Company Highlights

· Rated A' by Demotech, Inc. and A+ by LACE Financial Corporation.
· Historical claim loss incurred to gross premiums written ratio for the life of the company is 2.11 percent—much less than the industry average.
· Company may retain risk in excess of $13,800,000 on any one policy, but maintains a conservative underwriting strategy with all individual policy
        liability over $2,000,000 reinsured.
· Superior liquidity with over 90 percent of invested assets in cash.
· Surplus as regards to policyholders has more than doubled since 2001.
· Gross premiums have more than doubled since 2001.
· No long term debt.

Ratings for Title Resources Guaranty Company

After much delay and speculation, the Federal National Mortgage Association (FNMA) released a directive letter in the fall of 1994 requiring all title insurers doing business with FNMA to have an acceptable rating from one of five approved, third-party rating bureaus. All FNMA loans closed after December 31, 1994, must be insured by a title insurance company with one or more of the following ratings from the services indicated:

• A "BBB" or better rating from Standard and Poors, Inc.;
• A "Financial Stability Rating" of "S" (strong) or better rating or a "Statutory Accounting Rating" of "C" (average) or better rating from Demotech, Inc.
• A "C" or better rating from LACE Financial Corporation;
• A "Baa" or better rating from Moody's Investor Service; or
• A "BBB" or better rating from Duff and Phelps Credit Rating Company.

Title Resources Guaranty Company has received the following ratings:

Both companies sell copyrighted books which contain the ratings and other information concerning the companies they have rated.

LACE says, "A LACE rating of 'A+', 'A', or 'B' indicates that a title insurance company has a strong overall financial condition that will allow it to meet its future claims. As a rule, these companies have good operating earnings, are well capitalized and have adequate reserves."

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Last modified by EF on January 21, 2008