Document:

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                                                                   EXHIBIT 10.28

                             ISSUING AGENCY CONTRACT

This Issuing Agency Contract ("Contract") is made and entered into this 9th of
August 2004, by and between Chicago Title Insurance Company, a Missouri
corporation ("Principal") and LSI Alabama, LLC, an Alabama Limited Liability
Company ("Agent").

In consideration of the promises and the mutual covenants herein and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Principal and Agent agree as follows:

1.    APPOINTMENT OF AGENT. Principal hereby appoints Agent as a policy issuing
      agent of Principal for the sole purpose of issuing title insurance
      commitments, policies, endorsements and other title assurances approved by
      Principal and by all required regulatory agencies, now in existence or
      hereafter developed, relating to real property located in all counties of
      the State of Alabama ("geographic area") in accordance with the terms of
      this Contract; provided, however, that Agent will immediately cease and
      refrain from issuing any policies of Principal in any portion of the
      geographic area in which Principal informs Agent that Principal had, on
      the date indicated above, an exclusive agency agreement with another agent
      or agency. During the term of this Contract, pertaining to the geographic
      area:

      A.    Agent shall issue title insurance commitments, policies and
            endorsements of Principal and any other title insurance company

      B.    Principal or its affiliates and subsidiaries shall have, and do
            retain, the right to appoint other agents; and

      C.    Principal and its affiliates or subsidiaries shall have, and do
            retain, the right to service directly any customer, and Principal or
            its affiliates or subsidiaries may, without limitation, do any of
            the following:

            (i)   issue directly, from any of its offices, or from any location
                  nationwide, commitments, policies, endorsements, or any other
                  title assurance or evidence, search or real estate information
                  product, or any other product whatsoever, now in existence or
                  hereafter developed (all of the foregoing are hereafter
                  collectively referred to as "Information");

            (ii)  purchase or otherwise obtain from any source any search data
                  or Information.

2.    CONTRACT TERM. The term of this Contract shall be ten (10) years,
      commencing on August 9, 2004; provided however that Agent shall not issue
      any title insurance commitments, policies and endorsements of Principal in
      any county or state in the geographic area until Agent is duly licensed to
      do so by the applicable regulatory body in such state or permitted to do
      so by applicable law or regulation of such state. At any time after the
      initial five (5) years of this Contract, either party may give written
      notice to the other of its election to terminate this Contract with such
      termination to take effect at least five (5) years after delivery of the
      written notice. The term of this Contract shall be

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      automatically extended beyond the initial ten (10) year term until (i)
      written notice is provided by either party and (ii) the term of the notice
      (which shall not be less than five (5) years) has expired. Notwithstanding
      the foregoing, either party hereto may terminate this Contract pursuant to
      Paragraph 9 hereof. Notwithstanding anything to the contrary herein, this
      Agreement shall be terminated following ninety (90) days' written request
      for such termination by the Missouri Department of Insurance in the event
      Principal is or has been placed under regulatory supervision.

3.    DUTIES OF PRINCIPAL. Principal shall:

      A.    Furnish Agent forms of commitments, policies, endorsements and other
            forms required for transacting Agent's title insurance business.

      B.    Furnish Agent guidelines and instructions for transacting Agent's
            title insurance business.

      C.    Resolve all risk assumption questions submitted by Agent.

      D.    Arrange for reinsurance where required, to the extent such
            reinsurance is available.

4.    DUTIES OF AGENT. Agent shall:

      A.    Receive and process applications for title insurance in a timely,
            prudent and ethical manner with due regard to recognized title
            insurance underwriting practices and in accordance with Principal's
            bulletins, manuals and other instructions of Principal.

      B.    Base each policy issued on behalf of Principal upon a determination
            of insurability of title that includes

            (i)   a search from earliest public records or in accordance with
                  Principal's written instructions; and

            (ii)  an examination of all documents affecting title to the subject
                  property.

      C.    Supply, at Agent's expense, office space and qualified personnel for
            conducting business pursuant to this Contract by the date of
            execution of this Contract.

      D.    Prepare, preserve and maintain in Agent's possession a separate file
            for each application for title insurance containing all documents
            upon which Agent relied to make its determination of insurability,
            including, but not limited to: affidavits, maps, plats, lien
            waivers, surveys, title reports, searches, examinations, and work
            sheets, together with a copy of each commitment, policy, endorsement
            and other title assurance issued as well as closing statements,
            disbursement worksheets, copies of all checks disbursed and
            receipted, deposit slips, escrow agreements and any other
            instruments or documents executed or created at Closing. Pertaining
            to Agent's files:

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            (i)   Title thereto shall remain with Agent. Upon termination of
                  this Contract, Agent shall allow Principal to copy, at
                  Principal's cost and expense, Agent's files. Agent hereby
                  grants to Principal the right to enter upon the premises of
                  Agent or other locations where such files are maintained,
                  during business hours, for purposes of recovering possession
                  thereof;

            (ii)  In the event Agent ceases to engage in the title insurance
                  business, title to such files shall vest in Principal, and
                  Agent shall deliver said files to Principal immediately upon
                  termination of this Contract. Agent hereby grants to Principal
                  the right to enter upon the premises of Agent or other
                  locations where such said files are maintained, during
                  business hours, for purposes of recovering possession thereof.

            (iii) In the event Agent sells, transfers or conveys its title
                  insurance operations or any interest therein to a third party,
                  Principal shall have the right to copy such files, and the
                  right to copy shall survive any sale, transfer or encumbrance
                  of Agent's title insurance operations or an interest therein.
                  Agent hereby grants to Principal the right to enter upon the
                  premises of Agent or other locations where said title files
                  are maintained, during business hours, for purposes of making
                  a reproduction thereof.

      E.    Report to Principal, as hereafter set forth, by sending to Principal
            any one of the following:

            (i)   a copy of each policy, endorsement and other title assurance
                  issued by Agent; or

            (ii)  a voucher containing information regarding each policy,
                  endorsement and other title assurance issued by Agent, as
                  instructed by Principal; or

            (iii) information regarding each policy, endorsement and other title
                  assurance issued by Agent, in magnetic or electronic format,
                  as instructed by Principal.

      F.    Maintain a policy register in a form approved by Principal showing
            the disposition of all policies and other pre-numbered forms
            furnished by Principal. Upon request by Principal, Agent shall
            furnish a statement accounting for all such forms and shall return
            all spoiled, obsolete or canceled policies and forms to Principal.
            Agent shall safely maintain and store all forms furnished by
            Principal and hereby assumes liability for loss or damage suffered
            by Principal by reason of Agent's wrongful or negligent use or
            storage of such forms.

      G.    Provide Principal annually copies of annual financial statements of
            the agency and an updated Information Affidavit, such financial
            statements to be kept confidential by Principal.

      H.    Perform such services and render such assistance as Principal may
            reasonably request in connection with any claim or litigation
            arising from a commitment,

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            policy, endorsement or other title assurance issued by Agent or by
            Principal on behalf of Agent or on account of any conduct of Agent,
            whether such claim or litigation is instituted during the term of
            this Contract or following termination thereof. In addition, Agent
            shall promptly forward to Principal:

            (i)   all documents received by Agent in which Principal is a party
                  to judicial proceedings;

            (ii)  all written complaints or inquiries made to any regulatory
                  agency regarding transactions involving title insurance
                  policies, endorsements, commitments or other title assurances
                  of Principal;

            (iii) any information alleging a claim involving a policy,
                  commitment, endorsement or other title assurance of Principal
                  or a transaction for which Principal may be liable; and

            (iv)  all original documentation and work papers associated with the
                  transaction or conduct giving rise to any claim or complaint.

