<SEC-DOCUMENT>0001104659-25-055547.txt : 20250602
<SEC-HEADER>0001104659-25-055547.hdr.sgml : 20250602
<ACCEPTANCE-DATETIME>20250602171637
ACCESSION NUMBER:		0001104659-25-055547
CONFORMED SUBMISSION TYPE:	DEFA14A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20250602
DATE AS OF CHANGE:		20250602

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Fidelity National Financial, Inc.
		CENTRAL INDEX KEY:			0001331875
		STANDARD INDUSTRIAL CLASSIFICATION:	TITLE INSURANCE [6361]
		ORGANIZATION NAME:           	02 Finance
		EIN:				161725106
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEFA14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-32630
		FILM NUMBER:		251016115

	BUSINESS ADDRESS:	
		STREET 1:		601 RIVERSIDE AVENUE
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32204
		BUSINESS PHONE:		904-854-8100

	MAIL ADDRESS:	
		STREET 1:		601 RIVERSIDE AVENUE
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32204

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Fidelity National Title Group, Inc.
		DATE OF NAME CHANGE:	20050630
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEFA14A
<SEQUENCE>1
<FILENAME>tm2516958d1_defa14a.htm
<DESCRIPTION>DEFA14A
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0"></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SCHEDULE 14A</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Proxy Statement Pursuant to Section 14(a) of<BR>
the Securities Exchange Act of 1934 (Amendment No. )</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Filed by the Registrant <FONT STYLE="font-family: Wingdings">&#120;</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Filed by a Party other than the Registrant <FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Check the appropriate box:</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD>Preliminary Proxy Statement</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD><B>Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</B></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD>Definitive Proxy Statement</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD>
    <TD>Definitive Additional Materials</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD>Soliciting Material under &sect;240.14a-12</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center"><FONT STYLE="font-size: 14pt"><B>Fidelity National Financial, Inc.</B></FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: center">(Name of Registrant as Specified In Its Charter)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="border-bottom: black 1pt solid; text-align: center">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2" STYLE="text-align: center">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">&nbsp;</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD COLSPAN="2">Payment of Filing Fee (Check the appropriate box):</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#120;</FONT></FONT></TD>
    <TD>No fee required.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD>Fee paid previously with preliminary materials.</TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Wingdings"><FONT STYLE="font-family: Wingdings">&#168;</FONT></FONT></TD>
    <TD>Fee computed on table in exhibit required by Item 25(b) per Exchange Act Rules 14a6(i)(1) and 0-11</TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 2pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
<TD STYLE="width: 50%"><IMG SRC="tm2516958d1_defa14aimg001.jpg" ALT="" STYLE="height: 81px; width: 130px"></TD>
<TD STYLE="text-align: right; width: 50%"><B>Michael L. Gravelle<BR>
</B> Executive Vice President, General<BR>
Counsel and Corporate Secretary<BR>
702-323-7334</TD></TR>
</TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="margin: 0pt 0">1701 Village Center Circle, Las Vegas, NV 89134</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">June 2, 2025</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dear Fellow Stockholders:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As described in the Fidelity National Financial, Inc. (&ldquo;FNF&rdquo;
or the &ldquo;Company&rdquo;) Definitive Proxy Statement for the 2025 Annual Meeting of Stockholders filed with the Securities and Exchange
Commission (the &ldquo;SEC&rdquo;) on April 28, 2025, the Company is seeking your support &ldquo;<B>FOR&rdquo; Proposal 2</B> approving
the redomestication of the Company to the State of Nevada by conversion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Since the filing of the Proxy Statement, the Company has become aware
of recent academic research that supports a vote <B>&ldquo;FOR&rdquo; Proposal 2</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In a research paper dated May 14, 2025, entitled &ldquo;<I>Lodestar
Multipliers in Delaware and Federal Attorney Fee Awards</I>,&rdquo; by Joseph Grundfest, former Commissioner of the United States SEC
and professor at Stanford University, Mr. Grundfest provides evidence of the outsized attorneys fees awarded by the State of Delaware.
Measured as frequencies over the most recent five-year period, attorney fee awards with multipliers of seven or more are 23.35 times more
frequent in Delaware than in federal court, and attorney fee awards with multipliers of ten or more are 57.07 times more frequent in Delaware
than in federal court. This research reflects that it may be more expensive for corporations to be incorporated in Delaware than any other
jurisdictions throughout the country.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We believe this is consistent with our Proxy Statement which indicates
that redomestication from Delaware to Nevada will result in significant financial benefits including potential cost savings in litigation
costs, including attorneys&rsquo; fees, which can be significant for corporate litigation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Below is an excerpt reproduced from the abstract of the paper:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&ldquo;We examine the incidence, frequency, and characteristics
of attorney fee awards with multipliers of seven or more (&ldquo;septuples&rdquo;) or ten or more (&ldquo;decuples&rdquo;) in Delaware
and Federal courts. We identify a total of 20 Delaware septuples, including 14 decuples, and 23 federal septuples, including 5 decuples.
Delaware courts have thus generated almost as many septuples as the entire federal system (87.0%) and almost triple the number of decuples
(280%). Measured as frequencies over the most recent five-year period (2000-2025), septuples are 23.35 times more frequent in Delaware
court than in federal court. Decuples are 57.07 times more frequent. Delaware&rsquo;s dominance in the count and frequency of septuples
and decuples arises primarily in the most recent five years and is concentrated in decuples. Measured over all time periods, Delaware&rsquo;s
maximum awarded multiplier of 66 almost quadruples (3.86x) the federal maximum awarded multiplier of 17.1. Delaware&rsquo;s maximum hourly
septuple rate, unadjusted for inflation, is $35,000, triple (3.04) the federal maximum of $11,507. Adjusting for inflation, and weighting
by the dollar value of fee awards, the average Delaware septuple award compensates plaintiff attorneys at a rate of $25,767/hour, or 3.80
times the comparable federal average of $6,777/hour. For decuples, the adjusted Delaware average award compensates plaintiff attorneys
at a rate of $26,094/hour, or 3.85 times the comparable federal rate of $6,785/hour. Two members of the Delaware Court of Chancery generated
11 Delaware&rsquo;s 20 septuples, more than half (55%) that population, and 9 of its 14 decuples, almost two-thirds (64.3%) of that population.
Over the most recent five years, these two members generated 8 of Delaware&rsquo;s 13 septuples (61.5%), and 6 of 8 decuples (75.0%).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"></P>

