Corporate Overview

Stewart has created shareholder value by driving book value up 185 percent in the past 10 years - an increase of more than 11 percent per year, compounded annually. As a value creating entity, Stewart has resumed a cash dividend. The regular annual cash dividend of $.46 per share was payable Dec. 19, 2003, to Common stockholders of record Dec. 5, 2003.

A QUALITY INFORMATION COMPANY
Stewart has built an outstanding reputation on its core business - title insurance, real estate escrow and closings. But the strength of Stewart Information Services Corporation has a much broader scope.

COMMITTED TO GROWTH
Stewart is committed to growth, focusing on commercial services, agency acquisitions and international markets.

HIGHEST FIVE-YEAR EPS AVERAGE GROWTH
Stewart returned to the Forbes Platinum 400 List of "The Best Big Companies in America," and in 2003 for the second year topped the 20 insurance companies on the list for the highest five-year average growth in earnings per share (EPS). In 2004, Stewart again for the fourth year made the Platinum 400 list, posting a five-year average return on capital of 12.5 percent. Stewart again was listed in 2003 on the FORTUNE 1000, jumping from 941 to 732. Stewart is also on Standard & Poor's SmallCap 600 Index.

TITLE INSURANCE - FINANCIAL STRENGTH
Real estate agents and brokers, attorneys, developers, builders and mortgage lenders rely on Stewart Title to safeguard their investment. Stewart Title Guaranty Company has among the best financial ratings of the six largest insurers and its policies are provided through more than issuing offices nationwide.

Stewart's strength is unmatched in the title industry, having posted 28 years of consecutive growth in reserves and surplus.

STREAMLINING THE REAL ESTATE TRANSACTION PROCESS
SureClose®, Stewart's transaction management system, enables home sellers and buyers, real estate agents and brokers, lenders, builders, title companies and settlement service providers to order services, communicate, and share information and documents about sales and refinance transactions via a secure Internet Website.

STEWART'S INDUSTRY-LEADING TECHNOLOGY
Titlelogix.com®, Stewart's managed solutions partner (MSP), provides the integrated technology package to support the title office for improved service to its clients.

OUTSOURCE LENDER SERVICES - POST PRODUCTION SERVICES
Stewart Lender Services (SLS) is a nationwide provider of mortgage services. Lenders place orders directly online or through e-commerce portals for origination services, including credit reports, collateral assessments, tax information, and title and settlement services. StewartFlood.com provides flood zone determinations. Online Documents Inc. is a leading provider of software and forms needed to execute an accurate and complete loan origination package - typically delivered electronically in less than four minutes.

Stewart's mortgage management services include assignment preparation, document imaging, lien releases, flood compliance monitoring, recordation, tax services and packaging of loans for delivery to the secondary market. Asset Preservation Inc. is Stewart's Section 1031 tax deferred exchange subsidiary, a federally recognized Qualified Intermediary. Stewart Business Information specializes in pre-employment screening services.

FULL-SERVICE REAL ESTATE INFORMATION
Stewart REI Data Inc. provides comprehensive information solutions to title agents; lenders; real estate agents, brokers and Multiple Listing Services; federal, state and local governments; and other markets with related needs. Stewart Geo Technologies provides property and land ownership mapping, digital orthophotography, GIS, data integration and consulting services. Landata Technologies Inc. provides automation for government recording and registration via the LANDSCAN® courthouse automation system, in addition to data warehousing services.

INTERNATIONAL OPPORTUNITIES OFFER LONG-TERM GROWTH POTENTIAL
Stewart International is the leader in the international land title and real estate information industry. Stewart works directly through its own business and project offices, business partners, and subsidiaries in 16 countries including Anguilla, Australia, Canada, Costa Rica, Czech Republic, Dominican Republic, Hungary, Mexico, Poland, Romania, Slovak Republic, Spain, St. Kitts/Nevis, St. Lucia, Turkey, United Kingdom, and the United States. Stewart can provide title insurance policies in more than 40 countries worldwide.

Services include title research and guarantees, escrow settlement and financial services, land surveying, parcel mapping, land registration and titling and project management, as well as design, construction and management of land registry and property tax systems.

PRODUCTS AND SERVICES

  • Title insurance
  • Closing & settlement service
  • Online transaction management
  • §1031 exchanges
  • e-Business solutions
  • Mortgage origination services
  • Flood hazard certificates
  • Electronic mortgage documents
  • Mortgage postproduction services
  • Real estate information (REI)
  • Property ownership mapping
  • Land record automation
  • International title services
  • Relocation