1. Home Buyer Seminar Welcome Date:

2. Home Buyer Seminar Agenda: z Selecting a lawyer z Role of Real Estate Professional z Obtaining a mortgage z High Ratio mortgages z Title Insurance – do you need it?

3. Home Buyer Seminar Selecting a Lawyer

4. Home Buyer Seminar The Role of a Real Estate Professional

5. Home Buyer Seminar Applying for a Mortgage

6. Home Buyer Seminar High Ratio Mortgages

7. Home Buyer Seminar Title Insurance: z What is it? z Do I need it?

8. Home Buyer Seminar

9. What is Title Insurance: z An alternative method of assuring good title z An insurance policy that provides purchasers and mortgage lenders with protection against specific title risks

10. Typical Coverage: z Defects in title z Compliance risks z Access, other rights and defects Home Buyer Seminar

11. Exclusions and Exceptions: z Exclusions are general risks that all policies do not cover z Exceptions are specific risks that the policy for the property does not cover Home Buyer Seminar

12. What is TitlePLUS: z Title insurance...PLUS more z Two integrated components: y Title Insurance and Legal Services Coverage y Automated Delivery System Home Buyer Seminar

13. Differences between TitlePLUS and title insurance: z Expanded title coverage z The addition of legal services coverage z Single policy for both home buyer and lender z The benefit of a lawyer’s independent advice Home Buyer Seminar

14. Benefits for Home Buyers: z Cost savings z Better protection z Enhanced service from lawyers z Less complicated claims process Home Buyer Seminar

15. Questions?

16. Home Buyer Seminar Thanks for coming