Bom Dia! Buenos Dias!Bungiorno!Ohayogozaimasu!Gutten Morgen!Bonjour!Good Morning!

Berlitz Corporation –Language, Cultural and

Testing Services

Marcelo Almeida, Strategic Account Executive

Industry Trends

• Blended/Hybrid Learning- combines live training (face-to-face or virtual) teaching with online lessons (live or self-study).

• Gamification (latest materials are modularized and unit-based: review opportunities and end-of-course testing solutions).

• Mobile First (digital, accessible online, downloadable, apps)

Alternative household goods solutions for every need and budget

Industry Trends

Challenge with Managing the budget while fulfilling talent acquisition goals

• Effective January 1, 2018 repeal of the moving expense deduction

• Manpower Group Surveyed 39,195 employers in 43 countries and territories, 45% are challenged with filling open jobs

• SML’s survey, “The State of Employee Relocation” – 61.5% of the respondents feel pressure to find new ways to save transferee and their companies money

• Containers, ‘Crate & Freight, and other self-move options create growing need for labor help

U.S. Bank Home MortgageMortgage Industry Update

Shannon Edmiston

U.S. Bank - Corporate Relocation & Employee Programs

Industry Trends

• Summer relocation activity

• Current market challenges

• Technology in our industry

Stewart Title Relocation ServicesKelli R. Warren, CRP, GMSVice President kwarren@stewart.comstewart.com/relocation

Industry Trends

• Digital transformation in the real estate industry

• Lenders move toward digital mortgage fulfillment

• Consumers expect convenience and digital processes

• The industry is shifting

• Electronic signatures

• Electronic notarization

• Remote online notarization

• Stewart can offer all of the following:

• Electronic signatures on initial packages using DocuSign or similar platforms

• Hybrid, full and online eClosings using remote online notarization (RON)*

• 11 states now offer RON, more states to offer in 2018 and 2019

• Stewart works with Notarize and NotaryCam to perform online eClosings

• Streamlined, smooth closing process that benefits the lender, real estate agent, end consumer

• Benefits relocation professionals by offering a faster, easier closing and more celebratory experience for your customers

*Offered where available per state and county laws.

Trends in Relocation Home Inspections

Recurring items that you should be aware of

Industry Trends

Fidelity National Financial, Inc., (NYSE:FNF), currently ranked 302 on the Fortune 500, is a leading provider of title insurance and transaction services to the real estate and mortgage industries. Through its various title insurance underwriters, FNF is the largest title insurance company in the United States.

Fidelity National Title Group (FNTG), a division of FNF, acts as the holding company for various FNF divisions, including the title insurance underwriting brands, provides title insurance and escrow services. FNTG’s title insurance underwriters collectively issue more title insurance policies than any other title company with an overall market share of almost 34% and claims reserves of $1.5 billion.

Fidelity Residential Solutions, Inc. (FRS), a division of FNTG, is the dedicated relocation services provider offering real estate support services for home disposition and home purchase transactions. FRS handles title, equity, closing and payment management services. Through its divisions, FRS also handles additional property services to include appraisals, broker and inventory management and home/specialty inspections.

Fidelity Inspection & Consulting Services, Inc. (FICS), the relocation home/specialty inspection division of FRS, proud of the many partnerships with Relocation Management Companies, such as Relocation Today, allowing us to maintain the largest market share in the relocation channel.

Industry Trends

ERC property Assessment Versus Buyers inspection.

• ERC Assessment - To provide a professional opinion of a relocating employee’s home in its “as is” condition, as of the date of assessment, limited to the definitions and guidelines as established in the assessment.

• “Limited” to components listed in ERC assessment.

• “As-Is” Condition Purchase• Maintenance & cosmetic issues are excluded.• Not a Code Inspection – outside scope• Pictures of Defective Item provided.• Summary Page with problem & solution are

defined.• If repair need is inconclusive, Further

Evaluation by Specialist is necessary – IE –Structural engineer, electrician, roofer.

• Buyer’s Home Inspection - A whole, house, detailed inspection performed for the purpose of finding all that is wrong with a house before a purchase (buyer beware) .

• Minimum Guidelines set.• Varying Reports across industry – no consistency• Report formats include Narrative, Checklist, Combination

Video, Verbal, Photos w/ Captions or not.• Unlimited Reporting Scope• Invasive inspection (removing components) • Speculative to Future Conditions – will it fail or break?• May Include Code Issues• Preventative maintenance concerns (cleaning, servicing)• Inspector Recommendations (what if scenario’s)• Upgrades to the property and Cosmetic issue notations.

• Increased trend in radon warranty orders vs. radon testing

• Analysis 2017 shows 79% RSP (radon warranty) vs. 21% radon testing

• Analysis YTD shows 84% RSP vs. 16% radon testing (5% increase)

• Benefits of RSP

• EE friendly - no testing inconvenience; no mitigation costs to EE

• Client value - reduced re-sale costs

Industry Trends

0%

20%

40%

60%

80%

100%

2017 2018

21% 16%

79% 84%

Radon Testing vs. RSP Program

Radon Testing RSP Program

Christine Martin

Vice President – Operations

Frank Wisniewski, Jr.

Director – Account Management

Larry Sontag

Vice President – National Account Management

Industry Trends