10TH ANNUAL: JOIN US IN 2015 TO CELEBRATE, DEBATE AND LEARN

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1 OVER 70 ATTENDEES CONFIRMED! JOIN YOUR PEERS AT THIS INDUSTRY SPECIFIC EVENT NOW! THE FUTURE OF MORTGAGE LENDING Main Conference: February 2015 Venue: Swissotel, Sydney NSW ADVANCING YOUR CUSTOMER CENTRIC CULTURE STREAMLINING AND AUTOMATING PROCESSES LEVERAGING DATA TO UNDERSTAND AND RESPOND TO CUSTOMER NEEDS HARNESSING DISRUPTIVE TECHNOLOGIES FOR QUALITY, EFFICIENCY AND PROFITABILITY 10TH ANNUAL: JOIN US IN 2015 TO CELEBRATE, DEBATE AND LEARN Leading Speaker Faculty: Lisa Claes Executive Director, Distribution, ING DIRECT Executive Manager, Mortgage Services, Suncorp Michael Allen General Manager, Strategic Programme Execution, Service Operations, Enterprise Services, Andrew Russell General Manager, Product and Distribution, Mortgage Choice Andrew Kiel Head of Lending Operations, CUA Dan O Neill General Manager, Group Lending Services, Commonwealth Bank of Australia Martyn Norman Head of Lending, bankmecu Erik Fenna Chief Information Officer, P&N Bank Michael Russell Chief Executive Officer, Mortgage Choice John Rolfe General Manager, Retail, HomeStart Finance Mario Rehayem Director of Sales and Distribution, Pepper Group former Chief Executive Officer, RESI, Consumer Finance Specialist, Spokesperson and Commentator Michael Workman Senior Economist, Kym Bowles Manager, Home Loans, Defence Bank YOU CAN T AFFORD TO MISS OUR OPERATIONAL INSIGHT CASE STUDIES! Commonwealth bankmecu Bank of Australia Defence Bank ING DIRECT ME Bank Suncorp Associate Sponsor: Panel Sponsor: Exhibitor: Lectern Sponsor: Media Partners: IMPROVE INNOVATE EXCEED

2 WHO WILL YOU MEET AT LOANS 2015: General Managers/Heads of: Dear Mortgage Professional, As part of our tenth year celebrations we are excited to assess how far we have come as an industry and discuss further opportunities for mortgage lending innovation. Uncertainty grows as disruptive technologies provide both challenges and opportunity, whilst non-financial businesses have the potential to challenge the market. In an increasingly competitive climate, the race is on to provide smarter home loan solutions for customers. The traditional methods of lending have given way to a new and evolving on-line and digitally supported form of consumer interaction. The ability to respond accordingly to changing customer behaviour and expectations will dictate who retains and wins further market share. We invite you to join us for real discussion on providing outstanding value and features for consumers. LISTEN to where your peers have invested and are now looking to transform next with our insight case studies delivered by CBA, ING DIRECT, Suncorp, ME Bank, bankmecu, and Defence Bank TAKE PART in the interactive debates on the role and appropriate level of technology usage for engagement GET INFORMED on the opportunities for innovation in current service and product provision TAKE AWAY strategies and solutions to overcome challenges in pursuit of operational excellence We are celebrating ten years as the most innovative and insightful platform for mortgage lenders to discuss the latest issues, developments and solutions. This event will enable you to connect with your peers, realise business value via digital transformation, identify new opportunities in product development, compete creatively through online and mobile opportunities and effectively service the digital dialogue to differentiate your organisation. WHAT S NEW IN 2015? The ORIGINATION IDEAS HUB is the ideal platform to discuss the future of loan origination software. Adjacent to the conference room we have set aside a space for you to maximise your learning and networking. Combining networking space and the opportunity for providers to showcase their latest and future offerings; connect with your peers in an informal meeting area, get informed via LOS solution showcases and be inspired by the futurist ideas projection space. Mortgages Lending Services Loan/Lending Operations Retail Business Process/Continuous Improvement Loans Processing Mortgage Product/Innovation Digital Credit/Approvals Distribution Sales/Third Party Risk A MESSAGE FROM OUR CHAIR: We are excited to bring you the next instalment of mortgage innovation. This celebratory, tenth annual event is an unrivalled platform to learn, engage and connect with peers in an increasingly competitive market. Real case studies and interactive sessions allow us to reflect on how far we have come in streamlining processes to reduce cost, enhance operations and deliver for our customers. Join us in February to assess how consumer behaviour and expectations are redefining lending and where those critical improvements can be made in your organisation. I look forward to seeing you there! Lisa former Chief Executive Officer, RESI, Consumer Finance Specialist, Spokesperson and Commentator EARLY BIRD DISCOUNT AVAILABLE REGISTER BY 30 JANUARY TO SAVE $300 With our perfect blend of interactive sessions and in-depth case studies, the answers, inspiration and strategies you need are all on show at Loan Origination Excellence Kind regards, Kate Tappin Event Director Loan Origination Excellence 2015 Finance IQ

3 DAY ONE Wednesday, 25th February :00 Opening Remarks from the Conference Chair former Chief Executive Officer, RESI 09:10 MARKET UPDATE: Evaluating The Economic Outlook And Its Impact On The Australian Mortgage Industry This session will analyse current market conditions to evaluate the nature of home loan uptake. Exploring global market conditions and the nature of recent demand, conclusions will be drawn to predict the expectations for lending in Australia. Michael Workman Senior Economist, 09:30 MORTECH DISCUSSION: Aligning Technology And Innovation - Balancing Technology Benefits Versus Cost Service delivery capability via technology is often heralded as the catalyst for superior customer service provision. This session puts the hype to the test, and considers both the distraction and advancement of technology in lending. How is mortgage lending being enhanced with technology and operational advancements in 2015? Failing in flexibility where does existing technology let the vision down? How is the emphasis changing for customerfocused innovation; with less consumer interaction is there less loyalty? What is innovation and how far will it push current home loan lending services? Executive Manager, Mortgage Services, Suncorp Amanda Baker Program Director, Electronic Settlements, SAI Global Property 10:10 Industry Discussion Session Hosted by Edgeverve 10:50 Morning Tea, Networking and Information 11:20 INDUSTRY INSIGHT PRESENTATION: Challenging Traditional Lending This session addresses disrupters and disruption and asks the essential question: How are they transforming mortgage lending? John Rolfe General Manager, Retail, HomeStart Finance 12:00 KEYNOTE INSIGHT CASE STUDY: Digital Isn t the Only Disruption Achieving No.1 customer satisfaction through people, process and then technology Developing colleagues capability for the digital future Supporting 100 per cent Australian operations for lending processing as a key differentiator Decreasing backlog, halving turnaround time and absorbing growth with engaged teams Dan O Neill General Manager, Group Lending Services, 12:40 OPEN MIC CONVERSATION: What s the Biggest Challenge Facing Lenders Right Now? An opportunity to ask probing questions, offer insight, and challenge the status quo and current thinking. Facilitated by the Chair 12:45 Lunch, Networking and Information Exchange in the ORIGINATION IDEAS HUB 13:45 CONSUMER EXPECTATIONS DISCUSSION: The Digital Dialogue What Does Digital Mean for Mortgage Lending Now and in the Future? This session will tackle the role mortgage lenders and brokers will need to play in the evolving digital landscape. With the generations to follow more tech-savvy than ever before is the true future of lending online? Without question the critical enabler is digital, but what does that really mean today and tomorrow? Do we know our consumer needs well enough? How are we currently servicing the digital dialogue? Recognising the factors that directly affect home loan uptake and how they are developing How to keep pace with the rate of innovation and change Lisa Claes Executive Director, Distribution, ING DIRECT Andrew Russell General Manager, Product and Distribution, Mortgage Choice 14:25 KEYNOTE INSIGHT CASE STUDY: Consumer Interaction and Engagement Keeping pace with the digital demands/ expectations of the customers The role of technology in delivering customer service excellence How can businesses stand out in an increasingly commoditised products and services Keeping ahead of the curve with innovation and digital experience Lisa Claes Executive Director, Distribution, ING DIRECT 15:05 Afternoon Tea, Networking and Information

4 DAY ONE Wednesday, 25th February :35 PRODUCT INNOVATION DISCUSSION: Inspiring the Product Portfolio What Does the Mortgage of the Future Look Like? The Australian home loans market is intensely competitive; this session asks where market share can be won through innovative product offerings. Where are the new opportunities in product development? How is the customer centric mindset impacting home loan offerings? Responsive or reactive? With product cycles decreasing can fast followers effectively compete with innovators? Is consumer data and analytics king? What role will disrupters play in the home loans market? Andrew Russell General Manager, Product and Distribution, Mortgage Choice Mario Rehayem Director of Sales and Distribution, Pepper Group 16:15 AUTOMATION FOCUS ROUNDTABLE DISCUSSIONS: A chance to explore the themes from the day and discuss the issues that matter. Facilitated by the Chair ROUNDTABLE A: Smaller Cycle Times, Lower Origination Costs, and Reduction in Errors ROUNDTABLE B: Risk and Compliance Enforcement ROUNDTABLE C: Analytics, Predictions and Big Data 17:00 Remarks from the Conference Chair and Close of Day One 17:15 TENTH ANNUAL Networking Drinks Loan Origination Excellence 2015 DAY TWO Thursday, 26th February :00 Opening Remarks from the Conference Chair former Chief Executive Officer, RESI 09:10 KEYNOTE INSIGHT CASE STUDY: Leading Change and Transformation at Suncorp Reporting From The Digital Transition Era Working smarter and greener with large-scale digital transformation Maximising efficiency, cost reduction, fraud detection, file quality and turnaround capability Spearheading change and embracing an alldigital workflow Delivering for customers and considering where next for innovation at Suncorp? Executive Manager, Mortgage Services, Suncorp 09:40 LENDING 2.0: Transforming Loan Origination from Customer to Conveyancing Customers are changing - Responding to heightened consumer expectations in lending Leveraging Digital and Data - Applying technology to simplify the customer experience, enable scalability and optimise portfolio risk outcomes Partnering for success - Harnessing the power of specialist providers in the value chain The People Piece - Preparing the organisation and people for a completely different way of originating Andrew Kiel Head of Lending Operations, CUA 10:20 OPEN MIC CONVERSATION: Reduced Time to Yes Are We There Yet? An opportunity to ask probing questions, offer insight, and challenge the status quo and current thinking. Facilitated by the Chair 10:30 Morning Tea, Networking and Information 11:00 CHANGE MANAGEMENT DISCUSSION: Overseeing Change to Drive Innovation and Growth Striving for efficiency in both back office and frontend distribution is a difficult task. For many, change is capital and cost intensive and many transformation efforts become disjointed. This session addresses change as a holistic view on remaining competitive and securing greater value for your customers. What does end-to-end processing mean for loan origination in 2015? Where to focus efforts for the greatest rewards in efficiency and improved customer service? How to ensure the human element works in tandem with the technology Improving experience with innovation and communication across each line of business Executive Manager, Mortgage Services, Suncorp Michael Allen General Manager, Strategic Programme Execution - Service Operations, Enterprise Services, Martyn Norman Head of Lending, bankmecu

5 DAY TWO Thursday, 26th February :30 THIRD-PARTY LENDING DISCUSSION: Streamlining and Improving the Broker-Lender InterPlay This session addresses how front-end distribution through the broker channel is being efficiently serviced and opportunities for value added. How to achieve seamless communication and interconnectivity between credit advisers and lenders? Addressing cost differentials in mortgage pricing, provisioning, capital and stress-testing calculations for future lending How to balance remuneration and risk? NCCP Act update and forecasting on what role future compliance will play? Erik Fenna Chief Information Officer, P&N Bank Michael Russell Chief Executive Officer, Mortgage Choice Mario Rehayem Director of Sales and Distribution, Pepper Group 12:00 Lunch, Networking and Information Exchange in the ORIGINATION IDEAS HUB 13:00 INSIGHT PRESENTATIONS: Enhancing Customer Service This session will combine the perspectives of three leading lenders who offer their thoughts on competing in an ever-contracting market. INSIGHT CASE STUDY: Driving Competition in Agility and Speed to Market at ME Bank 13:40 INSIGHT CASE STUDY: Realising Operational Efficiencies, Product and Service Innovation at bankmecu Delivering for customers via straight through processes from online home loan application to online loan contract acceptance Implementing and managing change Recognising consumer needs and adapting your operations accordingly Where next with online settlement? Martyn Norman Head of Lending, bankmecu 14:20 Afternoon Tea, Networking and Information 14:50 INSIGHT CASE STUDY: Delivering Exceptional Service through Innovative and Responsive Lending Capability Transforming operational capabilities at Defence Bank Challenges faced and pitfalls to avoid on route to operational improvement Sharing insights on the improved customer experience Forging ahead: the future of lending at Defence Bank Kym Bowles Manager, Home Loans, Defence Bank 16:00 INDUSTRY INSIGHT PRESENTATION: Learning from the Language of Lending How is Electronic Processing Progressing? This session addresses the gains being made in pursuit of electronic processing and asks the essential question: Where are there opportunities for further improvements? Erik Fenna Chief Information Officer, P&N Bank 16:00 Remarks from the Conference Chair and Close of Conference 16:00- WORKSHOP A: 18:00 Improving Customer Experience and Capability Facilitator:

6 WORKSHOP Thursday, 26th February 2015 WORKSHOP A: 16:00 18:00 Improving Customer Experience and Capability ME Bank is firmly focused on meeting the needs of a new generation of customers, having increased their speed to market through operational efficiencies, and their customer centricity through product and service innovation. Join Anthony in this highly interactive session to discuss the realities of successfully competing with the majors via customer centricity, digital capabilities and how to overcome potential obstacles and constraints. Key topics include: è How to drive a customer centric approach? è Designing, improving and implementing the processes used to deliver lending products and services è Success in speed of approval è Growing market share whilst undergoing transformation è Committing to refining approval processing, credit operations and your customer-centric focus è Think-tank: operational excellence in lending, what does it mean to you? Facilitator: ABOUT OUR SPONSORS EdgeVerve Systems Limited is a wholly owned subsidiary of Infosys Limited. We help global corporations sense, influence, fulfill and serve the needs of digital consumers and leverage the potential of their business ecosystems. We define, develop and operate innovative cloud hosted business platforms and software products. We offer these to our clients as Pay-as-you-use services. We focus on realizing business outcomes for our clients by driving their revenue growth, cost effectiveness and improved profitability. CreditFinanceEdge provides comprehensive credit servicing functionalities, while reducing the time-tomarket for onboarding new assets as they are acquired. This is an integrated credit servicing and asset management platform that manages multiple credit types and asset classes through the complete life cycle from on-boarding to resolution to closure. InfoTrack is a market leading information broker providing a fast and easy solution for your all Property, Corporate and Personal searching and affiliated services. With a focus on saving time and driving efficiency for every search you order, InfoTrack is foremost in providing seamless integration into third party systems. InfoTrack is also e-conveyancing ready, ensuring clients seamless online access into the PEXA platform upon its release in late For more information, visit au or call Brendan Smart The Cloud Lending suite of SaaS applications efficiently manage loan portfolios, increase transaction volume, and rapidly bring new products to market for non-bank financial institutions all over the world. Our lending solutions are based on Salesforce.com, enabling customers to significantly lower costs, generate greater revenue and outperform their competitors. Cloud Lending is located in Silicon Valley, California, and Bangalore, India and our customers range from innovators like Harmoney. com to industry leaders like Propel Financial Services. SAI Global Property is the leader in the settlement industry by providing complete end-to-end settlement solutions. We have achieved our leadership position by offering innovative, cost effective solutions and our integrated electronic platform of searching, conveyancing and settlement workflows are geared towards the electronic fulfilment of property transfers. SAI Global Property is well positioned to offer a smooth transition to an electronic future by supporting both physical and electronic settlements. Visit or call Nucleus Software, a leading global IT product and solutions company, has been delivering consistent value to the Banking and Financial Services sector, for the last 28 years. With 150+ customers across 50+ countries, we offer solutions across retail, corporate banking, cash management and internet banking. Our flagship products include FinnOne, the Global No. 1 Best Selling Lending Banking System for 6 consecutive years and FinnAxia, best of the breed Integrated Transaction Banking system. Visit or write to us at sales@ nucleussoftware.com

7 Register Early & Save! To speed registration, please provide the priority code located on the mailing label or in the box below. WHERE Swissotel Sydney 68 Market Street, Sydney P: WHEN? February 2015 TEAM DISCOUNTS IQPC recognises the value of learning in teams. Take advantage of one of these special rates: Register a team of 2 to the conference at the same time from the same company and receive a 5% discount Register a team of 3 to the conference at the same time from the same company and receive a 10% discount Register a team of 4 to the conference at the same time from the same company and receive a 15% discount or a free pass for a 5th delegate Ask about multi-event discounts. Call for more details Please note: Only one discount applies ACCOMMODATION The Swissotel Sydney is the official hotel for the Loan Origination Excellence 2015 event and they have negotiated event rates specifically for attendees of this event. To take advantage of these rates, or for a unique HotelMap that shows our discounted hotel deals at nearby hotels, go to and click on the Venue & Accommodation page. QUICK and EASY WAYS to REGISTER TELEPHONE FAX registration@iqpc.com.au WEBSITE MAIL IQPC, Level 6, 25 Bligh Street, SYDNEY NSW 2000 STANDARD PACKAGES Conference + 1 Workshop THE FUTURE OF MORTGAGE LENDING Main Conference: February 2015 Venue: Swissotel, Sydney NSW SAVE $300 EARLY BIRD *Register & pay before 30 th January 2015 SAVE AUD $300 $3,899 + GST = $4, STANDARD PRICE $4,099 + GST = $4, o REGISTER ME for 10th Annual Loan Origination Excellence 2015 PLUS: Workshops: oa DELEGATE 1 [FIRST NAME] [SURNAME] DELEGATE 2 [FIRST NAME] [SURNAME] DELEGATE 3 [FIRST NAME] [SURNAME] (PHOTOCOPY THIS FORM FOR ADDITIONAL DELEGATES) Conference Only SAVE AUD $300 $3,299 + GST = $3, $3,599 + GST = $3, * Payment not made at the time of registration will be subject to a $99 service charge. * All 'Early Bird' discounts require payment at time of registration and before the cut-off date in order to receive any discount. * Discounts do not apply to vendors/solution providers. IQPC reserves the right to determine who is a vendor. * Any discounts offered (including early bird and team discounts) are subject to availability and require payment at the time of registration. * All discount offers cannot be combined with any other offer. Please send me set(s) of AUDIO COMPACT DISCS and PRESENTATIONS CD at $ ($799 plus GST) or $ ($549 plus GST) Presentations CD only Please keep me informed via about this and other related events 2 WAYS TO SAVE! Book early for HUGE EARLY BIRD savings. Book as a TEAM, save & benefit as a team. ORGANISATION ADDRESS POSTCODE TELEPHONE ( ) FAX ( ) APPROVING MANAGER [FIRST NAME] [SURNAME] NOTE: PAYMENT IS DUE WITHIN 7 DAYS FROM REGISTRATION TO SECURE YOUR PLACE. Registrations received without payment or a Government PO will incur a processing fee of $99+GST = $ per registration. Payment prior to the conference is mandatory for attendance. Payment includes lunches, refreshments, a copy of conference presentations via FTP website or workbook and all meeting materials. If payment has not been received two weeks before the conference, a credit card hold will be taken and processed. This card will be refunded once alternate payment has been received. PRIVACY - YOUR CHOICE Any information provided by you in registering for this conference is being collected by IQPC and will be held in the strictest confi dence. It will be added to our database and will be used primarily to provide you with further information about IQPC events and services. By supplying your address and mobile telephone number you are agreeing to IQPC contacting you by these means to provide you further information about IQPC products and services. From time to time IQPC may share information from our database with other professional organisations (including our event sponsors) to promote similar products and services. Please tick the box below if you do NOT want us to pass on your details. To amend your current details, advise of duplicates or to opt out of further mailings, please contact our Database Integrity Maintenance Department, Level 6, 25 Bligh Street, SYDNEY NSW Alternatively, database@iqpc.com.au, call or fax I do not wish to have my details made available to other organisations IQPC CANCELLATION AND POSTPONEMENT POLICY: FOR DETAILS OF IQPC S CANCELLATION AND POSTPONEMENT POLICY PLEASE VISIT: IQPC ABN All RIGHTS RESERVED. The format, design, content and arrangement of this brochure constitute a copyright of IQPC. Unauthorised reproduction will be actionable by law. o CHEQUE ENCLOSED FOR $ (Please make cheques payable to: IQPC) PLEASE CHARGE o American Express o Visa o MasterCard o Diners Club CREDIT CARD NUMBER AMEX 4 DIGIT CODE EXPIRY DATE NAME OF CARD HOLDER [PLEASE PRINT]