Neighbourhood Dominion Lending Centres

Hosted At “Deerhurst Resort” Huntsville

Neighbourhood Dominion Lending Centres

In Association With

Dominion Lending Centres

Home Capital Solutions

Welcomes You To Our

Annual Sales Conference

June 14 - 15, 2012

Annual Sales Conference Agenda

Thursday June 14, 2012 9:00 am - 10:00 am Lender/Supplier Trade Fair Peninsula Room

10:00 am - 12:35 pm Conference Peninsula Room

12:35 pm - 1:35 pm Lunch & Trade Fair Rotunda & Peninsula Room

1:35 pm - 4:30 pm Conference Peninsula Room

5:00 pm - 7:00 pm Cocktails Hospitality Suite Room #51102

7:00 pm - 9:00 pm Dinner Waterhouse Ballroom 5

Friday June 15, 2012

7:00 am - 9:00 am Breakfast Eclipse Dining Room

8:00 am - 9:00 am Lender/Supplier Trade Fair Peninsula Room

9:00 am - 12:20 pm Conference Peninsula Room

12:20 pm - 1:20 pm Lunch & Trade Fair Rotunda & Peninsula Room

1:20 pm - 5:00 pm Conference Peninsula Room

5:00 pm - 7:00 pm Cocktails Hospitality Suite Room #51102

7:00 pm - 9:00 pm Dinner Peninsula Room

Saturday June 16, 2012

7:00 am - 11:00 am Breakfast Eclipse Dining Room

**Please have your food vouchers to redeem for all breakfast buffets & dinners**

On Behalf of Neighbourhood Dominion Lending Centres

Welcome To Our

7th

Annual Sales Conference

It has been an interesting year since we all had the opportunity to meet at our conference last September

at Queens Landing in Niagara-on-the-lake.

We have seen some big changes to our industry with the introduction of the new lending rules

implemented by the international lending community.

There were also changes that were set in motion by our federal government which caused

CMHC, Genworth and Canada Guaranty to change the lending practices of the insured mortgages

in Canada. There will likely be more changes coming, we will need to understand and embrace them

and try to fight them.

Lines of credit for high ratio mortgages are now gone and the lenders and insurers have also tightened

up the rules for self-employed clients.

Some people will look at these changes as negative, but as mortgage agents and brokers we need to

look at them as positive. We can spread the word that these people are still great clients. We just need

to work the deals a little differently than we have over the last five years. These clients also know

the rules have changed as most have found that their financial institutions have tightened up on

their business lines of credit.

Our conference is designed to help make our market stronger. As we mingle with some of the executives

of our lending partners, underwriters and business development officers, it helps us to understand

their needs and how we can become more efficient. By working together, we can help them achieve

lower cost of funds, overhead and can also help them to cross sell other products which will make them

more profitable. As mortgage originators, we do not want to lose any more lenders from our marketplace.

It is our vision to encourage strong relationships with our industry partners by bringing them

together with our teams at events such as this

Building bridges through knowledge and mutual respect will create a solid foundation for the

growth of our future.

To accomplish great things, we must not only act, but also dream; not only plan, but also believe.

~Anatole France~

A Heartfelt Thank You To The Following

Presenters For Their Time & Participation...

The Education, Confidence & Tools Provided

Are Invaluable To Our Industry...Thank You!

Harold Cowling, CMHC

on behalf of IMBA

Laurie Campbell

CEO Credit Canada

Dawn Desjardins

Assistant Chief Economist

Claire Drage

CEO Mortgage Agent

Mark Webb

Marvin Alexander

Realtor

Doug Jones

Sr. Vice President

A Heartfelt Thank You To The Following

Sponsors & Lending Partners...

Without Their Generosity and Support, Events

Like This Would Not Be Possible...Thank You!

