<SEC-DOCUMENT>0001206774-13-001393.txt : 20130411
<SEC-HEADER>0001206774-13-001393.hdr.sgml : 20130411
<ACCEPTANCE-DATETIME>20130411161539
ACCESSION NUMBER:		0001206774-13-001393
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		9
CONFORMED PERIOD OF REPORT:	20130515
FILED AS OF DATE:		20130411
DATE AS OF CHANGE:		20130411
EFFECTIVENESS DATE:		20130411

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			INVESTORS TITLE CO
		CENTRAL INDEX KEY:			0000720858
		STANDARD INDUSTRIAL CLASSIFICATION:	TITLE INSURANCE [6361]
		IRS NUMBER:				561110199
		STATE OF INCORPORATION:			NC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-11774
		FILM NUMBER:		13756427

	BUSINESS ADDRESS:	
		STREET 1:		121 N COLUMBIA ST
		STREET 2:		P O DRAWER 2687
		CITY:			CHAPEL HILL
		STATE:			NC
		ZIP:			27514
		BUSINESS PHONE:		9199682200

	MAIL ADDRESS:	
		STREET 1:		121 NORTH COLUMBIA STREET
		CITY:			CHAPEL HILL
		STATE:			NC
		ZIP:			27514
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>investitlecomp_def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>

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<DIV style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>SCHEDULE 14A </FONT></DIV>
<DIV>&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>(Rule 14a-101) </FONT></DIV>
<DIV>&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>INFORMATION REQUIRED IN PROXY STATEMENT </FONT></DIV>
<DIV>&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>SCHEDULE 14A INFORMATION </FONT></DIV>
<DIV>&nbsp;</DIV>
<DIV style="TEXT-ALIGN: center"><FONT style="FONT-FAMILY: Times New Roman" size=2>Proxy Statement Pursuant to Section 14(a) of the<BR>Securities Exchange
Act of 1934 (Amendment No. )</FONT><FONT style="FONT-FAMILY: Times New Roman">
</FONT></DIV>
<DIV>&nbsp;</DIV>
<DIV align=left>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="12%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Filed by the Registrant
      [X]</FONT></TD>
    <TD vAlign=top noWrap align=left width="88%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="12%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Filed by a Party other than
      the Registrant [&nbsp;&nbsp; ]&nbsp; </FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2></FONT></TD>
    <TD vAlign=top noWrap align=left width="87%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="12%"  colSpan=3>&nbsp; </TD>
    <TD vAlign=top noWrap align=left width="1%" ></TD>
    <TD vAlign=top noWrap align=left width="87%" ></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="12%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>Check the appropriate
      box:</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top noWrap align=left width="87%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top noWrap align=left width="10%"><FONT style="FONT-FAMILY: times new roman" size=2>Preliminary Proxy
      Statement</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]&nbsp;
    </FONT></TD>
    <TD vAlign=top noWrap align=left width="87%"><FONT style="FONT-FAMILY: times new roman" size=2>Soliciting Material Under Rule
      14a-12</FONT></TD></TR>
  <TR style="LINE-HEIGHT: normal" vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="10%"><FONT style="FONT-FAMILY: times new roman" size=2>Confidential, For Use of
      the<BR>Commission Only (as permitted<BR>by Rule 14a-6(e)(2))</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="87%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[X]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="10%"><FONT style="FONT-FAMILY: times new roman" size=2>Definitive Proxy
      Statement</FONT></TD>
    <TD vAlign=top noWrap align=left width="88%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp; ]</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="10%"><FONT style="FONT-FAMILY: times new roman" size=2>Definitive Additional
      Materials</FONT></TD>
    <TD noWrap align=left width="88%" colSpan=2>&nbsp;</TD></TR></TABLE></DIV><BR>
<DIV>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="94%"><FONT style="FONT-FAMILY: times new roman" size=2>Investors Title Company</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" width="3%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" width="94%"><FONT style="FONT-FAMILY: times new roman" size=2>(Name of Registrant as
      Specified In Its Charter)</FONT></TD>
    <TD style="TEXT-ALIGN: center" width="3%">&nbsp;</TD></TR>
  <TR>
    <TD width="3%" ></TD>
    <TD width="94%" >&nbsp; </TD>
    <TD width="3%" ></TD></TR>
  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="94%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR>
  <TR>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="94%">
      <DIV align=center><FONT style="FONT-FAMILY: times new roman" size=2>(Name
      of Person(s) Filing Proxy Statement, if Other Than the
      Registrant)</FONT></DIV></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%">&nbsp;</TD></TR></TABLE></DIV><BR>
<DIV>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="100%" colSpan=5><FONT style="FONT-FAMILY: times new roman" size=2>Payment of Filing Fee (Check
      the appropriate box):</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>[X]</FONT></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top noWrap align=left width="98%" colSpan=3><FONT style="FONT-FAMILY: times new roman" size=2>No fee required.</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%">
      <DIV><FONT style="FONT-FAMILY: times new roman" size=2><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp;
      ]</FONT></FONT></DIV></TD>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=left width="98%" colSpan=3>
      <DIV><FONT style="FONT-FAMILY: times new roman" size=2>Fee computed on
      table below per Exchange Act Rules 14a-6(i)(4) and
0-11.</FONT></DIV></TD></TR>
  <TR>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top align=right width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top align=right width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top align=right width="1%"><FONT size=2>1)</FONT></TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top align=left width="1%">&nbsp;<FONT size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD vAlign=top align=left width="96%"><FONT size=2>Title of each class of
      securities to which transaction applies:</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: left" vAlign=top width="96%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;
      </FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ><FONT size=2>2)</FONT></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD vAlign=top width="96%" ><FONT size=2>Aggregate number of
      securities to which transaction applies:</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="96%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ><FONT size=2>3)</FONT></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD vAlign=top width="96%" ><FONT size=2>Per unit price or
      other underlying value of transaction computed pursuant to Exchange Act
      Rule 0-11 (set forth the amount on which the filing fee is calculated and
      state how it was determined):</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="96%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ><FONT size=2>4)</FONT></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD vAlign=top width="96%" ><FONT size=2>Proposed maximum
      aggregate value of transaction:</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="96%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ><FONT size=2>5)</FONT></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD vAlign=top width="96%" ><FONT size=2>Total fee
      paid:</FONT></TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=right width="1%" ></TD>
    <TD vAlign=top align=left width="1%" ></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="96%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top align=right width="1%">
      <DIV><FONT style="FONT-FAMILY: times new roman" size=2><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp;
      ]</FONT></FONT></DIV></TD>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD vAlign=top align=left width="98%" colSpan=3>
      <DIV><FONT style="FONT-FAMILY: times new roman" size=2>Fee paid previously
      with preliminary materials:</FONT></DIV></TD></TR>
  <TR style="LINE-HEIGHT: normal">
    <TD vAlign=top align=right width="1%">
      <DIV><FONT style="FONT-FAMILY: times new roman" size=2><FONT style="FONT-FAMILY: times new roman" size=2>[&nbsp;&nbsp;
      ]</FONT></FONT></DIV></TD>
    <TD vAlign=top align=right width="1%"><FONT style="FONT-FAMILY: times new roman" size=2>&nbsp;</FONT></TD>
    <TD style="TEXT-ALIGN: left" vAlign=top width="98%" colSpan=3>
      <DIV style="TEXT-ALIGN: left"><FONT style="FONT-FAMILY: times new roman" size=2>Check box if any part of the fee is offset as provided by Exchange
      Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee
      was paid previously. Identify the previous filing by registration
      statement number, or the form or schedule and the date of its
      filing.</FONT></DIV></TD></TR>
  <TR vAlign=bottom>
    <TD style="PADDING-TOP: 4pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>1)</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="96%"><FONT style="FONT-FAMILY: times new roman" size=2>Amount previously
    paid:</FONT></TD></TR>
  <TR>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top noWrap align=left width="96%">&nbsp;</TD></TR>
  <TR style="PADDING-TOP: 4pt" vAlign=bottom>
    <TD style="PADDING-TOP: 4pt" vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>2)</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="96%"><FONT style="FONT-FAMILY: times new roman" size=2>Form, Schedule or Registration
      Statement No.:</FONT></TD></TR>
  <TR>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top noWrap align=left width="96%">&nbsp;</TD></TR>
  <TR style="PADDING-TOP: 4pt" vAlign=bottom>
    <TD style="PADDING-TOP: 4pt" vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>3)</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="96%"><FONT style="FONT-FAMILY: times new roman" size=2>Filing Party:</FONT></TD></TR>
  <TR>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="PADDING-BOTTOM: 1pt" vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top noWrap align=left width="96%">&nbsp;</TD></TR>
  <TR style="PADDING-TOP: 4pt" vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>&nbsp;</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2>4)</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="96%"><FONT style="FONT-FAMILY: times new roman" size=2>Date Filed:</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="1%" ></TD>
    <TD vAlign=top noWrap align=left width="1%" ></TD>
    <TD vAlign=top noWrap align=left width="1%" ></TD>
    <TD vAlign=top noWrap align=left width="1%" ></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top noWrap align=left width="96%" >&nbsp;</TD></TR></TABLE></DIV><BR>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<div align=center><IMG src="investitlecomp_def14a1x1x1.jpg" border=0></div>
<DIV align=center>
<TABLE style="PADDING-BOTTOM: 12pt; LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="99%"><FONT face="Times New Roman" size=4>121 North Columbia Street, Chapel Hill, North
      Carolina 27514<BR>(919)<FONT size=3 face="Times New Roman"> </FONT><FONT face="Times New Roman" size=4>968-2200</FONT></FONT></TD></TR></TABLE></DIV><BR>
<P align=left><FONT face="Times New Roman">April 12, 2013 </FONT></P><BR>
<P align=left><FONT face="Times New Roman">Dear Shareholders: </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman">You are cordially
invited to attend the Annual Meeting of Shareholders of Investors Title Company
to be held at The Siena Hotel, 1505 East Franklin Street, Chapel Hill, North
Carolina on Wednesday, May 15, 2013, at 11:00 a.m. EDT. </FONT></P>
<P align=left><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; The Annual Meeting will
begin with a review of the activities of the Company for the past year and a
report on current operations during the first quarter of 2013, followed by
discussion and voting on the matters set forth in the accompanying Notice of
Annual Meeting and Proxy Statement. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; Whether or not you plan to attend the
meeting, I urge you to review the Proxy Statement and vote as soon as possible
to ensure that your shares are represented at the meeting. The Proxy Statement
explains more about proxy voting, so please read it carefully.</FONT></P>
<DIV align=right>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="40%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face="Times New Roman">Cordially,</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%"><IMG src="investitlecomp_def14a1x1x2.jpg" border=0></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face="Times New Roman">J. Allen Fine</FONT></P></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face="Times New Roman">Chief Executive
  Officer</FONT></P></TD></TR></TABLE>&nbsp;</DIV>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<DIV align=center><IMG src="investitlecomp_def14a1x2x1.jpg" border=0></DIV>
<div align=center><FONT face="Times New Roman" size=4>121 North Columbia Street, Chapel Hill,
North Carolina 27514<BR></FONT><FONT face="Times New Roman" size=4>(919)
968-2200</FONT></DIV><BR>
<DIV align=center>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=16 width="95%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="99%"><B><FONT face="Times New Roman" size=5>NOTICE OF ANNUAL
      MEETING OF SHAREHOLDERS<BR>TO BE HELD ON MAY 15,
  2013</FONT></B></TD></TR></TABLE></DIV><BR>
<P align=left><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; The Annual Meeting of
the Shareholders of Investors Title Company will be held at The Siena Hotel,
1505 East Franklin Street, Chapel Hill, North Carolina, on Wednesday, May 15,
2013 at 11:00 a.m. EDT, for the following purposes: </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman">(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman">To elect the three directors
      nominated by the Board of Directors for three-year terms or until their
      successors are elected and qualified;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman">(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman">To hold an advisory vote to
      approve executive officer compensation;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman">(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman">To hold an advisory vote on
      the frequency of the advisory vote to approve executive officer
      compensation;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman">(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman">To ratify the appointment of
      Dixon Hughes Goodman LLP as the Company&#146;s independent registered public
      accounting firm for 2013; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman">(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman">To consider any other
      business that may properly come before the
meeting.</FONT></TD></TR></TABLE>
<P align=left><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; Shareholders of record
of Common Stock of the Company at the close of business on April 2, 2013 are
entitled to notice of and to vote at the meeting and any adjournments or
postponements thereof. </FONT></P>
<DIV align=right>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="40%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><FONT face="Times New Roman">By Order of the Board of Directors:</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%"><IMG src="investitlecomp_def14a1x2x2.jpg" border=0></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face="Times New Roman">W. Morris Fine </FONT></P></TD></TR>
  <TR>
    <TD noWrap align=left width="100%">Secretary </TD></TR>
  <TR>
    <TD noWrap align=left width="100%">
      <P align=left><FONT face="Times New Roman">April 12, 2013
</FONT></P></TD></TR></TABLE><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="BORDER-TOP: #000000 1pt solid; padding-top: 2pt" width="100%">
      <P align=left><B><FONT face="Times New Roman">IMPORTANT &#150; Please vote by Internet or
      mail as soon as possible so your shares will be voted promptly, even if
      you plan to attend the meeting in person. Additional information about
      voting is included in the accompanying Proxy Statement and on your proxy
      card. </FONT></B></P></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>
</DIV>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman">TABLE OF CONTENTS </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap align=right width="2%"><B><FONT face="Times New Roman" size=2>Page</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>GENERAL INFORMATION</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Proxy
      Solicitation by the Board of Directors</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Submitting and
      Revoking a Proxy</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Voting
      Securities</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Annual Report
      to Shareholders</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Important
      Notice Regarding the Availability of Proxy Materials for the Annual
      Meeting</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Of Shareholders to be Held on May 15, 2013</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Section 16(a)
      Beneficial Ownership Reporting Compliance</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; General
      Information</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>CORPORATE GOVERNANCE</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Code of
      Business Conduct and Ethics</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Shareholder
      Communications with Directors</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Independent
      Directors</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Executive
      Sessions</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Board of
      Directors and Committees</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Board
      Leadership Structure</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Board&#146;s
      Role in Risk Oversight</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>6</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>COMPENSATION OF DIRECTORS</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>STOCK OWNERSHIP OF CERTAIN BENEFICIAL
      OWNERS</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <STRONG>AND
      MANAGEMENT</STRONG></FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>PROPOSALS REQUIRING YOUR VOTE</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      <STRONG>Proposal 1 - Election of Directors</STRONG></FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>11</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Information Regarding Nominees for Election as Directors</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Information Regarding Directors Continuing in Office</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>12</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      <STRONG>Proposal 2 - Advisory Vote to Approve Executive
      Compensation</STRONG></FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="6%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      <STRONG>Proposal 3 -&nbsp;</STRONG></FONT></TD>
    <TD noWrap align=left width="90%"><STRONG><FONT size=2 face="Times New Roman">Advisory Vote on Frequency of
      Advisory Vote to Approve</FONT></STRONG></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="6%"><FONT face="Times New Roman" size=2><STRONG></STRONG></FONT></TD>
    <TD noWrap align=left width="90%"><STRONG><FONT size=2 face="Times New Roman">Executive
      Compensation</FONT></STRONG></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>15</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="6%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      <STRONG>Proposal 4 - </STRONG></FONT></TD>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><STRONG><FONT size=2 face="Times New Roman">Ratification of Appointment of
      Independent Registered Public</FONT></STRONG></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="6%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2><STRONG></STRONG></FONT></TD>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><STRONG><FONT size=2 face="Times New Roman">Accounting Firm</FONT></STRONG></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Audit and Non-Audit Fees</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>16</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Audit and Non-Audit Services Pre-Approval Policy</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>AUDIT COMMITTEE REPORT</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>EXECUTIVE COMPENSATION</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>CERTAIN RELATIONSHIPS AND RELATED
      TRANSACTIONS</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24</FONT></TD></TR>
  <TR>
    <TD align=left width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=2><B><FONT face="Times New Roman" size=2>SHAREHOLDER PROPOSALS FOR 2014 ANNUAL
      MEETING</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24</FONT></TD></TR></TABLE><BR>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>PROXY STATEMENT </FONT></B></P>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="100%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="100%"><B><FONT face="Times New Roman" size=2>ANNUAL
      MEETING OF SHAREHOLDERS OF<BR>INVESTORS TITLE COMPANY<BR>To Be Held on May
      15, 2013</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" width="100%"><B><FONT face="Times New Roman" size=2>&nbsp;</FONT></B></TD></TR></TABLE><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>This Proxy
Statement is furnished in connection with the solicitation by the Board of
Directors of Investors Title Company (the &#147;Company&#148;) of proxies to be voted at
the Annual Shareholders&#146; Meeting to be held at The Siena Hotel, 1505 East
Franklin Street, Chapel Hill, North Carolina, on May 15, 2013 at 11:00 a.m. EDT,
and at all adjournments or postponements thereof. Shareholders of record at the
close of business on April 2, 2013 are entitled to notice of and to vote at the
meeting and any adjournments or postponements thereof. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>GENERAL INFORMATION </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Proxy Solicitation by the Board of Directors</STRONG></FONT><FONT face="Times New Roman" size=2>. The solicitation of proxies is made on behalf of the
Company&#146;s Board of Directors and will be made either by mail or, as described
below, by electronic delivery. The cost of solicitation of proxies will be borne
by the Company. Copies of proxy materials and the Annual Report for 2012 will be
provided to brokers, dealers, banks and voting trustees or their nominees for
the purpose of soliciting proxies from the beneficial owners, and the Company
will reimburse these record holders for their out-of-pocket expenses.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Submitting and Revoking a Proxy</STRONG></FONT><FONT face="Times New Roman" size=2>. If you complete and submit your proxy, whether by mail or by Internet
voting, the persons named as proxy holders will vote the shares represented by
your proxy in accordance with your instructions. If you are a shareholder of
record and submit a proxy but do not fill out the voting instructions, the
persons named as proxy holders will vote your shares in the manner recommended
by the Board of Directors on all matters presented in this proxy statement. In
addition, if other matters are properly presented for voting at the meeting, the
persons named as proxies will vote on such matters in accordance with their best
judgment. The Company has not received notice of other matters that may be
properly presented for voting at the meeting.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>To ensure that your vote is recorded properly, please vote your shares as
soon as possible, even if you plan to attend the meeting in person. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>You may vote your shares by any of the following methods: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><I><FONT face="Times New Roman" size=2>By Internet. </FONT></I><FONT face="Times New Roman" size=2>You may vote by proxy via the Internet by following the instructions on
  the proxy</FONT> <FONT face="Times New Roman" size=2>card provided.<BR>&nbsp;</FONT>
  </LI><LI><I><FONT face="Times New Roman" size=2>By mail. </FONT></I><FONT face="Times New Roman" size=2>You
  may vote by proxy by signing and returning the proxy card
  provided.<BR>&nbsp;</FONT>
  </LI><LI><I><FONT face="Times New Roman" size=2>In person. </FONT></I><FONT face="Times New Roman" size=2>Stockholders of record and beneficial stockholders with shares held in
  street name may</FONT> <FONT face="Times New Roman" size=2>vote in person at the meeting.
  If you hold shares in street name, you must also obtain a legal proxy</FONT>
  <FONT face="Times New Roman" size=2>from your broker to vote in person at the
  meeting.</FONT> </LI></UL>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If you vote by Internet, please have your proxy card available. The
control number appearing on your card is necessary to process your vote. An
Internet vote authorizes the named proxy holders in the same manner as if you
marked, signed and returned a proxy card by mail. Each proxy executed and
returned by a shareholder may be revoked at any time thereafter except as to any
matter or matters upon which, prior to such revocation, a vote shall have been
cast pursuant to the authority conferred by such proxy. Shareholders with shares
registered directly in their names may revoke their proxy by (1) sending written
notice of revocation to the Corporate Secretary, P.O. Box 2687, Chapel Hill,
North Carolina 27515-2687, (2) submitting a subsequent proxy or (3) voting in
person at the </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>1</FONT></P>

