13th Annual Eastern Secondary Market Conference with Exhibits

Speaker Bios (More on the Way) 13th Annual Eastern Secondary Market Conference with Exhibits February 24-26, 2016 Hyatt Regency Orlando

Joining EverBank s Capital Markets group in 2012, Mr. Beane has more than 20 years of experience in capital markets, mortgage finance, secondary marketing and GAAP technical accounting related to mortgage and banking specific transactions/structures. Prior to joining EverBank, Mr. Beane worked for SunTrust Mortgage as SVP Residential Loan Portfolio Manager as well as with Genworth Financial s capital markets/reinsurance group and the company s reverse mortgage subsidiary. Additionally, he ran capital markets for HomeBanc Mortgage Corporation where he was responsible for all aspects of pricing, hedging, trading, private-label securitization, investor delivery and all fulfillment operations for post-closing. Cameron Beane Secondary Marketing Director EverBank Capital Markets Mr. Beane has also held executive-level positions with firms including United First Mortgage, Inc., Access National Mortgage Corporation, GMAC Mortgage Corporation, Capital Center LLC, Signet Bank and Signet Mortgage Corporation. Mr. Beane graduated from Lynchburg College where his studies focused on Accounting and Finance. Mr. Nitin Dave has 35 years experience in Mortgage Banking, Consumer Banking, Investment Banking, Commercial Lending, with a Focus on Mortgage Servicing operations & Secondary Marketing executions via Cash and Securitization, (25 years at Fannie Mae, 2+ years at Citizens Bank, 5 Years at Pinnacle Financial Corporation, and VP of Servicing & Securitization at Southern Trust, a Fannie, Freddie and Ginnie approved). Nitin Dave Vice President Servicing & Agency / Investor Relations Hamilton Group Funding Besides his vast experience, Nitin Dave holds two undergraduate degrees and an MBA, and a Chartered Accountant's designation (comparable to CPA). He is a graduate of the School of Mortgage Bankers Association of America, and has Public Accounting experience as well. He is one of the few professionals with mortgage banking experience in both front-end (Origination, Processing, Underwriting, Credit/Risk management, Emerging Markets, and Capital Markets /Secondary Marketing), and, back office Operations (Servicing, Investor Reporting, Quality Control, Post Closing, Risk management, and Securitization MBS, PC, REMIC, CMO, REIT, and other structures) with strong financial analysis skills because of his Public Accounting background. Nitin s background includes demonstrated skills in Marketing (Account Management), substantial contribution to Fannie Mae s Congressional Goals through Emerging Markets outreach, Loss Mitigation, Servicing, Default Administration, Foreclosure, Bankruptcy and REO Administration, Operations, Financial Management, Represented Fannie Mae & The Urban Institute to develop International Housing Finance System in Russia, China, Slovakia, Greece, Poland, Thailand, & South Africa.

Michael Fratantoni Chief Economist, Senior Vice President, Research and Industry Technology Mortgage Bankers Association Michael Fratantoni is MBA's Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA's industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts, and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of the Mortgage Industry Standards Maintenance Organization (MISMO). He previously served as MBA's Vice President for Single-family Research. Fratantoni has had nearly twenty years of industry experience including risk management and senior economist positions at Washington Mutual and Fannie Mae. In these roles, he was responsible for assessing macroeconomic, regional, housing, and mortgage market trends, and providing technical expertise regarding credit pricing and mortgage policy issues. Fratantoni received a Ph.D. in economics from Johns Hopkins University and a B.A. in economics from The College of William and Mary. He has served as an adjunct professor at the University of Washington, and Johns Hopkins, George Washington, and Georgetown Universities and has published papers on housing and mortgage topics in leading economics and real estate finance Mr. Guth is responsible for developing, growing, and managing new business opportunities with a variety of customer segments, including our Community-lending customers, specialized execution options, and relevant trade association relationships. In addition, he is responsible for collaborating with our Investment & Capital Markets team, and driving the sales team s support of Freddie Mac s affordable lending efforts. Mr. Guth has been with Freddie Mac for nearly 20 years. During this time, he has held a variety of leadership roles, most recently in the Securitization organization focused on security performance, single-security development efforts, and MBS investor relations. Prior to that work, he was a member of Freddie Mac s Investment and Capital Markets team, focused on debt and derivatives capital markets. Mr. Guth began his career in structured finance at Fannie Mae and the former Prudential Home Mortgage. Phil Guth Vice President, Business Development, Single- Family Sales & Relationship Management Freddie Mac Freddie Mac was established by Congress in 1970 to provide liquidity, stability and affordability to the nation s residential mortgage markets. Freddie Mac supports communities across the nation by providing mortgage capital to lenders. Today Freddie Mac is making home possible for one in four home borrowers and is one of the largest sources of financing for multifamily housing. For more information please visit www.freddiemac.com and Twitter @FreddieMac.