      I.    In those instances where Agent closes real estate transactions and
            receives and disburses funds of others, Agent shall

            (a)   maintain said funds safely in accounts fully insured by an
                  agency of the Federal Government and in accordance with
                  applicable state laws;

            (b)   maintain separate from Agent's personal or operating accounts
                  all funds received by Agent from any source in connection with
                  transaction(s) in which Principal's title insurance is
                  involved;

            (c)   disburse such funds only for the purposes for which they were
                  entrusted;

            (d)   maintain an escrow ledger for each title insurance order
                  involving fiduciary funds, which ledger shall separately
                  reflect the escrow activity for each order;

            (e)   maintain a control account showing total fiduciary liability
                  for each escrow bank account; and

            (f)   reconcile monthly the control account and ledger records to
                  the monthly bank statement.

      J.    Comply with all applicable laws and regulations relating to the
            conduct of Agent's business.

      K.    Comply with all bulletins, manuals and other instructions furnished
            to Agent in writing, by facsimile or other electronic transmission
            by Principal. If any reasonable doubt exists with regard to the
            insurability or marketability of title or as to whether a particular
            risk is extra-ordinary or extra-hazardous, Agent shall

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            contact Principal or Principal's designated underwriting counsel for
            guidance and approval.

      L.    The parties hereto acknowledge that Agent is not an agent of
            Principal for purposes of conducting a Closing, as defined in
            Paragraph 7H hereof; however, because Principal may be subject to
            allegations of liability for acts of Agent with regard to Agent's
            settlement or escrow business, Agent shall cooperate with Principal
            in the performance of audits of Agent's escrow records, accounts and
            procedures. In addition, Agent agrees to provide to Principal,
            within thirty (30) days following receipt, a copy of any audit
            conducted by any accounting firm with respect to Agent's escrow
            records, accounts or procedures.

      M.    Timely furnish the insured with a title insurance policy and other
            title assurances Agent is obligated to issue.

      N.    Maintain in confidence the terms and conditions of this Contract.

      O.    Neither Agent nor any affiliate shall pay any commission for the
            solicitation or negotiation of any services constituting the
            business of title insurance, other than the payment of commissions,
            incentive compensation, or bonuses with respect to full-time
            salaried employees based on any such employees' level of production
            of any services constituting the business of title insurance. If
            Agent or, where applicable, its affiliates makes any such payments
            to full-time salaried employees, Agent or affiliate shall maintain
            adequate records detailing the conditions to receipt of any
            commission, incentive compensation, or bonus, the recipient thereof,
            and the amount paid. No employee of Agent shall, directly or
            indirectly, pay or offer to pay, either directly or indirectly, any
            part of his or her compensation to any prohibited person or entity
            as an inducement for or as compensation for any title insurance
            business or any escrow or other title business.

5.    RATES AND REMITTANCES. Attached hereto and made a part hereof is a
      Schedule of Rates and Remittances or Rider. Agent shall quote, charge and
      collect the Rates set forth therein, as may be amended from time to time
      by Principal, and shall report and remit to Principal premiums as set
      forth therein.

6.    INSURANCE. Agent shall immediately obtain and keep in full force, at
      Agent's expense, during the term of this Contract:

            (i)   Title Insurance Agent's Errors and Omissions Policy with
                  opinion of title coverage, with an insurance company
                  acceptable to Principal in a sum of not less than $1,000,000
                  with, if reasonably available, a loss payee provision in favor
                  of Principal; and

            (ii)  Fidelity Insurance of $1,000,000 covering all officers,
                  employees, shareholders, partners, members and other
                  principals of Agent with a loss payee provision in favor of
                  Principal.

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      Agent will submit a copy of the policies to Principal within 14 days of
      the effective date of this Contract, and Agent agrees to furnish Principal
      annually with a copy of such policies and any renewals thereof and any
      other evidence that Principal may deem necessary to demonstrate compliance
      with this provision. Agent hereby assigns to Principal, Principal's legal
      representatives and assigns, all sums claims, demands and causes of action
      of whatsoever kind, that Agent may have against Agents Errors and
      Omissions insurance company and against Agent's Fidelity insurance
      company, in connection with all claims arising out of the actions of
      Agent, its employees, agents, independent contractors and subcontractors
      which fall within the scope of this Paragraph 6 and the Contract hereof.

7.    LIMITATIONS ON AGENT'S AUTHORITY. Agent shall not, without prior written
      approval of Principal:

      A.    Commit Principal to a risk in excess of One Million Five Hundred
            Thousand Dollars ($1,500,000.00). This limit shall include not only
            the commitment, policy, endorsement and/or other title assurance
            immediately being issued, but also risks where

            (i)   Agent knows or has reason to believe that additional title
                  insurance will be ordered covering substantially the same real
                  property; or

            (ii)  the aggregate liability will exceed the referenced limit, such
                  as condominium and time share projects (hereafter referred to
                  as the "Risk Limit").

      B.    Commit Principal to insure a title involving a risk which, if
            disclosed to Principal, would have been determined to be
            extra-ordinary or extra-hazardous, or which Agent knew or could have
            discovered, through the exercise of reasonable diligence, to have
            been based upon a disputed title. The provisions hereunder shall
            apply notwithstanding the fact that the dollar amount of the
            transaction or the risk is less than the Risk Limit set forth in
            Paragraph 7A hereof.

      C.    Alter the printed language of any commitment, policy, endorsement or
            other form furnished by Principal, or commit Principal to any
            particular interpretation of the terms or provisions thereof or
            issue any policy, endorsement or other title assurance which has not
            been approved for use by all required state regulatory agencies and
            by Principal.

      D.    Adjust or otherwise settle or attempt to settle any claim for loss
            for which Principal may become liable or engage counsel to represent
            Principal or the insured.

      E.    Accept service of process on Principal. Agent shall immediately
            notify Principal of any attempted service of process upon Agent for
            Principal. Agent shall also immediately notify Principal of any
            matter that is or may become a claim against Principal of which
            Agent has knowledge.

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      F.    Incur bills or debts chargeable to Principal.

      G.    Commit Principal to a risk with respect to a transaction in which
            Agent, a member of Agent's immediate family, a partner, member or
            shareholder of Agent or a member of the immediate family of a
            partner, member or shareholder of Agent has or will have a legal or
            an equitable interest.

      H.    Handle escrow funds or conduct a Closing, as hereafter defined, of a
            transaction in which Agent, a member of Agent's immediate family, a
            partner, member or shareholder of Agent or a member of the immediate
            family of a partner, member or shareholder of Agent has or will have
            a legal or an equitable interest. The term "Closing" as used in this
            Contract shall mean: the handling and disbursement of settlement
            funds or the providing of settlement services.

      I.    Insure or commit to insure any property for an amount other than the
            fair market value of the estate or interest to be insured or the
            amount of the mortgage or portion thereof and other indebtedness
            secured thereby to be insured.

      J.    Neither Agent nor any Affiliated Attorney of Agent will represent
            any insured as against the interests of Principal. The term
            "Affiliated Attorney" as used herein shall mean any attorney who is
            an employee, associate, member, shareholder, or partner of Agent or
            any law firm that owns any legal or beneficial interest in Agent.

8.    LIABILITY OF AGENT. Agent shall be liable to and agrees to indemnify and
      to save harmless Principal for all attorney's fees, court costs,
      administrative and other expenses and loss or aggregate of losses
      resulting from any one or more of the following:

      A.    Errors or omissions in any commitment, policy, endorsement or other
            title assurance which were disclosed by the application, by the
            abstracting, examination or other work papers or which were known to
            Agent or which, in the exercise of due diligence, should have been
            known to Agent;

      B.    Errors and/or omissions in any commitment, policy, endorsement or
            other title assurance caused by the abstracting or examination of
            title by Agent, Agent's employees, Agent's subcontractors or Agent's
            independent contractors;

      C.    Failure of any title insurance commitment, policy, endorsement or
            other title assurance to correctly reflect the status of title, the
            description of the insured real property or the vesting of title;

      D.    Failure of Agent, its officers and employees to comply with the
            terms of this Contract or with the guidelines, regulations or
            instructions given to Agent by Principal;

      E.    Any improper Closing or attempted Closing by Agent, Agent's
            employees, Agent's subcontractors or Agent's independent
            contractors, including but not limited to:

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            (i)   loss or misapplication of customer funds, documents, or any
                  other thing of value entrusted to Agent in any custodial or
                  fiduciary capacity resulting in loss to Principal;

            (ii)  failure to disburse properly or close in accordance with
                  escrow and/or closing instructions;

            (iii) misappropriation of escrow or closing funds by Agent, its
                  officers, subcontractors or employees;

            (iv)  any loss pursuant to an Insured Closing Letter issued by
                  Principal on behalf of Agent; or

            (v)   failure to disburse immediately available funds.

      F.    Issuance of a commitment, policy, endorsement or other title
            assurance insuring an extra-ordinary risk, extra-hazardous risk, or
            a risk Agent knew or should have known to be based upon a disputed
            title, not approved by Principal in advance of the issuance by Agent
            of documents committing Principal to insure.

      G.    Any act or failure to act by Agent or its employees, officers,
            agents, independent contractors or subcontractors which results in
            allegations of liability with respect to Principal or which results
            in Principal being liable for punitive, contractual or
            extra-contractual damages.

      H.    Assessment of a fine against Principal by the State Department of
            Insurance or the entity which supervises title insurance as a result
            of Agent's violation of any regulations of the State Department of
            Insurance or State laws or regulations applicable to title
            insurance.

      I.    Failure of Agent to timely furnish insured with a title policy which
            Agent is obligated to issue.

      Agent agrees to immediately notify its fidelity bond carrier or errors and
      omissions insurance carrier of any claim for which Agent may be liable to
      Principal.

9.    TERMINATION OF ISSUING AGENCY CONTRACT. Notwithstanding anything to the
      contrary herein, this Contract may be terminated in the event any one of
      the following events of default should occur:

      A.    Agent fails to report policies or remit premiums in accordance with
            the provisions hereof said default continues for the applicable cure
            period;

      B.    Agent materially deviates from the guidelines, instructions or
            escrow accounting standards of Principal furnished to Agent;

      C.    Either party hereto fails to perform any of the other material
            provisions, covenants or conditions of this Contract on its part to
            be performed;

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      D.    A petition under the United States Bankruptcy Code is filed by or
            against either party hereto;

      E.    A supervisor, conservator or receiver is appointed for either party
            hereto or for substantially all of the assets of said party;

      F.    Agent ceases to engage in the abstract and title insurance agency
            business or Agent's license to engage in the abstract and title
            insurance business is revoked or suspended;

      G.    There is a change in the senior management of Agent, and Agent fails
            to secure prior written approval of Principal;

      H.    There is a change of more than 50% of the ownership of the Agent,
            and Agent fails to secure prior written approval of Principal;

      I.    The loss ratio during any calendar year, as herein defined, arising
            from policies issued by Agent, equals or exceeds fifty percent
            (50%); or

      J.    Agent, or any of its partners, shareholders, members or principals
            is convicted of a felony offense, is disbarred or is suspended from
            the practice of law or is determined by administrative proceedings
            or otherwise to have acted in violation of state or federal laws
            governing title insurance or activities related thereto.

      Upon the occurrence of an event of default, the non-defaulting party may
      terminate this Contract, upon the expiration of thirty (30) days from the
      date of written notice of default to the defaulting party and the
      defaulting party's failure to cure. Notwithstanding the foregoing, upon
      the occurrence of an event of default as described in Paragraph 9D or 9E,
      this Contract shall automatically terminate without notice. Upon the
      occurrence of an event of default as described in Paragraph 9B, 9F or 11,
      this Contract may be terminated by Principal immediately upon delivery of
      written notice to Agent.

      Upon expiration or termination of this Contract, Agent shall immediately
      furnish to Principal a true, correct and complete accounting of all
      remittances due hereunder, all orders involving Principal's title
      assurances which have not closed, all orders involving Principal's title
      assurances which have closed but for which no policy has been issued and
      all commitments, policies, endorsements and other title assurances of
      Principal which have been issued but not reported to Principal. Agent
      shall also provide Principal access to all forms and all files relating to
      commitments, policies and other title assurances of Principal. Agent shall
      promptly make an accounting of and deliver to Principal all unused title
      insurance forms, manuals, advertising, promotional materials, other
      supplies exhibiting Principal's name or any variation thereof and all
      other supplies furnished by Principal to Agent, except those which
      Principal authorizes Agent to retain for purposes of completing pending
      transactions.

      If Principal terminates this Contract as provided for herein, Principal
      shall at the same time give notice of the termination to the Missouri
      Insurance Commissioner.

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10.   EXAMINATION OF RECORDS. Agent agrees to provide to Principal access for
      examination purposes at any reasonable time or times to all files, books
      and accounts and other records of Agent relating to the business carried
      on hereunder and relating to the Closing of transactions involving a
      commitment to issue Principal's title assurances. Such right of
      examination may also be exercised after termination of this Contract.

11.   SHORTAGE OF FUNDS. In the event a shortage is revealed or discovered in
      Agent's accounts of funds entrusted to Agent by others or in the
      remittances due Principal hereunder, then Principal may declare
      immediately due and payable any debts owed by Agent, including any funds
      for which Principal may be responsible or have a liability therefor. On
      demand by Principal, Agent shall immediately make good the shortage.

12.   ADVERTISING. Agent agrees that it will not use the tradename, trade mark
      or any variation thereof of Principal or any of its subsidiaries or
      affiliated entities on any of its advertising without the prior written
      approval of Principal.

13.   CLAIMS. If a policy claim is made to Agent, if Agent receives notice of a
      potential claim, or if Agent receives notice of litigation which may
      result in a claim, Agent shall, immediately, by facsimile transmission or
      overnight mail, give notice of same to Principal and shall lend all
      reasonable assistance, without charge to Principal, in investigating,
      adjusting or contesting said claim. Agent is not authorized to act as or
      to provide counsel in connection with said claim; however, Principal may
      seek Agent's assistance in the selection of counsel.

14.   NOTICES. Except as otherwise specifically set forth in this Contract, all
      notices, requests, demands and other communications hereunder shall be in
      writing and shall be deemed to have been duly given when delivered by hand
      or when mailed first class postage prepaid, certified or registered mail,
      return receipt requested:

            If to Principal, to:    Chicago Title Insurance Company
                                    601 Riverside Avenue
                                    Jacksonville, FL 32204
                                    Attn.: Agency Department

            If to Agent, to:        LSI Alabama, LLC.
                                    171 N. Clark St., 8th Floor
                                    Chicago, Illinois 60601

or to such other address or addresses as each of the parties may communicate in
writing to the other.

15.   NON-WAIVER BY PRINCIPAL. The failure of Principal to enforce strictly the
      performance by Agent of any provision of this Contract or to exercise any
      right or remedy following from Agent's breach of any condition herein or
      the acceptance by Principal of any payment, remittance or other
      performance during Agent's failure to perform or during Agent's breach
      shall not be deemed a waiver by Principal of its rights under this
      Contract as written and shall not be construed to be an amendment or
      modification of this Contract as written.

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16.   ENTIRE AGREEMENT; PRIOR AGREEMENTS. This Contract sets forth the entire
      understanding and agreement between the parties hereto with respect to the
      subject matter hereof. No terms, conditions, or warranties, other than
      those contained herein, and no amendments or modifications hereto shall be
      valid unless made in writing and signed by the parties hereto. This
      Contract supersedes all prior understandings of any kind, whether written
      or oral, with respect to the Contract and the subject matter hereof.

17.   ASSIGNMENT; BINDING EFFECT. This Contract is not assignable by Agent
      except upon written consent of Principal, and in any event shall be
      subject to the prior approval of the Missouri Department of Insurance so
      long as Agent and Principal are "affiliates" as defined in section 382.010
      of the Missouri Statutes. This Contract is, however, binding on and inures
      to the benefit of any corporate successor, parent corporation, affiliate
      or wholly owned subsidiary of Principal. The duties and obligations of
      Agent and any signatory or guarantor hereunder shall survive any merger,
      consolidation, dissolution or change in ownership or structure of Agent.

