CARING IS OUR COMPETITIVE EDGE TITLE UNIT TICOR SAN DIEGO
It has been our mission to provide excellent customer service to our clients and we have dedicated ourselves to exploring all options available in the closing of real estate transactions. Until all possibilities are exhausted, you will not hear us say that we cannot accommodate your requirements or cannot insure your transaction. Ticor Title is FINANCIALLY STRONG. We are backed by claim reserves of $1.5 billion – the largest in the industry. Our claims paying abilities provides customers peace of mind and we consistently earn “A” ratings or higher from Standard and Poor’s and Moody’s. Our friendly and competent staff is here to provide you with the knowledge and expertise you will need and should require in the closing of your property. We are committed to constantly exceeding your expectations. You can be confident that the Ticor Title team of professionals will do everything possible to assure your transactions are handled professionally and accurately. INTRODUCTION
2275 Rio Bonito Way, Suite 160 • San Diego, California 92108 Page | 3 © 2025 Ticor Title, All Rights Reserved. MEET THE TEAM
Its origin, however, goes back to the early 1870s, for in 1886 Abstract and Title Insurance Company had acquired the “entire plant and property relating to the searching business” of a Los Angeles firm of attorneys (Judson, Gillette & Gibson) that had pioneered using “certificates of title.” The original founders of TI were William H. Allen Jr., Otto F. Brant and Oliver P. Clark, who later became known as “the A.B.C.s.” When TI began operation, the population of the city of Los Angeles was 66,000, and the county population, 122,000. In 1992, Ticor was acquired by Chicago Title & Trust, which issued the first guarantee policy in Cook County, Illinois, in 1881. In 2000 Fidelity National Financial Inc. (NYSE: FNF), the premier real estate service company, providing title insurance and other real estate-related services, acquired the Chicago Title Corporation, creating the largest title organization in the world. “FNF has made a strategic commitment to grow its Ticor Title brand and the acquisition of ANFI is a key component of this strategy,” said FNF Chairman and Chief Executive Officer William P. Foley II. The company’s identity is sustained by its well-trained staff, customer-focused responsiveness and a commitment to excellence. With over a century of experience and consistent A Ratings in claims-paying ability, Ticor Title provides title insurance with confidence and remains a powerful force in the title insurance market. For more than a century, Ticor Title has been a premier leader in the title insurance industry. Providing our customers with an unmatched combination of professional expertise, exemplary customer service and rock-solid security is the foundation of our business. In addition to Ticor’s extensive direct and agency operations, as well as underwriting and title plant operations, Ticor is a pioneer in automation software, which reduces paper flow and significantly improves the efficiency of document imaging and electronic recording at county recorder offices. Title Insurance and Trust Company, often called “TI”, opened for business on January 15, 1894, with about 30 employees. TI was the direct outgrowth of the merger of two earlier companies, the Abstract and Title Insurance Company and the Los Angeles Abstract Company, which had been started in the real estate boom of the 1880s. From the simplest to the most complex residential or commercial real estate transactions, let Ticor Title show you why customers continually turn to us for the reliability, responsiveness and security they need. Ticor Title began operations in Los Angeles in 1894 as Title Insurance and Trust Company. Page | 4 © 2025 Ticor Title, All Rights Reserved. ABOUT TICOR TILE
Page | 5 © 2025 Ticor Title, All Rights Reserved. 10 REASONS TO USE TICOR TITLE EXPERIENCE Ticor has over 100 years experience, dating back to the 1800s. For more than a century, people have trusted their title insurance needs to Ticor Title. FINANCIAL STRENGTH The FNF* family of companies is unrivaled in the industry with a highly-liquid investment portfolio offering the ultimate in security and protection. STABILITY Strong financial ratings are important, now more than ever. FNF has received A ratings from Standard and Poors, Moody’s, Demotech and AM Best ratings services. ENDURANCE Our company’s consistent earnings and profits surpass the competition... ensuring you and our policy-holders that we are here for the long run. PROTECTION We are part of the FNF title group which collectively has over $2 billion in claims reserves. NATIONAL AND INTERNATIONAL SERVICE Do you have a transaction in another state or country? Our services extend to handle your transaction needs throughout the country and the globe. ANCILLARY SERVICES Offering you convenient one-stop shopping with IPX1031 Exchanges, Home Warranty, Disclosure Reports, and more. CUTTING EDGE Our “Hot Products” and high-tech interactive tools and resources will assist you and let you know you’ve made the right decision with Ticor Title and Escrow. LOCAL DECISIONS Many functions and decisions are crucial to your transactions: searching, examining, accounting, and underwriting are locally handled at Ticor (rather than at a centralized, out-of-area or county plant). TICOR TITLE! Our commitment to excellence and personal service, combined with the unsurpassed strength and resources of the FNF family of companies, lets you “rest-assured” you’ve chosen the right Title and Escrow partner. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10.