Ms. Kinney administers Ginnie Mae's $1.5 trillion Mortgage-Backed Securities (MBS) and Real Estate Mortgage Investment Conduit (REMIC) programs. She is also responsible for managing Ginnie Mae s daily operations, including all MBS operations, counterparty relationships, contracting, budget and legislative initiatives, and overall risk management of the organization. Additionally, Ms. Kinney maintains liaisons with key officials and executives of housing and securities industries, the investment community, members of Congress, and other departments and agencies of the federal government. Mary Kinney Executive Vice President Ginnie Mae Named one of 2014's most Influential Women in Housing by Housing Wire, Ms. Kinney has extensive experience in the MBS business, housing finance, affordable housing, and commercial real estate investment, including 21 years at Fannie Mae. She has also managed end-to-end activities for private-label MBS at Citicorp and the Mortgage Guaranty Insurance Corporation. Additionally, Ms. Kinney has managed loan origination and servicing functions in the primary servicing mortgage market. Prior to her arrival at Ginnie Mae, Ms. Kinney was the Vice President of Enterprise Data Warehouse Operations at Fannie Mae, where she designed, developed and managed technology infrastructure to support MBS data collection and analysis. During her tenure at Fannie Mae, Ms. Kinney also served as the Director/Vice President of the National Housing Impact Division. In that role, she led long-range strategic planning and day-to-day activities for enterprise-wide compliance with congressionally mandated affordable housing goals and corporate affordable lending commitments. Ms. Kinney also directed loan administration teams for Citicorp's commercial real estate portfolio in the Mid-Atlantic region. Ms. Kinney earned a Bachelor of Science degree from St. Lawrence University in Canton, New York.

Regina M. Lowrie is a recognized national leader and authority in the mortgage and lending industry having found and managed multiple successful banking/lending organizations. With more than 30 years of experience in the financial services industry, Regina s background includes senior management positions in sales, operations, acquisitions and investments, enterprise risk management, regulatory oversight, policies and procedures. Regina has run profitable mortgage banking operations in OCC federally-regulated and independent mortgage banking environments. And, has worked closely with boards in various positions. Currently, Regina is Founder, President and CEO of RML Advisors, headquartered in Blue Bell, Pennsylvania. RML Advisors charter is to serve the financial services industry as an advisor and consultant; providing a broad range of services to assist clients in developing a blueprint for success in a volatile market with numerous regulatory challenges. RML Advisors also specializes in helping mortgage banking clients analyze various enterprise risks including compliance risks associated with service providers. Regina M. Lowrie, CMB President & Chief Executive Officer RML Advisors and Former Chairman MBA, Washington, DC Regina is known for being passionate and an advocate for the mortgage banking industry and is often sought by local and national media for her insight on the mortgage banking industry. She is a Certified Mortgage Banker (CMB) and holds the distinction of being the first woman Chairman of the National Mortgage Bankers Association in the organization s 94-year history (2005). And, was also the first woman to lead the local chapter of the Philadelphia Mortgage Bankers Association in 1995. Some of Regina s other awards and recognitions include: 2006 Philadelphia Business Journal and National Association of Women Business Owners 2006 Women of Distinction Award. Recognized for her business success as well as mentorship of women in financial services and business. 2006 Recognized by the Credit Counseling Community Services of Delaware Valley as an outstanding member of the Philadelphia community, receiving the A Credit to Greater Philadelphia Community Award. 2013 Mortgage Banking Leading Industry Women Honoree A class of 20 standout industry women whose accomplishments have been significant in the real estate finance business leadership over the years. 2014 Received the American Association for Women in Community Colleges Trustee of the Year Award in April 2014. Received Montgomery County Community College Leading Woman Award in June 2014 and recognized for philanthropic endeavors. Testified before Congress on public policy to include GSE Reform and expert witness for the financial services industry. Sought after national speaker who has also been featured in several articles national and locally, including The Scotsman Guide, Philadelphia Inquirer and the Mortgage Banking Magazine. Serve on advisory boards and several committees with the Mortgage Bankers Association.

