful management of assets ensures a smooth transaction.

We coordinate and process the entire real estate and mortgage closing procedure. Our services include: FINANCIAL RATINGS
document gathering, preparation and delivery of the Closing Disclosure when required, loan funds
disbursement, escrow withholding and document recording with the appropriate government authority; all
done in accordance with our clients’ instructions. We serve as a neutral third party working to benefit the Since 1992, no other title insurer has had higher overall financial strength ratings than Old Republic Title.
entire transaction and the parties involved. Our escrow personnel are proficient at complying with complicated
escrow instructions. In today’s uncertain economy, it is important to choose an underwriter you trust.

4. Client Service • Our statutory reserves and surplus are equal to 22.8 times of our 5-year average claim payments, placing
Old Republic Title in a position that is amongst the highest of all the national underwriting families. The
At Old Republic Title, we focus on providing optimum client service and deploying technologies that meet
the needs of real estate professionals, consumers and our clients. Our network of Property Information title industry would have to add $2.2 billion in additional surplus and reserves to be as strong as ours.
Departments provides a variety of products , including property profiles and FARMS. In addition, we subscribe • From 2008 through 2024, our market share has gone up 154.1%! Over that period, Old Republic Title has
to industry-leading information systems for the most current market data, information and public records and been the fastest growing national title insurance group in the nation.
documents. • Our cash and invested assets are equal to 468.3% of our 5-year aggregate claim payments, placing
Old Republic Title in a position that is amongst the highest of all the national underwriting families. The
To further support the needs of those we serve, we also provide several convenient digital tools. Many of these title industry would have to add $2.8 billion in additional cash and invested assets to be as strong as ours.
tools allow clients to directly open title and/or escrow orders, update property information, calculate closing
costs or search property details via their oldrepublictitle.com account, or through one of our applications. Since 1907, Old Republic Title has weathered challenging economic times, meeting obligations to policyholders
no matter the conditions. With underwriting expertise, exceptional products and services, and a commitment to
doing business with integrity, Old Republic Title is a name you can trust.

Strength & Stability for Over a Century

As of 06/03/2025 | © 2025 Old Republic Title | OR4677 | *Based on combined Form 9 Annual Statements for all insurers within each family, as compiled by the ALTA. December 31, 2024 | Old Republic
Title’s underwriters are Old Republic National Title Insurance Company and American Guaranty Title Insurance Company. Ratings as of 6/3/2025. Rating determinations made by rating agencies
are subject to change. There are four main rating agencies: A.M. Best, Standard & Poor’s, Moody’s and Demotech. Each of these rating agencies use their own proprietary scale to rate an insurance
company (A.M. Best: A+ to D; Standard & Poor’s: AAA to D; Moody’s: Aaa to Baa3; and Demotech: A” to S). While the Company attempts to show accurate information, it cannot assure the reliability of
ratings referred to herein and assumes no obligation to monitor the ratings of any rating agency or to immediately incorporate any rating changes applicable to the Company.

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