MORTGAGE LOAN ORIGINATORS HIRED NEAR THE END OF THE YEAR: 1. All registrations received from November 15, 2007 to the end of the year will be considered registered as of January 1, 2008, unless we are otherwise instructed. 2. If you wish to have those individual’s registrations effective PRIOR to January 1, 2008, you will need to indicate that choice clearly on the registration form and include another $100 for renewal.