American Title, Inc., provides the following services for a specific fee:

1. Property/Title Searches - An examination of public records, laws and court decisions to ensure that no one except the Grantee (buyer) has a valid claim to the property, and to disclose past and current facts regarding ownership of the subject property
2. Document recordings - The recording of legal documentAmerican Title, Inc.on of an existing mortgage, UCC, assignment, deed, Quitclaim deed, etc. according to local regulAmerican Title, Inc.ons.
3. Flood Determinations - An examination of FEMA flood maps and electronic geo searching to ensure accurate flood Determinations.
4. Closings (Witness Closing) - To coordinate the appointment between a notary and client to sign and acknowledge loan documents.
5. Disbursements of Funds - To disburse any payments for the lender to the appropriate payee(s).

Your desire to utilize American Title, Inc. is based on your satisfactions. At no time does American Title, Inc. require a contract with our subscribers. We believe a satisfied customer will continue to use American Title, Inc. for their servicing needs.

1. Charges for completed reports will be billed according to our customer's needs.
   
2. Price Changes - American Title, Inc. may, upon 60 days prior written notice to customers, increase prices for certain services provided. Increase charges will apply at the start of the first billing period that begins on or after the effective date specified in the American Title, Inc. notice.
   
3. Payment - All invoices are payable on receipt. If American Title, Inc. does not receive payment within 30 days of the date of the invoice, the customer will pay interest on any unpaid amounts at the rate of 1.5% per month or the maximum rate allowed by law, whichever is less.
   
4. Payments should be made to:

American Title, Inc.
11010 Burdette St.
PO Box 641010
Omaha, Nebraska 68164

5. Visa/MasterCard/American Express - American Title, Inc. does accept Visa/MasterCard/American Express. There is a 2.73% +$0.34 processing fee assessed to the balance being charged.
   
6. Default by Customer - The customer will be deemed in default if they fail to pay any amount due according to the terms of the invoice. If the customer is in default, American Title, Inc. may: (1) cancel any reports in process; (2) suspend account until default is satisfied; (3) require prepayment for future orders.

American Title, Inc. success in providing reports depends in large measure on our customers' cooperation as "partners". Accordingly, the customer will provide as much detail as possible to assist American Title, Inc. in completing particular reports (i.e., legal description, number of mortgages, property location, correct names and spellings, etc.). Much of this information can be obtained from loan applications and/or credit reports. This information assists American Title, Inc. in completing reports in a timely manner.