Ginger Bell Countdown to the TILA–RESPA Integrated Disclosure Rule A Readiness Roadmap for Executives Tuesday, March 31, 2015   Presented by Ginger Bell Education Specialist Strategic Compliance Partners Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Welcome and Introduction Ginger Bell Education Specialist Strategic Compliance Partners Sue Woodard CEO and President Vantage Production Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Housekeeping To dial in To ask questions If you can’t hear us, please call the number on your invitation email or dashboard. We’re using a phone line, not mic & speakers. To dial in To ask questions Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Today’s Agenda What executives should be monitoring The role of your compliance officer Elements of a thorough implementation plan Loan products, sales channels, departments and teams Implementation milestones Business process review and gap analysis Technology audit—systems, software and hardware Third-party service providers Employee training Referral partner communications Employee and partner communications Readiness Assessment Calendar Post-implementation Monitoring Leveraging the TRID to grow relationships Q & A Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Introduction Ginger Bell is a the best-selling author of “Cracking the Success Code”, co-authored with Brian Tracy. She has designed, developed and lead the creation of several national training programs in the mortgage banking industry. A previous Dale Carnegie Training Consultant, Ginger also oversees compliance training for Strategic Compliance Partners who works closely with Vantage Production to deliver comprehensive compliance training. Ginger Bell Education Specialist Strategic Compliance Partners Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Webinar Giveaways 6 TRID Tips for Realtors Handout As always, Webinar replay and PPT, plus: 6 TRID Tips for Realtors Handout TRID Compliance Milestones Chart Implementation Toolkit Detailed Implementation Worksheet Will be posted on www.vipexecutiveadvisor.com by the end of this week. All registrants will receive an email with details. Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

What Executives Should be Monitoring Technology and systems Operations and workflows Training and education Liability Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

The Role of Your Compliance Officer Project Manager What products, processes, and systems will be impacted in your institution? How did you handle your last regulatory change? What went well? What didn’t? What you learned from the past can help you build a more effective implementation plan Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Elements of a Solid Implementation Plan Loan products, sales channels, departments and teams Implementation milestones Business process review and gap analysis Technology audit—systems, software and hardware Third-party service providers Employee training Referral partner communications Employee and partner communications Let’s start with the good news. There are some really great, innovative companies that have dynamic, people-first cultures and deliver outstanding service. Top LOs want to be associated with that. All people want to be part of a positive (true) story that is bigger than themselves. The stories must address the people and their accomplishment and values. They must describe a customer-first, efficient process. They must describe a commitment to delivering products in demand in the marketplace. Finally, these stories must connect the company directly to a place..as a community member committed to making things better. Managers and leaders must continually tell the story so LOs know it well enough to make it their own and to share it. Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Readiness Assessment Calendar Now for the bad news. We talk to hundreds of LOs, dozens of lender managers and leaders each year and while many are working a plan for the emerging market reality…many are not. Delusions that the future will look like the past are quite prevalent. Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Post-implementation Monitoring Tracking system Monitor dates and timelines Meet to discuss issues Address, correct and resolve Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Leveraging the Rule to Grow Relationships Train and educate real estate partners Emails Phone calls Educational workshops One-on-one meetings Insert handout image Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Q & A More Questions? Strategic Compliance Partners is here to help. Contact Leslie Benjamin VP Business Development  Lbenjamin@strategiccompliancepartners.com 301.691.1300 www.strategiccompliancepartners.com Countdown to the TILA-RESPA Integrated Disclosure Rule © 2015 Vantage Production, LLC.

Thank you for attending Countdown to the TILA–RESPA Integrated Disclosure Rule March 31, 2015 Ginger Bell, Education Specialist Strategic Compliance Partners Want to learn more? Call (800) 963-1900 or visit vipexecutiveadvisor.com