Attendee Registration Information

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The Hyatt Regency Orlando (formerly the Peabody) 9801 International Drive Orlando, FL 32819 Tel: 407-284-1234 $249 Single/Double Occupancy $9 Service Fee Includes: Access for 1 guest per room to wireless high-speed Internet service (additional access is currently $2.95 per guest/per day), 2 bottles of wa-ter per day, 2 I-Ride tickets per room per day, use of the Athletic Club, Unlimited local and 800 calls, lobby coffee service 5:30 - 8:30 AM, and shoe shine services.) Reservation Cut-off Date is January 7, 2014 (This property fills up quickly so please make your room reservation early.) Hotel Online MBAF Personalized Reservation Link

(If you must call to make your reservation, mention you are attending the MBAF conference to receive the special rate.) Hotel Toll Free Reservation Number: 800-233-1234 The hotel is convenient to the Orlando International Airport at about 15-20 minute drive. The hotel does not have shuttle service but taxis are plen-tiful. Downtown Orlando is only 15 minute drive but Inter-national Drive has abundant choices for any networking event or dinner you want to plan. Also, the hotel service fee includes two I-Ride Trolley tickets for unlimited use. Click Here to View the Trolley Map The hotel has varied and excellent options for your din-ing. To top off your evening make sure to visit Rocks, a very popular evening spot right at the hotel. Click Here to View the Hotel Options

Please review the schedule for when the registration desk is open to pick up your name badge and conference materials during these times only. Your full registration fee entitles you to attend all seminars, breakfast, lunch, breaks and the receptions in the exhibit hall. BadgesYou will be given a name badge at the registration desk. This badge is proof of your registration and must be worn to all events. You must wear your badge to be admitted to all MBAF sponsored functions or have access to our area. Conference CancellationsPlease note: Refunds are provided minus a $100 cancellation fee if received and acknowledged in writing by January 8, 2014. No refunds can be provided after this date but we do accept substitu-tions. The MBAF must provide guarantees to the hotel and we are unable to make any reductions after our commit-ment is made. Dress CodeBusiness attire is appropriate.

This year we are especially excited about this conference. We have adjusted the program, exhibit sched-ule and speaker line up to be very productive and interactive. We allowed lots of time for networking and to visit our exhibitors. The conference committee is made up of those in this industry and worked on providing a program they would be happy to attend. We know you will agree.

Please consider sponsoring! Platinum and Gold Sponsors! Become one of these high level sponsors and your registration is included with your sponsorship. You receive two registration badges for the full conference with the Platinum Sponsor and one registration badge for the full conference with the Gold Sponsorship. Receive higher recognition while supporting your association and the members. See the sponsorship and registration form for complete information and to register. Also, new this year is the addition of our platinum sponsoring company logos with your link directly on our home page. Check it out at www.mbaf.org

http://orlando.regency.hyatt.com/en/hotel/home.html?src=agn_smg_hr_ppc_google_ss_propertyspecific_mcoro_hyattregencyorlandoconventioncenter&fund=fs&keywordtype=brand&mckv=spy08Gn0J_dc|pcrid|27988224207|mtid|3944cfd18966|https://aws.passkey.com/g/20734126http://www.internationaldriveorlando.com/pdf/marker-map.pdfhttp://orlando.regency.hyatt.com/en/hotel/dining.html

