Excel Insurance Solutions offers specialist insurance products to help lenders provide customers with a
fast, efficient and professional service. Our wide range of innovative covers not only protects your loan
security but also enables you to speed up the lending process and cut administration costs.

As many lenders are discovering,we offer a bespoke approach that can adapt to the way individual
companies work. From providing insurance to protect your use of Automated Valuations, to offering an
entirely new approach to the capital requirements under Basel II, our policies offer new solutions in a
changing market place.

Come and meet our experienced team of specialist underwriters on stand 20 to find out more about
our policies and how they can keep your company moving, whatever lies ahead.

Excel Insurance Solutions – we take the risk, allowing you to explore the potential.

For more information, visit www.xlis.co.uk

HML is the UK’s leading provider of outsourced third party mortgage loan and administration services – with
specialised solutions which deliver quantifiable results.

With the increasing demands of financial regulation and compliance, the cost and efficiency benefits of
outsourced servicing are now widely accepted. HML has established itself as a clear leader in the marketplace, administering products for financial services organisations operating throughout the UK and Europe.

HML has continued its tremendous growth rate over the past few years with substantial growth in assets
under management and international rating agency, Fitch, has reaffirmed HML’s ratings of RPS2+ for both
Prime and Sub-Prime Servicing, which is one of the highest ratings in Europe for residential loan servicing.
In addition, Moody’s has upgraded their service rating to SQ2+ (Primary) and Standard & Poor’s awarded a
rating of Above Average with a Positive Outlook.

With an ever increasing dedicated workforce over four locations, HML is focused on delivering measurable
bottom line benefits. Employing some of the best people in the industry and continually investing in technology and communication systems, HML delivers ‘best in class’ service, leaving clients free to focus
on high-level business strategies.

Stewart Title Ltd. is a UK title insurance company regulated by the Financial Services Authority and registered in England and Wales under number 2770166. As a wholly owned subsidiary of Stewart Title Guaranty Company, Stewart Title Limited is the primary underwriter for European and Australian transactions. The company’s operations are headquartered in London with offices throughout the UK and Europe.

As a leading and experienced global title insurer, Stewart Title offers quick completions, cost savings, superior service; as well as title policy cover for purchasers and re-mortgages to improve portfolio value. Stewart Title also can offer a comprehensive product range to Building Societies together with our expert panel of Solicitors. For more information, visit us at our booth or on www.stewarttitle.co.uk

Target is a leading provider of software solutions and services to the consumer and commercial lending markets. With over 27 year’s experience, Target has built a reputation for delivering leading edge business solutions, which help companies in this sector achieve competitive advantage at every stage of the credit lifecycle.

Target’s solutions can be deployed in a number of ways to meet your changing business requirements from an individual software application or managed service through to a fully outsourced
service.

Target’s client base includes leading financial services companies such as Firstplus, Abbey, HFC Group, Picture Financial, Fortis Bank and Nemo Personal Finance, as well as over 80 of the UK’s lender, broker and packager network operations, who rely on Target to process their mortgage and loan business.

Troika has established an enviable set of credentials and a reputation for excellence, consulting to the Financial Services market since 1998. Now part of Navigant Consulting since August 2007,we can offer even more services and experience to our clients, including a global viewpoint.

We continue to offer a new perspective on consultancy. Our mission is to apply experience, clear thinking and teamwork to deliver pragmatic solutions to complex problems.

Navigant’s UK team covers strategic, performance, risk management, financial and dispute management advice with a team of 50 focussing on the financial services industry. We have four teams in financial services: Retail banking, Investment Management, Life & pensions and General Insurance.

As Troika,we have won several Management Consultancy Association awards, including ‘best small firm 2006’. We hope to continue this success in the future as Navigant Consulting.

Vertex Financial Services provides software and outsourcing solutions to the mortgage, life & pension and investment market sectors.The Mortgages Business Unit, headed by David Edwards, provides market leading
solutions to mortgage lenders and intermediaries in the UK and Canada, allowing them to:

• Meet their customers' requirements for flexible financial products

• Distribute these products through a variety of channels

• Deploy and operate effective point of sales tools to deliver efficiencies and maximise cross-sell potential

• Process and service mortgages in a cost efficient, effective manner, and

• Build and model pools of assets for Securitisation

Our mortgage solutions can be deployed as an end-to-end software implementation, niche softwarecomponents, an outsourced service or via managed application service provision (ASP) and can also be complimented by a range of scalable propositions such as Print & Fulfilment, Payment Processing, Debt Recovery and Offshoring.

20% of UK mortgages are processed or serviced using Omiga or Vertex Mortgages Services by over 600 staff further supported by over 9,000 staff across 68 locations globally. Around £5 billion of securitised assets
under management.