August Connections

Spotlight: Are you Compound Effect & Ready Success Page 4 Back to School Activities for YOU Page 12 Summer Challenge Milestones of Motivation Page 16 Employee and Team Highlights Page 18 BACK TO SCHOOL AUGUST 2022

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 06 July By the Number$ 07 HOME Value of Focus Rick Cardillo | President/CEO 08 Employee Recognition Jim Modrycki | SVP Production 10 Castle Cares: Denver, CO 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 & Employee Engagment Manager Brittnee Talley | Designer 11 Castle Cares: Servicing 12 Back to School Activities for YOU 15 HR Message 16 Summer Challenge Milestones of Motivation 18 Employee and 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

Birthdays Anniversaries Welcome Keeley James, Sept. 1 Joni Stucki, 17 years Brian Morton | Loan Officer Colleen Fisher, Sept. 1 Greg Price, 13 years Cassandra Mills | HR Manager Daniel Prada, Sept. 1 Nick Weber, 8 years Dustin Ericksen | Loan Officer Fernanda Guzman, Sept. 1 Vickie Harris, 7 years Shawn Dobson | Loan Officer Pam McDonald, Sept. 5 JeNean McKellar, 6 years Stephen Butler | Loan Officer Danny Jasper, Sept. 7 Michelle Lynch, 6 years Cindy Soper, Sept. 10 Randy Bunn, 5 years Shawn Dobson, Sept. 11 Richard Webb, 4 years Caleb Cannon, Sept. 14 Lori Kodama, 3 years Shelveen Prakash, Sept. 15 Samantha Beeson, 3 years Dusty Coleman, Sept. 17 Kristi Fuller, 3 years Karen Maystead, Sept. 18 Jim Modrycki, 3 years Keidi Stewart, Sept. 18 Stefanie Godinez, 2 years Missy Atencio, Sept. 20 Travis Baltes, 2 years Randy Bunn, Sept. 20 Sean Trease, 2 years Kirstin Grazulis, Sept. 21 Brittnee Talley, 1 year Kathy Provost, Sept. 24 Adrienne Rizzuto, Sept. 26 Giselle Hatch, Sept. 29

executive insights Dear CCM Team, appreciates”. In Darren’s book he gave an example that he wanted to improve his Have you ever wondered what success looks like relationship with his wife. Rather than pointing or why some people are successful, and some fingers at things she was doing wrong, he are not? Read on about how you could attract chose to write one item down a day that he was more success in your life by making some small grateful for about her. This helped him see the choices. positive and helped improve their relationship. I started on a personal development journey a My challenge to you: start a gratitude journal. little over 4 years ago. I strongly believe that if we Before you go to bed write down 3 things that you want to improve in life and to start the day off are grateful for that happened that day. Bonus: right, personal and professional development is write down 3 things you noticed about yourself a MUST! I have found that there can be a lot of each day. Watch how your thoughts change. negativity and fear in the world and in order for us to grow and learn we need to place positivity OWNING 100% into our mind. This is the difference between successful and One of my favorite mentors to listen to not successful—be 100% accountable for what is Darren Hardy. He recently issued the happens to you. I know you may think you take #GetOutsideAndGrow challenge, which was to responsibility for your life, but think about if read or listen to his book, The Compound Effect, in you have ever blamed traffic for being late, or one week. Now, I must admit I did not get it done decided you are in a bad mood because of in a week, but getting it done is what counts! The your kids, partner, or co-worker? “You alone sections about choices, owning 100%, and habits are responsible for what you do or don’t do, or were the most impactful chapters of the book for how you respond to what’s done to you.” This me. empowering mindset changed Darren’s life. No matter what position you are in at CCM or HABITS what your goals may be, I know many of the actions he discussed can make a large impact 95% of our habits our automatic, like brushing on your life and success. So, I wanted to share your teeth. We do it day in and day out without these with you today and give you the same thinking about it. This is how our brain functions. challenge–to listen to the Compound Effect, even We can have good habits and bad habits that if that means for 5 - 10 minutes a day. Jump- start your day and see the success that follows! Why? Because it’s all about the small choices we make each day—The Compound Effect. CHOICES Each day we make choices and decisions. Some are conscious and some are not. How can we activate our brain to pay attention to the choices we are making and turn those into productive habits? It’s time to WAKE UP and make EMPOWERING CHOICES. I love this quote “What you appreciate,

