Navigating Complexity

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Navigating Complexity Future of Servicing Compliance & QM Regulation Borrower Outreach Barriers to Entry CFPB 19 th Annual Western States Loan Servicing Conference August 3-5, 2014 Encore Las Vegas Registration Brochure Register Now at www.cmba.com!

19th Annual Western States Loan Servicing Conference August 3-5, 2014 Encore Las Vegas Conference Sponsors TITANIUM GOLD Built on Knowledge, Commitment, & Trust Since 1988. RECEPTION LANYARD

19th Annual Western States Loan Servicing Conference August 3-5, 2014 Encore Las Vegas Conference Sponsors SILVER The Vacant Property Specialists CONFERENCE ZIngenuity Servicing Management National Mortgage News HousingWire PUBLICATION DS News Mortgage Banking Magazine Scotsman Guide

Conference Information CMBA s 19th Annual Western States Loan Servicing Conference August 3-5, 2014 Las Vegas About CMBA For over 50 years, The California Mortgage Bankers Association has been the leading statewide advocate for the residential and commercial real estate finance industry, representing its members before all government and regulatory agencies. Headquartered in Sacramento, California, CMBA promotes fair and ethical lending practices through a wide range of educational programs, services and industry publications. CMBA provides its members a competitive edge by effectively aggregating political, economic and marketing power. Its membership of companies includes all elements of real estate finance. For more information, please visit CMBA s website at www.cmba.com. Registration Fees Conference Registration entitles each registrant entry to all business sessions, receptions, Conference Exhibit Hall, lunch, and complimentary continental breakfasts. CMBA Member $375 Early Bird Rate $450 (June 16-July 14) $475 (After July 14) Non-Members $495 Early Bird Rate $550 (June 16-July 14) $595 (After July 14) Note: CMBA Member Fees only apply to members of the California Mortgage Bankers Association. Membership with any other organization (i.e. Mortgage Bankers Association of America) does not constitute membership with CMBA. Hotel Reservations Encore at the Wynn Las Vegas will not be accepting room reservations. After conference registration has been received, you will be sent hotel reservation information via e-mail. Only conference registrants will be able to reserve a room in the CMBA hotel room block, if you are not registered for the conference, CMBA reserves the right to cancel your room reservation if booked within the CMBA room block. The conference rate is available until July 21, 2014 or until the room block sells out (whatever occurs first). The conference hotel rate is $169/night. If requesting more than one room per company, names must be provided at the time the request is made and the person(s) must be registered for the conference. Cancellations/Refunds & Substitutions Requests for refunds received by June 5, 2014 will be subject to a $50 cancellation fee. Cancellations received June 6-June 27 will be subject to a 50% cancellation fee. No refunds will be issued after June 27, 2014. All requests must be received in writing. Entertainment The Wynn Las Vegas (adjacent to Encore) is home to Le Rêve, among other acts and shows. Le Rêve is an aquatic spectacular performed in a domed theater in the round. A small collection of imperfect dreams, it is the first of its kind in Las Vegas. Uniquely intimate and spectacularly personal, no seat is more than 40 feet from the action. The show is a completely new form of staging and artistic performance, where the theater and water are alive with a translucent energy. For ticket info and show times, call (888) 320-7110 2

Conference Schedule SUNDAY, AUGUST 3 7:00 am-12:30 pm Golf Tournament (Separate Registration Required) Spanish Trail Golf Course 5050 Spanish Trail Lane Las Vegas, NV 2:00 6:00 pm Registration Open Location: Registration Desk 6 2:00 3:00 pm General Session (TBD) 3:15 4:00 pm Economic Update Douglas G. Duncan, Vice President & Chief Economist, Fannie Mae 4:15 5:15 pm REO Panel Moderator: Chad Mosley, Mortgage Contracting Services Speakers: Jeffrey Boman, McCarthy Holthus, LLP Rick Sharga, Auction.com Alice Sorenson, LRES Corp. Matt Slonaker, Carrington Real Estate Services Janet Smith, PNC Mortgage 5:15 6:45 pm Welcoming Reception in Exhibit Hall MONDAY, AUGUST 4 8:00 am 5:00 pm Registration Open Location: Registration Desk 6 8:00 9:15 am Breakfast in the Exhibit Hall Come join us for the inaugural Western States Loan Servicing Conference Golf Tournament! See conference sponsor information for how your company can participate as a golf sponsor! 9:00 9:15 am Welcome/Opening Remarks Don Curtis, OSC/A Breckenridge Company, Conference Chairman Don Maxwell, Melco Incorporated, MBA Diversity Initiative 9:15 10:30 am Future of Servicing Moderator: Caroline Reaves, Mortgage Contracting Services Speakers: Michael Griffith, FCI Lender Services, Inc. Steve Horne, Wingspan Wes Iseley, Carrington Mortgage Holdings, LLC Brad Johnson, RoundPoint Mortgage Servicing Corporation 10:45 11:45 am Originators Building Their Own Servicing Moderator: Michael Pfeifer, Pfeifer & DeLaMora, LLP Speakers: Rick Arvielo, New American Funding Amy Brandt, Prospect Mortgage, LLC Clem Ziroli, Jr., First Mortgage Corporation 11:45 am 1:00 pm Lunch in Exhibit Hall 1:00 2:30 pm Quality Control in the Servicing Environment and Monitoring Your Subservicers: What Can Happen if You Aren t in Compliance Quality Control and Servicing Subservicing Monitoring How does QM carry into the servicing world? CFPB - New rules applied in January Moderator: Annemaria Allen, The Compliance Group, Inc. Speakers: Erica Johnson, Ginnie Mae Lauren Kirby, Freddie Mac Robert Klein, Safeguard Properties Ben Olson, Buckley Sandler

