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Analysts Presentation

North American Operations



30 October 2002

Agenda





Introduction Iain Napier

Overview of North America John Peshkin

California Mike Forsum

Arizona Garth Wieger

Canada John Peshkin

Florida John Peshkin

Texas John Peshkin

Summary Iain Napier

North American Housing

An Important Segment of

Taylor Woodrow’s Portfolio

Benefits of Being in North America



Housing market (world’s largest) remains strong

Opportunities for substantial growth (1.8m starts p.a.)

History of home price inflation circa 5-7% p.a.

Affordable market benefits from low interest rates

Limited investment alternatives sustain luxury market

Some constraint on supply in selected areas

(but less than UK)

Fragmented market now beginning to consolidate

Recent Achievements

Underlying operating profit up 17% to £35.1m

California returns to profit

Expansion into Phoenix, Arizona

£32m of Canadian commercial properties sold

Equinox pre-sold 400+ units in first 90 days

PGA Honda Classic at Mirasol

Entitlements obtained for 5,000 homes at Steiner Ranch

Cost reductions from central purchasing

Strong Order Book (30.06.02: £331m)

Strong pipeline for 2003 onwards

We have a strong presence in some

of the best North American markets





23 projects

£69m CE*









16 projects

£124m CE*







5 projects







2 projects

£28m CE*





12 projects

£88m CE*

* Housing Capital Employed at H1 2002

Each of These Markets are Different

Toronto San Diego

Market size - 50,000 units Market size – 9,000 units

Home price inflation Home price inflation

– 8% SF; 10% high-rise – Robust 21%

– ASP £114,000 – ASP £233,000

Demand for high-rise Demand for single family

driven by: driven by:

– No rentals being constructed – Job growth 2.7%

– Affordable product type – Highly skilled workforce keeps

– City living option preferable to employment rate high

suburbs – Population growth

– 100,000 people moving into – Diversified technology sector

Toronto this year – Supply constrained creating

– Low interest rates high demand and price

– Sales up 40% appreciation

– Strong tourism industry

North American Housing is a Local Business



Performance driven by strong local management with

clear strategy

Incremental rewards from core corporate systems

Flex product mix to meet market trends

– Maximize returns while minimizing risk

– Sustainable profit growth

Operating Margin 1999 - 2002

%

35%



30%



25%



20%



15%



10%



5%



0%



-5%



-10%

1999 2000 2001 2002*

California 9.3% 9.2% -4.7% 4.1%

Canada 13.3% 14.6% 14.1% 16.8%

Florida 14.0% 14.5% 24.2% 26.8%

Texas 18.0% 9.2% 23.9% 29.7%

Total 11.4% 11.1% 9.2% 15.9%





* 2002 Numbers are annualised H1 2002 numbers

ROCE 1999 - 2002

%

60.0%



50.0%



40.0%



30.0%



20.0%



10.0%



0.0%



-10.0%



-20.0%

1999 2000 2001 2002*

California 12.0% 19.5% -10.9% 5.1%

Canada 14.6% 15.7% 24.6% 33.5%

Florida 22.8% 24.8% 55.0% 45.2%

Texas 25.3% 6.5% 24.7% 13.2%

Total 15.6% 18.6% 18.9% 22.7%



* 2002 Numbers are annualised H1 2002 numbers

Changing the Mix to Optimise Returns



Number of units sold Canada Region Mix 1998 vs 2001



600

545





500

456

420

400



326 1998

300

2001





197

200







100

36



0

Hi Rise Lots Lo Rise

Returns Vary by Type of Development

Illustrative cumulative cashflows from project types

Cumulative Cashflow









1 2 3 4 5 6 7 8 9





Years









High-Rise Low-Rise Master Developer Low-Rise Merchant Builder

Bringing it Together with Control Systems



Allocation of capital

Centralized purchasing

Project delivery centrally reviewed

Company-wide financial reports and accounting processes

Customer satisfaction measured

IT consolidation

Human Resources

Corporate Communications

Achieved 20-30% Growth p.a. through 2000

Operating Profit

£m

80





70

9.5



60

4.7



50 7.9







40 5.6





30 60.6

53.3

46.5

20

36.4





10





0

1998 1999 2000 2001



Housing Property

Recent Full Year Housing Performance



£m

50 Operating Profit

41.8

40



30 25.5 FY`00

19.6

17.9

20

13.9

FY`01

10 5.6

1.6

0



-10

(12.0)