Gary Manfredi is Bayview Loan Servicing s Senior Vice President leading the correspondent and wholesale mortgage loan origination platform. Mr. Manfredi oversees all client relationship activities including Business Development and Customer Marketing and Support. He directs all corporate-wide support for external relationships and is responsible for establishing a strategy to enable a more customer-centric approach. Prior to joining Bayview in 2014, Mr. Manfredi was Managing Director of Sterne Agee Group s TPO mortgage platform. Prior to that, Mr. Manfredi was Vice President of Customer Management at Fannie Mae where he managed high-priority customers account teams in the Central United States. Mr. Manfredi previously spent five years as an integral part of Morgan Stanley s residential mortgage conduit. Gary Manfredi Senior Vice President Bayview Loan Servicing Mr. Manfredi has a bachelor of arts in Economics from Rollins College. Beth Millstein is a Director of Business Development at Fannie Mae where her team is responsible for sourcing, evaluating and sponsoring new customer relationships. Fannie Mae s business development team manages a large and diverse customer base of new, small and growing lenders. Millstein has also managed Fannie Mae s national affinity and trade association business relationships for the past 12 years. Millstein has been with Fannie Mae for over 20 years and has held a variety of roles. She has managed sales teams responsible for hundreds of lender relationships, helped develop business strategy, and was responsible for employee business training. Millstein came to Fannie Mae with more than a decade of experience in mortgage banking, having worked for a variety of lenders in the mid-atlantic region. She holds a bachelor of arts in music and philosophy from Wellesley College and has completed post-graduate work in Human Resources. Beth Millstein Director Business Development Fannie Mae Mr. Olson is the former Deputy Assistant Director of the Office of Regulations at the Consumer Financial Protection Bureau (CFPB) where he oversaw numerous Dodd-Frank Act rulemakings, including the TILA-RESPA Integrated Disclosure (TRID) rule, the Ability-to-Repay/Qualified Mortgage rule, the Mortgage Servicing rules, and the CFPB s amendments to the Loan Originator Compensation rule. Before joining the CFPB, he played a leading role in the drafting of the rules implementing the Credit Card Accountability Responsibility and Disclosure (CARD) Act at the Federal Reserve Board. Prior to that, Mr. Olson served as an enforcement attorney in the Federal Trade Commission s Division of Financial Practices, where he investigated financial service providers for unfair and deceptive practices (UDAPs) and other violations of consumer financial protection laws. A recognized authority in the field of consumer financial protection regulation and frequent speaker at industry conferences, Mr. Olson s practice focuses on advising clients on compliance with mortgage and credit card regulations and responding to government inquiries. Benjamin K. Olson Partner BuckleySandler LLP Mr. Olson received his B.A., cum laude, from Tulane University and his J.D., magna cum laude, from the Georgetown University Law Center. He clerked for the Honorable Emilio M. Garza on the United States Court of Appeals for the Fifth Circuit.