<HR align=center width="100%" noShade SIZE=2>


<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>meeting. If you plan to attend the meeting
and you require directions, please call the Company at 919-968-2200. Attendance
at the meeting will not by itself revoke a proxy. A shareholder wishing to
change his or her vote who holds shares through a bank, brokerage firm or other
nominee must contact the record holder. </FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><B>Voting
Securities</B></FONT><FONT face="Times New Roman" size=2>. On April 2, 2013, the Company had
a total of 2,335,772 shares of Common Stock outstanding, its only class of
issued and outstanding capital stock. Of these shares, 2,044,096 shares are
entitled to one vote per share and 291,676 shares are held by a subsidiary of
the Company and, pursuant to North Carolina law, are not entitled to vote. A
majority of the shares entitled to vote at the meeting, represented at the
meeting in person or by proxy, will constitute a quorum. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Annual Report to Shareholders</STRONG></FONT><FONT face="Times New Roman" size=2>. An Annual Report of the Company for the calendar year 2012 including
financial statements and the independent registered public accounting firms&#146;
opinions, along with the Notice of Annual Meeting, Proxy Statement and proxy
card, are being first mailed to the Company&#146;s shareholders on or about April 12,
2013.</FONT><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>Important Notice Regarding the Availability of Proxy Materials
for the Annual Meeting of Shareholders to be Held on May 15,
2013</STRONG></FONT><FONT face="Times New Roman" size=2>. The Notice of Annual Meeting and
Proxy Statement and the Company&#146;s 2012 Annual Report (the &#147;Proxy Materials&#148;) are
available on the Company&#146;s website at </FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com/investors/proxy-materials</FONT></U><FONT face="Times New Roman" size=2> and at </FONT><U><FONT face="Times New Roman" size=2>www.proxyvote.com</FONT></U><FONT face="Times New Roman" size=2> as well as online to
certain shareholders that have arranged through their broker to receive the
Proxy Materials electronically. Shareholders that hold their shares in a
brokerage account may have the opportunity to receive future Proxy Materials
electronically. Please contact your broker for information regarding the
availability of this service. </FONT></P>
<P align=left><FONT face="Times New Roman"></FONT><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>Section 16(a) Beneficial
Ownership Reporting Compliance</STRONG></FONT><FONT face="Times New Roman" size=2>. Section
16(a) of the Securities Exchange Act of 1934 requires directors, executive
officers and all persons who beneficially own more than 10% of the Company&#146;s
securities to file reports with the Securities and Exchange Commission with
respect to beneficial ownership of Company securities. Based solely upon a
review of copies of the filings that the Company received with respect to the
fiscal year ended December 31, 2012, or written representations from certain
reporting persons, the Company believes that all reporting persons filed all
reports required by Section 16(a) in a timely manner, except David L. Francis
filed one late Form 5 reporting one transaction that occurred on December 21,
2007.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>General Information</STRONG></FONT><FONT face="Times New Roman" size=2>. A
copy of the Company&#146;s 2012 Annual Report on Form 10-K filed with the Securities
and Exchange Commission, or copies of the exhibits to the Form 10-K, can be
obtained without charge by contacting Investor Relations at
investorrelations@invtitle.com or P.O. Box 2687, Chapel Hill, North Carolina
27515-2687. </FONT></P>
<P STYLE="text-align: center"><B><FONT face="Times New Roman" size=2>CORPORATE GOVERNANCE </FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>Code of Business Conduct and
Ethics</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company has a Code of Business Conduct and Ethics that is applicable
to all of the Company&#146;s employees, officers and directors, including its Chief
Executive Officer, Chief Financial Officer and Chief Accounting Officer. This
Code addresses a variety of issues, including conflicts of interest, the
protection of confidential information, insider trading, and employment
practices. It also requires strict compliance with all laws, rules and
regulations governing the conduct of the Company&#146;s business.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Code of Business Conduct and Ethics is posted in the Corporate
Governance area of the Investor Relations section of the Company&#146;s website at
</FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com</FONT></U><FONT face="Times New Roman" size=2>. The Company intends to disclose future substantive amendments to or
waivers from the Code of Business Conduct and Ethics on its website within two
business days after such amendment or waiver.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>2 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Shareholder Communications with
Directors </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>Shareholders can
communicate with members of the Company&#146;s Board of Directors in one of two ways.
Shareholders may mail correspondence to the attention of the Corporate
Secretary, P.O. Box 2687, Chapel Hill, North Carolina 27515-2687. Any
correspondence sent via mail should clearly indicate that it is a communication
intended for the Board of Directors. Shareholders may also use electronic mail
to contact the Board of Directors at boardofdirectors@invtitle.com. The
Corporate Secretary regularly monitors this email account. Any communication
that is intended for a particular Board member or committee should clearly state
the intended recipient. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Corporate Secretary will review all communications sent to the Board
of Directors via mail and email and will forward all communications concerning
Company or Board matters to the Board members within five business days of
receipt. If a communication is directed to a particular Board member or
committee, it will be passed on only to that member or the members of that
committee. Otherwise, relevant communications will be forwarded to all Board
members. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Independent Directors </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has determined that the following directors and
nominees for director are independent directors within the meaning of the
applicable listing standards of The NASDAQ Stock Market LLC (&#147;NASDAQ&#148;) and the
Company&#146;s Board of Directors Independence Standards: David L. Francis, Richard
M. Hutson II, R. Horace Johnson, H. Joe King, Jr., James R. Morton, and James H.
Speed, Jr. The Board of Directors Independence Standards can be found on the
Company&#146;s website at </FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com/investor-rel/corp-gov/standards</FONT></U><FONT face="Times New Roman" size=2>.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Executive Sessions </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Executive sessions that include only the independent members of the Board
of Directors are held periodically. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Board of Directors and Committees
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During the year ended December 31, 2012, the Board of Directors held five
meetings. All incumbent directors and nominees attended 75% or more of the
aggregate number of meetings of the Board of Directors and committees of the
Board on which they served. The Company expects each of its directors to attend
the Annual Meeting of Shareholders unless an emergency prevents them from
attending. All of the Board members were present at the 2012 Annual
Meeting.</FONT><B><I><FONT face="Times New Roman" size=2> </FONT></I></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company&#146;s Board of Directors has a standing Audit Committee,
Compensation Committee, and Nominating Committee.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I><FONT face="Times New Roman" size=2>The
Audit Committee. </FONT></I></B><FONT face="Times New Roman" size=2>In 2012, the Audit
Committee was composed of Mr. Francis, Mr. Johnson and Mr. King. The Audit
Committee met eleven times in 2012. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee is directly responsible for overseeing the Company&#146;s
accounting and financial reporting processes and appointing, retaining,
compensating and overseeing the Company&#146;s independent registered public
accounting firm and reviewing the scope of the annual audit proposed by the
independent registered public accounting firm. In addition, the Committee
reviews and approves related party transactions and periodically consults with
the independent registered public accounting firm on matters relating to
internal financial controls and procedures. The Committee is responsible for
establishing and administering complaint procedures related to accounting and
auditing matters.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee operates under a written charter adopted by the Board
of Directors, a copy of which is posted on the Company&#146;s website at
</FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com/investor-rel/corp-gov/committees</FONT></U><FONT face="Times New Roman" size=2>. The Committee reviews and assesses the adequacy of the
charter on an annual basis.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>3</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The Board of
Directors has determined that each member of the Company's Audit Committee is
</FONT><FONT face="Times New Roman" size=2>&#147;independent&#148; as defined under applicable NASDAQ
listing standards and SEC rules. The Board of Directors has also determined that
all of the current Audit Committee members&#151;Mr. Francis, Mr. Johnson and Mr.
King&#151;are &#147;audit committee financial experts&#148; as defined under applicable SEC
rules. See &#147;</FONT><I><FONT face="Times New Roman" size=2>Audit Committee
Report</FONT></I><FONT face="Times New Roman" size=2>&#148; below for the formal report of the
Audit Committee for 2012.</FONT></P>
<P align=left><FONT face="Times New Roman"></FONT><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>The Compensation
Committee</EM></STRONG></FONT><FONT face="Times New Roman" size=2><STRONG>.
</STRONG></FONT><FONT face="Times New Roman" size=2>In 2012, the Compensation Committee was
composed of Mr. Hutson, Mr. Morton and Mr. Speed. The Compensation Committee met
once in 2012. The Board of Directors has determined that each member of the
Compensation Committee is &#147;independent&#148; as defined under applicable NASDAQ
listing standards.</FONT></P>
<P align=left><FONT face="Times New Roman"></FONT><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>The Compensation Committee operates under
a written charter that can be found on the Company&#146;s website at </FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com/investor-rel/corp-gov/committees</FONT></U><FONT face="Times New Roman" size=2>. The Compensation Committee reviews and assesses the adequacy
of the charter on an annual basis.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee makes all compensation decisions for the
Company&#146;s executive officers and approves recommendations regarding equity
awards for all of the Company&#146;s elected officers. The Compensation Committee may
not delegate these responsibilities. Decisions regarding non-equity compensation
of all other officers and employees are made by the Company&#146;s executive
officers. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Chief Executive Officer annually reviews the performance of each of
the other executive officers with respect to achievement of the Company&#146;s
objectives. Based on those reviews, the Chief Executive Officer makes
recommendations with respect to compensation to the Committee. The Committee
then can exercise its discretion in modifying any recommended adjustments or
awards to the other executive officers based upon its evaluation of their
performance as well as other aspects of our compensation objectives.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee&#146;s review of the Chief Executive Officer&#146;s compensation is
subject to separate procedures. The Committee evaluates the Chief Executive
Officer&#146;s performance, reviews the Committee&#146;s evaluation with him, and based on
that evaluation and review, determines the amount of salary adjustment and
incentive award. </FONT><FONT face="Times New Roman" size=2>Consistent with the requirements
of the listing standards of The NASDAQ Stock Market LLC, the Chief Executive
Officer is excused from meetings of the Committee during voting deliberations
regarding his compensation. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Committee does not currently retain or use an executive compensation
consultant for determining or recommending the amount or form of executive
officer compensation. In making compensation decisions, the Committee is guided
by the objectives of our compensation program, the Committee&#146;s own judgment and
other information that it considers relevant. Based on the cyclical nature of
the Company&#146;s business, the Committee believes that compensation of the
executive officers should not be based on fixed formulas and that the prudent
use of discretion in determining compensation is generally in the best interest
of the Company and its shareholders.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG><EM>The Nominating Committee.
</EM></STRONG></FONT><FONT face="Times New Roman" size=2>In 2012, the Nominating Committee
was composed of Mr. Hutson, Mr. Johnson and Mr. Speed. The Nominating Committee
met two times in 2012. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee operates under a written charter that can be
found on the Company&#146;s website at </FONT><U><FONT face="Times New Roman" size=2>www.invtitle.com/investor-rel/corp-gov/committees</FONT></U><FONT face="Times New Roman" size=2>. The Nominating Committee reviews and assesses the adequacy
of the charter on an annual basis.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has determined that each member of the Company&#146;s
Nominating Committee is &#147;independent&#148; as defined under applicable NASDAQ listing
standards. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee is responsible for identifying, evaluating and
recommending to the Board of Directors candidates for election to the Board of
Directors as well as appropriate members for the Audit and Compensation
Committees. A slate of nominees for director to present to the shareholders is
recommended to the </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>4</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>Board of Directors by the Nominating
Committee and determined by at least a majority vote of the members of the Board
of Directors whose terms do not expire during the year in which the election of
directors will occur.</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The Nominating
Committee considers a variety of factors before recommending a new director
nominee or the continued service of existing Board members. At a minimum, the
Nominating Committee believes that a director nominee must demonstrate character
and integrity, have an inquiring mind, possess substantial experience at a
strategy or policy setting level, demonstrate an ability to work effectively
with others, possess either high-level managerial experience in a relatively
complex organization or experience dealing with complex problems, have
sufficient time to devote to the affairs of the Company and be free from
conflicts of interest with the Company and its subsidiaries. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Other factors the Nominating Committee considers when evaluating a
potential director nominee are: </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>1.</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Whether the candidate
      would assist in achieving a diverse mix of Board members, including a
      diversity of viewpoints, backgrounds, experiences or other
      demographics;</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>2.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The extent of the
      candidate&#146;s business experience, technical expertise, and specialized
      skills or experience;</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>3.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Whether the candidate,
      by virtue of particular experience relevant to the Company's current or
      future business, will add specific value as a Board member;
  and</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>4.</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Any other factors
      related to the ability and willingness of a candidate to serve, or an
      incumbent director to continue his or her service to, the
    Company.</FONT></TD></TR></TABLE>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Nominating Committee believes that a majority of the members of the
Company&#146;s Board of Directors should be independent as defined under applicable
NASDAQ listing standards and, as a result, it also considers whether a potential
director nominee is independent under such standards. The Committee also
requires that all members of the Audit Committee be financially literate
pursuant to applicable NASDAQ listing standards and that at least one member of
the Audit Committee be an &#147;audit committee financial expert&#148; as defined under
SEC rules. Therefore, the Nominating Committee considers whether a potential
director nominee meets these criteria when evaluating his or her qualifications.
The Nominating Committee does not have a formal policy regarding diversity, but
diversity is one of the various factors the Nominating Committee may consider
when considering director candidates. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>It is the policy of the Nominating Committee to consider all director
candidates recommended by shareholders, provided that such recommendations are
made in accordance with the procedures outlined below. The Nominating Committee
evaluates such candidates in accordance with the same criteria it uses to
evaluate all other director candidates. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Any shareholder that wishes to recommend a director candidate to be
considered for the 2014 Annual Meeting of Shareholders should send his or her
recommendation to the attention of the Corporate Secretary, Investors Title
Company, P.O. Box 2687, Chapel Hill, North Carolina 27515-2687, no later than
December 13, 2013. The candidate&#146;s name, age, business address, residential
address, principal occupation, qualifications and the number of shares of Common
Stock beneficially owned by the candidate must be provided with the
recommendation. The shareholder must also provide a signed consent of the
candidate to serve, if elected, as a director of the Company, and shall include
all other information that would be required under the rules of the SEC in the
proxy statement soliciting proxies for election of the director
candidate.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company&#146;s Bylaws provide that nominations for election to the Board
of Directors may be made at any annual meeting by any shareholder of record
entitled to vote on such election. Such nominations must be submitted in writing
to our Corporate Secretary at our principal office not later than the close of
business on the 90th day nor earlier than the close of business on the 120th day
prior to the first anniversary of the preceding year&#146;s annual meeting, and in
accordance with the procedures specified in our Bylaws. The Company or the
presiding officer at </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>5</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>the annual meeting of shareholders may
refuse to accept the nomination of any person that is not submitted in
compliance with such procedures.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Board Leadership Structure
</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>J. Allen Fine
serves as both the Chairman of the Board of Directors and the CEO of Investors
Title Company, and Richard M. Hutson II serves as the Lead Independent Director.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors does not have a general policy regarding the
separation of the roles of Chairman and CEO. Our bylaws permit these positions
to be held by the same person, and the Board of Directors believes that it is in
the best interests of the Company to retain flexibility in determining whether
to separate or combine the roles of Chairman and CEO based on our circumstances.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board has determined that it is appropriate for Mr. Fine to serve as
both Chairman and CEO (1) in recognition of his status as the founder of the
Company and (2) because it provides an efficient structure that permits us to
present a unified vision to our constituencies.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors has elected Mr. Hutson to serve as its Lead
Independent Director. The duties of the Lead Independent Director include
presiding at the executive sessions of the independent directors, serving as
liaison between the chairman and the independent directors, approving
information, meeting agendas and schedules for the board of directors, and
calling meetings of the independent directors.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>The Board&#146;s Role in Risk Oversight
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Management is responsible for managing the risks that Investors Title
Company faces. The Board of Directors is responsible for overseeing management&#146;s
approach to risk management. Management identifies material risks facing
Investors Title Company on an ongoing basis and discusses those risks and the
management of those risks with the Board of Directors or its committees, as
appropriate. While the Board of Directors has ultimate responsibility for
overseeing management&#146;s approach to risk management, various committees of the
Board assist it in fulfilling that responsibility. In particular, the Audit
Committee assists the board in its oversight of risk management in the areas of
financial reporting, internal controls and compliance with regulatory
requirements.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>COMPENSATION OF DIRECTORS
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Directors who are not employees of the Company receive an annual retainer
for Board services of $3,000 and an attendance fee of $2,500 for each meeting of
the Board of Directors attended, in addition to actual travel expenses related
to the meetings. Directors receive a $500 fee for participating in a committee
meeting provided that the committee meeting is held on a day other than the
regularly scheduled board meeting date. The Audit Committee Chairperson receives
an additional annual retainer of $500. Directors who are employees of the
Company are paid no fees or other remuneration for service on the Board or on
any Board committee.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>On May 16, 2012, the date of the Company&#146;s 2012 Annual Meeting of
Shareholders, each non-employee director was granted 500 stock appreciation
rights (&#147;SARs&#148;) under the Company&#146;s 2009 Stock Appreciation Rights Plan with an
exercise price of $50.50. Upon exercise of each SAR, a director is entitled to
receive an amount (payable in shares of the Company&#146;s common stock) equal to the
difference between the closing price of the Company&#146;s common stock on the
business day immediately preceding the date of exercise and the exercise price.
The number of shares paid on exercise is determined by dividing this amount by
the closing price of the Company&#146;s common stock on the business day immediately
preceding the date of exercise. These SARs vest and become exercisable in four
quarterly installments beginning June 30, 2012 and will expire on May 16,
2019.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Board of Directors makes all decisions regarding the compensation of
the members of the Board of Directors. The Chief Executive Officer makes
periodic recommendations regarding director compensation, and the Board of
Directors may exercise its discretion in modifying any recommended compensation
adjustments or awards to the directors. The Board of Directors does not use a
compensation consultant for determining or recommending </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>6</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>the amount or form of director
compensation. The following table shows the compensation earned by each
non-employee director for 2012: </FONT></P>
<P align=center><B><FONT face="Times New Roman">2012 Director
Compensation</FONT></B><B><FONT face="Times New Roman"> </FONT></B></P>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="50%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="67%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Fees</FONT></B></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="67%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Earned</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="67%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>or Paid</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Stock</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Option</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="67%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>In Cash</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Awards</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Awards</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="67%"><B><FONT face="Times New Roman" size=2>Name
      </FONT></B><B><FONT face="Times New Roman" size=2><SUP>(1)</SUP></FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>($)<SUP>(2)</SUP></FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>($)<SUP>(3)</SUP></FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>David L. Francis</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>18,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>27,507</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>Richard M. Hutson II</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>16,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>25,007</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>R. Horace Johnson</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>18,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>27,507</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>H. Joe King, Jr.</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>19,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>28,007</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>James R. Morton</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>16,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>25,007</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="67%"><FONT face="Times New Roman" size=2>James H. Speed, Jr</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>16,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>9,007</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>25,007</FONT></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>J. Allen Fine, Chief
      Executive Officer and Chairman of the Board, James A. Fine, Jr.,
      President, Chief Financial Officer and Treasurer, and W. Morris Fine,
      Executive Vice President and Secretary, are not included in this table as
      they are employees of the Company and do not receive additional
      compensation for their services as directors. The compensation received by
