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North American Title Insurance Company is a seasoned title insurance underwriter that has been helping customers achieve the American dream of homeownership for more than 50 years. In the past several years, we have become known as the “underwriter next door,� because our associates are always easy to reach and our processes are, at all times, quick and straightforward. Our agency application process is fast and transparent for qualified agents. NATIC offers a one-hour underwriting response guarantee that is unparallelled in our industry. In addition, we value our agents based on their title industry knowledge and experience, not just on profits alone.

Gallagher Financial Systems, Mavent Inc. Form Strategic Partnership

January 31, 2007

BRENTWOOD, Tenn.- Gallagher Financial Systems, Inc. (GFS) and Mavent Inc.,of Irvine, Calif. have formed a strategic alliance to seamlessly integrate the Mavent Expert System with NetOxygen, Gallagher’s leading service-oriented platform.

The combined service provides NetOxygen customers with a real-time, interactive compliance solution that accelerates production while enhancing quality. Prior to funding, lenders can review every loan in their production pipeline for compliance with applicable federal, state and local lending laws, as well as custom institutionally-mandated compliance policies.

Unlike some combined services that rely on batch file imports or partial interfaces, Mavent’s compliance reviews are fully integrated into the workflow processes of NetOxygen. Mavent collects and processes electronic loan data received through NetOxygen. In seconds, the data is run against the Mavent rules as defined by the clients’ legally permissible options and returned through the NetOxygen interface for consistent application and accurate reviews.

If exceptions are found, stops can be put in place to prevent funding non-compliant loans until the user takes corrective action; if no exceptions are found, the end-user never needs to know the review has been processed. This seamless process results in highly customizable compliance services that support, complement and leverage the institution’s internal compliance resources without burdening production. Any modifications required to make the loan compliant are made in NetOxygen so all data remains in one system of record.

Mavent has performed more than 15 million compliance reviews for many of the industry’s leading financial institutions, including three of the top five originators and Fannie Mae. The most comprehensive and accurate solution available, the Mavent Expert System reviews loans for compliance against nearly 300 legislative acts, 200 license types, and the rules and regulations of over 60 regulatory authorities, and includes aspects of Truth-In-Lending Act (TILA), HOEPA, state and local high cost calculations, general state consumer credit laws, broker and lender licensing, an accurate Fannie Mae points and fees test, HMDA and OFAC.

“The combination of NetOxygen’s powerful rules engine in conjunction with the Mavent Expert System provides the lender a comprehensive residential mortgage solution that mitigates a multitude of risks due to quality audits which are often left to manual processes today,” said Chris Anderson, president of Gallagher Financial Systems. “This provides a win-win situation in all respects, especially for the lending community who now has the ability to control the quality of their product and increase franchise value.”

“Gallagher’s NetOxygen is driving the major productivity advance in a mortgage industry competing on the basis of speed, pull-through and increasingly global operations,” said Louis Pizante, Mavent’s CEO. “Our service centralizes and accelerates compliance risk management, reducing origination costs and repurchase risk. NetOxygen clients will easily translate this combined service into competitive advantage while enhancing their reputations as responsible lenders.”

Source: Gallagher Financial Systems

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