Featured & Breakout Session Speakers

THE STATE OF THE CAPITAL MARKETS
TOM MILLON
President, Founder & Chief Executive Officer, Capital Markets Cooperative

Tom Millon is one of the top secondary marketing executives in the U.S. mortgage business, with over 23 years of mortgage experience. Mr. Millon is the President and Founder of the Capital Markets Cooperative (CMC), and is the President of CMC’s futures trading subsidiary. CMC provides a full range of capital markets services and cooperative pricing arrangements to mid-sized mortgage bankers. For its national client base, CMC consolidates mortgage production and creates better execution. Managing billions in mortgage production, CMC uses secondary marketing expertise to increase member profits and to protect its members from risk. CMC is expert in the management of ARM and Alt-A mortgage products.

THE STATE OF THE MORTGAGE MARKET
TERESA BRYCE
President/CEO - Radian Guaranty Inc.

Teresa Bryce has served as President of Radian Guaranty since 2008. Headquartered in Philadelphia, Radian connects lenders, homebuyers, investors and loan servicers using a suite of private mortgage insurance and related risk management products and services. Radian helps promote and preserve the tradition of homeownership while protecting lenders from default-related losses on residential first mortgages. Radian also facilitates the sale of low-downpayment mortgages in the secondary market.

Teresa’s areas of expertise include:

• Mortgage Insurance
• Government Sponsored Enterprises
• Federal Financial Agencies
• Housing Finance
• Credit Risk & Loss Mitigation

THE STATE OF THE REAL ESTATE BROKERAGE MARKET
JIM GILLESPIE
President/CEO - Coldwell Banker

Jim Gillespie was appointed president and chief executive officer of Coldwell Banker Real Estate Corporation in April 2004 after serving as the company’s chief operating officer for three years. A real estate veteran with over 34 years of experience, Gillespie has been with the Coldwell Banker® brand since 1976. As president and chief executive officer, Gillespie oversees marketing, operations, education, mortgage and field services. As the public face of Coldwell Banker, Gillespie has become one of real estate industry’s most quoted executives and regularly appears on such prestigious media outlets as CNBC, CNN, Fox News Channel, PBS, ABC, CBS and Bloomberg.

GENERATIONAL MARKETING FUTURE TRENDS
ANN CLURMAN
Executive Vice President, The Futures Company

Ann Cluman is an Executive Vice President, Trends and Futures Consulting at The Futures Company. Her primary responsibilities at the firm are focused on the Yankelovich MONITOR® – the firm’s unparalleled study of consumer attitudes that forecasts lifestyles and behaviors. She has in-depth experience translating MONITOR research into growth opportunities for a wide range of client industries, including personal care, healthcare, retail, telecommunications, advertising and media. Described by US News and World Report magazine as “one of the best researchers and generation-watchers,” Ann is a nationally recognized authority and lecturer on American consumers. A knowledgeable and spirited presenter, Ann speaks before diverse client, industry and government groups. She is the coauthor of Generation Ageless: How Baby Boomers Are Changing the Way We Live Today…And They’re Just Getting Started (2007) and Rocking the Ages, The Yankelovich Report on Generational Marketing (1997).

DEVELOPING NEW BUSINESS RELATIONSHIPS WITH REALTORS
SUE WOODARD
President of Content and Publishing for Mortgage Success Source

Sue Woodard is the President of Content and Publishing for Mortgage Success Source, the combined entities of the Mortgage Market Guide, LoanToolBox and the Duncan Group. This organization helps more than 40,000 of America’s best originators with products and services designed to help them grow their businesses and achieve success.

In today’s tightening marketplace, how will you stand out from the rest of the pack? Do you know how to effectively gain the referral partnerships that will keep a stream of profitable referrals coming in your door?

BUILDING A PROFITABLE MORTGAGE BUSINESS IN ANY MARKET
JACK DALY
Speaker/Trainer/Coach/Author

Some folks thrive in mortgage lending when the refi market is hot, then struggle when it’s more of a purchase market. Yet, some mortgage lenders do well in every market. The housing and lending markets are certainly in turbulent times, unprecedented in nature and magnitude. And therein is the opportunity for those companies healthy enough to have survived the turbulence. Jack Daly has led successful mortgage banking enterprises for 20+ years and will share strategies and tactics to make today’s market one of opportunity for quality loan originations. Covering the importance of building a winning culture, to leading a top shelf origination team, to specific ways to build relationships and generate ongoing mortgage loan originations. Be prepared for a fast paced, real world session.

