SERVICING

MBA’S NATIONAL MORTGAGE SERVICING CONFERENCE & EXPO 2009 PRESERVING the DREAM Tampa Convention Center • Tampa, Fla. February 17–20, 2009 MBA’S NATIONAL MORTGAGE SERVICING CONFERENCE & EXPO 2009 2008 has been a year of landmark legislation for the real estate finance industry. This summer’s Housing and Economic Recovery Act (HERA) is already bringing new challenges to servicers, while mortgage professionals wait to see what developments October’s Emergency Economic Stabilization Act (EESA) will bring. Servicing executives are acutely aware that to be successful they must continuously evaluate operational efficiencies, stay current on regulatory and legislative changes and develop new and competitive strategies to maximize the bottom line. Join your peers in Preserving the Dream at MBA’s National Mortgage Servicing Conference & Expo 2009. Panel sessions, conducted by seasoned industry professionals, government agency officials and secondary market investors appeal to a variety of interest and experience levels, and include such topics as bankruptcy and foreclosure management, outsourcing and off-shoring, servicing specialty loan products, agency updates, customer retention strategies, regulatory and legal issues and more. PRESERVING the DREAM Tampa Convention Center • Tampa, Fla. Visit the conference exhibit hall and network with key decision makers, obtain qualified leads and explore special demonstrations of industry related products, technologies and services that can help you reach your goals in 2009. Who Should Attend Residential mortgage loan servicers including senior management, servicing managers, department heads, default managers, customer service managers, service providers, attorneys and other servicing personnel. Opening General Session on Wednesday, February 18 Keynote Speaker: Dave Barry Pulitzer Prize-Winning Columnist and Best-Selling Author and Satirist Dave Barry, syndicated humor columnist, has appeared in more than 500 newspapers in the United States and abroad during the last 25 years. Winner of a Pulitzer Prize for Commentary in 1988, Barry has written 30 books, two of which were used as the basis for the CBS sitcom Dave’s World. Barry has also made many television appearances on CBS’s Late Show with David Letterman. sponsored by Conference Schedule Tuesday, February 17 7:30 a.m.–7:00 p.m. Program subject to change 10:45 a.m.–12:15 p.m. Conference Registration 8:30 a.m. Golf Tournament 4:00 p.m.–6:00 p.m. Concurrent Sessions • Servicing Government Loans • Mortgage Litigation: Current Trends and Issues • Loan Level Analytics • Next Generation Servicers 12:15 p.m.–1:30 p.m. Thursday, February 19 7:30 a.m.–5:00 p.m. 12:30 p.m.–1:45 p.m. Luncheon in the Exhibit Hall sponsored by: Conference Registration 8:00 a.m.–9:00 a.m. 2:00 p.m.–3:30 p.m. New Member Breakfast 8:00 a.m.–9:15 a.m. HUD/VA Subcommittee Meeting 4:00 p.m.–7:00 p.m. Luncheon in the Exhibit Hall 1:30 p.m–3:00 p.m. Coffee Break 9:15 a.m.–10:45 a.m. Exhibit Hall Open 6:00 p.m.–7:00 p.m. Welcoming Reception in the Exhibit Hall Wednesday, February 18 7:30 a.m.–6:30 p.m. Conference Registration 8:30 a.m.–10:00 a.m. Concurrent Sessions • Bankruptcy Litigation in Today’s New World • Fannie Mae/Freddie Mac Update • Lessons Learned from the Credit Crisis: How to Build a Sustainable Servicing Operation for the Future • From Reactive to Proactive: Leveraging Technology for Process Improvements 3:00 p.m.–3:15 p.m. Concurrent Sessions • Innovative Payment Strategies in an Economic Downturn • Compliance Issues Around Loss Mitigation • Focus on the Economy: A Regional and National Perspective 10:30 a.m.– 4:30 p.m. Concurrent Sessions • Transforming Distressed Asset Analysis, Decisioning and Resolution Execution via Advanced Analytics • Bankruptcy Best Practices • Foreclosure and Post-Foreclosure Challenges 3:30 p.m.–4:30 p.m. Loan Administration Committee Meeting Friday, February 20 8:30 a.m.–9:00 a.m. Exhibit Hall Open 10:45 a.m.–11:00 a.m. Coffee break 9:00 a.m.–12:30 p.m. Opening General Session Keynote Speaker: Dave Barry sponsored by: Refreshment Break 3:15 p.m.–4:45 p.m. Coffee Break in the Exhibit Hall 11:00 a.m.–12:30 p.m. Default Super Session 12:30 p.m. 10:00 a.m.–2:00 p.m. Exhibit Hall Open 10:15 a.m.–10:45 a.m. Coffee Break in the Exhibit Hall Concurrent Sessions • “E” to the Rescue, Solving Real World Issues in Servicing and Loss Mitigation • Disposition of REO Properties: Altruistic or Standard Solutions? • Multichannel Customer Contact Strategies 4:00 p.m.