a la mode, inc. AboutYourMortgage.com Acopia Capital Group / Acopia Home Loans Affilated Mortgage Company/Benchmark Bank Affiliated Capital Solutions, LLC Affiliated Mortgage Company Akerman Senterfitt Alarion Bank All Sunshine Real Estate Inc. AllRegs Alvarez, Sambol & Winthrop, PA American Bancshares Mortgage, LLC American Enterprise Institute American Mortgage Law Group AmeriCU Mortgage Ameris Bank Arthur J Gallagher & Co. Associated Software Consultants Atlanta Homeownership Center (FHA) at US Dept. HUD Atlantic Coast Bank Atlas One Financial B of I Federal Bank Baldwin Financial, LLC Bank of America Mortgage BB&T BB&T Correspondent Lending BB&T-Oswald Trippe and Company, Inc. Blanz and Company LLC Bradley Arant Boult Cummings LLC Branch Banking & Trust Co. Branch Banking & Trust Correspondent Lend-ing Buckley Management Advisors Byte Software Calyx Software Capital City Bank Capital Markets Cooperative, LLC Carolina Bank Carrington Mortgage Services CBCInnovis Certified Credit Reporting, Inc. Chase Chase Correspondent Lending Christensen Financial, Inc. CIC Credit/Tax Return Verifications CitiBank N.A. CitiMortgage, Inc. Citizens First Wholesale Mortgage Company Clayton CMG Financial - Correspondent Lending Coastal States Mortgage Corp. Compass Analytics, LLC Customers Bank Warehouse Lending Dart Appraisal Department of Veteran's Affairs-Loan Guar-anty Digital Risk, LLC Ditio Appraisals Ellie Mae Embrace HomeLoans Environmental Data Resources Equity Mortgage Bankers, LLC Essent Guaranty, Inc. e-TEC Appraisal Management Solutions EverBank Fannie Mae-Washington FBC Mortgage, LLC FBI Federal Home Loan Bank of Atlanta Federal Trust Bank FEMBi Mortgage Fidelity Funding Mortgage Fidelity Investments Fifth Third Bank

First Federal Bank of Florida First Tennessee Bank-Mortgage Banking Group Flagstar Bank, FSB Florida Capital Bank Mortgage Florida Commerce Credit Union Florida Insurance Specialists Forsythe Appraisals LLC Franklin American Mortgage Company Freddie Mac Garnet Capital Advisors Garrett, McAuley & Co. Garrett, Watts & Co. GatewayBank of Southwest Florida Genworth Financial Genworth Mortgage Insurance Gilbert Garcia Group P.A. GL Financial Services Global DMS Green Planet Mortgage, LLC Green Tree Servicing LLC Group One Mortgage, Inc. Hamilton Group Funding, Inc. Hancock Bank Home Financing Center Home Lending Source HomeBanc N.A. Mortgage Banking Division ICS Merrill IDCHECK.COM CORP. IMARC Impac Correspondent Infinity International Processing Services, Inc ING Direct InHouse Solutions Interthinx Investors Mortgage Asset Recovery Co. LLC Jefferson Bank of Florida JP Morgan Chase Bank, NA Kinecta Federal Credit Union Kroll Factual Data Lenders One Mortgage Cooperative Lending QB LERETA Flood and Tax Services Liberty Home Equity Solutions, Inc. LoanSifter, Inc. M&I Bank Madison Settlement Services Madison Williams & Co. Market Valuation Services McCaughan Mortgage Company, Inc. MERS Corp Holdings Metamerica Mortgage Bankers Inc. MetLife Home Loans Correspondent Milestone Advisors, LLC Mortgage Bankers Association of Georgia Mortgage Bankers Association, Washington Mortgage Banking Solutions Mortgage Builder Mortgage Builder Software Mortgage Cadence, LLC Mortgage Capital Trading, Inc. (MCT) Mortgage Guaranty Insurance Corp. Mortgage Information Services, Inc. Mortgage Quality Management & Research Mortgage Support Services, Inc. MountainView Capital Holdings MountainView Securities, LLC MPA Consulting, LLC Multi Bank Securities National Mortgage Insurance Corporation Nationstar Correspondent Lending Nationwide Mortgage Navigator Lending Solutions, Inc NewDay Financial LLC Norcom Mortgage NPR Capital, LLC NYCB Mortgage, LLC