18.   EXCLUSIVITY. Agent shall have no authority and will not undertake to,
      without the prior written consent of Principal, serve as a policy issuing
      agent for, or issue title insurance commitments, policies, endorsements or
      other title assurances relating to real property located in the geographic
      area on behalf of, any person or entity, other than Principal, Fidelity
      National Title Insurance Company, National Title Insurance of New York,
      Inc., or any other title insurance underwriter within the Fidelity
      National Financial, Inc. holding company system.

19.   INVALID PROVISIONS. If any provision of this Contract or the other
      documents contemplated hereby is held to be illegal, invalid, or
      unenforceable under present or future laws, such provisions shall be fully
      severable; the appropriate documents shall be construed and enforced as if
      such illegal, invalid or unenforceable provision had never comprised a
      part hereof or thereto; and the remaining provisions hereof or thereof
      shall remain in full force and effect and shall not be affected by the
      illegal, invalid, or unenforceable provision. There shall be added
      automatically as a part hereof or thereto a provision as similar in terms
      to such illegal, invalid or unenforceable provision as may be possible and
      still be legal, valid and binding.

20.   GOVERNING LAW. This Contract shall be governed by and construed in
      accordance with the laws of the State of California.

21.   ATTORNEY'S FEES; COSTS; VENUE. If a legal action or other proceedings are
      brought for the enforcement of this Contract, or because of any alleged
      dispute, breach, default or misrepresentation in connection with any of
      the provisions of this Contract, the prevailing party shall be entitled to
      recover reasonable attorneys' fees, administrative costs and other costs
      incurred in that action or proceeding in addition to any other relief to
      which it may be entitled. In addition, in the event of a material breach
      by Agent, Principal shall be entitled to recover all costs and loss
      associated with resolving the matter giving rise to said material breach.
      Venue for any such proceeding shall be a location of Principal's choice.

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22.   OTHER AGREEMENTS VOID. It is expressly understood and agreed by and
      between the parties hereto that this Contract sets forth all the promises,
      agreements, conditions and understandings between Principal and Agent with
      respect to this Contract and the subject matter hereof. Pertaining to such
      Contract, there are no promises, agreements, conditions or understandings,
      either oral or written, between them other than as are herein set forth.

23.   CONTRACT. The terms and conditions of this Contract shall apply only to
      Principal named herein and shall not apply to any company now or hereafter
      affiliated with Principal or with Principal's parent, Chicago Title and
      Trust Company.

24.   SIGNATURES IN COUNTERPART. This Contract and any amendments or attachments
      thereto may be executed in one or more counterparts, each of which shall
      be construed together to form one contract.

                            [Signature page follows.]

                                     Page 12

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IN WITNESS WHEREOF, this Contract is executed this 9th day of August, 2004.

AGENT:

LSI Alabama, LLC

By:   /s/ Donald E. Partington
      ----------------------------------------------
      Donald E. Partington
      Senior Vice President and Assistant Secretary

PRINCIPAL:

Chicago Title Insurance Company

By:   /s/ Richard Cox
      ----------------------------------------------
      Richard Cox
      Senior Vice President

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                        RIDER TO ISSUING AGENCY CONTRACT

This Rider to Issuing Agency Contract (hereinafter referred to as "Rider") is
made by and between Chicago Title Insurance Company ("Principal") and LSI
Alabama, LLC ("Agent") in order to amend and modify the terms and provisions of
that certain Issuing Agency Contract dated August 9, 2004 and executed
contemporaneously herewith (the Issuing Agency Contract and this Rider are
hereinafter collectively referred to as the "Contract.")

              RATES, REMITTANCES, AND GENERAL LIABILITY LIMITATION

1.    Attached hereto is the schedule of rates and remittances or manual for the
      area covered by this Contract. Agent shall quote, charge and collect said
      rates for each policy issued. Principal reserves the right to amend this
      schedule, at its discretion.

2.    Principal will quote special rates on request for special or unusual
      situations.

3.    For extraordinary or extra-hazardous risks and for extensions of policy
      coverage, Principal reserves the right to set and determine the charge.

4.    For each commitment, policy and endorsement of Principal issued by Agent
      pursuant to this Contract, Agent shall report and remit twenty percent
      (20%) of the rates set forth in Paragraph number "1" of this Rider. If the
      Loss Percentage during any calendar year, as herein defined, arising from
      policies issued by Agent, equals or exceeds twenty percent (20%), Agent
      and Principal agree to review and adjust, in good faith, the remittance
      rate set forth in this paragraph and the general liability limit set forth
      in the Paragraph numbered "9" of this Rider. For the purposes of this
      paragraph, Loss Percentage shall mean the total losses incurred by
      Principal during a calendar year or portion thereof at the inception of
      this Agreement (including all costs and attorneys' fees paid, net of
      recoupment, plus claim-based reserves set during such period) divided by
      remittances received pursuant to this paragraph during the same calendar
      year or portion thereof at the inception of this Agreement, expressed as a
      percentage.

5.    For charges made pursuant to Paragraphs numbered "2" and "3" of this
      Rider, and orders referred to Agent by Principal, Agent shall remit an
      amount as shall be agreed upon between Principal and Agent.

6.    Where Principal purchases reinsurance or excess coinsurance, a decision
      that rests solely with Principal, the division of the rates as herein
      provided shall be computed on the net amount remaining after deducting the
      costs thereof. Agent shall remit to Principal the cost of such reinsurance
      or coinsurance.

7.    All payments required hereunder shall be directed to Principal as
      hereafter set forth: Remitted premiums, together with any remittance
      report or information required by the Contract, shall be delivered to
      Principal at the following address: Chicago Title Insurance Company, P.O.
      Box 95594, Chicago, IL 60694, Attn: Agency Accounting no later than thirty
      (30) days following the Effective Date, as hereinafter defined, of the
      title assurance. The Effective Date of any title assurance shall be the
      policy date set forth in Schedule A of the title insurance policy.

                                     Page 14

<PAGE>

8.    Compensation. Principal's compensation shall be the amount required to be
      remitted hereunder by Agent. Agent's compensation shall be the rates and
      charges herein required to be collected, less the amount remitted to
      Principal. It is the Parties' mutual understanding and intent to maintain
      an annual weighted average compensation to Principal (and/or its
      affiliates) of twelve percent (12%) of the rates and charges required to
      be collected by Agent and its affiliates on a nationwide basis pursuant to
      all Issuing Agency Agreements in force between the Parties and/or their
      respective affiliates. The Parties hereto agree to assess on an annual
      basis the aggregate compensation of Principal and/or its affiliates under
      all such Issuing Agency Agreements, and to prospectively adjust the
      amounts remitted by Agent under one or more such Agreements in a good
      faith attempt to maintain the desired weighted average on a nationwide
      basis.

                  [Remainder of page intentionally left blank.]

                                     Page 15

<PAGE>

9.    General Liability Limit of Agent: Subject to the provisions of Paragraph
      8, Agent shall be liable for the first portion of any Loss sustained or
      incurred by Principal as a result of the issuance of the Title Assurances
      by Agent in the following amount: $5,000.

Executed this 9th day of August, 2004.

AGENT:                                           PRINCIPAL :
LSI Alabama, LLC                                 Chicago Title Insurance Company

By: /s/ Donald E. Partington                     By: /s/ Richard Cox
    ------------------------                         ---------------
    Donald E. Partington                             Richard Cox
    Senior Vice President                            Senior Vice President
    and Assistant Secretary

                                     Page 16<PAGE>
                                                                   EXHIBIT 10.29

                             ISSUING AGENCY CONTRACT

This Issuing Agency Contract ("Contract") is made and entered into this 8th Day
of February 2005, by and between Chicago Title Insurance Company, a Missouri
corporation ("Principal") and LSI Title Company of Oregon, LLC, an Oregon
Limited Liability Company ("Agent").