      Messrs. Fine, Fine, Jr. and Fine as employees of the Company is shown in
      the Summary Compensation Table on page 18.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The Company did not
      grant any stock awards in 2012. There were no stock awards outstanding at
      December 31, 2012 held by the directors.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The amounts shown in
      this column indicate the grant date fair value of SARs computed in
      accordance with FASB ASC Topic 718. For additional information regarding
      the assumptions made in calculating these amounts, see Note 7 to the
      consolidated financial statements included in the Company&#146;s Annual Report
      on Form 10-K for the year ended December 31, 2012. The aggregate number of
      SARs outstanding at December 31, 2012 held by directors was as
      follows:</FONT></TD></TR></TABLE><BR>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="30%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Outstanding</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>SARs
    at</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Fiscal
      Year</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="89%"><B><FONT face="Times New Roman" size=2>Name</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>End</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>David L. Francis</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>3,375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Richard M. Hutson II</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>2,375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>R. Horace Johnson</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>3,375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>H. Joe King, Jr.</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>3,375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>James R. Morton</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>3,375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>James H. Speed, Jr.</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>1,375</FONT></TD></TR></TABLE></DIV><BR>
<P align=center><FONT face="Times New Roman" SIZE=2>7</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="PADDING-LEFT: 15pt" align=left><FONT face="Times New Roman" size=2>The Company did
not grant any options in 2012. The aggregate number of option awards outstanding
at December 31, 2012 held by directors was as follows: </FONT></P>
<DIV align=center>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="30%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Outstanding</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Option</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Awards
    at</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="89%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>Fiscal
      Year</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP ALIGN="LEFT" WIDTH="89%" STYLE="border-left: #000000 1pt solid; border-bottom: #000000 1pt solid; text-align: center"><B><FONT face="Times New Roman" size=2>Name</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>End</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>David L. Francis</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Richard M. Hutson II</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>0</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>R. Horace Johnson</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>H. Joe King, Jr.</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>1,500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>James R. Morton</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>James H. Speed, Jr.</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="10%"><FONT face="Times New Roman" size=2>0</FONT></TD></TR></TABLE></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>STOCK OWNERSHIP OF CERTAIN BENEFICIAL
OWNERS AND MANAGEMENT </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The following
table indicates the persons known to the Company to be the beneficial owners of
more than five percent (5%) of the Company&#146;s outstanding Common Stock as of
April 2, 2013. Unless otherwise indicated, all persons named as beneficial
owners of Common Stock have sole voting power and sole investment power with
respect to shares indicated. </FONT></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" colSpan=2><B><FONT face="Times New Roman" size=2>Name and
      Address of</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="10%" colSpan=4><B><FONT face="Times New Roman" size=2>Amount
      and Nature</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD NOWRAP WIDTH="5%" COLSPAN="2" STYLE="text-align: right"><B><FONT face="Times New Roman" size=2>Percent</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="4%"><B><FONT face="Times New Roman" size=2>Beneficial Owner</FONT></B></TD>
    <TD noWrap align=left width="78%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%" colSpan=4><B><FONT face="Times New Roman" size=2>of
      Beneficial Ownership</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP WIDTH="5%" COLSPAN="2" STYLE="border-bottom: #000000 1pt solid; text-align: right"><B><FONT face="Times New Roman" size=2>of Class
      (1)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>Markel Corporation</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>228,650</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(2)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.2</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4521 Highwoods Parkway,
      Glen Allen, Virginia 23060</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="82%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>221,475</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(3)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 121 N. Columbia Street,
      Chapel Hill, North Carolina 27514</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="82%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>James A. Fine, Jr.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>204,295</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(4)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.9</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 121 N. Columbia Street,
      Chapel Hill, North Carolina 27514</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="82%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>204,064</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(5)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.9</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 121 N. Columbia Street,
      Chapel Hill, North Carolina 27514</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="82%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>Dimensional Fund Advisors LP</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>151,098</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(6)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.4</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Palisades West, Building
      One, 6300 Bee Cave Road,</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Austin, Texas
      78746</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="82%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>Fairville Funding Investment Trust</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>117,056</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(7)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4 Hillman Drive, Suite
      104, Chadds Ford, PA 19317</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The percentages are
      calculated based on 2,044,096 shares outstanding as of April 2, 2013 which
      excludes 291,676 shares held by a wholly-owned subsidiary of the Company.
      The shares held by the subsidiary are not entitled to vote at the Annual
      Shareholders&#146; Meeting.</FONT></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>8</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The information
      included in the above table is based solely on Amendment No. 7 to Schedule
      13G filed with the SEC on January 30, 2013. Of these shares, Markel
      Corporation has sole voting and investment power with respect to 213,300
      shares and shared investment power with respect to 15,350
  shares.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 151,099
      shares held by a limited liability company of which Mr. Fine is the
      manager and possesses sole voting and investment power with respect to
      such shares. Additionally, this includes 25,000 stock appreciation rights
      that are presently exercisable or are exercisable within 60 days of April
      2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 95,000
      shares held by a limited partnership of which Mr. Fine is a general
      partner and shares joint voting and investment power over such shares with
      W. Morris Fine, and such shares are also reflected in W. Morris Fine&#146;s
      beneficially owned shares. Additionally, this includes 515 shares held by
      Mr. Fine&#146;s wife, 2,329 shares held by other family members, and 25,000
      stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 95,000
      shares held by a limited partnership of which Mr. Fine is a general
      partner and shares joint voting and investment power over such shares with
      James A. Fine, Jr., and such shares are also reflected in James A. Fine,
      Jr.&#146;s beneficially owned shares. Additionally, this includes 470 shares
      held by Mr. Fine&#146;s wife, 3,582 shares held by other family members, and
      25,000 stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(6)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The information
      included in the above table is based solely on Schedule 13G/A filed by
      Dimensional Fund Advisors LP with the SEC on February 11, 2013. The
      Schedule 13G/A states as follows: &#147;Dimensional Fund Advisors LP, an
      investment adviser registered under Section 203 of the Investment Advisors
      Act of 1940, furnishes investment advice to four investment companies
      registered under the Investment Company Act of 1940, and serves as
      investment manager to certain other commingled group trusts and separate
      accounts (such investment companies, trusts and accounts, collectively
      referred to as the &#147;Funds&#148;). In certain cases, subsidiaries of Dimensional
      Fund Advisors LP may act as an adviser or sub-adviser to certain Funds. In
      its role as investment advisor, sub-adviser and/or manager, neither
      Dimensional Fund Advisors LP or its subsidiaries (collectively,
      &#147;Dimensional&#148;) possess voting and/or investment power over the securities
      of the Issuer that are owned by the Funds, and may be deemed to be the
      beneficial owner of the shares of the Issuer held by the Funds. However,
      all securities reported in this schedule are owned by the Funds.
      Dimensional disclaims beneficial ownership of such securities. In
      addition, the filing of this Schedule 13G shall not be construed as an
      admission that the reporting person or any of its affiliates is the
      beneficial owner of any securities covered by this Schedule 13G for any
      other purposes than Section 13(d) of the Securities Exchange Act of
      1934.&#148;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(7)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The information
      included in the above table is based solely on Amendment No. 1 to Schedule
      13G filed with the SEC on February 14, 2013. Fairville Funding Investment
      Trust has sole voting and investment power over these
  shares.</FONT></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>9 </FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The table below
sets forth the shares of the Company&#146;s Common Stock beneficially owned as of
April 2, 2013 by each director and nominee for director, the executive officers
named in the Summary Compensation Table, and all directors and executive
officers as a group. Unless otherwise indicated, all persons named as beneficial
owners of Common Stock have sole voting power and sole investment power with
respect to shares indicated. </FONT></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><B><FONT face="Times New Roman" size=2>Name of</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" colSpan=4><B><FONT face="Times New Roman" size=2>Amount and Nature</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: right" noWrap align=right width="3%"><B><FONT face="Times New Roman" size=2>Percent</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="5%"><B><FONT face="Times New Roman" size=2>Beneficial
      Owner</FONT></B></TD>
    <TD noWrap align=left width="79%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=4><B><FONT face="Times New Roman" size=2>of Beneficial
      Ownership</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><B><FONT face="Times New Roman" size=2>of Class
    (1)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>221,475</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(2)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10.7%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>James A. Fine, Jr.</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>204,295</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;(3)</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9.9%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>204,064</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(4)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.9%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>H. Joe King, Jr.</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,350</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;(5)</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.1%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>James R. Morton</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13,043</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(6)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2>*</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>R. Horace Johnson</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,900</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;(7)</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT size=2>*</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>Richard M. Hutson II</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,635</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(8)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2>*</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>David L. Francis</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,500</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;(9)</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT size=2>*</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>James H. Speed, Jr.</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,500</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;(10)</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2>*</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>All Directors, Nominees for Director, and</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>Executive Officers as a Group</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" colSpan=2><FONT face="Times New Roman" size=2>(9 persons)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>588,762</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;(11)</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>27.5%</FONT></TD></TR></TABLE></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>*Represents less than 1% </FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The percentages are
      calculated based on 2,044,096 shares outstanding as of April 2, 2013,
      which excludes 291,676 outstanding shares held by a subsidiary of the
      Company. The shares held by the subsidiary are not entitled to vote at the
      Annual Shareholders&#146; Meeting.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 151,099
      shares held by a limited liability company of which Mr. Fine is the
      manager and possesses sole voting and investment power with respect to
      such shares. Additionally, this includes 25,000 stock appreciation rights
      that are presently exercisable or are exercisable within 60 days of April
      2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 95,000
      shares held by a limited partnership of which Mr. Fine is a general
      partner and shares joint voting and investment power over such shares with
      W. Morris Fine, and such shares are also reflected in W. Morris Fine&#146;s
      beneficially owned shares. Additionally, this includes 515 shares held by
      Mr. Fine&#146;s wife, 2,329 shares held by other family members, and 25,000
      stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(4)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This includes 95,000
      shares held by a limited partnership of which Mr. Fine is a general
      partner and shares joint voting and investment power over such shares with
      James A. Fine, Jr., and such shares are also reflected in James A. Fine,
      Jr.&#146;s beneficially owned shares. Additionally, this includes 470 shares
      held by Mr. Fine&#146;s wife, 3,582 shares held by other family members, and
      25,000 stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(5)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      5,000 shares of Common Stock that Mr. King has the right to purchase under
      stock options and stock appreciation rights that are presently exercisable
      or are exercisable within 60 days of April 2, 2013 as well as 1,000 shares
      held by his wife.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(6)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      500 shares of Common Stock that Mr. Morton has the right to purchase under
      stock appreciation rights that are presently exercisable or are
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(7)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      4,000 shares of Common Stock that Mr. Johnson has the right to purchase
      under stock options and stock appreciation rights that are presently
      exercisable or are exercisable within 60 days of April 2,
  2013.</FONT></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>10</FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(8)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      2,500 shares of Common Stock that Mr. Hutson has the right to purchase
      under stock appreciation rights that are presently exercisable or
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(9)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      5,000 shares of Common Stock that Mr. Francis has the right to purchase
      under stock options and stock appreciation rights that are presently
      exercisable or are exercisable within 60 days of April 2, 2013. This
      amount does not include 44,166 shares that were transferred by Mr. Francis
      to a family limited partnership in 2007. The sole general partner of the
      family limited partnership is a limited liability company controlled by
      Mr. Francis&#146; adult daughter.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(10)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>This total includes
      1,500 shares of Common Stock that Mr. Speed has the right to purchase
      under stock appreciation rights that are presently exercisable or
      exercisable within 60 days of April 2, 2013.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(11)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>For purposes of
      calculating this total, the 95,000 shares of Common Stock owned jointly by
      James A. Fine, Jr. and W. Morris Fine are only counted once. This total
      includes 93,500 shares of Common Stock that all directors, nominees for
      director and executive officers as a group have the right to purchase
      under stock options and stock appreciation rights that are presently
      exercisable or are exercisable within 60 days of April 2,
  2013.</FONT></TD></TR></TABLE>
<P align=center><B><FONT face="Times New Roman" size=2>PROPOSALS REQUIRING YOUR VOTE
</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>Proposal 1 - Election of Directors
</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The Company&#146;s
Board of Directors is composed of 9 members divided into three classes with
staggered terms of three years for each class. Based on the recommendations of
the Nominating Committee, the Board of Directors has nominated J. Allen Fine,
David L. Francis and James H. Speed, Jr. for election to serve for a three-year
period or until their respective successors have been elected and
qualified.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The nominees will be elected if they receive a plurality of the votes
cast for their election. Broker non-votes and abstentions will be counted for
purposes of establishing a quorum, but will not be counted in the election of
directors and therefore will not affect the election results if a quorum is
present. It is the intention of the persons named as proxies in the accompanying
proxy card to vote all shares represented by proxy for the three nominees listed
below, unless the authority to vote is withheld. If any of the nominees should
withdraw or otherwise become unavailable for reasons not presently known, the
shares represented by proxy will be voted for three nominees including such
substitutions as shall be designated by the Board of Directors. The shares
represented by proxy in no event will be voted for more than three persons.
</FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT face="Times New Roman" size=2>The Board unanimously recommends that
you vote &#147;FOR&#148; the election of the directors nominated to serve until the Annual
Meeting of Shareholders in 2016. </FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2></FONT></B>&nbsp;&nbsp;&nbsp;&nbsp;
<FONT face="Times New Roman" size=2>The following provides information about each director
nominee and continuing director, including information about each nominee&#146;s and
director&#146;s business background and other experience, qualifications, attributes
or skills that lead to the conclusion that the nominee or director should serve
on the board of directors. </FONT></P>
<P align=left><B><I><FONT face="Times New Roman" size=2>Information Regarding Nominees for
Election as Directors </FONT></I></B></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><B><FONT face="Times New Roman" size=2>Served
    as</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><B><FONT face="Times New Roman" size=2>Term</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><B><FONT face="Times New Roman" size=2>Director</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><B><FONT face="Times New Roman" size=2>to</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT size=+0><B><FONT face="Times New Roman" size=2>Name</FONT></B></FONT></TD>
    <TD noWrap align=left width="85%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT size=+0><B><FONT face="Times New Roman" size=2>Age</FONT></B></FONT></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT size=+0><B><FONT face="Times New Roman" size=2>Since</FONT></B></FONT></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT size=+0><B><FONT face="Times New Roman" size=2>Expire</FONT></B></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>78</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1973</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2016</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2><FONT face="Times New Roman" size=2>David L.
      Francis</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>80</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>1982</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>2016</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>James H. Speed, Jr.</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>59</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2010</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2016</FONT></TD></TR></TABLE></DIV><BR>
<P align=center><FONT face="Times New Roman" size=2>11 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><B>J. Allen
Fine</B> was the principal organizer of Investors
Title Insurance Company and has been Chairman of the Board of the Company,
Investors Title Insurance Company, and National Investors Title Insurance
Company since their incorporation. Mr. Fine served as President of Investors
Title Insurance Company until February 1997, when he was named Chief Executive
Officer. Additionally, Mr. Fine serves as Chief Executive Officer of the Company
and National Investors Title Insurance Company, and Chairman of the Board of
Investors Title Exchange Corporation, Investors Capital Management Company and
Investors Trust Company. Investors Title Insurance Company, National Investors
Title Insurance Company, Investors Title Exchange Corporation, Investors Capital
Management Company and Investors Trust Company are all wholly owned subsidiaries
of the Company. Mr. Fine is the father of James A. Fine, Jr., President, Chief
Financial Officer and Treasurer of the Company, and W. Morris Fine, Executive
Vice President and Secretary of the Company. During the past five years, Mr.
Fine has served on the boards of directors of Investors Title Company, Investors
Title Insurance Company, National Investors Title Insurance Company, Investors
Title Exchange Corporation, Investors Title Accommodation Corporation, Investors
Capital Management Company, and Investors Trust Company. Mr. Fine is the founder
of the Company and has extensive title insurance industry, operations and
marketing experience as well as a strong executive background in real estate,
strategic planning and business administration.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>David L. Francis</STRONG></FONT><FONT face="Times New Roman" size=2> retired
in 1997 as the President of Marsh Mortgage Company, a mortgage banking firm, and
Marsh Associates, Inc., a property management company, where he had been
employed since 1963. During the past five years, Mr. Francis has served on the
boards of directors of Investors Title Company and First Landmark, a Charlotte
real estate and property management firm, and on the Board of Trustees of High
Point University. Mr. Francis has extensive experience in mortgage lending, real
estate and property management. </FONT><B><FONT face="Times New Roman" size=2></FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><STRONG>James H.
Speed, Jr. </STRONG></FONT><FONT face="Times New Roman" size=2>is</FONT><B><FONT face="Times New Roman" size=2> </FONT></B><FONT face="Times New Roman" size=2>President and Chief Executive Officer
of North Carolina Mutual Life Insurance Company (&#147;NC Mutual&#148;), the oldest and
largest insurance company in America with roots in the African-American
community. Mr. Speed joined NC Mutual as Senior Vice President and Chief
Financial Officer in 2002 and was named President-Elect in 2003. During the past
five years, Mr. Speed has served on the Board of Directors of North Carolina
Mutual Life Insurance Company, M&amp;F Bancorp, Inc., Mechanics &amp; Farmers
Bank, the Federal Reserve Bank of Richmond &#150; Charlotte Branch, Hillman Capital
Management Investment Trust, New Providence Investment Trust, Nottingham
Investment Trust II, Starboard Investment Trust, Tilson Investment Trust, Brown
Capital Management Funds, North Carolina Central University School of Business,
UNC Healthcare Systems, Communities in Schools of North Carolina and Central
Children&#146;s Home of North Carolina. He has a strong executive background and
extensive experience in finance, public accounting and insurance.</FONT></P>
<P align=left><B><I><FONT face="Times New Roman" size=2>Information Regarding Directors
Continuing in Office </FONT></I></B></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

