The transaction comprises collateral originated by EBS Building Society.4 Plc (Emerald 4), following a satisfactory review of this transaction. Fitch Ratings-London-07 July 2008: Fitch Ratings has today affirmed all tranches of Emerald Mortgages No. Fortunately though, broker's fees, like lender fees, are negotiable. So be prepared to practice you negotiating skills so you can best the best rate.