are automatic. The difference between average Alright now that you have killed those bad and successful people, is that successful people habits, lets replace it with techniques for have great habits of learning and growing installing great habits, so you can set yourself constantly. up to succeed! SO HOW DO WE CHANGE SOME OF THE HABITS THAT 1. Set yourself up to succeed – your new HAVE BEEN ENGRAINED IN US FOR SO LONG? habit has to work inside your life and lifestyle. Be realistic. Start small. 1. The first step is to identify the habit Identify one area that you want to improve, 2. Think addition not subtraction. Think what maybe that is your nutrition, your finances, you are adding to your life not subtracting. the amount of loans you are closing, or your relationship with friends or family. 3. Go for PDA - Public Display of Accountability. Make it known with what 2. Then, it’s all about tracking. your new habit is This is how you are going to become aware. For 1 week write down everything you do in 4. Find a Success Buddy. Work together and that area. So, if you want to improve your set a time each week to meet with a friend finances, write down every cent you spend on on how it’s going with your new habit. anything, yes this includes amazon too. When I did this, I was amazed. Also if I knew I had 5. Competition & Camaraderie – It’s always to write it down, then I thought twice about great to have a competition along the actually spending money on it. way- track those steps. 3. Write your goals and identify your why. 6. Celebrate- Celebrate the small victories This is going to help identify your why power and when you achieve your habit, have a or your MoJo. CHANGE IS HARD. In order to BIG celebration. change something, you have to have a strong WHY power to change it. Remember, change is hard. What separates a. Write down your goals in three areas of extra-ordinary from ordinary is the extra- your life. ordinary do the hard things. Be the extra- b. Then identify the WHY behind these goals. ordinary and choose a habit that you want to It needs to be a strong why, peel back your change. Be patient to yourself. Creating new onion. For instance, simply saying I want to habits will take time. If you fall off the band make more money, is not strong enough. wagon, brush yourself off. When you press on, Ask yourself WHY do you want to make you will receive huge payoffs. Remember that more money. Rather than asking yourself one habit can a have huge impact because of “how do I get there”, ask “who do I need to the COMPOUND EFFECT on your life. become to get there”. Once you do this, you can have massive NOW THAT YOU HAVE YOUR GOALS AND YOUR WHY momentum and acceleration, this could POWER- LET’S ELIMINATE THOSE BAD HABITS! lead to more loans closed, more growth Here are some great strategies that Darren listed. opportunities, more happiness and more success in your life. You got this, carry through, 1. Identify your triggers for bad habits. Write carry on, empower yourself and CREATE YOUR down ones that you want to change. SUCCESS all from one small choice and let the COMPOUND EFFECT work for YOU! 2. Clean house- get rid of them all. So, if you want to improve your nutrition- get rid of all I would love to hear about your stories, what the junk food in your house. YOU DECIDE to act on from this and your SUCCESSES! Talk to you soon. 3. Swap it – swap it for something better. If you want to watch less TV, choose a hobby you ALL THE BEST, are going to pick up. 4. Ease in – you can start slow at first, and it’s okay there may be bumps along the way. 5. Then jump in.

by the JULY NUMBER$ “There’s no other way to say it…July was a rough month. We funded $50 million in production, which was our lowest month in a very long time” said Rick as he started his Coffee with Cardillo call. He continued, “but it is important to note that this is an industrywide issue and not specific to Castle & Cooke”. In fact, Rick explained how many other mortgage lenders have struggled recently to make ends meet with the slowdown in production. Including several lenders going out of business or closing down an entire channel to offset heavy losses. “The good news is that we are built to weather this storm and have several strategies in play to make sure we continue to be well positioned for the months ahead.” Rick brought up some positives from our July results: • 80% of our funded production were purchase transactions which is our greatest strength. • 26% of our funded production were government loans, which is a trend we believe will likely continue and is good for our bottom line as government loans carry a higher revenue than conventional. • Majority of our July loans have been sold as service released because that brings more cash to the company, which is important right now. Moving forward, our overall strategy will continue to be keeping the retention of the loan servicing as much as we can in the future. • Rick also highlighted that some of our key August indicators were favorable in hopes that we will have a rebound month where we are already seeing signs of interest rate stability and an increased housing inventory…two very important factors for the normalization of our business. “We know what we need to do to get through this current environment” Rick stated as he continued with his transparent detail of the company’s plans. “We have done a very good job of cutting costs to ease the pain of less revenue. We are looking to sell a small portion of our servicing to generate cash that will keep us in a strong financial position. We are developing new product opportunities to help our originators grow back their businesses. And we are strategically adding new originators and branches that we expect to bring additional revenue to the company”. Rick finished his call by thanking everyone companywide for working so diligently through adversity and again called for the team to work together as we fight the headwinds that the industry is facing.

Q3 Best Playlists for Workouts Motivate Everyone There are too many great songs for workouts that we needed to give you some Spotify’s best Each month in Connections, we focus on the workout playlists. value of the quarter so we can learn more about it, practice it, and embody it! • Workout Q3 is Motivate Everyone. • Power Workout • Throwback Workout Music Boosts Motivation • Yoga & Meditation Throughout any given day, there are times when Best Songs to Help Calm Down we need some motivation. Music is a powerful neurological tool that can help change our mindset Rough day? Stressed? We’ve all been there. and mood. Check out these motivational songs to Listen to some of these songs to help when listen to in these different situations. What is your feeling overwhelmed. go to song when you need a little motivation? • Betty - Taylor Swift Best Songs To Wake Up To • What A Wonderful World - Louis Armstrong • 3 Things - Jason Mraz • Viva La Vida - Coldplay • Shut Up and Dance - Walk the Moon • Wake Me Up - Avicii • On Top of the World - Imagine Dragons • Walking on Sunshine - Katrina & The Waves Need more ideas? Check out these top 20 spotify songs to wake up to. Best Music for Productivity Give a Kudos card to someone for on-the- spot recognition for living one of CCM’s values. Need to put your head down and be Kudos cards can be found on CCM Connect > productive? Backed by science, these are Departments > Kudos of Home or at at this link. recommended playlists for when you need to boost productivity. Share with us who received the Kudos by emailing [email protected] before • Classical Music September 30th and be entered to win some free • Video Game Soundtracks branded swag. • Nature Sounds • White Noise

EMPLOYEE RECOGNITION What is it? Who should be nominated? Our Peak Performer and Rookie of the Month • If you have a coworker who’s gone above programs are your chance to show fellow employees how much you appreciate their and beyond on a recent project, hard work. These programs highlight the best nominate them! of the best on both the corporate and branch level, and they’re a great way to embrace our • If someone from another department company culture. helps your team, nominate them! Rookie of the Month • If your manager or colleague taught you a If you’ve been with Castle & Cooke Mortgage for less than a year, you can be nominated skill that makes your job easier, as a Rookie of the Month! We recognize two nominate them! employees each month during Coffee with Cardillo, regardless of location. Peak Performers If you’re selected, you’ll get movie ticket To be nominated as a Peak Performer, you must vouchers and a sweet hat! have been with Castle & Cooke Mortgage for at least one year. Each month, we recognize two VOTE HERE! Peak Performers during Coffee with Cardillo: one voted on by branches and one voted on ROOKIE OF THE MONTH 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! Did you know Castle & Cooke Mortgage is one of few mortgage companies that invites non- originators to the annual awards trip? VOTE HERE! PEAK PERFORMER