    <TR STYLE="vertical-align: bottom">
    <TD NOWRAP COLSPAN="2" STYLE="text-align: left">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: left">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center"><B><FONT face="Times New Roman" size=2>Served as</FONT></B></TD>
    <TD NOWRAP STYLE="text-align: center">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: center"><B><FONT face="Times New Roman" size=2>Term</FONT></B></TD></TR>
<TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><B><FONT face="Times New Roman" size=2>Director</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>to</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT size=+0><B><FONT face="Times New Roman" size=2>Name</FONT></B></FONT></TD>
    <TD noWrap align=left width="85%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%"><FONT>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT><B><FONT face="Times New Roman" size=2>Age</FONT></B></FONT></TD>
    <TD noWrap style="text-align: center" width="1%"><FONT>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT><B><FONT face="Times New Roman" size=2>Since</FONT></B></FONT></TD>
    <TD noWrap style="text-align: center" width="1%"><FONT>&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT><B><FONT face="Times New Roman" size=2>Expire</FONT></B></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1999</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2014</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2><FONT face="Times New Roman" size=2>Richard M. Hutson
      II</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>72</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>2008</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT face="Times New Roman" size=2>2014</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>R. Horace Johnson</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>68</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2005</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2014</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2><FONT face="Times New Roman" size=2>James A. Fine,
      Jr.</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>51</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>1997</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT face="Times New Roman" size=2>2015</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>H. Joe King, Jr.</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>80</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1983</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2015</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" colSpan=2><FONT face="Times New Roman" size=2>James R.
    Morton</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>75</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"><FONT face="Times New Roman" size=2>1985</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT face="Times New Roman" size=2>2015</FONT></TD></TR></TABLE></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><STRONG>W. Morris
Fine</STRONG></FONT><FONT face="Times New Roman" size=2> is Executive Vice President and
Secretary of the Company, President and Chief Operating Officer of Investors
Title Insurance Company and National Investors Title Insurance Company,
President and Chairman of the Board of Investors Title Management Services,
Inc., Vice President of Investors Title Exchange Corporation and Investors Title
Accommodation Corporation, and Chief Financial Officer and Treasurer of
Investors Trust Company and Investors Capital Management Company. Investors
Title Insurance Company, National Investors Title Insurance Company, Investors
Title Management Services, Inc., Investors Title Exchange Corporation, Investors
Title Accommodation Corporation, Investors Capital Management Company and
Investors Trust Company are all wholly owned subsidiaries of the Company. Mr.
Fine is the son of J. Allen Fine, Chief Executive Officer and Chairman of the
Board of the Company, and brother of James A. Fine, Jr., President, Chief
Financial Officer and Treasurer of the Company. During the past five years, Mr.
Fine has served on the boards of </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>12 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>directors of Investors Title Company,
Investors Title Insurance Company, National Investors Title Insurance Company,
Investors Title Exchange Corporation, Investors Title Accommodation Corporation,
Investors Title Management Services, Investors Trust Company and Investors
Capital Management Company. Mr. Fine has extensive title insurance industry,
operations and marketing experience in addition to a background in public
accounting and executive level management and strategic planning experience.
</FONT><B><FONT face="Times New Roman" size=2></FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><B>Richard M.
Hutson II </B>is a practicing attorney and, since
2006, has been the principal of Hutson Law Office, P.A., the successor firm to
Hutson, Hughes and Powell. P.A. in Durham, North Carolina. Mr. Hutson has been
engaged in the practice of law since 1965 and served as a principal of Hutson,
Hughes and Powell P.A. from 1993 to 2006. Additionally, he has served in
leadership roles of local and national professional and civic organizations. Mr.
Hutson is a past Chairman of the Durham Chamber of Commerce, and during the past
five years, has served on the Board of Directors of Investors Title Company
(since 2008) and on the Board of Directors of LC Industries, a non-profit
organization and the largest employer of visually handicapped persons in the
United States, where he is presently Chairman of the Board. Mr. Hutson has
assisted the Company in various matters beginning with its formation in 1972 and
has extensive experience in corporate and business law as well as corporate
restructuring and governance matters.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>R. Horace Johnson</STRONG></FONT><FONT face="Times New Roman" size=2> retired
in 2004 as managing partner of the Raleigh, North Carolina office of Ernst and
Young, a public accounting firm, where he had been employed since 1967. During
this period, Mr. Johnson served in many firm leadership roles including serving
as the managing partner for the North Carolina practice for three years, as a
member of the operating committee of the Carolinas practice for five years, and
as managing partner of the Raleigh office for 17 years until his retirement.
During the past five years, Mr. Johnson has served on the Boards of Directors of
Investors Title Company, TrustAtlantic Financial Corporation, a corporation
formed to serve as a bank holding company, and on the Board of Directors of
Wilmington Pharmaceuticals, LLC, a pharmaceutical development company. He also
serves on the Board of the following non-profit corporations: The Council for
Entrepreneurial Development, Coral Bay Club and Sphinx Club. Mr. Johnson also
serves as a Member/Manager of Lucky 6, LLC, a private equity investment company.
</FONT><FONT face="Times New Roman" size=2>Mr. Johnson has extensive experience in public
accounting, management and strategic planning.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>James A. Fine, Jr.</STRONG></FONT><FONT face="Times New Roman" size=2> is
President, Chief Financial Officer and Treasurer of the Company, Executive Vice
President, Chief Financial Officer and Treasurer of Investors Title Insurance
Company, Executive Vice President and Chief Financial Officer of National
Investors Title Insurance Company, Executive Vice President of Investors Title
Management Services, Inc., President of Investors Title Exchange Corporation and
Investors Title Accommodation Corporation, and Chief Executive Officer of
Investors Trust Company and Investors Capital Management Company. Investors
Title Insurance Company, National Investors Title Insurance Company, Investors
Title Management Services, Inc., Investors Title Exchange Corporation, Investors
Title Accommodation Corporation, Investors Capital Management Company and
Investors Trust Company are all wholly owned subsidiaries of the Company. Mr.
Fine is the son of J. Allen Fine, Chief Executive Officer and Chairman of the
Board of the Company, and brother of W. Morris Fine, Executive Vice President
and Secretary of the Company. During the past five years, Mr. Fine has served on
the board of directors of Investors Title Company, Investors Title Insurance
Company, National Investors Title Insurance Company, Investors Title Exchange
Corporation, Investors Title Accommodation Corporation (Chairman), Investors
Title Management Services, Investors Trust Company and Investors Capital
Management Company. Mr. Fine has extensive title insurance industry, operations
and marketing experience in addition to a background in investment strategy and
executive level management and strategic planning experience.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>H. Joe King, Jr.</STRONG></FONT><FONT face="Times New Roman" size=2> retired
as President and Chairman of the Board of Home Federal Savings &amp; Loan
Association in Charlotte, North Carolina and its parent company, HFNC Financial
Corporation, in 1998, where he had been employed since 1962. During the past
five years, Mr. King has served on the board of directors of Investors Title
Company and on the board of trustees of Wingate University. Mr. King has
extensive experience in banking, finance and mortgage lending.</FONT></P>