Old Florida National Bank Optimal Blue, LLC / Secondary Interactive (an Optimal Blue Company) Peak Performance Resources, Inc. PHH Home Loans, LLC dba Sunbelt Lending PHH Mortgage Pinkert Law Firm, P.A. Platinum Home Mortgage Corp Plaza Home Mortgage PMI Mortgage Insurance Co. Premier Bank Preo Mortgage, LLC PrimeLending, A PlainsCapital Company Professional Lien Search Property Sciences Prospect Mortgage Q Lending QuestSoft Radian Guaranty Inc. RBC Bank Real Estate Closing Solutions RealMetrix Regions Bank Corporate Trust Republic Mortgage Insurance Co. Residential Credit Solutions, Inc. RP Funding, Inc. Seacoast National Bank Seaside National Bank & Trust ServiceLink, FNFs National Lender Platform Sierra Pacific Mortgage Silvergate Bank Warehouse Lending Solidifi, Inc. Source Media Southwest Securities, FSB Southwest Securities, Warehouse Lending Stock Financial, LLC Stonegate Mortgage StoneHill Group, Inc. Sunbelt Lending Services SunTrust Banks SunTrust Mortgage, Inc. SunTrust Wholesale Lending Superior Bank Terrace Mortgage Co. Texas Capital Bank The Mortgage Firm The StoneHill Group, Inc. Thomas Mortgage & Financial Services, Inc. Thomson Reuters Towne Mortgage Company Tradeweb Triserv Appraisal Management Solutions Tropical Financial Credit Union U.S. Bank U.S. Department of Housing and Urban De-velopment U.S. Department of HUD - Tampa Field Of-fice Union Mortgage Investment Group Corp. United Guaranty United Lender Services Corp. Universal American Mortgage Company Urban Trust Bank US Bank US Bank Home Mortgage Vantage Capital Group, LLC Vernis & Bowling, P.A. View Point Bank Volt Waterstone Mortgage Weiner Brodsky Sidman Kider PC Wells Fargo Bank, N.A. Wells Fargo Funding Wells Fargo Home Mortgage Your Mortgage Source, Inc.

Conference Speaker/Session Schedule at a Glance with Exhibit Specific Info/Time in Blue

(please note at the time of this distribution we have a few speakers not listed and still to be announced!)

Wednesday 2/5 1-5:30 PMExhibit Registration and Set-Up and Attendee Registration Opens 3-5 PMRoundtablesSecondary Soup to Nuts NEW exciting interactive session this year. Roundtable announcements coming soon. Facilitator is Chris Whalen, Managing Director, EVP, Carrington Holding Co. Moderator: Rudy Orman, Residential Credit 5-6 PMEconomic Update, Wells Fargo

6-7:30 PMExhibits Open with a Welcome Reception

Thursday 2/6 7:30 AM-4:30 PMExhibit Room Open All Day 7:30-9 AM-Exhibit Room OpensBreakfast and Networking Time 7:30-9 AMCMB Society Breakfast Meeting with speaker, Phil Bracken, CMB, Chief Policy Officer-Government and Industry Relations, Radian (Continue for Bio) 910 AMDave Stevens, President and Chief Executive Officer, MBA (Continue for Bio) 10-11 AMRefreshment Break with the Exhibitors 11 AM12 PM Agency Updates (Speakers TBD) 12-1:30 PMLuncheon with Exhibitors and Networking 1:30-2:30 PMEd Pinto, Resident Fellow, American Enterprise Institute (Continue for Bio) 2:30-3:30 PMServicing Released vs. Servicing Retained: Understanding the Value Proposition Phil Rasori, COO, Mortgage Capital Trading (MCT) (Continue for Bio) 3:30-4:30 PMFinal Exhibit Visits and Networking with an Afternoon Reception (Exhibits Con-clude) 4:30-6 PM(Today's Final Session) - Non-QM Panel with Moderator Trez Moore, Managing Direc-tor Markets, RBS; Panelists: Brian Zdeblick, AMP,VP, National Sales Manager, Wholesale/Correspondent/Warehouse Lending, BofI Federal Bank (Complete panel announcement coming soon!)

Friday 2/7 8-9 AMBreakfast 9-10 AMRob Chrisman (Continue for Bio) Rob will bring us his 10-11 AM"Repurchase Response How to deal with repurchases in the QM marketplace." Discussions around the risk of repurchase requests for QM-non-QM loans, how to protect your organization and what to do when one occurs. John Cosculluela, CMB, American Bancshares Mortgage Eric Randolph, Digital Risk Scott D. Samlin, Partner, Alston & Bird LLP Complete panel announcement coming!)

