Vermont Mortgage Bankers Association

VERMONT BANKERS ASSOCIATION, INC.

VERMONT MORTGAGE BANKERS

2004 Mortgage Day

Thursday, May 20, 2004

Capital Plaza Hotel & Conference Center, Montpelier, VT

The Mortgage Committee of the Vermont Bankers Association along with the Vermont Mortgage Bankers Association are pleased to present this year’s Mortgage Day to be held on Thursday, May 20, 2004 at the Capitol Plaza Hotel & Conference Center, 100 State Street, Montpelier, Vermont.

Attendees at this conference will learn about:

v Legislative issues and proposed changes affecting banking in Vermont;

v Homeowner’s insurance coverage issues;

v How you can help the low to moderate income borrower;

v Creative solutions to customer loan challenges;

v Digital land records;

v How to increase your business by sharpening your sales skills;

v What drives a credit score?

There will be several industry individuals in attendance to address the above topics including:

Ø Chris D’Elia, President, Vermont Bankers Association

Ø Insurance Division Representative from the Vermont Department of Banking, Insurance, Securities & Health Care Administration

Ø Experts from NeighborWorks HomeOwnership Centers

PRELIMINARY PROGRAM OUTLINE

8:45 – 9:00 a.m. Registration and Continental Breakfast

9:00 a.m. WELCOME: Tom Robinson, Chair, VBA Mortgage Committee

9:05– 9:15 a.m. LEGISLATIVE UPDATE

Issues and proposed changes you need to know about

Chris D’Elia, President, Vermont Bankers Association, Inc.

9:15 – 9:45 a.m. WHY CAN’T MY BORROWER GET INSURANCE?

Current Homeowner’s insurance coverage issues and answers to your questions

Paul Bicica, Consumer Protection Director

Vermont Dept. of Banking, Insurance, Securities & Health Care Administration

9:45 – 10:30 a.m. REACHING LOW TO MODERATE INCOME BORROWERS

A panel of Experts from the Neighbor Works Home Ownership Centers discuss programs and opportunities.

Panelists: Colin Bloch, BCLT

Tracy Before, Gilman Housing Trust

Mary Rajda, Rutland West

Moderator – Cheryl Fisher, First Brandon National Bank

10:30 – Noon WHAT DO I DO WITH THIS LOAN REQUEST?

Real Solutions for your Real customer challenges. A Panel of seasoned pros from Freddie Mac, Fannie Mae, and VHFA will respond to 3 specific customer profiles with creative product solutions to address the customer’s challenges, and respond

to your questions. This is a great opportunity for a lively, interactive exchange with

Freddie, Fannie and VHFA.

Sharon McLaughlin Gowen – Fannie Mae

Ben Niles – Freddie Mac

Kelly Deforge – VHFA – Outreach Coordinator

Moderator – Diane Smith, Banknorth Mortgage Group

NOON Lunch & Presentation

DIGITAL LAND RECORDS

Deb Markowitz, Secretary of State

1:00 – 3:00 p.m. SALES MOTIVIATION – SHARPEN YOUR SURVIVAL SKILLS FOR THE CHANGING MARKET - This energetic and interactive program will get you thinking out of the box with ways to increase your business.

Mary Kay Skully – GE Capitol

3:00 - 3:30 P.M. CREDIT SCORES-WHAT DRIVES THE SCORE – A LOOK OUTSIDE THE BOX

Nancy Johnston – Marketing Representative, Credit Bureau Services of VT

An update on changes to credit scoring, how pulling a credit report impacts a credit score, and what is the best advice to a customer on how to improve their credit score, who to contact, and what to expect.

REGISTRATION FORM

REGISTRATION FEES (includes continental breakfast, lunch and meeting materials)

MEMBERS (VBA and VMBA) - $65.00

NON-MEMBERS - $130.00* (anyone not a member of the above groups)

The following individual(s) from this bank/firm will attend:

NAME

______________________________________________________________________________

MEMBER FEE: ____ x $65.00 per person = ____________

#attending Total amount enclosed

NON-MEMBER FEE: ____ x $130.00 per person = ____________

#attending Total amount enclosed

NAME OF BANK/FIRM_________________________ CONTACT PERSON___________________

Please make check payable to the Vermont Bankers Association and forward along with this registration form to P. O. Box 587, Montpelier, VT 05601-0587 OR fax or email registration (followed by original and payment) to 802-223-5078, vtbanker@sover.net.

Deadline for registration is Wednesday, May 12, 2004. Commitments with the Capitol Plaza Hotel & Conference Center preclude any reimbursements for cancellations received after that date, however substitutions are always welcome.

*Due to the Omnibus Budget Reconciliation Act of 1993, $27.00 (meals) is not deductible as a cost of doing business.

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