–6:30 p.m. Exhibit Hall Open 5:30 p.m.–6:30 p.m. Concurrent Sessions • Servicing Reverse Mortgages • New Mortgage Market Conditions Require New Rules for Engagement: Investors, Servicers and Borrowers • The Blending of Lending — Customer Service Meets Risk Mitigation • Get Registered: Vacant Property Registration Strategies and Updates Conference Concludes Opening Reception in the Exhibit Hall http://events.mortgagebankers.org/servicing2009 3 Session Descriptions Wednesday, February 18 Servicing Government Loans Hear from government officials as they discuss the latest changes and proposals to FHA, RHS, Ginnie Mae and VA programs currently impacting servicing operations. Next Generation Servicers The next generation servicer will look very different than existing servicing operations. As a reaction to the current mortgage crisis, new capabilities will be driven by requirements and expectations of investors, clients and the public. Join our panelists as they discuss the issues of transparency, improved technology, homeowner assistance/loss mitigation, portfolio monitoring, bidding, asset management and disposition, collateral analysis and much more. Mortgage Litigation: Current Trends and Issues Servicers can expect to see increased state and federal litigation surrounding servicing activities. Borrowers seeking to stop foreclosure or obtain monetary damages for product features are placing increased focus on servicing practices. Business parties also seeking to minimize losses are turning to the courts to resolve contractual conflicts. This panel focuses on recent cases, including mandated loss mitigation, application of the Truth in Lending Act (TILA), Qualified Written Requests and RESPA, foreclosure/REO litigation and servicer responsibilities under hazard insurance contracts. The panel also updates attendees on initiatives of NACTT and the US Trustee’s Office. Bankruptcy Litigation in Today’s New World Explore relevant bankruptcy issues, cases and litigation trends that mortgage servicers, investors and their lawyers face. Learn from a variety of discussions aimed at reviewing the problems and challenges of today’s hostile environment, including the role of affidavits and declarations vs. the necessity of live testimony. The panel also reviews best practices for servicers boarding new loans and the role of MERS as it relates to enforcement of obligations in default. Loan Level Analytics The increase of loan defaults in today’s mortgage market has necessitated that servicers proactively manage their portfolios to prevent losses. To do so, they must first have a clear understanding of any potential risks. Unfortunately, the standard tools of yesterday simply aren’t enough to get the job done. Servicers need higher levels of detailed data and more sophisticated analytical models to effectively mitigate risk. This session provides an overview of the latest data and analytics available to assist servicers with high-level portfolio management. Examine how servicers are accessing powerful loan-level data and combining it with advanced analytical models to gain detailed insight on estimates of defaults, loss, property valuation and fraud, as well as optimizing loss mitigation strategies. Fannie Mae/Freddie Mac Update This must-attend session features an exclusive panel of Fannie Mae and Freddie Mac business experts as they discuss the latest information on key servicing issues, including loss mitigation efforts, foreclosure processes, investor reporting and remitting, bankruptcy and much more. 4 MBA’s National Mortgage Servicing Conference & Expo 2009 Session Descriptions Lessons Learned from the Credit Crisis: How to Build a Sustainable Servicing Operation for the Future During the past year, critical issues in the mortgage industry have centered on the end of the housing boom, the credit crunch, underwriting practices and approaches to managing distressed assets. Industry experts discuss liquidity, management strategies, float income, compliance, hedging costs and portfolio analytics. In addition, loss mitigation, new approaches to customer service and retention, technology scalability, personnel risk management, trend analyses reporting and metrics are addressed. Multichannel Customer Contact Strategies In today’s challenging environment, increasing customer contact is a critical component of collections and customer service effectiveness. Now is the time for a fresh look at ways to optimize the channels available for informing customers of the various account treatments