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Revolutionizing Title & Settlement Services “National in Scale, Local in Knowledge” ENTITLE DIRECT ENTITLE DIRECT Homeowners: It’s easy to save potentially hundreds or even thousands on closing costs with ENTITLE DIRECT Our Value Proposition is Your Savings

Entitle direct title insurance overview 2015

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Revolutionizing Title & Settlement Services

“National in Scale, Local in Knowledge”

ENTITLE DIRECTENTITLE DIRECT

Homeowners:It’s easy to save potentially hundreds or even

thousands on closing costs with ENTITLE DIRECT

Our Value Proposition is Your Savings

Our Value Proposition Is Your Savings 2

ENTITLE DIRECT Has Saved ConsumersMillions of Dollars on Title Insurance

• Buying, Selling or Refinancing a Home?

• Save Hundreds or Even Thousands of Dollars* on Closing Costs

• Title Insurance is YOUR Choice – Not Your Attorney, Realtor or Loan Officer’s Choice

• We have already saved consumers millions of dollars in closing costs

*Title insurance regulations vary by state. Please obtain a free quote which will contain state-specific information and costs.

EnTitle Insurance Company title policies are the same industry standard policies adopted by the American Land Title Association (ALTA).

Our Value Proposition Is Your Savings 3

How ENTITLE DIRECT/EnTitle Insurance Company(EIC) Works:

• EIC’s direct title insurance policies are not written through commission-based title agents who often make 80% commission

• EIC filed significantly lower title premium rates with state insurance departments across the United States

• The savings from these lower rates are passed directly to OUR CUSTOMERS –saving them potentially hundreds or even thousands of dollars*

*Title insurance regulations vary by state. Please obtain a free quote which will contain state-specific information and costs.

EnTitle Insurance Company title policies are the same industry standard policies adopted by the American Land Title Association (ALTA).

Our Value Proposition Is Your Savings 4

Title insurance rates are set by a state insurance regulatory body.

In a vast majority of cases, rates are not set by the state. ENTITLE DIRECT’S rates have been approved at 25% below the competition in most states.

All title insurance underwriters file the same premium rates.

Other underwriters may collectively file identical rates through rate setting organizations but ENTITLE DIRECT files rates independently of other underwriters.

Myths & Facts about Title Insurance

MYTH 1

FACT 1

MYTH 2

FACT 2

Our Value Proposition Is Your Savings 5

Save Potentially Hundreds to Thousands of Dollars

Our Value Proposition Is Your Savings 6

ENTITLE DIRECT

• Established as lowest cost provider of title insurance in 2008*

• A subsidiary of PartnerRe Ltd. (NYSE: PRE) is the largest shareholder of EnTitle Insurance Company’s (EIC) parent

• More than 35 years of experience in title insurance and settlement services. Domiciled in OH with offices in PA, CA, TX and CT

• Works with nearly all major U.S. lenders – integrated ordering of title insurance and centralized operations

• Offers industry-standard title policies adopted by ALTA

• Carries an A’ – Unsurpassed, Financial Stability Rating® (FSR) from Demotech

Corporate HeadquartersStamford, CT

Specialist CenterPittsburgh, PA

EnTitle Insurance CompanyCleveland, OH

Full-Service Settlement & Escrow Office

Austin, TX

Full-Service Settlement & Escrow Office

Corona, CA

*Title insurance regulations vary by state. Please obtain a free quote which will contain state-specific information and costs.

Our Value Proposition Is Your Savings 7

ENTITLE DIRECT’S revolutionary business model provides the lowest closing costs and the highest service levels.

Our Value Proposition is Your Savings 8

Consumers Embrace ENTITLE DIRECT

"I searched the Internet for you and referred my friends... you saved them a lot of money on title insurance.“- James L. Ladera Ranch, CA

“Perfect service. Everything went smoothly. Excellent A++”– Todd M. Jacksonville, AL

"First rate! I saved money too. ENTITLE DIRECT is now my first choice and I will recommend them to everyone.“- Jon T. Hayward, CA

“Great customer service!! I have done many real estate closings in my career, and this was one of the easiest and best. I have already been recommending your service to others.”

– Blake M. Placida, FL

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Lenders Embrace ENTITLE DIRECT

“Their title fees are over 35%¹ less than anyone else. It certainly helps us win some deals.” – Private Mortgage Bankers, National Lender NY

“I look forward to bringing more business to ENTITLE DIRECT because My Closing Specialist is such a pleasure to work with…outstanding performance”. – Mortgage Broker, Regional Lender VA

“My Closing Specialist has exceptional customer service skills, always answered my questions immediately and worked WITH me.”– Loan Officer, Large National Lender, NY

Our Value Proposition Is Your Savings 10

The Press Embraces ENTITLE DIRECT

“ENTITLE DIRECT has received regulatory approval to sell title insurance…with a simple pricing strategy: Charge a flat 35%¹ less than the going rate in the market.”— Forbes

“…ENTITLE DIRECT charges lower premiums because it eliminates the middleman.”— Kiplinger’s

“I ended up getting insurance through a company called ENTITLE DIRECT, which charged $875.50 for that entire package — a savings of $787.”— CBS MoneyWatch

*Note (1): As of January 2015, our title premium rates in most states reflect a 25% discount relative to most of our competitors

Contact: Laura BurnsSenior Marketing Specialist

Entitle Direct Group, Inc. 260 Airside Drive

Moon Township, PA 15108

877-936-8485 ext.6237 [email protected]

ENTITLE DIRECTENTITLE DIRECT

Our Value Proposition is Your Savings