INVESTORS TITLE Business Summary

Investors Title Company (ITIC) operates a specialized insurance and financial services model primarily focused on underwriting and issuing residential and commercial title insurance policies. Revenue is driven by title premiums and escrow fees through its core subsidiaries, Investors Title Insurance Company and National Investors Title Insurance Company, alongside a growing "Non-Title Services" segment. This secondary stream provides counter-cyclical stability through 1031 tax-deferred exchange services, investment management, and agency consulting. In the competitive landscape, ITIC functions as a high-efficiency regional specialist, maintaining a strong foothold in the Eastern U.S. while competing for market share against national "Big Four" incumbents including Fidelity National Financial (FNF), First American Financial (FAF), and Old Republic International (ORI). Leadership is anchored by the founding Fine family, characterized by industry-leading executive tenure and a conservative capital allocation strategy. J. Allen Fine, the company’s founder, serves as Chairman, while his sons, James A. Fine, Jr. (President, CFO, and Treasurer) and W. Morris Fine (Executive Vice President and Secretary), manage day-to-day operations and financial strategy. Technical leadership is spearheaded by Daniel Minto, Senior Vice President of Engineering and Information Technology, who oversees the firm's proprietary digital closing and compliance platforms. The board of directors features seasoned professionals such as Tammy F. Coley and James H. Speed, Jr., ensuring robust oversight as the company navigates evolving federal real estate reporting regulations in 2026.