<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>
<STRONG>James R. Morton</STRONG> was
President of J. R. Morton Associates from 1968 until he retired in 1988. He is
currently President of TransCarolina Corporation, a real estate investment
company. He has been employed by </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>13 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>TransCarolina since 1995. During the past
five years, Mr. Morton has served on the board of directors of Investors Title
Company and TransCarolina Corporation. Mr. Morton has extensive experience in
strategic planning, business administration and investments.</FONT></P>

<P align=left><B><FONT face="Times New Roman" size=2>Proposal 2 &#150; Advisory Vote to Approve
Executive Compensation </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>This Proposal 2
enables the Company&#146;s shareholders to cast a non-binding, advisory vote to
approve the compensation of the named executive officers as disclosed in this
Proxy Statement in accordance with the rules of the SEC. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee believes that the ultimate objective of an
effective executive compensation program is to reward the accretion of
stockholder value over the long-term. The Compensation Committee seeks to align
the interests of our executives with those of our shareholders; retain
executives with the skills, experience and vision to lead the Company; promote
fairness, executive performance and long-term commitment to the Company; and
maintain a compensation program that is affordable and administratively
efficient. Please read the &#147;Executive Compensation&#148; section beginning on page 18
and &#147;Corporate Governance&#151;Board of Directors and Committees&#151;Compensation
Committee&#148; section beginning on page 3 for additional details about our
compensation program and the compensation of our executive officers, including
the compensation of our named executive officers for 2012.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>We are asking our shareholders to indicate their support for our
executive compensation program as described in this Proxy Statement. This
Proposal 2 gives our shareholders the opportunity to express their views on the
compensation of our named executive officers. This vote is not intended to
address any specific term of compensation, but rather the overall compensation
of our named executive officers as disclosed in this Proxy Statement.
Accordingly, we are asking our shareholders to vote &#147;FOR&#148; the following
resolution at the annual meeting: </FONT></P>
<P style="PADDING-RIGHT: 15pt; PADDING-LEFT: 15pt" align=left><FONT face="Times New Roman" size=2>&#147;</FONT><B><FONT face="Times New Roman" size=2>RESOLVED</FONT></B><FONT face="Times New Roman" size=2>, that the compensation paid to the Company&#146;s named executive officers,
as disclosed in the Proxy Statement for the 2013 Annual Meeting of Shareholders
pursuant to the SEC&#146;s compensation disclosure rules, including the executive
compensation tables, narrative discussion and any related materials, is hereby
</FONT><B><FONT face="Times New Roman" size=2>APPROVED</FONT></B><FONT face="Times New Roman" size=2>.&#148;</FONT></P>

<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Although the vote on this Proposal 2 regarding the compensation of our
named executive officers is not binding, we value the opinions of our
shareholders and will consider the result of the vote when determining future
executive compensation arrangements. </FONT></P>


<P align=left><FONT face="Times New Roman" size=2><STRONG>Vote Required </STRONG></FONT></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The affirmative
vote of a majority of the votes cast on the proposal is required to approve, on
an advisory basis, the resolution approving the compensation paid to our named
executive officers. Abstentions and broker non-votes will not be counted as
votes cast on the proposal. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>The Board of Directors unanimously recommends that you vote &#147;FOR&#148;
the advisory resolution approving the compensation paid to our named executive
officers. </STRONG></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>14 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Proposal 3 &#150; Advisory Vote on Frequency
of Advisory Vote to Approve Executive Compensation </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>As described in
Proposal 2 above, we are providing our shareholders with the opportunity to cast
a non-binding, advisory vote to approve the compensation paid to our named
executive officers. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>This Proposal 3 provides shareholders with an opportunity to cast a
non-binding, advisory vote on the frequency with which we should conduct the
advisory vote to approve the compensation of our named executive officers. Under
this Proposal 3, shareholders may vote in favor of holding this advisory vote
every year, every two years or every three years beginning with the 2013 Annual
Meeting of Shareholders.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>After consideration, our Board of Directors believes that the advisory
vote by our shareholders to approve executive compensation should be held every
three years. Our Board of Directors believes that giving our stockholders the
right to cast an advisory vote to approve the compensation of our named
executive officers every three years is the best approach for the Company and
its shareholders. We make this recommendation based on several considerations,
including the fact that holding the advisory vote every three years will give
our Board of Directors and Compensation Committee sufficient time to
thoughtfully consider the results of the advisory votes and to implement any
desired changes to our executive compensation program. A three-year voting cycle
will also provide our shareholders with sufficient time to evaluate the
effectiveness of our executive compensation practices and the related business
outcomes for the Company before being asked to cast the next advisory vote.
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Although non-binding, our Board of Directors and the Compensation
Committee will carefully review the voting results. Notwithstanding our Board of
Directors&#146; recommendation and the outcome of the shareholder vote, the Board of
Directors may decide that it is in the best interests of our shareholders and
the Company to hold an advisory vote on executive compensation more or less
frequently than the option approved by our shareholders. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Vote Required</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2></FONT></B><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>Approval, on an advisory
basis, of the frequency for holding future advisory votes to approve the
compensation of our named executive officers will require the affirmative vote
of a majority of the votes cast on the proposal. Abstentions and broker
non-votes will not be counted as being cast on the proposal.</FONT><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>The Board of Directors unanimously recommends that you vote
&#147;EVERY THREE YEARS&#148; for the advisory proposal on the frequency of future
advisory votes to approve executive compensation. </STRONG></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>15 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Proposal 4 &#150; Ratification of
Appointment of Independent Registered Public Accounting Firm </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The Audit
Committee selected Dixon Hughes Goodman LLP as our independent registered public
accounting firm for the fiscal year ended December 31, 2013. Dixon Hughes
Goodman LLP served as our independent registered public accounting firm for the
fiscal year ended December 31, 2012, and its representatives are expected to
attend the 2013 Annual Meeting of Shareholders and to be available to respond to
appropriate questions. They will have the opportunity to make a statement if
they wish to do so.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>We are presenting this selection to our shareholders for ratification at
the annual meeting. If the shareholders fail to ratify the selection, the Audit
Committee will reconsider its selection of Dixon Hughes Goodman LLP. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Vote Required</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Approval of the ratification of the appointment of the independent
registered public accounting firm will require the affirmative vote of a
majority of the votes cast on the proposal. Abstentions and broker non-votes
will not be counted as votes cast for the purpose of ratifying the selection of
Dixon Hughes Goodman LLP.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG>The Board unanimously recommends that you vote &#147;FOR&#148; the proposal
to ratify the appointment of Dixon Hughes Goodman LLP as the Company&#146;s
independent registered public accounting firm for 2013. </STRONG></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Audit and Non-Audit Fees
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Aggregate fees for professional services rendered by our independent
registered public accounting firm, Dixon Hughes Goodman LLP, for the years ended
December 31, 2012 and 2011 are set forth below.</FONT></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="90%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2012</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Audit Fees
    (1)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>275,000</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>239,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>Audit-Related Fees (2)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Tax Fees
(3)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>48,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>All Other Fees</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="padding-bottom: 2pt" noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total Fees</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>328,100</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>287,500</FONT></TD></TR></TABLE></DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>In 2012, audit fees
      consisted of the audit of the financial statements, reviews of the
      quarterly financial statements, services rendered in connection with
      statutory and regulatory filings and services related to internal control
      over financial reporting. In 2011, audit fees consisted of the audit of
      the financial statements, reviews of the quarterly financial statements
      and services rendered in connection with statutory and regulatory
      filings.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Audit-related fees
      consisted of fees related to compliance with regulatory and statutory
      filings.</FONT></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Tax fees consisted
      primarily of tax compliance services.</FONT></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Audit and Non-Audit Services
Pre-Approval Policy </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The Audit
Committee has adopted an Audit and Non-Audit Services Pre-Approval Policy for
pre-approving all audit and permissible non-audit services provided by the
independent registered public accounting firm. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each year, the Audit Committee pre-approves independent registered public
accounting firm services and associated fee ranges within the categories of
Audit Services, Audit-Related Services, Tax Services and Other Services.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>16 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>Throughout the
year, circumstances may arise that require the engagement of the independent
registered public accounting firm for additional services that were not
contemplated by the existing pre-approval categories. In that case, the Audit
and Non-Audit Services Pre-Approval Policy requires specific approval by the
Audit Committee of such services before engaging the independent registered
public accounting firm. To ensure the prompt handling of such matters, the Audit
Committee has granted pre-approval authority to its Chair. The Chair reports any
pre-approval decisions made at the next Audit Committee meeting. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>During 2012 and 2011, none of the services provided to the Company by the
independent registered public accounting firm under the categories Audit-Related
Services, Tax Services and Other Services described above were approved by the
Audit Committee after such services were rendered pursuant to the de minimis
exception established under SEC regulations.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>AUDIT COMMITTEE REPORT
</FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2>The Audit Committee is directly
responsible for overseeing the accounting and financial reporting processes of
the Company and appointing, retaining, compensating and overseeing the work of
the independent registered public accounting firm. Management is responsible for
the financial reporting process, including the system of internal controls, and
for the preparation of consolidated financial statements in accordance with
generally accepted accounting principles. The independent registered public
accounting firm is responsible for auditing those financial statements and
expressing an opinion as to their conformity with accounting principles
generally accepted in the United States of America. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The independent registered public accounting firm provided the Audit
Committee with the written disclosures and the letter required by applicable
requirements of the Public Company Accounting Oversight Board regarding the
independent registered public accounting firm&#146;s communications with the Audit
Committee concerning independence. The Audit Committee discussed with the
independent registered public accounting firm any relationships that may have an
impact on its objectivity and independence. Finally, the Audit Committee
considered whether the independent registered public accounting firms&#146;
performance of services, other than audit services, is compatible with
maintaining the independence of the independent registered public accounting
firm. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Audit Committee discussed and reviewed with management and the
independent registered public accounting firm the audited financial statements
as of and for the year ended December 31, 2012. The Audit Committee discussed
with the independent registered public accounting firm those matters required to
be discussed by Statement on Auditing Standards No. 61, as amended
(AICPA</FONT><I><FONT face="Times New Roman" size=2>, Professional Standards</FONT></I><FONT face="Times New Roman" size=2>, Vol. 1. AU Section 380), as adopted by the Public Company
Accounting Oversight Board in Rule 3200T. The Audit Committee reviewed with the
independent registered public accounting firm its audit plans, audit scope and
identification of audit risks. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Based on the reviews and discussion referenced above, the Audit Committee
recommended to the Board of Directors that the audited financial statements of
the Company be included in its Annual Report on Form 10-K for the year ended
December 31, 2012, for filing with the Securities and Exchange
Commission.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Submitted by the Audit Committee of the Board of Directors:<BR><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>H. Joe King, Jr., Chairman<BR><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>David L. Francis<BR><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT>R. Horace Johnson </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>17 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>EXECUTIVE COMPENSATION
</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>Summary Compensation Table
</FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The table below
summarizes the total compensation for each of the named executive officers for
each of the fiscal years ended December 31, 2012 and December 31, 2011.
</FONT></P>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>All
    Other</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Salary</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Bonus</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Compensation</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="85%"><B><FONT face="Times New Roman" size=2>Name and Principal
      Position</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Year</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>($)(1)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>($)(2)</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>318,167</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>250,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>24,138</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>592,305</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Chief Executive Officer and Chairman</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2011</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>308,060</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>100,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>22,907</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>430,967</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>of the Board</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>James A. Fine, Jr.</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>268,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>325,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>29,821</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>623,321</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>President, Chief Financial Officer and</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2011</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>260,093</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>180,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>30,862</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>470,955</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Treasurer</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>268,500</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>325,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>29,410</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>622,910</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Executive Vice President &amp;
      Secretary</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>2011</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>260,093</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>180,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>28,370</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>468,463</FONT></TD></TR></TABLE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      </FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Reflects cash bonuses earned in
      the applicable year.</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Amounts set forth as &#147;All Other
      Compensation&#148; for 2012 consist of the
following:</FONT></TD></TR></TABLE><BR>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="90%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="65%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"><B><FONT face="Times New Roman" size=2>Personal</FONT></B></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD noWrap style="text-align: center" width="65%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Supplemental</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Life and</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Use
of</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD noWrap style="text-align: center" width="65%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>401(k)</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2></FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Retirement</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Health</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Company</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD noWrap style="text-align: center" width="65%"></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>Contributions</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Cash
      Payment</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Insurance</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Vehicle</FONT></B></TD>
    <TD noWrap style="text-align: center" width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD noWrap style="text-align: center" width="2%"><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; text-align: center" noWrap width="1%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="65%"><B><FONT face="Times New Roman" size=2>Name</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT size=2 face="Times New Roman">&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="65%"><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"><FONT face="Times New Roman" size=2>9,800</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>6,764</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>720</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>6,854</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>24,138</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="65%"><FONT face="Times New Roman" size=2>James A. Fine, Jr.</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"><FONT face="Times New Roman" size=2>9,800</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>6,829</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>8,324</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>4,868</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>29,821</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="65%"><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"><FONT face="Times New Roman" size=2>9,800</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>6,829</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>8,324</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>4,457</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="2%"><FONT face="Times New Roman" size=2>29,410</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD></TR></TABLE></DIV><BR>
<P align=left><B><I><U><FONT face="Times New Roman" size=2>Salary and
Bonus</FONT></U></I></B><B><I><FONT face="Times New Roman" size=2> </FONT></I></B></P>
<P align=left><B><I><FONT face="Times New Roman" size=2></FONT></I></B><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>For 2012, each of the named
executive officers received a 3.3% increase in base salary over 2011 base
salary. These increases were approved by the Compensation Committee primarily as
cost of living increases. As disclosed in the above Summary Compensation Table,
the Compensation Committee approved significant increases to bonuses for 2012,
as compared to 2011, in recognition of improved operating results, including
significant improvements in revenues, net income, earnings per share and market
value of the Company&#146;s common stock for 2012 as compared to 2011 and recent
years.</FONT></P>
<P align=left><B><I><U><FONT face="Times New Roman" size=2>Benefits and
Perquisites</FONT></U></I></B></P>
<P align=left><I><FONT face="Times New Roman" size=2></FONT></I><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>The Company provides all
eligible employees, including the named executive officers, with a benefit
program that the Compensation Committee believes is reasonable, competitive, and
consistent with the overall objectives of the compensation program. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>18</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The named
executive officers are eligible to participate in the Company&#146;s group insurance
program, which during 2012 included group health, dental, vision, life,
short-term disability, and long-term disability insurance. Other benefits
offered during 2012 included flexible spending accounts and a pretax premium
plan, paid sick leave, paid holidays, and paid vacations. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company also offers participation in a 401(k) Plan. Under the 401(k)
plan, the Company makes contributions amounting to three percent of compensation
for each eligible employee. The Company may make additional contributions under
the profit share provisions of the plan. For the 2013 plan year, the Company
contributed an additional 1% of compensation for eligible employees under the
profit share provisions of the plan. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Company provides Company-owned vehicles to certain officers and
employees who hold positions requiring travel. The Company does not prohibit the
personal use of Company-owned vehicles, but the value of any personal use is
treated as taxable compensation. Each of the executive officers is assigned a
Company-owned vehicle, and may use the vehicle for personal use according to the
Company&#146;s policy covering all Company-owned vehicles. </FONT></P>
<P align=left><B><I><U><FONT face="Times New Roman" size=2>Employment
Agreements</FONT></U></I></B><B><I><FONT face="Times New Roman" size=2> </FONT></I></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Each of the named executive officers is party to an employment agreement
with the Company, which was amended and restated effective as January 1, 2009.
Under the employment agreements, each of J. Allen Fine, James A. Fine, Jr., and
W. Morris Fine, are entitled to a minimum base salary of $303,360, $255,560, and
$255,560, respectively. Under these agreements, Messrs. Fine, Fine, Jr., and
Fine participate in the Company&#146;s benefits programs generally provided to other
executives, receive 30 days of paid vacation and unlimited sick leave, and are
entitled to reimbursement for reasonably incurred out-of-pocket business
expenses. Additionally, under these agreements, Messrs. Fine, Fine, Jr., and
Fine receive an annual supplemental retirement cash payment equal to the amount
that would have been contributed to their 401(k) plan accounts if the
contributions to the 401(k) plan were not limited under federal tax laws. The
agreements also provide for minimum payments to each executive officer in the
event of (i) disability or retirement, (ii) termination by the Company without
cause, or (iii) termination by the officer for good reason or due to a change in
control. The agreements also prohibit Messrs. Fine, Fine, Jr., and Fine from
engaging in certain activities involving competition with the Company for a two
year period following termination of employment. Each employment agreement has a
five year rolling term beginning January 1, 2009, unless terminated earlier in
accordance with it terms.</FONT></P>
<P align=left><B><I><U><FONT face="Times New Roman" size=2>Non-Qualified Supplemental
Retirement Benefit Plan</FONT></U></I></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee maintains a Non-Qualified Supplemental
Retirement Benefit Plan of the Company&#146;s wholly owned subsidiary, Investors
Title Insurance Company (&#147;ITIC&#148;). This plan is an unfunded defined contribution
plan designed to provide additional retirement benefits on a tax-deferred basis
for select management or highly compensated employees. The Company did not make
any contributions to the plan in 2012. Each participant&#146;s account balance was
zero at December 31, 2012. </FONT></P>
<P align=left><B><I><U><FONT face="Times New Roman" size=2>Non-Qualified Deferred
Compensation Plan</FONT></U></I></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>The Compensation Committee maintains a Non-Qualified Deferred
Compensation Plan of ITIC. This plan is an unfunded defined contribution plan
designed to provide additional retirement benefits on a tax deferred basis for
select management or highly compensated employees. The Deferred Compensation
Plan permits each participant to elect annually to defer any portion of his cash
compensation. The Company did not make any contributions to the Plan in 2012 and
each participant&#146;s account balance was zero at December 31, 2012. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>19 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Outstanding Equity Awards at 2012
Fiscal Year-End </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>The following
table sets forth certain information regarding outstanding equity awards at
December 31, 2012 with respect to the named executive officers:</FONT></P>
<TABLE style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" width="100%" colSpan=6><B><FONT face="Times New Roman" size=2>Option
      Awards</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Number of</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Number of</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Securities</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Securities</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>Equity Incentive Plan</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Underlying</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Underlying</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>Awards: Number of</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Unexercised</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Unexercised</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>Securities Underlying</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Option</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Options</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Options</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>Unexercised Unearned</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Exercise</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Option</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid" noWrap align=left width="83%"></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>(#)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>(#)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>Options</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Price</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Expiration</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP ALIGN="LEFT" WIDTH="83%" STYLE="border-left: #000000 1pt solid; border-bottom: #000000 1pt solid; text-align: center"><B><FONT face="Times New Roman" size=2>Name</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Exercisable
      (1)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Unexercisable</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>(#)($)</FONT></B></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>($)</FONT></B></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Date</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="83%"><FONT face="Times New Roman" size=2>J. Allen Fine</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>25,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>$27.97</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>3/2/2016</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="83%"><FONT face="Times New Roman" size=2>James A. Fine, Jr.</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>25,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>$27.97</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>3/2/2016</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="83%"><FONT face="Times New Roman" size=2>W. Morris Fine</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>25,000</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%"><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD style="BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>$27.97</FONT></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="3%"><FONT face="Times New Roman" size=2>3/2/2016</FONT></TD></TR></TABLE><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Amounts represent
      fully vested SARs.</FONT></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Potential Payments Upon Termination or
Change of Control </FONT></B></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Under the employment agreements in effect on December 31, 2012, the
executive officers are entitled to severance payments and benefits under their
employment agreements as described below.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><STRONG><EM>J. Allen Fine.</EM></STRONG></FONT><FONT face="Times New Roman" size=2><STRONG> </STRONG></FONT><FONT face="Times New Roman" size=2>Under Mr. J. Allen
Fine&#146;s employment agreement, if his employment is terminated due to death,
disability or retirement (following his 70<SUP>th</SUP> birthday), he is
entitled to receive the following: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>except in the case of death, a lump sum payment of
  three times the then current salary, but in no event</FONT> <FONT face="Times New Roman" size=2>less than $910,000;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>except in the case of death, a lump sum payment of
  three times the average of the bonus compensation</FONT> <FONT face="Times New Roman" size=2>paid in the three prior years, but in no event less than
  $1,055,000;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified</FONT> <FONT face="Times New Roman" size=2>Deferred Compensation Plan;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accelerated vesting in full of all his stock
  options;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>continued participation in the Company&#146;s health
  insurance plans by him and his wife at no expense</FONT> <FONT face="Times New Roman" size=2>until his death or, if later, his wife&#146;s death; and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>continued participation in the Company&#146;s health
  insurance plans by his dependent children at no</FONT> <FONT face="Times New Roman" size=2>expense until any such children are no longer dependent.</FONT></LI></UL>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Under Mr. Fine&#146;s employment agreement, if his employment is terminated by
the Company other than for &#147;cause&#148; or by him due to the Company&#146;s materially
breaching the agreement (&#147;i.e., good reason&#148;), he is entitled to receive the
following: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>a lump sum payment of five times the then current
  salary, but in no event less than $1,516,800 <BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>a lump sum payment of five times the average of
  the bonus compensation paid in the three prior years,</FONT> <FONT face="Times New Roman" size=2>but in no event less than $1,758,335</FONT></LI></UL>
<P align=center><FONT face="Times New Roman" size=2>20 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified</FONT> <FONT face="Times New Roman" size=2>Deferred Compensation Plan;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accelerated vesting in full of all his stock
  options; and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>continued health insurance coverage as described
  above.</FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>Under Mr. Fine&#146;s
employment agreement, if he terminates his employment because of a &#147;change in
control,&#148; he is entitled to receive the following: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>a lump sum payment equal to 2.99 times his then
  current base salary but in no event less than $907,046;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>a lump sum payment equal to 2.99 times his average
  bonus compensation during the preceding three</FONT> <FONT face="Times New Roman" size=2>years, but in no event less than $1,051,484;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified</FONT> <FONT face="Times New Roman" size=2>Deferred Compensation Plan;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accelerated vesting in full of all his stock
  options; and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>continued health insurance coverage as described
  above.</FONT></LI></UL>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If a change in control does not result in a termination of employment,
Mr. Fine is entitled to a base salary increase of 100%. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>If any portion of these payments and benefits, or payments and benefits
under any other plan, agreement or arrangement, would constitute an &#147;excess
parachute payment&#148; for purposes of the Internal Revenue Code, such payments and
benefits payable under the agreement will be reduced until no portion thereof
would fail to be deductible by reason of being &#147;an excess parachute payment.&#148;
</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Under Mr. Fine&#146;s employment agreement, if his employment is terminated by
the Company for &#147;cause,&#148; he is entitled to receive the following: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>an amount equal to that amount he would have
  received as salary had he remained an employee until</FONT> <FONT face="Times New Roman" size=2>the later of the date of his termination and 30 days after notice of
  termination; and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>accrued benefits under the Nonqualified
  Supplemental Retirement Benefit Plan and Nonqualified</FONT> <FONT face="Times New Roman" size=2>Deferred Compensation Plan.</FONT> </LI></UL>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Under Mr. Fine&#146;s employment agreement, &#147;cause&#148; is defined as: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>the executive&#146;s conviction of, or plea of guilty
  or nolo contendere to, any crime involving dishonesty or</FONT> <FONT face="Times New Roman" size=2>moral turpitude;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the commission by executive of a fraud against the
  Company for which he is convicted;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>gross negligence or willful misconduct by
  executive with respect to the Company which causes</FONT> <FONT face="Times New Roman" size=2>material detriment to the Company;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the falsification or manipulation of any records
  of the Company;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>repudiation of the agreement by executive or
  executive&#146;s abandonment of employment with the</FONT> <FONT face="Times New Roman" size=2>Company;</FONT></LI></UL>
<P align=center><FONT face="Times New Roman" size=2>21 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>breach by executive of his confidentiality,
  non-competition or non-solicitation obligations under the agreement; or</FONT>
  <BR>&nbsp;
  </LI><LI><FONT face="Times New Roman" size=2>failure or refusal of executive to perform his
  duties with the Company or to implement or follow the policies or directions
  of the Board of Directors within 30 days after a written demand for
  performance is delivered to executive that specifically identifies the manner
  in which the Board of Directors believes that executive has not performed his
  duties or failed to implement or follow the policies or directions of the
  Board of Directors. </FONT></LI></UL>
<P align=left><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Under Mr. Fine&#146;s employment agreement, a &#147;change in control&#148; will occur
if: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>any person or group acting in concert, other than
  the executive or his affiliates or immediate family members, is or becomes the
  beneficial owner, directly or indirectly, of securities of the Company
  representing 50% or more of the combined voting power of the Company&#146;s
  outstanding shares entitled to vote for the election of
  directors;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the directors serving at the time the agreement
  was entered into or any successor to any such director (and any additional
  director) who after such time (i) was nominated or selected by a majority of
  the directors serving at the time of his or her nomination or selection and
  (ii) who is not an &#147;affiliate&#148; or &#147;associate&#148; (as defined in Regulation 12B
  under the Securities Exchange Act of 1934) of any person who is the beneficial
  owner, directly or indirectly, of securities representing 50% or more of the
  combined voting power of the Company&#146;s outstanding shares entitled to vote for
  the election of directors, cease for any reason to constitute at least a
  majority of the Company&#146;s Board of Directors;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>a sale of more than 50% of the Company&#146;s assets
  (measured in terms of monetary value) is consummated; or<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>any merger, consolidation, or like business
  combination or reorganization of the Company is consummated that results in
  the occurrence of any event described above. </FONT></LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>J. Allen Fine is
also party to a Death Benefit Plan Agreement with the Company. The Death Benefit
Plan Agreement provides that in the event of his death while employed by the
Company, a lump sum amount equal to three (3) times the sum of his current base
salary, but in no event to be less than $910,000, plus the average of his bonus
compensation for the past three (3) years, but in no event to be less than
$1,055,000, be paid within 60 days of his death to a beneficiary designated by
Mr. Fine. </FONT></P>
<P align=left><FONT face="Times New Roman" size=2></FONT>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><STRONG><EM>James A. Fine, Jr. and W. Morris
Fine</EM></STRONG></FONT><FONT face="Times New Roman" size=2><STRONG>. </STRONG></FONT><FONT face="Times New Roman" size=2>The employment agreements of James A. Fine, Jr. and W. Morris
Fine are substantially identical to J. Allen Fine&#146;s employment agreement, except
that under their agreements the following apply: </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>Messrs. Fine, Jr. and Fine are eligible to receive
  retirement benefits under their agreements after age 50, rather than age
  70;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the minimum lump sum salary payment upon
  termination for disability or retirement shall be no less than $766,680 for
  each;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the minimum lump sum bonus compensation payment
  upon termination for disability or retirement shall be no less than $1,030,000
  for James A. Fine, Jr. and no less than $1,015,000 for W. Morris
  Fine;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>the minimum lump sum salary payment for
  termination without cause or by employee for good reason shall be no less than
  $1,277,800 for each; </FONT></LI></UL>
<P align=center><FONT face="Times New Roman" size=2>22 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>the minimum lump sum bonus compensation payment
  for termination without cause or by employee for</FONT> <FONT face="Times New Roman" size=2>good reason shall be no less than $1,716,665 for James A. Fine, Jr. and
  no less than $1,691,665 for W. Morris
  Fine;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>if James A. Fine, Jr. leaves the Company due to a
  change in control, he will receive a lump sum salary</FONT> <FONT face="Times New Roman" size=2>payment in an amount no less than $764,124 and a lump sum bonus payment
  in an amount no less than</FONT> <FONT face="Times New Roman" size=2>$1,026,565;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>if W. Morris Fine leaves the Company due to a
  change in control, he will receive a lump sum salary</FONT> <FONT face="Times New Roman" size=2>payment in an amount no less than $764,124 and a lump sum bonus payment
  in an amount no less than</FONT> <FONT face="Times New Roman" size=2>$1,011,615;
  and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>following termination of employment by the Company
  other than for &#147;cause&#148; or by the executive due to</FONT> <FONT face="Times New Roman" size=2>a material breach by the Company of the agreement (i.e., &#147;good reason&#148;)
  or because of a &#147;change in</FONT> <FONT face="Times New Roman" size=2>control,&#148; they are
  entitled to cause the Company to transfer to them any life insurance policies
  owned</FONT> <FONT face="Times New Roman" size=2>by the Company on their lives.</FONT>
  </LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>James A. Fine,
Jr. and W. Morris Fine are also each party to a Death Benefit Plan Agreement.
Their Death Benefit Plan Agreements provide that in the event of their death
while employed by the Company, a lump sum amount equal to three (3) times the
sum of their current base salary, but in no event to be less than $766,680 for
each Executive, plus the average of each Executive&#146;s bonus compensation for the
past three (3) years, but in no event to be less than $1,030,000 for James A.
Fine, Jr. and no less than $1,015,000 for W. Morris Fine, be paid within 60 days
of their individual death to a beneficiary designated by the Executive.
Additionally, under each Executive&#146;s Death Benefit Plan Agreement, each of
Messrs. Fine and their designated beneficiaries would also be paid a lump sum
amount equal to $2,000,000, </FONT></P>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>reduced by the following amounts:</FONT> </LI></UL>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      </FONT></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>three times the then
      current base salary but in no event to be less than $766,680 for each
      executive;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>three times the
      average bonus compensation during the preceding three years but in no
      event to be less than $1,030,000 for James A. Fine, Jr. and no less than
      $1,015,000 for W. Morris Fine;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(c)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>the cost of continued
      participation in the Company&#146;s health insurance plans by the executive&#146;s
      wife until her death; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(d)</FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>the cost of continued
      participation in the Company&#146;s health insurance plans by the executive&#146;s
      dependent children until any such children are no longer
    dependent.</FONT></TD></TR></TABLE>
<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>increased by the amounts accrued on the Company&#146;s
  books as of the date of death for the payments</FONT> <FONT face="Times New Roman" size=2>described in items (a) through (d) above.</FONT> </LI></UL>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2><I><B>Conditions
to Receipt of Severance Benefits.</B></I> Under each named executive officer&#146;s
employment agreement, the Company&#146;s obligations to provide the executive with
the severance benefits described above are contingent on: </FONT></P>



<UL style="FONT-SIZE: 10pt"><LI><FONT face="Times New Roman" size=2>The executive&#146;s compliance with certain covenants
  with respect to confidential information;<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>The executive&#146;s compliance with a two year
  non-competition covenant; and<BR>&nbsp;</FONT>
  </LI><LI><FONT face="Times New Roman" size=2>The executive&#146;s compliance with a two year
  non-solicitation covenant.</FONT></LI></UL>
<P align=center><FONT face="Times New Roman" size=2>23 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>CERTAIN RELATIONSHIPS AND RELATED
TRANSACTIONS </FONT></B></P>
<P align=left>&nbsp;&nbsp;&nbsp;&nbsp; <FONT face="Times New Roman" size=2>On March 2, 2009,
each of the named executive officers&#151;J. Allen Fine, James A. Fine, Jr. and W.
Morris Fine&#151;received a grant of 25,000 stock appreciation rights (&#147;SARs&#148;). Each
SAR has an exercise price of $27.97 and is fully vested and exercisable. Upon
exercise of each SAR, each named executive officer is entitled to receive an
amount (payable in shares of the Company&#146;s Common Stock) equal to the difference
between the fair market value of the Common Stock and the exercise price. On
March 1, 2013, the Audit Committee approved proposed repurchases by the Company
of the shares of Common Stock to be issued to the named executive officers upon
exercise of the SARs. At the time of exercise, the Company may repurchase at
market value up to the number of shares necessary to cover the minimum
withholding tax obligations resulting from the exercise. Any remaining shares
issued upon exercise of the SARs may be repurchased by the Company at market
value after a six-month holding period, subject to a specified maximum purchase
price per share and re-approval by the Audit Committee upon presentation for
repurchase. Any repurchases must also be consistent with the Company&#146;s then
existing stock repurchase program. The approval of the proposed repurchases by
the Audit committee does not obligate the Company, or give the named executive
officers the right to require the Company, to enter into or consummate the
proposed repurchases upon exercise of the SARs. There were no other reportable
related person transactions for the years 2012 or 2011.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>SHAREHOLDER PROPOSALS FOR 2014 ANNUAL
MEETING </FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2></FONT></B><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>Shareholders who, in
accordance with SEC Rule 14a-8, wish to present proposals for inclusion in the
proxy materials to be distributed in connection with the 2014 Annual Meeting of
Shareholders must submit their proposals so that they are received at the
Company&#146;s principal executive offices no later than December 13, 2013. Pursuant
to SEC rules, submitting a proposal does not guarantee that it will be included
in the proxy materials.</FONT></P>
<P align=left><FONT face="Times New Roman" size=2><FONT size=2 face="Times New Roman"></FONT><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT>In accordance with the Company&#146;s Bylaws,
in order to be properly brought before the 2014 Annual Meeting of Shareholders,
a shareholder&#146;s notice of a matter the shareholder wishes to present (other than
a matter brought pursuant to SEC Rule 14a-8), or the person or persons the
shareholder wishes to nominate as a director, must be delivered to the Corporate
Secretary of the Company at its principal executive offices no earlier than the
close of business on January 15, 2014 and no later than the close of business on
February 14, 2014. To be in proper form, such shareholder&#146;s notice must include
the specified information concerning the proposal or nominee as described in the
Company&#146;s Bylaws. The Company or the presiding officer at the annual meeting of
shareholders may refuse to accept any such proposal that is not in proper form
or submitted in compliance with the procedures specified in the Company&#146;s
Bylaws.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD width="50%"></TD>
    <TD width="50%">
      <P align=left><FONT face="Times New Roman" size=2>BY ORDER OF THE BOARD OF DIRECTORS:
      </FONT></P></TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%">&nbsp;</TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%"><IMG src="investitlecomp_def14a2x14x1.jpg" border=0></TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%">&nbsp;</TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%">
      <P align=left><FONT face="Times New Roman" size=2>W. Morris Fine<BR>Secretary
      </FONT></P></TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%">&nbsp;</TD></TR>
  <TR>
    <TD width="50%"></TD>
    <TD width="50%">
      <P align=left><FONT face="Times New Roman" size=2>April 12, 2013
  </FONT></P></TD></TR></TABLE>
<P align=right></P>
<P align=center><FONT face="Times New Roman" size=2>24 </FONT></P>
<HR align=center width="100%" noShade size="2">

