Which of the following is NOT one of the exceptions that allow for the acceptance of non-certified funds?

The focus of the question is on identifying which situation does not qualify as an acceptable exception for non-certified funds. In the realm of title insurance transactions in Missouri, certain exceptions are established to accommodate specific types of funds that may not meet the typical requirement for certification to ensure legitimacy and security.

In this context, an escrow account from the client generally does not qualify for accepting non-certified funds because it lacks the assurance that comes from third-party scrutiny and oversight. In contrast, funds held in an escrow account by a licensed title insurer, funds from a governmental agency, and funds issued by a financial institution are considered reliable and secure forms of financial payment. These exceptions typically undergo verification processes that validate their authenticity and credibility, which is critical in the context of real estate transactions.

Thus, since the client’s escrow account does not provide the same level of assurance and security as the other listed exceptions, it is identified as the option that does not qualify for accepting non-certified funds.