ITLE EWS

SEPTEMBER, 1965 PRESIDENT'S MESSAGE

September, 1965

Dear Friends in the Title Profession: Underlying the apparent quiet of this "long hot summer," there has been a gratifying volume of constructive activity among the ALTA officers, the staff, and the various committee members. It has been my pleasure to attend many conventions of affiliated state title associations. In addition, Vice President, Don B. Nichols, and Section Chair­ men, George Garber and Al Robin, have represented the Association at many state meetings. So has Jim Robinson. Bill McAuliffe has thrown himself into the work of the national office with enthusiasm. Already he is grappling with industry problems. You have r eceived his first Washington report, "Capital Comment," and he has asked me to urge each of you to write him offering suggestions regarding ways in which he may be helpful. The response to the survey on Errors and Omissions Insurance Coverage prepared by George Harbert's committee has been splendid. ALT A members have also received copies of the proposed Certified Land Title­ Searcher Institute Constitution and By-Laws, distributed for Tom McDonald's committee; and copies of the Proposed Model Commitment form disseminated on behalf of the Standard Forms Sub-Committee, headed by John Mills. Listing forms have been mailed to all members, and work on the 1966 Directory is proceeding according to schedule. ALTA's public relations program continues to show results, with letters pouring into the national office and press coverage being achieved in newspapers and magazines in many parts of the country. All of these activities will be reported more fully at the Annual Convention in Chicago. Plans for the Convention are shaping up nicely under the Chairmanship of Al Long. The Ice Breaker Reception, Sunday, October 3, will be sponsored by titlemen and women from Illinois, Indiana, Iowa, Missouri, Michigan, and Wisconsin. The local committees are working vigorously to assure your comfort and entertainment. If you haven't already sent your convention registration to the National Office. I urge you to do so now. Sincerely, Joseph S. Knapp, Jr. TITLE NEWS 'l'HE OFFICIAL PUBLICATION OF THE AMERICAN LAND TITLE ASSOCIATION

EDITORIAL OFFICE: Premier Bldg., 1725 Eye St., N.W., Washingt>on, D.C. 20006 296-3671

FEATURES Missouri vs. Kentucky 2 The Effect of Death or Incompetency 4 ALTA Ladies Will Love Chicago 6 Urban Renewal Expert To Address Titlemen 7 Commerce and Industry Chief to Welcome ALTA Delegates 8 Noted Speaker Confirmed for Convention 9 McAuliffe Introduced to Washington 10 Regional Public Relations Meeting in Florida 12

DEPARTMENTS President's Message Inside front cover Letters 13 State Association Corner Texas 14 Idaho 17 New York 18 From the Federal Register 20 In the News 21 In Memoriam Inside back cover Meeting Timetable Inside back cover

VOLUME XLIV TITLE NEWS, SEPTEMBER, 1965

ON THE COVER: The cover of this issue of Title News is NUMBER 9 guaranteed to dispel any doubt that the recaption afforded Na­ bional Pr s ident, Joseph S. Knapp, Jr., by t he Texas titlemen 1965 who attended the Texas Convention in El Paso was warm and friendly. It is apparent that President Knapp responded in kind.

JAMES W. ROBINSON, Editor FRANK H. EBERSOLE, Assistant Editor and Manager of Advertising Page 1 MISSOURI vs. KENTUCKY

id you ever travel by boat to souri vs. State of Kentucky, 11 D vote? Probably not, but if Wall (U.S. ) 395), handed down you live on Wolf Island, Kentucky, eleven years later in 1870, held you do every year. It is a unique that the treaty between France, piece of real estate, now rather Spain, and England, in February firmly attached to Missouri but 1763, stipulated that the middle of still a part of Kentucky. It has an the River Mississippi should be interesting history. the boundary between the British In 1859 the State of Missouri and the French territories on the brought her original bill against continent of North America. And the State of Kentucky in the this line has remained ever since Supreme Court of the United as they settled it. It was recog­ States to establish by a court de­ nized by the treaty of peace with cree the boundary between the Great Britain of 1783 and by dif­ two states and to determine spe­ ferent treaties since then, the cifically the ownership of Wolf last of which resulted in the ac­ Island, which is located in the quisition of the territory of Lou­ Mississippi River about 20 miles isiana by the United States in below the mouth of the Ohio. 1803. Kentucky succeeded in 1792 The Supreme Court in a well to the ancient right and posses­ considered opinion, (State of Mis- sion of Virginia which extended,

Page 2 by virtue of these treaties, to the the island that there was plenty of middle of the bed of the Mis­ water in the Missouri channel. sissippi River. The Supreme Court The Court finally adjudged that said: Wolf Island was a part of Ken­ "It follows, therefor, that if tucky and that the main channel Wolf Island, in 1763, or in 1820, of the river had gradually changed or at these dates, was east of this but at the time of the treaty the line, the jurisdiction of Kentucky middle of the River was west of rightfully attached to it. If the Wolf Island. river has subsequently turned its Since the decision in 1870 the course, and now runs east of the channel has changed more and island, the status of the parties Wolf Island, though a part of to this controversy is not altered Hickman County, Kentucky, is en­ by it, for the channel which the tirely cut off from the rest of river abandoned remains, as be­ Kentucky by the main body of the fore, the boundary between the Mississippi River. Its inhabitants States and the island does not, in must go by Ferry Boat to reach consequence of this action of the the polls in Columbus, Kentucky, water, change its owner." in order to vote. Water still stands The Court then went into a in what is called the "Chute" be­ lengthy discussion of the proof tween the Island and Missouri. presented by both parties and de­ However, the "Chute" is crossed cided that maps made by early ex­ by automobiles when the water is plorers, being but hearsay evi­ low and the weather dry. Folks dence, should not control over tes­ take the ferry from Columbus, timony of old residents of the Kentucky, to Missouri and then area. The Court took into consid­ in those dry summers can drive eration the character of the soil their cars across the "Chute" and trees of the island as com­ which used to be the main channel pared with the soil and trees of of the Mississippi River. Missouri and Kentucky respec­ The ancient treaty of 1763 thus tively and the natural changes pro­ still affects the ever shifting wa­ duced by the physics and hydraul­ ters of the Mississippi River and ics of the river. The proof gener­ in time its eastward movement ally showed that the main channel may deposit more and more soil of the Mississippi used to be West onto Wolf Island until we have a of Wolf Island and that Wolf Is­ very large part of Kentucky lying land probably once was connected West of the Mississippi River sep­ by land to the main Kentucky arating Missouri from the waters shore and the River had gradually of its original River boundary. changed its course and widened the gap between the Island and By JOHN S. OSBORN, Jr., Kentucky. Indeed one old settler Senior Vice President and testified that in early times he General Counsel, Louisville had walked from the Kentucky Title Insurance Company, side to the Island nearly all the Louisville, Kentucky. way on dry land and the residue Reprinted from the on driftwood and noticed while on "Missouri Titlegram."