and associated services offered by their lender. This presentation provides an overview of the various customer contact strategies deployed by servicers, and the lessons learned. From Reactive to Proactive: Leveraging Technology for Process Improvement Now more than ever, servicers must scour every aspect of their operations to identify processes that can be simplified, eliminated or automated. A panel of servicers, technology experts and business process consultants discuss how to gain productivity improvements using a proven evaluation approach. They identify areas where automation is possible, ways to implement improvements without disrupting current operations and methods for measuring results. Thursday, February 19 Innovative Payment Strategies in an Economic Downturn The most critical challenge facing mortgage servicers today is simply getting paid. The economic downturn has fueled a significant increase in mortgage delinquencies and foreclosures, which are at an all-time high. This session takes a close look at the new approaches and solutions premier mortgage servicers are implementing to increase payments and reduce collection costs. “E” to the Rescue, Solving Real World Issues in Servicing and Loss Mitigation Business challenges in today’s servicing and loss mitigation environment have never been greater. Increased levels of loss mitigation, loan workout and foreclosure management require tremendous amounts of human effort. Hear from industry experts on the business process and technology sides of this issue to learn how going “E” can solve real world business problems. Compliance Issues Around Loss Mitigation With all the improvements to loss mitigation, it seems nearly inconceivable that it would create a new wave of litigation. This session delves into issues regarding communications with homeowners during loss mitigation. In addition, panelists discuss recent FDCPA case developments effecting mortgage loan servicing. Focus on the Economy: A Regional and National Perspective Join this session and hear from economists and industry analysts as they discuss the latest economic data that could impact your business. What are current regional and national economic trends suggesting for future performance? Which demographic changes could influence servicing operations in the future? What economic factors could influence servicing costs and profitability? 5 Disposition of REO Properties: Altruistic or Standard Solutions? An increase in foreclosure rates based on current economic conditions is impacting servicer liquidity and reducing neighborhood property values. In this environment, managing REOs is a challenging endeavor. This session evaluates property disposition alternatives using case studies and provides best practices for marketing and selling REOs. http://events.mortgagebankers.org/servicing2009 Session Descriptions Servicing Reverse Mortgages The growth of the reverse mortgage loan product presents new challenges and opportunities for many lenders. Reverse mortgage growth and the slowing of real estate values throughout the country increases the need for timely and relevant information about reverse mortgage loans. A panel of industry professionals discusses innovative servicing techniques and strategies to equip the mortgage servicer with the knowledge and tools to fully understand the reverse mortgage loan product. Transforming Distressed Asset Analysis, Decisioning and Resolution Execution via Advanced Analytics The application of distressed asset analytics can mitigate over $80 million in losses for every $500 million in projected losses. Given the volume and complexity of today’s distressed asset problem, there is a rapidly emerging need for analytics that can improve efficiencies and maximize cash flow. Panelists outline the most critical, distressed asset analysis/ resolution challenges, discuss relevant data and trends and examine analytics solutions. New Mortgage Market Conditions Require New Rules of Engagement: Investors, Servicers and Borrowers The time is now for servicers, investors and public policy-makers to align and redraw the rules of engagement. How and when should a distressed mortgage be modified to maximize the objectives and commercial interests of the investor, servicer and borrower? How can we measure the potential benefits to communities and the potential risks to taxpayers? Join our panelist as they share research data that can provide benefits to servicers, investors, policymakers and borrowers. Get Registered: Vacant Property Registration Strategies and Updates With high default rates and increasing numbers of vacant properties, our industry is faced with the task of ensuring that properties are preserved and protected. Participants in this panel include servicers, government representatives and preservation vendors, who discuss best practices for addressing such concerns. The panel addresses how the industry is developing a national registration alternative to local vacant property registration requirements. Bankruptcy Best Practices Bankruptcy has become more complex and the last year is no exception, as it has brought about many new factors that impact how the real estate finance industry manages its day-today operations. This session reviews bankruptcy case law and trends, as well as industry best practices to provide you with a better understanding of how bankruptcy impacts your business. The Blending of Lending — Customer Service Meets Risk Mitigation Mortgage and home equity lenders are facing many obstacles right now. Yet, consumers always require credit products to meet short- and long-term needs. With a consolidated view of each customer’s account relationships, banks are able to assess the potential for offering debt consolidation, mortgage refinance and installment loan products, all at the same time. Attend this session to learn how lenders are offering benefits to existing clients while enhancing customer loyalty and mitigating loss. 6 MBA’s National Mortgage Servicing Conference & Expo 2009 Session Descriptions Foreclosure and Post-Foreclosure Challenges Today’s climate requires up-to-the-minute information to assist servicers with the daily management of foreclosures. This session highlights trends in foreclosure loans. It addresses a summary of trends, including the review of tighter lending standards, forbidding prepayment penalties, regulating high-cost loans, counseling hotlines and publicly funded refinance programs, as well as an in-depth discussion of judicial intervention in the mortgage foreclosure process. Friday, February 20 Default Super Session Join your colleagues at this popular Super Session to discuss the latest issues in the area of default servicing, including collections, loss mitigation, foreclosure and bankruptcy. Facilitators guide the discussion through such default hot topics as delinquency trends and loss mitigation strategies for second mortgages, working with borrowers in bankruptcy and much more. Servicing Today: Early Intervention and Loss Mitigation Register for a special preconference course on February 17 CampusMBA, the education division of MBA, is pleased to present a special one-day interactive course that provides essential early intervention skills to loan counselors and front line servicing staff who handle initial contact with homeowners experiencing hardship or having difficulty meeting their payments. This course also provides key loss mitigation business knowledge and practical solutions to those responsible for performing and monitoring loss mitigation workouts. Registration for this program is open exclusively to registered attendees of MBA’s National Mortgage Servicing Conference & Expo 2009. Please Note: Attendees of this course must first be registered attendees of MBA’s National Mortgage Servicing Conference & Expo 2009. Separate registration is required to attend this course. Register for CampusMBA’s Servicing Today: Early Intervention and Loss Mitigation, which takes place on February 17, to start your Servicing Conference experience off with an important look at loss mitigation today and return to your office with new knowledge and skills that are sure to positively impact your business. This is also a great opportunity for servicing managers to view what education is available, and then work with CampusMBA to bring it to their front line staff. To register: Call (800) 348-8653 or register online at www.campusmba.org. http://events.mortgagebankers.org/servicing2009 7 Extend Your Reach Exhibits Visit http://events.mortgagebankers.org/servicing2009 for MBA’s National Mortgage Servicing Conference & Expo 2009 exhibit opportunities and Exhibitor Prospectus. For more information call (202) 557-2791 or (202) 557-2792 or email exhibitor@mortgagebankers.org. Diamond Gold TPC Tampa Bay When architect Bobby Weed first surveyed the property for the design of TPC Tampa Bay, he chose a horse to be his all terrain vehicle across wetlands and open flats of native grasses. After moving hundreds of thousands of