720858--3/21/2006--INVESTORS_TITLE

related topics

{loss, insurance, financial}

{regulation, change, law}

{condition, economic, financial}

{capital, credit, financial}

{personnel, key, retain}

{financial, litigation, operation}

{cost, operation, labor}

{competitive, industry, competition}

{operation, international, foreign}

The Company s results of operations and financial condition are susceptible to housing markets and changes in mortgage interest rates and general economic conditions and seasonality. Insurance regulations limit the ability of the Company s insurance subsidiaries to pay dividends to it The Company s insurance subsidiaries are subject to additional complex state government regulations. The Company s non-insurance subsidiaries are also subject to state and federal regulations. The performance of the Company s investments depends on conditions that are outside its control. The Company may encounter difficulties managing growth, which could adversely affect its results. Competition in the Company s business affects its revenues The Company s success depends on its ability to attract and retain key personnel and agents. Differences between actual claims experience and underwriting and reserving assumptions may adversely affect the Company s financial results. The Company may experience significant claims relating to its title insurance operations which would adversely affect its results. A downgrade or a potential downgrade in one of the Company s financial strength ratings could result in a loss of business. Regulatory and legal actions may result in financial losses and harm to the Company s reputation. The Company may experience losses resulting from fraud, defalcation or misconduct.

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720858--3/21/2006--INVESTORS_TITLE_CO