Notes

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Thursday June 14, 2012

10:00 am - 10:35 am

Welcome & Opening Remarks

10:55 am - 11:55 am

RBC Dawn Desjardins, Assistant Chief Economist

11:55 am - 12:35 pm

Best Practices Panel

12:35 pm - 1:35 pm

Lunch Sponsored By:

10:35 am - 10:55 am

IMBA

Harold Cowling, CMHC

9:00 am - 10:00 am

Lender/Supplier Trade Fair

Stephen Codsi, Neighbourhood DLC - Steve worked with Bill and Gary at Norlite Financial, and at Mortgage

Intelligence, and this is when I became part of this great team. Was a realtor for 10 years before the mortgage business as

a part owner of a Re/Max. Understand both ends of our business, real estate and mortgages. Still married to the same

woman almost 30 years, with three lovely daughters, one who is with us today. I have been blessed with an awesome family

and to be part of Bill and Gary's team.

Todd Payzant, Neighbourhood DLC - I have been in the mortgage business for the last 14 years. The first 12 years I was

a Mortgage Development Manager for Scotiabank. The last two years I have been working as an agent with Neighbourhood

DLC in Sudbury. I actively originate mortgages along with Nikki Tomljanovich, my licensed assistant, who is fully licensed,

experienced mortgage agent who works to ensure the highest possible level of service - both prior to and after the closing of

your mortgage.

Jason Nugent, Neighbourhood DLC - Jason Nugent started his career in the mortgage industry in May 2003. He has

been an active member of REIN for the past 3 years and specializes in investment portfolios which keep him quite busy.

In addition to his REIN clients, Jasons’ focus is on his local marketplace where he works closely with realtors, first-time

home buyers and repeat clients from his existing database. Jason ensures that his clients needs are being met throughout the

entire process, from the day the deal is approved until well after closing he keeps the lines of communication open.

Brian Mill, Neighbourhood DLC - In Sept 2010 I joined NDLC after 7.5 years as a mortgage specialist with a major

bank. In total I have over 17 years in the financial service industry, my first 7.5 years were in the investment and financial

planning industry as a CFP (Certified Financial Planner) and prior to that I earned a degree in Psychology and a degree in

Economics from the University of Western Ontario. I am married and have one son, Connor. My wife Heather has worked

with me since June 2011 after 5 years at Scotiabank as a personal banking officer.

Ruby Samra, DLC Home Capital Solutions - Ruby Samra has been a dynamic member of Dominion Lending Centre

for over 6 years. Finding her passion within the field of Business, Ruby obtained her Bachelors of Commerce degree from

McMaster University in Hamilton and then further continued her education by obtaining a degree in Economics with a

minor in Finance at Ryerson University in Toronto. Prior to joining DLC, Ruby gained 9 years of industry experience with

the Royal Bank of Canada. Ruby enjoys leading an active life and regularly volunteers with local charities such as the Heart

and Stroke Foundation, Juvenile Diabetes Research Association, and The Hamilton Women’s Shelter to name a few.

Dawn Desjardins joined the Royal Bank Economics team in January 2006 as a senior economist. She is

responsible for the macroeconomic and interest rate forecasts for Canada and the U.S.. Previously, Dawn

worked as a reporter for Bloomberg Financial News in Toronto covering the Canadian bond and currency

markets and was the Canadian bond market strategist for a major U.S. bank for ten years. She is a graduate

of the University of Toronto.

Thursday June 14, 2012

5:00 pm - 7:00 pm

Cocktails - Hospitality Suite

7:00 pm - 9:00 pm Dinner

Cocktails & Dinner Sponsored By:

1:35 pm - 4:30 pm

In this exciting session, Sales Expert & Best-Selling author Todd Duncan will teach you 7 Steps

to take your business to new heights. You will learn:

1. How to create a vision for your business

2. Specific goals to double & triple your fundings

3. A personal improvement process guaranteed to give you

growth & efficiency in your business

4. The power of accountability & mentoring

Over the past two decades Todd Duncan has built a respected enterprise while continuing

to observe and study the lives of achievers who thrive on and off the job. His ongoing

discoveries continue to be synthesized into compelling resources for living in a meaningful,

enriching, and profitable way. His bestselling books and popular seminars have influenced

millions to pursue a generous and abundant life, and have landed on prestigious bestseller

lists including the New York Times, Los Angeles Times, Wall Street Journal, Barnes &

Noble, Amazon.com, CEOread.com, and Business Week.

