Diamond Sponsors:

Waves of CHANGECHANGEAMLA Conference • June 12–14, 2016

The Surf and Sand ResortLaguna Beach, CA

Sunday, June 12Registration 3:30 pm – 5:30 pmStop by the registration desk to pick up your name tag, goodie bag and conference agenda.

4:30 pm – 6:30 pm Happy HourJoin us on the Catalina Terrace for some beautiful ocean views, appetizers and a hosted Happy Hour. Your complimentary welcome cocktails will be sponsored by United Guaranty and Old Republic Credit Services.

Monday, June 137:30 am – 8:30 am Hot Breakfast

Pelican Room

8:30 am – 12:00 pm General Sessions Pelican Room

Session 1Bill Killmer, Senior Vice President of Legislative and Political Affairs, Mortgage Bankers Association (MBA)

“MBA Policy & Political Update”

Bill Killmer directs MBA’s outreach to Congress, as well as other key political advocacy eff orts. He is responsible for managing the real estate fi nance industry’s legislative and grass roots activities. Bill will give his perspective on the latest legislative and policy happenings in Washington. He’ll also discuss political news aff ecting the housing industry. Finally, he will provide his take on the presidential election and Congressional elections that may impact our industry.

Session 2Steve Richman, National Sales Trainer, Genworth Mortgage InsuranceMatt Gregory, Director of Mortgage Banking, One Reverse LLC

Moderated by Nicole Ehrbar, Vice President of Public Policy, Quicken Loans“The Changing Face of the Consumer”

The face of the American consumer is changing dramatically, and how we utilize fi nancial services products such as mortgage lending, continues to evolve. Millennials are just beginning their adulthood path; Baby Boomers are inching towards retirement; and then there’s everyone in-between. Is homeownership still part of Millennials’ American Dream? Even if it is, will they be able to aff ord it? How are Baby Boomers reshaping “retirement”? The mortgage industry continues to balance the varying needs of the population. This panel will discuss demographic shifts and trends and what that means for housing and mortgage lending landscape.

Monday, June 13 (continued)

Session 3

Jonas Moe, Vice President of Market Strategy, Ellie Mae

“Mortgage Technology Trends For Tomorrow and Beyond”

Technology has become critical in all aspect of the mortgage industry; it begins with reaching our current and future customers through Social Media and the Internet and continues all the way through the process with new loan servicing requirements base on compliance changes. Jonas Moe will discuss technology and its overall eff ects on our industry. Mr. Moe will provide his thoughts on what the true cost is to meet the complex demands of today’s Compliance requirements for lenders of all sizes. He will look at the technology needs of the borrowers of today versus borrowers of tomorrow; compare the needs of Boomers, Millennials and Minorities. He will also discuss technology trends we need to have on our radar to ensure we are prepared to meet the high demand of our customers and business partners. Technology is key!

Session 4

Matt Tully, Vice President, Government and Industry Relations, Essent Guaranty

“Building the Foundation for the Future of Housing Reform”

Matt handles government and industry relations for Essent Guaranty, where he manages the company’s interactions with policymakers and industry stakeholders on housing fi nance reform discussions. Matt will discuss the important regulatory changes that are taking place in Washington, how they have been informed by prior legislative discussions on Capitol Hill, and what infl uence they will have on future debates about our housing fi nance system. He will also discuss who the key players in housing fi nance will be in 2017.

12:00 pm – 1:00 pm Networking LunchCatalina Terrace

This will be your fi rst opportunity to win one of the cash prizes donated by Diamond Sponsor, Corporate Job Bank. CJB will be donating a total of $3,000 during the conference! Purchase your raffl e tickets before the conference or on site.

4:00 pm – 5:00 pm Mortgage Action Alliance (MAA) South of the Border ReceptionThe Mortgage Action Alliance is the grass roots organization of our National Affi liate, Mortgage Bankers Association. It is nonpartisan and there is no cost to join or maintain your membership. When your voice joins with the thousands of other MAA members, change is possible! Please join your fellow MAA Members for a South of the Border Reception. All attendees must be a MAA member to attend. Donations would be very much appreciated.

Waves of CHANGECHANGE

June12-142016

Tuesday, June 147:30 am – 8:30 am Hot Breakfast - Pelican Room

8:30 am – 9:00 am AMLA Annual MeetingKelly Powers, AMLA President

9:00 am – 12:00 pm General Sessions Pelican Ballroom

Session 1

Elliot Eisenberg, Ph.D., National Economist

“The Economic Forecast: It All Rests with Households”

Attend this entertaining and informative presentation on the economy and housing. Learn from Dr. Eisenberg how GDP growth will perform, how labor markets and wages will do, what path interest rates are likely to follow, how a whole host of other economic variables and importantly how the housing sector will perform. Dr. Eisenberg will look at credit conditions, inventories of both new and existing homes, household wealth and income, new home sizes, demographics and more so as to better explain the likely path of single-family and multifamily housing starts, existing home sales, home prices and origination activity. Dr. Eisenberg will then turn his attention to the condition of both the local and state economy and housing market and how they compare to nearby states and cities in terms of unemployment, employment growth, personal income, housing starts, housing prices and more.Thanks to Diamond Sponsor, AmeriFirst Financial, for bringing Dr. Eisenberg to our group.

Session 2

Nancy West, Housing Program Offi cerU.S. Department of HUD, Santa Ana Homeownership Center

“FHA Updates for Your Business”

Nancy West will provide an update on FHA changes that aff ect your business. Nancy will discuss topics such as Electronic Appraisal Delivery which takes eff ect on June 27th, the all-inclusive HUD Handbook 4000.1 (origination to post-closing) including the most recently released update and sections still to come. In addition, Nancy will also cover some recurring issues/problems that we see with underwriting and appraisals; legal action the Department has taken and why; the lender Supplemental Performance Metric for those institutions serving the underserved; and FHA by the numbers for AZ.

Tuesday, June 14 (continued)

Session 3

Dion Spencer, Esq.,Federal Housing Finance AgencyOffi ce of Congressional Affairs

“FHFA and Their Efforts to Achieve Housing Reform”

Dion Spencer will provide an overview and status update on what is happening at the federal level on Capitol Hill. Dion will also focus on the status of GSE reform eff orts and why comprehensive housing reform has been diffi cult to achieve. As conservator of the Enterprises, Dion will also provide the FHFA’s perspective on conservatorship and their approach to housing fi nance reform in a year where elections take precedence over legislation.

12:00 pm Box Lunches for the BeachPick up a box lunch to enjoy at the beach or the pool. Then explore beautiful Laguna Beach in the afternoon. Some of the attractions include the second smallest church in the world, a whaling wall, Heisler Park, the Laguna Art Museum, and an authentic shipwreck. And of course there are so many wonderful little shops and restaurants to visit!

6:00 pm – 7:00 pm Diamond Sponsor, AppraisalTek Cocktail Party at Las BrisasLegendary Las Brisas, overlooking the Pacifi c and the beautiful Laguna Beach coastline, has been a Southern California landmark since its inception in 1938 as the Victor Hugo Inn. Converted to Las Brisas in 1979, it has become a magnet for locals and visitors from all over the world. Thanks to AppraisalTek for hosting the cocktail party at such a breath taking location!

7:00 pm – 9:00 pm Dinner at Las BrisasLaguna Beach is home to some of most beautiful coastlines in California. With seven miles of beaches and coves, you’ll quickly understand why Las Brisas gets over 3 million visitors a year. Don’t miss the fi nal event of the conference!

Thanks to our Platinum Sponsors:• Cherry Creek Mortgage

• Credit Plus

• Equifax

• Genworth

• MGIC

• Nova Home Loans

• Old Republic Title

• Suburban Mortgage

2016 AMLA Conference RegistrationConferenceHost HotelLocated directly on 500 feet of California’s pristine Laguna Beach, the Surf & Sand Resort offers 167 private oceanfront guest rooms, all which feature stunning views of the Pacifi c Ocean. There is a beachfront pool, where sun cabanas and chaise lounges beckon. Check out the Aquaterra Spa, an oasis where you will be pampered with customized massages and body treatments. And you won’t want to miss the sunset views at Splashes Restaurant and the 15FiftyFive Lounge.

Not only do we have a very discounted rate of $279.00 per night, the resort fee has been waived, and we will have FREE underground parking. Don’t miss an opportunity to bring your family to this piece of paradise at a rate that you can’t get on your own.

#09-50173 4/16

Conference Sponsorships Contact Conference Chair

Kathryn Christen at (480) 200-4646

for sponsorship information.

You can also visit our website at

www.azmortgagelenders.com

to register.

ONE registration form per attendee/guest, please.Payment MUST accompany your registration form.

Name: Name on badge:

Guest Name: Name on badge:

Company:

Address:

City/State/Zip:

Daytime Phone: E-mail:

For sponsors only – please complete the following information:

My company is a Diamond Sponsor The registration form is for the person receiving the complimentary registration. Please register your guest (if applicable) on the “guest” line above.

My company is a Platinum Sponsor The registration form is for the person receiving the complimentary registration. Please register your guest (if applicable) on the “guest” line above.

My company is a Gold Sponsor The registration form is for the person receiving a discounted registration of $169.00. Please register your guest (if applicable) on the “guest” line above.

Early Member Registration (AMLA, SAMLA) $319 per person before May 13

Member Registration (AMLA, SAMLA) $349 per person, May 14-27

Nonmember Registration $419 per person

Guest Registration Please call the AMLA offi ce for Guest Registration Fees*

* Guest status is for non-industry attendees only. Note: Guests may not attend ANY conference function without registering.

$50 Late Fee will be applied after May 27th ______

Total Amount: $_____________

Method of Payment: Check Credit Card (VISA or MasterCard Only)

Credit Card #

Expiration Date V-Code

Billing Zip Code for Card

Cardholder Name Printed

Send registration with check payable to AMLA to: 27460 N. Cardinal Lane, Peoria, AZ 85383or fax with credit card information to (623) 433-8941. No refunds after June 1, 2016.Cancellations must be in writing. Questions? Please contact the AMLA offi ce at (623) 433-8940 / amla@cox.net.

Contact the Surf & Sand Resort at 1-877-741-5908 to reserve your room. Our group rate is $279.00, Sunday, June 12 through Tuesday, June 14.

The rate is guaranteed through May 20.

BROCHURE COMPLIMENTS OF MGIC