Set Your Course Through the MazeABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

Enjoy New Orleans with its unique contemporary culture and ties to a romantic French-inspired past. In the Big Easy, centuries-old architecture is the backdrop for city life culture so invigorating, it’ll rouse your spirit. Whether you’re a sports fan, history buff, outdoor adventurer, aspiring chef or music lover, there’s an attraction in New Orleans waiting to be discovered.

The ABA Real Estate Conference takes place at the Hyatt Regency New Orleans, located approximately 13 miles from the Louis Armstrong New Orleans International Airport (MSY).

New Orleans— Your Conference Host City.

ABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

1120 Connecticut Avenue Washington, DC 20036

“Attend the ABA Real Estate Lending Conference and stay abreast of regulatory and economic factors that impact every bank in the country— and learn how to do more than just survive, but thrive, in these times.”

Kelly GaethVice President

First National Bank of Omaha, Nebraska

David F. AlrichsEVP/Chief Credit OfficerYakima National Bank Washington

Sabine S. BouchereauPortfolio Manager VP, Commercial Real EstateBankUnited Florida

Robert BroeksmitSenior DirectorTreliant Risk Advisors Washington, D.C.

Nicole B. DanielsVP, Loan AdministrationNorth Shore Bank Wisconsin

Mark Della CameraEVP, Loan Administration Stifel Bank Missouri

Louise Ann FrancisNational Bank Examiner and Technical Expert Credit Risk Policy DivisionComptroller of the Currency Washington, D.C.

Thomas J. Finnegan IIIPresident & CEOFirstMerit Mortgage Ohio

Kelly GaethVice PresidentFirst National Bank of Omaha Nebraska

Philip B. GoncalvesFirst Vice PresidentCountry Bank for Savings Massachusetts

Kevin J. HansenSVP/ Residential Lending ManagerGate City Bank North Dakota

Brenda HughesSVP/Director of Real Estate LendingFirst Federal Savings Bank of Twin Falls Idaho

Derrick JacksonSVP/Chief Credit Officer Commonwealth Bank and Trust Kentucky

Lori J. Pinto, CMB SVP, Business DevelopmentCenlar FSB New Jersey

Bruce SchultzVP, Secondary MarketingSpiritBank Oklahoma

Kenneth R. TottenVice President & CLOMetuchen Savings Bank New Jersey

Sharon L. WhitakerChief Retail & Lending OfficerLake Sunapee Bank FSB New Hampshire

Advisory Board

Real estate lending is a maze of rules, regulations and unpredictable business demands.

Do you know which direction to take?

Plan to attend the 2013 ABA Real Estate Lending Conference and choose the path that’s right for you.Hear from commercial and residential lending experts who understand the issues you face every day. No other single meeting covers more ground or gives you the insights to succeed in this challenging real estate market.

Developed by bankers for bankers, this event provides:

• Access to key lending experts, federal regulators and fellow bankers who can help you prepare for regulatory, secondary market, capital requirement and servicing changes

• Fresh insights on new market opportunities and solutions you can immediately use

• Big picture analyses and economic trends to help you set your course during uncertain market conditions.

Register Team Members for Significant SavingsABA members save $500 for every additional team registrant from the same institution:

ABA Member Early Bird* $ 990ABA Member $ 1,190ABA Team Member $ 690ABA Nonmember $1,690Spouse/Guest $ 125

*Early Bird discounts in effect until January 31, 2013.

Register online today at aba.com/REL. Or call 1-800-BANKERS (1-800-226-5377)

Hear what other banks are doing to address the same issues faced by your institution. Share experiences and validate your strategic direction.

Who Should AttendChief Lending OfficersReal Estate Loan OfficersBranch ManagersServicing ManagersSecondary Market OfficersLoan Production ManagersLoan UnderwritersLegal Counsel

Scott Polakoff Executive Managing Director FinPro Incorporated

What Top Performing Lenders Have In CommonSome banks have performed well even in difficult real estate markets. Geographic location has been a factor, but there are other keys to success regardless of where you operate. Scott Polakoff, a seasoned expert, distills those characteristics that have made successful commercial and residential real estate lending operations.Polokoff has seen it all as a cutting-edge consultant, trusted adviser, and senior banking regulator during crisis. Don’t miss his dissection of what has worked, and what hasn’t.