yards of dirt and adding 17 years of maturity for the native cypress, oaks and pines surrounding the wetlands and bunkers, TPC Tampa Bay has evolved into one of the most beautiful and exciting courses in Florida. Since being built in 1991, the facility has earned numerous accolades, including a four-and-a-half star rating in Golf Digest’s Places to Play. It has annually been voted the top golf course in the Tampa Tribune’s Readers Choice Awards and has also been named the top golf facility in West Central Florida and one of the top five in the state by the readers of Florida Golf Magazine. Relaxation Station Keynote Speaker, Conference Hotel Keys Conference Junior Padfolios Conference Badge Holders, Tournament Golf Balls Advertising Advertise in MBA NewsLink and Mortgage Banking® magazine to promote your company before, during and after MBA’s National Mortgage Servicing Conference & Expo 2009. For print advertising opportunities, call (203) 834-8832 or send an email to advertising@ mortgagebankers.org to get premium placement and learn more about additional opportunities that are available. Bronze Sponsorships Sponsorship of MBA’s National Mortgage Servicing Conference & Expo 2009 is a highly visible, cost-effective way to reach managers in servicing, default, customer service, escrow and reporting, as well as foreclosure and bankruptcy attorneys, consultants and many other mortgage professionals. Various levels of conference sponsorship represent excellent opportunities to tailor a visibility program that meets your specific marketing needs, while positioning your company as a leader in the industry. Take advantage of this chance to deliver your company’s message to more than 1,000 attendees before, during and after the conference. For more information call (202) 557-2790 or email mbrady@mortgagebankers.org. Platinum Golf Tournament Awards Business Communications Center Conference Bags Affiliate Space For more information call (202) 557-2781 or email jhawkins@mortgagebankers.org. 8 Thursday Luncheon Shotgun Scramble Golf Tournament Player Information registrations. Player 1 First Name MI Last Name Handicap Please type or print legibly. Photocopy entire form for additional Payment Information Fees: _____ (No. of people) × $225 = __________ $225 per person, includes continental breakfast, green fees, cart, driving range usage and golf balls. □ Payment Enclosed (Check Payable to Mortgage Bankers Association) Bill my: □ VISA □ MasterCard □ American Express □ Discover Expiration Date Player 2 First Name MI Last Name Handicap Credit Card Account # Player 3 First Name MI Last Name Handicap Name As it Appears on Card Player 4 First Name MI Last Name Handicap Address if Different from Above Rental Information Payment for rented clubs is made at the TPC Tampa Bay upon Signature Date receipt of golf clubs. Will you need to rent golf clubs? Please check the appropriate box. Player 1 □ Yes □ No if yes, □ Men’s □ Women’s □ Left-handed □ Right-handed Player 2 □ Yes □ No if yes, □ Men’s □ Women’s □ Left-handed □ Right-handed Player 3 □ Yes □ No if yes, □ Men’s □ Women’s □ Left-handed □ Right-handed Player 4 □ Yes □ No if yes, □ Men’s □ Women’s □ Left-handed □ Right-handed Note: Traditional-style golf shoes, flat-soled athletic shoes or soft spikes may be worn on the golf course. Please fax completed form with payment information to (202) 721-0247. For questions, contact meetings@mortgagebankers.org. $225 per person, includes continental breakfast, green fees, cart, driving range usage and golf balls. Tuesday, February 17, 2009 • 8:30 a.m. • Shotgun Start Continental Breakfast included in price Golf Tournament Registration Information In conjunction with MBA’s National Mortgage Servicing Conference & Expo 2009, preferred tee times have been reserved. If you wish to participate, please complete the attached application. MBA encourages you to make your golf reservation early, as tee times are limited and available on a firstcome, first-served basis. The maximum number of players is 144. After the first 144 have registered, the remaining players will be put on a waiting list. Advance payment is required for green fees in order to guarantee starting times. If you wish to set up your own foursome, please do so by providing the names of all individuals with full payment for each. Once space has been reserved with proper payment, you are then responsible for that space and are given the right to cancel green fees at any time prior to 5:00 p.m. on January 30, 2009. To play in the golf tournament, you must be registered for MBA’s National Mortgage Servicing Conference & Expo 2009. Note: If it is necessary to cancel, requests should be made in writing and emailed or faxed. Fax your cancellation request to (202) 721-0247 or email meetings@mortgagebankers.org. Please note that no refunds will be made if notice of cancellation is received after January 30, 2009. Travel and Registration Information Five Easy Ways to Register Online (Credit card) http://store.mortgagebankers.org Phone (800) 793-6222, select option 3 Monday–Friday, 9:00 a.m.–5:00 p.m. ET Fax (Credit card) (202) 721-0247 Mail* Payable to: Mortgage Bankers Association Mail to: Mortgage Bankers Association PO Box 403945 Atlanta, GA 30384-3945 * Use Express Mail for overnight deliveries to meet registration cutoff dates. Express mail only ensures postmark date for registration fees. Please allow 3–5 working days for processing and confirmations. Express Mail* Payable to: Mortgage Bankers Association Mail to: Mortgage Bankers Association c/o Bank of America Lockbox Services Lockbox 403945 6000 Feldwood Road College Park, GA 30349 (800) 793-6222, select option 3 Hertz: www.hertz.com; (800) 654-2200; Hertz Discount number: 316138 Hotel Information Conference Registrant Information Substitutions You can register for the conference as well as make hotel reservations through our secured Web store. Simply visit www.mortgagebankers.org and click Conferences & Events. You may reserve hotel accommodations only after you have registered and paid for MBA’s National Mortgage Servicing Conference & Expo 2009. Note: Registrant badges can only be picked up by the registered individual unless prior arrangements have been made. Send requests in writing to the attention of “Registration Substitutions” and include a $50 processing fee. You may email your substitution request to meetings@ mortgagebankers.org. In order to guarantee that your name will appear on the Final Registration List, substitutions must be received by January 16. After January 16, all substitutions must be done on site. Cancellations and Refunds and car rentals. You can make your travel arrangements Monday through Friday, 24 hours a day. A proposed schedule will be sent to you immediately. Reservations will include 5–10 percent savings depending on the destination and meeting. You may also call our official air carriers and car rental agencies directly. To contact Travel Incorporated, call (800) 524-3002. If not using Travel Incorporated please use the codes below when making travel arrangements to ensure that you receive the appropriate discounts. Airfare Discounts Guest Policy Each registrant is limited to one paid guest. A guest is defined as a spouse, significant other, friend or an adult child (18 or over) who is not in an industry-related occupation. Co-workers or associates in the industry may not use the guest registration category. Important Deadlines to Remember January 16: Early conference registration /final registration list / substitutions January 19: Cutoff for hotel rooms In order to receive your registration confirmation and hotel information in time, register before January 16. If you do not receive your registration confirmation within seven days, please call MBA at (800) 793-6222, select option 3. • Cancellations received on or before January 16: Full refund minus $50 processing fee • Cancellations received January 17–February 9: 50 percent penalty applied to all registration cancellations • February 9: No refunds made after this date Cancellation requests should be sent to the attention of “MBA Cancellations.” You may email your cancellation request to meetings@mortgagebankers.org. In the unlikely event of program cancellation, MBA will refund 100 percent of registration fees paid. MBA assumes no liability for any penalty fees on airline tickets, deposits for hotel accommodations or any other fees, charges, penalties or other incidental costs that a registrant might incur as a consequence of a program cancellation. Travel Information Please ask your travel or airline agent to use the following airline code when making your MBA travel arrangements. Using the appropriate airline code will ensure discount savings for you and help MBA track its airline volume. American: (800) 433-1790; Airline Code number: Index #20340 Car Rental Discounts The cutoff date for discounted hotel rates is January 19. This does not ensure availability of rooms. If rooms are available until January 19, you will receive the discounted