Inter-Connection Agreement between Online Documents Inc. and BCE Emergis will accelerate the practical use of SMART Docs and the electronic mortgage process

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CONCORD, Calif. (Nov. 12, 2003) - Online Documents Inc., a subsidiary of Stewart Information Services Corp. (NYSE-STC), today announced the signing of an Inter-Connection Agreement with BCE Emergis that will enable lenders using Online's mortgage document software, systems and services to upload eMortgageDocs™ (SMART Docs) directly to the BCE Emergis eLending platform where application of e-signatures, electronic closing and other services are performed.

"The cooperative relationship between Online Documents and BCE Emergis is a major step forward for lenders who are ready to establish an electronic mortgage process," said Joan Ingham, president of Online. "eMortgageDocs meeting MISMO and Agency specification are immediately available to Online's customers with a simple mouse click from any of our current document solutions.

"This relationship will enable our lenders to take advantage of the electronic process and closing solutions offered by BCE Emergis," added Ingham.

Gunnar Bergstrom, president of the eLending Solutions unit of BCE Emergis added: "This relationship is significant because Online Documents currently offers the SMART Doc technology that facilitates the electronic mortgage process. Through our interface, Online can upload eMortgageDocs (SMART Docs) to the eLending platform on behalf of their lenders."

Kevin Gugenheim, executive vice president and chief operating officer of Stewart Mortgage Information, said, "In addition to electronic closing services which utilize eMortgageDocs provided by our Online Documents Inc. affiliate, the BCE Emergis eLending platform offers lenders a central point from which to order other closing and fulfillment services. Lenders can currently order Stewart flood, title and other services directly through the eLending platform."

Ingham emphasized that the Inter-Connection Agreement was forged for the benefit of lenders. "The electronic mortgage process is moving ahead rapidly; it's just a matter of time," she said. "This cooperative arrangement between Stewart, Online and BCE Emergis offers lenders a turnkey method to move quickly to the forefront of the paperless mortgage revolution."

About Online Documents, Inc.

Established in 1988, Online Documents ( provides compliant mortgage documents and related services to lenders, nationwide. Online offers desktop installations for local lenders and more comprehensive 100 percent interface solutions for regional and national lenders.

About SMI

Incorporated in 1994, Stewart Mortgage Information (SMI) ( ) is a leading provider of mortgage information and services that accelerate loan origination and improve the performance of the post-closing function. SMI offers services to lenders based on the life cycle of the loan process - from origination through post-closing to servicing. Origination services include credit reports, title reports, flood determinations, collateral assessments, document preparation, centralized funding and other real estate information. The post-closing solutions include assignments, document retrieval, lien recordation, pool certification, full legal review, lien release and research. Customers nationwide rely on SMI's expertise and integrated technology to provide solutions for their settlement needs.

Stewart Information Services Corp. is a technology driven, strategically competitive, global real estate information company. Stewart provides title insurance and related information services through more than 7,000 issuing locations in the United States and several international markets. Stewart meets the needs of the real estate and mortgage industries through the delivery of information services required for settlement using e-commerce. These services include title reports, flood determinations, document preparation, property reports, background checks and online property auctions. Stewart also supplies post-closing services to lenders, automated county clerk land records, property and land ownership mapping, and GIS for governmental entities. Stewart provides expertise in tax-deferred exchanges. More information about Stewart can be found at


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