<!--proxycard here-->
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    <TD noWrap width="100%">
      <P><STRONG><EM><FONT face="times new roman" size=1>Broadridge Corporate
      Issuer Solutions<BR>PO BOX 1342<BR>Brentwood, NY
      11717</FONT></EM></STRONG></P></TD></TR></TABLE>
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  <TR vAlign=bottom>
    <TD width="100%"><STRONG>VOTE BY INTERNET -
  www.proxyvote.com</STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: left" width="100%">Use the Internet to transmit
      your voting instructions and for electronic delivery of information up
      until 11:59 P.M. Eastern Time the day before the cut-off date or meeting
      date. Have your proxy card in hand when you access the web site and follow
      the instructions to obtain your records and to create an electronic voting
      instruction form.</TD></TR>
  <TR>
    <TD width="100%">&nbsp;</TD></TR>
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    <TD noWrap width="100%"><STRONG>VOTE BY MAIL</STRONG></TD></TR>
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    <TD style="TEXT-ALIGN: left" width="100%">Mark, sign and date your proxy
      card and return it in the postage-paid envelope we have provided or return
      it to Vote Processing, c/o Broadridge, 51 Mercedes Way, Edgewood, NY
    11717.</TD></TR>
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    <TD width="100%"><STRONG>&nbsp;</STRONG></TD></TR>
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    <TD width="100%">&nbsp;</TD></TR></TABLE></DIV><BR clear=all>&nbsp;
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    <TD noWrap align=left width="1%">&nbsp;&nbsp;
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    <TD style="BORDER-BOTTOM: #000000 1pt dashed" noWrap align=left width="82%">TO VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS:</TD>
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    <TD style="BORDER-BOTTOM: #000000 1pt dashed" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt dashed" noWrap align=right width="15%">KEEP THIS PORTION FOR YOUR RECORDS</TD></TR>
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    <TD noWrap align=left width="1%"></TD>
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    <TD noWrap align=right width="15%">DETACH AND RETURN THIS PORTION
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  <TR>
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    <TD style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: center" noWrap width="99%" colSpan=4><STRONG>THIS PROXY CARD IS VALID ONLY WHEN
      SIGNED AND DATED.</STRONG></TD></TR></TABLE>
<DIV style="FLOAT: left; WIDTH: 1%">
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P><IMG src="proxycardx1x2.jpg" border=0></P></DIV>
<DIV style="BORDER-RIGHT: #000000 2.25pt solid; PADDING-RIGHT: 4pt; BORDER-TOP: #000000 2.25pt solid; PADDING-LEFT: 4pt; FONT-SIZE: 8pt; FLOAT: right; PADDING-BOTTOM: 4pt; BORDER-LEFT: #000000 2.25pt solid; WIDTH: 97%; PADDING-TOP: 4pt; BORDER-BOTTOM: #000000 2.25pt solid; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify">
<TABLE style="FONT-SIZE: 8pt; FLOAT: left; WIDTH: 43%; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top width="75%" colSpan=9>&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>&nbsp; For&nbsp; </B></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>&nbsp; Withhold&nbsp; </B></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>&nbsp; For All&nbsp; </B></TD></TR>
  <TR>
    <TD style="TEXT-ALIGN: center" vAlign=top width="2%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" vAlign=top width="73%" colSpan=8>&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp; </TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>All</B></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>All</B></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap align=center width="8%"><B>Except</B></TD></TR>
  <TR>
    <TD vAlign=top width="2%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="73%" colSpan=8><STRONG>The Board of Directors
      recommends you vote<BR>FOR the following:</STRONG></TD>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="8%">&nbsp;</TD>
    <TD vAlign=top noWrap width="8%">&nbsp;</TD>
    <TD vAlign=top noWrap width="8%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top width="2%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="1%"></TD>
    <TD vAlign=top width="72%" colSpan=7>&nbsp; </TD>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" vAlign=top width="8%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top width="8%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top width="8%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap width="2%"></TD>
    <TD noWrap width="1%"><B>1.</B>&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap width="97%" colSpan=11>Election of Directors</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap width="2%">&nbsp;</TD>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD noWrap width="97%" colSpan=11><STRONG>Nominees</STRONG></TD></TR>
  <TR>
    <TD vAlign=top noWrap width="2%"></TD>
    <TD noWrap width="1%"></TD>
    <TD noWrap width="97%" colSpan=11>&nbsp;</TD></TR></TABLE><BR>
<TABLE style="MARGIN-TOP: -10pt; FONT-SIZE: 8pt; FLOAT: right; WIDTH: 45%; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=top width="63%" rowSpan=2>To withhold authority to vote for any individual nominee(s),
      mark &#147;For All Except&#148; and write the number(s) of the nominee(s) on the
      line below.<BR><BR><BR></TD>
    <TD vAlign=top noWrap width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap width="15%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%" rowSpan=2>&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap align=right width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="15%">
      <DIV style="BORDER-RIGHT: #000000 2.25pt solid; BORDER-TOP: #000000 2.25pt solid; WIDTH: 0.4in; HEIGHT: 0.4in">&nbsp;&nbsp;</DIV></TD></TR></TABLE>
<P>&nbsp;</P>
<P>&nbsp;</P>
<TABLE style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD noWrap width="1%"></TD>
    <TD noWrap width="2%" colSpan=2>01&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">J. Allen Fine</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">02&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">David L. Francis</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">03&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=middle width="85%" colSpan=6>James H. Speed, Jr.</TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="98%" colSpan=19>&nbsp;</TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD width="92%" colSpan=15><STRONG>The Board of Directors recommends you
      vote FOR the following proposal:</STRONG></TD>
    <TD vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"><STRONG>&nbsp; </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; For&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; Against&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; Abstain&nbsp;
      </STRONG></TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp; &nbsp;</TD>
    <TD vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"><STRONG>2</STRONG></TD>
    <TD vAlign=top width="91%" colSpan=14>Advisory resolution approving the
      compensation paid to our named executive officers.</TD>
    <TD vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp; &nbsp;</TD>
    <TD vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top width="92%" colSpan=15><STRONG>The Board of Directors
      recommends you vote <U>3 YEARS</U> on the following proposal:</STRONG></TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"><STRONG>&nbsp;&nbsp;1 year&nbsp;
    </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; 2 years&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap width="1%"><STRONG>&nbsp;&nbsp;3 years&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap width="1%"><STRONG>&nbsp;&nbsp;Abstain&nbsp;
      </STRONG></TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp;</TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"><STRONG>3</STRONG></TD>
    <TD vAlign=top width="91%" colSpan=14>Advisory proposal on the frequency
      of future advisory votes to approve the compensation paid to our named
      executive officers.</TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap align=center width="1%"><FONT face=Wingdings size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD>
    <TD style="TEXT-ALIGN: center" vAlign=top noWrap width="1%"><FONT style="FONT-FAMILY: wingdings" size=2>o</FONT></TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp;</TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top width="92%" colSpan=15><STRONG>The Board of Directors
      recommends you vote FOR the following proposal:</STRONG></TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"><STRONG></STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; For&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; Against&nbsp;
      </STRONG></TD>
    <TD vAlign=top noWrap align=center width="1%"><STRONG>&nbsp; Abstain&nbsp;
      </STRONG></TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp;</TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"></TD></TR>
  <TR>
    <TD noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%"><STRONG>4</STRONG></TD>
    <TD vAlign=top width="91%" colSpan=14>Proposal to ratify the appointment
      of Dixon Hughes Goodman LLP as the Company's independent registered public
      accounting firm for 2013.</TD>
    <TD vAlign=top noWrap width="3%"></TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap align=center width="1%"><FONT face=Wingdings size=2>o</FONT></TD>
    <TD vAlign=top noWrap align=center width="1%"><FONT face=Wingdings size=2>o</FONT></TD>
    <TD vAlign=top noWrap align=center width="1%"><FONT face=Wingdings size=2>o</FONT></TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top width="91%" colSpan=14>&nbsp; &nbsp;</TD>
    <TD vAlign=top noWrap width="3%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%"></TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top noWrap width="1%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD vAlign=top width="96%" colSpan=17>
      <P align=left><STRONG>NOTE:</STRONG> The proxies are authorized to vote in
      accordance with their best judgment on such other business as may properly
      come before the meeting or any adjournment or postponement thereof.</P></TD>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%">&nbsp;</TD>
    <TD vAlign=top width="1%">&nbsp;</TD></TR></TABLE>
<TABLE style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="53%" border=0>

  <TR>
    <TD noWrap align=left width="99%" colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="2%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="PADDING-RIGHT: 8pt" vAlign=top align=justify width="94%" colSpan=3></TD>
    <TD width="3%"></TD></TR>
  <TR>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD align=left width="88%">&nbsp;</TD>
    <TD noWrap width="3%"></TD>
    <TD noWrap width="3%"></TD>
    <TD noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="2%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="88%"></TD>
    <TD style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="PADDING-RIGHT: 4pt; PADDING-LEFT: 4pt; TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD noWrap width="3%">&nbsp;</TD></TR>
  <TR>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD noWrap align=left width="88%">&nbsp;</TD>
    <TD noWrap width="3%">&nbsp;</TD>
    <TD noWrap width="3%">&nbsp;</TD>
    <TD noWrap width="3%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD align=justify width="88%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD noWrap width="3%">&nbsp;</TD></TR></TABLE><BR>
<TABLE style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD width="1%"></TD>
    <TD align=left width="48%" colSpan=3>Please sign exactly as your name(s)
      appear(s) hereon. When signing as attorney, executor, administrator, or
      other fiduciary, please give full title as such. Joint owners should each
      sign personally. All holders must sign. If a corporation or partnership,
      please sign in full corporate or partnership name, by authorized
    officer.</TD>
    <TD noWrap width="1%"></TD>
    <TD width="49%" colSpan=3></TD></TR>
  <TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="48%" colSpan=3>&nbsp;&nbsp;</TD>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD width="49%" colSpan=3>&nbsp;</TD></TR>
  <TR style="HEIGHT: 20pt">
    <TD width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; PADDING-LEFT: 2.5in; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.25pt solid" width="1%"><BR></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; PADDING-LEFT: 0.5in; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.25pt solid" width="1%">&nbsp;</TD>
    <TD width="46%">&nbsp;</TD>
    <TD style="PADDING-LEFT: 2%" noWrap width="1%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; PADDING-LEFT: 2.5in; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.25pt solid" width="1%">&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; PADDING-LEFT: 0.5in; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1.25pt solid" width="1%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD></TR>
  <TR>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">Signature [PLEASE SIGN WITHIN BOX]</TD>
    <TD width="1%">Date</TD>
    <TD width="46%">&nbsp;</TD>
    <TD noWrap width="1%">&nbsp;</TD>
    <TD width="1%">Signature (Joint Owners)</TD>
    <TD width="1%">Date</TD>
    <TD width="47%">&nbsp;</TD></TR></TABLE></DIV><BR clear=all><BR>
<HR align=center width="100%" noShade SIZE=2>
</DIV>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2></FONT>&nbsp;</P>
<P align=left><B><FONT face="Times New Roman" size=2></FONT></B>&nbsp;</P>
<P align=left><B><FONT face="Times New Roman" size=2></FONT></B>&nbsp;</P>
<P align=left><STRONG><FONT face="Times New Roman" size=2></FONT></STRONG>&nbsp;</P>
<P align=left><STRONG><FONT face="Times New Roman" size=2></FONT></STRONG>&nbsp;</P>
<P align=left><STRONG><FONT face="Times New Roman" size=2></FONT></STRONG>&nbsp;</P>
<P align=left><STRONG><FONT face="Times New Roman" size=2></FONT></STRONG>&nbsp;</P>
<P align=left>&nbsp;</P><BR><BR>
<DIV>
<TABLE style="FONT-SIZE: 8pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD noWrap width="1%">&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</TD>
    <TD style="BORDER-BOTTOM: black 1px dashed" align=left width="99%"><FONT face="Times New Roman" size=2><STRONG>Important Notice Regarding the
      Availability of Proxy Materials for the Annual Meeting:</STRONG> The
      Notice &amp; Proxy Statement, and Annual Report to Shareholders is/are
      available at www.proxyvote.com.</FONT></TD></TR>
  <TR>
    <TD align=right width="1%">&nbsp;</TD>
    <TD align=right width="99%"></TD></TR></TABLE></DIV>
<DIV style="FLOAT: left; WIDTH: 1%">
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P>&nbsp;</P>
<P><IMG src="proxycardx2x1.jpg" border=0></P></DIV>
<DIV style="BORDER-RIGHT: #000000 2.25pt solid; PADDING-RIGHT: 20pt; BORDER-TOP: #000000 2.25pt solid; PADDING-LEFT: 20pt; FONT-SIZE: 10pt; FLOAT: right; PADDING-BOTTOM: 6pt; BORDER-LEFT: #000000 2.25pt solid; WIDTH: 97%; PADDING-TOP: 6pt; BORDER-BOTTOM: #000000 2.25pt solid; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify">
<DIV align=center><FONT style="FONT-FAMILY: Times New Roman" size=2><STRONG>INVESTORS TITLE COMPANY<BR>Annual Meeting of Shareholders<BR>May
15, 2013 11:00 AM<BR>This proxy is solicited by the Board of
Directors</STRONG></FONT></DIV>
<DIV align=center>&nbsp;</DIV>
<DIV align=left><FONT face="times new roman" size=2>The shareholder(s) signing
the reverse side hereby appoint(s) J. Allen Fine and W. Morris Fine, or either
of them, as proxies, each with the power to appoint a substitute, and hereby
authorizes them to represent and to vote, as designated on the reverse side of
this ballot, all of the shares of common stock of Investors Title Company that
shareholders are entitled to vote at the Annual Shareholders' Meeting of
Investors Title Company to be held at The Siena Hotel located at 1505 East
Franklin Street, Chapel Hill, North Carolina on Wednesday, May 15, 2013 at 11:00
AM, EDT, and any adjournment or postponement thereof.</FONT></DIV>
<DIV align=justify>&nbsp;</DIV>
<DIV align=justify><STRONG><FONT face="times new roman" size=2>This proxy, when
properly executed, will be voted in the manner directed herein. If no such
direction is made, this proxy will be voted in accordance with the Board of
Directors' recommendations. The proxy holders are also authorized to vote upon
all other matters as may properly come before the meeting, or any adjournment or
postponement thereof, utilizing their best judgment as described in the proxy
statement.</FONT></STRONG></DIV>
<DIV align=justify>&nbsp;</DIV>
<DIV align=justify>&nbsp;</DIV>
<DIV align=justify>&nbsp;</DIV>
<DIV>&nbsp;</DIV>
<CENTER>&nbsp;</CENTER>
<CENTER><BR>&nbsp;</CENTER>
<CENTER>&nbsp;</CENTER>
<CENTER>&nbsp;</CENTER>
<CENTER>&nbsp;</CENTER>
<CENTER><FONT style="FONT-FAMILY: Times New Roman" size=2><STRONG>Continued and
to be signed on reverse side</STRONG></FONT></CENTER></DIV><BR clear=all><BR>
<HR align=center width="100%" noShade SIZE=2>

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