<!-- Field: Page; Sequence: 2; Options: NewSection; Value: 2 -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->2<!-- Field: /Sequence --></FONT></P></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">We draw no inferences from these data. Readers can reach
their own conclusions.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The remainder of the paper is available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5237545</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our Board of Directors and management continue to strongly support
redomestication to Nevada and believe it to be in the best interests of FNF and its stockholders.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">For the reasons detailed in the foregoing discussion, in our Proxy
Statement and in our supplemental materials filed with the SEC on May 30, 2025, we respectfully ask you to vote <B>&ldquo;FOR</B>&rdquo;
<B>Proposal 2</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Even if you have already voted, you can change your vote at any time
before the 2025 Annual Meeting (on June 11, 2025 at 10:00 a.m. (Eastern)), as described in more detail in FNF&rsquo;s Proxy Statement.
The Company&rsquo;s Proxy Statement, this supplemental proxy material and Annual Report on Form 10-K for the fiscal year ended December&nbsp;31,
2024 are available&nbsp;www.proxyvote.com.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Sincerely,&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Michael L. Gravelle</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Executive Vice President, General Counsel and Corporate Secretary</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 3; Options: Last -->
    <DIV STYLE="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 1pt solid"><P STYLE="text-align: center; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="font-size: 10pt"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></FONT></P></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>tm2516958d1_defa14aimg001.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 tm2516958d1_defa14aimg001.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0@)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1" ". .0# 2(  A$! Q$!_\0
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M'F,WOAY\2_#?A;P[/INJ3RQW(O)GVQPDC!(QS^%=?'\:O!DLBQK=W.YB /\
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MQ9_WQ_A]:/[8T[M?Q?\ ?8_P^E>G_P#"BO!WI?\ _?\ '_Q-'_"BO!WI?_\
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>Q9SW[7#EB4DF!3E@QX"CN*<IQD)1:.RHHHK$T/_9

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