-20

California Canada Florida Texas









• Florida and Texas benefited in ‘01 from

£6.2m of plot sales (£5.2m & £1m respectively)

Recent Half Year Housing Performance



£m

25 Operating Profit

22.0



20 18.5



HY'01

15

11.6 HY'02

10

7.3





5 2.9 3.1

3.9

1.9



0

California Canada Florida Texas









• Florida and Texas benefited in H1 ‘01 from

£6.2m of plot sales (£5.2m & £1m respectively)

Recent Housing ROCE



Return on

Capital Employed %

20 18.9

18.6



18

15.6

16

14 13.5





12

10

8

6

4

2

0

1998 1999 2000 2001

Delivering on Strategy



Strategy 2002 Achievement



Return to historic levels of profit 17% underlying growth in H1 ‘02

growth California back in profit

New projects for 2003



Expand into new markets Acquisition of Journey





Exit commercial properties Disposal substantially complete:

£32m proceeds



Implement core corporate Substantially complete

systems

Explore new profit streams Implement central

purchasing program

California

Mike Forsum, President

California









San Francisco Bay Area







Pacific Ocean







Ventura County



Active Los Angeles San Bernardino

County

Under Development Orange County



Under Contract San Diego

Overview - California



Building Market TW

Permits CAGR% H1 ’02

2002 e ‘98-’02 Completions







111 homes

Market 150,000 8.0% 4 lots

Average selling

price £250,000 9.0% £675,000

Hotspots (e.g. Orange County, Riverside,

areas, product, etc) Sacramento

New Management



Highly experienced senior management team in place



Reorganized to best maximize core skill sets

– Now structured to grow the business





50% reduction in team size

Strategic Initiatives - California

Reposition the company

– Focus on markets that best take advantage of our capital, people

and brand

– Reduce prices by 25% in 2003

– Accelerate sell out of under-performing ultra-luxury projects

– Develop new project mix - 90% mid market homes; 10% luxury

– Expand land bank

– Transcend brand to more attainable price points

Do more with less

– Savings through improved product development process

– Reduce construction cycle times by up to 30%

– Reduce warranty costs by improving customer service

Casitas at Santaluz

San Diego





•80 units

•£451,000 ASP

•Phase VI of VII

•Move-up, move-down

Villas at Shady Canyon

Irvine





•21 units

•£1.2 million ASP

•Final Phase

•Move-up, move-down,

mature families

Astoria

Cupertino

•56 units

•£424,000 ASP

•Phase I of VI

•Young families

Arizona

Garth Wieger, President

Arizona









Phoenix









Active

Under Development

Under Contract

Overview - Phoenix, Arizona



Building Market TW

Permits CAGR% H1 ’02

2002 e ‘98-’02 Completions









Market 36,000 3.1% N/A

Average selling

price £120,000 5.8% N/A

Hotspots (e.g. Southeast Valley

areas, product, etc)