Conference Concludes at 11 AM

Additional conference planning continues and more speaker confirmations on the way! This is going to be a really great conference with some new interactive roundtables and

speakers that will really bring the secondary market into perspective of what is really going on and expectations of the future. We will be sending updates as they come in.

Special Message Presented by Senator Bob Corker via video feed. Senator Corker is co-author of legis-lation to overhaul the mortgage finance market, including his proposal that private capital take at least 10% of the first loss on mortgage-backed se-curities. He will provide us up-to-date information on this and mortgage finance reform going for-

Phillip W. Bracken, Chief Policy Officer, Head of Government & Industry Relations Radian Guaranty Phil Bracken joined Radian Guaranty in March, 2013 as Chief Policy Officer and Head of the Companys Govern-ment & Industry Relations in Washington, DC. He is Co-Chairman of the Consumer / Lender Roundtable in Washington, DC; President of the Housing Renaissance; and is Founder and Chairman of the Americas Homeowner Alliance the advocacy alliance for the 75 million Homeowners of America. He was formerly Executive Vice President of Wells Fargo Home Mortgage (WFHM) for 15 years. In 2008, Bracken was awarded the lifetime achievement award The Eagle Award - by the National Association of Real Estate Brokers. In 2009, the Mortgage Bankers Association (MBA) of America awarded Bracken their highest honor the Andrew D. Woodward Distinguished Service Award - in recognition of his lifelong dedication and prominent service to MBA and the mortgage lending industry. The National Association of Hispanic Real Estate Professionals (NAHREP) also recognized Bracken in November 2009 with the NAHREP lifetime achievement award The NAHREP Founders Award. He was the creator and architect of the Housing Policy Council of the Financial Services Roundtable in Washington, DC and initiated the Hurricane Katrina Relief Coalition in Washington, DC. Bracken earned a bachelors degree in marketing and management from Eastern Illinois University and played professional baseball before his career in housing finance.

Rob Chrisman Rob Chrisman began his career in mortgage banking - primarily capital markets - 28 years ago in 1985 with First California Mortgage, assisting in Secondary Marketing until 1988, when he joined Tuttle & Co., a leading mortgage pipeline risk management firm. He was an account manager and partner at Tuttle & Co. until 1996, when he moved to Scotland with his family for 9 months. He returned to the United States in mid-1997 and ran Secondary for Standard Financial, a sub-prime lender in northern California. In late 1997 Rob was hired by CrossLand Mortgage to start, and be the president of, a sub-prime company named OnCall Mortgage (a division of CrossLand). OnCall Mortgage was in existence until Wells Fargo purchased First Security Bank (the owner of CrossLand) at the end of 2000. Rob then joined CMG Mortgage, a wholesale mortgage bank, as the Director of Secondary Marketing. In early 2003 and re-joined Tuttle Risk Management Services, Inc. TRMS (now Compass) provides mortgage pipeline risk manage-ment for mortgage companies and thrifts that seek to originate and sell loans into the secondary mortgage mar-ket. In November of 2006 Rob left TRMS to become the Director of Capital Markets for RPM Mortgage, a retail resi-dential lender, leaving there in late 2008 to focus on not only publishing a widely read daily market commentary on current mortgage events but also on his family. In addition to owning Chrisman LLC, he is on the board of directors of several financial services companies, includ-ing Peoples Bank (KS), G5 (CA, a.k.a. Institutional Mortgage), Inheritance Funding Corporation (CA), is an advisor to the Board for First Mortgage (CA), is a member of the Secure Settlements Advisory Board (NJ), an associate of the STRATMOR Group, a member of the California Mortgage Bankers Association, and of the Mortgage Bankers As-sociation of the Carolinas and its membership committee. Rob has provided expert witness services for mortgage and real estate-related cases, has lectured to groups around the country. And still finds time to take his Dad to lunch a few times a week. Rob holds a BS from Cal Poly, San Luis Obispo, and an MBA from UC Berkeley.

