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Your Innovative and Strategic Partner

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TABLE OF CONTENTS

Table of Contents3 About Us4 Who is First Title5 Our Core Values6 National Coverage,

Local Service7 We’ve Got You Covered

8 Our Services10 Title & Escrow Services11 Purchase12 Refinance13 REO & Default

14 Property Reports15 HELOC Solutions16 Commercial Title17 Reverse Mortgage18 Partnership Efficiencies

19 Technology21 eSign and eClose22 Encompass Integration

& API Solutions

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ABOUT US

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ABOUT US

Who is First Title?Since 1997, First Title has been a provider of title insurance, title search products, and closing services nationwide. To manage our customer’s needs, First Title saw the need to develop a best in class proprietary transaction management platform, FirstVision, which today supports the needs of our clients in managing the entire file life cycle. Our customized workflows are designed to maximize efficiencies with a high level of customer service and accountability.

First Title’s foundation is built upon the strict understanding of our client’s needs and surrounding them with a highly skilled team of human resources that are properly aligned to produce results.

First Title is based in the Washington, DC area, with offices strategically located in DC, FL, MD, MI, PA, TX and VA.

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ABOUT US

Our Core ValuesHigh StandardsConstant and consistent communication, professionalism and accountability

Constant InnovationProcesses , technology, and product offerings

Demonstrate PassionActive listening and engagement

Promote GrowthAmong our human resources in their personal development and company as a whole

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ABOUT US

National Coverage, Local Service.First Title operates in all 50 states, which means we do business where you do business. And with strategic locations around the country, you get the personalized service of a neighborhood title company to go with it.

HI

AK

AZ

UTNV

CA

NM

OR

WA

WYID

MT ND

SD

NE

CO KS

OK

TX

MN

IA

MO

AR

LA

WIMI

IL IN

KY

TN

MS AL GA

FL

SC

NC

VA

OHWV

RI

DE

NJ

DC

PA

NY

ME

NHVT

MA

CT

MD

FULL SERVICE DIRECT OPERATIONS

FULL SERVICE THROUGH THIRD-PARTY PARTNER

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ABOUT US

We’ve Got You CoveredOur compliance ensures you are confident in our ability to protect your business.

PAGEYour National Title & Closing Providerwww.firsttitleservices.com

Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.

ALTA Best Practices CertifiedCompliance with TRID-RESPA inspired ALTA initiatives to protect lenders from liability by

ensuring standardized guidelines.

SOC 1 CertifiedCertifies our Internal Controls over Financial Reporting (ICFR) to provide our customers

with confidence in our stability as a company.

SOC 2 CertifiedCertifies controls at a service organization that are relevant to security, availability, processing integrity confidentiality and

privacy.

Your National Title & Closing Providerwww.firsttitleservices.com

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Your National Title & Closing Providerwww.firsttitleservices.com

4PAGEYour National Title & Closing Providerwww.firsttitleservices.com 4PAGE

PAGEYour National Title & Closing Providerwww.firsttitleservices.com

Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.

ALTA Best Practices CertifiedCompliance with TRID-RESPA inspired ALTA initiatives to protect lenders from liability by

ensuring standardized guidelines.

SOC 1 CertifiedCertifies our Internal Controls over Financial Reporting (ICFR) to provide our customers

with confidence in our stability as a company.

SOC 2 CertifiedCertifies controls at a service organization that are relevant to security, availability, processing integrity confidentiality and

privacy.

Your National Title & Closing Providerwww.firsttitleservices.com

4PAGE

Your National Title & Closing Providerwww.firsttitleservices.com

4PAGEYour National Title & Closing Providerwww.firsttitleservices.com 4PAGE

PAGEYour National Title & Closing Providerwww.firsttitleservices.com

Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.Our compliance ensures you are confident in our ability to protect your business.

ALTA Best Practices CertifiedCompliance with TRID-RESPA inspired ALTA initiatives to protect lenders from liability by

ensuring standardized guidelines.

SOC 1 CertifiedCertifies our Internal Controls over Financial Reporting (ICFR) to provide our customers

with confidence in our stability as a company.

SOC 2 CertifiedCertifies controls at a service organization that are relevant to security, availability, processing integrity confidentiality and

privacy.

Your National Title & Closing Providerwww.firsttitleservices.com

4PAGE

Your National Title & Closing Providerwww.firsttitleservices.com

4PAGEYour National Title & Closing Providerwww.firsttitleservices.com 4PAGE

ALTA Best Practices CertifiedCompliance with TRID-RESPA inspired ALTA initiatives to protect lenders from liability by ensuring standardized guidelines.