Jack Daly is an expert in sales and sales management inspiring audiences to take action in customer loyalty and personal motivation. Jack brings 20 plus years of field proven experience- from a starting base with the CPA firm Arthur Andersen to the CEO level of several national companies.

REVISED REGULATORY ENVIRONMENT COMING SOON
LARRY PLATT
Practice Area Leader, K&L Gates

Larry Platt is a Practice Area Leader of the Financial Services Practice of K&L Gates and serves on the firm s Management Committee. K&L Gates comprises approximately 1,900 lawyers in 33 offices located in North America, Europe and Asia, and represent capital markets participants, entrepreneurs, growth and middle market companies, leading FORTUNE 100 and FTSE 100 global corporations and public sector entities. K&L Gates maintains one of the most prominent financial services practices in the United States--with over 150 U.S- based lawyers representing diversified financial services institutions and their affiliated service providers. In 2007, 2008, and 2009, Chambers USA, an independent and research-based guide to the legal profession, ranked K&L Gates as having one of the leading financial services practices in the country and Mr. Platt as one of the nation s leading Consumer Financial Services Regulation Lawyers.

Mr. Platt concentrates his legal practice in (i) representing purchasers and sellers of mortgage companies and mortgage-related assets and in related transactions, (ii) counseling clients on federal and state consumer credit laws, (iii) defending clients in government enforcement actions, and (iv) advising clients on public policy issues related to housing finance issues. He was a founding member of the Board of Directors for Montgomery Housing Partnership, Inc., a nonprofit, tax-exempt owner and developer of affordable housing in Montgomery County, MD. He was the pro bono General Counsel for The Unitarian Universalists Affordable Housing Corporation and served for four years as counsel to the Board of Directors of St. Andrew’s Episcopal School in Potomac, Maryland.

TECHNOLOGY BEST PRACTICES
JIM JONES
President/CEO of First Wellesley Consulting Group, Inc.

James D. Jones, a national speaker for 17 years, has presented to financial services and mortgage audiences for organizations of all sizes, including Bank of America, ABN AMRO, American Bankers Association, Mortgagebot LLC, Mortgage Bankers Association and many other leading regional and state trade associations and companies.

First Wellesley focuses on strategic and collaborative consulting services focused on mortgage, home equity, consumer and commercial lending of financial services institutions. Working closely with clients to identify successful lending strategies and industry best practices, they design more efficient processes, better leverage technology and improve profitability and customer satisfaction.

First Wellesley analysis often include:

• Gaining operational efficiencies to reduce costs and Improve profitability
• Better leveraging technology at POS and back office
• Generating more applications, including online apps
• Creating “customer-captivating” POS experiences
• Expanding channel choice

ONE-ON-ONE SOCIAL MEDIA TRAINING & DEVELOPMENT
JOHN WAYNE ZIMMERMANN
President, eRockrtFuel

John Wayne Zimmerman leads a social media agency in Chicago called eRocketFuel. Previously, he was a founder of a software startup, a marketing executive in a non-profit, and a brand manager in consumer goods. He has a BA from the University of North Carolina, an MBA from DePaul, and post graduate studies from MIT. John is one of the top speakers of social media.

John’s experience with social media marketing grew while working for a national non-profit association in Chicago heading up their internet marketing efforts. The business quadrupled in just 5 years using the power of the Internet. The nonprofit watched sales sky-rocket from $5 million to a $20 million with over 30,000 members. This kind of growth was unheard of.

After this success John started eRocketFuel and marketed the heck out of the company. Today, they are one the nation’s largest providers of social media services for the non-profit industry.

REVERSE MORTGAGE
TOM WALKER
President/CEO, MEMBERS Trust Company

EQUITY IN REVERSE MORTGAGE… WILL YOU STILL FEED ME WHEN I’M 64?