WINNERS Corporate Vote Corporate Vote Mckayla Christenson is the closing Janice Bowman, Sr. Loan Processor, is team lead and is one of this month’s “amazing at her job”. Janice is being Peak Performers. Her team and recognized by her peers as one of this coworkers appreciate her ability to month’s Rookies of the Month because dig to find answers, the wealth of she goes above and beyond with a knowledge that she has, and her ability positive attitude, is a pleasure to work to go the extra mile for her team. with and her commitment helps the Thanks for all you do McKayla! company every day. Keep it up Janice! Branch Vote Branch Vote Funder, Cindy Soper is one of this month’s Justin Mullen is being recognized as one Peak Performers. She was nominated of this month’s Rookies of the Month. because of her prompt service and As IT Security administrator, he does attention to detail. Cindy is a go-getter a great job in solving tech issues. One and those around her say how much they nomination stated that Justin “listens to love working with her. Way to go Cindy! the issues described in non-technical terms, asks questions, and then searches out appropriate fixes.” Great job Justin!

Denver, CO We were able to volunteer a few hours (2-8 pm) of our time to assist families in need at the Ronald McDonald House – Denver. We had the privilege of preparing a delicious dinner – salad, orange chicken, egg rolls, rice, and cookies! Serving the families at the Denver House Location was such a pleasure! To give them a home-cooked meal that they could enjoy with their children and family members was great! And to observe smiles of gratitude as they share their courageous stories with us, it was a pleasure to help them with taking dinner plans off their to-do list.

Servicing We wanted the opportunity to serve those in need, especially other Women in our community. The Geraldine E. King Women’s Resource Center provides meals for up to 200 women who are We helped prepare and serve lunch to those experiencing homelessness. As a meal service experiencing homelessness in Salt Lake. It was volunteer, you are tasked with providing positive a great experience interacting with the Clients community engagement and helping us meet and knowing that we were making a positive nutritional needs by serving meals to our female contribution. clients.

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Read A Story Do you remember circling around your teacher and listening to a story be read to you? I’m not so sure I’d love to sit on the floor criss-cross-applesauce and listen to a book… but maybe snuggled up on the sofa with a cozy blanket. Yes please! What’s your favorite book to read? Find it! Read it! Take A Test Now now, this is not talking about your AP Bio end of year test (Yikes. That’s stressful). I’m talking about take a personality test! Even better, take the quiz with your partner or a friend and chat about the results. Some of my favorites are the DISC Personality, the Enneagram Personality, or the 5 Love Languages assessments. Make an After School Snack What was your favorite after school snack from when you were in school? I personally always loved pizza bites or a bowl of cereal. It always made my day though when my mom made a batch cookies! Need some new cookie ideas? Check out these 28 Easy Cookie Recipes to Enjoy After School. School Photos Maybe you liked getting your picture taken at the start of the school, or maybe you didn’t. But when was the last time that you got family photos? Or even a professional headshot? If you need a sign to get some new photos… this is it!

All About Me Learn more those around you with this “All About Me” page. (Straight from your 3rd grade teachers lesson plan ). Do it together as a team or with your family! It is sure to spark some conversations. Get a PDF version HERE.

Fall enrollment HRMessage is coming soon! To learn more about these benefit options, you can Fall is coming upon us and that means Open view them in the Benefits Guide. Enrollment is coming too! Open Enrollment will be in November. Now is a great time to review Other Great Benefits your dependent’s information in ADP, review your benefit elections in ADP and think about if there are Real Appeal: This free digital platform through UHC changes you would like to make for 1/1/2023. More helps you lose weight and keep it off for good. More to come as we get closer. info can be found on page 12 in the Benefits Guide. Even though this month is only highlighting a Rally Health: This free app through UHC provides couple of benefits, you can see a Quick Guide to recommended missions to improve your diet, Perks & Benefits or your Benefits Summary in CCM fitness, and mood. Want to learn more? Check out Connect. If any questions arise, do not hesitate to page 11 of the Benefits Guide. email [email protected]. Medical, Dental, Vision, and other Enrollment Options Medical, dental, and vision insurance benefits are BHS Online EAP: This employee assistance program available to eligible employees. offers free consultations, training, and support for financial, mental, and relationship wellness. Did you Medical Insurance know they can also help with childcare and adult care resources or writing a will? (Username: CCM). Mainland medical benefits are through UHC and Click here to learn more. include two plan options. 1. High Deductible Health Plan (HDHP) Annual Incentive Program: Our President & CEO, Rick Cardillo announced earlier this year a new • If you are enrolled in the HDHP then you have annual incentive program that provides eligible employees the opportunity to receive an annual access to an HSA as well, which we make large incentive based on if CCM meets/exceeds the field contributions to twice a year! operating income plan for the year. Learn more HERE. 2. Traditional Co-Pay plan Bereavement Leave: Our bereavement Policy was If you are in Hawaii, your plan is through HMSA. enhanced this year to include a day of paid leave for the passing of an extended family member Dental Insurance (aunt, uncle, cousins, nieces & nephews). You can find the bereavement policy in the benefit summary Dental insurance benefits are through Cigna. Did on CCM connect. you know this covers orthodontics as well? Vision Benefits Vision benefits are offered through UHC. Have you Meeting Free Friday Afternoon: To support your ever thought about getting Lasik? Check to see if work, life balance, and your overall wellness, we your enrolled plan covers it! Learn more HERE. celebrate that Friday afternoons are meeting free. Managers & teams, please refrain from holding Additional Enrollment Options meetings on Friday afternoon. (optional) You also have an option to enroll in an FSA and a Dependent Care FSA. There are certain IRS restrictions that apply for the FSA.

Summer Challenge Milestones of Motivation The goal of the summer challenge has been to not only help you boost the motivation for yourself... but also to build connection along the road. Prior to the start of the Summer Challenge, CCM teams came together and made videos so that as you walked the path of the summer challenge you could \"meet the team\", say \"hi!\" and foster connection. Be sure to watch and like the videos to show your appreciation for the motivation the teams provided. Motivation Milestone #1 Get hyped to start the summer challenge! You’ll meet awesome teams along the way! Check out the video: https://www.youtube.com/watch?v=R2CuNctH3i0 “Commitment is what transforms a promise into a reality.” —Abraham Lincoln Motivation Milestone #2 You made it to Tennessee/North Carolina border! Watch the video from our Marketing & Compliance departments! Check out the video: https://youtu.be/U_sdcJkKZ0Q “Once you have commitment, you need the discipline and hard work to get you there.” —Haile Gebrselassie Motivation Milestone #3 You made it to the Stuart Florida Branch! Check out the video: https://youtu.be/ML1PWbwiynQ “If Britney can get through 2007, you can get up this hill.” Motivation Milestone #4 You made it to Missouri! Watch a video from our Human Resources & Servicing departments! Check out the video: https://youtu.be/PxuZyitEgbQ “If your body’s not right, the rest of your day will go all wrong. Take care of yourself.” Motivation Milestone #5 You made it to the Clarinda Iowa Branch! Check out the video: https://youtu.be/Xc5OMafM0S0 Regular exercise keeps you healthy. Use the staircase more often! Motivation Milestone #6 You made it to the Blair Nebraska Branch! Check out the video: https://youtu.be/Dkpd4lGtSbM “A good laugh and a long sleep are the best cures in the doctor’s book.” –Irish Proverb Motivation Milestone #7 You made it to the Scottsbluff Nebraska Branch! Check out the video: https://youtu.be/fc5uauZAbHo “It’s no coincidence that four of the six letters in health are ‘heal.”