SOC 1 CertifiedCertifies our Internal Controls over Financial Reporting (ICFR) to provide our customers with confidence in our stability as a company.

SOC 2 CertifiedCertifies controls at a service organization that are relevant to security, availability, processing integrity confidentiality and privacy.

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OUR SERVICES

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OUR SERVICES

Our ServicesAt First Title, our goal is to provide you with the best tools and people available to keep you operating at optimum efficiency. And with your own dedicated team of professionals, you can be sure we’ll be here when you need us.

What can we do for you?

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OUR SERVICES

Title & Escrow ServicesOur products and services listed below represent some of the broad array that we can offer. In addition to these, we can develop and execute processes that combine yours with ours seamlessly and ensure efficient turn-around and a pleasant experience for everyone involved.

• ALTA Title insurance Lender’s, Owner’s, and Limited Protection policies

• Blanket protection policies for Bulk Purchase/REO Transactions

• Refinance, Purchase, REO, Construction, Reverse and Home Equity Loan Transactions

• Relocation services

• Tax and Municipal Lien Searches

• Full-Service Title Clearance and Subordination Processing

• Borrower / Settlement Agent closing scheduling

• Disbursement of loan proceeds

• Document Retrieval and Recording Services

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OUR SERVICES

PurchaseFirst Title offers a unique and carefully orchestrated purchase closing experience. We understand well the difficulties of properly executing a purchase transaction across state lines. For this reason, First Title has developed, through the use of FirstVision®, a purchase process that is truly unrivaled at First Title:

• First Title “Quarterbacks” the process

• Communication with Agents and “Early and Often” through both SMS Text and Traditional Methods

• We focus on lien clearance, scheduling, and coordination among parties early in the process

• Provide a Mobile EMD capture solution to agents and buyers to save time, expense and eliminate cyber-theft risk

• Platform to help homebuyers with their move at the inception of the process.

• Professional and Experience Closing Agents and Attorneys for a white-glove experience

• Technology, automation, and process automation enhance the efficiencies of our detailed process to ensure accuracy and a smooth closing

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OUR SERVICES

RefinanceThrough our veteran staff and national network of closing agents and attorneys, First Title’s refinance loan solutions include full closing and escrow services for both centralized and distributed retail operations nationwide. Services include:

• Title clearance, including securing mortgage/lien payoffs, tax certificates and additional title clearance as required

• Scheduling of closing appointment with borrower

• Electronic loan document package receipt

• Preparation, collaboration and approval of Closing Disclosures, and delivery of all title affidavits and county specific intake sheets with the loan document package

• Completion of loan document review prior to delivery of loan document package to signing agent or attorney

• Verify signing of loan documents, notarize required documents and confirm return of loan documents to First Title following closing

• Timely and accurate post-closing audit of document package to verify proper execution

• Posting of executed loan document package to First Title site and same-day email delivery of critical documents

• Receipt of funds into First Title’s escrow account

• Verification of proper mortgage recordation

• Disbursement of mortgage/lien payoffs, unsecured payoffs and/or borrower proceeds

• Overnight courier of all secured disbursements and borrower proceeds checks

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OUR SERVICES

REO & DefaultWe realize that pre-foreclosure, REO bank owned, and properties with severely delinquent loans present a unique set of challenges. Our in-house team specializes in meeting these challenges head on. We have completely scalable systems for handling distressed and REO properties, and further tailor our workflow to mesh with the process mapping of our individual client.

• Put decades of experience to work for you

• Reduce turnaround time with our highly efficient processes and technology

• Improve accuracy with the elimination of errors of all types, including the delays that result from juggling multiple vendors

• Decrease cost with with xml web services integrations directly into the technology of your choice to reduce redundancy and save hours of work per file

• First Title’s special two-way integration inside the Equator platform provides a completely seamless and error free experience for clients

• We have the ability to navigate the potentially complex and challenging situations that may arise during loss mitigation. Our team of experts is fully equipped to process these requests as part of our fully compliant and comprehensive Loss Mitigation process.

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OUR SERVICES

Property ReportsFirst Title offers property reports for lenders, real estate attorneys, title companies, and other interested parties. We can deliver a flexible and custom tailored property report on any piece of property across the nation, and we bring our core values of flexibility, maturity, and technology to the task each time. Our wide variety of property information products include:

• Legal & Vesting

• Current Owner, 2 Owner, and Full Title Chain Products. Included with the reports are the following:

- Ownership information with Vesting deed

- All current and delinquent tax bills (if these are unavailable, we provide any documentation of amounts due)

- Any open mortgages, liens and open litigation that may effect the property or the property owners

- Recorded mortgage and property description, including any assignments

- Any recorded easements, restrictions, conventions affecting the property or its use

- Any UCC and municipal filings that affect the property

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OUR SERVICES

HELOC SolutionsFirst Title offers a variety of products for you and your customers seeking a Home Equity Line of Credit. From our premium Full Lender Title Policy to the compact HELOC with EZ Wrapper, we have the perfect solution for every loan.

Insurance Coverage Information:• Coverage by A.M. Best A Excellent insurance providers.

• Coverage follows the mortgage agreement and can be assigned to investors.

• Covers 1-4 family residential properties, condos, and investment properties.

• No borrower affidavit required.

Full Lender Title Policy Limited Protection Loan Policy HELOC with EZ Wrapper

Common Uses Loans $100k-$750k Loans up to $200k Loans to $750k

Coverage Amount Unlimited Up to $250k Up to $750k

Pricing Structure Tiered, Pricing varies with coverage Tiered, pricing varies with coverage A la carte, flat fee product rates

Coverage Type Title Insurance Title Insurance E&O With Gap

Property Types All All All

CLTV No Max No Max Not to exceed 100%

Minimum Credit Criteria None None FICO 520 or greater

Search Type Current Owner Search Product Current Owner Search Product Current Owner Search Product

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OUR SERVICES

Commercial TitleThe First Title National Commercial Title Division (NCTD) exists to support our commercial clients with all of their title and closing needs, nationwide. We deliver a specialized and unique approach to commercial real estate transactions that removes the complexities and time delays, by utilizing a single contact point for your transaction management, nationwide.

• Our optimal pricing with choices of five major title underwriters sets us apart from the competition

• Single point of contact for all your commercial title and closing needs, nationwide

• Team of highly skilled and responsive title professionals

• Full array of title and closing services

• Fully CFPB compliant, SOC 1 Type 2, and SOC 2 Type 2 certified

• 24-hour access to our online ordering and tracking system through our proprietary software, FirstVision®

• One of the largest coverage areas in the business

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OUR SERVICES

Reverse MortgageReverse mortgages give seniors the freedom to use their home’s equity while still living in it. These transactions serve a unique segment of the housing market. Our experienced and mature staff understands the particularities of reverse mortgage transactions, including the sensitivities of the borrowers, and we have customized our process accordingly. Reverse mortgages require superior customer service, and we at First Title provide this service in addition to the expertise and technological advantage we deliver in all transactions.

• Our experts have a thorough understanding of the guidelines set out by HUD and the lender providing faster turnaround times

• Track your transaction with a single point of contact for complete transparency and a stress-free experience

• We provide speedy, reliable valuations and property information to promote a quick close

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OUR SERVICES

Partnership EfficienciesCreating a more efficient and automatic relationship while not sacrificing meticulous attention to detail is the signature of First Title’s services. Our use of technology extends beyond the norm to offer you:

• Comprehensive integrations into many major Loan Origination Software

• In house development to perform special integrations and enhance existing ones

• Automated pricing, APR and SSPL data import, document delivery and so much more

• The ability to schedule your closings with ease

• Mobile text notifications to stay up-to-date instantly in real-time

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TECHNOLOGY

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TECHNOLOGY

Industry-Leading Technology From eClosing partnerships, integrations with platforms such as Encompass, to custom API and web services solutions, we strive to use technology to make the title and closing process as secure and streamlined as possible.

Let First Title help you implement these exciting solutions. We’re here to guide you through every step of implementation.

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TECHNOLOGY

eSign and eCloseThe ability to eSign documents brings unparalleled convenience to all parties involved in the transaction. Through partnerships with Pavaso and Notarize, First Title is at the forefront of the digital closing revolution, and we have the systems and training in place to get you there too.

• Full eClosing capabilities through our platform partners

• Transforming the mortgage process with electronic delivery of disclosures, documents, and the ability to securely provide electronic signatures

• Our solution provides our customers with strong audit trails to protect the integrity of the process

• Nationwide eNotary network to facilitate transactions

Benefits:• Begin digital transactions in no time

• No time or money needed for training or infrastructure

• New ease and convenience to market to clients

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Encompass Integration & API SolutionsFirst Title’s Encompass integration and custom API solutions bring enhanced technology efficiencies from fee import and order placement through CD collaboration, scheduling and closing.

Benefits:• Best-in-class Encompass integration

• Collaborative online closing calendar and third party communication tools

• In house development team for custom solutions

TECHNOLOGY

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THANK YOU

www.FirstTitleServices.com