LENDER PACKET

ESCROW RATES

CALIFORNIA TITLE COMPANY REFINANCE RATES

TITLE RATES

As to one-to-four family owner occupied residential properties, any policy issued in connection with the refinance of existing debt may be issued at the following rates. This rate is not intended for use on non-prime rate loans.

No sub escrow fee if using in-house escrow.

Policy Amount up to: Loan Policy$0 - $250,000 $ 380

$250,001 - $500,000 $ 500

$ 500,001 - $750,000 $ 630

$ 750,001 - $1,000,000 $ 710

$1,000,001 - $1,500,000 $ 995

$ 1,500,001 - $2,000,000 $ 1,280

$2,000,001 - $3,000,000 $ 1,985

$3,000,001 - $4,000,000 $ 2,690

$4,000,001 - $ 5,000,000 $ 3,570

Above $5,000,001

Effective 10/6/14

Add $500 for each additional $1,000,000 or fraction thereof, and

then add an additional $50.

California Title Company deems this information reliable, but assumes no responsibility for errors or omissions. Images may be subject to copyright. WWW.CALTITLE.COM131

Underwritten by First American Title Insurance Company

Bulk loan escrows will be quoted based on volume and additional costs, complexity and liability

incurred by the Company. Please contact your title representative so they are able to work with our

in-house escrow to come up with the correct quote for you.

Brett Borkgren V.P., Regional Sales Mgr.818.822.3650 | brettb@caltitle.comAshlyn Gonzaga Sales818.355.2276 | ashlyng@caltitle.comwww.caltitle.com/borkgren

www.CalTitle.com

Subject: California Title Successfully Passes Second “Best Practices” Audit

I am pleased to report that California Title Company has received SSAE No. 16 SOC 1 Type II and SOC 2 Type II

certifications from their auditors, Squar Milner, Peterson, Miranda and Williamson, LLP (copies of which are

available upon request). These certification reports (the “Certification Reports”) were issued following a second

extensive audit of the California Title Company FOC systems, which tested compliance with all of the American

Land Title Association (ALTA) “Best Practices” as set forth in the auditors’ 2014 SSAE No. 16 SOC 1 Type 1 and

SOC 2 Type 1 Reports (the “2014 Reports”). This audit was an exhaustive multi-month examination of the entire

CTC FOC and we passed the exam without one single exception. That means we have fully complied with all of

the requirements set forth in the 2014 Reports.

Together these audits were a daunting task consisting of what we believe was the most complete examination

of any title agency in the country. Understandably, these Certification Reports exceed 300 pages and describe

the testing procedures in detail.

California title Company is immensely proud of the work that has been completed and is acutely aware that just

because it is compliant today, does not mean it will be compliant tomorrow. To that end, we have instituted a

training program to stay vigilant in maintaining our high standards and we have instituted an audit program to

make sure that our systems are running as designed. CTC compliments ALTA in its design of Best Practices as

the industry standard and will remain as not just the best service provider in the industry, but the most

compliant as well.

If you have any questions or comments, please feel free to contact our Executive V.P. & General Counsel,

William D. Burding, Jr., at billburding@octitle.com .

We appreciate your business and are working hard to be your provider of title and settlement services in the

future.

Sincerely,

Bill Burding

Vice President and

Associate General Counsel

California Title Company

The information contained herein is deemed to be reliable, but it is not guaranteed. California Title Company assumes no responsibility for errors or omissions. Images may be subject to copyright. ©2015 California Title Company.

WWW.CALTITLE.COM

CONVENIENT CALCULATING

Use the TRID Dates Calculator to find the earliest consummation date based on the closing disclo-sure delivery date.

Visit www.caltitle.com or download our free mobile app today!

RATE CALCULATOR TRID DATES CALCULATOR

No need to get frustrated about finding rates and dates associated with the new TRID changes. Our con-venient tools available on our website and mobile app, gives you the freedom and info you need at the office or on the go.

Online you can find the calculator right on the CFPB Info link from our home page.