Motivation Milestone #8 You made it to the Denver Colorado Branch! Check out the video: https://youtu.be/JuY5Q2QJ9n8 “Every fall is an opportunity to refocus.” Motivation Milestone #9 You made it to the Consumer Direct Texas Branch! Check out the video: https://youtu.be/-oYs_u1t8RU “He who has health has hope, and he who has hope has everything.” –Arabian Proverb Motivation Milestone #10 You made it to the Gilbert Branch! Check out the video: https://youtu.be/J821Nya4aK8 “Fight fatigue with focus.” Motivation Milestone #11 You made it to the Peoria Branch! Check out the video: https://youtu.be/L6IUjMGaPXg “He who is not courageous enough to take risks will accomplish nothing in life.” —Muhammad Ali Motivation Milestone #12 You made it to California where we have a few branches! Watch the video from our Corporate Financing & IT departments! Check out the video: https://youtu.be/4aR1s54XzBg “Do you want to know who you are? Don’t ask. Act! Action will delineate and define you.” —Thomas Jefferson Motivation Milestone #13 You made it to the Las Vegas Branch! Check out the video: https://youtube.com/shorts/j4sqTBdyOOA “Allow yourself the opportunity to get uncomfortable.” Motivation Milestone #14 You made it to the Boise Branch! Check out the video: https://youtu.be/4dNQyiNngmk “You can either be sore tomorrow or sorry tomorrow. Which do you choose?” Motivation Milestone #15 You made it to the final stop in Utah! Watch a video from our Underwriting & Closing, Funding, Post Closing departments! Check out the video: https://youtu.be/0tRKE2bphhc “You can have anything you want if you want it badly enough. You can be anything you want to be, do anything you set out to accomplish if you hold to that desire with singleness of purpose.” —Abraham Lincoln

EMPLOYEE HIGHLIGHT Angie Vega • TV show–I can pretty much recite every Underwriter Friends episode…not saying it’s my favorite show… just that I can never get sick of it. Home life: Born & raised in L.A. (westside baby) after During the pandemic, basically ran out of 50 yrs., packed & moved to Southaven, Mississippi shows to watch–so I kind of watched A LOT of with my husband, Carlos & son, Daniel. So, city girl Hallmark movies!! becomes country girl, it was a big change, but I love it here! I now appreciate nature, crazy weather, Life motto: I like to think of myself as a glass- birds & of course, the small-town living (who knew half-full kind of person – always looking for the that I would be waking up early & going to the silver lining in things…even when it’s tough to farmer’s market on Saturday morning?). see because things really do look different in the morning than they do at night! Just got to BELIEVE I’ve been with my husband for 34 years, married things will ALWAYS get better! for 25. I have two grown sons, a 32 yr. old who lives in Des Moines, Iowa with his wife & my 4 yr. old grandson, Ronin. My youngest (my baby), Daniel, 26, also works for CCM. Thanks to Daniel and the summer challenge, I’ve started hiking every weekend. Never & I do mean NEVER did I EVER think I would go hiking…and now I look forward to the weekends. (Don’t get me wrong, there have been a few times that I didn’t think I was going to make it and I told them to go on without me & save themselves, but I am definitely improving!) Work-life: I’ve been in the mortgage industry since 1999, started as a receptionist at a broker’s office… from there I went all the way to getting my broker’s license to selling homes, originating loans, and everything in-between. Favorites: • Baseball, especially the L.A. Dodgers, win or lose–I bleed blue! FASCINATING FACT: I’m a bird watcher. My favorite birds are cardinals. We have a pair of birds that come by our house each day to eat. We’ve named them Red & Wanda (because of her red lips).

