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90 GEORGIA Equifax Featured in 2018 IDC FinTech Ranking Equifax, a global information-solutions company headquartered in Atlanta, Georgia, announced it has once again been named to the 2018 IDC FinTech Rankings, a compre- hensive vendor ranking within the financial services industry. e company has earned a spot on the annual ranking in each of the 15 years the ranking has been produced. International Data Corporation (IDC) is a global provider of market intelligence, advisory services, and events for the information-tech- nology market. "A place on the IDC FinTech Rankings is a significant accomplishment, demonstrating a provider's commitment to the success of its fi- nancial institution clients," said Karen Massey, Research Manager at IDC Financial Insights. "e IDC FinTech Rankings, now in its 15th year, is the global industry standard register of financial services tech providers, and we congratulate the 2018 winners." "We stand committed to providing our customers with access to industry-leading data, analytics, insights, and proven technology to support their business initiatives," said Scott Collins, SVP and General Manager, Bank- ing and Lending, Equifax. "IDC Financial Insights is widely recognized as a thought leader at the forefront of our industry and we are honored to be once again included in its annual fintech ranking." e annual IDC Financial Insights Fin- Tech Rankings recognizes companies that are among the top financial-technology providers worldwide, based on 2017 calendar-year rev- enues. Global providers of financial technology in hardware, software, and services are catego- rized and evaluated by IDC to determine key players in the space. Equifax is a global information-solutions company that uses trusted unique data, inno- vative analytics, technology, and industry ex- pertise to power organizations and individuals around the world by transforming knowledge into insights that help make more-informed business and personal decisions. IDC Financial Insights assists financial- services businesses and IT leaders, as well as the suppliers who serve them, in making more effective technology decisions by providing fact-based research and consulting services. Staffed by senior analysts with decades of industry experience, IDC's global research analyzes and advises on business and technol- ogy issues facing the banking, insurance, and securities and investments industries. PUERTO RICO Serving the Legal Needs of a Recovering Puerto Rico Attorneys Stephen M. Hladik, Miguel Maza, Rose Marie Brook, and Steven Horne announced the formation of HMB Law Group, LLC, a new law firm headquartered in the heart of San Juan's financial district. HMB has been designed from the ground up to meet the dynamic legal challenges of both financial institutions and Puerto Rican com- munity members as the island recovers from the devastating storms. Specializing in the needs of the real estate finance industry in Puerto Rico and beyond, HMB Law Group will offer a complete suite of legal services. e Default Servic- ing Department will be headed by founding members Stephen Hladik and Miguel Maza. Hladik is a former Pennsylvania Deputy Attorney General in charge of the Harris- burg office of the state's Bureau of Consumer Protection, a recognized expert in lending law, mortgage foreclosure, and tax sale law, and has represented clients from every sector of the mortgage industry. Maza has practiced in all aspects of consumer finance law for almost a quarter century, successfully representing lend- ers and creditors in numerous matters across the territory and in the United States. Hurricane Maria's impact on Puerto Rico caused $90 billion in damages to the island, and an independent study from George Washington University's Milken School of Public Health in August increased the official death toll from 62 to 2,975. In late September, HUD Secretary Ben Carson and Puerto Rico's Governor Ricardo Rosselló announced the formal execution of a $1.5 billion grant agree- ment to help citizens in Puerto Rico to recover from Hurricanes Irma and Maria, $1 billion of which will be allocated to rebuilding housing. With many Puerto Rico residents having fled before and after the storm, the island's housing and foreclosure crisis has been exacerbated by the difficulty in communicat- ing with those borrowers—a problem that the newly formed HMB Law Group hopes to help address. "In addition to my experience as an at- torney, I am very happy to apply my years of special servicing experience to work with cli- ents to deliver an effective borrower outreach solution," Horne said. "Many borrowers have left the island; some permanently, some plan- ning to return. We have the ability to quickly Florida Minority Certified Business MIAMI-DADE & BROWARD COUNTIES 786-499-6994 www.REOPitStop.com Luis@ContinentalRealtors.com RESNET ID: 106089 | Equator ID: 272261 Luis F. Guzman Broker/Owner of Puerto Ricans who applied for FEMA help after Hurricane Maria had homeowner's insurance. Only 3 percent had flood insurance. Source: New York Times article "On Hurricane Maria Anniversary, Puerto Rico Is Still in Ruins" STAT INSIGHT 15%