In consideration of the promises and the mutual covenants herein and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, Principal and Agent agree as follows:

1.    APPOINTMENT OF AGENT. Principal hereby appoints Agent as a policy issuing
      agent of Principal for the sole purpose of issuing title insurance
      commitments, policies, endorsements and other title assurances approved by
      Principal and by all required regulatory agencies, now in existence or
      hereafter developed, relating to real property located in all counties of
      the State of Oregon ("geographic area") in accordance with the terms of
      this Contract; provided, however that Agent will immediately cease and
      refrain from issuing any policies of Principal in any portion of the
      geographic area in which Principal informs Agent that Principal had, on
      the date indicated above, an exclusive agency agreement with another agent
      or agency. During the term of this Contract, pertaining to the geographic
      area:

      A.    Agent shall issue title insurance commitments, policies and
            endorsements of Principal and any other title insurance company;

      B.    Principal or its affiliates and subsidiaries shall have, and do
            retain, the right to appoint other agents; and

      C.    Principal and its affiliates or subsidiaries shall have, and do
            retain, the right to service directly any customer, and Principal or
            its affiliates or subsidiaries may, without limitation, do any of
            the following:

            (i)   issue directly, from any of its offices, or from any location
                  nationwide, commitments, policies, endorsements, or any other
                  title assurance or evidence, search or real estate information
                  product, or any other product whatsoever, now in existence or
                  hereafter developed (all of the foregoing are hereafter
                  collectively referred to as "Information");

            (ii)  purchase or otherwise obtain from any source any search data
                  or Information.

2.    CONTRACT TERM. The term of this Contract shall be ten (10) years,
      commencing on February 8, 2005; provided however that Agent shall not
      issue any title insurance commitments, policies and endorsements of
      Principal in any county or state in the geographic area until Agent is
      duly licensed to do so by the applicable regulatory body in such state or
      permitted to do so by applicable law or regulation of such state. At any
      time after the initial five (5) years of this Contract, either party may
      give written notice to the other of its election to terminate this
      Contract with such termination to take effect at least five (5) years
      after delivery of the written notice. The term of this Contract shall be

                                     Page 1

<PAGE>

      automatically extended beyond the initial ten (10) year term until (i)
      written notice is provided by either party and (ii) the term of the notice
      (which shall not be less than five (5) years) has expired. Notwithstanding
      the foregoing, either party hereto may terminate this Contract pursuant to
      Paragraph 9 hereof. Notwithstanding anything to the contrary herein, this
      Agreement shall be terminated following ninety (90) days' written request
      for such termination by the Missouri Department of Insurance in the event
      Principal is or has been placed under regulatory supervision.

3.    DUTIES OF PRINCIPAL. Principal shall:

      A.    Furnish Agent forms of commitments, policies, endorsements and other
            forms required for transacting Agent's title insurance business.

      B.    Furnish Agent guidelines and instructions for transacting Agent's
            title insurance business.

      C.    Resolve all risk assumption questions submitted by Agent.

      D.    Arrange for reinsurance where required, to the extent such
            reinsurance is available.

4.    DUTIES OF AGENT. Agent shall:

      A.    Receive and process applications for title insurance in a timely,
            prudent and ethical manner with due regard to recognized title
            insurance underwriting practices and in accordance with Principal's
            bulletins, manuals and other instructions of Principal.

      B.    Base each policy issued on behalf of Principal upon a determination
            of insurability of title that includes

            (i)   a search from earliest public records or in accordance with
                  Principal's written instructions; and

            (ii)  an examination of all documents affecting title to the subject
                  property.

      C.    Supply, at Agent's expense, office space and qualified personnel for
            conducting business pursuant to this Contract by the date of
            execution of this Contract.

      D.    Prepare, preserve and maintain in Agent's possession a separate file
            for each application for title insurance containing all documents
            upon which Agent relied to make its determination of insurability,
            including, but not limited to: affidavits, maps, plats, lien
            waivers, surveys, title reports, searches, examinations, and work
            sheets, together with a copy of each commitment, policy, endorsement
            and other title assurance issued as well as closing statements,
            disbursement worksheets, copies of all checks disbursed and
            receipted, deposit slips, escrow agreements and any other
            instruments or documents executed or created at Closing. Pertaining
            to Agents files:

                                     Page 2

<PAGE>

            (i)   Title thereto shall remain with Agent. Upon termination of
                  this Contract, Agent shall allow Principal to copy, at
                  Principal's cost and expense, Agent's files. Agent hereby
                  grants to Principal the right to enter upon the premises of
                  Agent or other locations where such files are maintained,
                  during business hours, for purposes of recovering possession
                  thereof;

            (ii)  In the event Agent ceases to engage in the title insurance
                  business, title to such files shall vest in Principal, and
                  Agent shall deliver said files to Principal immediately upon
                  termination of this Contract. Agent hereby grants to Principal
                  the right to enter upon the premises of Agent or other
                  locations where such said files are maintained, during
                  business hours, for purposes of recovering possession thereof.

            (iii) In the event Agent sells, transfers or conveys its title
                  insurance operations or any interest therein to a third party,
                  Principal shall have the right to copy such files, and the
                  right to copy shall survive any sale, transfer or encumbrance
                  of Agent's title insurance operations or an interest therein.
                  Agent hereby grants to Principal the right to enter upon the
                  premises of Agent or other locations where said title files
                  are maintained, during business hours, for purposes of making
                  a reproduction thereof.

      E.    Report to Principal, as hereafter set forth, by sending to Principal
            any one of the following:

            (i)   a copy of each policy, endorsement and other title assurance
                  issued by Agent; or

            (ii)  a voucher containing information regarding each policy,
                  endorsement and other title assurance issued by Agent, as
                  instructed by Principal; or

            (iii) information regarding each policy, endorsement and other title
                  assurance issued by Agent, in magnetic or electronic format,
                  as instructed by Principal.

      F.    Maintain a policy register in a form approved by Principal showing
            the disposition of all policies and other pre-numbered forms
            furnished by Principal. Upon request by Principal, Agent shall
            furnish a statement accounting for all such forms and shall return
            all spoiled, obsolete or canceled policies and forms to Principal.
            Agent shall safely maintain and store all forms furnished by
            Principal and hereby assumes liability for loss or damage suffered
            by Principal by reason of Agent's wrongful or negligent use or
            storage of such forms.

      G.    Provide Principal annually copies of annual financial statements of
            the agency and an updated Information Affidavit, such financial
            statements to be kept confidential by Principal.

      H.    Perform such services and render such assistance as Principal may
            reasonably request in connection with any claim or litigation
            arising from a commitment,

                                     Page 3

<PAGE>

            policy, endorsement or other title assurance issued by Agent or by
            Principal on behalf of Agent or on account of any conduct of Agent,
            whether such claim or litigation is instituted during the term of
            this Contract or following termination thereof. In addition, Agent
            shall promptly forward to Principal:

            (i)   all documents received by Agent in which Principal is a party
                  to judicial proceedings;

            (ii)  all written complaints or inquiries made to any regulatory
                  agency regarding transactions involving title insurance
                  policies, endorsements, commitments or other title assurances
                  of Principal;

            (iii) any information alleging a claim involving a policy,
                  commitment, endorsement or other title assurance of Principal
                  or a transaction for which Principal may be liable; and

            (iv)  all original documentation and work papers associated with the
                  transaction or conduct giving rise to any claim or complaint.