Page | 6 © 2025 Ticor Title, All Rights Reserved. Coverage is for 1- 4 family residences This chart is intended for comparison purposes only and is not a full explanation of policy coverage. Policy coverages are subject to the terms, exclusions, exceptions and deductible shown in the policy. TITLE POLICY COMPARISON CHART 1. Someone else owns an interest in your title to the property 2. A document is not properly signed 3. Forgery and fraud 4. Defective recording of any document 5. Title is unmarketable 6. Lack of right of access to and from the land 7. Forced removal of structure because it: a. extends onto other land or onto an easement b. violates a restriction in Schedule B of policy c. violates an existing zoning law 8. Cannot use land for SFD (single-family dwelling) due to zoning or restrictions 9. Unrecorded lien by the HOA 10. Unrecorded easements 11. Others have rights arising out of leases, contracts, or options 12. Inflation Protection 13. Building permit violations – forced removal* 14. Subdivision Map Act violations* 15. Zoning violations–forced encroachment* 16. Boundary wall or fence encroachment* 17. Restrictive covenant violations 18. Post-policy defect in title 19. Post-policy contract or lease rights 20. Post-policy forgery 21. Post-policy easement 22. Post-policy limitation on use of land 23. Post-policy damage from minerals or water extraction 24. Post-policy living trust coverage 25. Post-policy encroachment by neighbor other than wall or fence 26. Enhanced access–vehicular and pedestrian 27. Damage to structure from use of easement 28. Post-policy automatic increase of 10% annually up to 150% 29. Post-policy correction of existing violation of covenant 30. Post-policy limitation of use 31. Post-policy prescriptive easement 32. Street address is correct 33. Map not consistent with legal description 34. Coverage for spouse acquiring through divorce 35. Violations of building setbacks 36. Discriminatory covenants 37. Insurance coverage forever CLTA * Subject to deductible and maximum liability, which is less than the policy amount. COMPLETE HOMEOWNER’S POLICY
Page | 7 © 2025 Ticor Title, All Rights Reserved. THE ROLE OF THE TITLE COMPANY IN REAL ESTATE TRANSACTIONS The purchase of a home may prove to be the largest single financial investment many people may make in their lifetime; therefore, the importance of fully protecting such an investment cannot be overstressed. A basic home ownership protection essential to the security of the home is safe, sound, reliable title insurance. BUT WHAT IS TITLE INSURANCE? It is the application of the principles of insurance to risks which are present in all real estate transactions. These risks are divided into two main categories: Hidden hazards which cannot be detected in the examination of title and human errors which will always be with us. Examples of hidden hazards are FORGERY, INCOMPETENCE OF GRANTOR OR MORTGATOR, UNKNOWN HEIRS, FRAUD, IMPERSONATION, etc. Title insurance differs from other types of insurance by protecting against future losses rising out of events that have happened in the past. There are no annual premiums. One premium, based on the amount of the sale or mortgage, is paid when the policy is issued and is good for the life of the policy. A mortgage policy, insuring the lender, stays in effect until the loan is paid off. An owner’s policy, insuring the buyer, is good as long as the owner or owner’s heirs own the property. Initially, the title company will search and examine the public land records to investigate information surrounding title to the property. The facts revealed by the search will determine: » That the seller is, in fact, the legal owner of the property. » That the “estate” or degree of ownership being sold is currently and accurately vested in the seller. » The presence of any unsatisfied mortgages; judgments or similar liens which must be satisfied before “clear title” can be conveyed. » Existing restrictions, easements, rights of way or other rights granted to others who are not owners which may limit the right of ownership. » The status of property taxes and other public or private assessments. These matters will be reflected in a preliminary report or “title commitment”. The preliminary report is issued to the mortgage lender or purchaser before the closing. As you can see, the title company is constantly involved in the sales transaction almost from the time the purchase agreement is signed, through and beyond the closing. Working mostly behind the scenes, but always in close coordination with agents, escrow, lenders, and legal counsel, Ticor Title strives to carry out this complex procedure in an efficient and friendly manner. Title insurance protection gives a homeowner peace of mind by protecting the security of the home and the safety of the investment. A HOME designed to meet the individual needs of the family is a wonderful experience, but before the buyers actually get their dream home, they will run headlong into dozens of home ownership details.
