Banco Popular de Puerto Rico

David S. Bunton has served as President of The Appraisal Foundation since 1990. Prior to joining The Appraisal Foundation, he served as the Vice President of Government Affairs and Communications for the Federal Asset Disposition Association. He also previously served as a legislative assistant in the U.S. Senate for eight years and was a Congressional Chief of Staff in the House of Representatives for four years.

Brad Meyer is president of the Trinity Real Estate Solutions family of companies. He founded Trinity Real Estate Solutions in 2003 after spending years in the mortgage lending, financial services, field services, manufacturing and technology industries. Trinity's goal is to provide the banking, lending and insurance industries with a uniquely comprehensive range of residential and commercial products and services designed to mitigate risk. Contact Brad at 888.573.8025 or brad.meyer@trinityonline.com.�

Erin Jane Illman is an attorney with Bradley Arant Boult Cummings LLP (Charlotte, N.C.) and a member of the firm's Financial Services Litigation and Compliance�practice group. She can be reached at eillman@babc.com�or�704.338.6026

Kristi Kovalak is the director of marketing at the Lenders One Mortgage Cooperative and has more than 20 years of experience in marketing and communications. She is responsible for the marketing strategies at St. Louis-based Lenders One, developing marketing programs for Lenders One members and managing the member marketing services team. �

As CEO/president of The Compliance Group, Annemaria Allen has devoted her career to mortgage lending compliance. Prior to establishing The Compliance Group in 2000, Allen served as chief compliance officer for a top industry leader specializing in FHA loans.In addition, Allen�s past experience includes working for several multi-billion dollar mortgage lending companies, Wall Street investment firms and national banks in leading roles such as chief compliance officer, equity research analyst for the top 15 stocks in the United States, appraising, underwriting, processing and funding.Allen is a graduate of the American Bankers Association (ABA) compliance program at the University of Oklahoma and has received extensive training through the Mortgage Bankers Association (MBA), ABA and Fannie Mae/Freddie Mac. Moreover, Allen�s professional associations include:Board and committee member of the Mortgage Quality Assurance and Compliance sub-committee of the California Mortgage Bankers Association (CMBA);Member and past trainer in the School for Mortgage Regulators of the American Association of Residential Mortgage Regulators (AARMR);Member and alpha test group participant for mortgage licensing application standardization through the Conference of State Bank Supervisors (CSBS), in conjunction with the NMLS;Member of Industry Development Working Group panel, which works closely with the SSR and Nationwide Mortgage Licensing System (NMLS) to develop and modify the NMLS system;MBA member and committee participant on the developing of the Anti Predatory Lending Course and Compliance Certification program; andMember of the IMBA (Illinois Mortgage Bankers Association).Allen is a frequent speaker and presenter on panels and conferences relating to regulatory developments in mortgage lending, multi-state licensing, compliance and quality assurance.

Mr. Stotts has served the mortgage banking industry for the past 30 years.� He has held numerous senior and executive level positions with companies such as OneWest Bank, First Magnus Financial, Guaranty Residential, First Horizon and HomeSide Lending.� Mr. Stotts is currently the Vice President of Loan Administration for New American Funding in Austin, Texas.Throughout his career, Mr. Stotts has focused on operations (both origination and loan servicing), acquisitions, quality control and vendor management.In his current role with New American Funding, Mr. Stotts is responsible for customer service, escrow administration, special loans, property preservation, lien releases and vendor management.�In addition to the Certified Mortgage Banker designation earned through the Mortgage Bankers Association, Mr. Stotts holds a Bachelor�s Degree in Finance and Economics from Stephen F. Austin State University and a Master�s Degree in Finance from the University of North Texas.

Before joining MB Financial Bank, Jason worked in Fannie Mae's National Servicing Organization as the Director of Fannie Mae's Florida pre-foreclosure mediation program, and prior to that as Senior Corporate Counsel for litigation, workout and bankruptcy operations for Capitol Bancorp Limited (Lansing, MI and Phoenix, AZ).Jason has also been a partner in the private practice of law representing financial institutions and handling real estate transactional matters, and he has served as an Assistant Attorney General with the State of Michigan Department of Attorney General.� He is a graduate of Kalamazoo College and the University of Detroit Mercy School of Law.

Ralph LoVuolo Sr., the Mortgage Motivator, is an innovative, experienced, entertaining coach who shares more than 50 years of experience in the mortgage industry. He is a founding father of the New York Association of Mortgage Brokers and served as president of that organization for two consecutive terms. Additionally, Ralph served for six years on the board of directors of the National Association of Mortgage Brokers where he held the office of Parliamentarian.Ralph was an accredited instructor for both the New York and New Jersey Real Estate Commissions and was formerly an associate professor at two colleges, including New York University.Ralph can be reached at 561-509-8425. His email is Ralph@mortgagemotivator.com. His website is http://www.mortgagemotivator.com.