Mr. Rasori has over a decade of experience in capital markets operations serving lenders in the residential mortgage banking industry. At MCT, he manages the company s day-to-day operations and a team of over 20 traders and analysts that provide hands on support and coaching to clients. Mr. Rasori is a proven industry leader and innovator of major risk management, conservative hedging and expert advisory services that help lenders take their businesses to newfound heights of profitability. Philip Rasori Chief Operating Officer Mortgage Capital Trading Mr. Rasori s areas of expertise include complex financial modeling, computational dynamics, linear programming for operational optimization, and the development and management of a proven process for successfully transitioning lenders from best efforts to mandatory loan sales. He pioneered MCT s mortgage pipeline hedging algorithms, which form the foundation of the company s highly regarded HALO (Hedging And Loan sales Optimization) Program. Mr. Rasori is the principal architect and developer of the 2014 Mortgage Technology Release of the Year award winning software system, MCTlive. MCTlive is the industry s newest, most cutting-edge capital markets platform, MCTlive. Mr. Rasori also developed several key metrics that have become standard industry parlance, including beta pull-through factors. Notably, he has consulted with GSE agencies and the US Government on hedging best practices for community banks. Under Mr. Rasori s strategic guidance and leadership, MCT has earned spots on the Inc. 500 list in 2012 and the Inc. 5000 list in 2010, 2011, 2013 and 2014. Mr. Rasori holds a B.S. in Management Science from University of California, San Diego. He has been named one of the National Mortgage Professional Magazine s Top 40 Most Influential Mortgage Professionals Under 40 four times since 2010. Mr. Rasori is an active member of multiple national and regional mortgage banking trade associations. He regularly serves as an expert resource in his field on panel sessions, roundtable discussions, and as a regular contributor in the mortgage media. Mr. Rasori also serves on the Board of Village Hopecore International, an innovative non-profit currently working to alleviate poverty through micro loans, business training and health promotion in Africa. Dan Rogers, III Director Atlanta Homeownership Center

R. Colgate Selden is a counsel in Alston & Bird s Financial Services & Products Group. His national practice focuses on guiding clients through the full array of federal and state origination, servicing, debt collection, and secondary market issues they may face. Prior to joining Alston & Bird LLP, Colgate was a founding member of the U.S. Treasury s CFPB Implementation Team charged with standing up the CFPB and later became a senior counsel in the CFPB s Office of Regulations. While at the CFPB, he developed and drafted LO Comp, TILA-RESPA integrated disclosure, ATR/QM, HEOPA, HELOC and AMTPA policy and rules. Colgate also led the teams that provided CFPB interpretations to industry and other stakeholders for TILA Mortgage and the FDCPA. Additionally, he was a senior advisor on the RESPA and Privacy policy teams. Before entering government service Colgate was in private practice where he counseled a wide variety of financial services clients and related outsource and settlement service providers with respect to federal and state regulatory and licensing requirements, regulatory due diligence assessments and examination responses. R. Colgate Selden Counsel Alston & Bird LLP Colgate earned his J.D., with honors, from Vermont Law School where he was editor of the Vermont Journal of Environmental Law, an LL.M. in Securities and Financial Regulation from Georgetown University Law Center and a B.S., with honors, from Ferrum College. Seth joined Phoenix in April of 2013 after more than ten years with SunTrust Mortgage managing their mortgage servicing rights portfolio valuation process as well as their periodic MSR transaction activity. Seth s primary duties at Phoenix include managing bulk and flow MSR transactions, advising on analytic and valuation strategies, and participating in strategic business development activities as the MSR market continues to evolve. Seth has a total of over 18 years of mortgage banking and servicing valuation experience at a variety of firms including Sun- Trust Mortgage, Bank of America Mortgage, United Financial / Matrix Financial and KPMG LLP. Seth D. Sprague CMB Senior Vice President Phoenix Capital, Inc. Seth is frequent speaker with the MBA s School of Mortgage Banking Program and holds a MBA from the University of Colorado Denver and an undergraduate degree from the University of Richmond with a concentration in Accounting.