Team Highlight: I’m so excited to be able to spotlight closely with company vision: Help our AMAZING HR team! We love more homeowners and employees helping our employees and helping fulfill dreams and build successful them succeed. We all play different tomorrows through refreshingly roles and support our employees in uncomplicated home loan and work unique ways that provide an awesome experiences. employee experience, and we have fun while doing it! Our HR purpose aligns –Katie Evans, SVP of HR

Nena Nena is the friendliest face and greets everyone with a warm hello at the start of Montague everyone’s day! She helps start your day off right. She also is the friendly hello every time you call Castle & Cooke Mortgage. Nena is always suggesting ways that the Corporate company can save money with different processes. We are so grateful and happy to Receptionist have Nena as the warm greeter to our employees, visitors, and customers. Nena loves what she does at CCM: “I get to welcome visitors & Employees on a daily basis. It’s a happy place to be and I try to let people know they’re cared about & valued.” A few interesting facts about Nena: I am the oldest of 6 and I have 5 Beautiful Daughters; I love spending time with My Family, especially those 11 grandchildren! I enjoy working in my garden and feeling the satisfaction of the beauty it creates; I love to study & learn, and travel. Her favorite quote is: “Life is a gift & I love to share it with great people.” Ali has been with us for over a little over a year and WOW what an impact she ALI has made on CCM. From the new hire experience all the way through the employee experience at CCM, she’s involved. She is shaping our culture and CARVER making an impact daily. She is so creative, passionate, innovative, and talented, and truly cares about each of you, our people. Employee Engagement Manager Ali’s favorite part about HR and her role is: getting to meet the new hire employees. We have such great people here and it’s cool to be a small part of helping each new hire to feel like they are part of the team. As far as my role, my favorite thing I’ve been able to do in my time here has been to create a new hire welcome resource guide. I love being creative and that was a fun way to get information to new hires while being able to express my creativity.” A couple of unique things about Ali: “My little family and I just moved out to South Carolina to follow our hearts and go on a little adventure; I love crafting and being creative. I’ve been trying my hand at watercolor the last little bit and love it! Although house remodeling projects are currently taking up all my energy right now. Her favorite quote is: “Stay awkward, braver, and kind” –Brene Brown DAN Dan has been here for almost 3 years, and he radiates positivity and energy! He is TAYLOR always giving KUDOS and is the bright smile and light in people’s day. People LOVE Dan and hearing his voice on training. He has 30+ years of training experience and National Training used to be an LO. The value and experience that he provides to CCM are Manager impeccable. At CCM he trains our new hires on Byte and current employees on various products and processes and designs job aids, which he does a fantastic job at. If you need additional training on a topic- he’s your go-to! His favorite thing about HR is: “I thoroughly enjoy working with new loan officers, helping them understand our systems and our culture. It’s VERY fulfilling to get them set on the right path. PLUS – my team members in HR are awesome!” A few things about Dan: I love spending time with my family – 8 siblings, 7 children, and 14 grandkids! I also love the outdoors: running, biking, swimming (all triathlon sports), and summiting mountain peaks!” His favorite quote is: “’Do or Do Not –There is no Try’” –Yoda

If you have ever wondered who is behind the HR Inbox, Felicia is our first contact FELICIA or if you have ever wondered who is sending out those offer letters and new GUNN hire paperwork and helping onboard our new hires that is Felicia!! Felicia has been here for about 6 months. She provides an excellent onboarding HR Coordinator experienceand she owns the new hire webinar. She is currently running payroll, 401k, and entering changes into ADP and has not missed a beat while Rita has been out on leave. Thank goodness for Felicia’s expertise with payroll, so we all get paid correctly. Felicia is always willing to help out where needed, she provides impeccable customer service. An employee comment was “ I'm ALWAYS greeted with a warm smile even when talking to her on the phone–it comes through as she speaks!” Felicia’s favorite thing about HR: “ I love that I get to interact with our new hires and help with Payroll.” A few things about her: “I Like to be around my friends and family. I am a fur mom to Nike and Onyx. I love going dancing and to concerts” Felicia’s favorite quote: “Failure is not the opposite of success. It is the part of success.” – Unknown If you have wondered who is behind all those agreements, that’s Siera!!! Siera SIERA helps with all our employee changes, agreements, new hires and peak GOMEZ performer, and rookie of the month surveys, and recently has begun helping with benefit questions as well! Siera is an absolute joy to be around. She HR Coordinator radiates sunshine and happiness. She always is looking to do what is right and the best way to help support you! A recent employee comment was “Siera loves and supports others unconditionally. That support shines through in everything she does!” Siera’s favorite part of HR and her role is: “Helping team members access the many great perks and benefits of working at Castle and Cooke! Helping people, in general, is a great perk to this field.” A few things about her: “I love reading and hanging out with my dog.” She also loves helping others. Her current favorite quote is: “It is a serious thing just to be alive on this fresh morning in this broken world,” by Mary Oliver RITA If you ever wondered how you get paid every other Friday- that’s Rita! What an QUINTANA important role Rita plays to you. Her attention to detail is immaculate, I have never seen someone so precise. Rita has been with us for 3.5 years. She is a Payroll & HRIS wealth of payroll knowledge and has over 15 years of experience with payroll. Manager Every day she works hard to make sure things get done. She also helps with 401k, taxes, timecards and other payroll-related items. Rita is currently on leave, but we will be so excited to have her back soon! A little bit about Rita: Rita loves camping, she has a camper and loves the outdoors. She has a daughter that recently moved back here from California that she is very excited about. She loves spending time with her family. Enjoying Connections? Give Feedback

CASSANDRA Cassandra is the newest member of our HR team. She just started and will be MILLS handling benefits, employee relations, overseeing agreements, change requests, and policies and procedures. She will be helping while Katie is on HR Manager maternity leave beginning at the end of this month. We are very excited to have her on the team as she has 13 years of experience in the mortgage industry and 10 years in HR. She is excellent at building relationships and I know she will make a positive impact on the company. She currently resides in Dallas, TX, and will be working out of the consumer direct office in Dallas, TX. Christi is our fearless recruiter for sales! Ever wonder how we reached out to CHRISTI that new LO- that’s Christi! She helps with our recruiting strategy and has so FULLERTON much persistence and grit. She keeps in touch with LOs throughout the onboarding process. She works with our branch managers to reach out to Recruiting Manager different LOs throughout the country. She also helps share recruiting tools with branch managers. What Christi enjoys about Recruiting is “ the different people I get to talk to from all over the country. The different personalities, how they interact, etc. There is never a dull moment when it comes to recruiting loan officers.” A few things about her: “I like to read anything from most genres. My fur babies Luna and Teensie keep me sane. The Office is my favorite TV show, it’s on every night before we go to sleep. KATIE Katie supports the employee experience throughout the entire employee cycle. EVANS This is through the support of our great HR team’s creative strategy of getting the best benefits for our employees, employee recognition, performance SVP of HR management, professional development, and strategy. She wants the absolute best for our employees and wants to see them succeed as a person, and in their careers. What she loves about HR: I love making an impact and a difference for our employees and the organization. I want you to be successful and to provide the best support that we can to help YOU succeed and help our customers have the best experience. I believe if we give you a great experience, you will in turn give our customers a great experience. I love the relationships I have built over the last 7 years at CCM. They are lasting, deep-rooted relationships that are unforgettable. I feel like I have grown up at CCM and am so grateful for everyone here and the experiences that I have had. Also, I have a deep passion for benefits and am a little bit of a benefits nerd. A few things about Katie: “I love personal development and learning each day, we are a very outdoors family ( love hiking), I love running, and I have two daughters and a third daughter on the way and we have a great dane. My favorite quote: I have so many! “When we strive to become better than we are, everything around us becomes better too”

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