Robert Broeksmit Senior Director Treliant Risk Advisors

OK- So Now What?Bob Broeskmit and a group of industry leaders tie together the new economic and regulatory realities into a clear and cohesive roadmap for both commercial and real estate lenders. Broeskmit, now a consultant with Treliant, is the former head of Mortgage Lending for Chevy Chase Bank and a former Chairman of the ABA Mortgage Markets Committee. Bringing this global insight, Broeksmit is uniquely equipped to guide industry leaders through a provocative, informative and entertaining discussion. Miss it and you might miss the path forward.

New Schedule for 2013

Wednesday, April 10, 2013 Thursday, April 11, 2013 Friday, April 12, 2013

Arrivals and Registration8:00 AM – 6:00 PM

General and Concurrent Sessions 8:00 AM – 5:00 PM.

General and Concurrent Sessions 8:00 AM – 12:30 PM

Concurrent Sessions 3:30 PM – 5:00 PM. NEW!

Exhibit Hall Open During Lunch and Breaks

Exhibit Hall Open During Breakfast and Break

Opening Reception5:00 - 6:15 PM

Reception in the Market Place 5:30 - 6:30 PM

Conference Adjourns 12:30 PM. NEW!

*Session Topics for 2013Residential Mortgage Lending Commercial Real Estate Lending

WEDNESDAYSales Techniques for Turbulent TimesDiscover new ways to attract borrowers that will stay with your loan officers throughout their mortgage lifetime.

Sales Techniques for Turbulent TimesHow does a loan bank increase loan business when all the banks are chasing the same quality loans?

THURSDAYQualified Mortgages: the Changing Landscape of Mortgage Lending and the Impact on Community BanksJoin a discussion on whether loans should be made outside of the qualified mortgage definition—and whether there are risks in making loans within the QM definition.

TDRs—Aligning Business Process with Regulator ExpectationsA complete review of TDRs from how to determine if financial hardship exists, how to determine if a credit has “recovered”, accounting implications, plus what examiners expect regarding identifying and tracking TDRs

A Business Update with Freddie Mac, Fannie Mae and GNMAJoin representatives from the biggest players in the secondary mortgage market and hear the latest business requirements for doing business with Fannie Mae and Freddie Mac. Learn about new options and explore the benefits of being a direct issuer with Ginnie Mae.

Appraisal Requirements and ValuationsLearn the 10 bullet points your institution’s appraisal policies or procedures must contain, plus how to avoid common pitfalls that result in violations. Discover what the examiners’ expectations are regarding internal evaluations and appraisal validations.

Secondary Market Execution Options Our panel of experts discusses the various secondary market alternatives and evaluates the potential risks and rewards associated with the various execution models. Decide which strategy fits your company’s risk tolerance.

Credit Underwriting and the Bank’s Role in Risk ManagementThe growing importance of global cash flow, evaluating the importance of an individual’s personal guarantee, and evaluating a bank’s risk exposure are aspects covered in this session.

Through the Eye of the Needle: RESPA, TILA, HOEPA, MLO compensationHow will you comply with an All-In APR, three-day advance settlement statements, revised high-cost loan thresholds, and many other new requirements? Learn about the new rules and how to manage the legal reforms.

The Implications of New Capital Requirements on CRE Business DecisionsWhat are the implications for CRE lending of the proposed capital requirements; what type of CRE loans might be subject to the proposed 150% risk rating requirement, and what are the impacts on CRE underwriting standards and past due loans?

FRIDAYManaging Compliance and Quality ControlOur panel of experts discuss secondary market execution alternatives and evaluate the potential risks and rewards associated with the various execution models, including Federal Home Loan Bank programs, and servicing retained and released approaches. Many options are available and determining what is right for your bank starts with knowing each execution strategy along with the risk and rewards associated with it.

Stress Testing Part I—How To Implement Or ImproveStress testing does not have to be complex or extremely sophisticated, but it needs to be functional for your organization. Come away with ideas and examples of how to implement or improve a stress testing program for your bank, no matter what size organization you work for.

Servicing—Operational Solutions and Best Practices to Meet New Regulation ChallengesWhat have you done to analyze the impact of the CFPB’s servicing regulations on your current processes? Do you need more staff? Do you need to upgrade your technology? How will you be able to show regulators that you are compliant? Learn what others have implemented and are recommending to help you stay ahead!

Stress Testing Part II—What to Do with the Results?You’ve completed your stress test, now what? This session answers the question of what to do with your stress testing results, and determining what the end game is for capital planning.

* subject to change

Keynote Speakers

Real estate lending is a maze of rules, regulations and unpredictable business demands.