Todd began his loan origination career at the age of twenty-three and he quickly learned what it takes to

succeed amidst the rising pressures and incessant temptations of the marketplace. While Todd was listed

in the top one-percent of the industry by the time he was twenty-seven, his world was dangerously out

of balance. Eventually, his personal empire of expensive toys and fast living was toppled by a two year

cocaine addiction. On his way down, Todd faced up to his shortcomings and thus embarked on a road to

recovery and redemption.

Through the support of friends and mentors like Zig Ziglar, Og Mandino, and Ken Blanchard, Todd

not only recovered but quickly re-ascended to the top. In 1992, Todd founded The Duncan Group to meet

the growing demand for innovative training and leadership in the mortgage banking industry where he

began his career. Like Peter Drucker, Dale Carnegie, and Bill Gates, Todd became an innovator who

transformed his industry and improved the lives of millions. As a father of relationship-based selling for

mortgage professionals, Todd has single handedly developed more successful mortgage professionals and

enhances the quality of service they provide in the mortgage industry today.

Today, world-wide audiences praise Todd’s authentic, balanced approach to success because he speaks

from a platform of triumph. Todd’s passion is to unlock the potential in every individual crossing his

path, and his personal story has given hope to many. In designing world-renowned content and universal

success strategies, Todd’s ultimate goal is to help people lead healthy lives of fulfillment and satisfaction.

Todd and his wife, Debra, and his two sons, Jonathan and Matthew live in Newport Beach, California.

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Notes

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Friday June 15, 2012

8:00 am - 9:00 am

Lender/Supplier Trade Fair

7:00 am - 9:00 am Breakfast

Sponsored By:

9:00 am - 9:20 am

CAAMP

Mark Webb

9:20 am - 10:20am

Psychology of Referrals

Dean Jackson

10:20 am - 11:00 am

Legal Update: The latest on bidding wars, landlord & tenant and other offer issues.

Mark Weisleder

Mark is a real estate lawyer, author and speaker. Mark has been practicing law for 28 years, with offices in Toronto

and Brampton, and represents buyers, sellers and investors across the GTA. Mark is a frequent guest real estate expert on

Canada Am, Breakfast TV and Global TV and writes a weekly real estate column for the Toronto Star.

11:00 am - 11:50 am

How to double your income in less than 12 months...really!

Marvin Alexander, Broker of Record, President

Initially starting with Coldwell Banker, where he was the top sales agent within his first two months in the business, he

soon joined Re/Max where he quickly became one of the Top 10 agents within the office, and was the Top Individual sales

agent after his second year with the company. In 1997, Alexander joined Royal LePage, the 2nd largest real estate company

in Canada. As a highly regarded agent at Royal LePage for 11 years, Marvin was instrumental in the significant agent

growth of the office due to his willingness to share his knowledge and valued experiences. To add to his many credits, Marvin acquired his

Real Estate Broker designation and his Mortgage Broker license in 2008.

While researching and subsequently launching a Keller Williams Market Center in Newmarket, Ontario, Canada, Alexander, as Operating

Principal, was still able to maintain an extremely high level of production by both Keller Williams and industry standards. Marvin was ranked

as the #1 Individual for Keller Williams Canada in 2010 and 2011 for Units sold and in 2010 he was the #1 Individual for Keller Williams

Canada for GCI. Alexander has placed in the monthly Top 15 for GCI written and closed for Keller Williams International on numerous

occasions since he joined the company, and has ranked as high as the 2nd highest producing KW agent in GCI for all of North America.

Alexander has ranked among the Top 50 realtors out of over 30,000 realtors on the Toronto Real Estate Board, and continues to set sales and

achievement records year after year.

In addition to a thriving resale business, Alexander has an in-depth knowledge of commercial real estate, and has transacted over $200 million

in commercial, industrial and land development sales to date.

Although Marvin has accomplished a lot over his career, his journey is still not complete. Alexander, 48, has an affinity and passion for

sharing, and is now focusing his efforts in the teaching arena as a means of giving back to his profession. Marvin has recently been recognized

as a highly-esteemed, Keller Williams International Faculty trainer, and has commenced training and speaking engagements throughout North

America. Alexander has sat on numerous high-level real estate panels, has been featured on numerous radio, news, magazine and television

productions, and has spoken in front of thousands of realtors on numerous occasions.

Assisting others to see the best in themselves and aspire to be the best that they can be in all aspects of their lives is what Marvin believes to be

the sign of a true leader and part of what will inevitably assist him in achieving his own ultimate goals.

Dean Jackson is a marketing expert who specializes creating turnkey marketing solutions for real estate agents

and mortgage planners. He helps create what he calls "Bankable Results" by focusing on the most important elements of

marketing: Getting Leads, Getting Appointments, Getting Contracts and Getting Referrals. He'll be talking about

The Secret Psychology of Why People Refer Mortgage Planners and How to Be The ONLY one They Refer.

Friday June 15, 2012

12:20 pm - 1:20 pm

Lunch & Lender/Supplier Trade Fair

Lunch Sponsored By:

1:20 pm - 2:20 pm

Fraud Prevention Laurie Campbell, Executive Director of Credit Canada Debt Solutions

Claire Drage, CEO and Owner of The Lion’s Share Group, founded the company in 2010 in order to share

her methodology with others in her industry, with the main goal of assisting mortgage agents in capturing the “Lion’s

Share” of the mortgage market in Canada. Born in England, Claire's entrepreneurial spirit and a sense for adventure led her to move to

Tenerife, Canary Islands for twelve years before coming to Canada in 1998. It is in Calgary that she became a successful Mortgage Agent.

Claire subsequently moved over to the lending side of the business holding Business Development positions at two National mortgage lenders

before a promotion moved her and her family to Toronto in 2006. As the Director of Broker Origination, her key responsibilities included

managing a growing sales team across the country. Her energy, enthusiasm and a strong ability to add value helped drive corporate goals and

meet their objectives. After moving back to the broker side of the business as Regional Vice President, Eastern Ontario and Atlantic Region for

a National Brokerage, Claire’s entrepreneurial spirit once again took over as she decided to step back into her broker shoes as a Mortgage

Agent in Oakville, Ontario.

Claire has many years of experience in our industry from both perspectives – as an Agent and a lender. Claire is a very successful Mortgage

Agent in Ontario, having increased her originations by more than 100% per year since she put her agent hat back on 4 years ago and is ranked

in the top 1% nationally with her brokerage, for both number of mortgages and total volume as an individual. Claire has used this experience

to grow a successful team of agents herself, and create unique programs for mortgage professionals that are both proven and easily duplicated.

2:20 pm - 3:20 pm

The Top 10 Success Tips on Working Smarter Not Harder as a Mortgage Agent

Claire Drage, CEO Mortgage Agent - DLC Home Capital Solutions Inc. Maximize your potential in a challenging market place. Claire will share her top 10 Tips for Success on how

to be competitive, truly add value, differentiate yourself and reduce the number of hours you work.

Work Smarter not Harder and capture the Lion's Share of the mortgage market - you deserve it!

11:50 am - 12:20 pm

BDO Canada

Doug Jones, Senior Vice President

Doug Jones is the Senior Vice-President in charge of the Financial Recovery Services Practice for BDO’s Lakeland Region,

situated principally in Barrie. Doug has 23 years of Insolvency and Restructuring experience including significant

experience with a major firm in restructuring, valuations and winding up. Doug now has developed a significant

consumer and small business practice after moving to his current location. Doug’s experience includes the corporate

restructuring of a publicly traded company, liquidation of The Dominion Trust Company and Insolvency proceedings

for numerous small and medium sized businesses. His current practice responsibilities cover an area from Newmarket to

North Bay and from Alliston to Peterborough.

Since joining Credit Canada in 1990, Ms. Campbell has assumed progressively more important roles within the organization, becoming

part of its senior leadership team as Program Manager in 1993. Her responsibilities have notably included management in the agency's

education department, which presents seminars on money management and credit-related issues to over 10,000 people annually.

Ms. Campbell is Past President of the Credit Association of Greater Toronto, and is recognized as a primary source of accurate

information on credit counseling for the media, and is widely recognized as an expert in her field responding daily to media requests.

She has been interviewed for several prominent books on finance and has reviewed financial literature for organizations such as Master-

Card Canada, Visa Canada, the Investment Funds Institute and the Investor Education Fund, and was on the Advisory Committee for the

television show Maxed Out. Ms. Campbell was instrumental in spearheading Credit Education Week Canada, which now in its third year

promotes financial literacy through a variety of mediums throughout Canada. Ms. Campbell served on the Board of the Ontario

Association of Credit Counseling Services and the Canadian Association of Credit Counseling Services, a not-for-profit charitable

community service that helps consumers by providing credit education, counseling on budgeting, and planned debt liquidation programs.

Ms. Campbell was a member of the Financial Literacy Task Force commissioned by Minister Flaherty. Ms. Campbell is a graduate of the

University of Ottawa.

Friday June 15, 2012

Marc Moeys, Business Development Officer - Pillar Financial

Marc Moeys, Business Development Manager for PILLAR Financial Services, joined the team over seven years ago.

Prior to joining PILLAR, Marc has seven years experience as a mortgage broker in Kingston which allows him to

assist brokers with unique or unusual deals. Marc prides himself in building and maintaining relationships with mortgage

brokers and is always on the lookout to discover new opportunities for PILLAR Financial.

Harold Cowling, Regional Account Manager, Broker Relations - CMHC

Harold Cowling has spent more than 30 years working in the financial services sector. Harold is currently the

leader of the business development team at CMHC that services the mortgage brokerage sector nationally and

many of the broker channel lenders in Ontario. Harold’s industry knowledge and perspective working in the mortgage

insurance field as well as his years of experience managing both broker and lender accounts has provided him the

opportunity to contribute to the continuing success of IMBA. Harold is married, has four children and is a proud grandfather.

Sebastien Kuperhause, National Sales Manager - National Bank

Sebastien Kuperhause is the National Sales Manager for National Bank Broker Services. Sebastien joined National Bank Financial Group in

November 2007. His mortgage career started with CIBC in 2002 where he spent 4 years as a mortgage specialist before moving on to RBC in

the same role and then onto ING as Sales Manager. Sebastien's mortgage knowledge and sales background has assisted the BDM Team in

growing National Bank's broker volumes by 400% since joining the bank. NBFG and Sebastien are committed to the Broker Channel and the

BDM Team to provide everyone with the support required to growing the Broker Channel even further in the coming years.

Katherine Gregory, President & CEO - Paradigm Quest Inc.

Prior to founding Paradigm Quest, Kathy was a senior executive at Canadian bank, responsible for managing $100billion+

mortgage portfolio. In 2004, Kathy then founded Paradigm Quest Inc., a mortgage process and servicing company to

be a strategic partner for Canadian financial institutions. Paradigm’s growth year after year has resulted in it becoming

one of the fastest growing mortgage organizations in Canadian history. Kathy’s focus on prudent expense management,

innovation and aggressive growth led the organization to a breakeven point after only its first year of operations. Today

Paradigm Quest manages over $19 billion dollars of the highest quality mortgage assets under administration.

Kathy leads by example, resulting in a company whose employees strive to not only meet, but to exceed her expectations. Kathy views the

corporate culture as one of her key accountabilities and has built an organization focused on the overall team environment, driving a collective

commitment to excel. Kathy’s leadership and initiatives are recognized by industry professionals across Canada. Kathy was ranked #1 “Ones

to Watch” by Profit Magazine for their 2009 Canada’s Top 100 Women Entrepreneurs. In the June 2012 issue of Profit Magazine they ranked

Paradigm Quest #96 on the Profit 200 fastest growing companies.

Kathy was awarded the WXN Top 100 Most Powerful Women in Canada award in 2010, the 2011 Canadian Mortgage Awards “Best

Community Service Effort of the Year award”, and most recently, on June 1, 2012, Paradigm Quest was awarded the “Employer of Choice”.

In 2008 Kathy spearheaded and founded the first women’s only mortgage industry golf tournament, the Ontario Mortgage Industry Ladies

Charity Golf Tournament. Over the past three years Kathy has helped raise over $100 thousand dollars for the Canadian Women’s Founda-

tion. Kathy is a single mother of three, and in her spare time she enjoys the game of golf.

3:20 pm - 4:20 pm

Lender Panel

Bryan Devries, Vice President - ICICI Bank

Bryan has been in the Mortgage industry for over 20 years. Holding positions as both a Lender, and as an employee within a brokerage, he has

gained valuable insights about industry. In his current role at ICICI Bank, he is Vice President – Mortgages with responsibility for growing

and managing the residential mortgage business.

4:20 pm - 5:00 pm

Leasing & Commercial Mortgages

Bob Crowther, Leasing Agent - Neighbourhood Dominion Lending Centre

Bob comes with over 28 years experience in commercial equipment and vehicle lease financing, structured financing and

aviation leasing/lending. Bob's career has involved management positions in some of the industry's largest companies,

such as Royal Bank, TD Asset Finance and Canadian Capital Leasing in addition to running his own businesses.

Bob's particular area of expertise is arranging Lease Financing for equipment. Well known in the industry by equipment manufacturers, dealers

and end users, Bob's experience has led to over $1.0 Billion in successfully arranged transactions. In addition to new transactions, Bob has

provided consultancy services to many companies in arranging refinancing and/or restructuring of existing debt instruments.

Bob brings a broad background of commercial leasing/lending experience to Neighbourhood Dominion Lending Centre, Leasing Division.

Bob is married with 2 grown children and enjoys a wide variety of sports and leisure activities.

Dale Bilton, AMP President - DLC Commercial & Residential Mortgages Ltd

Dale has 20 years as a Commercial Banker & specializing as a Commercial Mortgage Agent for past 15 years.

He was named CMP Commercial Broker of the year for 08 & 09 for Canada. He has recently joined DLC as their

Commercial Broker for Ontario. Dale has a team of 5 Commercial Agents who specialize in Commercial Brokering

and are eager & ready to co-broker any commercial requests.

Friday June 15, 2012

5:00 pm - 7:00 pm

Cocktails - Hospitality Suite

7:00 pm Dinner

Cocktails & Dinner Sponsored By:

The will to win, the desire to succeed, the urge to reach your full potential . . . these are the keys that will unlock the door

to personal excellence.~ Confucius ~

Reminder: Attendance to all sessions will result in

6 AMP Credits + 4 Compulsory with CAAMP & 5 CEU/PDU Credits with IMBA

To add your credits to your continuing education profile, please visit www.caamp.org and click on

members portal. Log in using your username & password. Once you have logged in, click on your profile

and add your credits by using the drop down box and selecting NDLC Annual Sales Conference.

To add your CEU/PDU Credits to your IMBA profile please contact IMBA directly to request a form.

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On Behalf of

Neighbourhood DLC and DLC Home Capital Solutions

Thank you to everyone for their attendance and participation in our

7th Annual Sales Conference.

It is events like these that add value to our personal lives and our business.

We are looking forward to another successful year ahead as our team continues to

grow and our businesses become enriched with everything we want.

A Heartfelt Thank You To Our Sponsors & Lending Partners...

Without Their Generosity and Support, Events Like This

Would Not Be Possible...Thank You!

Thursday Morning Break Sponsored By:

Thursday Lunch Sponsored By:

Thursday Afternoon Break Sponsored By:

Friday Breakfast Sponsored By:

Friday Morning Break Sponsored By:

Friday Lunch Sponsored By:

Friday Afternoon Break Sponsored By: