Transcription

TITLE TOPICSO H I O L A N D T I T L E A S S O C I AT I O NAPRIL 2 0 1 5Serving the Needs of Ohio’s Land Title Industry Since 1910.PRESIDENT’S MESSAGEA Great Transaction Will Feel Like It!by Anne E. Taylor, Esq.“I’ve learned that people will forgetwhat you said, people will forgetwhat you did, but people will neverforget how you made them feel.”– Maya AngelouThe other day, I was discussing arecent closing with a real estateagent, and she was telling me howgreat the transaction had been andhow her clients were extremelyhappy. Of course, they were excited to be starting a new chapterin their lives and for their new home, but what she said really madea difference was how everyone had made them “feel at ease.”They were first time homebuyers and, in addition to the multitudeof well-intended advice from friends and family members, they hadeach heard their fair share of horror stories. They were ready fora home of their own, but they were nervous about the pitfalls andwanted to “get it right.”Once they had a contract in place, these buyers were ready withtheir home inspector, their mortgage lender and, (most importantly)their settlement and title insurance agent. In this day of informationoverload and disclosures about disclosures, it didn’t take longbefore their heads were swimming and they were struggling todigest it all, and to prioritize what mattered. This is the momentwhere the right professionals make all the difference. Their homeinspector took time to walk through the home with them, to revieweach issue noted in the report, and to tell them which ones neededimmediate attention, which ones had the potential to becomeworse, and which ones were routine, maintenance and repair. Theirmortgage lender listened to their priorities and presented variousloan products for comparison of current cash requirements, shortterm cost and long term savings. And as their title professionals,we explained the closing process, our search, the title insuranceproducts, and walked them through the finish line.We’ve all been through such a process countless times. Somedays, it can even feel like we are a broken record and living ourown version of the movie Groundhog Day. We know that we canpresent the same information to fifty different buyers and each mayfocus on something slightly different. The key to the success of it allis not that we have new information each time, or a specific methodof presentation, but that we do so in a manner that resonates withthat individual buyer.continued on page 6INSIDEOHIO LAND TITLEASSOCIATIONn President’s Messagen Director’s Message12n The Boardwalk3n Dower’s Time has Past 5n Mortgage Satisfaction 8n OLTAPAC Donors12

APRIL 2015DIRECTOR’S MESSAGEby Mark Bennett, CAE“ WE SINCERELY THANK THEGENEROUS SPONSORS AND EXHIBITORSOF THE SPRING SEMINAR WHO GREATLYOHIO LAND TITLEASSOCIATIONMADE THE SEMINAR A SUCCESS . ”Be A Participant in Shaping the Title IndustryI have heard from many title agents this year about the many challenges beforethem. You can make a difference and participate at the state level to positivelyaffect the environment in which you work. One way you can affect a friendlylegislative environment in the state is to build relationships with your members ofthe Ohio General Assembly.Title Topics is the official publicationof the Ohio Land Title Association.The views expressed are not necessarilythose of the association, its staff,officers or trustees. Articles may not bereprinted without the consent of OLTA.Announcements, including new hires andpromotions, may be submitted to the OLTA officefor publication in Title Topics. Announcementsshould include the name, his/her position,company and other relevant information. Itemsshould not be self-promoting or commercial.Submissions are subject to acceptance andediting by the editor of Title Topics.OLTA PUBLICATIONS CHAIRTom FieglADDRESS CORRESPONDENCE TOOhio Land Title Association1100-H Brandywine BlvdZanesville, OH 43701-7303Toll Free: 888-292-OLTA (6582)Phone: 740-450-1315 Fax: 740-452-2552Email: [email protected]: www.OLTA.orgOLTA OFFICERS & TRUSTEESPresident – Anne E. Taylor, Esq.President-Elect – Donald P. McFadden, Esq.Secretary/Treasurer – Samuel HalkiasImmediate Past President – Frank G. Long, Esq.Executive Director – Mark A. Bennett, CAETrustee – Charles Cain, Esq.Trustee – Jonathan Holfinger, Esq.Trustee – Stan HunterTrustee – Jaime M. JohnsonTrustee – Russell Kutell, Esq.Trustee – Dayna PatrickGovernment Affairs Consultant –Robert K. Schmitz2Plan to join OLTA on Wednesday, May 6 for its Legislative Day in downtownColumbus. We’ll kick the day off with a continental breakfast followed by anissues briefing. Led by OLTA Government Affairs Consultant Bob Schmitz andme, we will discuss pending legislation affecting the real estate industry andprepare you to meet with your members of the Ohio General Assembly and theiraides. Following the briefing you’ll head over to the Ohio House and Senateoffices to discuss the important role the title industry plays in the real estatetransaction and the challenges you face in the daily operation of your business.We’ll reconvene as a group for lunch and to hear the perspective of OhioSenate Insurance Committee Chair Jay Hottinger (invited). The event is only 25 for OLTA members. Be sure to let us know your home address so our staffcan schedule appointments for you with your elected officials.Spring Seminar Prepares Attendees for a Challenging YearMore than 250 title professionals from across the state attended the 2015 SpringSeminar in Dublin this month. So many title professionals registered so quicklythat the room we had booked for the Seminar filled up and we sold out. RoccinaNiehaus and the Education Committee developed an educational programthat addressed the regulatory and business environment challenges those in theindustry are currently facing. We sincerely thank the generous sponsors andexhibitors of the Spring Seminar who greatly made the Seminar a success andare listed in this issue of Title Topics.Prepare Yourself with a Deeper Dive on RESPA-TILA Forms this JulyLeslie Wyatt of SoftPro delivered an insightful program on the CFPB’s newmortgage disclosure forms at Spring Seminar and those who attended hadplenty of questions for her about what lies ahead August 1, that’s why OLTAhas planned a series of half-day workshops this July to provide a deeper diveon the forms themselves led by ALTA Implementation Task Force member, MarySchuster of RamQuest. This is your opportunity to provide your employees withaffordable training on the new forms and have your questions answered.Workshops will be held on July 7 in Southwest Ohio, July 8 in Central Ohio andJuly 9 in Northeast Ohio. Visit the OLTA website under the “Events” tab andregister today. Seating at each venue will be limited and if registrations arriveat our office similar to Spring Seminar these events could sell out quickly.As always, please contact me with your questions and concerns at 614-501-1100x 3187 or [email protected]

