| Panel 1: The Future of Home Ownership |

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| 10/17/2011 |
Panelists: Scott Lang, Mayor of New Bedford and Joseph O’Brien, Mayor of Worcester
Moderator: Peter Milewski, Director of Mortgage Insurance Fund and Business Development, MassHousing
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| Panel 2: The Relationship Between Home Ownership, Jobs and Economic Growth |

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| 10/17/2011 |
Panelists: Dr. Barry Bluestone, Northeastern University and Dr. Eric Belsky, Harvard University
Moderator: David Wluka, MAR Past President and Broker-Owner of Wluka Real Estate Corp. |
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| Keynote Address |

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| 10/17/2011 |
Massachusetts Lt. Governor, Timothy Murray |
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| Panel 3: Home Ownership as a Political Priority in Massachusetts and Washington, DC |

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| 10/17/2011 |
Panelists: Greg Bialecki, Massachusetts Secretary, Housing and Economic Development; Dr. Paul Bishop, Sr. Vice President, National Association of REALTORS®; and Tom Golden, REALTOR®, and Massachusetts State Representative from Lowell.
Moderator: Robert Authier, CEO and Executive Vice President, Massachusetts Association of REALTORS® |
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| Panel 4: The Future of Home Ownership Financing |

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| 10/17/2011 |
Panelists: Christopher Dunn, CMB, Executive Vice President South Shore Bank; Patrick Lawler, Chief Economist and Assistant Director of the Federal Housing Finance Administration; and Paul Pouliot, First Vice President, Federal Home Loan Bank of Boston
Moderator: Thomas Gleason, Executive Director of MassHousing
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