b'From the PresidentBy David Herzer2019-2020 CMA PresidentGet Ready for CMA Electionshope that you and your families areespecially on consumer loans.Be sure toan excellent slate of candidates this year; it healthy and safe.It is a strange newcheck with your attorney on those. is important for you to return your ballots world, and challenges abound.Therewhen they are sent out in March.As there are also opportunities; I have alreadyIt was great to see all my CMA friends atwill not be an April seminar, we will likely received a loan application for a 25% LTVthe Winter Seminar in Newport Beach.Andhold our annual official meeting in an first loan!So, hang on tight, its going towhat a great seminar it was.We enjoyed anonline format.Therefore, you will not be be a rough ride, but keep your eyes openexcellent presentation by Dr. Christopherable to vote in person.So please return for some silver lining. Thornberg.We also had informativeyour ballots; Executive Director Teresa programs on consumer lending, ADUExcinia will be sending them electronically CMA will work hard for the Membership.loans and an important presentation onas most of us are working from home We have already had a conference callthe changing fire insurance market post-right now. on the current state of affairs and weCalifornia wildfires, to name a few.Im sure will follow up with several webinars onwe all look forward to the time when weThe Spring seminar in San Francisco has current topics.Please check the Memberscan meet again.been canceled and the Board is considering Only section of the website for currentwhether we will have the July seminar.If COVID-19 information relevant to ourOn a brighter note, we have a couple ofthe July seminar is canceled, we will be industry.Dont miss the informationfantastic new committee chairs.Rockycoming out with presentations in webinar about recent title company exclusionsButani will assume the chairmanship offormat.Who knows, we may even have to title policies, also on our website; it isthe Marketing Committee and Angelicasome networking opportunities via very important! Gardner will be the new chair of theZoom!Even as we struggle with our own Membership Committee.Both replacebusinesss CMA will do its best to continue I am telling my investors that we justSteve Belleville who has chaired theseour top-notch educational presentations.dont know how long or deep this realcommittees for the last several years.Many estate downturn will be.We will learnthanks to you Steve for all your hard workI hope that you stay safe and find a lot in the next 60 days.My companyand accomplishments!opportunities to further your business in has already received several requests forthis strange new world!loan modifications/payment relief, one ofThe coming election for the Board of which was on a consumer loan.I think it isDirectors is the first since term limits have important to be as responsive as possible,been implemented here at CMA.We have Page 2Spring 2020Points of Interest'