Page | 8 © 2025 Ticor Title, All Rights Reserved. COMPANY FACT SHEET Ticor Title Company A subsidiary of a FORTUNE 500® Company Excludes Discontinued Operations. All Figures in US dollars. Source: FNF 10-Q *Excluding recognized gains and losses.**”FORTUNE®”and “FORTUNE 500®”are registered trademarks of Time Inc.Time Inc. is not aliated with, and does not endorse the products and services ofFidelity National Financial, its subsidiaries, or aliates. QUARTER 2 2025 FINANCIAL HIGHLIGHTS Ticor Title is a member of the Fidelity National Financial family of companies and the nation’s largest group of title companies and title insurance underwriters – Fidelity National Title, Chicago Title, Commonwealth Land Title, Alamo Title and National Title Insurance of New York – that collectively issue more title insurance policies than any other title company in the United States. FNF TITLE SEGMENT FINANCIAL STRENGTH / CLAIMS PAYING ABILITY RATINGS Financial Information for the Three Months Ending June 30, 2025. $15.2 $71.3 $1.7 $1.16 336 30.9% $337 $2.2 246 313 A A2 billion billion thousand Fortune 500® 2022 Standard & Poor’s Moody’s million Market Share thousand billion billion Adjusted EPS FNF Market Cap Total Revenue* Adjusted Pre-Tax Earnings Direct Orders Opened Direct Orders Closed Highest Ranked Company in the Title Insurance Industry Overall Market Share Source: ALTA 3 Months 2025 Investment Portfolio Claim Reserves Adjusted EPS to Common Shareholders-Diluted
Page | 9 © 2025 Ticor Title, All Rights Reserved. Ticor Online Pro has market-leading property data information and analytics to help build your business. You can search for real-time property information, such as property addresses, property characteristics, tax information, mortgage leads, and more. Your data needs are met 24/7 with Ticor Online Pro! With ProSeries, you can search for real time property information like: » Property Address » Assessor’s Parcel Number (APN) » Mailing address » Legal description » Tax information » Property characteristics » Nearby properties » Comparable sales and plat maps TICOR ONLINE PRO Ticor Online Pro www.TicorOnlinePro.com
Page | 10 © 2025 Ticor Title, All Rights Reserved. The best tool for realtors. Simple, powerful and affordable. Do you want to find all the three bedroom properties in a particular zip code? Just the non-owner-occupied ones? Then you want to send that list to another agent? And find out more details about the three or four most expensive properties on that list? You can do all that and so much more - in one place with Title Toolbox Ticor Toolbox is an easy-to-use suite of tools designed to put real estate professionals in control of their data needs. It allows you to pull property information by specific search, drawing the radius or boundary; pull farms; save or share searches; generate reports; and more! Ticor Toolbox works on any device and makes searching simple. www.ocTicorToolbox.com TICOR TOOLBOX Ticor Toolbox
Page | 11 © 2025 Ticor Title, All Rights Reserved. TICOR EXPRESS Virtual Desktop on the Net. 24/7 Online Access » Customizable Reports 24/7 » Customizable Tools Access home warranty information, frequently used legal documents, real estate newspublications, etc. » Reliable Data and Products » PocketProfile App Access data from your mobile device by downloading our free app from your device’s mobile app store. (Use of PocketProfile requires you to have a registered account.) 24/7 Access and Ease of Use: TicorExpress Makes Your Job a Breeze. www.TicorExpress.com TicorExpress
Page | 12 © 2025 Ticor Title, All Rights Reserved. TicorAgent REAL ESTATE’S # 1 CLOSING COST APP BUYER ESTIMATES Get payment info and estimated funds to closing in a flash. RENT VS. BUY Show renters that buying may be better for them than renting. MONTHLY AFFORDABILITY Show your buyer what they can afford based on their desired payment. MUCH MORE TicorAgent ONE includes 12 calculators that are free. SELLERS NEW SHEETS Make listing presentations, offers and counters a snap. This product is being provided as a general service to community at large without the condition of the referral of title insurance and/or settlement services business. SELL TO NET Seller have a net goal in mind? No problem with sell to net. TicorAgent ONE is available for iPhone, Android, and Windows desktop. Download the latest version from the app store. TICORAGENT ONE
PREMIER RESIDENTIAL TEAM CARING IS OUR COMPETITIVE EDGE CANDY CHURCH Senior Title Officer (619) 718-3283 (619) 260-5281 Candy.Church@ticortitle.com MARINA NGUYEN Title Officer (619) 260-2580 Marina.Nguyen@ticortitle.com GENNIE AGUON Customer Service Supervisor (619) 686-8383 (619) 298-4835 Gennie.Aguon@ticortitle.com FRANCISCO GUTIERREZ Farming Specialist (619) 686-8383 (619) 289-4835 Francisco.Gutierrez@ticortitle.com TICOR TITLE COMPANY 2275 Rio Bonito Way Suite 160 San Diego, California 92108 Phone: (800) 325-3467 Fax: (619) 692-958 MANAGEMENT CUSTOMER SERVICE TITLE JOHN BLOOMQUIST President (619) 857-9004 John.Bloomquist@TicorTitle.com TONY SANTIAGO VP, Sales Manager (619) 410-7917 Tony.Santiago@ticortitle.com MARK THOMAS Sales & Commercial Operations Manager/VP (760) 453-8334 Mark.Thomas@ticortitle.com CINDY YOUNGERS Title Operations Manager (619) 260-5218 Cindy.Youngers@ticortitle.com Page | 13 © 2025 Ticor Title, All Rights Reserved. IMPORTANT CONTACTS
TICOR TITLE COMPANY 2275 Rio Bonito Way, Suite 160 San Diego, California 92108 Phone: (800) 325-3467 Fax: (619) 692-958
RkJQdWJsaXNoZXIy MTE3NDEz