Vermont Mortgage Bankers Association

VERMONT BANKERS ASSOCIATION, INC.

VERMONT MORTGAGE BANKERS

The Mortgage Committee of the Vermont Bankers Association in conjunction with the Vermont Mortgage Bankers Association are pleased to present this year’s Mortgage Day to be held on Tuesday, May 16, 2006 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 Foreclosure and permitting issues

v Reverse mortgages

v Natural disasters and homeowner’s insurance

v Affordable housing initiatives

v Behavioral tendencies: both yours and your customers

Participants on the program to address the above issues include:

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

v Andy Mikell, Vermont Attorney’s Title Corporation AND Hal Miller, First American Title

v John Olmstead, FHA/HUD; Mark Burton, Fannie Mae; Bob Wechsler, Financial Freedom Senior Funding Corporation

v Jennifer A. Goeke, Liberty Mutual

v John Hall, Commissioner of Housing and Community Affairs, State of Vermont and Dave Adams, VHFA

v Sonia Ascher, TD Banknorth

The day will begin with registration and continental breakfast at 8:45 a.m. followed by the opening welcome at 9:15 a.m. Adjournment will be at approximately 3:00 p.m.

This seminar is designed for lenders, underwriters, originators and other personnel in the mortgage area of your organization.

Enclosed please find an in-depth program outline as well as a registration form and hotel parking permit (which must be copied on colored paper). Deadline for registration is Tuesday, May 9, 2006. Commitments with the Capitol Plaza preclude reimbursements for cancellations after that date, however substitutions are always welcome.

If you have questions, please contact Judy Ribolini at the VBA office.

VERMONT BANKERS ASSOCIATION, INC.

VERMONT MORTGAGE BANKERS ASSOCIATION

2006 Mortgage Day - Tuesday, May 16, 2006

Capital Plaza Hotel & Conference Center, Montpelier, VT

PROGRAM OUTLINE

8:45-9:15 Registration and Continental Breakfast

9:15-9:20 WELCOME

Sue Laferriere, Chair, VBA Mortgage Committee

Vice President/Mortgage Lender, Union Bank

9:20-9:45 LEGISLATIVE UPDATE

Hear from your Association lobbyist about legislation passed which could

affect the way you do business in your financial institution!

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

9:45 – 10:30 LEGAL HOT TOPICS

Important foreclosure and permitting issues you need to know about.

Andy Mikell, Vermont Attorney’s Title Corporation

Hal Miller, First American Title Corporation.

10:30 – 10:45 BREAK

10:45 – 11:30 REVERSE MORTGAGES

Learn about reverse mortgages and how to access the equity in your home for financial independence.

John Olmstead from FHA/HUD

Mark Burton of Fannie Mae

Bob Wechsler, Financial Freedom Senior Funding Corp.

11:30 – 12:00 ARE YOU READY FOR A NATURAL DISASTER?

What disasters are not covered by a regular homeowner’s policy? Steps you can take to protect your family and home in case a disaster strikes.

Jennifer A. Goeke, Liberty Mutual

12:00 - 12:45 LUNCH

12:45 – 1:30 HOMES FOR VERMONTERS/AFFORDABLE HOUSING

What is being done about affordable housing? Also, understanding the

issues and challenges for mobile home financing, home to over 39,000 Vermonters.

Who does mobile home financing in parks and on land? (Printed form for resources).

John Hall, Commissioner, Dept. of Housing & Community Affairs, State of Vermont

Dave Adams, Vermont Housing Finance Agency

1:30 – 3:00 THE MAGIC OF BEHAVIOR

This is an interactive session. The goal and objective of this session is to understand behavioral tendencies and how they affect us; to understand, respect, and value individual differences; and, to enhance our effectiveness through improved relationships with others. Sonia Ascher, Trainer, TD Banknorth

REGISTRATION FORM

VERMONT BANKERS ASSOCIATION, INC.

VERMONT MORTGAGE BANKERS ASSOCIATION

PRESENTS:

2006 MORTGAGE DAY

Tuesday, May 16, 2006

Capitol Plaza Hotel & Conference Center

Montpelier, Vermont

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

MEMBERS (VBA & VMBA) - $70.00*

NON-MEMBERS - $140.00* (anyone not a member of the above groups)

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

NAME

______________________________________________________________________________

MEMBER FEE: ____ x $70.00 per person = ____________

#attending Total amount enclosed

NON-MEMBER FEE: ____ x $140.00 per person = ____________

#attending Total amount enclosed

NAME OF BANK/FIRM_________________________________________________

CONTACT PERSON______________________EMAIL ADDRESS________________________

Please make check payable to the Vermont Bankers Association and forward it 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, contact@vermontmba.com. Deadline for registration is Tuesday, May 9, 2006. 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, $31.19 (meals) is not deductible as a cost of doing business.

Here is your Vermont Bankers Association Capitol Plaza Parking Lot Permit. The permit may be used only on the day(s) indicated and must be copied on colored paper for use. Please do not park in any private parking or reserved space. This permit is not good for metered spaces on the street. Place the permit on the dashboard on the driver’s side of the vehicle.

---------------------------------------------------------------------------------------------------------------------

PARKING PERMIT

Good only on May 16, 2006_______________