Call your California Title Rep if you need further assistance on using either one of these features.

The POWER of Our Underwriters Title insurance policies issued through the office of California Title Company are underwritten by four of the strongest underwriters in the title insurance industry. As a result, policies issued through California Title Company on behalf of these underwriters are based on the most secure financial backing available in the industry.

First American Title Insurance

Stewart Title Guaranty Company

Old Republic Title Company

Title Resources Guaranty Company

As a title brokerage, we have the flexibility to get the best prices and policies to benefit buyers, sellers and borrowers. We also do the work locally and provide regional knowledge and service while issuing policies from our four underwriters. We do all of this without passing additional costs on to your clients.

UNDERWRITERS

This 250 page report shows California Title’s compliance with all of ALTA’s ‘Best Practices’ and exceeds the industry standard! This report demonstrates the great lengths to which California Title goes to make sure all of the personal information it receives from our customers is protected from those people wanting to do harm. In a day where identity theft is so prevalent, California Title is on the cutting edge of security! This will also make your closing go more smoothly. Congress has enacted Dodd Frank which has released a set of regulations where Lenders must comply. All Title Companies as vendors of the Lenders must also comply. These are mandatory and intended, in part, to protect the consumer’s NPPI (Non Public Personal Information)�. Part of the Lending Institution’s criteria is to ensure that all of their vendors are compliant. American Land Title Association (ALTA)� has developed the 7 Best Practices for Title Companies in order to comply with federal regulations. By implementing Best Practices, Title Companies who are audited to these standards will be deemed vetted as approved vendors by the lending institutions.

California Title Company and our family of companies are proud to announce that we are one of the first underwritten title companies in the nation to receive an audited SSAE No. 16 SOC 1 type 1 report and

the SSAE No. 16 SOC 2 type 1 report audits with NO EXCEPTIONS TO THE REPORT!

We are proud to offer the highest standard of quality care to our customers and provide the peace of mind home buyers desire and deserve!

7 Best Practices = SECURITYEach pillar is involved and deep. California Title Company has put in a lot of time and money to make sure all of the companies in our Family of Companies are Consumer Financial Protection Bureau (CFPB) compliant!

1. Licenses 2. Escrow Trust Accounting 3. Information Security Management 4. Recording & Pricing Procedures 5. Policy Premium Delivery 6. Insurance 7. Customer Complaint Process

ALTA’s Best Practices require compliance in the following categories known as the 7 PILLARS:

CALIFORNIA TITLE HAS HAD AN OUTSIDE AUDIT AND IS COMPLIANT WITH BEST PRACTICES.

WHAT DOES THIS MEAN?

BEING COMPLIANT

California Title Company is one of the largest

independently owned, underwritten Title Companies in

the United States. We are also one of the most seasoned,

as we’ve held our license to insure properties since 1965

in Southern California. California Title has developed a

reputation where seasoned professionals provide timely,

quality products to protect a buyer’s and lender’s rights

in a real estate transaction. With Title and Escrow Officers

combining over 200 years of experience, we have built a

reputation based on knowledge of the market and great

service. With Title and Escrow offices throughout Southern

California, we are ready to meet your needs and give you a

competitive edge when selecting closing services.

California Title Company has held a license to provide title services since 1965. This is longer than just about every Title Company in San Diego. Closing your deals largely depends on experience, strength and reliability. California Title offers all three qualities.

California Title Historic Timeline• In 1962, Louisville Title Insurance Company formed a local title agency named Louisville Title Company.

• In 1973, the name of the agency was changed to Commercial Standard Title Insurance Company.

• In 1975, Commercial Standard Title Insurance Company was acquired by a group of investors, who changed the name to Terra Title Insurance Company.

• Terra Title Insurance Company was acquired by Orange Coast Title Company in 1989 and the new name became Orange Coast Title Company of San Diego.

• The name was changed again to California Title Company in 1996, followed by an expansion of offices into Los Angeles (2001)� and Orange (2002)� Counties.

CALIFORNIA TITLE COMPANY

WHO WE ARE

HISTORY