DISCLOSURE

PLEASE NOTE: In the preparation of these web pages, every effort has been made to offer the

most current, correct and clearly expressed information possible. Nonetheless, inadvertent

errors can occur, and applicable laws and regulations often change. Accordingly, ROC Title,

LLC reserves the right to update and change its website to reflect changes in Title Rates, to

correct typographical errors, to revise information, or for any other reason that, in the sole

discretion of ROC Title, LLC, best suits the purposes of the Company.

ROC Title, LLC presents the information on this web site and links to other sites as a service to

our clients and other Internet users. We make no representation, warranty or guarantee

concerning the accuracy or reliability of the content on sites to which we link. Any unauthorized

downloading and distribution of any copyrighted material from this site or sites to which we link,

without the copyright owner’s written permission, is strictly prohibited.

None of the information provided on ROC Title, LLC’s website should be construed as legal

advice, nor as a substitute for either a Title Insurance commitment or Title Insurance policy.

Title Insurance commitments and policies are legal contracts, the terms and applications of

which are governed by the laws of the state in which the property is located. Therefore, in the

unlikely event of a conflict between the statements made in this web page and the terms and

conditions of the actual commitment and/or policy, the actual commitment and/or policy will

govern. You may wish to consult with an attorney concerning title insurance, as well as any

legal questions or advice regarding any real estate transaction.

AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE STATEMENT

This is to give you notice that Realty One Group (hereinafter “ROG”) has a business relationship

with ROC Title, LLC (“ROC Title”). The nature of the relationship is that some or all of the

shareholders/owners of ROG own, either directly or via a “holding company”, up to 50% of ROC

Title. Because of this relationship, this referral may provide the shareholders/owners of ROG

with a financial or other benefit.

YOU ARE NOT REQUIRED TO USE THE LISTED PROVIDERS AS A CONDITION FOR THE

PURCHASE OR REFINANCE OF THE SUBJECT PROPERTY. THERE ARE FREQUENTLY

OTHER TITLE INSURANCE AND/OR SETTLEMENT PROVIDERS WITH SIMILAR

SERVICES. YOU ARE FREE TO AND ARE ENCOURAGED TO SHOP AROUND TO

DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE

FOR THESE SERVICES.

Terms and Conditions

Welcome to our website. If you continue to browse and use this website, you are

agreeing to comply with and be bound by the following terms and conditions of use,

which together with our privacy policy govern ROC Title’s relationship with you in

relation to this website. If you disagree with any part of these terms and conditions,

please do not use our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It

is subject to change without notice.

This website uses cookies to monitor browsing preferences. If you do allow cookies to

be used, non-personal information may be stored.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy,

timeliness, performance, complete- ness or suitability of the information and materials

found or offered on this website for any particular purpose. You ac- knowledge that such

information and materials may contain inaccuracies or errors and we expressly exclude

liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for

which we shall not be liable. It shall be your own responsibility to ensure that any

products, services or information available through this website meet your specific

requirements.

This website contains material which is owned by or licensed to us. This material

includes, but is not limited to, the design, layout, look, appearance and graphics.

Reproduction is prohibited other than in accordance with the copyright notice, which

forms part of these terms and conditions.

All trade marks reproduced in this website which are not the property of, or licensed to,

the operator are acknowledged on the website. Unauthorized use of this website may

give rise to a claim for damages and/or be a criminal offense.

From time to time this website may also include links to other websites. These links are

provided for your convenience to provide further information. They do not signify that we

endorse the website(s). We have no responsibility for the content of the linked

website(s).

Your use of this website and any dispute arising out of such use of the website is

subject to the laws of the United States of America.

We Are Committed to Safeguarding Customer Information

In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information – particularly any personal or financial information. We agree that you have a right to know how we will utilize the personal information you provide to us. Therefore, together with our parent company, ROC Title Agency, LLC, we have adopted this Privacy Policy to govern the use and handling of your personal information.

Applicability

This Privacy Policy governs our use of the information which you provide to us. It does not govern the manner in which we may use the information we have obtained from any other source, such as information obtained from public records or from another person or entity. ROC Title Agency, LLC has also adopted broader guidelines that govern our use of personal information regardless of its source. ROC Title Agency, LLC calls these guidelines its Fair Information Values, a copy of which can be found on our underwriter’s website at www.firstam.com

Types of Information

Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include:

• Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or any other means;
• Information about your transactions with us, our affiliated companies, or others; and
• Information we receive from a consumer reporting agency.

Use of Information

We request information from you for our own legitimate business purposes and not for the benefit of any nonaffiliated party. Therefore, we will not release your information to nonaffiliated parties except (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information indefinitely, including the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis. We may also provide all of the types of nonpublic personal information listed above to one or more of our affiliated companies. Such affiliated companies include financial service providers, such as title insurers, property and casualty insurers, and trust and investment advisory companies, or companies involved in real estate services, such as appraisal companies, home warranty companies, and escrow companies. Furthermore, we may also provide all the information we collect, as described above, to companies that perform marketing services on our behalf, on behalf of our affiliated companies, or to other financial institutions with whom we or our affiliated companies have joint marketing agreements.

Former Customers

Even if you are no longer our customer, our Privacy Policy will continue to apply to you.

Confidentiality and Security

We will use our best efforts to ensure that no unauthorized parties have access to any of your information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best effects to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and ROC Title Agency, LLC’s Fair Information Values. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.