Ed Pinto, Resident Fellow, American Enterprise Institute Ed specializes in housing finance and the effect of government housing policies on mortgages, foreclosures, and the availability of affordable housing for working-class families. He is currently researching policy options for re-building the US housing finance sector and writes AEI's monthly FHA Watch. An executive vice president and chief credit officer for Fannie Mae until the late 1980s, Pinto has done ground-breaking research on the role of federal housing policy in the 2008 mortgage and financial crisis. Pinto's work on the Government Mortgage Complex includes seminal research papers submitted to the Financial Crisis Inquiry Commission: "Government Housing Policies in the Lead-up to the Financial Crisis" and "Triggers of the Financial Crisis." In December 2012, he completed a study of 2.4 million Federal Housing Administration (FHA)-insured loans and found that FHA policies have resulted in a high proportion of working-class families losing their homes. Pinto has a J.D. from Indiana University Maurer School of Law and a B.A. from the University of Illinois at Urbana-Champaign.

Phil Rasori, COO, Mortgage Capital Trading (MCT) Phil is a recognized thought-leader in capital markets operations within the mortgage banking community. His are-as of expertise include complex financial modeling, computational dynamics, and linear programming for opera-tional optimization. He developed the ground-breaking mortgage pipeline hedging algorithms that form the foun-dation of MCTs HALO Program today. He has also pioneered several metrics that have become standard industry parlance, including beta pull-through factors" and "theta hedges." In addition to banking clients, Mr. Rasori has consulted with GSE agencies and the Federal Reserve Bank on hedging best practices for community banks. Mr. Rasori, has functionally led MCT operations since 2005 and ascended to his current role as COO in 2007. In Decem-ber 2010, Phil Rasori was recognized by National Mortgage Professional Magazine as one of the 40 most influential young executives in the mortgage industry.

David H. Stevens, President and Chief Executive Officer, Mortgage Bank-ers Association David Stevens is President and CEO of the Mortgage Bankers Association (MBA). Prior to assuming this position, Dave served as the Assistant Secretary for Housing and Federal Housing Commissioner at the U.S. Department of Housing and Urban Development (HUD). Dave has more than 30 years of experience in mortgage finance and has held several exec-utive level positions in sales, acquisition, investment, risk management and regulatory oversight, including positions in senior management with Wells Fargo, Freddie Mac and World Savings. Prior to his appointment by the Obama Administration to serve at HUD, Dave was President and COO of the Long and Foster Companies.

He is known inside the beltway as a key housing influential; serving as an industry authority on major mortgage finance legislative and regulatory issues. Dave is often quoted the national media and regularly appears trade me-dia on issues affecting the mortgage and housing markets. In 2013, Dave received the National Association of Hispanic Real Estate Professionals (NAHREP) Founders Award, presented to individuals that have distinguished themselves by their work in support of sustainable Hispanic home-ownership to improve the quality of life for Hispanics in Americ a. He has been named to Bloombergs 50 Most Powerful People in Real Estate list, and twice recognized as one of the Top 100 Most Influential Real Estate Leaders by Inman News and named one of Swanepoel REAL ESTATE TRENDS Reports top ten "Newsmakers" of the year. He currently serves on the Hope Loan Port board of directors, and also serves on the board of MBA Opens Doors Foundation, MBAs national 501(c) 3 nonprofit organization for philanthropic ventures. Dave is a graduate of the University of Colorado, Boulder.

More Speaker Bios On the Way~

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February 5-7, 2014

11th Annual

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CMB Society of Florida BreakfastCheck here to attend the CMB Breakfast Meeting on Thursday from 7:309 AM.

If you register for the full conference below there is no additional charge but you still must RSVP so we have a count for space and food.

BEST DEAL! Save $125 per registrant

(if received on or before 12/2/2013) Member $300

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GREAT DEAL! Save $50 per registrant

(register 12/3/2013 1/06/2014) Member $375

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NORMAL REGISTRATION FEES All registrations received after

01/6/2014 Member $425

Non-Member $525

HOW TO REGISTER You can register yourself online via www.mbaf.org, just login and complete the information, or for the first time you are able to fill in this form by typing on the computer then just click the submit button below or you can always mail the form to the address below. Please note: Refunds are provided minus a $100 cancellation fee if received and acknowledged in writing by January 8, 2014. No refunds can be provided after this date but we do accept substitutions.