THE BOARDWALKby Chuck Cain, WFG National Title Insurance CompanyIT’S NOT ME, IT’S YOU: 8/1/15 CHALLENGES ARE GREATERFOR OUR CUSTOMERSWhile we have all been painfully working through our angstas to the title and settlement industry being ready for the 8/1TRID implementation (please remember that “TRID” is “DIRT”spelled backwards) there has been a small issue that may causeus far greater heartburn come the Dog Days: our customersmay likely not be ready for the significant changes facing them.The difference between 8/1/15 and 1/1/10 is that there may beprecious little we can do to help them once that day arrives.Forewarned being forearmed, now is the time to talk to them.Lenders are, of course, squarely in the middle of these changes.While the major software providers in the settlement and titleindustry have been diligently working for months towards 8/1, infact showing Closing Disclosure prototypes as early as the ALTAConvention last October, lender software providers have beendistracted with wave after wave of other changes in the last twoyears such as QM and Loan Officer Compensation. Hence theyhave not had the longer and less distracted lead time to addressthe TRID changes. Further the changes for the lenders are moresweeping in their industry than in ours as they also involve theLoan Estimate and significant changes as to calendar events.Add to this the on-going scrutiny required of 3rd party serviceproviders and the data security and systems integrations requiredby existing regulation and audit requirements and the work hasbeen more than a little daunting.We have heard a lot from many of the nation’s largest mortgagelenders as to their anticipated processes and procedures come8/1. Delivery of the Closing Disclosure by lenders has beenthe headline story of many of the memos but what about itsconstruction? Real EC’s Closing Insight has become the principalintegration with the macro lenders. Its integration process hasbeen rolled out and the vast majority of title software vendorsare integrated into the system. But that leaves a great numberof lenders’ processes and integrations unanswered. Ellie Mae’sEncompass system is a leading loan origination system and whileintegrations have been initiated they are not yet ready to rollout and may not be until June. Many community lenders andcredit unions use other LOS vendors or have proprietary systems.These secure integrations remain to be seen. In light of theexpense and effort to implement such integrations particularlywhen a community lender or credit union does a small volumeof mortgage loans such lenders may, at least initially, leavepreparation and even delivery of the Closing Disclosure in thehands of their settlement service provider.continued on page 4We’ve Grown. Have You?At Old Republic Title, we haven’t let an uncertaineconomy keep us down. In fact, we’ve expanded ourmarket share. With a commitment to doing businesswith integrity, Old Republic Title provides exceptionalunderwriting support, unparalleled products andservices, and most importantly - peace of mind.For an underwriter who supports your growth, you cancount on Old Republic Title. Call us today!Strength and Stability for Over a Century6480 Rockside Woods SouthIndependence, OH 44131800.321.0520oldrepublictitle.com*Underwriters in the Old Republic Title Insurance Group, Inc. are: Old Republic National Title Insurance Company, Mississippi Valley Title Insurance Company and American GuarantyTitle Insurance Company.3

