Calendar of events.

DECEMBER 2004
Dec. 1-3          Novogradac & Co. Affordable Housing Conference, Las
                    Vegas [www.novoco.com/events]
Dec. 4-7          National Association of Insurance Commissioners (NAIC)
                    Winter National Meeting, New Orleans [www.naic.org]
Dec. 6-7          Thomson Media Inc. 6th Annual Mortgage EC Conference,
                    Las Vegas [www.tmconferences.com]
Dec. 7-10         National American Indian Housing Council (NAIHC) Legal
                    Symposium 2004, Las Vegas [www.naihc.net]
Dec. 9-11         Housing Assistance Council (HAC) National Rural
                    Housing Conference 2004, Washington, D.C.
                    [www.ruralhome.org]

JANUARY 2005
Jan. 9-11         Commercial Mortgage Securities Association (CMSA)
                    Investors Conference, Miami Beach, Florida
                    [www.cmbs.org]
Jan. 9-14         MBA School of Mortgage Banking Course I, Las Vegas
Jan. 13-16        National Association of Home Builders (NAHB)
                    International Builders' Show (IBS), Orlando, Florida
                    [www.nahb.org]
Jan. 18-20        Mortgage Bankers Association of Florida Southeast
                    Secondary Market Conference, Tampa, Florida
                    [www.mbaf.org]
Jan. 18-20        National Association of Industrial and Office
                    Properties (NAIOP) Real Estate Capital Markets
                    Conference, New York [www.naiop.org]
Jan. 19           National Multi Housing Council (NMHC) Apartment
                    Markets Conference, Palm Springs, California
                    [www.nmhc.org/calendar]
Jan. 19-21        National Multi Housing Council (NMHC) 2005 Annual
                    Meeting, Palm Springs, California
                    [www.nmhc.org/calendar]
Jan. 23-25        Council for Affordable and Rural Housing (CARH) 2005
                    Midyear Meeting & 25th Anniversary Celebration, New
                    Orleans [www.carh.org/meetsched.asp]
Jan. 23-26        American Securitization Forum (ASF) 2005 Conference,
                    Scottsdale, Arizona [www.americansecuritization.com]
Jan. 30-Feb. 1    Manufactured Housing Institute (MHI) Annual Winter
                    Meeting, Memphis, Tennessee
                    [www.manufacturedhousing.org/events]
Jan. 30-Feb. 1    Thomson Media Inc. 8th Annual Mortgage Technology
                    Conference, Miami [www.tmconferences.com]
Jan. 30-Feb. 4    MBA School of Mortgage Banking Course II, Tampa,
                    Florida

FEBRUARY 2005
Feb. 2-3          Mortgage Bankers and Brokers Association of New
                    Hampshire Joint Mortgage Conference, Portsmouth, New
                    Hampshire [www.mbba-nh.org/news/calendar.htm]
Feb. 6-9          MBA CREF/Multifamily Housing Convention & Expo, San
                    Diego
Feb. 15-17        National American Indian Housing Coucil (NAIHC) 11th
                    Annual Legislative Conference, Washington, D.C.
                    [www.naihc.net]
Feb. 20           MBA Servicing Management Workshop, Orlando, Florida
Feb. 20-23        MBA National Mortgage Servicing Conference & Expo,
                    Orlando, Florida
Feb. 27-March 1   Royal Media Group Annual Subprime Summit 2005, Miami
                    Beach, Florida [www.royalmedia.com]

MARCH 2005
March 4-8         National Association of Counties (NACo) 2005
                    Legislative Conference, Washington, D.C.
                    [www.naco.org]
March 6-11        MBA School of Mortgage Banking Course I, New Orleans
March 29-April 1  MBA National Technology in Mortgage Banking Convention
                    & Expo, Orlando, Florida

More information on MBA events can be found at
www.mortgagebankers.org/conferences.
Please submit your upcoming meetings/events information for the Calendar
of Events to Lesley Hall at (fax) 202-721-0245 or
[e-mail].
Mortgage Banking reserves the right to edit or exclude listings based on
space constraints and event focus.