PRESENTERWallace has over 25 years in the mortgage business working as a mortgage loan officer, a construction loan officer, performed appraisals for residential mortgages, and serving as a branch manager. Wallace joined CU Members Mortgage as a loan officer in March of 1996 and became National Training Manager in 2002, a position he currently holds. In addition to overseeing the training department he also oversees internet origination platforms for both the Direct and Correspondent Division’s of CU Members Mortgage. He has written several articles for Credit Union periodicals and is often asked to speak at CUREN and credit union league functions.

2016 Mortgage Lending SeminarsC R E D I T U N I O N L E A G U E

Dallas: June 14 – 15, 2016Cornerstone Credit Union League, Academy Room6801 Parkwood Blvd, Suite 300, Plano, TX 75024-7198Phone: (800) 442-5762Early bird rate deadline: April 18, 2016 Regular rate deadline: May 16, 2016

Houston: October 4 – 5, 2016Member Source Credit Union10100 Richmond Ave., Houston, TX 77042Phone: (713) 627-4000Early bird rate deadline: June 6, 2016Regular rate deadline: September 5, 2016

DAY 1 TOPICS Best practices and options for offering a complete mortgage program to your members

• Referral of mortgages to a third party• Pros & cons of selling direct to FNMA, Freddie Mac or Federal Homeloan Bank & how to get approved• Options to work with a mortgage partners & earn income

Taking a complete loan application• Learn to take a loan application properly to smooth out the mortgage process for your member• Know when & what to ask your member based on the answers they provide on the 1003

UW Red Flags• When underwriting loans for your portfolio, learn when more investigation and documentation is required• Use common sense underwriting to make more loans

Products Overview (including portfolio product ideas)• Overview of all secondary market products (Conventional, FHA, VA, jumbo & USDA)• Portfolio products designed to give you a competitive advantage

DAY 2 TOPICSRegulatory topics & NCUA/CFPB audits

• Review of ability to repay and qualified mortgage• Review of TRID & changes the CFPB is considering • Review new HMDA rule

Growing your market share through Increasing purchase money applications• Grow your mortgage originations & portfolio by becoming experts in purchase business• Learn easy ways to work with realtors & gain their trust &referals

Growing your market share to emerged markets and millenials• Learn how to gain business from the all important Hispanic market• Growing millennial business & capturing new members!

We encourage participants to attend both days of training for the maximum learning experience. Some topics may overlap both days with different approaches. WHO SHOULD ATTEND? Those involved in originating, application, processing, closing & servicing home equity and/or residential real estate lending. In addition, this training is very beneficial for those in quality control, underwriting & compliance auditing, no matter what level of expertise.SCHEDULE FOR ALL SEMINARS* 8:30 – 9:00 a.m. – Registration & Continental Breakfast 9:00 – Noon – Session Noon – 1:00 p.m. – Networking Lunch (provided) 1:00 – 4:00 p.m. – Session *Includes 2 refreshment breaksDATES & LOCATIONSOklahoma City: May 24 – 25, 2016Credit Union House631 E Hill Street, Oklahoma City, OK 73105Phone: (405) 445-1513Early bird rate deadline: Feb. 22, 2016Regular rate deadline: April 22, 2016

Little Rock: August 23 – 24, 2016Arkansas Credit Union Association 1023 West Capitol Avenue, Little Rock, AR 72201Phone: (501) 376-6508Early bird rate deadline: April 22, 2016Regular rate deadline: July 22, 2016

HOTEL OPTIONSLITTLE ROCK OKLAHOMA CITY Wyndham Riverfront Embassy Suites, Downtown P: (501)371-9000; $94 per night P:(405)239-3900; $129 per night

DALLASSheraton Dallas North Hotel DoubleTree Hotel Dallas, GalleriaP:(972)661-3600; $118 per night P:(972)419-7607; $92 per night

Hotel Accommodations: Attendees are responsible for making their own sleeping room reservations. Be sure to indicate to the hotels that you are with the CSCUL group, for the Dallas hotels and Credit Unions of Arkansas for the Little Rock hotel, to get the special sleeping room rate. Rooms are available on first-come, first serve-basis.

FEE PER PERSON/PER DAYEarly Bird Fee $325 Regular Fee $375 Late Fee $425 Walk-ins accommodated on a space available basis. Your investment includes instruction, extensive handouts, continental breakfast, a networking lunch, and two refreshment breaks.

TWO EASY PAYMENT METHODS- PLEASE CHECK ONE Option 1: For payments via credit cards (Mastercard, Visa, or American Express) & Catalyst Corporate FCU, please visit us online at http://www.cornerstoneleague.coop/. Option 2: I authorize Catalyst Corporate FCU to debit the credit union account for $_________________ Account #_______________________ Authorized Signature ________________________________

Three Convenient Ways to Register 1. Online: http://www.cornerstoneleague.coop/education.html. 2. Fax this completed form to 469.385.6631 3. Mail this completed form to:

Attn: Training & Events, Mortgage Lending Seminar, 4455 LBJ Freeway, Ste 1100, Farmers Branch, TX 75244

I am a first time attendee

Please Choose a Seminar Date & Location

OKC Day One - May 24 Day Two - May 25 Dallas Day One - June 14 Day Two - June 15 Little Rock Day One - Aug. 23 Day Two - Aug. 24 Houston Day One - Oct. 4 Day Two - Oct. 5

Attendee Name ___________________________________Email _____________________________________________________(Note: Registration confirmations are sent via email ONLY to attendees. Please supply a unique individual email. Copy this form for additional registrants.)

Title/Department __________________________________________Credit Union ______________________________________Address _______________________________________City, State Zip ________________________, _______, _______________Telephone (________)________________ Emergency Contact/Number _________________________(_______)_____________

GRANT ASSISTANCE: Visit the Cornerstone Credit Union Foundation website (www.cscuf.coop) or call 800-953-8283 for educational assistance.

REGISTRANT CANCELLATION POLICY: Substitutions are always welcome. Registration fee refunds (less a $50 processing fee per person/per day) are granted for cancellations received in writing two weeks prior to the seminar.

SEMINAR CANCELLATION POLICY: Locations with less than twenty (20) registrants two weeks out may be cancelled. In the event of cancellation, all registrants will be notified.

EDUCATION CREDITS: Please contact Janine McBee, CUDE, Sr. Training Director at 800-442-5762 ext. 6634 or email at jmcbee@cornerstoneleague.coop, for information about tracking continuing education units (CEUs), including certifications or recertifications.

TRAINING PROMISE: Cornerstone promises to deliver value-priced training for your credit union with quality content and applicable solutions, presented by industry experts, to enable the success of your credit union.

If you have physical, medical or dietary needs requiring special attention, please contact Training & Events for proper arrangements to be made at (800) 442-5762 ext. 6630.

For questions or more information, please contact Cristina Lau at:P: 800.442.5762 ext. 6639; E: clau@cornerstoneleague.coop

2016 Mortgage Lending Seminars Registration Form

One attendee per registration form. Please make additional copies if needed.

C R E D I T U N I O N L E A G U E