CHANGING THE NATURE OF RISK

INSURANCE AND FINANCIAL SERVICES, NAMELY FINANCIAL GUARANTY INSURANCE AND REINSURANCE SERVICES, MORTGAGE GUARANTY INSURANCE SERVICES, AND [ REAL ESTATE SERVICES, NAMELY CREDIT REPORTING SERVICES, PROPERTY APPRAISAL EVALUATION SERVICES, TITLE SERVICES, FLOOD ZONE DETERMINATION SERVICES, CLOSING SERVICES, RECORDATION SERVICES, AND DISBURSEMENT SERVICES ]