hotel rate. After January 19, reservations are accepted on a space available basis only, and you may be charged the regular hotel rate. In order to receive MBA’s special negotiated room rate, you must follow the hotel reservation instructions outlined in your registration confirmation letter. Please do not call the hotel directly. Hotel Marriott Tampa Waterside Hotel and Marina — Headquarter Hotel 700 South Florida Avenue Tampa, FL 33602 Embassy Suites Tampa – Downtown Convention Center 513 South Florida Avenue Tampa, FL 33602 The Westin Tampa Harbour Island 725 South Barbour Island Boulevard Tampa, FL 33602 Single* City View $204 Bay View $214 $240 Double* City View $204 Bay View $214 $260 MBA members can obtain discounts by contacting the car rental agency directly and providing the identification number. Avis: www.avis.com; (800) 831-8000; Avis Worldwide Discount number: A369400 Budget: www.budget.com; (800) 527-0700; Budget Discount number: T495200 $199 $209 Hotel cutoff: January 19, 2009 Attire: Business Casual NO AUDIO OR VIDEO TAPING OF THE PROGRAM PERMITTED 10 Please contact Travel Incorporated, MBA’s official travel agency, to take advantage of special discounts on airfare MBA’s National Mortgage Servicing Conference & Expo 2009 Registration Form Tampa Convention Center □ MBA Member* $985 Tampa, Fla. February 17–20, 2009 Early registration received with payment by Jan. 16, 2009: On-site registration fees apply between Feb. 13–20, 2009: □ Guest registration fee: $295 (See registration information for the guest policy.) Guest’s Name Nickname for Badge □ Nonmember $1,650 □ MBA Member* $1,285 □ Nonmember $1,895 Regular registration received with payment after Jan. 16, 2009: □ MBA Member* $1,185 □ Nonmember $1,850 Payment Information Registrant Information Please type or print. Photocopy form for additional registrants. Mr./Ms. First Name MI Last Name □ Payment Enclosed (Check Payable to: Mortgage Bankers Association) Bill my: □ VISA □ MasterCard □ American Express □ Discover Nickname Title Customer ID No.** Credit Card Account No. Expiration Date Company Name Company Address Amount of Charge City State Zip Name As it Appears on Card Business Phone Number Business Fax Number Address if Different from Above Email Address (please provide to receive confirmations via email) Signature Date Previous Employer if Employed Less than Two Years Please return this form with proper payment to Mortgage Bankers Association. See “Five Easy Ways to Register” for address information. * Subject to membership verification. ** To identify your Customer ID Number, please see the printed number located next to your name on the mail panel or call (800) 793-6222, select option 3. (Not required to register.) □ If you have special needs addressed by the Americans with Disabilities Act, please check here and attach a statement regarding your particular needs. optional diversity Questions Your answers to this section are optional. The use of this information is restricted to MBA and is being requested to enhance MBA’s continuing efforts to increase diversity within its membership. Your individual information will not be provided to any external source or organization. Are you: □ Male □ Female Do you identify yourself as a member of any of the following racial and/or ethnic groups (check all that apply): □ Hispanic / Latino □ Black / African-American □ Asian / Asian-American/Pacific Islander □ Native Hawaiian /American Indian /Native American □ White / Caucasian □ None of the above_____________ FOR OFFICE USE ONLY ATTN: DEPARTMENT 1—Meetings Meeting # M2902054 Source Code B1 CPE 14 pts. CMB 3 pts. ID Co ID Order # Operator Date You can earn up to 14 CPE Credits by attending this conference. You can also earn 3 points toward your Certified Mortgage Banker (CMB) Designation. Earn up to 14 CPE credits for your participation in MBA’s National Mortgage Servicing Conference & Expo 2009. The conference is a basic, group live offering; with no prerequisite or advanced preparation required. Mortgage Bankers Association (MBA) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue, North, Suite 700, Nashville, TN, 37219-2417, www.nasba.org. The Certified Mortgage Banker (CMB) designation is the industry standard of professional success. It symbolizes respect, credibility, ethics, and achievement within real estate finance. Earning a CMB instantly places you at the top of our dynamic industry and makes you a part of the elite group that has achieved the highest level of professional success.