ATTENDEE REGISTRATION FEESThe Earlier You Register the More you Save!

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Sponsorship Opportunities

Platinum and Gold Levels Includes Exhibit Space and Reps

or Regular Attendee Conference Registrations

Platinum Sponsorship$3,000

Prime Exhibit Booth with TWO Rep Registrations OR if no

Booth required, two full conference registrations are included.

Full-page color ad in the conference program: 8 wide x 10.5 high

Signage displayed during the conference, special recognition at

events, scrolling logo on the homepage of our new web site with

your company link until the next year. Check it out at

www.mbaf.org

Silver Sponsorship$1,000

Quarter-page black and white ad in the conference program:

4 wide x 5.25 high

Signage displayed during the conference, special recognition at

events.

Gold Sponsorship$2,000

Prime Exhibit Booth with ONE Rep Registration OR if no Booth

Required, one full conference registration included.

Half-page color ad in the conference program:

Horizontal: 8 wide x 5.25 high or Vertical: 4 wide x 10.5 high

Signage displayed during the conference, special recognition at

events, company logo as a gold sponsor on the web site after the

conference.

Bronze Sponsorship$800

Business card black and white ad in the conference program.

Signage displayed during the conference, special recognition at

events

IMPORTANT: Platinum and Gold Sponsors:

If you plan to exhibit please complete the exhibit form

and return it along with your sponsorship form so we have com-

plete information for your booth, and reps.

NON-Exhibiting Platinum and Gold Sponsors:

Platinum receives two regular attendee registrations and gold re-

ceives one so fill out the attendee registration forms for these regis-

trants as well as the sponsorship form and return.

Important Artwork Deadline: The deadline to receive ar twork for our pr inting of the conference program is Tuesday January 7, 2014. Please

provide in High-resolution PDF or JPG format according to the sizes listed above for the specific sponsorship. Ads will be inserted as is and we are not

responsible for incorrect content you provide to us. All ads must be emailed to mbaf@mbaf.org. You will receive an email confirmation that we re-

ceived your ad, if you dont then we did not receive it. Platinum sponsors please email your logo and web link to place on our home page and for all

recognition purposes. Gold sponsors email your logo.

Company Contact Person

(please show the Company name as it should be listed on all recognition materials)

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February 57, 2014

With four sponsorship levels we make your support affordable for all budgets. Every little bit helps your professional association while providing you the recognition you deserve.

astern Secondary

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11th Annual

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2014 Attendee Registration Packet-12-5-2013 INFO FOR WEBRegistration Form 2014 SEC Fillable-Email VersionSponsorship Form 2014 SEC Fillable-Email Version

Credit Card Billing Address and Phone Number of Card Holder indicate only if different from ABOVE 1: Credit Card Billing Address and Phone Number of Card Holder indicate only if different from ABOVE 2: Name as you wish it to appear on your name badge: Address: I am an MBAF Member: I am a NonMember: This is my first MBAF Conferencededuct 50: I am a member of another state association: If you are a member of another mortgage banking association we will extend you our member registration rate: I am a CMB: I am disabled and would like to be contacted to discuss my special needs: Please indicate any special dietary considerations: CMB Society of Florida BreakfastCheck here to attend the CMB Breakfast Meeting on Thursday from 7309 AM: Member: NonMember: Member_2: NonMember_2: Member_3: NonMember_3: Button2: VISAMCAMEX Credit Card: Expiration: Verification Code: ESigner of Card Holder: PLEASE PRINT Name as it appears on the card: Credit Card Billing Address and Phone Number of Card Holder indicate only if different from Contact ABOVE 1: Credit Card Billing Address and Phone Number of Card Holder indicate only if different from Contact ABOVE 2: Is this a corporate card: Platinum Sponsorship3000: Silver Sponsorship1000: Gold Sponsorship2000: Bronze Sponsorship800: Company: Contact Person: ddress: CityStateZip: Phone: Email: SUBMIT: