July Connections

JULY 2023 Spotlight: Rick Cardillo Executive Insights Page 4 ServeBank: Our new sub-servicer Page 12

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 06 June By the Number$ 07 HOME Value of Focus Rick Cardillo | President/CEO 08 HR Message Jim Modrycki | SVP Production 11 Culture Corner Danny Jasper | EVP Capital Markets Perris Bullard | SVP Credit Risk Colleen Fisher | SVP Operations Samantha Bateman | SVP Compliance Scott Gonzalez | Chief Financial Officer Katie Evans | SVP Human Resources Connections Production Staff Ali Carver | Editor & Culture Project Manager Brittnee Talley | Designer 12 Servbank: Our new Sub-Servicer 14 Employee Recognition 16 Castle Cares 20 Employee & Team Highlights 13751 South Wadsworth Park Drive, Suite 101, Draper UT 84020 Copyright 2022 | Castle & Cooke Mortgage, LLC | NMLS #1251 Equal Housing Lender | All Rights Reserved

Leslie Peterson, August 3BirthdaysShanel Hacker, 15 years Steven Spain, August 5 Bryan Hethke, 14 years Melissa Gates, August 6AnniversariesAmy French, 12 years Channing Craig, August 8 Dawn King, 11 years Randy Whitaker, August 9AUGUSTAmanda Church, 8 years Denise Haraseviat, August 12 Dani Dougal, 7 years Curt Wilken, August 13 Kay Larue, 5 years Jamison Allingham, August 19 Ashley Collins, 5 years Evve Land, August 20 Guadalupe Valencia, 5 years Jennifer Gokool, August 30 Jared Campbell, 4 years Pamela Herron, August 31 Andrea Clippinger, 4 years Steven Spain, 3 years Sharley Danis, 3 years Christopher Julian, 2 years Clayton Mabey, 1 year Stephanie Stephens, 1 year

EIxnesicguhttivs e Q2 2023 was our best volume quarter since rates above the 3.75% range till the Fed starts dropping started rising a year ago (Q3 2022). We have seen rates, which may not be until the summer of increases in activity across all branches and we 2024. continue to focus on expense control. How the rest of the year unfolds falls into two categories: 1) what • Mortgage rate spreads above the 10-year we can control and 2) what we can’t control.   Treasury will stay around historic highs of 3.0% for What We Can’t Control: a bit longer than we hoped. Fed Rate Hikes, Inflation, Mortgage Interest • Home prices in our most active areas have Rates, Housing Prices/Inventory, and the 10 Year Treasury Yield declined by 5-6% (Utah, Idaho, Nevada, Arizona, Colorado) from Covid-19 highs but are still 25- • We have all been reading the self-proclaimed 30% higher than pre-COVID levels. pundits on their mortgage blogs and the • Housing inventory is very low, but we are seeing a analysts from the MBA, Fannie Mae, Freddie Mac, and Wall Street. They have all claimed pickup in new home starts/construction. interest rates will drop in the second half of 2023. Its looking more and more like they will • There is a whole segment of borrowers who are be wrong. priced out of the market. • Inflation is still not under control and the “mild” • There is a whole segment of borrowers sitting on recession they all projected isn’t any closer to coming. the fence with their current homes financed at 3.00% rate ranges. • The Fed will more than likely have one or two My conclusion is we should anticipate mortgage more rate hikes, bringing the Fed rate to 5.50- interest rates staying in the 6.50% to 7.25% range 5.75% for another 6-12 months. That said, does anyone talk about gas prices anymore?? Remember • The 10-year treasury will more than likely stay when the Ukraine War started, and gas pricings jumped to $3.50 to $4.50 a gallon. People were concerned, watched the amount of driving they did, bought electric cars, truck/SUV sales slowed down

and consumers waited for prices to get back down big firms. to the $2.50 per gallon range... Well guess what? It’s 24 months later and now gas at $3.75-$4.50 a • Stop hoping for lower rates and convince your gallon is normal, and folks don’t blink an eye, they just drive on. Are you starting to get where I am borrowers that now is the time to buy and if rates going with this? drop you can refi them at reduced costs with our buy now refi later program. The fence sitters are starting to accept that 6.75% or higher mortgage rates are the new normal, Right now, we must out work our competition for the because they are. We will not see interest rates business that is out there. And once we get it then under 5% for a long-time coming folks. And we need to give that borrower the best service. A lot that means more people buying homes and of folks that are no longer in our business either were selling their existing homes. The increases will be forced out (55,000 layoffs in the mortgage industry so gradual, but they will come, and we are seeing far) or they have chosen a different line of work (a lot that already. Remember I told you that when I first of LOs). So, the ration of LOs to realtors and borrowers started originating that I was closing loans at 12%, continues to drop. If you put in maximum effort and and nobody had an issue?  It was normal and don’t ease up, you will see your business increase as the market was robust. Borrowers will accept the the market comes back. These things we can control 6.75%-7.25% as the new normal and start buying and if we do it right, we will see continued success. again. It just takes time. Nobody talks about those Thank you for your efforts and loyalty to CCM. You outrageous gas prices anymore at the dinner table make up the backbone of a proud company that has or in front of the water cooler. withstood the worst down cycle in the industry since 2008 and is coming back!! And if the Fed does drop the Fed Funds rate back down to 4% in the summer of 2024 as analysts are The market will improve, just not as quickly as we had now predicting, we will have a nice little refi boom all hoped. I hope the pundits and analysts are correct on our hands. and it turns sooner. But until then – Stay the Course!! What We Can Control: Service Levels, Marketing Efforts, Sales Efforts, Building Our Referral Base, and Expense Control • Continue to maintain the excellent service levels we have and continue to try to say, “yes we can do it” rather than “nope.” • Utilize the marketing tools you have – and Scotty K. and team are there to help. • Maintain and build your referral base. Stay in touch with them, participate in their sales meetings. Show them how much you can help them in a tough market. • Stay out there on social media. • Sell all the products/programs you have in our CCM arsenal. Know them and use them. It may get you one more loan a month. • Utilize the tools and resources that are on CCM Connect. We have a whole area dedicated to loan officers, quick product guides and sales training. • Continue to recruit good people into the CCM ranks. • Utilize a CCM management team that reacts quickly to issues—You don’t find that at the

by the JUNE NUMBER$ June is over and once again, Castle & Cooke put up another profitable month.  In addition, we also had a profitable quarter, which is very important as we are report our financial results to our warehouse lenders and agency partners.  After 6 months of negative results, the past two months are a welcome change, how- ever we still have a tall hill to climb to ensure our future months all remain on the positive side of the ledger.  The results came from several factors:  First, we had our best production month of 2023.  Second, we con- tinue to be focused on managing costs.  And third, our servicing portfolio, although reduced in size, is still a significant factor in driving in revenue.  The goal for the second half of the year is to continue positive trends in all 3 of these key areas. We funded $49.9M in June which was $2M more than May.  At 90% of our production, we continue to dom- inate the purchase market.  With refinances tougher to come by these days due to the interest rate re- strictions our purchase expertise allows us to stand above our competitors.  That said, we also recognize that there are cash out refinance opportunities available to us and much of our marketing and business development support is focused on this area of growth for the coming months.  We retained servicing on 35% of our production and significantly increased our portfolio retention in June.  The net result was growth in our servicing portfolio, which is and always be a goal for Castle & Cooke.   Another positive trend in June was our daily average applications which was up from May and at our highest levels all year.  Although our locked pipeline was lower than the same point a month ago, we have had several great days to start July to put us in a good position to finish July strong and move into August with momentum. More good news is that we are close to deploying a few new products that will help our originators serve more borrowers and we will continue to look for additional opportunities to help us grow.  We are also ac- tively recruiting in several key areas and hope to add production in the next 6 months to finish 2023 with more than when we started.  Our primary focus remains to be Las Vegas, Utah, Texas, Florida, Hawaii and Arizona…all areas where we have the strength of presence, reputation and leadership.  The market environment has not changed much this summer.  Interest rates hover in the 6-7% range and the housing shortage remains a factor.  The good news is that we are finally at a place where the rates are accepted as the norm and no longer a major deterrent for buyers to consider purchasing a new home.  However, the not so good news is that the inventory shortage and the overall increase in home values across the nation are challenges that are hampering our industry with little relief in sight.  Our mentality re- mains that we will simply do what we do best…deliver the very best experience for every single borrower and every single transaction.  From this will come happy customers and real estate agents.  From that will come repeat and referral business. July will be a tough month to repeat our June successes, but we are confident that everyone will do all they can to make it happen.  We also know that our future looks bright based on our recent accomplishments and what we believe is in front of us. 

home Value of Focus We create a fun, inclusive environment that fosters • Competence (you’re good at what you do) connection by building the walls of HOME. • Relatedness (you feel close to others) H Have Trust—we stand confident in our integrity and These items relate closely with our values of HOME embrace feedback. because when you have autonomy not only are you receiving trust from your managers and others O Openly Communicate—We speak with clarity, listen to do what you need to do, but you are also trusting yourself. You explored the possibilities to find what attentively, and act promptly. you like doing and then are motivated to keep doing what you are good at. And lastly, as you are M Motivate Everyone—We inspire by providing working to build relationships with those around you, you are nurturing connection and creating flexibility, resources, and recognition. We succeed relationships where you can openly communicate with trust as you relate with others. when YOU succeed. If you are needing assistance along your own E Explore Possibilities—We grow and innovate by pursuit of happiness, take advantage of the free employee assistance resources and connect with taking action and taking chances. BHS or you can read “The Secret to Happiness” article on BHS’s website. Log in password is “CCM”. As we continue to work together to build a Culture of Connection – we’ll use this space to share upcoming happenings that foster Connection, articles that teach and demonstrate how to embody our values and celebrate each other as we do so. The Pursuit of Happiness It’s in the Declaration of Independence: the right to the pursuit of happiness. We feel we deserve to be happy, and we strive for it in our lives. But what does being happy really mean, and how can we do it? Psychologists say that these three needs seem to drive happiness: • Autonomy (a sense that you’ve chosen to do what you do)

HRMessage The 2023 Employer Contribution to your HSA is available! awesome facts about If you are enrolled in the HSA, you receive an our medical employer contribution to your HSA dependent and HSA on your coverage level. The second installment Benefits was funded into your HSA on 7/21. You received an e-mail with this information. To review Connect with CCM’s HR team your available balance, please log into your HealthEquity account at www.myhealthequity.com We are here to support you through the up and . If you do not have your HealthEquity HSA card or downs of life, if you need anything at all or have you have questions regarding your HSA, you can questions about these resources, don’t hesitate to call HealthEquity Member Services at 1-844-341- contact us [email protected] 6998. HSA (Health Savings Account) Benefits to Contributing to an HSA If you opt into the High Deductible Health Insurance, you then have access to a savings account called • Receive discount on your health care an HSA (a Health Savings Account). Any money expenses through tax savings contributed to an HSA is YOURS, meaning you don’t lose it year to year and if you were to ever leave • Utilize your HSA for anyone in your family CCM, you would still have access to those funds. who is your tax dependent or Spouse Learn more by watching these videos: How an HSA can support your Consumer Driven Health Plan, or • Prepare for unexpected medical expenses How an HSA works with your High Deductible Health by keeping money in your HSA Plan. • The HSA can grow year over year. • Even though there is a limit to how much you can contribute each year (Contribution limits for 2023 are $3,850 for employee only and $7,750 for family coverage) there is no limit to the total amount you can have in the HAS. *Those 55 and older can contribute an additional $1,000 as a catch-up contribution. • After you have more than $2,000 in your HSA you can choose to invest your HSA dollars What can I use the HSA for? There are many things you can use the funds in your HSA account for including but not limited to: • Over the counter menstrual items • Acupuncture • Ambulance • Birth control pills/ prescription contraceptives • Chiropractor • Contact lenses • Crutches

• Dental treatments Virtual Visits • Eyeglasses/ eye surgery • Hearing aids When you need care – anytime, day or night — • Long-term care Virtual Visits can be a convenient option. From • Medicines (prescribed) treating flu and fevers to caring for migraines and • Optometrist allergies, you can chat with a doctor 24/7. • Stop-smoking programs • Therapy • From your mobile device, tablet or • Weight-loss program (prescribed) computer • Wheelchairs • Connect with a doctor by phone or video • Wigs (prescribed) • Get prescriptions, if needed Investing your HSA • Save up to $1,900 in comparison to the ER Did you know that you can invest your HSA funds if Cost: you have $2,000 or more in your HSA? Here’s some • $50 on the HSA info: • $25 on the Traditional Plan • Once account balance exceeds $2,000, you can invest any amount over that initial Tips $2,000. • Download UHC app • Self-directed to Advisor Transacted options Complete a brief medical history anytime at myuhc.com/virtualvisits • 23+ Mutual Fund Options There are 3 service options to expand access, no coverage differences • Low Investment Load myuhc.com and UHC app Go to www.healthequity.com to learn more information about investing your HSA or about an • Search for Providers HSA account. • View Claims • Health plan ID Card • Check deductibles and out-of-pocket maximums myHealthcare Cost Estimator • Check costs of over 400 services with providers and locations • View on myuhc.com or the UHC app Connecting with your UHC medical plan Whether you need to find a provider, figure out how much your healthcare will cost, or don’t want to leave the comfort of your home to get care, UHC has options for you!

UHC Behavioral Health Benefits Virtual Therapy Included with your UHC medical plan you have Reaching out may be hard—especially if you might access to these behavioral health benefits to not want anyone to know you’re hurting. From support those covered on your plans’ emotional the privacy of home and the convenience of your well-being. mobile device or computer, you can receive caring support from a licensed therapist. Behavioral Health Solutions Sign in or register on myuhc.com. Then, go to Find With Behavioral Health Solutions get connected to Care > Virtual Visits Directory > Virtual Behavioral self-help digital tools, behavioral health providers Care > Get Started (in-person or virtual) and other resources that can help with a variety of concerns such as: Virtual therapy offers confidential counseling and includes: • Depression, stress and anxiety • Relationship difficulties • Private video sessions • Coping with grief and loss • Get 1-on-1 support—in your home and at a • Alcohol and drug recovery • Medication management time that’s convenient for you. • Compulsive habits and eating disorders • Help with coping — for children, teens and Sanvello adults Sanvello is an app that offers clinical techniques to • Your licensed therapist may provide a help dial down the symptoms of stress, anxiety and diagnosis, treatment and medication if depression — anytime. Connect with powerful tools needed. that are there for you right as symptoms come up. Stay engaged each day for benefits you can feel. • Similar standard of care as in-person visits Escape to Sanvello whenever you need to, track • You can see the same therapist with each your progress, and stay until you feel better. How to sign up for Sanvello appointment and establish an ongoing relationship. 1. Download and open the Sanvello app Virtual therapy is designed to help treat conditions 2. Create an account and choose “upgrade like: through insurance” • ADD/ADHD 3. Search for and select United Healthcare • Anxiety then enter the information on your UHC • Mental health disorders medical insurance card • Addiction • Depression Questions? Email [email protected]