This Beatles’ song now takes on real meaning for baby bombers as opposed to a youthful distance and rhetorical musing experienced in earlier years by many (including the speaker) in this generation. Experts have labeled the approaching last cycle of this python of a generation as the power years, regeneration phase, and deaccumulation stage. The latter certainly can claim its space which gives rise to the demand and need for reverse mortgages.

Equity in a home , despite falling home prices, constitutes a valuable resource and tool for this generation to supplement retirement income, provide cash to meet estate planning goals, enable them to age in place, and overall enjoy the days of their last cycle in control and in their own way.

This session will de-mystify several falsehoods about this product including: only impoverished seniors can benefit, the borrowers lose their home, the cost/benefits for the senior renders this product a bad bargain, lenders assume grave financial and reputation risks, and heirs adamantly object to a reverse mortgage.

Tom Walker has been President /CEO of MEMBERS Trust Company since its inception in 1987. He closed the first line of credit reverse mortgage made by private lender in 1987 at Suncoast Schools FCU. He offers real life experiences and an understanding of the legal , financial, and business factors to consider in developing a strategy to expand a credit union’s senior lending program to include reverse mortgages.

MORTGAGE SERVICING RIGHTS
ROBERT LEE
Senior Vice President, Capital Markets Group, MIAC

Robert W. Lee joined MIAC in September 2005 as Senior Vice President, Capital Markets Group. Currently, Robert Lee heads the Mortgage Servicing Rights Valuation Committee and is responsible for all valuation and modeling processes related to collateral performance. His diverse background in collateral asset groups ranging across the Mortgage Credit Spectrum is instrumental for enhancing the current MIAC models and offering insights to our clients.

Mr. Lee brings significant MSR valuation and transaction expertise to MIAC and is well known for his leadership role in developing pricing methods and relative value opportunities aimed for both the prime and non-prime sector. Mr. Lee has been involved with the valuation of NonAgency, Agency, and SubPrime MSR assets totaling over $6 trillion dollars in principal balance. He is a frequent presenter to the various Federal Home Loan Banks, Wall Street Firms, Hedge Funds and has spoken at the Federal Reserve. He is an active speaker at Risk management seminars and Mortgage Banker Association events.

In this breakout session Rob wil discuss the opportunities and pitfalls to be found when dealing with Mortgage Servicing Rights (MSR’s).

LOSS MITIGATION
PANEL DISCUSSION
Panel Members TBA

Loss mitigation - is used to describe helping a homeowner, handling the process of negotiation between a homeowner and the Credit Union. Our panel of Credit Union professionals will address their policies and procedures for such issues as:

• Loan modifications
• Short sales and/or Short refinance
• Deed in lieu
• Special Forbearance
• Mortgage Insurance Claims

Our panel will also present their experiences with maintenance of the subject property and other issues and circumstances involving assisting members in this most difficult hardship.

REALTOR RELATIONSHIP COACHING
TERRI MURPHY
Real Estate Author, Consultant & Speaker

Terri was a top producing real estate sales agent for 28+ years listing and selling over 100 homes a year in the Chicago area when interest rates were in double digits. This experience gave Terri the deep understanding of the unmatchable power of strategic alliances that create a truly unique and strong service differentiation in the marketplace today.

As a consultant to the National Association of Realtors, and CIO of U. S. Learning, Inc. in Memphis, Tennessee, Terri understands the critical need to interface technology solutions with personal connection that create truly exceptional relationships. Her experience in the real estate and lending industries provides deep insights into the needs and actions that create truly profitable strategic alliances.

She serves as the Chief Information Officer of U. S. Learning in Memphis and President of Terri Murphy Communications, Inc. Her expertise is consulting with companies, executives and associations on ways to create new relationships through cutting edge marketing and e-communication strategies.

This includes developing innovative ways to add value and support systems that enhance networking opportunities between companies, their customers and ancillary services that build true clients for life.

She is a published author of 5 books, including her most recent book with Donald Trump, “The Best Real Estate Advice I Ever Received”, produced and hosted both television and radio programs, and been featured on ABC, NBC and CNBC News as a sales industry expert.