Page 3 WHAT IS THE EFFECT OF DEATH OR INCOMPETENCY ON AN ESCROW?

BY HAROLD J. HURLEY, ASSOCIATE COUNSEL TITLE INSURANCE AND TRUST COMP ANY

HIS question has often been pends upon whether a true escrow T presented to our law division. exists. The general rule may be stated The term escrow is generally ap­ thusly: "When a true escrow has plied indiscriminately to most real been created, it is not revoked by estate transactions to effect a con­ the death or incapacity of either current exchange of money and in­ party thereto during the time fixed struments through the medium of a for performance. If the party en­ stakeholder. titled to the benefits of the instru­ Therefore, it is necessary to de­ ment deposited with the escrow termine in each factual situation holder fully performs within the the nature and legal effect of the time limit specified in the escrow "escrow" involved. instructions he is entitled to receive I delivery of said instrument from A true escrow is one based upon the escrow holder." a valid contract for the sale of real The application of this rule de- property. If the escrow instruc-

Page 4 tions contain all of the elements seller deposits a deed with an es­ of such a contract, then a separate crow holder under instructions to instrument is not necessary. The deliver the deed to the buyer upon seller must also deposit a deed to the payment of the purchase price the property in question with the and the escrow is not supported by a escrow holder for delivery to the valid contract of sale. The seller purchaser within a specified time dies or becomes incompetent before upon the payment of the purchase the buyer pays the purchase price. price and performance of other con­ It has been held under these cir­ ditions. cumstances that the relationship Under this type of escrow, if the between the seller and the escrow seller dies prior to the expiration holder is that of principal and of the time prescribed for perform­ agent. Under C. C. 2355, an agency ance by the purchaser, and if the is terminated by death or inca­ purchaser fully performs within the pacity of the principal. It has also time limit, he is entitled to the de­ been held that this was merely livery of said deed as a matter of an offer revocable at any time be­ law. fore the purchase price was paid, As a practical matter, however, and that it was not a true escrow. probate proceedings may be re­ III quired for such purposes as obtain­ Escrow Without Deposit-In a ing the necessary inheritance re­ situation where buyer and seller lease, having a qualified person to execute escrow instructions which whom the escrow holder may safely pay the purchase money, or the es­ constitute a full and complete valid crow holder may not desire to sit contract, but no deed is deposited in judgment as to whether the pur­ with the escrow holder at that time, chaser has fully performed all of unless and until the deed is de­ the conditions, other than the pay­ posited, this is not a true escrow. ment of money, within the time If the seller dies, the buyer's means specified. Also a title insurer of obtaining title upon the per­ usually requires a Probate Code formance of the contract by him is Section 850 order before it will in­ by way of a deed from the repre­ sure title in the purchaser. sentative of the deceased seller's II estate made pursuant to an order of Deposit Escrow-Where the the probate court.

Page 5 ALTA LADIES

WILL LOVE

CHICAGO

TIPS ON WHAT TO WEAR FROM THE CHAIRMAN OF THE LADIES' HOSPITALITY A U T U M in Chicago is our find world-famous Marshall Field & fl nicest season. How fortunate Company and many other wonder­ we are to have all of you ALT A ful stores. ladies to enjoy it with us in Oc­ Our hospitality suite will be open tober! The days are usually sunny every day in the Tropical Room of and crisp with cooler evenings. Lake the Sheraton-Chicago for coffee and Michigan is Chicago's "air condi­ rolls. We hope you will join us tioner", and a breeze from the Lake each day as we are planning many can make the Loop area much cooler things to entertain you. than the suburbs. A warm coat or The ladies luncheon will be in the stole is a must for the evenings. Guildhall of the Ambassador West For daytime wear, we suggest you Hotel-once again, a short cab ride. bring several dark cottons or light Plans can be made for trips weight dresses, a suit or knits ... through Old Town, Marina City, and you'll be prepared for any range museums, and the Merchandise in temperature. Mart. We do not want any of you to leave Chicago feeling you have Headquarters for our convention missed the highlights of our city. is the Sheraton-Chicago Hotel lo­ It will be our pleasure to show them cated on North Michigan Avenue i11 to you. the heart of exciting shopping. A short cab ride will put you on "State Cordially, Street-that Great Street"-so pub­ Kit Long licized in the song. Here you will (Mrs. Alvin W. )

Page 6 URBAN RENEWAL EXPERT TO ADDRESS TITLEMEN

AT THE meeting of the Title In­ number of foreclosed properties and .1-\. surance Section, Tuesday, Oc­ as economic conditions improved in­ tober 5, Convention delegates will itiated a program of large scale be treated to a well rounded dis­ housing construction and residential cussion of all facets of community mortgage financing. development and urban renewal. To Mr. Muller has for some years di­ handle the second phase of this rected the continuing work of plan­ important subject is John H. Mul­ ning and constructing Equitable's ler, Senior Vice President of The Gateway Center in Pittsburgh Equitable Life Assurance Society which has come to be known as "the of the U.S. most ambitious municipal face lift­ Mr. Muller was grad u ate d ing job in America." He has become from Stevens Institute of Technol­ an authority in the field of real ogy with the degree of Mechanical estate planning, financing, construc­ Engineer and recently was hon­ tion and management and is a mem­ ored with the degree of Doctor of ber of many committees and Boards Engineering. of Directors in these related fields. Mr. Muller joined the Equitable Life Assurance Society in 1937 hav­ Mr. Muller is Vice Chairman of ing become interested in real es­ the Board of Trustees of Stevens tate management and financing. He Institute of Technology and Chair­ directed the liquidation of a vast man of its Executive Committee; JOHN H. MULLER Director and Member of the Ex­ ecutive Committee of the Lafayette National Bank of Brooklyn; Trus­ tee of Central Savings Bank; Di­ rector and Member of the Execu­ tive Committee of Home Title Di­ vision of Chicago Title Insurance Company; President, Director and Member of Executive Committee of the ACTION Council For Better Cities; President of the Avenue of the Americas Association; Vice President and Director of West Side Association of Commerce; Di­ rector of Broadway Association; Director of Owners Division and Member of Education Committee of the Real Estate Board of New York; and active in many other ci vie organizations.

Page 7 COMMERCE AND INDUSTRY CHIEF TO WELCOME ALTA DELEGATES

HE City's official greeting to T ALTA members attending the 59th Annual Convention in Chicago will be extended by a distinguished THOMAS H. COULTER executive. and for the next twenty years he Since January, 1954, Thomas H. was engaged with Chicago enter­ Coulter has coordinated the civic prises in manufacturing and con­ efforts of more tban ten thousand sulting before assuming his pres­ Chicago business executives and ent responsibility. professional men who comprise the Mr. Coulter is active as a civic largest metropolitan Chamber of leader. In addition to his many As­ Commerce in America. As Chief sociation responsibilities, he is a Executive Officer of the Chicago Director of numerous organizations, Association of Commerce and In­ including the Chicago Crime Com­ dustry, he directs an association of mission, Chicago Council on For­ business leaders who operate Amer­ eign Relations and the National Ex­ ica's most diversified manufactur­ port Expansion Council; a Trustee ing complex, and most extensive of Presbyterian-St. Luke's Hospital transportation and distribution fa­ and Skokie Valley Community Hos­ cilities in the world. pital. Born in Winnipeg, Canada, in In 1956 he was a member of a 1911 (now an American citizen) , Management Seminar Team sent to he was graduated from Carnegie the Middle East under the sponsor­ Institute of Technology in 1933. ship of the International Coopera­ Further studies earned for him the tion Administration. In 1958 he Master's Degree in Economics and served in a similar capacity in a Business from the University of Top Management Seminar Team Chicago in 1935. sent to Japan. In recent years he Mr. Coulter's background has has been very active in promoting been largely in business as an ex­ exports from the U.S.A. and devel­ ecutive and a management consul­ oping new foreign trade opportuni­ tant. He has traveled extensively, ties for Chicago and Mid-American built and operated plants in Aus­ business. tralia and the Far East, and has Mr. Coulter is married, the father broad experience in world trade. of four children, and resides in the His business career began in 1935 Village of Golf, a Chicago suburb.

Page 8 Noted Speaker Confirmed For Convention

Navy in the Pacific Theatre- finish­ ing his sea duty at Iwo Jima. He has spoken in nearly every tate in the union as well as in Canada, Scotland, Ireland, and Eng­ land. These wide contacts have given him an unusual understand­ ing of people-an understanding reflected in the success of his talks. Mr. McFaul is the man about whom Dale Carnegie has said, "In EDWARD McFAUL my opinion, Edward McFaul is a OME speakers have the enviable superb speaker-one of the finest S capacity to drive home an im­ on the American platform." portant truth in such a manner as Among his clients, Mr. McFaul to be both profound and entertain­ proudly points to a list that reads ing. Such a speaker is Ed McFaul, like Standard and Poor's. the "serious humorist," who will address the Abstracters Section Mr. McFaul's subject will be, meeting, Tuesday morning, Octo­ "How To Keep Your Foot Out Of ber 5, at the Sheraton-Chicago Ho­ Your Mouth." tel. Edward McFaul was born in Wis­ consin. His father and grandfather POSTER REPRODUCTIONS were prominent in the lumber in­ dustry of that state. For the past OF AL TA ADVERTISEMENTS thirty years, McFaul has been ac­ tive in the fields of Personnel Man­ APPEARING IN TH E agement, selling and University teaching. SATURDAY EVENING He received his Master of Arts degree from the University of Mich­ POST igan and continued his formal train­ ing at the Harvard School of Busi­ ness Administration and the Uni­ $1.25 EACH versity of Edinburgh, Scotland. He taught for several years at North­ Order a Supply western and DePaul Universities. During World War II McFaul TODAY served four years with the U.S.

Page 9 LUNCHEON GUESTS DISCUSS INDUSTRY PROBLEMS

ALTA staff girls, Lynn Dennard (left) and Carol Ann Herbert provide glam· BILL McAULIFFE (left) HAS A SE­ our at the luncheon. RIOUS TALK WITH PHILIP N. BROWNSTEIN (center) AND CHARLES STEWART. A LTA's newly appointed Execu­ J-\.. tive Vice President, William J. McAuliffe, Jr., assumed his duties as chief staff officer of the Amer­ ican Land Title Association July 1, 1965. On July 22 McAuliffe was the guest of honor at a luncheon at the Mayflower Hotel, Washington, D. C., attended by many of th<} city's titlemen and by Government J. STANLEY BAUGHMAN AND BILL officials and others with whom he McAULIFFE GET ACQUAINTED. will be working very closely. Among those who attended the Hans 0. Clasen, CLU, General luncheon were: Agent J. Stanley Baughman, President John Hancock Mutual Life Insu­ Federal National Mortgage Associa- rance Company tion Alexander C. Day, Manager Howard Bernstein, Executive Vice John Hancock Mutual Life Insur­ President ance Company District-Realty Title Insurance Cor­ E. Spencer Fitzgerald, Executive poration Vice President

Page 10 . PART OF THE GROUP GATHERED AT THE MAYFLOWER TO MEET ALTA's NEW EXECUTlVE VICE PRESIDENT.

ALTA's EXECUTIVE VICE PRESIDENT (head of table) SMILES BROADLY AS THE TALK AROUND THE TABLE TURNS TO TITLE I NSURANCE. McAuliffe Introduced to Washington District-Realty Title Insurance Cor­ Graham T. Northrup, Director of poration Governmental Relations Samuel R. Gillman, President Mortgage Bankers Association American Real Title Corporation Fran Nowak, Director of Public In­ Oliver Goodman, Financial Editor formation The Washington Post Federal National Mortgage Asso­ Mr. and Mrs. David Heller ciation Deane and David Heller Robert Newton Reid, General Coun­ Stanley G. House, President sel Stanley House and Associates Federal National Mortgage Associa­ Ralph Koebel, Assistant General tion Counsel Charles Stewart, Director of Wash­ Department of Agriculture ington Office .T ohn Kopecky, Associate General National Association of Real Es­ Counsel tate Boards Federal Housing Administration H. Stanley Stine, President Frank W. Marsalek, Manaqer District-Realty Title Insurance Cor­ Lawyers Title Insurance Corpora- poration tion Sandy Witkowski, Assistant to Henrietta Morris, Owner General Counsel Henri Morris and Associates Federal Housing Administration.

Page 11 FLORIDA TITLEMEN GATHER TO SOJ,VE PUBLIC RELATIONS P ROBLEMS. Regional Public Relations Meeting In Florida

TOP ROW: P ercy H opkins, R uss Smiley, Phil J\S part of the ALTA's compre­ Cheaney, Tom McDona ld fi hensive program of public re­ BOTTOM ROW: B ill Cameron , M. R. McR ae, R . 0 . Denha m, a nd Hart McKillop lations, a meeting of Florida title­ men was held at the Fontainebleau Hotel in Miami Beach last month to exchange ideas about grass root public relations problems and their solutions. Topics discussed included legis­ lation; relations with county of­ fic ials, lenders, homebuilders, law­ yers and real tors; public relations techniques at the time of closing; and case histories of successful promotional programs. The title­ TOP ROW: Charles Mann , George Balfour, men attending the meeting ex­ Jim Rob inson BOTTOM ROW: Frank Lucen te, Bob Work­ pressed gratification at the success man, and Marv Brooker, J r. of thi s first F lorida Public Rela­ tions roundtable.

Page 12 l ERS

Federal National Mortgage Association Housing and Home Finance Agency 811 Vermont Avenue N.W., pointed Agency Manager to suc­ Washington, D.C. 20414 ceed Mr. Gretz; July 30, 1965 Mr. Phillip J. Lynch has been With sincere regret, I am inform­ appointed Assistant Agency Man­ ing you that Mr. Arthur A. Gretz, ager (Administration) to fill the who has served the Association as position being vacated by Mr. Manager of its Philadelphia Agency Keegan; Office since September 7, 1950, is Mr. Harry F. Bickford has been retiring from Government service ef­ appointed Ass i st ant Agency fective July 31, 1965. Manager (Loans) to take over We, in FNMA, feel that the Asso­ Mr. Lynch's former duties. ciation has been fortunate in having The above appointments will be had Mr. Gretz as its Philadelphia effective August 1, 1965. Manager for about fifteen years and I am sure that Mr. Keegan and his are sorry he is terminating his serv­ staff can count on receiving from ices at this time. I am confident that your organization the same fine co­ this feeling is also shared by the operation which has heretofore been many hundreds of organizations and extended to Mr. Gretz. individuals that have done business J. S. Baughman with Mr. Gretz during the la t fifteen President years or so. Because of Mr. Gretz's retirement, certain personnel changes will be nec­ essary in FNMA's Philadelphia or­ ganization. You will be glad to know, however, that there will not be any interruptions of y o u r relationship with the Association as a consequence of these changes since the positions will be filled by people with whom you have been dealing for some time. I take pleasure in announcing the following personnel actions: Mr. Kevin E. Keegan, who has been serving as Assistant Agency Manager (Administration) since September 7, 1950, has been ap- Page 13 DELEGATES AND GUERT<: "DRESS UP" FOR THE ANNUAL BANQUET

ABOVE: (top) Retiring President Duke Taylor receives a plaque from the newly elected President, Frank Stamper. (bot­ DISTINGUISHED TEXAS TITLEMEN tom) Jack McAninch i.s honored as the WIVES RELAX BEFORE DINNER Texas Titleman of the Year. William J. Harris presents the award.

LEFT: Past Presidents of the Texas Land Title Association meet for lunch.

Page 14 AN OUTSTANDING CONVENTION IN TEXAS

t

l MR. AND MRS. FRANK STAMPER (lef t) AND MRS. AND MR. DUKE TAYLOR SURROUND THE ALTA NATIONAL PRESIDENT, JOSEPH S. KNAPP •.JR.

f you have never attended a Con­ racing in Mexico. The ALTA Pres­ I vention of the Texas Land Title ident, Joseph S. Knapp, Jr., was Association, you have a treat in called upon to present a trophy to store for you. Each year Herb the winner of the 9th race declared Becker, assisting the Program as the Texas Land Title Associa­ Chairman and the other officers, tion Handicap. sets a new standard for fine busi­ On Friday, May 14, the Texas ness programs and scintillating so­ titlemen and women really got a cial events which leave the dele­ workout. There were speeches, gates exhausted but happy and ful­ panel discussions, and open forum filled. discussions that covered such sub­ The 55th Annual Texas Conven­ jects as closing statements, recent tion, which was held May 13, 14, legal decisions, new developments and 15, was no exception. in the abstract and title business, new methods and equipment, and Before the Convention actually legislative processes. began, the registrants were trans­ The Annual Banquet was held at ported from El Paso to Juarez, the El Paso C o u n try Club with Mexico, to attend the races at the authentic Mexican music, hors beautiful new million dollar race d'oeuvres, and liquid refreshments. track. As they enjoyed an excellent Everyone who attended said it was dinner, they saw some of the finest the "best yet."

Page 15 Mrs. Duke Taylor with two of the ladies who modeled fashions of Old Mexico at the Ladies' Lunch.

RIGHT COLUMN: (t-0p) The entire new Board of Directors, Past President, Duke Taylor, Director Eastland, Vice President Weylandt, President, Frank Stamper, Secretary-Treas­ urer, J. W. McAninch, Directors Feuille and Half'f. (center) National President, Joseph S. Knapp, Jr., presents the Texas Land Title Association trophy to the owner of the winning dog in the 9th race (Texas Land Title Associa­ tion Handicap) at Juarez Race Track in Mex- ico. An evening of racing was part of the convention entertainment. (bottom) Duke Tay­ lor confers an honorary Texas citizenship on our President, Joe Knapp, by authority of Governor John Connally.

Page 16 Left to right: Newly elected President, C. L. Schoenhut, Cascade: Roy A. Bowen , Vice Presiden t, Panhandle District, St. Maries ; Mrs. Jeanette Pauli, Secretary-Treasurer, Boise; Dwain Stufflebeam, Vice President, Southeast District, Blackfoot; Mrs. Mary Davis, Vice President, Southwest D istrict, Payette.

IDAHO ELECTS SCHOENHUT

HIGHLY successful Conven­ Mr. Ray Bowen, Benewah County A tion of the Idaho Land Title Abstract Co., St. Maries, Idaho-­ Association was held June 2-5 at the Vice President, Panhandle Dis­ Downtowner Motel, Boise, Idaho. trict The following officers were elected Mr. Dwain Stufflebeam, Bingham for the ensuing year: Title and Trust Co., Blackfoot, Mr. C. L. Schoenhut, Valley Land Idaho-Vice President, Southeast Title Co., Cascade, Idaho-Presi­ District dent Mrs. Jeanette Pauli, The Title In­ The American Land Title Asso­ surance Company, Boise, Idaho­ ciation was represented by George Secretary-Treasurer B. Garber, Chairman of the Title Mrs. Mary Davis, Payette County Insurance Section; Senior Vice Abstract and Title Co. , Payette, President, Title Insurance and Idaho-Vice President, S.W. Dis­ Trust Company, Los Angeles, Cali­ trict fornia. Page 17 NEW YORK STATE TITLE ASSOCIATION

ARTHUR J. SELTZER

J EO J. SULLIVAN, President L of the New York State Title Association, announced that the Title Association in its recent An­ nual Convention held at The Ote­ RIGHT COLUMN: (top) Left to rig ht, Mat­ saga, Cooperstown, New York, t hew A. Campbell, guest s peaker; Leo J . Sulli­ van , Preside.nt ; Co mm iss~ on er Albert A. elected as President Arthur J. Selt­ W alsh, g uest speaker; Frank J . Laski, guest speaker ; Law rence A . Davis, P resident, Penn­ zer, Senior Vice President of Metro­ sylvan ia Land Title Association; Joseph S. Knapp, Jr., President A merican Land Title politan Title Guaranty Company. Association. (bottom ) A J< roup of New York State Title Association officers take t ime o ut Other officers elected to take office f ron1 a busy con ven tion schedule to pose for the ALT A camera. November 1st are: Vice President­ Southern Section, Thomas Sheehy, Vice President, The Title Guarantee Company; Vice President-Central Section, Clifford Wells, Vice Presi­ dent of Mid-State Abstract Corp.;

Page 18 York titlemcn were royally entertained at the Otesaga in Cooperstown.

LEFT: Leo J. Sullivan, re- tiring President; Matthew A. Campbell, guest speaker; Arthur J. Seltzer, newly elected President; Dr. Ralph Damsker, guest speaker.

Vice President-Western Section, Brown, 111 Broadway, New York Ralph M. Garlock, Assistant Vice City. President, Abstract Title (Div. of) The new President, Arthur J. The Title Guarantee Company, Seltzer, has been associated with Lockport, N.Y.; Treasurer, William Metropolitan Title Guaranty Com­ G. Von Garlem, Vice President, pany for the past twenty years and City Title Insurance Company; as its Senior Vice-President is in Chairman of Title Insurance Sec­ charge of the Company's title oper­ tion, Fuller Heath, Senior Vice ations and branch administration. President of American Title In­ Mr. Seltzer, after leaving the surance Company, Guaranteed Title United States Navy at the close of Division; Chairman of Abstracters hostilities in World War II, at­ Section, Joseph L. Tauber, Presi­ tended Hunter College, Hofstra Col­ dent, Commonwealth Ab st r a c t lege and New York University. He Company, New York City; and resides with his wife and three chil­ Executive Secretary, Edward T. dren at Merrick, Long Island. Page 19 FROM THE FEDERAL REGISTER TITLE 24-HOUSING AND HOUSING CREDIT Chapter II-Federal to read as follows : § 203.391 T it 1 e objection waiver Housing Administra· with reduced insurance benefits. tion, Housing and Payment of an insurance claim will not be refused solely because the Hom e Finan ce title evidence reveals a condition of title not taken into consideration in Age n cy the original appraisal and not cov­ ered by the provisions of § 203.389, Suhchapter C - Mu­ or not otherwise waived in writing tual Mortgage Insur­ by the Commissioner. In such in­ stances, the claim will be paid if the ance and Insure d mortgagee agrees to accept a reduc­ Home Improvement tion in insurance benefits considered adequate by the Commissioner to Loans compensate for any anticipated loss to the Mutual Mortgage Insurance Part 203-Mutual Mortgage Fund as a result of the existence of Insurance and Insured Home the title condition at the time of Improvem en t Loans claim. Subpart B-Con tract Rights and (Sec. 211, 52 Stat. 23; 12 U. S. C. Obligations 1715b; interprets or applies sec. 203, Title Objection Waiver with Re­ 52 Stat. 10, as amended; 12 U. S. C. duced Insurance Benefits 1709) In Part 203 in the Table of Con­ Issued at Washington, D. C., May tents a new section heading is added 19, 1965. as follows: Philip N. Brownstein, 203.391 Title objection waiver with Federal Housing Commissioner reduced insurance benefits. rF. R. Doc. 65-5443; Filed, May 24, In Part 203 a new section is added 1965; 8 :48 a.m.] Page 20 day morning (June 28, 1965) , in the Nassau County office of The Dime Savings Bank of Brooklyn in the Green Acres Shopping Center at Valley Stream. The bank had financed construction of the two buildings to the extent of $2,835,- 000. The huge exhibition hall of The Dime's branch office presented an unusual appearance. Forty-nine tables, each with four chairs, were ranged in four rows the length of CONDOMINIUM TITLE the hall facing a raised platform. CLOSINGS On this platform, readable from all ithin Jess than two hours 49 parts of the room, were huge blow­ W families took title re centl~ to ups of each of the legal documents apartments they have purchased in involved in the title closings. Each the first two buildings to be built :family taking title and its at­ in Queens for condominium owner­ torney were seated at the tables. ship. Under customary procedure, William A. Anzalone, vice presi­ between 50 and 60 hours would dent and attorney of The Dime of have been required to complete the Brooklyn, welcomed the purchasers l e gal formalities involved and and explained that purchase of an would have extended over several apartment under the State's 15- days. month-old condominium ownership It is believed to be the first in­ law gives the buyer the same legal stance in the New York area where status as the owner of a one-family title closings have been carried out home. He then explained each of the on so large a scale. legal documents and the procedure The title closings were for the to be followed in closing titles with­ first 49 apartments in Heritage out loss of time. House East and Heritage House West, built by Alexander and Doug­ las Paulsen on 153rd Avenue in the Lindenwood section of Howard Beach, Queens. Each six-story build­ ing contains 78 apartments, ranging in size from studio suites to apart­ ments with four bedrooms, three baths and two outdoor terraces priced from $10,000 to $36,000. Tw~ more similar buildings are now un­ der construction. The legal formalities, which per­ mit the purchasers to start moving into their individually-owned apart­ ments immediately took place Mon-

