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Professional Ethical Standards of Conduct

Article 1

When contracted to perform services relative to the production of a title search and title commitment,
issuance of a title insurance policy or escrow on behalf of a buyer, seller, homeowner, borrower or other
customer, a Member will pledge to objectively protect and promote the interests of their customer. This
obligation to the customer is primary, but it relieves no Member of their obligation to treat all parties
honestly, including when serving those parties who do not have contractual relations with the Member.

Article 2

A Member will avoid exaggeration, misrepresentation, or concealment of pertinent facts relating to any real
estate settlement services they provided or were engaged to provide.

Article 3

A Member will cooperate in a timely fashion with other title agents, legal representatives, interested parties
and real estate settlement service providers to resolve any cloud on title that arose from a prior transaction
handled by the member and whose disclosure is not otherwise prohibited under law.

Article 4

A Member will not engage or participate in any real estate transaction or business arrangement where a
conflict of interest exists.

1. A Member will not undertake to provide real estate settlement services concerning a property where
they, their family members, their firms or any members thereof have a present or contemplated
interest unless such interest is specifically and timely disclosed to all affected parties, including
principals, and informed consent is obtained from all affected parties.

2. A Member will not participate in any agreement or arrangement, whether oral or written, that results
in the payment to any person of any commission, rebate, dividend, distribution or other thing of
value received or provided to encourage a referral of real estate settlement business.

Article 5

A Member will not commingle their own funds with any trust account or other special account required by

Article 6

A Member will not deny real estate settlement services nor discriminate against any person for reasons of
race, color, religion, sex, handicap, familial status, national origin, gender identification or sexual

Article 7

The real estate settlement services which a Member provides to their customers will conform to the
standards of practice and competence reasonably expected in the specific real estate settlement services
disciplines in which they engage. A Member will not engage in or advise on matters outside their real estate
settlement services license or disclose facts confidential under agency or non-agency relationships as
defined by state law.

Article 8

A Member will practice truth in advertising, marketing and other representations regarding their real estate
settlement services.

Article 9

1. A Member who knows of a violation of these Rules of Conduct that raises a question of any
Members honesty, trustworthiness, or fitness as a Member in other respects, will inform the
appropriate authority empowered to investigate or act upon such violation.

2. A Member who knows of a violation of any law or regulation that raises a question on any real
estate settlement professionals honesty or trustworthiness, will inform the appropriate authority
empowered to investigate or act upon such violation.

3. A Member has a duty to cooperate fully with any professional standards proceeding or investigation
and any regulatory enforcement action or investigation and will take no action to disrupt or obstruct
any such process.

Article 10

If convicted of a crime involving fraud, theft or dishonesty, a Member will automatically be expelled from
the organization.