December 2021 Connections

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CONTENTS Cardillo’s Corner 4 November by the Numbers 5 Employee Recognition 6 HR Corner 8 Castle Cares 9 Year in Review 16 Employee Highlights 22 Bakersfield Highlight 24 Farewell to Evelyn Ledbetter 26 Castle & Cooke Mortgage Executive Team Rick Cardillo | President/CEO Jim Modrycki | SVP Production Danny Jasper | SVP Capital Markets Perris Bullard | SVP Credit Risk Colleen Fisher | SVP Operations Samantha Bateman | SVP Compliance Scott Gonzalez | Chief Financial Officer Katie Evans | VP Human Resources Connections Production Staff Ali Carver | Editor & Loan Officer Concierge Manager Rebecca Palmer | Copy Desk & Marketing Content Manager Brittnee Talley | Designer 13751 South Wadsworth Park Drive, Suite 101, Draper, UT 84020 Copyright 2021 | Castle & Cooke Mortgage, LLC | NMLS#1251 | Equal Housing Lender | All Rights Reserved

BIRTHDAYS Michael Christensen, Dec. 1 Doug McGregor III, Dec. 13 Michelle Lynch, Dec. 22 Jeffrey McConnell, Dec. 4 Guadalupe Valencia, Dec. 15 Christin Richardson, Dec. 26 Amanda Church, Dec. 5 Nick Weber, Dec. 16 Daniel Vega, Dec. 26 Tiffany Hightower, Dec. 6 Ricky Montanez, Dec. 18 Wendi Quigley, Dec. 30 Veronica Marks, Dec. 6 Bob Little, Dec. 18 Loren Lavender, Dec. 30 Luz Encarnacion, Dec. 7 Teon Simmons, Dec. 19 Jennifer Olson, Dec. 31 Kellie Edmondson, Dec. 9 Jared Campbell, Dec. 22 Kristine Tankersley, Dec. 31 Dave Sunderman, Dec. 13 Samantha Bateman, Dec. 22 ANNIVERS RIES Patrick Flanagan, 12 years Ray Beltran, 5 years Christi Fullerton, 2 years Gregory Cook, 11 years Denise Haraseviat, 5 years Dan Taylor, 2 years Keeley James, 10 years Leathea Neal, 5 years Jessica Lang, 1 year Fadia Eramya, 9 years Rodney Jones, 5 years Kyle Brisendine, 1 year Michelle Young, 6 years Tara Shupack, 5 years Alexis Mummert, 1 year Katherine Gutierrez, 5 years Suzi Boyle, 3 years Emma Godina, 1 year WELCOME! Suzi Beaver Tami Fall Doug McGregor Branch Manager Loan Processor Consumer Direct Sales System Administrator Zoey Beaver Orlando Florez Loan Coordinator Mortgage Systems Eric Sousa Support Representative Loan Officer Taylor Bills Loan Officer Fernanda Guzman Crystal Trim-Price Servicing Representative Loan Processor Peter Brown Loan Officer Trainee Amin Hirani Samantha Zachary Loan Officer Loan Officer Trainee Jeffrey Daniels Logan Leach Loan Officer Production Coordinator

CARDILLO'S CORNER Team, I’ve been part of Castle & Cooke Mortgage for more than two years, and it’s been an incredible journey. When I started here, I put my faith in an organization that was built on solid footing, but the company had opportunities to improve. In my time here, we have accomplished so much in the way of process improvement, increased risk controls, P&L philosophy, and most of all growth. Our Operations team continues to be one of the best in the business, our Sales teams are second to none, our support partners continue to get stronger, and we continue to grow our footprint throughout the country. I am confident we’ll continue to grow together. Next year, we can’t be sure what will happen with rates, home prices, and even this pandemic, but I know we can continue our upward trajectory if we stick to the fundamentals of originating great loans, building our industry partnerships, and keeping turn times fast and efficient. We faced some big challenges this year, but I’m proud of every member of the team and all you’ve done to help us succeed. Thanks for being part of Team Castle, and I wish you, your families, and your friends the happiest of holiday seasons!

