AGENDA

Agenda and Exposition Details (subject to change)

The annual Expo In The Sun presents a world of opportunity for Southern New England's entire mortgage community -- both residential and commercial. This annual event provides an ideal forum to see cutting-edge solutions designed to meet the needs of today and tomorrow. Industry experts are on hand to guide you through the challenging regulatory, compliance, security and marketing issues facing your company.

Unlike any other mortgage show in the northeast, the Expo In The Sun is proud to count numerous leading organizations as our Event Partners. The Expo is the most inclusive industry-wide mortgage conference. Produced by the Connecticut Mortgage Bankers Association and The Warren Group, we are joined by the Federal Home Loan Bank of Boston, the Rhode Island Mortgage Bankers Association, the Massachusetts Mortgage Association, the New England Financial Marketing Association, the Connecticut Association of Mortgage Brokers, the U.S. Small Business Administration chapters in Massachusetts, Connecticut and Rhode Island, the Appraisal Institute, the Massachusetts Bar Association, the Connecticut Bankers Association, the Real Estate Finance Association, the Massachusetts Board of Real Estate Appraisers, the Society of Industrial and Office Realtors, CCIM and more, in bringing together the entire mortgage community. Mortgage bankers, depository institutions, brokers, attorneys, appraisers, regulators, vendors and service providers will all be on hand.

The 2010 Exhibit Hall is a great place to see the latest in products and services for the entire mortgage industry, which are brought to you by leading vendors and organizations. The Exhibit Hall is open from 8 a.m. to 3:30 p.m., providing everyone with enough time to visit each of the exhibitors. With, literally, scores of companies available to help your organization, there are ideas and opportunities galore waiting for you here.

You will also discover a number of seminars, covering a broad range of topics affecting both the commercial and residential mortgage professions, as well as expert outlooks on marketing, the economy and the real estate markets. Many of our Event Partners are also offering specialized licensing and continuing education courses. Check the schedule, and make your plan to attend the programs of interest to you.

The staff and leadership at the Connecticut Mortgage Bankers Association, as well as at The Warren Group, welcome you to New England's largest, most inclusive and most exciting mortgage conference!

 

AGENDA AND EXPOSITION DETAILS (subject to change)

Thursday, January 14, 2010

2:00 p.m. - 7:00 p.m.    Exhibitor Booth Set-up
4:00 p.m. - 6:00 p.m.    Exhibitor-only Reception (cocktails and hors d’oeuvres)

Friday, January 15, 2010

6:00 a.m. - 8:00 a.m.    Exhibitor Setup

THE FOLLOWING SESSIONS AND ATTRACTIONS ARE OPEN TO ALL ATTENDEES OF THE EXPO IN THE SUN.
8:00 a.m. Expo In The Sun opens for all attendees and exhibitors
8:00 a.m. - 9:00 a.m.    Attendee/Vendor Continental Breakfast (complimentary)


9:00 a.m. - 9:45 a.m.    Concurrent Seminars

THE NEW RESPA RULES ARE NOW IN FORCE – HAPPY NEW YEAR?
This seminar will focus on the new RESPA rules which went into effect on January 1st and review compliance issues that have been raised to date.
Presenter: Richard A. Hogan, legislative and regulatory counsel, CATIC

 
MAKING THE MOST OF MORTGAGE PARTNERSHIP FINANCE
The Mortgage Partnership Finance program gives members of the FHLBank System a competitive alternative to selling their mortgages to secondary market agencies. Learn how the MPF Xtra product enables member financial institutions to offer competitive interest rates for long-term, fixed-rate mortgage loans, without assuming any of the credit risk associated with a credit-enhancement obligation. Member institutions do not retain credit risk for loans sold under the MPF Xtra product, there are no risk-based capital or credit-risk collateral requirements, and there is no leverage capital requirement. The MPF Xtra product offers member institutions an attractive alternative for selling first mortgage loans that they originate, allowing them to take advantage of a product designed to transfer loan risks to the investor.
Presented by the Federal Home Loan Bank of Boston

 

9:00 a.m. - 10:45 a.m.   

504 BASICS – GETTING THE COMMERCIAL R.E. LOAN MADE
SBA’s 504 loan program is designed to help businesses expand through acquiring real estate and capital equipment at exceptionally appealing interest rates and with less money down than customary.  This SBA loan product is beneficial in many way, and more so during times of economic uncertainty.  This product can reduce financing costs to businesses, reduce risk to lenders, and facilitate asset sales by improving financing options.  Whatever your connection to commercial fixed assets may be – as the operating business; as the lender; as the real estate broker, or as the seller whose clients need financing – this loan product should be on your resource list.
Presented by the U.S. Small Business Administration

 

10:15 a.m. - 11:00 a.m.    Concurrent Seminars

Special Keynote Presentation
WHAT'S NEXT FOR NEW ENGLAND?
The Expo is proud to present Edward A. Hjerpe III, president and CEO of the Federal Home Loan Bank of Boston, who will present a brief overview of the economy, both from a national perspective and, in particular, the New England region. He will also examine recent banking industry performance, comparing the region with nationwide trends. Finally, he will take a look at the Federal Home Loan Bank System and the current issues facing FHLB Boston.

NEW CONCEPTS IN MORTGAGE LEAD GENERATION
Manage the marketplace; don’t let the marketplace manage you.  Learn about new ways to boost your company’s services with referral partners and vendor service providers. You’ll find out how to extend your marketing reach in ways that will allow you to dramatically grow your originations. Learn new ways to optimize your leads, improve your marketing campaign management, scale and grow your business and reduce your up-front credit costs to zero.
Presented by Avantus
 

11:00 a.m. – Noon

SUSTAINING A BOOMING MORTGAGE PORTFOLIO
The volatility of the mortgage market has meant opportunity for market share gains by depository institutions.  But can banks and credit unions continue to capture ground in residential real estate lending?  Join the New England Financial Marketing Association as it presents a panel discussion open to all Expo attendees. Senior executives of four of the fastest-growing lenders in Southern New England come together as panelists to talk about what drove their success in 2009 - and what their marketing battle plans are in 2010 to keep the momentum surging.
Panelists are:
Chandler Howard, President, Liberty Bank (Middletown, Conn.)
Ed McDonald, President, Salem Five Mortgage Corp. (Salem, Mass.)
Richard Stout, Senior Vice President, Charter Oak Federal Credit Union (Groton, Conn.)
Denise Hawk, Director of Retail Lending, Country Bank (Ware, Mass.)
 

11:30 a.m. - 1:00 p.m.    Attendee/Vendor Buffet Lunch (complimentary)

 

1:15 p.m. - 2:00 p.m.    Concurrent Seminars

FINDING THE MONEY: COMMERCIAL REAL ESTATE FINANCING
The well of financing for commercial real estate has gone considerably more dry than it used to be. But financial institutions say they’re still in the market. Hear from a panel of lenders about what they’re looking for to make a deal work.

Panelists are:
John Patrick, President, Farmington Bank
John Cafasso, president, CCIM Connecticut Chapter
Jim Kelshaw, Credit Product Manager, Sovereign Bank
Robert Polito, Senior Vice President, Webster Bank
MODERATOR: Keith Kumnick, president, Society of Industrial and Office Realtors

IS “ON-DEMAND” LOAN ORIGINATION TECHNOLOGY RIGHT FOR YOU?
Learn about the benefits associated with implementing “On-Demand” Loan Origination technology.  Hear why community bankers are switching from legacy loan origination software to a “hosted” lending platform. Also learn how to obtain huge operation efficiencies by implementing this type of technology with a very small upfront investment.
Presented by: Marc Riccio, president, Specialized Data Systems, Inc.