Conference Schedule 2:45 3:45 pm Bankruptcy and Litigation Moderator: Alberta Hultman, USFN Speakers: David McAllister, Pite Duncan LLP Lance Olsen, RCO Legal Scott Sawyer, Peak Loan Servicing Gene Wu, AFRCT, LLP 3:45 4:00 pm Refreshment Break in Exhibit Hall 10:45 11:45 pm MSRs/Buying Mortgage Servicing Rights Moderator: Deni Archer, UHS America Speakers: Jeff Drott, Mountain View Capital Group Stephen Fleming, Phoenix Capital, Inc. Wes Iseley, Carrington Mortgage Holdings, LLC Richard Johnson, Impac Greg Thompson, Olympia Capital Management, Inc. 11:30 am Conference Adjourns 4:00 5:00 pm Auctions: Not Just for REOs Anymore Auction companies as an alternate disposition of property Use of technology in the auction environment Moderator: Kirk Jaffe, Bridgelock Capital/Peak Corporate Network Speakers: Joe Cutrona, Homesearch.com Matt Gocke, Genesis Auctions Kelly Hinerman, Hudson & Marshall Rick Sharga, Auction.com Elsa Lewis, Williams, Williams & McKissick 5:15 pm Exhibit Hall closes for the day TUESDAY, AUGUST 5 8:30 9:30 am Breakfast in the Exhibit Hall 9:00 10:30 pm Property Preservation: Managing Vendors, Maintaining Compliance & Embracing New Technologies Technology applications for property preservation Moderator: Kathy Cogan, Safeguard Properties Speakers: Brian Daily, REO Allegiance Sherilee Massier, MSI Ian Rambarran, Klinedinst PC Janet Smith, PNC Mortgage

Activity Selection $375 CMBA Member ( Early Bird ) $450 (June 16-July 14, 2014) $475 (After July 14, 2014) $495 Non-Member ( Early Bird ) $550 (June 16-July 14, 2014) $595 (After July 14, 2014) 10% Discount applied for 3 or more paid registrants $150 Golf Tournament Contact Information Conference Registration Complete carefully - this is your name badge information! Name: Title: Company: Address: City: State: Zip: 555 Capitol Mall Suite 440 Sacramento, CA 95814 PHONE: (916) 446-7100 FAX: (916) 446-7105 WWW.CMBA.COM Tax I.D. #94-1701188 Note: CMBA Member Fees only apply to members of the California Mortgage Bankers Association Email completed registration form to carol@ cmba.com or fax to (916) 446-7105. To develop a stronger political voice for the real estate finance industry, $20 of your registration fee will be donated to CAMPAC. Please check here if you do not want to contribute to CAMPAC. The registration amount is the same whether you choose to contribute to CAMPAC or not. Bus. Telephone: ( ) Bus. Fax: ( ) Business Email: Send additional confirmation/receipt to: Payment Information My check is enclosed* Please complete the credit card information below: Credit Card # Expiration Date: Signature Please provide card holder name & address as it appears on the account: Name: Address: 11 City: State: Zip: Click here to join the Mortgage Action Alliance! The Mortgage Action Alliance (MAA) is a voluntary, non-partisan and free nationwide grassroots lobbying network of real estate finance industry professionals, affiliated with the Mortgage Bankers Association (MBA). MAA is dedicated to strengthening the industry's voice and lobbying power in Washington, DC and state capitals across America. *Electronic Check Conversion Notice: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. Funds may be withdrawn from your account as soon as the same day and you will not receive the check back from your financial institution. If your payment is returned due to insufficient funds, you authorize us to make a one-time electronic fund transfer from your account to collect a fee of $25 as allowed by state law. WSLC 14