continued from page 3They just simply may not have the software or resources.Regulatory and market forces will probably change that overtime but this is not unlikely for a host of lenders in the near run.And there are those community lenders, who erring on the side ofdespondency, are openly discussing not making mortgage loansafter 8/1 and/or vending the service out to larger institutions.The realty industry faces other challenges. With the end ofthe HUD-1 statement in the vast majority of purchase moneytransactions we have lost a valuable document that served twopurposes. First the HUD-1 served as a borrower’s disclosurefor the final fees being charged by the lender and as averified statement as to disbursements. Second it served as anaffirmed settlement statement between buyer and seller and aconsummation of the contract. In this second role the HUD-1helped realty meet its documentation requirements under statelaw and FTC regulations. In those states where the broker hasa legal obligation to verify the numbers of one or both partiesto the transaction the HUD-1 provided the requisite form. TheClosing Disclosure only satisfies the requirements of the firstelement of the HUD-1 as a borrowers’ disclosure. As such, someadditional document will be necessary for the real estate brokerto meet its legal requirements. That form may be an executeddisbursement statement (out of the settlement service provider’ssoftware) or, yes gentle reader, a HUD-1. To think we shouldreach a time when we might long for the HUD-1.Realty has also been very involved in providing numbers for theHUD-1 particularly as to contract items. These numbers will needto be provided to complete the Closing Disclosure as well butnow the Closing Disclosure will, in most cases be delivered by thelender to the borrower. Also the real estate broker and agentwill need to provide contact information including their statelicense numbers for page 5 of the Closing Disclosure. Real estatebrokers will in very rare instance have direct integration with thelender so those figures and information will need to be providedto the settlement agent or lender incrementally making for moredrag time.So what are we supposed to do? Stop reading this article and call or go see your lendercustomer particularly your community lender or credit unionnow. What are their plans? Likewise if you are dealing withthird party originators such as mortgage brokers or mortgagebankers. They will be living in particularly interesting timesas their end creditors may have vastly different policies andprocedures as well as system integrations. Talk to your software provider as to possible solutions forthose lender customers who are not ready for 8/1. There arework around and “sticky” technology solutions for thoselenders not on one of the loan origination systems that isprepared for integration on 8/1. Your software vendor maybe able to help or offer suggestions.4 Talk to your realty customers about the 8/1 changes in theloan process but stress to them that after 8/1 the loansettlement process will be strictly a team event with allparties working toward meeting what will be longer timelinesto consummation and settlement. With the 3 day deliveryrequirement to the borrower there will no longer be theconcept of “last minute”. “Last minute” was 3 days ago. Andsee what they will need for their file as evidence ofsettlement. Most software systems have disbursementschedules in them. Your software provider merely needs toadd signatures to it and it may be sufficient for realty’s needs. Run test case files. While the TRID does not go into effect norcan the new forms be used until applications taken on 8/1 youand your lenders should be able to run test cases. Do it andas well in advance of 8/1 as possible. You can iron out issuesand maybe build some confidence in your and your customers’staffs that the world will not suddenly stop spinning at midnighton 8/1 throwing us all off into outer space. I think.

DOWER’S TIME HAS PASTby David FreeburgMcFadden & Freeburg Co., LPAWhen I was a kid in rural Pennsylvania, we had our milkdelivered to our front porch by a milkman. Watching TV as akid, we got three channels, and to change the channel we gotout of our chair and turned a knob of the TV (then adjusted therabbit ears . endlessly just to get a snowy picture). When Iwas in college, I typed my papers on a typewriter. When I firststarted practicing law, we looked case law up in books. Andwhen we worked on real estate transactions, we had to makesure we released dower. Wait, we still do that. Like the milkman,the TV knob, the typewriter, and the endless books of casereporters, dower is a concept whose usefulness has ended.We all know that the release of dower is necessary for transfersin Ohio. Dower rights have existed for centuries and wereoriginally for the protection of a wife from being disinherited orotherwise dispossessed of property at the time of her husband’sdeath. A noble concept in its day, perhaps. Today there are onlyfour states which still have dower: Ohio of course, the othersbeing Michigan, Kentucky and Arkansas. While many in Ohio aregenerally content with not being one of the most progressivestates, the national trend of abolishing dower rights should beone Ohio finally follows.To understand the value of dower, or lack thereof, everyoneshould understand the method of calculation of an inchoatedower interest. Prior to the death of a land owning spouse, thenon-owner spouse’s interest in dower is inchoate. Thereforethe value is calculated by taking the probability of surviving theother spouse, multiplied by the remainder value of the property,then dividing that by a life estate value, divided by 3. A recentCuyahoga County Common Pleas Court cases explains thiscalculation as follows:In order to calculate dower using the IRS Tables, one must:1) Determine the value of a life estate that lasts until bothowner and spouse are likely to have died using Table R(2);2 Determine the value of a life estate that lasts as long as thelife of the owner of the property using Table S;3) Determine the value of dower by (a) subtracting the valueof the life estate that lasts as long as the owner’s life fromthe value of the life estate that lasts until both spousesare likely to have died and (b) dividing this number by three(because dower is a life estate in one-third of the subjectproperty). Cf. IRS Actuarial Book, Pub. 1457 (7-1999), pageiv, Example 2. Deutsche Bank v. Smith, Cuyahoga CountyCase No. 555014.Prior to October 29, 1999, R.C. 2131.01 provided that the“Bowidtch” actuarial tables were to be used to computevested dower. On October 29, 1999, the statutory calculationwas changed from using the Bowidtch table to using the IRStables for calculations. Several court rulings have stated whichcalculation method is to be used depends on the date of themarriage. In either case, the calculations come out to be fairlysimilar, so this was not a huge change in the law.No matter which calculation method is used, only spouses withhuge disparity in ages have any real value in an inchoate dowerinterest.continued page 65

continued from page 1continued from page 5At closing, we have usually just presented them with dozensof documents in less than an hour. They simply aren’t going tounderstand every piece of terminology or remember everydocument. But, what they will remember is whether they feltrushed or relaxed; comfortable or pressured, informed orconfused and whether they walked out of that closing roomwondering what they had just done or feeling confident thattheir plans and dreams had just come together.So in cases like Anna Nicole Smith, the inchoate dower mayhave some value, however under most circumstances, withspouses of similar age, the value amounts to a very smallpercentage of the fair market value of the real estate. Evenafter the death of a spouse, the probate statutes generallyprovide a much more valuable option for a surviving spousethan the dower interest provides. Dower came into existencecenturies ago, when wealth was tied to real property. Mostwealth now is tied to personal, not real property. The value ofland for most people is simply as a residence. Most commercialproperty is owned through a separate legal entity, to whichdower does not attach.As we now compile a log of consumer comments, our officemaintains and evaluates both the positive feedback as well asthe complaints. The clear pattern that has emerged is that thecomplaints are not about something that they feel was doneincorrectly, but about a moment in the transaction where theydidn’t feel good about the process. It is our job to communicateand to bridge those gaps. A customer can be frustrated by thebelief that they were given limited opportunity to close on theday they wanted, or they can be grateful for understandingthat schedules were adjusted to accommodate an otherwisepacked day. For both scenarios, it is the same fact pattern,but dramatically different vantage points based upon theconversation at the time of scheduling. As title professionals wedeal with many moving parts and we can make it look easy orwe can make it appear to be chaos. In the end, they will notremember what we said or did, but how we made them feel.Title agents spend a great deal of time attempting to get dowerreleased in transactions, or curing prior transfers that failedto account for a dower interest. The manpower expense ofgetting dower released each year probably amounts to moremoney than anyone ever receives as a result of claiming dowerinterests for that same time period. I personally have handledmore title claims relating to dower than I can remember, whichgenerally cost more in attorney fees than the dower claimis worth. While I am in favor of any jobs created in the titleindustry by dower, I think we could spend time on worthierpursuits. It’s time for Ohio join the “cool kids” and abolish doweronce and for all.eWemakeWemakeWe makeWemakeing .simple.simple.simple.6

NOTARY TEST ANSWERSby Amelia Bower, Plunkett CooneyACKNOWLEDGING MORTGAGES – CAN YOU SPOT TROUBLE?Challenges to acknowledgements continue to be filed. See if you can tell what is wrong (or right) with each of these acknowledgements:No. 1 ( ) no county ( ) wrong date ( ) “borrowers” ( ) no office shown for the notary ( ) none ( ) allState of OhioCounty ofOn this 31st day of February, 2015 did personally appear the above named borrowers who did sign the foregoing mortgage as their free actand deed./s/ Mary Go LuckyNo.2( ) wrong county ( ) it’s a jurat – a what? ( ) who’s the notary? ( ) none ( ) allState of OhioCounty of LimaSworn to and subscribed by me this 5th day of March, 2015 by Donald J. Duck and Daffy J. Duck who identified themselves to me as thepersons indicated herein./s/ ueth usgNotary publicNo. 3 ( ) missing some words ( ) no day ( ) what’s a justice of the peace doing here? ( ) none ( ) allState of OhioFranklin CountyAcknowledged before me thisday of March, 2015 by D. Duck./s/ Yosemite SamJustice of the PeaceNo. 4 ( ) no state or county ( ) who appeared? ( ) what date above ?( ) none ( ) allState of, County ofPersonally appeared before me the notary public who did sign the foregoing mortgage on the date noted above./s/ Confused NotaryNotary publicNo. 5 ( ) who appeared? ( ) notary out of business? ( ) none ( ) allState of OhioCounty of HamiltonAcknowledged before me this 1st day of January. 2015 did personally appear ACME CORPORATION who did sign the foregoing instrumentin the capacity indicated./s/ Wiley E. CoyoteNotary public – my commission expires December 31, 2014No. 6 ( ) too many words ( ) redundant ( ) perfect ( ) none ( ) allState of OhioDelaware CountyAcknowledged before this 22nd day of February, 2015 did personally appear Morticia Adams and Gomez Adams Husband and Wife whodid sign the foregoing mortgage in my presence./s/ the ThingNotary Public7

MORTGAGE SATISFACTION:AMENDMENT TO O.R.C. SECTION5301.36by Kevin F. Eichner, Esq., State Counsel First American TitleInsurance Company, Ohio Bar Title Insurance CompanyWhen it comes to prior unreleased mortgages, the words andmusic of “(I Can’t Get No) Satisfaction” by the Rolling Stones willbe coming to mind less often with the passage of Ohio House Bill201. That bill, passed by the Ohio legislature, signed by GovernorKasich at the end of last year and effective March 23, 2015, amendsOhio Revised Code Section 5301.36 to provide for additionaldamages and attorney fees under certain conditions if a previouslysatisfied (“paid off”) mortgage remains unreleased of record. Priorto the recently effective amendment, O.R.C. §5301.36 required amortgagee on a residential mortgage to record a release ofthe mortgage within ninety days of the date that the underlyingdebt secured by the mortgage was paid in full. If the mortgageefailed to comply with this requirement, the statute provided that themortgagor could recover in a civil action damages of 250.00.It became apparent that this statute was inadequate. Notwithstanding the requirement to record a release within ninetydays of satisfaction, there was an increasing incidence ofmortgages that remained unreleased even though the underlyingdebt was long ago paid off. As stated above, the mortgagor couldonly recover damages of 250.00 in a civil action. There was noprovision allowing recovery of attorney fees incurred to bringthat civil action or otherwise to obtain the release. Additionally,there was no express provision that the current owner (whowas not the mortgagor) of the real property encumbered bya previously paid off mortgage could bring the civil action.Finally, the requirement to record a release within ninety days ofsatisfaction was limited to residential mortgages. There was nosimilar requirement to release commercial mortgages.As before, the current amended version of O.R.C. §5301.36(B)requires a mortgagee, within ninety days from the date ofsatisfaction of the mortgage, to record a release of themortgage in the appropriate county recorder’s office. However,the requirement now applies to all mortgages, residential andcommercial. Further, if the mortgagee fails to timely recordthe release, then the mortgagor and the current owner of thereal property subject to the mortgage may recover in a civilaction not only the damages provided for in O.R.C. §5301.36(C)of 250.00, but also additional damages of 100.00 per dayfor each day that the mortgage remains unreleased of recordbeginning fifteen days after receipt of notice as provided inthe statute, subject to a maximum of 5,000.00, plus reasonableattorney fees and costs. O.R.C. §5301.36(E).If no release or satisfaction of a mortgage is recorded and morethan ninety days have passed since the underlying debt was paidin full, the current owner of the real property, as a condition to8being eligible to recover damages, must provide the mortgagee(or its successor or assign) a written notice of the failure to entera release of the mortgage of record. O.R.C. §5301.36(D)(1). Thenotice must be delivered in accordance with the Ohio Rules of CivilProcedure and the content of the notice is set out in the statute.The mortgagee, within fifteen days of receiving this notice,must record a satisfaction and release of the mortgage in theappropriate county recorder’s office. O.R.C. §5301.36(D)(2). Ifthe mortgagee fails to record the satisfaction and release of themortgage within fifteen days of the receipt of the notice, it is at thispoint that the current owner may bring the civil action to recoverattorney fees and costs incurred to obtain a recorded mortgagerelease plus damages of 100.00 per day up to a maximum of 5,000.00. The 5,000.00 maximum is for the 100.00 per daydamage amount. Attorney fees and costs would be in addition tothat amount.OLTA partnered with the Ohio State Bar Association, with thesupport of the Ohio Association of Realtors, to work with membersof the Ohio legislature, the Ohio Bankers League and otherinterested parties to come to agreement on the need for changeand the provisions of the bill. The result is a statute that givesproperty owners an additional avenue for obtaining mortgagereleases. It may not be ideal, but as Mick Jagger and Keith Richardswrote: “You can’t always get what you want, but sometimes you getwhat you need.”Serving you in Ohio, Indiana, Minnesota, Michigan,Illinois & Wisconsin Looking to Grow Your Business? Need to Manage Order Spikes andOverflow? Want to Control Title ProductionCosts and Risk?Contact us today for a demo of how wecan work together to expand yourbusiness!www.TitleWaveRES.comPhone: 855-616-8400Fax: 866-239-5469Email: [email protected]