Background to Journey Homes Management





History and record

– Experience with top-tier builders with highest market share

– Repeated success in growing companies

Strategic Initiatives - Arizona



Integration with TW almost complete

Capitalize on TW’s financial strength and local

management’s relationships with land owners to grow the

business

Expand into Southeast Valley

Increase home closings from 700 in 2003

Acquire sites for TW branded mid-priced homes

Maintain discipline and focus on maximizing efficiency

Tierra Rosa

Phoenix



•245 units

•£101,000 ASP

•Sold 148

•1st & 2nd time buyers

Buenavida

El Mirage









•660 units

•£75,000 ASP

•Year 2 of 3

•1st time buyers

Canada

John Peshkin, CEO

Ontario, Canada







Ottawa









Toronto

Kitchener Burlington





London



Active

Under Development

Under Contract

Overview – Ontario, Canada



Building Market TW

Permits CAGR% H1 ’02

2002 e Completions

‘98-’02



656 homes

Market 83,500 11.6% 183 lots

Average selling

price £100,000 6.0% £95,000

Hotspots (e.g. High-rise condos in Greater

areas, product, etc) Toronto area; Brampton/Barrie

Strategic Initiatives - Canada



Centrally located design centre

Secure final entitlements on controlled property

Complete disposition of commercial properties

Reduce average price points

Continue growth of high-rise business

Bridle Trail

Unionville

•1,600 units

•£177,000 ASP

•Final Phase

•30-40% Asian, affluent

Stonebridge

Ottawa



•2,300 units

•£121,000 ASP

•Year 2 of 10

•1st time, move-up, empty nester

Millcroft

Burlington

•2,000 units

•£144,000 ASP

•Phase XI of XIII

•Move-up, empty nester

Chartwell Garden

Markham









•600 units

•£144,000 ASP

•Final Phase

•Asian, move-up

Toronto

•690 units (JV 50%)

•£74,000 ASP

•2 buildings 65% sold

•70% Asian, investors

Florida

John Peshkin, CEO

Florida







Jacksonville









Orlando

Tampa

Gulf of Mexico

Sarasota

Palm Beach





Ft. Myers/Naples

Active

Under development

Under contract

Overview - Florida



Building Market TW

Permits CAGR% H1 ’02

2002 e Completions

‘98-’02



118 homes

Market 167,000 7.2% 270 lots

Average selling

price £147,000 5.25% £445,000

Hotspots (e.g. Coastal areas, Orlando; high-rise,

areas, product, etc) affordable price ranges

Strategic Initiatives - Florida



Expand high-rise business

Construct more homes within TW owned communities

Lower average prices through product value engineering

Achieve short-term growth with mid market low rise

Maintain strong land bank of over 4 years

– Acquisition teams now located in regions

Mirasol

Palm Beach Gardens



•2,105 units

•£404,000 ASP

•Year 2 of 7

•2nd home, family,

retiree, empty nester

Vasari

Naples



•726 units

•£245,000 ASP

•Year 2 of 7

•2nd home, retiree,

empty nester

•158 units The Oaks Preserve

•£405,000 ASP Sarasota

•Tower 3 of 6

•2nd home, retiree,

empty nester

Texas

John Peshkin, CEO

Texas









Austin





Houston









Active

Gulf of Mexico

Under Contract

Overview - Texas



Building Market TW

Permits CAGR% H1 ’02

2002 e Completions

‘98-’02



17 homes

Markets 150,000 6.74% 16 lots

Average selling

price £125,000 5.54% £280,000

Hotspots (e.g. Houston, Dallas, San Antonio;

areas, product, etc) affordable prices

Strategic Initiatives - Texas



Expand business within existing markets

– Replacement land for Avalon (Houston) under contract

– Identify other homebuilding opportunities in Houston capitalizing on

well-respected brand

– Exploit acquisition opportunities in Austin as a result of market

weakness

Pursue volume strategy at Steiner Ranch until market

improves

– Closely control capital expenditures

Dallas and San Antonio identified for future expansion

Avalon

Houston

•794 units/307 TW

•£266,000 ASP

•Year 6 of 8

•Move-up, move-down,

family, empty nester

Steiner Ranch

Austin

•3,267 units (JV 50%)

•£245,000 ASP

•Year 3 of 10

•1st time, move-up,

retiree, empty nester

Strategic Initiatives – North America



Focus on existing markets

Add value through core corporate systems

Growth through acquisition of other homebuilders

Maintain disciplined approach to land acquisition

Maintain “best in class” management team and well-

respected brand

Be not the largest, but the best within our chosen markets

Summary



Proven track record - been there 25+ years



Well managed business, with good range of skills



Actions taken to return to historic growth rates, but with

more predictable profit streams



Additional growth options for Taylor Woodrow, both

organically and by value adding acquisitions



Favourable outlook in North America



Attractive markets



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