culture Corner Employees THEN and NOW people’s spirits and she enjoys encouraging people to participate in trainings and bingo. Thanks for Our employees are the Key to our Success at CCM. sharing your ray of sunshine with others Kaylee! Watch this THEN and NOW to walk down memory lane and see some employees at the beginning of Communicating with their careers with Castle & Cooke and what their life Remote Team Members is like now! Watch HERE! Sometimes those who are not in office can get the Spirit Week: “out of sight, out of mind” vibe from others. Most Who’s YOUR teams have at least one team member that is Superhero remote, so we all have an opportunity to support virtual team members. Here’s a few tips on how We celebrated our to Openly Communicate with those who are not employees during Castle physically in office: & Cooke Mortgage’s Spirit Week. Thank you to • Establish a schedule for team meetings. those who participated or Consistency and predictability create stability. donated blood to the Red Establish a norm for one-on-one meetings, Cross on our Superhero Day. Nicole Borkoski Sr. Loan group events, and more! Assistant at Denver CO shared this, “My superhero is Dawn King, and my shirt has her face on it.” • Use Video to Communicate. So much of communication is nonverbal ques. Turn that Meet a Culture Ambassador camera on and SEE your coworkers. Along with being the • Record important meetings. Having virtual marketing project meetings makes it so much easier to record specialist, Kaylee and share meetings – great for any team Haro is also a culture member out of the office. It also makes it nice to ambassador supporting be able to rewatch or reference meeting topics the Meridian, Oahu, in the future. and Marketing teams. She chose to be an • Create space for team bonding opportunities. ambassador because Carve out time on a regular basis to bond with she believes bringing your team and build morale. Here’s a few ideas: positive energy to the Join BINGO as a team, have a team trivia night company can help liven or virtual team happy hour, or have a monthly eat lunch and chat on ZOOM. Scale back and start smaller if you need to as well with 5-10 minutes of bonding time during team meetings. • Regularly ask for employee feedback. Make sure your team is empowered and satisfied with their day-to-day work. Invite feedback. Openly communicate by asking questions and be open to hear the authentic responses. Check out “Best Practices for Remote Collaboration” for some additional ideas as well as indicators of successful remote collaboration.

ServBank: Our new sub-servicer CCM entered into a contract on December 5,2022 with ServBank (formally TMS) to replace LoanCare as our Sub-Servicer.  We strongly believe that ServBank will enhance our levels of customer service and support, improve our default and loss mitigation servicing, and allow us to start private labeling our sub-servicing.   • CCM began sending all newly originated, servicing retained, Conventional loans to Servbank at the beginning of July and the first loans are officially active on the new system. • CCM will transfer our existing portfolio from LoanCare to ServBank on September 1 (Conventional) and September 5 (Govie). • Boarding of newly originated Govie loans at Servbank to be announced prior to the bulk transfer on September 5. • Servbank will private label our servicing: • Billing statements in CCM branding. • Loan Officer photos and contact information will be added to the billing statements in the next few months. • When a borrower calls Customer Care, they will be greeted with “Castle & Cooke Mortgage.” The new payment website is live: https://ccm. servicingdivision.com/ On the next page is a table of Customer Care Contact Information for you to reference. If you have additional questions, please contact Alyssa Bunch or email servicing@ castlecookemortgage.com

Castle & Cooke Mortgage Servicing Regular Payment Address Castle & Cooke Mortgage LLC Overnight Payment Address P.O. Box 650094 Written Correspondence Dallas, TX 75265-0094 Qualified Written Request Mortgage/Loss Payee Clause Castle & Cooke Mortgage LLC ATTN: Cashiering 3138 E Elwood St Phoenix, AZ 85034 Castle & Cooke Mortgage LLC ATTN: Customer Care 3138 E Elwood St Phoenix, AZ 85034 Castle & Cooke Mortgage LLC ATTN: Customer Care Escalation 3138 E Elwood St Phoenix, AZ 85034 Castle & Cooke Mortgage LLC ISAOA/ATIMA P.O Box 1194 Springfield OH, 45501-1194 Loss Mitigation Department Email [email protected] Loss Mitigation Department Fax 888-292-5541 Payment Portal CCM.servicingdivision.com Customer Care Contact CCM.servicingdivision.com– New Message Center Third Party Payoff Request https://mortgage.servicingdivision.com/Payoffs Verification of Mortgage Email CCM.servicingdivision.com– New Message Center Main Toll Free # 855-630-2619 Main Fax # 888-214-4255 800-243-4417 / 800-243-4417 Assurant (General) / Customer 800-243-4482 / 800-243-4482 Contact 844-847-3084 / 844-899-3714 Assurant (Disaster Claims) / Cust Contact CoreLogic / Customer Contact Refinance 866-461-7101 Hours of Servicing Operation M-F 8AM - 9PM EST, Saturday 8AM - 12PM EST

EMPLOYEE RECOGNITION We have four company-wide employee recognition programs that are each geared toward providing recognition in different & important ways. Learn more on CCM Connect. (Departments > Employee Recognition). KUDOS A KUDOS of HOME is an opportunity to provide a shoutout, appreciation, or recognition to anyone- anytime. You are welcome to submit a KUDOS for someone outside of CCM (ie: a client, agent, etc) and we’ll email the Kudos from CCM-Culture to the recipient. Send a Kudos! HOME Value of the Quarter Recognition Each quarter Managers, VPs, and SVPs can award someone on their team who Embodied the Value of the Quarter. Peak Performer Employees can nominate eligible individuals (corporate staff with one year of employment) to receive recognition as Peak Performer of the month. Two employees receive recognition as Peak Performer each month (1 via Branch vote and 1 via Corporate vote). Nomination comments are given to all nominees on a monthly basis. Nominate a Peak Performer today! Summit Club The Castle & Cooke Mortgage Summit club recognizes top performing employees on an annual Summit Club trip. Loan officers, branch managers and processors qualify to attend. In addition, two randomly chosen Peak Performers AND one individual is invited as the President’s Pick. Trip location changes location each year. Check out the 2023 eligibility requirements.

WINNERS PEAK PERFORMERS! PEAK PERFORMERS! KORI ASHLEY SEELY COLLINS VP of Quality Control Closer JULY 2023 JULY 2023 Corporate Vote Branch Vote Kori Seely works effortlessly behind the Ashley Collins continues to be a CCM rock- scenes to help CCM avoid problem loans. star. Her flexibility makes closing/funding at Resolving loss MIT loans is a huge re- CCM one of the best and her goal is evident, sponsibility and she is so good at tackling to close more loans. When interacting with anything that comes her way. She has an Ashley, you’ll feel that she has your back. amazing attitude and works well with each She is always ready to help and make oth- branch. Congrats Kori! ers shine! Way to go Ashley! Branches ($4m or more) loan officers (5 or more loans) Processors (top 5) Branch Volume Name Units Volume Name Units 17 $3.99M S. Ogden $7.2M Bryce Magill 11 $4.7M Heather McCormick 24 75% Draper $6.9M Rodney Jones 10 $3.9M John White One Touch Nashville $5.4M Jessie VanWagoner 8 $3.2M Michelle Lynch Las Vegas $4.3M 7 $1.3M Amanda Church 22 Blair $4.2M Jodie Luke-Carter 5 $1.9M Dusty Coleman 21 Jennifer Urdiales 5 $1.4M 18 Joe Massey 5 $1.2M 15 Guadalupe Valencia Brett Cavazos 10 Tara Holtorf

Quality Control The Quality Control is a small group that loves animals. We had decided to contribute to the care of animals prior to the fund raiser that CCM did as a whole. We all did different but similar things/pieces and delivered to a location near each of us. Kori made 8 blankets, took 2 animal carriers, and can and bags of food to her favorite vet clinic here in Salt Lake. East Valley Veterinarian Clinic and Dr. Michelle Bartholomew have taken care of Kori’s animals for many years and are always in need of supplies to help others that struggle with pet care and costs. Leslie made 8 blankets and dozens of dog toys and delivered them to the Long Beach Animal shelter. JeNean made 14 blankets, 8 sock toys for dogs and 2 dozen cat toys and delivered then to the West Jordan Animal Shelter.

Denver, CO Team Massey in Denver CO made 46 activity bags for the children being cared for by the Can- cer Center at Children’s Hospital at the Anschutz location. “We were excited to be part of making a child’s day even in the most uncomfortable of situations and to contribute to the mission at Children’s hospital.” – Emily Jacobs, Loan Officer Assistant. The Children’s Hospital mission statement is “To improve the health of children through the pro- vision of high-quality, coordinated programs of patient care, education, and research and advo- cacy.” So, what does a mission and a vision have to say about treating a child that is going through can- cer? A lot. Because while a new parent doesn’t sit down and write a mission statement, they will surely realize the importance of their new role. Having the responsibility and care of another’s life, another’s future, can feel daunting. And, ultimate- ly, incredibly rewarding. The Children’s Hospital of Colorado takes to heart their role—their responsi- bility in the care of a child’s health and well-being. They stand by their values in all they do: “For a child’s sake... We are a caring community called to honor the sacred trust of our patients, families and each other through humble expertise, gener- ous service and boundless creativity. ...This is the moment.”

CFPC Though the Closing, Funding, and Post Closing one on the team acts around new animals. Lots of teams were nervous, they went out to take care of funny moments of people squealing either from some llamas for their Castle Cares project. Despite the animals chasing them for treats or spitting in their nerves that they would get spit on, they were their general direction because they were unhappy excited for an adventure to spend a few hours car- with being groomed. It’s a great service to help the ing for these cute animals. The CFPC team got to animals but also build our team dynamic and get walk, feed, and gave the llama’s a much-needed everyone together for a new experience.” hair cut!     Missy Atencio: “The llama experience is a once in a Here are a few things about their time: lifetime thing to say the least! As a human person I   don’t much enjoy people in my personal space, so Lacey Lauber: “The memory I remember most I am sure the llamas felt that way too as we were about the Llama visit was when Ashley and I took sheering them, but I am sure they appreciated it a bucket of feed to the top of a hill and had to call in the end as it helps cool them off a bit. They are for the llamas to come over. They all perked their pretty big animals and a little scary when they heads up and started running towards us. There make a quick stance on us.” :) was no fence separating us, so it was a little intim-   idating. They were so excited to have the treat we Ricci Wahlquist: This was her idea, and she was had for them! haha” super excited to go! It was so sad when the day   came, and she wasn’t able to attend. To make her Ashley Collins: “Our trip out to the Krishna temple feel better her teammates let her know she would was great! It was a fun and different experience have hated the smell and the dirtiness. What good and I felt like we helped the lady that ran the farm teammates! a lot. I want to say she was like 85 years old. It was   fun to bond with the team over almost getting Giselle Hatch: “Our Castle Cares project with the kicked by a llama!” ;) Llama’s was a great experience, there is nothing like   dodging kicks and spit to really bond a team. Some Cindy Soper: “It was super fun to hang out with our of us may have come out of that place with some team. No body was like “oh hell yes I love this” but bruises but it was a lot of fun and we had some we all did our part. Laughed our heads off, and the laughs.  I think it is something everyone should try lady who ran the place was a no-nonsense kind of at least once.   Fun fact is apparently llamas don’t lady. She knew her stuff and we jumped in to help like electric shears because the shears get too hot her. Great time with great people! and are loud for the animals, so it took 4 of us at a   time to try to cut all of their fleece off of them down Adrienne Rizzuto: “I thought this experience was to about an inch and a half with only a couple pairs truly one of a kind and really shows how much of scissors.” effort goes into something as simple as grooming Llamas can go a long way in regard to comfort for the animal. It’s also hilarious to see how every-



Employee highlight Emily Jacobs Loan Officer Assistant I have worked for Castle & Cooke Mortgage since April of 2020, which yes was the most interesting time to be changing career paths. Previously, I worked in various rolls in education. My family consists of my husband, two kids ages 23 and 21, my two dogs, and I can’t forget my many fish. I have many passions but my top three are fit- ness, gardening, and learning. I love many forms of fitness, but my favorite is CrossFit. I have been doing CrossFit since 2009 and am currently a level 2 CrossFit coach at a local gym. My garden consists of 10 raised garden beds roughly 8x2x4. Currently, I have zucchini, squash, various pep- pers, tomatoes, lettuce, spinach, green beans, snap pea, and well I will stop because there are different 21 fruits or veggies filling my raised beds. To keep learning, I am always reading something or researching. The last book I read was Endure: Mind, Body, and the Curiously Elastic Limits of Human Performance by Alex Hutchinson but also love learning. I listen to various podcast, YouTube, or any good sources to gain something new to grow my perspective of the world. Fascinating Fact: My favorite quote and a motto that I live by is “You gain strength, courage, and confidence by every experience in which you really stop to look fear in the face. You must do the thing that you think you cannot do.” By Eleanor Roosevelt.

Employee highlight Liz Newey Commissions Manager Professionally, I started with CCM back in 2016, and am approaching my 7-year anniversary. I completed my bachelor’s degree in business management with an emphasis on HR and started with CCM in the HR department. After a few years in HR, I transferred into accounting where I am currently working as the Commissions Manager. Each pay period I calculate the compensation for our entire sales team, as well as the sales support individuals. In addition to managing all commission calculations, I manage a variety of general accounting duties. On a personal side, I was born and raised in Utah and own my own home here. Over the last few years, I have been spending time knocking things off my travel bucket list. I love traveling and seeing new places, I most recently spent a few weeks exploring Fiji and New Zealand. I’m always planning the next adventure and love seeing new things! I have two dogs that I absolutely adore. Penelope is a 9-year-old lab mix and Daisy is a 7-year-old corgi mix. I spend most days after work with my dogs, friends and at the gym. I love spending time around the ocean, checking out local breweries, coffee shops and attending concerts. Summer is my favorite season, where my weekends are typically spent in the sunshine with a beer out on the water…. whether I am out paddle boarding, tubing the rivers, boating or being at one of Utah’s many lakes or reservoirs. Fascinating Fact: I have been a vegetarian for 17 years!

Employee highlight Melissa Gates Marketing Systems Administrator I’ve been with Castle & Cooke for a little over My motto can be summed up with my two two years. I do my best to keep our marketing favorite quotes: “Even if you fall on your face, systems and website running smooth for you’re still moving forward”, and “Nature does everyone! It’s been a change for me to be in a not hurry, yet everything is accomplished”. These technology role after spending most of my life quotes help remind me that failure is a part of known for art. Once upon a time I was the visual success, and quality is more important than arts “sterling scholar” for my Utah high school. speed. Recently, I’ve been spending my evenings creating new artwork again after years of burnout, and it’s been a lot of fun! I got married in March of this year, and my husband is learning to be a cat owner for the first time in his life. My cat Ziggy has been my little buddy for almost 8 years now. Something I enjoy is playing board games with family and friends. A few of my current favorites are: Trogdor the Burninator, Tokaido, and Splendor. In addition to board games, my husband and I also have a quite a few nerdy plushies and Lego sets. Being surrounded by fun items helps our space feel cheerful. Fascinating Fact: My first date with my husband was at the end of my first week here to celebrate my new job. We had a nerdy wedding reception, and as part of our decor we ended up buying almost 1,000 dice!

capital markets/ Secondary You may have wondered… Just what DOES the Each day is also filled with: Capital Markets/ Secondary team do? Well, our incredible Castle & Cooke Capital Markets • Assisting with rate locks team is responsible for analyzing and launching • Generating rates daily new Products, assisting with all related lock desk • Helping with loan scenarios questions and processes, and being available • Answering product questions to help each LO and Processor by responding to • Setting branch margins issues and questions. • Analyzing funded loans And, last but not least… The Capital market team helps to ensure profitability! Without our Secondary team we wouldn’t be in business. Let’s get to know the faces behind the Capital Markets/Secondary team! Danny Jasper, EVP Capital Markets: Danny has been with CCM for 9 years. He is originally from California and moved to Utah in 2014 with his wife Beth and his 3 children: Harper (11), and Mason and Miles (identical twin 6-year-old boys). In his time off, Danny enjoys adventures with his family, sports, and traveling. Keeley James, Product & Pricing Manager: Keeley’s started at CCM 11 years ago. She is originally from Michigan and has a 17-year-old son Owen who is getting ready for his senior year in High School. In her time off, Keeley enjoys hiking in the Utah Mountains with her dog Cedar (CCM’s unofficial mascot), exercise, and new “adventures”. Cristian Bernal, Secondary Specialist: Cris has been with CCM for about 3 years. He’s a Utah native and has 5 kids from ages 8-18. Cris enjoys movies, concerts, and a good night out on the town.