Dear Land America Customer:

The Financial Services Modernization Act recently enacted by Congress has brought many changes to the financial services industry, which includes insurance companies and their agents. One of the changes is that we are now required to explain to our customers the ways in which we collect and use customer information.

The statement below this letter is the privacy policy for the Land America family of companies. The three largest members of that family-Commonwealth Land Title Insurance Company, Lawyers Title Insurance Corporation, and Transnation Title Insurance Company-may issue policies and handle real estate closings in virtually every part of the country. A number of other companies in the family provide other real estate services, and some operate more locally. You may review a list of Land America companies on our website (http://www.landam.com). You may also visit our website for an explanation of our privacy practices relating to electronic communication.

Our concern with the protection of your information has been a part of our business since 1876, when the company that is now Commonwealth Land Title Insurance Company issued its first policy. We will continue to protect the privacy, accuracy, and security of customer information given to us.

No response to this notice is required, but if you have questions, please write to us:

Land America Privacy
P.O Box 27567
Richmond, VA 23261-7567

LAND AMERICA PRIVACY POLICY

What kinds of information we collect. Most of Land America’s business is title insurance, but there are companies in our family that provide other real estate services to consumers. We collect information about you, (for instance, your name, address, telephone number), and information about your transaction, including the identity of the real property that you are buying or financing. We obtain a copy of any deeds, notes, or mortgages that are involved in the transaction. We may get this information from you or from the lender, attorney, or real estate broker that you have chosen. Our title insurance companies then obtain information from the public records about the property so that we can prepare a title insurance policy. When we provide closing, escrow, or settlement services, mortgage lending, or mortgage loan servicing, we may get your social security number, and we may receive additional information from third parties including appraisals, credit reports, land surveys, escrow account balances, and sometimes bank account numbers to facilitate the transaction. If you are concerned about the information we have collected, please write to us.

How we use this information. The company giving or specifically adopting this notice does not share your information with marketers outside its own family. There’s no need to tell us to keep your information to ourselves because we share your information only to provide the service requested by you or your lender, or in other ways permitted by law. The privacy laws permit some sharing without your approval. We may share internally and with nonaffiliated third parties in order to carry out and service your transaction, to protect against fraud or unauthorized transactions, for institutional risk control, and to provide information to government and law enforcement agencies. Companies within a family may share certain information among themselves in order to identify and market their own products they think may be useful to you. Credit information about you is shared only to facilitate your transaction or for some other purpose permitted by law.

How we protect your information. We restrict access to nonpublic personal information about you to those employees who need the information to provide products or services to you. We maintain these physical, electronic, and procedural safeguards that comply with law to guard your nonpublic personal information. We reinforce the company’s privacy policy with our own employees.

Agents that may be covered by this policy. Often, your transaction goes through a title insurance agent. Agents that are part of the Land America family are covered by this policy. Agents that are not part of the Land America family may specifically, in writing, adopt our policy statement.

*All of us at Preferred Title of St. Joseph, LLC would like to thank you for using us for your recent title insurance needs. It was a pleasure to serve you and your family. In the future, should you decide to sell or refinance your home, we would like to ask that we be given the opportunity to serve you again. You will automatically be given a discount on any future title work concerning your property if you decide to sell or refinance.

Very Truly Yours,
The Staff of Preferred Title of St. Joseph, LLC