      I.    In those instances where Agent closes real estate transactions and
            receives and disburses funds of others, Agent shall

            (a)   maintain said funds safely in accounts fully insured by an
                  agency of the Federal Government and in accordance with
                  applicable state laws;

            (b)   maintain separate from Agent's personal or operating accounts
                  all funds received by Agent from any source in connection with
                  transaction(s) in which Principal's title insurance is
                  involved;

            (c)   disburse such funds only for the purposes for which they were
                  entrusted;

            (d)   maintain an escrow ledger for each title insurance order
                  involving fiduciary funds, which ledger shall separately
                  reflect the escrow activity for each order;

            (e)   maintain a control account showing total fiduciary liability
                  for each escrow bank account; and

            (f)   reconcile monthly the control account and ledger records to
                  the monthly bank statement.

      J.    Comply with all applicable laws and regulations relating to the
            conduct of Agent's business.

      K.    Comply with all bulletins, manuals and other instructions furnished
            to Agent in writing, by facsimile or other electronic transmission
            by Principal. If any reasonable doubt exists with regard to the
            insurability or marketability of title or as to whether a particular
            risk is extra-ordinary or extrahazardous, Agent shall

                                     Page 4

<PAGE>

            contact Principal or Principal's designated underwriting counsel for
            guidance and approval.

      L.    The parties hereto acknowledge that Agent is not an agent of
            Principal for purposes of conducting a Closing, as defined in
            Paragraph 7H hereof; however, because Principal may be subject to
            allegations of liability for acts of Agent with regard to Agent's
            settlement or escrow business, Agent shall cooperate with Principal
            in the performance of audits of Agent's escrow records, accounts and
            procedures. In addition, Agent agrees to provide to Principal,
            within thirty (30) days following receipt, a copy of any audit
            conducted by any accounting firm with respect to Agent's escrow
            records, accounts or procedures.

      M.    Timely furnish the insured with a title insurance policy and other
            title assurances Agent is obligated to issue.

      N.    Maintain in confidence the terms and conditions of this Contract.

      O.    Neither Agent nor any affiliate shall pay any commission for the
            solicitation or negotiation of any services constituting the
            business of title insurance, other than the payment of commissions,
            incentive compensation, or bonuses with respect to full-time
            salaried employees based on any such employees' level of production
            of any services constituting the business of title insurance. If
            Agent or, where applicable, its affiliates makes any such payments
            to full-time salaried employees, Agent or affiliate shall maintain
            adequate records detailing the conditions to receipt of any
            commission, incentive compensation, or bonus, the recipient thereof,
            and the amount paid. No employee of Agent shall, directly or
            indirectly, pay or offer to pay, either directly or indirectly, any
            part of his or her compensation to any prohibited person or entity
            as an inducement for or as compensation for any title insurance
            business or any escrow or other title business.

5.    RATES AND REMITTANCES. Attached hereto and made a part hereof is a
      Schedule of Rates and Remittances or Rider. Agent shall quote, charge and
      collect the Rates set forth therein, as may be amended from time to time
      by Principal, and shall report and remit to Principal premiums as set
      forth therein.

6.    INSURANCE. Agent shall immediately obtain and keep in full force, at
      Agent's expense, during the term of this Contract:

      (i)   Title Insurance Agent's Errors and Omissions Policy with opinion of
            title coverage, with an insurance company acceptable to Principal in
            a sum of not less than $1,000,000 with, if reasonably available, a
            loss payee provision in favor of Principal; and

      (ii)  Fidelity Insurance of $1,000,000 covering all officers, employees,
            shareholders, partners, members and other principals of Agent with a
            loss payee provision in favor of Principal.

                                     Page 5

<PAGE>

      Agent will submit a copy of the policies to Principal within 14 days of
      the effective date of this Contract, and Agent agrees to furnish Principal
      annually with a copy of such policies and any renewals thereof and any
      other evidence that Principal may deem necessary to demonstrate compliance
      with this provision. Agent hereby assigns to Principal, Principal's legal
      representatives and assigns, all sums claims, demands and causes of action
      of whatsoever kind, that Agent may have against Agent's Errors and
      Omissions insurance company and against Agent's Fidelity insurance
      company, in connection with all claims arising out of the actions of
      Agent, its employees, agents, independent contractors and subcontractors
      which fall within the scope of this Paragraph 6 and the Contract hereof.

7.    LIMITATIONS ON AGENT'S AUTHORITY. Agent shall not, without prior written
      approval of Principal:

      A.    Commit Principal to a risk in excess of One Million Five Hundred
            Thousand Dollars ($1,500,000.00). This limit shall include not only
            the commitment, policy, endorsement and/or other title assurance
            immediately being issued, but also risks where

            (i)   Agent knows or has reason to believe that additional title
                  insurance will be ordered covering substantially the same real
                  property; or

            (ii)  the aggregate liability will exceed the referenced limit, such
                  as condominium and time share projects (hereafter referred to
                  as the "Risk Limit").

      B.    Commit Principal to insure a title involving a risk which, if
            disclosed to Principal, would have been determined to be
            extra-ordinary or extra-havardous, or which Agent knew or could have
            discovered, through the exercise of reasonable diligence, to have
            been based upon a disputed title. The provisions hereunder shall
            apply notwithstanding the fact that the dollar amount of the
            transaction or the risk is less than the Risk Limit set forth in
            Paragraph 7A hereof.

      C.    Alter the printed language of any commitment, policy, endorsement or
            other form furnished by Principal, or commit Principal to any
            particular interpretation of the terms or provisions thereof or
            issue any policy, endorsement or other title assurance which has not
            been approved for use by all required state regulatory agencies and
            by Principal.

      D.    Adjust or otherwise settle or attempt to settle any claim for loss
            for which Principal may become liable or engage counsel to represent
            Principal or the insured.

      E.    Accept service of process on Principal. Agent shall immediately
            notify Principal of any attempted service of process upon Agent for
            Principal. Agent shall also immediately notify Principal of any
            matter that is or may become a claim against Principal of which
            Agent has knowledge.

                                     Page 6

<PAGE>

      F.    Incur bills or debts chargeable to Principal.

      G.    Commit Principal to a risk with respect to a transaction in which
            Agent, a member of Agent's immediate family, a partner, member or
            shareholder of Agent or a member of the immediate family of a
            partner, member or shareholder of Agent has or will have a legal or
            an equitable interest.

      H.    Handle escrow funds or conduct a Closing, as hereafter defined, of a
            transaction in which Agent, a member of Agent's immediate family, a
            partner, member or shareholder of Agent or a member of the immediate
            family of a partner, member or shareholder of Agent has or will have
            a legal or an equitable interest. The term "Closing" as used in this
            Contract shall mean: the handling and disbursement of settlement
            funds or the providing of settlement services.

      I.    Insure or commit to insure any property for an amount other than the
            fair market value of the estate or interest to be insured or the
            amount of the mortgage or portion thereof and other indebtedness
            secured thereby to be insured.

      J.    Neither Agent nor any Affiliated Attorney of Agent will represent
            any insured as against the interests of Principal. The term
            "Affiliated Attorney" as used herein shall mean any attorney who is
            an employee, associate, member, shareholder, or partner of Agent or
            any law firm that owns any legal or beneficial interest in Agent.

8.    LIABILITY OF AGENT. Agent shall be liable to and agrees to indemnify and
      to save harmless Principal for all attorney's fees, court costs,
      administrative and other expenses and loss or aggregate of losses
      resulting from any one or more of the following:

      A.    Errors or omissions in any commitment, policy, endorsement or other
            title assurance which were disclosed by the application, by the
            abstracting, examination or other work papers or which were known to
            Agent or which, in the exercise of due diligence, should have been
            known to Agent;

      B.    Errors and/or omissions in any commitment, policy, endorsement or
            other title assurance caused by the abstracting or examination of
            title by Agent, Agent's employees, Agent's subcontractors or Agent's
            independent contractors;

      C.    Failure of any title insurance commitment, policy, endorsement or
            other title assurance to correctly reflect the status of title, the
            description of the insured real property or the vesting of title;

      D.    Failure of Agent, its officers and employees to comply with the
            terms of this Contract or with the guidelines, regulations or
            instructions given to Agent by Principal;

      E.    Any improper Closing or attempted Closing by Agent, Agent's
            employees, Agent's subcontractors or Agent's independent
            contractors, including but not limited to:

                                     Page 7

<PAGE>

            (i)   loss or misapplication of customer funds, documents, or any
                  other thing of value entrusted to Agent in any custodial or
                  fiduciary capacity resulting in loss to Principal;

            (ii)  failure to disburse properly or close in accordance with
                  escrow and/or closing instructions;

            (iii) misappropriation of escrow or closing funds by Agent, its
                  officers, subcontractors or employees;

            (iv)  any loss pursuant to an Insured Closing Letter issued by
                  Principal on behalf of Agent; or

            (v)   failure to disburse immediately available funds.

