61st Annual Convention June 18–19, 2014

Delray Beach Marriott

Presenting

Andre J. van Rensburg

INTERNATIONAL KEYNOTE AND MOTIVATIONAL SPEAKER

MANAGEMENT CONSULTANT AND TEAM TRAINER

As Our Keynote Speaker

Wednesday June 18th

10 AM Registration Open

2—4 PM Annual Business Meeting

MBAF President Address and Welcome by Alex Castellanos

MBA National Update, Bill Cosgrove, CMB, Chairman-Elect, MBA, Washington, DC and Chief

Executive Officer of Union Home Mortgage

Legislative Report, Eric Prutsman, Esq.

Committee Reports, Chairs

Carole Hendricks, Communications

Sandy Garcia and John Cosculluela, CMB, Convention

Pat Gaver, Future Leaders

Jay Ralstin, Legislative

Michael Azzarello, CMB and Kevin Strickland, Membership

Jay Ralstin and Dan Harrison, Secondary Conference,

Dan Harrison Presents the Nominating Report and Election of 2014/2015 Officers

President - Jay Ralstin, Envoy Mortgage—No Vote Needed

NOMINATED OFFICERS - To be voted on at the Annual Business Meeting

President Elect Sandy Garcia, Sierra Pacific Mortgage

Vice President Kevin W. Strickland, SunTrust Mortgage

Secretary-Treasurer Pat Gaver, Capital City Bank

Second Vice President Matthew Goldman, W.J. Bradley Mortgage Capital, LLC

NOMINATED DIRECTORS - 2-year terms - To be voted on at the Annual Business Meeting

Brett Bosarge, BB&T

Randi Gocinski, Radian

Cammie Aucoin, Sierra Pacific Mortgage

NOMINATED DIRECTORS - 1-year term

Michael Azzarello, CMB, Platinum Home Mortgage

President Alex Castellanos Recognizes and Presents Awards and Appreciation to our 2013/2014 Board of

Directors and Executive Committee

6—7:30 ? Or Later! PM Talent Show and Reception!

Continuing with our TEAMS theme, join us for a fun filled and exciting time and watch as our Local

Chapters bring us a look at the hidden talents of our members! There will be judging and a grand prize

awarded. After the show the evening is yours to explore Delray Beach.

4:15—5:15 PM

TEAMS “Together Everyone Achieves More Success”

Andre J. van Rensburg

You will have a complete understanding of the underlying principles

of synergy so that you can assess your own effectiveness and strate-

gically focus on those issues that may impede the efficiency of the

team. “TEAMS” uses analogies with nature and the lessons that

work teams can learn from animals that live in packs, herds and

prides. You will be amazed at how the animals react and act in cer-

tain situations which leads to an understanding of what we can learn

through nature.

Moderator: Alex Castellanos

Thursday June 19th

8 AM Registration Open

7:45—9 AM—CMB Society of Florida Breakfast

Meeting with speaker Tom Millon, CMB, Presi-

dent and CEO, Capital Markets Cooperative —The

CMB Society of Florida invites you to enjoy this

breakfast meeting if you are a CMB or interested in

hearing about becoming one. This is included in

your registration fee but you must check off on the

form if you will be attending so we have enough

room and food ordered. Other convention break-

fasts are listed below.

8—9 AM—Incoming Local Chapter Presidents

Orientation and Breakfast The incoming Local Chapter Presidents will meet to

review their state board duties and provide an ori-

entation to the activities for the year. You will also

elect someone as a representative on the MBAF

Executive Committee from your group.

8-9 AM—Attendees Breakfast (not going to

the CMB or Local Chapter Breakfasts)

9—10 AM—Economic Update

Doug Duncan, Chief Economist, Fannie Mae

10—11 AM—Appraisal Panel

Dave Bortolotto, Chief Appraiser, Mortgage Infor-

mation Services, Inc.

