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Transforming Underwriting

MARCH 2004

ABOUT CELENT

Celent Communications is a research and advisory firm dedicated to helping financial institutions formulate comprehensive business and technology strategies. Celent publishes reports identifying trends and best practices in financial services technology, and conducts consulting engagements for financial institutions looking to use technology to enhance existing business processes or launch new business strategies. With a team of internationally experienced analysts, Celent is uniquely positioned to offer strategic advice and market insights on a global basis.

Celent’s research services cover the following six sectors of financial services: Retail Banking, Wholesale Banking, Retail Securities and Investments, Institutional Securities and Investments, Life/Health Insurance, and Property/Casualty Insurance. For inquiries, visit www.celent.com; email info@celent.com; or contact:

Headquarters: 745 Boylston Street, Suite 502 Boston, MA 02116 USA Tel.: +1.617.262.3120 Fax: +1.617.262.3121

Wall Street Plaza 88 Pine Street 31st Floor New York, NY 10017 USA Tel.: +1.212.269.7540 Fax: +1.212.269.7541

50 California Street, Suite 1500 San Francisco, CA 94111 USA Tel: +1.415.439.5291 Fax: +1.415.439.5299

16, Place Vendôme 75001 Paris France Tel.: +33.1.53.45.28.58 Fax: +33.1.53.45.28.29

2-2-1 Toranomon, 15th Floor Minato-ku, Tokyo 105-0001 Japan Tel.: +81.3.5114.8269 Fax: +81.3.5114.8282

© 2004, Celent Communications. Authorized reproduction permitted.

www.celent.com

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