Thank YouExhibitors and SponsorsEXHIBITORSPLATINUM LEVELArnet TechnologiesBlack Knight Financial ServicesData & AnalyticsCaptiFlowCorporation Service Company (CSC)Crown Search ServiceseRecording Partners NetworkFidelity National Title Insurance Co.KasparnetreQuire Release TrackingSimplifileSoftPro CorporationTitle Wave Real Estate SolutionsAgents National Title Insurance Co.Fidelity National Title Insurance Co.First American Title Insurance Co.North American Title Insurance Co.WFG National Title Insurance Co.GOLD LEVELKasparnetOhio Bar Title Insurance Co.Old Republic NationalTitle Insurance Co.SimplifileSoftPro CorporationSILVER LEVELLUNCHEON SPONSORSAgents National Title Insurance Co.Chicago Title Insurance Co.Commonwealth LandConestoga Title Insurance Co.Fidelity National Title Insurance Co.First American Title Insurance Co.Investors Title Insurance Co.North American Title Insurance Co.Ohio Bar Title Insurance Co.Old Republic NationalTitle Insurance Co.Stewart Title Guaranty Co.WFG National Title Insurance Co.Westcor Land Title Insurance Co.BestPracticesPlus.comBrouse McDowelleRecording Partners Network9

to the Rescue!SoftPro’s Award-winning Closing, Title and Escrow Softwarecombines cutting-edge technology with outstanding support to makeyour business run more efficiently, while boosting your revenue. It is fully customizableand scalable so you can work the way you want, yet also conforms to the latestregulations and ALTA’s Best Practices, so you can keep compliant within our ever-changing industry.Trust SoftPro to be your superhero software partnerfor the new Closing Disclosure Form, coming10For more information visit www.softprocorp.com or contactSoftPro Sales at 800-848-0143 or [email protected] 1, 2015.

Founded by the Ohio State Bar Foundation, we have played anintegral role in the title insurance industry and legal community.Ohio Bar Title is the largest domestic title insurance company inOhio and brings outstanding underwriting and marketing servicesto attorney agents in Ohio, Kentucky, Indiana and Pennsylvania.19552015A subsidiary of First American Title Insurance Company, we arebacked by the financial strength and resources of an industryleader and our attorney agents enjoy the niche services thatOhio Bar Title provides as an exclusive underwriter.OHIO BAR TITLE INSURANCE COMPANY IS PROUD OF OUR 60-YEARTRADITION OF WORKING WITH ATTORNEY AGENTS AND WE CONDUCTOUR DAY-TO-DAY OPERATIONS WITH THAT DISTINCTION IN MIND.Ohio Bar Title Insurance Company8740 Orion Place, Suite 310Columbus, OH 43240Toll Free: 800.628.4853 Local: 614.310.8098 2015 First American Financial Corporation and/or its affiliates. All rights reserved. NYSE: FAFHHH OLTAPAC

Schuster of RamQuest. This is your opportunity to provide your employees with affordable training on the new forms and have your questions answered. Workshops will be held on July 7 in Southwest Ohio, July 8 in Central Ohio and . July 9 in Northeast Ohio. Visit th