Texas TIPS Online National Changes and Initiatives November 16, 2006
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1 Texas TIPS Online National Changes and Initiatives November 16, 2006 George Houghton Senior Vice President National Agency Services Director Stewart Title Guaranty Company
2 Mission Statement Enhancing the Real Estate Transaction Process Vision Statement Magnificent Service by Inspired Professionals End Result Magnificent Customer Experience and Increased Shareholder Value
3 We re Working Hard To Provide You With Industry Best Solutions and Support That Fulfill Your Needs and Exceed Your Expectations
4 We Want To Be Your Favored Strategic Partner
5 We Must Know and Understand Our Customers and the Market; We Must Offer Industry Best Solutions; We Must Provide Excellent Fulfillment Channels; We Must Execute (Train & Deploy!)
6 2006 Agency Survey: What is Most Important? Solving Underwriting Problems Agency Service Managers Financial Capability Technology Solutions
7 2006 Stewart Agency Survey Overall, how satisfied are you with Stewart as a company to do business with? Very Satisfied 61.0 Percent Satisfied 34.2 Percent 95.2% Neutral 2.5 Percent Dissatisfied 1.6 Percent Very Dissatisfied 0.7 Percent
8 2006 Stewart Agency Survey Overall, how satisfied are you with the underwriting support you receive from Stewart? Very Satisfied 68.9 Percent Satisfied 24.5 Percent 93.4% Neutral 4.4 Percent Dissatisfied 1.4 Percent Very Dissatisfied 0.7 Percent
9 2006 Stewart Agency Survey Overall, how satisfied are you with the support you receive from the Stewart Agency Services representative? Very Satisfied 71.3 Percent Satisfied 21.0 Percent 92.3% Neutral 5.4 Percent Dissatisfied 1.3 Percent Very Dissatisfied 1.0 Percent
10 Agency Percentage of Title Premiums Q Fidelity Nat Title 49.7% First American 46.6% Stewart 57.1% LandAmerica 58.2% 40.0% 45.0% 50.0% 55.0% 60.0%
11 Stewart Title Guaranty Company National Ratings Demotech, Inc A A Double Prime Fitch Ratings A+ A Plus LACE Financial A
12 Debt as a Percent of Equity September LandAmerica First American Fidelity Natl Title 21.7% 26.0% Q % Stewart 11.8% Old Republic 3.3% 0% 10% 20% 30% 40% 50% 60%
13 Goodwill + Intangibles as a Percent of Equity September First American 74.3% Q LandAmerica 65.2% Fidelity Natl Title 41.8% Stewart 25.3% Old Republic 6.8% 0% 25% 50% 75% 100%
14 Stewart: Industry Record 31-Years Growth in Both Surplus & Reserves $ Millions $395.8 Reserves Surplus $884.0 Policyholder Protection '01 '03 ' Percent Annual Compound Growth Rate
15 Consecutive Years Growth in Surplus 2005 Stewart 31 Old Republic 5 Commonwealth 2 Fidelity Ticor 1 1 Chicago Lawyers
16 $2.42 Billion Revenues in 2005 $ Millions '05 '04 '03 '02 '01 '00 '99 '98 '97 '96 ' Percent Compound Annual Growth $0 $500 $1,000 $1,500 $2,000 $2,500 Title REI Investment
17 Goals & Strategies Associate effectiveness Customer loyalty Internal operating efficiency improvement Market share & revenue growth Culminating in profit growth
18 Where Stewart Needs Better Ball Control Technology Expenses Employee Count Claims from Refinance Peak
19 Where Stewart Has Gained Almost Tripling the Percent of Commercial Business Since 2000 Addition of Key Industry Professionals Balance Sheet Industry-Leading Technology Multicultural Market Performance
20 Title Insurance Risk Reduction One of Every Three Policies Requires Curative Action Prior to Closing to Prevent Future Claims An Essential Industry
21 The Simple Numbers of Title Insurance 2005 Numbers $16.6 Billion--Annual Title Industry Premiums $880.6 Million--Annual Title Industry loss expense incurred on only 1 out of 1000 policies where not successful in curing title prior to insuring (estimated) 359 Out of every 1000 transactions. 359 Titles are corrected prior to insuring avoiding consumer losses * ALTA 2006 Study $316.1 Billion--Title Insurance industry s risk elimination process savings to consumers (359 out of 1000 titles corrected times $880.6 Million) A 18.7 Times Return to the Consumer Just on Claims Avoidance Excluding Any Other Service
22 November 2006
23 National Initiatives Stay close to what we know Core - The Real Estate Transaction Underwriting Title and Escrow Real Estate Services
24 National Initiatives Initiate a customer segmented national sales strategy supported by operational units to improve the overall customer experience. Provide magnificent customer experience, additional services and support to title agents to increase revenue by being your favored strategic business partner.
25 Products and Services Title Insurance Escrow & Settlement Online Transaction Management Property Profiles Home Warranty 1031 Tax-deferred Exchanges Electronic Mortgage Documents Specialty Insurance Insured Water Rights Land Record Management Systems Aerial Image & Satellite Mapping ecommerce Solutions Title Agent Technology
26 Stewart Specialty Insurance
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