It Pays - IMBA!

to
to
It Pays
Network
2013
TITLE SPONSOR
It Pays
Network
2013
2013
LENDERS’
DEN
CONFERENCE
GUIDE
1 | 2013 ANNUAL CONFERENCE PROGRAM
2013 CONFERENCE GUIDE

to
It Pays
Network
2013
CONFERENCE SCHEDULE
7:00 AM - 8:30 AM
Conference Registration and
Breakfast
Eastwood, Hudson Lobbies
8:30 AM - 8:40 AM
Plenary Session opened by
Conference Chair
Sinatra Hall
8:40 AM - 8:45 AM
Welcoming remarks by new
IMBA President
Sinatra Hall
8:45 AM - 8:55 AM
Presentation from Title Sponsor
Equitable Trust
Sinatra Hall
8:55 AM - 9:00 AM
National Bank to Introduce
Conference Speakers
Sinatra Hall
9:00 AM - 9:45 AM
Economic Commentary –
Ted Tsiakopoulos, CMHC
Sinatra Hall
9:45 AM - 10:15 AM
Regulatory Report –
Anatol Monid, FSCO
Sinatra Hall
10:15 AM - 10:30 AM
Refreshment Break
Sinatra, Eastwood, Hudson Lobbies
10:30 AM - 11:15 PM
The Lenders’ Den –
Private & Commercial Lending
Monroe Hall
11:15 AM - 12:00 PM
The Lenders’ Den –
Private & Commercial Lending
Monroe Hall
Delegates should feel free
to attend both sessions.
10:30 AM - 11:15 PM
The Lenders’ Den –
Residential ‘B’ Lending
Taylor Hall
11:15 - 12:00 PM
The Lenders’ Den –
Residential ‘B’ Lending
Taylor Hall
12:00 PM - 4:00 PM
Trade Show
Eastwood & Hudson Halls
12:00 PM - 2:00 PM
Lunch
Sinatra Hall
1:00 PM - 2:00 PM
Annual General Meeting
Monroe Hall
4:00 PM - 6:00 PM
Conference Reception
Sinatra, Eastwood, Hudson Lobbies
2 | 2013 ANNUAL CONFERENCE PROGRAM

to
It Pays
Network
2013
PLENARY SESSIONS
Economic Commentary
Ontario`s Mortgage & Housing Market -
How Hard Will This Landing Be
Ted Tsiakopoulos
Canada Mortgage and Housing
Corporation
Ted is CMHC`s Ontario regional
economist and is part of a team
of national economists responsible
for the provincial and Canadian
housing outlook. He provides
analytical guidance to a team of
analysts responsible for forecasting
and analysing local housing market
conditions across the province. Prior to
joining CMHC`s Market Analysis Group
in 1999, Ted worked in the banking and
investment management industry. Ted
is an active member of the Canadian
Association of Business Economists and
also served as a private consultant
to Junior Achievement of Canada
- whose mandate was to educate
young Canadians about the Canadian
economic landscape. Ted obtained
a masters degree in economics from
York University and also studied at the
London School of Economics in the UK.
Regulatory Update
Anatol Monid
Financial Services
Commission of Ontario
Anatol is the Director Market
Regulation in the Licensing & Market
Conduct Division (LMCD) of the
Financial Services Commission of
Ontario (FSCO) since May 2005.
He was also appointed Insurance
Ombudsman at that time. In this
role, Anatol has oversight of market
conduct analysis and statutory market
conduct examinations of financial
institutions and intermediaries to ensure
compliance with relevant legislation.
He recommends regulatory action to
the Ontario Superintendent of Financial
Services. Prior to joining FSCO, Anatol
was with the supervision group of
the Office of the Superintendent of
Financial Institutions (OSFI).
Anatol is a York University graduate.
He has obtained the Canadian Risk
Management designation, and has
credentials from both insurance
sectors. He was also the first regulator
in Canada to hold the Insurance
Regulatory Examiners Society’s MCM SM
designation.
3 | 2013 ANNUAL CONFERENCE PROGRAM

to
It Pays
Network
2013
BUSINESS SESSIONS
Lenders Den
Residential “B” Lenders Panel:
This panel of experts will apply their unique perspective on residential mortgage transactions that have been submitted to
the lenders who will review the presentations and either bid for the business or reject them.
Ron Cuadra
Home Trust Company
Ron is Vice President, National Sales for
Home Trust Company. Ron has 18+ years
of Mortgage Industry experience in mortgage
lending, specifically in the alternative
market. Before joining Home Trust in
2006, he spent over 6 years with CIBC/
HLC where he played a key role in the
launch of HLC (Home Loans Canada)
as National Promotions and Marketing
Manager for 3 years, and later became
a top producing Mortgage Broker specializing
in alternative mortgages.
Brian Leland
Equitable Trust Company
Brian is the Vice-President, Residential
Credit for Equitable Trust Company,
a position that he has held since 2011
when he joined the management
team. Prior to joining Equitable, Mr.
Leland held credit and sales roles in financial
services and mortgage lending
with other lenders.
Jason Vyner
New Haven Mortgage Corporation
Jason is the owner of New Haven
Mortgage Corporation, which services
the non-institutional mortgage
marketplace in Ontario. Jason
specializes in construction financing as
well as second mortgage loans.
4 | 2013 ANNUAL CONFERENCE PROGRAM
Nick Kyprianou
Equity Financial Trust Company
Nick joined Equity Financial Trust Company
in 2010 as the Chief Executive
Officer. Mr. Kyprianou is responsible
for managing the company’s mortgage
and deposit operation, which is
completely paperless. Prior to joining
Equity Financial Trust, Nick was President
of Home Trust Company and a
past member of the board of directors
of Regency Finance Corporation,
Payment Services Interactive Gateway
Corp. and Home Trust Company.
Rajan Kaushal
Tribecca Finance Corporation
Rajan is the President of Tribecca
Finance Corporation and has been
in the mortgage lending business
since he was in his early twenties. The
company specializes in construction
financing and second mortgages.
Rick Glauser
Optimum Mortgage
Rick is the Regional Sales Manager for
Eastern Canada with Optimum. Rick
has been with Optimum Mortgage
since 2008 and has had an extensive
career in the Financial Services industry
for 36 years, beginning with HFC
in 1977 followed by other prominent
institutions such as Municipal Trust,
Beneficial, IMC, and Wells Fargo. Rick
also worked as a mortgage broker in
1993 in the Barrie market.
Moderator – Allan Kates,
Northwood Mortgage Limited
Allan is a licensed mortgage broker
and is the Vice President of Sales for
Northwood Mortgage Ltd. He helps
run a sales force of over 175 Mortgage
Professionals. Allan brings a wealth of
knowledge in the financial planning,
insurance and mortgage brokering/
lending industries. Allan began
his mortgage career in 1999 with
Northwood Mortgage as a member
of the company’s sales force. In his
previous roles, Allan was responsible
for dramatic sales improvements in
the financial services companies that
he was a part of. He is currently a
member of IMBA’s Board of Directors.

to
It Pays
Network
2013
BUSINESS SESSIONS
Lenders Den
Private and Commercial Lenders Panel:
This panel of experts will apply their unique perspective to loans that include the entire gamut of lending – residential
refinance, second mortgages, commercial and construction.
David Mandel
First Source Mortgage Corporation
David is an Officer and co-founder of
First Source and is actively involved
in strategic decisions including investment
decisions. He is also the President
of First Equity Financial Group Inc. and
has over 23 years of real estate, mortgage
and business experience. David
is also Past President of IMBA
Jonah Bonn
Owemanco Private Mortgage
Financing
Jonah is the Chief Operating Officer
and Principal Broker at Owemanco. Mr.
Bonn is responsible for overseeing the
administration of the mortgage portfolio
and managing day-to-day operations
of the business, including Owemanco
Mortgage Trust. In addition, Jonah
assists in originating and underwriting
mortgage investments. He is a current
Director and Treasurer of IMBA.
Paul Rayment
Foremost Financial Corporation
Paul is Vice President of Foremost. Mr.
Rayment joined the firm in 1989 and
has extensive experience in real estate
development and project financing.
Paul specializes in evaluating project
financing needs and alternative
financing options. Paul’s primary
function is mortgage origination and
approvals.
Blake Cassidy
Romspen Investment Corporation
Blake is a Managing Partner of
Romspen Investment Corporation and
is responsible for business development
including originating new loans and
fostering relationships within the
brokerage and lending community.
Prior to joining Romspen in 1995,
Blake gained experience in the real
estate industry at New Era Mortgage
Corporation and Sandray Property
Management.
Michael Carragher
Firm Capital Corporation
Michael is Vice President of
Mortgage Investments at Firm Capital
Corporation. Michael has over 20
years of lending experience in the
real estate industry including 9 years
with Firm Capital. He is responsible
for the origination and structuring of
mortgage investments including land
development financing, construction
financing for residential and
commercial projects, first and second
mortgages on commercial properties
and mezzanine/equity capital.
Moderator – Lou Perrotta,
Domus Financial Corporation
Lou is a mortgage broker and
the founder of Domus Financial
Corporation. He has been assisting
clients in financing real estate since
1977 when he started working as a
personal finance associate with a
consumer credit company. Lou’s
career advanced in the 1970s and
early 1980s in various positions,
which progressively carried more
responsibility, with a mortgage
company and real estate developer.
Lou is a former president of IMBA, and
is currently on the Board of Directors
serving as Secretary of the Association.
5 | 2013 ANNUAL CONFERENCE PROGRAM

to
It Pays
Network
2013
CONFERENCE
SPONSORS
Conference Title Sponsor
Conference Delegate’s Gift
Conference Program
Conference Speakers
Trade Show Lunch
Conference Breakfast
Conference & Gala Master
of Ceremonies
Trade Show Reception
6 | 2013 ANNUAL CONFERENCE PROGRAM

to
It Pays
Network
2013
GALA EVENING
SPONSORS
Gala Title Sponsor
Gala Photographer
Gala Entertainment
Gala Decor
Pre-Dinner Reception
Wine, Beverage and
Late-night Woodfire
Pizza Sponsor
Limousine Cigar lady 1 Cigar lady 2
TM
ORIANA
FINANCIAL
7 | 2013 ANNUAL CONFERENCE PROGRAM

to
It Pays
Network
2013
EXHIBITORS
Aon Canada
Applied Business Software Inc.
Argentum Mortgage and Finance Corporation
B2B Bank
Benesure Canada Inc.
Best Points Travel
Bradshaw and Mancherjee Barristers and Solicitors
Bridgewater Bank
Broker Originator Software Solution
Canada Guaranty Mortgage Insurance Company
Canada Mortgage and Housing Corporation
Canadiana Financial Corporation
Capital Direct Lending Corporation
Centro Mortgage Incorporated
CMLS Financial Ltd.
CNAREA
CYR Funding Incorporated
D+H
Dominion Lending Centres Incorporated
Economical Insurance
Effort Trust Company
Equitable Trust Company
Equity Financial Trust Company
Financial Services Commission of Ontario
Firm Capital Corporation
First National Financial Inc
First Ontario Credit Union
First Source Mortgage Corporation
Foremost Financial Corporation
Fortress Real Capital
Genworth Financial Canada
Ginkgo Mortgage Investment Corporation
Home Trust Company
HomEquity Bank
IC Savings
Independent Mortgage Brokers Association Inc.
LMS PROLINK Limited
Magenta Mortgage Corporation
Marathon Mortgage Corp.
Marlborough Stirling
MCAP
Merix Financial Inc.
Mortgage Architects
Mortgage Intelligence and Invis
Moskowitz Capital
National Bank of Canada
Nationwide Appraisal Services Inc.
New Haven Mortgage Corporation
Ontario Wealth Management Corporation
Optimum Mortgage
Pillar Financial Services Incorporated
Radius Financial
RMG Mortgages
Romspen Investment Corporation
Secure Capital MIC Incorporated
Shapiro Cho Real Estate and Business Lawyers
Street Capital Financial Corporation
TD Bank
Teranet
TitlePlus
Toronto Real Estate Appraisals
Tribecca Finance Corporation
Vanguard Law Group LLP
Verico Financial Group
VWR Capital Corporation
Xceed Mortgage Corporation
Your Commission Today
8 | 2013 ANNUAL CONFERENCE PROGRAM