Wednesday, November 28

8:00 a.m.-8:30 a.m.
Coffee Service

8:00 a.m.-4:15 p.m.
Exhibit Hours

8:00 a.m.-5:15 p.m.
Conference Registration

8:30 a.m-11:45 a.m.
Basics Workshops (Optional)

8:30 a.m.-10:00 a.m.
Basics Workshop 1: Technology Foundations of the Mortgage Industry
Get a better understanding of today’s mortgage technology building blocks. This session explains in plain English the basic concepts of XML, HTML, the Internet, PKI, electronic signatures, SMART® Documents, wireless technologies, Web services and more.

10:00 a.m.-10:15 a.m.
Refreshment Break

10:15 a.m.-11:45 a.m.
Basics Workshop 2: Key Legal Requirements for the Mortgage Industry
Requirements for the Mortgage Industry Gain a high-level framework of the key legal requirements surrounding mortgage origination and lending. This discussion examines the concepts incorporated in ESIGN and UETA and covers basic regulatory requirements, such as TILA, RESPA, Gramm-Leach-Bliley, Reg AB, Sarbanes-Oxley Act and their effects on mortgage originations and technology.

1:00 p.m.-1:15 p.m.
Welcome and Introductions

1:15 p.m.-2:30 p.m.
eMortgage Adoption Issues and Solutions
The road to eMortgages has been steady but adoption has been slower than hoped. Hear from this expert panel on what the challenges are, what’s
being done to overcome them, new developments and the prospects for accelerated progress.

2:30 p.m.-2:45 p.m.
Refreshment Break

2:45 p.m.-4:00 p.m.
New Challenges, New Technologies
The real estate finance industry has faced new challenges during the past year that include increased delinquencies and foreclosures, as well as new regulatory guidance and initiatives. This expert panel covers a number of subjects, including federal and state regulators’ nontraditional and subprime guidance, state and federal laws, loss mitigation, and how technology can help your company comply — including assuring third-party
compliance.

4:00 p.m.-4:15 p.m.
Refreshment Break

4:15 p.m.-5:15 p.m.
Outsourcing and Other Hot Topics in Law and Technology
Many lenders now outsource key functions, including technology, across the nation and overseas. Experts consider how companies can navigate
the many technology and legal issues presented by these arrangements, including system compatibility and data security and compliance concerns.
Panelists also discuss other hot law and technology topics.

5:30 p.m.-7:00 p.m.
Opening Reception

Thursday, November 29

8:30 a.m.-9:00 a.m.
Continental Breakfast

8:30 a.m.-3:45 p.m.
Exhibit Hours

8:30 a.m.-5:00 p.m.
Conference Registration

9:00 a.m.-10:15 a.m.
Intellectual Property Issues
An understanding of the legal issues surrounding intellectual property is essential to developing and protecting technology advances while contributing to industry standardization. This panel addresses the range of issues in this area, including business process patents and the recent Supreme Court ruling on this subject.

10:15 a.m.-10:30 a.m.
Refreshment Break

10:30 a.m.-11:45 a.m.
Data Security, Consumer Privacy and Identity Theft
Data security, consumer privacy and identity theft are significant issues that cannot be ignored. This knowledgeable panel discusses Fair Credit Reporting Act and Gramm-Leach-Bliley requirements and their implications for mortgage technology practices and consumer data protection, as well as developments concerning security breaches, identity theft protection and more.

11:45 a.m.-12:45 p.m.
Networking Luncheon

12:45 p.m.-2:00 p.m.
eDiscovery and Revisions to the Federal Rules of Civil Procedure
Changes to the Federal Rules of Civil Procedure have significant ramifications for discovery of email and other electronic records, as well as electronic records retention. Learn from experts as they discuss all of the key issues at the intersection of litigation and IT.

2:00 p.m.-2:15 p.m.
Refreshment Break

2:15 p.m.-3:30 p.m.
eNotes, the MERS® eRegistry and Warehouse Lending - Perfecting a Warehouse Lender's Interest in
Paper in a Paperless World There have been special challenges to warehouse lending in the new world of eMortgages. Panelists consider these
issues and explain how the MERS® eRegistry allows you to “hold” an original electronic note when there’s no wetink-signed paper copy (including recent foreclosure litigation developments).

3:30 p.m.-3:45 p.m.
Refreshment Break

3:45 p.m.-5:00 p.m.
Ask the Experts - Open Forum
Participate in an open forum with the industry’s leading legal and technology authorities to address questions and share ideas on the range of issues
covered by the conference and beyond.

5:00 p.m.-6:00 p.m.
Exhibit Networking Reception

Friday, November 30

8:00 a.m.-8:30 a.m.
Continental Breakfast

8:00 a.m.-11:45 a.m.
Conference Registration

8:30 a.m.-10:00 a.m.
Protecting Your Company: Technology for Fair Lending, Fraud Detection and Other Purposes
Technological systems can help assure Fair Lending and HMDA compliance and protect against legal liability and fraud. Panelists explore the latest
developments in these important areas, including the industry-wide Anti-Fraud Database initiative, and how technology is helping meet other legal demands including settlement agreements.

10:00 a.m.-10:15 a.m.
Refreshment Break

10:15 a.m.-11:45 a.m.
Secondary Market Developmentsin eMortgages
Panelists provide an update on Fannie Mae, Freddie Mac and Wall Street activities in the eMortgage space and their plans going forward.

11:45 a.m.
Conference Concludes