Tom Moser, QC Manager, Dart Appraisal

Mike Floyd, Chief Appraiser, Streetlinks

11—11:20 AM—Refreshment Break

11:20—12:20—Looking Beyond the Forest for

the Trees: QM is Just the Beginning

Jennifer Creech, CEO/President, InHouse USA

QM and CFPB are the priorities most in the busi-

ness are concerned about these days, and there

are very good reasons for us to be focused on

those topics. But there is a bigger picture – a

much bigger picture – beyond the trees in our in-

dustry’s path. The government is still our primary

investor, and QM and QRM are initiatives intended

to standardize investor-grade mortgages going for-

ward so that we can reduce the government’s in-

volvement and return to an industry funded pri-

marily by private capital. What can the valuation

community do to make that larger goal come to

fruition and usher in new, better era for mortgage

liquidity? Among other things, we can use technol-

ogy to manage our processes better and more

transparently, provide superior products and ser-

vice to our borrowers, and bring lenders greater

control in their compliance and collateral risk sce-

narios.

In this session, Jennifer Creech, president and CEO

of InHouse, Inc. illuminates the role of the valua-

tions industry in creating a compliant, economical

and transparent lending environment for the pre-

sent and future.

12:20—1:30 PM—Networking Luncheon

1:30—2:30 PM—Executive Panel

Bob Cabrera, CEO, Regions Mortgage

Stan Middleman, CEO, Freedom Mortgage

Charles Clark, SVP, Director of Mortgage Ware-

house Finance, EverBank

Jeffrey Walker, Executive Vice President, Retail

National Production Manager, SunTrust Mortgage

2:30—2:45 PM—Refreshment Break

2:45—3:45 PM—Technology Showcase

Michael Kelleher, Co-Founder, Easy Mobile Apps

Vincent Furey, OpenClose®

Don Rubin, New Account Sales, Calyx Software

Michael Dennis, Chief Security Evangelist,

InnerTag Inc.

3:45-5 PM-Industry Panel

Christy Moss, Senior Account Manager Business

Development Fannie Mae

Terry Koerner, Account Manager, Community

Lending, Freddie Mac

Tim Lange, Senior Director for Policy for the Na-

tionwide Multistate Licensing System (NMLS)

David Westcott, Director, Homeownership Pro-

grams, Florida Housing Finance Corporation

Dan Rogers, III, Director, Atlanta Home-

ownership Center (HUD)

6—10 PM (Evening Dressy)

Installation Reception and Banquet

Installation of the 2014/2015

Officers and Local Chapter Presidents

Presentation of the Brown L. Whatley Award

(Reception at 6 PM—Dinner Seating at 6:45)

Friday June 20th

8—11 AM

2014/2015 Board of Directors Breakfast and Meeting

Registration Information and Policy

Please register in advance. This enables MBAF to give accurate counts to the hotel and have all your

convention materials ready before you arrive.

Please pick up your name badge and registration packet at the MBAF registration area. Your full registra-

tion fee entitles you to attend all seminars, daytime food functions, and the evening parties. Full conven-

tion attendees will be given an official badge.

Three Ways to Register: Fax, Mail, Online! We accept: Visa, MasterCard, AMEX and checks.

First Time Attendees Receive a Discount

First time convention attendees receive a $50 discount off your full convention registration fee. Just check

the box on the registration form and deduct the $50.

**Please note: If a spouse or guest is employed in the mortgage banking industry, they must pay the

full registration fee.

Convention Registration Cancellations

The MBAF will accept convention registration cancellations in writing only by June 6, 2014 minus a $75

non-refundable cancellation fee. There will be no refunds for cancellations after June 6th or for no shows.

Once we make our guarantee to the hotel they do not allow any reductions.

Badges

You will be given a name badge at the registration desk. This badge is proof of your registration and must

be worn to all events to be admitted to all MBAF sponsored functions, or if your guest is not registered for

all convention activities they must present a ticket for admittance.

Dress Code

For all seminars resort casual is appropriate. The Installation Banquet is Evening Dressy. We also ask that

during seminars to remember to put your cell phones on silent and try to keep texting and returning mes-

sages until a break to be fair to those around you and the speakers.

Hotel Information

Delray Beach Marriott 10 North Ocean Blvd. , Delray Beach, Florida 33483

http://www.marriott.com/hotels/hotel-information/travel/pbidr-delray-beach-marriott/

Standard Room Single/Double Occupancy $159 Partial Ocean View Room Single/Double Occupancy $169

Partial Ocean View King Suite Single/Double Occupancy $179

Toll Free Room Reservations: 1-877-389-0169

Direct Hotel Phone: 1-561-274-3200 Room Reservation Cut-off Date: May 23, 2014

Bill Cosgrove, CMB, Chairman-Elect Bill Cosgrove, Chairman-Elect of the Mortgage Bankers Association, is

the Chief Executive Officer of Union Home Mortgage Corp., headquar-tered in Strongsville, Ohio. After joining what was then Union National

Mortgage Co. in 1994, Mr. Cosgrove was named company president just three years later. He then went on to purchase Union National in 1999. Union Home Mortgage will close over $1.2 billion in lending this

year.

In 2007-2008, Bill served as President of the Ohio Mortgage Bankers

Association. He serves on the MBA Board of Directors, is Chairman of MBA’s Diversity Committee, and has served on MBA’s Residential Board

of Governors (RESBOG) and the RESBOG Steering Committee. From 2008 to 2010, he was the Chairman of MBA’s Mortgage Bankers Political Action Committee (MORPAC), where he led efforts in raising $1.1 million dollars for industry activism. In 2011,

he was awarded the MBA’s Burton C. Wood National Legislative Service Award for his legisla-tive efforts on behalf of the mortgage banking industry. He has also served as Chairman of

MBA’s GSE Repurchase Request Task Force and was Co-Chairman of the Loan Originator Qualification Task Force.

Bill’s mortgage banking career began in 1986 as a residential loan officer. In 2000, at the age of 38, he was named by Crain’s Cleveland Business as a “40 under 40” top young executives

in Northeast Ohio. In 2003 he was inducted into the Bedford, Ohio High School Distinguished Hall of Fame for his accomplishments in Mortgage Banking. In 2004, he earned MBA’s Certi-

fied Mortgage Banker (CMB) designation. In 2008, Cosgrove was awarded the distinguished Hoddup Award for his many contributions to the Ohio Mortgage Bankers Association.

Charles Clark, SVP, Director of Mortgage Warehouse Finance, EverBank Mr. Clark has over 30 years’ experience in the financial services industry. Prior to joining EverBank in April of 2012, he founded and managed the Warehouse Lending group as Senior

Vice President at MetLife Bank for two years. Over the previous 10 years, he founded and managed the Structured Products Group for Sovereign Bank Capital Markets Division as

Senior Vice President. This group included the commercial, multi -family, and residential mortgage warehouse, as well as structured finance and securitization support for the bank’s balance sheet and clients. Over this period his group sold or securitized over $10 BLN in five

different asset classes. They were also responsible for originating and managing a $3.5 BLN mortgage warehouse portfolio. Prior to Sovereign, Mr. Clark held various positions with

four large investment banking firms including Morgan Stanley, Citigroup, Merrill Lynch, and Lehman Bros. His primary focus there was in sales, trading, and structuring of asset backed and mortgage backed securities and loans

Jennifer Creech, CEO / President, InHouse USA Jennifer brings over 20 years of senior management experience in

both retail and wholesale mortgage origination to InHouse. Her in-

dustry leadership and lender’s insights provide tremendous depth in

both the operations and origination aspects of the company’s busi-

ness, benefiting clients and vendors alike. Jennifer oversees In-

House Inc.’s day-to-day activities and is dedicated to creating the

most responsive, customer-centric appraisal and appraisal manage-

ment technology provider in the industry. She personally manages

and supervises many of the company’s client relationships and is

intimately involved in strategic decisions with all clients.

Her career includes managing 2.5 Billion of annual production at PNC/WAMU as a senior ex-

ecutive and building a de novo sales organization for RBC Mortgage (Royal Bank of Canada)

as senior vice president. As executive vice president at DeepGreen Financial, she was re-

sponsible for 5.5 Billion of annual production through their wholesale channel as well as for

re-branding the corporate identity.

Douglas G. Duncan – Vice President and Chief Economist, Fannie Mae Douglas G. Duncan is Fannie Mae’s vice president and chief economist.

He is responsible for managing Fannie Mae’s Economic & Strategic

Research Group and the Economics & Mortgage Market Analysis Group. In this leadership role, Duncan provides all economic, housing, and mortgage market forecasts and analyses and serves

as the company’s thought leader internally and with external con-stituent groups.

Named one of the country’s top four most accurate economists in

2010 by the Wall Street Journal, one of Bloomberg / Busi-nessWeek’s 50 Most Powerful People in Real Estate, and one of In-man News’ 100 Most Influential Real Estate Leaders for 2011,

Duncan is an important source of information and commentary on the external business and economic environment, and is a key spokesperson on the economy, housing, and

mortgage markets. Prior to joining Fannie Mae, Duncan served as senior vice president and chief economist of

the Mortgage Bankers Association (MBA) since 2000. Duncan served as the primary spokesperson on economic and mortgage market developments and performance for the

MBA, a trade group representing 3,000 companies that make the majority of all residential, multifamily, and commercial real estate loans in the U.S.

Before joining the MBA in 1992, Duncan worked on Capitol Hill as a LEGIS Fellow and staff member on the Committee on Banking, Finance, and Urban Affairs, and at the U.S Depart-

ment of Agriculture’s Economic Research Service. He has been elected to the Board of Di-rectors for the National Association of Business Economists, is a member of the American Economics Association and the American Real Estate and Urban Economics Association, and

is past president of the Housing Statistics Users Group.

Duncan received his Ph. D. in Agricultural Economics from Texas A&M University and his B.S. and M.S. in Agricultural Economics from North Dakota State University.

Mike Floyd Chief Appraiser, SVP of Compliance StreetLinks Lender Solutions® A practicing appraiser for nearly 20 years, Mike currently holds a

Certified Residential Appraiser license from the State of Indiana. As a founding member of StreetLinks’ predecessor, Superior Ap-praisal Services, Mike assisted in the training, education and in-

ternal quality assurance of a team of over 30 appraisers. His in-sight and expertise helped grow Superior from a local appraisal

firm into one of the largest direct appraisal providers in the Mid-west – and eventually, one of the largest and fastest growing non-captive AMCs in the country. As StreetLinks’ Chief Apprais-

er, Mike created and implemented the company’s extensive quality control and appraisal risk analysis procedures, which proved to be instrumental in en-

abling StreetLinks to become an industry leader. Today, as StreetLinks' Chief Appraiser and SVP of Compliance, Mike focuses on product quality, continuing vendor and internal educa-tion, consistent client communication, compliance with industry standards and AMC-specific

legislation, and new product development.

Christy Moss, Sr. Account Manager Business Development, Fannie Mae Christy Moss is a Senior Account Manager in the Business Develop-ment group within the Customer Engagement organization at Fannie

Mae. In here current role, she is responsible for working with lenders during the lender approval process as well as helping to support Fan-

nie Mae’s presence at industry conferences. In her previous role, she worked with lenders in the New England

markets, Florida and Alabama as a relationship manager.

Before joining Fannie Mae in 2008, Christy worked with Wachovia Mortgage and GE Capital Mortgage Services in correspondent lending.

Tom Moser, Quality Control Manager, Dart Appraisal Tom Moser is the Quality Control Manager at Dart Appraisal, an appraisal management

company based in Troy, Michigan. In this role, he ensures appraisal reports completed by Dart’s national appraiser panel meet the quality expectations and specific require-ments of the company’s clients. He is an expert at collateral risk analysis, leveraging 19

years of experience in the mortgage and appraisal industry. Before joining Dart, he worked for 12 years as a Fraud Investigator and Quality Control Supervisor at Home-

Comings Financial, a GMAC company.

Vincent Furey, SVP Lending Solutions,

OpenClose With more than 20 years of senior level banking experience, Vince is an industry veteran who has been instrumental in build-

ing and guiding profitable national lending platforms for both public and private institutions. In his current role, Vince leads

national sales and business strategy for OpenClose, focusing on the growth of their award winning Enterprise Lending Sys-tem. He has extensive experience in national sales, operations,

compliance, secondary marketing, credit and lending technolo-gy.

Vince joined OpenClose from Ovation7, LLC, a national consult-ing and business services firm he founded. There, he providing

C-level outsourced solutions to the banking and financial services industries with a speciali-zation in CIO/CTO level technology consulting, strategic planning, asset management, busi-

ness development and loan delivery. He has held senior leadership positions in the retail, wholesale and correspondent sales and operations platforms of industry players such as Mellon Bank, Bank One and Pinnacle Financial Corp

Andre J. van Rensburg is a management consult-

ant and highly sought-after keynote and motivational speak-

er on the subjects of identifying your business’ territory,

leadership, leveraging strengths, successful and sustainable

teamwork. An American citizen, he was born in South Africa

and has worked in various parts of the world including South

Africa and the UK. He has been living in the USA since

1999. He has a legal and a post-graduate qualification in Re-

al Estate Development. He was the CEO and majority share-

holder of the oldest privately owned real estate company in

South Africa. Since moving to the United States, Mr. van Rensburg has owned several suc-

cessful companies including Steer & Company USA, Prudential Commercial Real Estate,

and People’s Dynamic Development - a management consulting firm.

Mr. van Rensburg has delivered presentations about various aspects of management,

leadership, commercial real estate and the creation of successful and sustainable teams.

He has taught various specialty commercial real estate- and leadership courses all over

the world.

Mr. van Rensburg is a senior instructor for the CCIM Institute and Realtor’s Land Institute.

He has been awarded the 2009 Instructor Rising Star Award by the CCIM Institute. He was

also awarded the 2009 and 2010 Instructor of Distinction for the Realtor’s Land Institute

and the 2011 CCIM Instructor of the Year—Introduction to Commercial Real Estate. He is

also a Paul Harris Fellow.

Mr. van Rensburg recognized after running several successful companies and working with

very dynamic and successful people that there are certain uniform principals that success-

ful people and companies all consistently apply. He has been sharing these principles to

international audiences for many years. His incredible passion for the African bush together

with his training, understanding of people and experience in the business world has created

a natural platform for him to excel in speaking, teaching and consulting. His approach is

unconventional and quite different from traditional keynote sessions simply because his

TEAMS – “Together Everyone Achieves More Success” series uses analogies with na-

ture and the lessons that teams can learn from African animals that live in packs, herds

and prides. He illustrates why teams have excelled while great individuals have perished in

these economic times. He uses video footage and pictures to show how a true understand-

ing of natural behavior within a team and leveraging that knowledge affords the members a

greater opportunity to success.

David Westcott, Director, Homeownership Programs Florida Housing Finance Corporation David Westcott was appointed Director of Homeownership Programs at Florida Housing Fi-nance Corporation in October of 2005. In that capacity, he oversees Florida Housing’s Single

Family Mortgage Revenue Bond (First Time Homebuyer) Program and the Mortgage Credit Certificate Program, among others. Prior to his appointment as Director of Homeownership

Programs, he served as Florida Housing’s Multifamily Bonds Program Administrator for four years. Prior to that, he practiced real property and administrative law in both the public and private sectors in Tallahassee. Mr. Westcott received his Bachelor of Science in Political Sci-

ence and his Juris Doctor degree, with Honors, from Florida State University.