NOVEMBER by the NUMBER$ November was a phenomenal month for Castle & Cooke Mortgage, with $142 million in funded loans and a very strong locked pipeline to kick off December. “Everybody should pat themselves on the back,” said CEO Rick Cardillo. “We did a great job. We grew this company, and we continue to grow this company” November’s numbers were far ahead of plan, Rick said. In fact, they were almost as good as in 2020, when rates were lower, said SVP of Capital Markets Danny Jasper. This month, the company is almost certain to exceed plan again, Rick said. If all goes well, we could even reach $125 million. In November, 56% of funded loans were for home purchases, and 28% were cash out refinances, according to Jim Modrycki. That continues to show we are not overly dependent on the rate and term transaction to achieve all our production goals going forward. “Everything we’re supposed to be doing as branches in an increasing rate environment, we’re doing it,” Rick said. “Outstanding job by everyone.” The company’s portfolio also grew in November, Rick said. The company retained 58% of its servicing portfolio and signed new loans with about 25% of people whose loans had been paid off (meaning the company didn’t lose business to other lenders). For the year, the company is on track to raise around $1.68 billion in total funds, compared to last year’s $1.75 billion. For 2022, plans will be adjusted based on the expectation of higher rates, but Rick hopes housing inventory will loosen up to create additional opportunity for purchase loans around the country. “We’re going to have a great purchase year,” Rick said. “We’re cautiously optimistic.”

EMPLOYEE R What is it? Our Peak Performer and Rookie of the Month programs are your chance to show fellow employees how much you appreciate their hard work. These programs highlight the best of the best on both the corporate and branch levels, and they’re a great way to embrace our company culture. Rookie of the Month If you’ve been with Castle & Cooke Mortgage for less than a year, you can be nominated as a Rookie of the Month! We recognize two employees each month during Coffee with Cardillo, regardless of location. If you’re selected, you’ll get movie ticket vouchers and a sweet hat! VOTE HERE! ROOKIE OF THE MONTH JILL MELISSA BARTON FAIRBOURN Servicing Oversight Coordinator Marketing Systems Administrator Corporate Vote Branch Vote Jill Barton is our servicing oversight Marketing Systems Administrator coordinator, and this month was Melissa Fairbourn is one of December’s recognized as a Rookie of the Month. Rookies of the Month, and she was She’s built a reputation for being nominated for her work identifying root helpful, dedicated, and always on top causes of issues that impact multiple of her game. systems in the corporate office. She’s been a great addition to the marketing team, and the honor is well-deserved!

RECOGNITION Who should be nominated? • If you have a coworker who’s gone above and beyond on a recent project, nominate them! • If someone from another department helps your team with a project, nominate them! • If your manager or colleague taught you a skill that makes your job easier, nominate them! • If your colleague does great work every single day, nominate them! Peak Performers To be nominated as a Peak Performer, you must have been with Castle & Cooke Mortgage for at least one year. Each month, we recognize two Peak Performers during Coffee with Cardillo: one voted on by branches and one voted on by corporate. If you’re chosen, you’ll also get a $250 bonus and be entered into a drawing to attend the annual Summit Club awards trip! VOTE HERE! PEAK PERFORMER PEAK PERFORMERS! PEAK PERFORMERS! BRANDON MICHELLE HAAS MURPHY Accountant Funding Coordinator DECEMBER 2021 DECEMBER 2021 Corporate Vote Branch Vote Accountant Brandon Haas has been Michelle Murphy is a funding honored as one of this month’s Peak coordinator based out of our home Performers (and it’s not just because office, and she’s been chosen as one of he’s super speedy at processing December’s Peak Performers! Michelle expense reports)! He was nominated was nominated for being prompt, for being smart, attentive to detail, and efficient, and getting issues cleaned up always willing to go the extra mile. quickly for timely closings. Congrats, Michelle!

HR CORNER As this year comes to a Employee well-being close, we are grateful for each one of you and your Meeting-free Friday afternoons. contributions. Our people are our greatest assets, Our bereavement policy will be updated to include a and we truly are so lucky day of paid leave for your aunt, uncle, cousins, nieces, you have each of you as and nephews. a part of our team! I have been here for six years, Continued Employee Assistance Program support. and each year it keeps getting better. More exciting things to come I love how as an organization we are always New branding of our culture mission, vision, and looking for ways to improve and evolve values is underway. Keep a lookout for the rollout on and make it even better workplace for our Jan. 18. employees. I hope you have a safe and happy holiday season. Other perks Some things to look forward to in the New Year: Pet insurance is active! To sign up, please visit aspcapetinsurance.com/diversified or call More recognition 877-343-5314. Based on feedback from Great Places to Work We are adding Juneteenth to our holiday schedule Survey, we added an additional President’s Pick for 2022. for the field for our annual Summit Club trip in 2022! This includes branch support staff who are Reminders not eligible in another category (i.e. loan officer assistant, loan coordinators, and production Beginning 1/1/2022 vision insurance will be through coordinators, etc.). Your branch manager has UHC. If you are enrolled in medical, you can download the opportunity to nominate someone for this the card from the UHC app. If you are enrolled in just prestigious award. This is in addition to the vision, you can go to myuhcvision.com. President Pick for corporate. The Corporate office will be closed on Dec. 24 in There will also be additional department-level observance of Christmas. It will be open on Dec. 31 recognition. More info coming soon! but closed on Monday, Jan. 3, in observance of New Year’s Day. Happy Holidays! Enjoying Connections? Give Feedback

Las Cruces, NM: Sincere Thanks, Framed, and Delivered Veterans of the U.S. Armed Forces are very important to Las Cruces Branch Manager Pat Breeding, and this Veteran’s Day she helped put on a special event to honor all who have served. Pat invited all the veteran’s she’d worked with over the years and handed out more than 100 flyers to veteran’s organizations, VFW halls, fire departments, police departments, and the Lions Club. She also got the announcement in local newspapers. The Real Estate Firm and its owner Miriam Alcala were co-sponsors. The Edge of Texas Steakhouse & Saloon and the Healing Clinic also pitched in, offering gift certificates to every veteran who attended. Each veteran received a patriotic boutonniere or a corsage, was served a delicious lunch, and got the chance to have a professional photo taken. Pat will have soon have each photo enhanced with a patriotic background, framed, and delivered to the featured veterans. “The event turned out better than we thought, and it was a great to honor the veterans for their service to our country,” Pat said. “We will be doing this again next year!”

Closing, Funding & Post-Closing: Cooking for a Great Cause Walking into the corporate office of Castle & “As a single parent, I’ve been in ‘make it or break Cooke Mortgage, the aromas instantly made us it’ situations and without the support of others salivate and wish it was lunch time. The Closing, during those times, I do not know where I would be Funding, and Post Closing teams decided to put today,” said VP of Operations Nichole Belnap. “This their cooking and baking talents to work by doing organization provides that extra support to those a Baked Goods and Chili sale to raise money for who are wanting to succeed and just needs a “leg a local charity, The Single Parent Project. up” to get there. I loved that my teams chose in this organization and we got to support those that The Single Parent Project is an organization are in the same situation I once was.” that supports single parents through education and training, financial support, extra-curricular With a goal of $500 in mind, the teams set out to activities, and community support groups. On take pre-orders from co-workers, friends, family, their website the organization discusses many and even sought out surrounding businesses ways they support single parents. to join in on some deliciousness. Soon the three departments knew that their goal was blown out “We offer financial assistance for day-to-day of the water and hours of cooking and baking expenses, ie: but not limited to; utilities, rent/ were ahead of them. mortgage payments, gas, groceries, childcare expenses, and care repairs. Once we offer financial assistance, we offer a variety of resources, to help single parents better their financial, personal, and emotional wellbeing.” The Single Parent Project was selected by Closing Taking over a conference room the Closing, Team Lead Mckayla Christenson and hit home for Funding, and Post Closing teams started early in a few members of the team as it was voted the the morning Thursday, Nov. 18, to setup for orders highest charity among the three teams. to be picked up and lunch to be enjoyed. For those who could not resist the enticing smells but did “In my early childhood, my dad was basically a not pre-order, the teams ensured “extra” was still single parent and I know there are so many out available. By the end of day, tables were empty there that could always use help,” McKayla said. and sales had reached a grand total of $2,127, far “I liked that it was about single parents, not just exceeding their goal. single moms. Although, my dad still paid my mom child support, he was my primary parent “We could not have expected a better turnout and took care of me. I thought it was great to raise money for The Single Parent Project,” that the foundation helped alleviate the need said Operations Manager Adrienne Rizzuto. “The of government assistance, and it had support support of each member of our team by baking/ for drug abuse for parents, and support for cooking, setup/take down, and being there to help children in schooling. Thank you to everyone for during pickup made this such a success. I couldn’t supporting this cause. Parents are superheroes; have asked for a better team.” give thanks to the parent in your life! Happy Holidays.”

Hawaii: Walking with Purpose and Meaning Even though the Castle & Cooke region of Hawaii is across different islands (and even a team member in Idaho), they all came together on a Saturday afternoon in mid-November for a walk unlike any other. This walk raised funds and awareness for Alzheimer’s research. Walkers had the opportunity to honor someone they loved who had been affected by the neurodegenerative disease. “My father-in-law, Ramon Duran Beltran died from Alzheimer’s in 2002 so we dedicated our charity walk as a team to him,” said Honolulu Area Manager Kara Beltran. “It gave our purpose more meaning.” Employees, families, and even some dogs participated in this great cause. Not only did the Hawaii team walk, they raised more than $2,000 to donate to the Walk to End Alzheimer’s. “I am very proud of Team Hawaii,” Kara said, cheering on her people. “This has been a crazy busy period for all of us, license renewals, keeping up with regular CE classes, closing loans, and raising our families. BUT you all “made” the time to participate and have a share in this event. You are all Rock Stars in my book.”

Scottsbluff, NE: Thanksgiving Meals Alongside Family This Thanksgiving in the small town of Scottsbluff, Nebraska, almost 1,100 people from Scottsbluff and surrounding communities were on the receiving end of a Thanksgiving meal, thanks to the Thanksgiving in the Valley event. For the past 38 years, people have gathered at the Guadalupe Center in Scottsbluff for the special day. In the past, the meal was enjoyed in-person, but last year and this year, it was carryout only. The tasty delights delivered far and wide included potatoes and gravy, corn, rolls, milk, pumpkin pie, and roasted turkey. Jennifer Urdiales, Branch manager, has volunteered for this event in the past and helped again in 2021. “To see those who may not want to cook for just themselves, those who cannot provide for themselves, or just someone who was lonely and looking for company, come together and enjoy a warm meal, has always meant a lot to me,” she said. This year, Jennifer brought her husband, Martin, “I came from a larger family where my mom and their daughters Havynn (10) and Gracelynn (six spent her entire day in the kitchen, providing months) to help package the carryout meals. us with this warm, amazing, homemade meal,” Jennifer recalled. “It is one of my best memories of “It was very important to my husband and I that Thanksgiving, seeing my mom bring it all together. we show our girls what it is like to give of your time That is what I strive to do with my kids, and this to those who need it,” she said. “We didn’t have to event is a great reminder that I am very fortunate spend any money or give anything but our time to to have a house full to feed and that I have the them, and it made the days of so many who enjoyed ability to do so, when there are some who have the meal.” to go without or don’t have company to share the good food with.” Together, the family packaged nearly 400 meals. In so doing, they helped Jennifer connect with her own Havynn’s and Gracelynn’s festive T-shirts may have childhood. said it best: “EXTRA thankful THIS YEAR.”

Peoria, AZ: Supporting Our Nation’s Heroes All Year Long In the heart of Arizona, you’ll find the Peoria branch items for the silent auction,” she explained. “In of Castle & Cooke Mortgage, a team dedicated addition, we helped to set up the day of the event, to serving and giving back to their community, helped to entertain attendees, and assisted with the especially to our nation’s heroes. cleanup at the end.” “Our team loves to give back, and we participate in This October, and every October for the last 11 years, some charities every year here at our branch and the team participated in the Homes for Heroes continue to look for new ones as well,” said Loan Event. Coordinator Dawn Rossen. “We raise money for the Homes for Heroes Throughout 2021, the team has come together to Foundation,” Jennifer explained. “We partner support veterans and the community’s heroes with Anthem outlet that hosts this event and we many times. sell tickets for the event and obtain prizes from our vendors to give away at the event. Our team On April 23, the team participated in the Stars & works all day setting up, meeting with attendees, Stripes VAREP Gold Charity Event. Not only did they volunteering wherever we are needed the day of help sell golf spots for the event, they set up, took the event. We raised over $3,000 for the Homes for registrations, and even stuck around to clean up Heroes Foundation this year.” afterward. In December, the team is partnering with Wreaths In September of 2021, the team participated in the Across America to sponsor and help lay wreaths VAREP gala, which raised more than $27,000 for on the graves of veterans for Christmas. The team local veterans, added Branch Manager Jennifer is also participating in the Peoria Fire Department Gokool. The team also invested 96 combined hours toy drive and volunteering at Avanti Senior Living in of time in handmaking the centerpieces for the 18 Peoria. tables. Each staff member did their part to help make the gala a beautiful and successful event. “This is a Veteran-based gala—my team worked together to sell tickets for the gala and obtained

Bakersfield, CA: Sharing Love with our 4-legged Friends The Castle & Cooke Mortgage team in Bakersfield, CA, loves animals so much they found and a way to show some love to their furry friends at Bakersfield SPCA for Castle Cares. Bakersfield SPCA, a non-profit organization, provides shelter, food, medication, grooming, and socialization for displaced pets so they are ready to return to a home environment. Their vision is that no healthy companion animal will be euthanized for a lack of a home, lack of space, or lack of compassion. Since opening in 1950, the charity has placed more than 125,000 animals in safe and loving homes. The services of the Bakersfield SPCA are only possible because of generous donations of time and money by community volunteers. “We had hoped we could go and give the dogs and cats some attention, but were unable to due to COVID,” said Bakersfield Branch Manager Evelyn Ledbetter. Instead, they found another way that they could provide some love. In addition to a donation of $200, the team hand-picked toys the 4-legged friends would love. “We had a lot of fun picking out the toys,” Evelyn continued. “There are so many animals that need love. We couldn’t give them much of that since we couldn’t go in. Hopefully, they will enjoy the toys.”

Compliance & Licensing: Bringing Joy Through Hand-written Cards Working as a team, the Castle & Cooke Mortgage Compliance and Licensing departments found a way to spread joy to community elders for their 2021 Castle Cares project. They first reached out to different local nursing homes to ask how they could bring joy to residents there. They learned that many older folks in care don’t get the benefit of seeing friends or family on a regular basis. Soon, they realized a little note saying someone was thinking of them could brighten their day and help them feel less alone. Members of the Compliance and Licensing prepared more than 300 greeting cards and encouraged everyone in the corporate office to write their own messages. “The cards varied from birthday, Christmas, thank you, get well and just because cards so that the local nursing homes can give to the residents who might need a pick me up or a special note on a special… or not so special… day,” said Samantha Bateman, SVP of Compliance. It’s always a good time when we can come together and enjoy each other on a personal level. It’s even better when we do it providing joy to people we’ll never meet.”

Wow. What a year it’s been! Fro beginning of the year, offici to working toward being able t everything in between. The this year are one These moments build the ReYv

om working from home at the ially re-opening corporate, to gather in person again, and activities and memories of e for the books. that last forever. Yveiaerwin

2021 really has been the year where we’ve come together a projects we’ve sup Blood Drive Candlelighters Childhood Cancer Foundation Clarinda Lutheran School Clothing and household item drive Firefighter Toy Drive—Peoria, Arizona Food banks across the nation Geraldine E King Women’s Resource Center Greeting cards for nursing homes “Alone we ca Homes for Heroes together we ca Honoring veterans for their service Humane Society of Utah Huntington Dog Beach –Helen Jordan River Parkway cleanup Kids’ Meals Inc Make-A-Wish America Nashville Women’s Shelter North Texas Food bank ReYvOgden Rescue Mission—Food Distribution

and done so much good. Here are the charities and service pported this year. an do so little; Project Angel Food an do so much.” Project Elf n Keller Refugees Ronald McDonald House Charities Yveiaerwin Settler’s Point Elementary Socks for Homeless SPCA International Thanksgiving in the Valley The Salvation Army The Single Parent Project Tiny Tim’s Toy Foundation Toys for Tots Tracy Aviary & Botanical Gardens Utah Food Bank VAREP charity events Volunteers of America VOA Homeless Youth Resource Center Walk to end Alzheimer’s Washington County Food Pantry Wreaths Across America

Employee Achievements Shoutout to Boise Branch Manager Top 3 Loan Officers per Volume Top 3 Branches per Units Suzi Boyle, who earned recognition in 1. Joe Massey—$113,718,712 1. Las Vegas—747 units September as an Excellence in Finance 2. Rodney Jones—$72,137,6.36 2. South Ogden—714 units Honoree with the Idaho Busines Review. 3. Taylor Madsen—$59,151,819 3. Consumer Direct, UT—542 units Wow! We’re so proud of Rodney Jones, Denise Top 3 Loan Officers per Units Haraseviat, and everyone at Castle & Cooke Mortgage, 1. Joe Massey—348 units Top 3 Processors LLC, for being featured in this American Dream Nashville 2. Bryce Magill—281 units 1. Heather McCor- clip with Bernie Gallerani, one of our top real estate 3. Rodney Jones—238 Units mick—719 Units: agent connections in Tennessee. 661 One touch Top 3 Branches per Volume 2. Dawn King—555 Units: Our very own Jessie Van Wagoner, branch manager 1. South Ogden—$226,967,347 294 One touch of the Draper, Utah, branch, spoke alongside of the 2. Las Vegas—$219,595,389 3. Karen Maystead—400 fabulous real estate coach Cheryl Knowlton at this year’s 3. Denver—$158,900,083 Units: 233 One touch National Association of Realtors conference in San Diego. RevYSummitClub2021!

Summit Club This year’s summit club was held in New York City and celebrated top performers and top producers who qualified for the trip. Can’t wait to see who will be attending the 2022 trip to Cabo San Lucas, Mexico! Watch the video at this link! Congrats again to the Peak Performers of 2021: Way to go, Rookies of the Month of 2021:* January: Lauren Brown & Tony Golden February: Aleksandra Shull & Christian Brumley February: Erica Allred & Jeffery Hannaman March: Travis Baltes & Emily Moore March: Brian McKray & Vickie Harris April: Victoria Patrick & Captrisha Mutanga April: Ashley Collins & Lacey Lauber May: Sara Sattelberg & Ryan Green May: Rebekah Johnson & Kristi Fuller June: McKayla Christenson & Brittany Binder June: Jessica Olsen & Keeley James July: Ali Carver & Abbigail Clawson July: Adrienne Rizzuto & Nichole Belnap August: Makiah Nichols & Erin Large August: Alyssa Bunch & Kellie Rich September: Ricci Wahlquist & Christopher Walker September: Dan Taylor & Cindy Soper October: Peter Borowczyk & Jason Brwn October: Lauren Brown & Seth D’Amato November: Kaylee Haro & Alex Twede November: Jason Bruce & Travis Baltes December: Jill Barton & Melissa Fairbourn December: Brandon Hass & Michelle Murphy *Program started in February of 2021 viewYear in Summit Club 2022! Cabo san lucas

EMPLOYEE HIGHLIGHT Leslie Peterson Quality Control Analyst | SLC, UT Quality Control Analyst Leslie Peterson joined the workload, even though she was in another Castle & Cooke Mortgage right before the COVID-19 department. pandemic hit, but she’s no stranger to home loans. “Leslie’s just really good at what she does,” Kori said, In fact, Leslie has decades of experience in the adding that Leslie always knows her top priorities, business, and has held positions ranging from jumps in, and gets the work done. “She super sharp. processing commission checks to loan processing, She’s just a smart, smart lady.” underwriting, and management. When she’s not keeping Team Castle on track, Leslie “Once you get in,” she said, “you never get out.” creates memory quilts using old clothes and scraps of fabric. Often, the clothes belonged to someone Her wealth of experience makes her a great fit for who recently died. Other times, they’re pop culture- the Quality Control team, but she’s happy to help themed or made from baby clothes. out wherever she’s needed. Leslie pieces everything together to create a beautiful In November and December of 2020, the Castle gift that will stand the test of time. So far, she’s & Cooke Mortgage Underwriting department was created hundreds of quilts. overwhelmed with loan applications, explained VP of Quality Control Kori Seely. Leslie volunteered to “My deal is that I don’t want to make it if it’s in a box or step in as a temporary underwriter to help handle a closet,” she said. “I want you to use it.” Fascinating Fact Leslie was one of the first people in the country to test Freddie Mac’s automated underwriting system (AUS) back in the ‘90s. She recalls that all her coworkers at the time were scared the new AUS would take their jobs.

EMPLOYEE HIGHLIGHT Randy Bunn Assistant to the Branch Manager | Meridian, ID You wouldn’t know it to look at him, but Randy “You make it to 64 years, you’ve done some stuff,” he Bunn, assistant to the Meridian branch manager, said. is a grandpa. And not just once or twice over—he Sean has known Randy for years and says Randy boasts 10 grandkids and six kids (three of whom has a way of truly caring about people—and getting are adopted). everyone to care about him in return. “Randy is a pleasure to have in the office,” Sean said. Randy and his wife raised their family in Idaho, and “He’s a very hard worker and also fun to be around. they’re settling into their forever home in Nampa, The fishing stories are always good for a laugh.” a small city in the Boise metro area. All the living space is on one floor, and they recently built an Fascinating addition so there would be plenty of bedrooms for Fact when the kids come to visit. Before joining the mortgage business, Randy The home is complete with a metal shop, a fully was a professional bass fisherman. He rode fenced yard, and a doggy door for their two 78 mile-per-hour boats, chasing big bass for Pomeranians: Bandit and Buddy. big money. Randy started in the mortgage business in 2005 after a career in the car business, and he’s been with Castle & Cooke Mortgage for nearly four and a half years. He originates some loans himself and works as a processor on Sean’s brokered loans. Anytime he works with outside underwriters, he’s grateful for the team at Castle & Cooke Mortgage. “We’re spoiled,” he laughed. “When we have to deal with anybody else, it’s just not fun.” He went on to offer gratitude for everyone at the company. “This is the greatest place I ever worked,” he said. “My branch manager is awesome—always looking out for all of us too.” Randy has earned a stellar reputation for his work in finance but has lived a full life outside the office. Just after he was married, he and his wife moved to the resort town of McCall, Idaho, where he worked on ski patrol for a few years. He’s also worked as a hunting guide, a whitewater rafting guide on the Salmon River, and professional bass hunter.

BAKERSFIELD The Bakersfield Branch of Castle & Cooke Mortgage is right in the middle of everything—just a few hours from the beach, the mountains, wine country, and even Disneyland. The team has been busier than ever the last few years, but they still find time to have lunch together most days. Branch Manager Evelyn Ledbetter will be retiring at the end of this year, but she had high praise for her team and for Castle & Cooke Mortgage as a whole. “I can’t imagine working anywhere else,” she said. “It would be very hard to go to another mortgage company because of the corporate support we get.” BAKERSFIELD, CA “I can’t imagine working anywhere else,” — Branch Manager Evelyn Ledbetter

D BRANCH Meet the Team Evelyn Ledbetter, Branch Manager Evelyn has been in the mortgage industry for 35 years and loves her daughter and three grandkids dearly. She’s worked closely with the home developer Castle & Cooke California, LLC, during her time in Bakersfield and is known for being kind and genuine. After retirement, she looks forward to spending more time with her husband of 44 years. Jennifer Olson, Sr. Loan Processor Jennifer started the Bakersfield branch with Evelyn back in 2006 and has done the heavy lifting behind the scenes ever since. She’s a mom to three great kids and fur momma to three dogs and two cats. She’s known for being hands-on, straightforward, and doing whatever it takes to move the team forward. Brenda Starr, Loan Officer Brenda has been in the mortgage industry for more than 20 years, and she’s very self-sufficient, Evelyn said. She has a solid work ethic, provides quality service, and takes pride in her work. The saying “anything worth doing, is worth doing right” would describe her, Jennifer said. She is a team player and always willing to help. Heather Brown, Loan Processor Heather is cherished for her work ethic and industry knowledge, and she’s known for doing whatever it takes to get loans done, whether that means coming in early, staying late, or even both. “Let’s be real, I’m in mortgage,” she jokes. “I don’t have a life.” When she does get away from the office, she enjoys travel and hobby photography. Melanie Contreras, Loan Officer Melanie is driven, consistent, and knowledgeable. She loves working with the Hispanic community and first-time homeowners. She doesn’t give up on her buyers and works hard until her files are finished, Jennifer said. Outside work, she loves spending time with her family, going to the beach, and pursuing fitness-oriented goals.

Bids Bakersfield Branch Manager Evelyn Ledbetter Evelyn’s accomplishments at has spent the last 16 years with Castle & Cooke Castle & Cooke Mortgage Mortgage, and she made it a family business from the start. She and her daughter, Jennifer Olson, In all but two of the last 16 years, Evelyn has opened the branch together and have worked side earned her place at the annual company awards ever since. trip. She also earned a reputation with the local builder community that propelled her success, At the end of this year, Evelyn will set out on a starting from day one. grand new adventure: retirement. Today, the Bakersfield branch shares a building “It’s bittersweet,” she explained. “I’m going to miss with Castle & Cooke California, LLC, a developer working with everyone, and the sweet part is being of high-end single-family homes. able to take advantage of what life has to offer outside of work.” “She’s the prefect extension to our sales process and effective closing, including our goals for And work hard, she definitely did. Castle & Cooke,” said Darlene Mohlke, VP of Sales and Marketing at the development company. Getting it done in Bakersfield “Without her, we don’t hit the goals on time because she’s so efficient in her pre-quals all While keeping busy originating her own the way to closing. She’s absolutely been such loans, Evelyn built a strong team focused a valuable partner to us and in many ways she on professionalism, efficiency, and genuine feels likes she’s every bit as important to us as communication. she is to (Castle & Cooke Mortgage).” She’s one of the nicest people you’ll ever meet, Leadership at Castle & Cooke Mortgage is also Jennifer said, but she’s very particular about on- proud of Evelyn and all her accomplishments. time closings and “making sure we hit the mark.” “She is someone who truly cares about the The strength of the branch speaks to Evelyn’s skills company and our image and brand,” said as a leader. Samantha Bateman, SVP of Compliance. “I can tell how much Evelyn cares about everyone “Sometimes in work you have to make calls that involved in a transaction, from her team to the are not popular,” Evelyn explained. “We get along consumer to corporate and all around.” great, but if something has to be done that’s really not to everyone’s liking, I have no problem in VP of Operations Nichole Belnap added that making that happen.” Evelyn is one of the most genuine people she’s ever worked with. Perris Bullard, SVP of Credit Risk, echoed that sentiment. “She shows by example that excellence is something to aim for every day,” Nichole said. “Evelyn has a wonderful demeanor that inspires “Thank you so much for all you have done for calm and confidence at the same time,” Perris said. (Castle & Cooke Mortgage) and for my teams!” “She has experience and is able to communicate professionally, even when it’s bad news. … She is just all around amazing!”

the Castle Farewell What’s next for Bakersfield? “Jennifer has been my right arm since day one,” Evelyn said. “Everyone’s used to her; they like her. When Evelyn turns in her keys at the end of the She’s going to do wonderful.” year, Jennifer will take over as branch manager. Darlene couldn’t agree more. “We are very pleased She’s excited for the adventure and looks forward with the transition because we’re very confident to continuing the relationships she and Evelyn that only does Castle & Cooke Mortgage believe have built. She’s also eager to hire additional loan Jennifer can be successful, Castle & Cooke officers and grow the resale part of the business. California believes Jennifer can be successful,” she said. “We’re all invested in her success.” The corporate team at Castle & Cooke Mortgage gives Jennifer hope for the future. As for Evelyn, she has big plans to travel with her husband and enjoy her enviable geographic “I think that the company is absolutely wonderful,” location, just an hour away from the beach in one she said. “Everybody has always been top notch as direction and an hour from the mountains in far as answering the questions. If they don’t know, the other. they’ll find the answers.” “I’m going to miss everyone; it was a very hard Evelyn shares Jennifer’s confidence in the future decision,” she said. “But I need to give this a shot. I and knows she’s leaving the branch in good hands. think I’m ready.”

2022 Corporate Holiday Schedule New Year’s Day (observed) - Monday, January 3 Martin Luther King Jr. Day - Monday, January 17 Presidents’ Day - Monday, Febrary 21 Memorial Day - Monday, May 30 Juneteenth (observed) - Monday, June 20 Independence Day - Monday, July 4 Labor Day - Monday, September 5 Indigenous Peoples’ Day - Monday, October 10 Thanksgiving Day - Thursday, November 24 Day after Thanksgiving - Friday, November 25 Christmas Day (observed) - Monday, December 26