Page 21 On each table had been placed and to the monthly payment for folders containing those documents mortgage principal and interest is which had been previously com­ added at Heritage House a relative­ pleted, except for signatures of the ly small amount each month for parties involved, and the 49 fam­ heat, taxes and insurance on the ilies and their attorneys followed owner's apartment, and for mainte­ along with the explanation being nance of the grounds and other given from the platform. parts of the property which are When this was over, five attor­ owned in common by all the families neys representing The Dime of in the building. Brooklyn and five representatives In a cooperative, the occupant of of the Home Title Division of the an apartment buys stock in a corpo­ Chicago Title Insurance Company, ration that owns and manages the together with two attorneys repre­ building. Should he want to move, senting the Paulsen Brothers and he sells his stock to the corporation. the General Apartment Corporation, Should another owner default, the moved from table to table signing rest of the owners must absorb and notarizing the legal papers and mortgage payments, interest, taxes receiving from the buyer the money and other carrying charges in pro­ involved in each transaction. The portionate ratio. Under condomin­ Home Title closing attorneys were ium ownership, this condition does Ralph E. Schack, Theodore J . not prevail. Owners are responsible Scharfenberg and Robert Tomlin. only for their own obligations. Mr. Edward L. Dash, Regional Vice When The Dime Savings Bank President and Mr. Carl 0. Wachter, of Brooklyn made a construction Vice President of the Mineola office loan commitment to the Paulsen of Home Title were also present. Brothers last year, George C. John­ Within two hours, all 49 titles son, chairman of the bank's board had been closed and the purchasers stated: were in possession of recordable "Purchase under condominium deeds which give them the right to represents a new type of home own­ sell, rent, exchange, mortgage, or ership in the state of New York, will to heirs their dwelling units and we believe it will mark the and each one's portion of the com­ start of a new era in residential mon elements such as hallways, construction and ownership here." grounds, elevators, parking space, NEW DIVISION FOR etc. All of this is spelled out in the deeds. AMERICAN TITLE Unlike cooperative ownership, ;\ merican Title Insurance Com­ each purchaser under condominium £\.. pany, Miami, Florida, has es­ thus has the same status of owner­ tablished a National Sales Division, ship in a multi-family building as President Jay R. Schwartz an­ he would have in an individual nounced. house. Head of the new Division is Stan­ The buyer obtains a conventional ley M. Fisher, Senior Vice President mortgage and pays it off in monthly of the Company and President of installments. Each owner ,, ·.s-:. as­ American Title Company of Mich­ sessed for tax purposes separa€el.'y, igan, a subsidiary. Mr. Fisher will

Page 22 continue to direct the Detroit-based In joining American Title, Mr. subsidiary, with branches through­ Findlay will serve also as the Com­ out Michigan, and also will continue pany's Far West Service Officer in to manage American Title's opera­ the states of California, Utah, Ari­ tions in Wisconsin. zona, and Nevada. In that capacity, Detroit will be the base of the he will appoint underwritten title new National Sales Division, Mr. companies and agents as represent­ Schwartz said, "because it is such atives of American Title. an important industrial and com­ American Title Insurance Com­ mercial center for major companies pany presently has a Division Of­ with properties located throughout fice serving Los Angeles County, the United States." and through related companies Branches of the new Division are serves Orange and Ventura Coun­ currently located in San Francisco, ties. Atlanta, Miami and New York, and F. H.A. work for national clients will be co­ ederal Housing Commissioner ordinated through the network of F P. N. Brownstein has assured division offices, branches, agents mortgage lenders that title matters and representatives maintained by automatically waived under FHA American Title Insurance Company regulations will not later be dis­ in forty states, the District of Co­ puted. Letters to FHA indicate that lumbia, Puerto Rico and the Virgin some mortgage lenders still are ap­ Islands. prehensive that failure to obtain The establishment of the San specific title waivers might, in some Francisco branch of the National way, jeopardize future claims for Sales Division brings into American insurance benefits. Title's organization as a Second FHA broadened coverage of its Vice President a veteran in the title general waiver regulations in Feb­ insurance and related fields in the ruary 1965 to simplify the handling San Francisco area. He is Robert of title exceptions by including ease­ S. Findlay, Jr., who has been in the ments, restrictions, and other minor industry at San Rafael, California, title objections considered custom­ since 1947, and until recently was ary by lenders. The move was de­ President and Board Chairman of signed to reduce the number of the Cal-Marin Title Company, which mortgagee letters requesting indi­ he founded in 1962. vidual waivers. FISHER FINDLAY

Page 23 The broadened regulations have Rolando is from a pioneer Ari­ added customary easements, restric­ zona family and was Executive tions, and similar minor title ob­ Vice President of Guaranteed Title jections, which prudent lending in­ Company, New York City, before stitutions and leading attorneys in returning to Arizona. Prior to that the locality of the property find he was International Marketing Di­ acceptable, to those title objections rector for Sylvania Electric Prod­ listed by the FHA which are waived ucts, Inc. Rolando brings 19 years automatically. of marketing know-how to Amer­ It is unnecessary for the mort­ ican and 6 years in title company gagee to ask the local FHA insuring management. He will direct the officer for specific waiver determi­ company's Business Development nations in such matters. and Escrow Operations. Title exceptions which do not im­ Dumont has been involved in all pair value, but which are neither phases of title insurance, trust and listed as waived nor considered com­ loan administration in Phoenix for mon and customary locally, may be the past 23 years. For 17 years waived by FHA upon request of prior to that he was with Bankers the mortgagee. Trust Company of New York City. As Senior Trust Officer, Dumont The new general waiver provi­ will administer American's Trust sions are retroactive to the extent Operations. that, in claims filed on previously insured cases, FHA will not raise GRIFFITH ELECTED title objections in matters coming ST ATE COUNSEL within the amended regulations. AVID T. GRIFFITH, JR. was D elected California State Coun­ AMERICAN TITLE NAMES sel for Lawyers Title Insurance TWO VICE PRESIDENTS Corporation by the Executive Com­ JAMES ROLANDO and N. L. mittee of the Board of Directors F • Dumont, Jr., were elected meeting in Richmond, Virginia, on Vice Presidents of American Title Wednesday, July 28, 1965. & Trust Company, Phoenix, Ari­ Griffith, whose headquarters will zona, according to a recent an­ be in Los Angeles, had been assist­ nouncement by James W. Walser, ant county counsel for Santa Bar­ President. bara County. He also served as ROLANDO DUMONT

Page 24 counsel to the County's Planning Welfare Agency. Mazzera also Commission and as legal adviser to serves as a Regent of the University the County's Water Agency and of Santa Clara and has served in Flood Control District. advisory capacities with the Small Lawyers Title opened a branch Business Administration. office in Los Angeles in 1964. This MBA OPPOSES DUAL year the company established a Na­ CONTRACTS tional Division Office in Los Angeles and another branch office in San HE Mortgage Bankers Associ­ Jose. T ation of America, working with other national trade associations, TRANSAMERICA ELECTS has been diligent in its efforts to MAZZERA DIRECTOR prevent the use of dual contracts in RANSAMERICA Corporation real estate transactions and to make T directors, meeting in Seattle for as certain as possible that ap­ the first time, elected Lloyd L. praisals and statements made on Mazzera to the Board. Mazzera, a applications for mortgage loans well-known San Francisco banker, are accurate in every respect. recently retired as head of Bank of "The use of dual contracts strikes America's world-wide loan activi­ at the very heart of the mortgage ties. correspondent system in that it Mazzera is still active with the creates doubt in the minds of Bank of America and serves as a mortgage investors regarding the member of the Advisory Council and truthfulness and accuracy of ap­ two advisory committees of the praisals in mortgage applica­ Bank's Board of Directors. His tions," stated Samuel E. Neel, career spans 49 years of California the Association's acting Execu­ banking history, much of it as a tive Vice President. "The national long-time associate of A. P. Gian­ MBA has long fought this practice nini, founder of both Bank of and will continue to do so," Neel America and later (1928) Trans­ stated. america Corporation. Although Neel's remarks were occasioned there is no longer any connection be­ by the announcement of the Texas tween the two organizations, Mazz­ Mortgage Bankers Association that, era brings to Transamerica a wealth through the efforts of its members, of financial experience. working with other trade associ­ A resident of Oakland, California, ations in Texas, the State Legisla­ Mazzera has held many offices and ture had enacted an amendment to memberships in professional, civic, the Texas penal code which would and charitable organizations. He make it unlawful to "substitute one was past Chairman of the Credit instrument in writing for another Policy Committee of the American and by this means cause the making Bankers Association, past Treas­ of a loan or the extension of credit urer and Director of the California or induce by any fraudulent instru­ and San Francisco United Cerebral ment in writing the making of a Palsy Associations, Director of the loan or the extension of credit." The Salesian and San Francisco Boys bill states that such a transaction Clubs, and Director of the Italian would be considered a misdemeanor Page 25 and, upon conviction, the guilty North County Title and Abstract party or parties could be jailed for Company of Lake Park, Florida, a a period of six months and/ or fined Peninsular subsidiary. Mr. Con­ $1,000. Any subsequent offenses over has had eighteen years experi­ would be considered a felony and ence in the title industry. the guilty party or parties fined up After attending Oberlin College, to $5,000 and/ or confined in the he went to work for Chelsea Title state penitentiary for a period up and Guaranty Company in Atlantic to five years for each offense. City, New Jersey, and served as "The use of dual contracts," Neel Title Examiner, Closing Officer, explained, "is the questionable Title Officer, Senior Title Officer, means by which borrowers obtain and Vice President. more liberal financing by submitting Coming to Florida as President a contract to the lender which in­ of Okaloosa Title & Abstract Com­ creases the stated value of the prop­ pany of Crestview, Florida, in 1957, erty upon which the loan is based. Mr. Conover and his family moved In the case of mortgage financing, to Lake Park, Florida, in 1958. He two contracts are signed by the pur­ served as State Agent and Vice chaser and the seller-one stating President in charge of Chelsea the actual sales price of the prop­ Title's West Palm Beach office. erty (this contract is considered the He is a member of the Florida binding contract between the buyer Land Title Association and The and seller) and a second contract Mortgage Bankers Association of which inflates the sales price of the Palm Beach County. property in order to obtain from the lender a higher loan than is justi­ GRETZ RETIRES fied. RTHUR A. GRETZ, for the "We will continue to fight this A last fifteen years Agency Man­ unsavory practice and have sent ager of the Philadelphia Agency of letters and copies of the Texas Bill Federal National Mortgage Associ­ to all presidents of state and local ation, retired from Federal service Mortgage B an k e r s Associations, on July 31, 1965. heads of allied trade associations, Mr. Gretz had been in the Fed­ and key personnel in government eral service for almost thirty-five and Congress. We will continue to years, all of this time engaged in cooperate with all these groups with activities involving mortgage fi­ the hope that the use of dual con­ nancing. Originally on leave of ab­ tracts may one day be declared il­ sence as an Assistant Title Officer legal in every state of the union," of the old Land Title, now the Com­ Neel concluded. monwealth Land Title Insurance Co., he went with Reconstruction V.P. CONOVER APPOINTED Finance Corporation in 1932 to as­ CLEMENT SLADE, JR., sist in the organization of its Phila­ N • President of Peninsular delphia office. He spent three years Title Insurance Company of Jack­ in the Baltimore, Maryland and sonville, has announced the appoint­ Washington areas, representing the ment of Leigh W. Conover as the R.F.C. in connection with the Re­ Vice President and Manager of funding Plans of several large cas- Page 26 ualty and insurance companies. Tucson Title Insurance Company. Thereafter, he returned to Phila­ Jam es Preston Hay is moving delphia, his home city and re­ from Tucson to Holbrook to man­ mained with R.F.C. until 1950, age operations in Navajo County. when FNMA was transferred from Prior to joining Tucson Title, Hay the status of a subsidiary of R.F.C. held executive positions with two to a constituent of the Housing and title and abstract companies in Home Finance Agency, at which Texas. time he became Agency Manager Navajo-Apache Abstract and for FNMA. Title has been an agent for Tucson Mr. Gretz saw the territory Title since 1949 and has been is­ served by the Philadelphia Agency suing Tucson Title policies for that of "Fannie Mae" grow through entire period. consolidations from the original The Navajo-Apache Abstract and Delaware, Eastern Pennsylvania, Title Company was founded in 1918 and Southern New Jersey to the and has done business in Navajo present sixteen jurisdictions in­ County since that date. Mr. W. cluding Eastern states from Maine Dean Nutting purchased the busi­ through West Virginia, the Dis­ ness when he first came to Holbrook trict of Columbia, the Common­ in 1929. Except for three years of wealth of Puerto Rico, and the military service during World War Virgin Isl.ands. He says that serv­ II he has continuously practiced icing the needs of such diverse law and operated the title business. areas has been a fascinating and Tucson Title itself was organ­ rewarding experience and has re­ ized in 1920, and is also an Arizona sulted in friendships which few pioneer. people have the opportunity to make. FIRM TO STUDY LEGAL ASPECTS OF INVERSE TUCSON TITLE CONDEMNATION SUITS UCSON Title Insurance Com­ F a homeowner wakes up some T pany has purchased Navajo­ I morning and finds that the multi­ Apache Abstract and Title Com­ level super-highway being con­ pany, headquartered at 111 E. Hopi structed nearby cuts off the view, Street in Holbrook, Arizona, an­ the sunlight, and the gentle breezes nounced Thomas L. Chambers, Pres­ he was used to, he may be able to ident of Tucson Title. sue the highway department for All assets, including the complete damages through an inverse con­ Navajo County title plant, were demnation suit. purchased from W. Dean Nutting, "Inverse Condemnation" is a term who will continue to work closely coined by the California courts and with Tucson Title in an advisory simply means a suit wherein the capacity. Mr. Nutting intends to state is called upon to pay for prop­ continue his law practice in Hol­ erty damaged or taken by highway brook. construction. Generally, such suits Nutting's former employees, La­ involve damages incurred during or Merle Gerwitz and Barbara De­ after construction. For example, Spain will continue as employees of damages due to blasting, disturb- Page 27 ances of drainage, loss of lateral statutory proposals. support, noise or anything else that The 15-month project will add deprives a property owner of the considerably to the knowledge ob­ full use of his property may be tained through legal research con­ compensated for through an inverse ducted recently by Washington condemnation suit. University in St. Louis. This earlier Such cases are increasing, espe­ study developed both the substan­ cially as more and more highways tive and procedural aspects of in­ are being built in urban areas and verse condemnation through a re­ consequently are affecting more peo­ view of the law in five selected ple. Unfortunately, the theory and states. limits of the state's liability for The research team's report will inverse condemnation are neither also suggest in detail how the find­ clearly understood or agreed upon. ings may be applied to problems Legal procedures for determining currently facing the state highway questions of liability are also un­ departments. settled and vary from state to state. The NCHRP, now in its fourth As a major move to add clarity year of operation, is the result of a to the somewhat cloudy aspects of three-way agreement among the inverse condemnation proceedings, American Association of S t at e the Highway Research Board-ad­ Highway Officials, the U. S. Bureau ministered National Cooperative of Public Roads, and the National Highway R e s e a r c h Program Academy of Sciences. It serves as (NCHRP) has awarded a $15,000 a means to accelerate research into study contract to Regional and Ur­ particularly acute problem areas of ban Planning Implementation, Inc. highway design, construction, and of Cambridge, Massachusetts. Un­ operation. der the terms of the contract, the The Program is administered by research agency will conduct a 4- the Highway Research Board, an part project that will include: arm of the National Academy of 1. A complete review of substan­ Sciences-National Research Coun­ tive case law for those states having cil. The Board was established in a considerable volume of inverse 1920 to encourage research in high­ condemnation cases. way administration, transport, and technology. It operates within the 2. A complete review of available Academy-Council's Division of En­ defenses and the major techniques gineering and Industrial Research. available to litigate inverse con­ demnation claims. NEW POST FOR WILLIAMS 3. An analysis of the administra­ T OUISVILLE Title Insurance tive techniques used in handling in­ L Company has elected Jesse M. verse condemnation claims, includ­ Williams to the newly created office ing pre-damage p r e v e n t i v e of Executive Vice President, effec­ measures and post-damage settle­ tive July 1. Williams, formerly Sen­ ment methods. ior Vice President, has been with 4. Comparative analysis of the the firm 19 years and has been in judicial treatment of inver e con­ charge of its national division 11 demnation claims and alternative years. He is a director of the com-

Page 28 pany and of its parent company, Commonwealth Land Title Insur­ ance Company of Philadelphia. He is a former member of the Board of Governors of the American Land Title Association.

MEETING TIMETABLE 1n memon1am SEPTEMBER 9, 10, 11, 1965 New Mexico Land Title Association ~***~~**** "The Inn," Hobbs

SEPTEMBER 10, 11, 1965 Kansas Title Association ALTON B. WETHERINGTON Baker Hotel, Hutchinson

LTON B. WETHERINGTON, 60, SEPTEMBER 16, 17, lB, 1965 A retired President of the Title & Utah Land Title Association Trust Company of Florida, died in a Prudential Federal Savings Auditorium Jacksonville hospital after a long ill­ Salt Lake City ness. Mr. Wetherington, who lived at 222 SEPTEMBER 19, 20, 21, 1965 River Hills Drive, was born in Jasper Missouri Land Title Association and moved to Jacksonville 40 years Lamplighter Motor Inn, Springfield ago. He was an honorary life member of the Florida Land Title Association OCTOBER 3, 4, 5, 6, 1965 and was a past president of the Asso­ ANNUAL CONVENTION ciation. American Land Title Association He was also a member of St. Paul's Sheraton-Chicago Hotel Episcopal Church, Duval Masonic Chicago, Illinois Lodge 159, Morocco Temple of the OCTOBER 17, 18, 19, 1965 Shrine, the Damascus Commandery Nebraska Title Association 2, Knights Templar, the San Jose Prom Town House Motor Inn, Omaha Country Club, Ponte Verde Club, the Gator Boosters and the University of F lorida Alumni Association. He was OCTOBER 21, 22, 23, 1965 also an honorary life member of the Florida Land Title Association Civitan Club. Fort Harrison Hotel, Clearwater Surviving Mr. Wetherington are his widow, Mrs. Dorothy M. Wether­ OCTOBER 22, 23, 1965 Land Title Association of Arizona ington of Jacksonville; his mother, Pioneer Hotel, Tucson Mrs. Ethel E. Tariff of Jackson­ ville; a daughter, Mrs. Jean W. OCTOBER 24, 25, 26, 1965 Aimar of Beaufort, S. C.; four sis­ Ohio Title Association ters, Mrs. Agnes Swearington of Tex­ The Christopher Inn, Columbus arkana, Ark.; Mrs. Gladys Christie of Jacksonville; Mrs. Daisy Lee Mc­ Daniel of Lakeland and Mrs. Evelyn OCTOBER 28, 29, 30, 1965 Danko of D a y to n a Beach; three Wisconsin Title Association brothers, L. Levon Wetherington of Hotel Sterlingworth, Elkhorn Miami; J. B. Wetherington, Jr. of Fort Lauderdale and Carlton A. NOVEMBER 7, 8, 9, 1965 Wetherington of Jacksonville; and Indiana Land Title Association three grandchildren. Claypool Hotel, Indianapolis ~\CAJV ~ ~4> 'f1> American Land Title Association \~; ~-tssoc'-"'