      F.    Issuance of a commitment, policy, endorsement or other title
            assurance insuring an extra-ordinary risk, extra-hazardous risk, or
            a risk Agent knew or should have know to be based upon a disputed
            title, not approved by Principal in advance of the issuance by Agent
            of documents committing Principal to insure.

      G.    Any act or failure to act by Agent or its employees, officers,
            agents, independent contractors or subcontractors which results in
            allegations of liability with respect to Principal or which results
            in Principal being liable for punitive, contractual or
            extra-contractual damages.

      H.    Assessment of a fine against Principal by the State Department of
            Insurance or the entity which supervises title insurance as a result
            of Agent's violation of any regulations of the State Department of
            Insurance or State laws or regulations applicable to title
            insurance.

      I.    Failure of Agent to timely furnish insured with a title policy which
            Agent is obligated to issue.

      Agent agrees to immediately notify its fidelity bond carrier or errors and
      omissions insurance carrier of any claim for which Agent may be liable to
      Principal.

9.    TERMINATION OF ISSUING AGENCY CONTRACT. Notwithstanding anything the
      contrary herein, this Contract may be terminated in the event any one of
      the following events of default should occur:

      A.    Agent fails to report policies or remit premiums in accordance with
            the provisions hereof said default continues for the applicable cure
            period;

      B.    Agent materially deviates from the guidelines, instructions or
            escrow accounting standards of Principal furnished to Agent;

      C.    Either party hereto fails to perform any of the other material
            provisions, covenants or conditions of this Contract on its part to
            be performed;

                                     Page 8

<PAGE>

      D.    A petition under the United States Bankruptcy Code is filed by or
            against either party hereto;

      E.    A supervisor, conservator or receiver is appointed for either party
            hereto or for substantially all of the assets of said party;

      F.    Agent ceases to engage in the abstract and title insurance agency
            business or Agent's license to engage in the abstract and title
            insurance business is revoked or suspended;

      G.    There is a change in the senior management of Agent, and Agent fails
            to secure prior written approval of Principal;

      H.    There is a change of more than 50% of the ownership of the Agent,
            and Agent fails to secure prior written approval of Principal;

      I.    The loss ratio during any calendar year, as herein defined, arising
            from policies issued by Agent, equals or exceeds fifty percent
            (50%); or

      J.    Agent, or any of its partners, shareholders, members or principals
            is convicted of a felony offense, is disbarred or is suspended from
            the practice of law or is determined by administrative proceedings
            or otherwise to have acted in violation of state or federal laws
            governing title insurance or activities related thereto.

Upon the occurrence of an event of default, the non-defaulting party may
terminate this Contract, upon the expiration of thirty (30) days from the date
of written notice of default to the defaulting party and the defaulting party's
failure to cure. Notwithstanding the foregoing, upon the occurrence of an event
of default as described in Paragraph 9D or 9E, this Contract shall automatically
terminate without notice. Upon the occurrence of an event of default as
described in Paragraph 9B, 9F or 11, this Contract may be terminated by
Principal inunediately upon delivery of written notice to Agent.

Upon expiration or termination of this Contract, Agent shall immediately furnish
to Principal a true, correct and complete accounting of all remittances due
hereunder, all orders involving Principal's title assurances which have not
closed, all orders involving Principal's title assurances which have closed but
for which no policy has been issued and all commitments, policies, endorsements
and other title assurances of Principal which have been issued but not reported
to Principal. Agent shall also provide Principal access to all forms and all
files relating to commitments, policies and other title assurances of Principal.
Agent shall promptly make an accounting of and deliver to Principal all unused
title insurance forms, manuals, advertising, promotional materials, other
supplies exhibiting Principal's name or any variation thereof and all other
supplies furnished by Principal to Agent, except those which Principal
authorizes Agent to retain for purposes of completing pending transactions.

If Principal terminates this Contract as provided for herein, Principal shall at
the same time give notice of the termination to the Missouri Insurance
Commissioner.

                                     Page 9

<PAGE>

10.   EXAMINATION OF RECORDS. Agent agrees to provide to Principal access for
      examination purposes at any reasonable time or times to all files, books
      and accounts and other records of Agent relating to the business carried
      on hereunder and relating to the Closing of transactions involving a
      commitment to issue Principal's title assurances. Such right of
      examination may also be exercised after termination of this Contract.

11.   SHORTAGE OF FUNDS. In the event a shortage is revealed or discovered in
      Agent's accounts of funds entrusted to Agent by others or in the
      remittances due Principal hereunder, then Principal may declare
      immediately due and payable any debts owed by Agent, including any funds
      for which Principal may be responsible or have a liability therefor. On
      demand by Principal, Agent shall immediately make good the shortage.

12.   ADVERTISING. Agent agrees that it will not use the tradename, trade mark
      or any variation thereof of Principal or any of its subsidiaries or
      affiliated entities on any of its advertising without the prior written
      approval of Principal.

13.   CLAIMS. If a policy claim is made to Agent, if Agent receives notice of a
      potential claim, or if Agent receives notice of litigation which may
      result in a claim, Agent shall, immediately, by facsimile transmission or
      overnight mail, give notice of same to Principal and shall lend all
      reasonable assistance, without charge to Principal, in investigating,
      adjusting or contesting said claim. Agent is not authorized to act as or
      to provide counsel in connection with said claim; however, Principal may
      seek Agent's assistance in the selection of counsel.

14.   NOTICES. Except as otherwise specifically set forth in this Contract, all
      notices, requests, demands and other communications hereunder shall be in
      writing and shall be deemed to have been duly given when delivered by hand
      or when mailed first class postage prepaid, certified or registered mail,
      return receipt requested:

      If to Principal, to:    Chicago Title Insurance Company
                              601 Riverside Avenue
                              Jacksonville, FL 32204
                              Attn.: Agency Department

      If to Agent, to:        LSI Title Company of Oregon, LLC.
                              171 N. Clark St., 8th Floor
                              Chicago, Illinois 60601

      or to such other address or addresses as each of the parties may
      communicate in writing to the other.

15.   NON-WAIVER BY PRINCIPAL. The failure of Principal to enforce strictly the
      performance by Agent of any provision of this Contract or to exercise any
      right or remedy following from Agent's breach of any condition herein or
      the acceptance by Principal of any payment, remittance or other
      performance during Agent's failure to perform or during Agent's breach
      shall not be deemed a waiver by Principal of its rights

                                    Page 10

<PAGE>

      under this Contract as written and shall not be construed to be an
      amendment or modification of this Contract as written.

16.   ENTIRE AGREEMENT; PRIOR AGREEMENTS. This Contract sets forth the entire
      understanding and agreement between the parties hereto with respect to the
      subject matter hereof. No terms, conditions, or warranties, other than
      those contained herein, and no amendments or modifications hereto shall be
      valid unless made in writing and signed by the parties hereto. This
      Contract supersedes all prior understandings of any kind, whether written
      or oral, with respect to the Contract and the subject matter hereof.

17.   ASSIGNMENT; BINDING EFFECT. This Contract is not assignable by Agent
      except upon written consent of Principal, and in any event shall be
      subject to the prior approval of the Missouri Department of Insurance so
      long as Agent and Principal are "affiliates" as defined in section 382.010
      of the Missouri Statutes. This Contract is, however, binding on and inures
      to the benefit of any corporate successor, parent corporation, affiliate
      or wholly owned subsidiary of Principal. The duties and obligations of
      Agent and any signatory or guarantor hereunder shall survive any merger,
      consolidation, dissolution or change in ownership or structure of Agent.

18.   EXCLUSIVITY. Agent shall have no authority and will not undertake to,
      without the prior written consent of Principal, serve as a policy issuing
      agent for, or issue title insurance commitments, policies, endorsements or
      other title assurances relating to real property located in the geographic
      area on behalf of, any person or entity, other than Principal, Fidelity
      National Title Insurance Company, National Title Insurance of New York,
      Inc., or any other title insurance underwriter within the Fidelity
      National Financial, Inc. holding company system.

19.   INVALID PROVISIONS. If any provision of this Contract or the other
      documents contemplated hereby is held to be illegal, invalid, or
      unenforceable under present or future laws, such provisions shall be fully
      severable; the appropriate documents shall be construed and enforced as if
      such illegal, invalid or unenforceable provision had never comprised a
      part hereof or thereto; and the remaining provisions hereof or thereof
      shall remain in full force and effect and shall not be affected by the
      illegal, invalid, or unenforceable provision. There shall be added
      automatically as a part hereof or thereto a provision as similar in terms
      to such illegal, invalid or unenforceable provision as may be possible and
      still be legal, valid and binding.

20.   GOVERNING LAW. This Contract shall be governed by and construed in
      accordance with the laws of the State of Missouri.

21.   ATTORNEY'S FEES. COSTS. VENUE. If a legal action or other proceedings are
      brought for the enforcement of this Contract, or because of any alleged
      dispute, breach, default or misrepresentation in connection with any of
      the provisions of this Contract, the prevailing party shall be entitled to
      recover reasonable attorneys' fees, administrative costs and other costs
      incurred in that action or proceeding in addition to any other relief to
      which it may be entitled. In addition, in the event of a material breach
      by Agent, Principal shall be entitled to recover all costs and loss
      associated with resolving the

                                    Page 11

<PAGE>

      matter giving rise to said material breach. Venue for any such proceeding
      shall be a location of Principal's choice.

22.   OTHER AGREEMENTS VOID. It is expressly understood and agreed by and
      between the parties hereto that this Contract sets forth all the promises,
      agreements, conditions and understandings between Principal and Agent with
      respect to this Contract and the subject matter hereof. Pertaining to such
      Contract, there are no promises, agreements, conditions or understandings,
      either oral or written, between them other than as are herein set forth.

23.   CONTRACT. The terms and conditions of this Contract shall apply only to
      Principal named herein and shall not apply to any company now or hereafter
      affiliated with Principal or with Principal's parent Chicago Title and
      Trust Company.

24.   SIGNATURES IN COUNTERPART. This Contract and any amendments or attachments
      thereto may be executed in one or more counterparts, each of which shall
      be construed together to form one contract.

                            [Signature page follows.]

                                    Page 12

<PAGE>

IN WITNESS WHEREOF, this Contract is executed this 8th day of February, 2005.

AGENT:

LSI Title Company of Oregon, LLC

By: /s/ Donald E. Partington
    ---------------------------------------------
    Donald E. Partington
    Senior Vice President and Assistant Secretary

PRINCIPAL:

Chicago Title Insurance Company

By: /s/ Richard Cox
    ---------------------------------------------
    Richard Cox
    Senior Vice President

                                    Page 13

<PAGE>

                        RIDER TO ISSUING AGENCY CONTRACT

This Rider to Issuing Agency Contract (hereinafter referred to as "Rider") is
made by and between Chicago Title Insurance Company ("Principal") and LSI Title
Company of Oregon, LLC ("Agent") in order to amend and modify the terms and
provisions of that certain Issuing Agency Contract dated February 8, 2005 and
executed contemporaneously herewith (the Issuing Agency Contract and this Rider
are hereinafter collectively referred to as the "Contract.")

              RATES, REMITTANCES, AND GENERAL LIABILITY LIMITATION

1.    Attached hereto is the schedule of rates and remittances or manual for the
      area covered by this Contract. Agent shall quote, charge and collect said
      rates for each policy issued. Principal reserves the right to amend this
      schedule, at its discretion.

2.    Principal will quote special rates on request for special or unusual
      situations.

3.    For extraordinary or extra-hazardous risks and for extensions of policy
      coverage, Principal reserves the right to set and determine the charge.

4.    For each commitment, policy and endorsement of Principal issued by Agent
      pursuant to this Contract, Agent shall report and remit nine percent (9%)
      of the rates set forth in Paragraph number "1" of this Rider. If the Loss
      Percentage during any calendar year, as herein defined, arising from
      policies issued by Agent, equals or exceeds twenty percent (20%), Agent
      and Principal agree to review and adjust, in good faith, the remittance
      rate set forth in this paragraph and the general liability limit set forth
      in the Paragraph numbered "9" of this Rider. For the purposes of this
      paragraph, Loss Percentage shall mean the total losses incurred by
      Principal during a calendar year or portion thereof at the inception of
      this Agreement (including all costs and attorneys' fees paid, net of
      recoupment, plus claim-based reserves set during such period) divided by
      remittances received pursuant to this paragraph during the same calendar
      year or portion thereof at the inception of this Agreement, expressed as a
      percentage.

5.    For charges made pursuant to Paragraphs numbered "2" and "3" of this
      Rider, and orders referred to Agent by Principal, Agent shall remit an
      amount as shall be agreed upon between Principal and Agent.

6.    Where Principal purchases reinsurance or excess coinsurance, a decision
      that rests solely with Principal, the division of the rates as herein
      provided shall be computed on the net amount remaining after deducting the
      costs thereof. Agent shall remit to Principal the cost of such reinsurance
      or coinsurance.

7.    All payments required hereunder shall be directed to Principal as
      hereafter set forth: Remitted premiums, together with any remittance
      report or information required by the Contract, shall be delivered to
      Principal at the following address: Chicago Title Insurance Company, P.O.
      Box 95594, Chicago, IL 60694, Attn: Agency Accounting no later than thirty
      (30) days following the Effective Date, as hereinafter defined, of the
      title assurance. The Effective Date of any title assurance shall be the
      policy date set forth in Schedule A of the title insurance policy.

                                    Page 14

<PAGE>

8.    Compensation. Principal's compensation shall be the amount required to be
      remitted hereunder by Agent. Agent's compensation shall be the rates and
      charges herein required to be collected, less the amount remitted to
      Principal. It is the Parties' mutual understanding and intent to maintain
      an annual weighted average compensation to Principal (and/or its
      affiliates) of twelve percent (12%) of the rates and charges required to
      be collected by Agent and its affiliates on a nationwide basis pursuant to
      all Issuing Agency Agreements in force between the Parties and/or their
      respective affiliates. The Parties hereto agree to assess on an annual
      basis the aggregate compensation of Principal and/or its affiliates under
      all such Issuing Agency Agreements, and to prospectively adjust the
      amounts remitted by Agent under one or more such Agreements in a good
      faith attempt to maintain the desired weighted average on a nationwide
      basis.

9.    General Liability Limit of Agent: Subject to the provisions of Paragraph
      8, Agent shall be liable for the first portion of any Loss sustained or
      incurred by Principal as a result of the issuance of the Title Assurances
      by Agent in the following amount: $5,000.

Executed this 8th day of February, 2005.

AGENT:                                           PRINCIPAL

LSI Title Company of Oregon, LLC                 Chicago Title Insurance Company

By: /s/ Donald E. Partington                     By: /s/ Richard Cox
    ----------------------------                     ---------------------------
    Donald E. Partington                             Richard Cox
    Senior Vice President and                        Senior Vice President
    Assistant Secretary

                                    Page 15

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