Substitutions
Send requests in writing to the attention of "Registration Substitutions" and include a $50 processing fee. See "Five Easy Ways to Register" for contact information.

In order to guarantee that your name will appear on the Final Registration List, substitutions must be received by November 21. After November 21, all substitutions must be done onsite.

Cancellations and Refunds
Send requests in writing to "MBA Cancellations." See below for the refund schedule.

* Received on or before November 10: Full refund minus $50 processing fee
* Received November 11-December 2: Refund of 50 percent of the registration fee
* December 2: No refunds after this date

Send Substitution and Cancellation Requests by fax, mail, express mail or e-mail (see information in "Five Easy Ways to Register").

Program Cancellation
In the unlikely event of program cancellation, MBA will refund 100 percent of registration fees paid. MBA assumes no liability for any penalty fees on airline tickets, deposits for hotel accommodations, or any other fees, charges, penalties or other incidental costs that a registrant might incur as a consequence of a program cancellation.

Attire: Business Casual

NO AUDIO OR VIDEO TAPING OF THE PROGRAM PERMITTED

*Use Express Mail for overnight deliveries to meet registration cut-off dates when applicable. Express mail only ensures postmark date for registration fees.

Mortgage Bankers Association (MBA) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Ave. North, Suite 700, Nashville, TN, 37219-2417. Web site: www.nasba.org