Do you know which direction to take?

Plan to attend the 2013 ABA Real Estate Lending Conference and choose the path that’s right for you.Hear from commercial and residential lending experts who understand the issues you face every day. No other single meeting covers more ground or gives you the insights to succeed in this challenging real estate market.

Developed by bankers for bankers, this event provides:

• Access to key lending experts, federal regulators and fellow bankers who can help you prepare for regulatory, secondary market, capital requirement and servicing changes

• Fresh insights on new market opportunities and solutions you can immediately use

• Big picture analyses and economic trends to help you set your course during uncertain market conditions.

Register Team Members for Significant SavingsABA members save $500 for every additional team registrant from the same institution:

ABA Member Early Bird* $ 990ABA Member $ 1,190ABA Team Member $ 690ABA Nonmember $1,690Spouse/Guest $ 125

*Early Bird discounts in effect until January 31, 2013.

Register online today at aba.com/REL. Or call 1-800-BANKERS (1-800-226-5377)

Hear what other banks are doing to address the same issues faced by your institution. Share experiences and validate your strategic direction.

Who Should AttendChief Lending OfficersReal Estate Loan OfficersBranch ManagersServicing ManagersSecondary Market OfficersLoan Production ManagersLoan UnderwritersLegal Counsel

Scott Polakoff Executive Managing Director FinPro Incorporated

What Top Performing Lenders Have In CommonSome banks have performed well even in difficult real estate markets. Geographic location has been a factor, but there are other keys to success regardless of where you operate. Scott Polakoff, a seasoned expert, distills those characteristics that have made successful commercial and residential real estate lending operations.Polokoff has seen it all as a cutting-edge consultant, trusted adviser, and senior banking regulator during crisis. Don’t miss his dissection of what has worked, and what hasn’t.

Robert Broeksmit Senior Director Treliant Risk Advisors

OK- So Now What?Bob Broeskmit and a group of industry leaders tie together the new economic and regulatory realities into a clear and cohesive roadmap for both commercial and real estate lenders. Broeskmit, now a consultant with Treliant, is the former head of Mortgage Lending for Chevy Chase Bank and a former Chairman of the ABA Mortgage Markets Committee. Bringing this global insight, Broeksmit is uniquely equipped to guide industry leaders through a provocative, informative and entertaining discussion. Miss it and you might miss the path forward.

New Schedule for 2013

Wednesday, April 10, 2013 Thursday, April 11, 2013 Friday, April 12, 2013

Arrivals and Registration8:00 AM – 6:00 PM

General and Concurrent Sessions 8:00 AM – 5:00 PM.

General and Concurrent Sessions 8:00 AM – 12:30 PM

Concurrent Sessions 3:30 PM – 5:00 PM. NEW!

Exhibit Hall Open During Lunch and Breaks

Exhibit Hall Open During Breakfast and Break

Opening Reception5:00 - 6:15 PM

Reception in the Market Place 5:30 - 6:30 PM

Conference Adjourns 12:30 PM. NEW!

*Session Topics for 2013Residential Mortgage Lending Commercial Real Estate Lending

WEDNESDAYSales Techniques for Turbulent TimesDiscover new ways to attract borrowers that will stay with your loan officers throughout their mortgage lifetime.

Sales Techniques for Turbulent TimesHow does a loan bank increase loan business when all the banks are chasing the same quality loans?

THURSDAYQualified Mortgages: the Changing Landscape of Mortgage Lending and the Impact on Community BanksJoin a discussion on whether loans should be made outside of the qualified mortgage definition—and whether there are risks in making loans within the QM definition.

TDRs—Aligning Business Process with Regulator ExpectationsA complete review of TDRs from how to determine if financial hardship exists, how to determine if a credit has “recovered”, accounting implications, plus what examiners expect regarding identifying and tracking TDRs

A Business Update with Freddie Mac, Fannie Mae and GNMAJoin representatives from the biggest players in the secondary mortgage market and hear the latest business requirements for doing business with Fannie Mae and Freddie Mac. Learn about new options and explore the benefits of being a direct issuer with Ginnie Mae.

Appraisal Requirements and ValuationsLearn the 10 bullet points your institution’s appraisal policies or procedures must contain, plus how to avoid common pitfalls that result in violations. Discover what the examiners’ expectations are regarding internal evaluations and appraisal validations.

Secondary Market Execution Options Our panel of experts discusses the various secondary market alternatives and evaluates the potential risks and rewards associated with the various execution models. Decide which strategy fits your company’s risk tolerance.

Credit Underwriting and the Bank’s Role in Risk ManagementThe growing importance of global cash flow, evaluating the importance of an individual’s personal guarantee, and evaluating a bank’s risk exposure are aspects covered in this session.

Through the Eye of the Needle: RESPA, TILA, HOEPA, MLO compensationHow will you comply with an All-In APR, three-day advance settlement statements, revised high-cost loan thresholds, and many other new requirements? Learn about the new rules and how to manage the legal reforms.

The Implications of New Capital Requirements on CRE Business DecisionsWhat are the implications for CRE lending of the proposed capital requirements; what type of CRE loans might be subject to the proposed 150% risk rating requirement, and what are the impacts on CRE underwriting standards and past due loans?

FRIDAYManaging Compliance and Quality ControlOur panel of experts discuss secondary market execution alternatives and evaluate the potential risks and rewards associated with the various execution models, including Federal Home Loan Bank programs, and servicing retained and released approaches. Many options are available and determining what is right for your bank starts with knowing each execution strategy along with the risk and rewards associated with it.

Stress Testing Part I—How To Implement Or ImproveStress testing does not have to be complex or extremely sophisticated, but it needs to be functional for your organization. Come away with ideas and examples of how to implement or improve a stress testing program for your bank, no matter what size organization you work for.

Servicing—Operational Solutions and Best Practices to Meet New Regulation ChallengesWhat have you done to analyze the impact of the CFPB’s servicing regulations on your current processes? Do you need more staff? Do you need to upgrade your technology? How will you be able to show regulators that you are compliant? Learn what others have implemented and are recommending to help you stay ahead!

Stress Testing Part II—What to Do with the Results?You’ve completed your stress test, now what? This session answers the question of what to do with your stress testing results, and determining what the end game is for capital planning.

* subject to change

Keynote Speakers

Real estate lending is a maze of rules, regulations and unpredictable business demands.

Do you know which direction to take?

Plan to attend the 2013 ABA Real Estate Lending Conference and choose the path that’s right for you.Hear from commercial and residential lending experts who understand the issues you face every day. No other single meeting covers more ground or gives you the insights to succeed in this challenging real estate market.

Developed by bankers for bankers, this event provides:

• Access to key lending experts, federal regulators and fellow bankers who can help you prepare for regulatory, secondary market, capital requirement and servicing changes

• Fresh insights on new market opportunities and solutions you can immediately use

• Big picture analyses and economic trends to help you set your course during uncertain market conditions.

Register Team Members for Significant SavingsABA members save $500 for every additional team registrant from the same institution:

ABA Member Early Bird* $ 990ABA Member $ 1,190ABA Team Member $ 690ABA Nonmember $1,690Spouse/Guest $ 125

*Early Bird discounts in effect until January 31, 2013.

Register online today at aba.com/REL. Or call 1-800-BANKERS (1-800-226-5377)

Hear what other banks are doing to address the same issues faced by your institution. Share experiences and validate your strategic direction.

Who Should AttendChief Lending OfficersReal Estate Loan OfficersBranch ManagersServicing ManagersSecondary Market OfficersLoan Production ManagersLoan UnderwritersLegal Counsel

Scott Polakoff Executive Managing Director FinPro Incorporated

What Top Performing Lenders Have In CommonSome banks have performed well even in difficult real estate markets. Geographic location has been a factor, but there are other keys to success regardless of where you operate. Scott Polakoff, a seasoned expert, distills those characteristics that have made successful commercial and residential real estate lending operations.Polokoff has seen it all as a cutting-edge consultant, trusted adviser, and senior banking regulator during crisis. Don’t miss his dissection of what has worked, and what hasn’t.

Robert Broeksmit Senior Director Treliant Risk Advisors

OK- So Now What?Bob Broeskmit and a group of industry leaders tie together the new economic and regulatory realities into a clear and cohesive roadmap for both commercial and real estate lenders. Broeskmit, now a consultant with Treliant, is the former head of Mortgage Lending for Chevy Chase Bank and a former Chairman of the ABA Mortgage Markets Committee. Bringing this global insight, Broeksmit is uniquely equipped to guide industry leaders through a provocative, informative and entertaining discussion. Miss it and you might miss the path forward.

New Schedule for 2013

Wednesday, April 10, 2013 Thursday, April 11, 2013 Friday, April 12, 2013

Arrivals and Registration8:00 AM – 6:00 PM

General and Concurrent Sessions 8:00 AM – 5:00 PM.

General and Concurrent Sessions 8:00 AM – 12:30 PM

Concurrent Sessions 3:30 PM – 5:00 PM. NEW!

Exhibit Hall Open During Lunch and Breaks

Exhibit Hall Open During Breakfast and Break

Opening Reception5:00 - 6:15 PM

Reception in the Market Place 5:30 - 6:30 PM

Conference Adjourns 12:30 PM. NEW!

*Session Topics for 2013Residential Mortgage Lending Commercial Real Estate Lending

WEDNESDAYSales Techniques for Turbulent TimesDiscover new ways to attract borrowers that will stay with your loan officers throughout their mortgage lifetime.

Sales Techniques for Turbulent TimesHow does a loan bank increase loan business when all the banks are chasing the same quality loans?

THURSDAYQualified Mortgages: the Changing Landscape of Mortgage Lending and the Impact on Community BanksJoin a discussion on whether loans should be made outside of the qualified mortgage definition—and whether there are risks in making loans within the QM definition.

TDRs—Aligning Business Process with Regulator ExpectationsA complete review of TDRs from how to determine if financial hardship exists, how to determine if a credit has “recovered”, accounting implications, plus what examiners expect regarding identifying and tracking TDRs

A Business Update with Freddie Mac, Fannie Mae and GNMAJoin representatives from the biggest players in the secondary mortgage market and hear the latest business requirements for doing business with Fannie Mae and Freddie Mac. Learn about new options and explore the benefits of being a direct issuer with Ginnie Mae.

Appraisal Requirements and ValuationsLearn the 10 bullet points your institution’s appraisal policies or procedures must contain, plus how to avoid common pitfalls that result in violations. Discover what the examiners’ expectations are regarding internal evaluations and appraisal validations.

Secondary Market Execution Options Our panel of experts discusses the various secondary market alternatives and evaluates the potential risks and rewards associated with the various execution models. Decide which strategy fits your company’s risk tolerance.

Credit Underwriting and the Bank’s Role in Risk ManagementThe growing importance of global cash flow, evaluating the importance of an individual’s personal guarantee, and evaluating a bank’s risk exposure are aspects covered in this session.

Through the Eye of the Needle: RESPA, TILA, HOEPA, MLO compensationHow will you comply with an All-In APR, three-day advance settlement statements, revised high-cost loan thresholds, and many other new requirements? Learn about the new rules and how to manage the legal reforms.

The Implications of New Capital Requirements on CRE Business DecisionsWhat are the implications for CRE lending of the proposed capital requirements; what type of CRE loans might be subject to the proposed 150% risk rating requirement, and what are the impacts on CRE underwriting standards and past due loans?

FRIDAYManaging Compliance and Quality ControlOur panel of experts discuss secondary market execution alternatives and evaluate the potential risks and rewards associated with the various execution models, including Federal Home Loan Bank programs, and servicing retained and released approaches. Many options are available and determining what is right for your bank starts with knowing each execution strategy along with the risk and rewards associated with it.

Stress Testing Part I—How To Implement Or ImproveStress testing does not have to be complex or extremely sophisticated, but it needs to be functional for your organization. Come away with ideas and examples of how to implement or improve a stress testing program for your bank, no matter what size organization you work for.

Servicing—Operational Solutions and Best Practices to Meet New Regulation ChallengesWhat have you done to analyze the impact of the CFPB’s servicing regulations on your current processes? Do you need more staff? Do you need to upgrade your technology? How will you be able to show regulators that you are compliant? Learn what others have implemented and are recommending to help you stay ahead!

Stress Testing Part II—What to Do with the Results?You’ve completed your stress test, now what? This session answers the question of what to do with your stress testing results, and determining what the end game is for capital planning.

* subject to change

Keynote Speakers

Set Your Course Through the MazeABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

Enjoy New Orleans with its unique contemporary culture and ties to a romantic French-inspired past. In the Big Easy, centuries-old architecture is the backdrop for city life culture so invigorating, it’ll rouse your spirit. Whether you’re a sports fan, history buff, outdoor adventurer, aspiring chef or music lover, there’s an attraction in New Orleans waiting to be discovered.

The ABA Real Estate Conference takes place at the Hyatt Regency New Orleans, located approximately 13 miles from the Louis Armstrong New Orleans International Airport (MSY).

New Orleans— Your Conference Host City.

ABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

1120 Connecticut Avenue Washington, DC 20036

“Attend the ABA Real Estate Lending Conference and stay abreast of regulatory and economic factors that impact every bank in the country— and learn how to do more than just survive, but thrive, in these times.”

Kelly GaethVice President

First National Bank of Omaha, Nebraska

David F. AlrichsEVP/Chief Credit OfficerYakima National Bank Washington

Sabine S. BouchereauPortfolio Manager VP, Commercial Real EstateBankUnited Florida

Robert BroeksmitSenior DirectorTreliant Risk Advisors Washington, D.C.

Nicole B. DanielsVP, Loan AdministrationNorth Shore Bank Wisconsin

Mark Della CameraEVP, Loan Administration Stifel Bank Missouri

Louise Ann FrancisNational Bank Examiner and Technical Expert Credit Risk Policy DivisionComptroller of the Currency Washington, D.C.

Thomas J. Finnegan IIIPresident & CEOFirstMerit Mortgage Ohio

Kelly GaethVice PresidentFirst National Bank of Omaha Nebraska

Philip B. GoncalvesFirst Vice PresidentCountry Bank for Savings Massachusetts

Kevin J. HansenSVP/ Residential Lending ManagerGate City Bank North Dakota

Brenda HughesSVP/Director of Real Estate LendingFirst Federal Savings Bank of Twin Falls Idaho

Derrick JacksonSVP/Chief Credit Officer Commonwealth Bank and Trust Kentucky

Lori J. Pinto, CMB SVP, Business DevelopmentCenlar FSB New Jersey

Bruce SchultzVP, Secondary MarketingSpiritBank Oklahoma

Kenneth R. TottenVice President & CLOMetuchen Savings Bank New Jersey

Sharon L. WhitakerChief Retail & Lending OfficerLake Sunapee Bank FSB New Hampshire

Advisory Board

Set Your Course Through the MazeABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

Enjoy New Orleans with its unique contemporary culture and ties to a romantic French-inspired past. In the Big Easy, centuries-old architecture is the backdrop for city life culture so invigorating, it’ll rouse your spirit. Whether you’re a sports fan, history buff, outdoor adventurer, aspiring chef or music lover, there’s an attraction in New Orleans waiting to be discovered.

The ABA Real Estate Conference takes place at the Hyatt Regency New Orleans, located approximately 13 miles from the Louis Armstrong New Orleans International Airport (MSY).

New Orleans— Your Conference Host City.

ABA Real Estate Lending ConferenceApril 10–12, 2013 | Hyatt Regency New Orleans | New Orleans, Louisiana

1120 Connecticut Avenue Washington, DC 20036

“Attend the ABA Real Estate Lending Conference and stay abreast of regulatory and economic factors that impact every bank in the country— and learn how to do more than just survive, but thrive, in these times.”

Kelly GaethVice President

First National Bank of Omaha, Nebraska

David F. AlrichsEVP/Chief Credit OfficerYakima National Bank Washington

Sabine S. BouchereauPortfolio Manager VP, Commercial Real EstateBankUnited Florida

Robert BroeksmitSenior DirectorTreliant Risk Advisors Washington, D.C.

Nicole B. DanielsVP, Loan AdministrationNorth Shore Bank Wisconsin

Mark Della CameraEVP, Loan Administration Stifel Bank Missouri

Louise Ann FrancisNational Bank Examiner and Technical Expert Credit Risk Policy DivisionComptroller of the Currency Washington, D.C.

Thomas J. Finnegan IIIPresident & CEOFirstMerit Mortgage Ohio

Kelly GaethVice PresidentFirst National Bank of Omaha Nebraska

Philip B. GoncalvesFirst Vice PresidentCountry Bank for Savings Massachusetts

Kevin J. HansenSVP/ Residential Lending ManagerGate City Bank North Dakota

Brenda HughesSVP/Director of Real Estate LendingFirst Federal Savings Bank of Twin Falls Idaho

Derrick JacksonSVP/Chief Credit Officer Commonwealth Bank and Trust Kentucky

Lori J. Pinto, CMB SVP, Business DevelopmentCenlar FSB New Jersey

Bruce SchultzVP, Secondary MarketingSpiritBank Oklahoma

Kenneth R. TottenVice President & CLOMetuchen Savings Bank New Jersey

Sharon L. WhitakerChief Retail & Lending OfficerLake Sunapee Bank FSB New Hampshire

Advisory Board