Source: California Mortgage Bankers Association

Date: July 7, 2003

Contact: Marcella Rojas (916) 446-7100

What: The 31st Annual Western Secondary Market & Mortgage Banker Conference. Sponsored by the California Mortgage Bankers Association and California Bankers Association

When: July 10-11, 2003

Where: Westin St. Francis Hotel
San Francisco, CA

Register now for CMBA’s Western Secondary Market & Mortgage Banker Conference. Session and panel speakers represent a cross-section of experts from the mortgage banking industry. Through keynotes, panel discussions and breakout sessions, attendees will gain in-depth knowledge about a variety of secondary market topics, including warehouse lending, emerging markets, lending and hedging. Guest speakers include: John A. Courson, chairman of Mortgage Bankers Association of America; Richard Soukoulis, president and CEO of Loancity.com; and Daniel Hellams, managing director of Client Management at GMAC Residential Funding. Don’t miss out on this opportunity to hear some of the industry’s top speakers discuss the most important issues facing the secondary market and mortgage banking. Register now by calling Marcella Rojas at (916) 446-7100 or (209) 915-3625.

For a complete agenda, speaker list, and registration information, please visit: http://www.cmba.com/conferences.htm

NOTE: Press credentials must be obtained to attend CMBA events. All events are open to the media with the exception of CMBA committee meetings, and Board of Directors meetings. Individual interviews with CMBA officers and directors can be arranged through CMBA Communications. For more information, and to register for media credentials, contact Marcella Rojas at (916) 446-7100 or (209) 915-3625.

Events of Interest

Thursday, July 10, 2003

9:00 a.m. – 9:30 a.m.
Opening General Session: “Industry Update”
Keynote Speaker:
John A. Courson
Chairman, Mortgage Bankers Association of America

9:30 a.m. – 10:30 a.m.
General Session: “Where is the Business Headed?”
Featured Speakers:
Richard Soukoulis
President and CEO, Loancity.com

John A. Courson
Chairman, Mortgage Bankers Association of America

Daniel Hellams
Managing Director of Client Management,
GMAC Residential Funding

10:45 a.m. – 12:00 p.m.
Concurrent Sessions

Wharehouse Lending I
How to get your first Wharehouse Line
Featured Speakers:
Sue Silverman
Senior Vice President – Secondary Market, Metrociti Mortgage

Gretchen Verdugo
Executive Vice President, IWLG

Tony MacIsaac
Business Director of Warehouse Lending, PCFS Mortgage Resources Elsa Martinez Partner, Warehousing Advisory Services, Inc.

Switching from Broker to Banker? What you need to know…….
Featured Speakers:
Robert Satnick
Vice President, Home Savings Mortgage

Mike Levy
President/CEO, Home Savings Mortgage

Michael Reza
Senior Vice President, First Capital Group

Tony Bruschi
Vice President – Secondary Marketing, Radian Guaranty Mortgage Insurance Company

Surviving as a Mid-Size Mortgage Bank
Featured Speakers:
Jon Koskoff
Vice President-National Sales, IMPAC Funding Corporation

Chris George
President , CMG Mortgage, Inc.

Bill Coleman
CEO, PCM Financial Services

Lonnie Adams
Vice President-Secondary Marketing, SCME Mortgage Bankers, Inc.

12:00 p.m. – 1:00 p.m.
Luncheon Buffet in Exhibit Hall

1:00 p.m. – 2:15 p.m.
Concurrent Sessions

Wharehouse Lending II
Featured Speakers:
Laura Pephens
Principal, Pephens & Company

Bill Moffatt
Director Warehouse Lending, GMAC Residential Funding

Sally Shaver
Vice President, First Collateral Services, Inc.

Michele Perrin
First Vice President – Regional Manager Warehouse Lending Group, Washington Mutual

Alternative Lending Products and Opportunities
Featured Speakers:
Mike McQuiggan
Vice President – Secondary Market, Master Financial, Inc.

Kevin Yamane
Senior Vice President Correspondent Sales, Aurora Loan Services Inc.

Mark Mozilo
Senior Vice President, IndyMac Bank

Alan Peviani
Senior Vice President, IMPAC Funding Corporation

2:30 p.m. - 3:45 p.m.
Concurrent Sessions

Expanded Efficient Execution with Fannie Mae
Featured Speakers:
David C. Haithcock
Executive Director, CMBA

Rob Spellman
Director, Fannie Mae

Basic Hedging
Featured Speakers:
Stanley D. Kirst
Executive Vice President – Secondary Market, Platinum
Capital Group

Robert Chrisman, Jr.
Account Manager, Tuttle Risk Management

Brad Nease
Senior Vice President, Mortgage Capital Management, Inc.

If you are already Hedging….Looking at Assignment of Trade
Featured Speakers:
Ed Fuchs
Senior Vice President – Finance, Central Pacific Mortgage

Mike Quinn
First Vice President, Countrywide Correspondent Lending

Edward Fernandez
Regional Vice President, Wells Fargo Correspondent Lending

Steve Weaver
Chief Operating Officer, Investors Trust Mortgage

Friday, July 11, 2003

9:00 a.m. – 10:30 a.m.
Concurrent Sessions

Emerging Markets
Featured Speakers:
Erica Hamilton
Director of Emerging Markets, United Guaranty Residential Insurance Company

Raymond Morris
Vice President – Correspondent Lending/Northeast Division Manager, Chase Manhattan Mortgage Corporation

Lorrie Blevins
Emerging Markets Sales Manager, Freddie Mac

Irma Munoz
Senior Business Manager – Emerging Markets, Fannie Mae

Pending Regulatory Issues & RESPA
Featured Speakers:
Chris George
President, CMG Mortgage, Inc.

Melissa L. Richards
CMBA Legal Services Committee Chair

Joan Jaffe
Attorney at Law, Kirkpatrick & Lockhardt, LLP

10: 30 a.m.
Conference Adjourns

About CMBA
Founded in 1955, CMBA is the California association representing the real estate finance industry before all government and regulatory agencies. Headquartered in Sacramento, California, CMBA promotes fair and ethical lending practices through a wide range of educational programs, services and industry publications. CMAB provides its members a competitive edge by effectively aggregating political, economic and marketing power. Its membership of companies includes all elements of real estate finance. For more information, please visit CMBA’s Web site: www.cmba.com.