Because the relationship you have with your borrowers is critically important, we have designed our programs to enhance the borrower relationship whenever and wherever possible. We provide each of our clients a unique 1-800 number in order to ensure that when borrowers call us with questions, we can quickly personalize the service we provide.

Our Service Operations Center handles over 500,000 borrowers' calls annually and is available 24/7. Using an Interactive Voice Response (IVR) system, callers needing answers to routine questions may select from a menu of choices including up-to-the-minute updates on their own account status. During regular business hours, borrowers can speak with a representative at any time. Borrowers can also submit insurance information online at MyLoanInsurance.com or through the mail or a dedicated fax line.

Because State National specializes in collateral protection insurance, our call center staff deals solely with collateral protection issues. We also have response teams that provide service only to borrowers and others that deal only with clients in order to deliver the greatest specialization and expertise of service. We also provide clients with a number of service options, including both staffed and self-service systems.

Of course, we treat each borrower with the same courtesy and respect that you would so that we become a natural extension of your own customer service, rather than an intrusion. We take every measure to assist borrowers in becoming compliant with insurance requirements of their loans. Before placing a policy, we send at least two customized borrower notices and contact a borrower's last-known carrier or agent. Each month, we make thousands of insurance verifications in order to avoid unnecessary CPI placement.

Additionally, we understand that an important value of CPI to lenders is encouraging borrowers to comply voluntarily with insurance requirements of their loan contracts and to keep their insurance coverage current. We realize that only a small percentage of borrowers choose not to purchase insurance protection on their own, but they can contribute to considerable losses to your portfolio. We work with borrowers affected by CPI to ensure that they fully understand the CPI process.