2:30 p.m. - 3:15 p.m.    Concurrent Seminars
 

MAKING THE MOST OF MORTGAGE PARTNERSHIP FINANCE
The Mortgage Partnership Finance program gives members of the FHLBank System a competitive alternative to selling their mortgages to secondary market agencies. Learn how the MPF Xtra product enables member financial institutions to offer competitive interest rates for long-term, fixed-rate mortgage loans, without assuming any of the credit risk associated with a credit-enhancement obligation. Member institutions do not retain credit risk for loans sold under the MPF Xtra product, there are no risk-based capital or credit-risk collateral requirements, and there is no leverage capital requirement. The MPF Xtra product offers member institutions an attractive alternative for selling first mortgage loans that they originate, allowing them to take advantage of a product designed to transfer loan risks to the investor.
Presented by the Federal Home Loan Bank of Boston
 
REAL ESTATE ROLLERCOASTER
The market’s down, it’s up, it’s down again. What does the residential real estate forecast look like for 2010? Hear the prognosis by the region’s top market watcher.
Presenter: Timothy M. Warren Jr., CEO, The Warren Group

3:15 p.m.    Raffle (for non-Exhibitor attendees only and must be present to win)

 

3:30 p.m.    Show Closes

 

 

CONTINUING EDUCATION SESSIONS:

PLEASE NOTE: The Expo In The Sun is proud to host the following continuing educations sessions. These sessions are produced by their respective associations. Participation in these sessions will incur an additional fee. Registration for the Expo does not automatically entitle a registrant to attend a CE class. To sign up for any of these continuing education courses, please click on the link provided with each session.
 
8:30 a.m. – 11:30 a.m.
CONN. MANDATORY LAW OFFERING
Required 3 hour module to renew appraiser license.
Speaker: Sean Hagearty, MAI
Cost: Free to AI members. $40 for non-members
Presented by the Connecticut Chapter of the Appraisal Institute

8:30 a.m. – 11:30 a.m.
3- Hour SAFE ACT - FEDERAL LAWS AND REGULATIONS
Mandatory pre-licensing course for mortgage originators
Includes all the regulations specified in the SAFE Act for required core program: RESPA, TILA, MDIA, HMDA, SAFE, ECOA, Fair Credit Reporting, Privacy/Do Not Call, FACT Act.
Cost: $80.00 CMBA/CTAMB member and $110.00 for non-members.
Presented by the Connecticut Mortgage Bankers Association

 

Mortgage Loan Originator Review Crammer
Course Hours: 9:00 AM – 11:00 AM
Lunch & Exhibit Hall Break: 11:00 AM – 12:30 PM
Course Hours: 12:30 PM – 2:30 PM
If you are a Mortgage Loan Originator, you should attend this in-depth course to arm yourself with the essential information that will help you prepare for, take and pass the National SAFE Act test.  This course provides a comprehensive overview of what you should know, including:
* SAFE Act Guidelines & Requirements
* Federal Mortgage-Related Laws
* General Mortgage Knowledge, Loan Processes, Loan Terminology
* Mortgage Loan Origination Activities, Loan Programs, Lending Calculations
* Ethics
* Overview of the National Mortgage Licensing System Test Guidelines
* Practice Exams and Answer Guides
Speakers:  Denise Leonard, Executive Director, MMA & New England Mortgage Education Council,
Rick Bettencourt, Mortgage Assistance Co. & New England Mortgage Education Council
Cost:  $95 MMA & CMBA Members and $145 Non-members.
Presented by the Massachusetts Mortgage Association

 

12:30 P.M. - 3:30 P.M.
3-Hour SAFE Act - ETHICS, FRAUD AND CONSUMER PROTECTION: WHAT REGULATORS WANT YOU TO KNOW
Mandatory pre-licensing course
Includes all required topics specified in the SAFE Act for this required core program: Fraud, Consumer Protection and Fair Lending.
Cost: $80.00 CMBA/CTAMB member and $110.00 for non-members.
Presented by the Connecticut Mortgage Bankers Association
 
1:15 P.M. - 4:15 P.M
EMINENT DOMAIN IN THE STATE OF CONN.
This session will discuss who is eligible to condemn and what can be condemned, determination of Equities, Just Compensation, Proof of Value, The Appraiser as Expert Witness, Cost To Cure Damages, Inverse Condemnation as well as the Procedure To Challenge Condemnation.
Speakers: Laura Bellotti, Esq, Elliott Pollack, Esq., Gregory F. Servodidio, Esq. and Richard Allen.
Cost: $40
Presented by the Connecticut Chapter of the Appraisal Institute
 
8 a.m. to 3:30 p.m.
SPECIAL ALL-DAY PRESENTATION FOR FINANCIAL MARKETERS
NEW ENGLAND FINANCIAL MARKETING ASSOCIATION WINTER MEETING
Earn up to 8 CFMP credits by attending the Winter Conference of the New England Financial Marketing Association.
Cost: NEFMA members, $195. Non-members, $260.
Presented by the New England Financial Marketing Association

 
9:00 AM  -  9:15 AM
PRESIDENT'S REMARKS
Rachel Stewart, New England Financial Marketing Association President, 2009 - 2010
Join Rachel Stewart for a NEFMA update. First chartered in 1970 as the Bank Marketing Association, NEFMA today has a diverse membership of approximately 300 financial marketing executives from banks, credit unions and financial service companies.
 
 
9:15 AM  -  10:30 AM
NAVIGATING A CHANGING REGULATORY LANDSCAPE
The Impact of Proposed Legislation on Overdraft Programs
 
 
11:00 AM  -  12:00 PM
Panel Discussion with Financial Institution Executives – Open to ALL Expo Attendees
SUSTAINING A BOOMING MORTGAGE PORTFOLIO
Denise Hawk, Director of Retail Lending, Country Bank (Ware, MA)
Chandler Howard, President, Liberty Bank (Middletown, CT)
Ed McDonald, President, Salem Five Mortgage Corp. (Salem, MA)
Richard Stout, Senior Vice President, Charter Oak Federal Credit Union (Groton, CT)
The volatility of the mortgage market has meant opportunity for market share gains by depository institutions.  But can banks and credit unions continue to capture ground in residential real estate lending? Senior executives of four of the fastest-growing lenders in Southern New England come together as panelists to talk about what drove their success in 2009 - and what their marketing battle plans are in 2010 to keep the momentum surging.

 
1:00 PM  -  2:00 PM
INCREASING APPLICATION VOLUME
Breakthrough Mortgage Strategies: Multi-Channel Point-of-Sale Success with Advanced Technology
James D. Jones, President/CEO, First Wellesley Consulting Group, Inc.

2010 is shaping up to be a year of unparalleled mortgage challenges and opportunities. Lenders across America are increasing application volume, reducing costs and enhancing their competitive advantage - all while achieving superior customer satisfaction throughout the mortgage process. How? By using affordable, easy-to-implement, “smart” POS origination solutions to take complete and accurate applications from any point of sale–consumer-direct via the Web, in the branch or call center, or with professional loans officers–so lenders never miss a mortgage opportunity.

2:15 PM  -  3:15 PM
AN EDUCATED CONSUMER IS YOUR BEST CUSTOMER
Creating Smarter Borrowers through Financial Education
Leo MacNeil, HarborOne Credit Union
HarborOne Credit Union’s nationally-recognized MultiCultural Banking Center was created to help low and moderate-income residents, minorities and immigrants avoid predatory financial practices through education. To date, over 1500 students have taken classes at the center, including courses on the basics of personal finance, first-time home ownership, foreclosure prevention and English as a second language. The Center works to create educated consumers who recognize the traps and gimmicks used by predatory lenders.  This is the first step in ensuring that people never have to face the prospect of losing their homes. Learn how HarborOne and its community partners have assisted thousands of people through foreclosure counseling, homebuyer education and down payment and closing cost assistance – and made a positive impact on the local economy.  
 
Bob O'Meara, Director of Research, Raddon Financial Group
 
With credit card legislation now law, Congress will likely look at overdraft programs and related fees.  An early version of proposed legislation would require notice to consumers at the ATM or point-of-sale terminal when a purchase is about to trigger an overdraft.  protection related to checking accounts and debit cards.  Bob will explore this potential legislation and the impact on fee income and checking account strategy.