June Connections

JUNE 2023 Spotlight: Loan Officer Referral Program Page 6 Broaden Your Horizons...Travel Page 12

Table of Contents 03 Birthdays, Anniversaries, New Hires Castle & Cooke Mortgage 04 Executive Insights Executive Team 05 May By the Number$ 06 HR Message Rick Cardillo | President/CEO 07 HOME Value of Focus Jim Modrycki | SVP Production 08 Employee Recognition 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 10 Castle Cares 12 Broaden Your Horizon—Travel 16 Culture Corner 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 Jul Abbigail Clawson, July 1 John White, 14 years Carlee Chun | Business Heather Brown, July 2 Linda Douglas, 13 years Development Representative Brooke Ahrens, July 3 Jennifer Urdiales, 10 years Craig Brock | Business Jonathan Perez, July 8 Mike Harrison, 10 years Development Representative Michelle Mannos, July 10 Pam McDonald, 10 years Paul Covington | Loan Officer Trent Olsen, July 14 Brett Cavazos, 6 years Reverse Specialist Breen Holmes, July 16 Missy Atencio, 6 years Jim Modrycky, July 16 Samantha Bateman, 6 years Lori Kodama, July 17 Suzi Beaver, 6 years Karina Valencia, July 22 Trish Lorenzo, 4 years Scott Kirkessner, July 22 Bob Little, 3 years Jodi Barnes, July 23 Brian Ricks, 3 years Rick Webb, July 23 Damon Brown, 2 years Job Ormand, July 24 Jodi Barnes, 2 years John White, July 25 Stephen Butler, 1 year Yousuf Siddiqui, July 28

EIxnesicguhttivs e I recently watched the “Air” movie and was re- Continue to provide stellar, best in class service to our minded of this Nike slogan---No excuses, customers and referral sources.  We need to put ser- JUST DO IT!!! vice our competition.  Realtors love our ability to get the loan closed fast.  LOs need to sell that. Loan Officers, especially less experienced ones Keep that positive momentum going. Your hard work need to understand that NOW is the time to stay and perseverance are applauded. in front of your referral sources every day.  Keep marketing for new sources.  Stay in front of your I appreciate all you do, and I’ll say it again, we have former and current borrowers on a regular basis.  the best people in the industry. You need to use all the Marketing tools you have including Total Expert, Homebot and Grow Time.   This is the time to build your foundation so when as things pick up your volume will grow more than your competitors.  If you as a LO gets frustrated now and take your foot off the gas it will be harder for you when rates improve.  Focus on apps, locks and fundings and stay relevant in your market.

by the MAY NUMBER$ The sentiment for the Coffee with Cardillo call in June was quite different from the previous ones… one with positive news and optimism for the summer months!  “I am happy to inform everyone that for the first time this year, we made a profit in our operating income in May” explained Rick.  “This comes after an April where we were close to breaking even and our lead indicators tell us we should continue this trend into summer”.  Rick went on to detail that the company earned over $600k in operating income on a month with 2023 high levels in funded production, locks and applications. CCM funded $48 million, which was $17 million more than we did in May (and we did it with one less business day). As has been the case for most months, the majority of what was funded was purchase money loans, which continues to be our strength.  Although the inventory shortage continues to hamper our business, it is an even more impressive sign that we continue to grow our purchase production.  We had 13 producers fund 5 or more loans in May compared to only 4 in April and we had 5 branches fund $4 million or more compared to only 2 in April.  All great signs that we are on the right track.  Our Las Vegas branch funded 27 loans for $8.5M which were both the highest numbers we have seen for any branch this year.  More great news was that we took in 253 new loan applications which was our best month year to date. While looking to the future with optimism, Rick emphasized that we are still in an uphill battle, and it will continue to take great effort from everyone to keep us heading in the right direction. “We are still facing industry headwinds and we must keep our oars in the water” he explained and continued to detail that the interest rates are still high and keeping potential buyers on the sidelines and keeping inventory low.  However, the fact was pointed out that CCM is doing things to build production in lieu of these issues so we are not totally dependent on a rate drop to boost business.  We are adding products, we are adding Business Development Reps in the field to grow RE Agent relationships, we continue to add marketing strategies to focus on non-purchase business and we are recruiting across the country. Rick finished the call by thanking everyone for all of their incredible contributions in May and just asked that we all keep our focus.  “If we together just keep doing what we are doing, I am confident we will continue to show financial progress!  We are already ahead of May in most important categories, and we expect nothing short of another successful month in June.” 

HRMessage Do you know someone who is a self- generating loan officer? Loan Officer Employee We have some unique support benefits to offer Referral them including: best in class operational support, Program unparalleled marketing and business develop- ment, cutting edge technology, and a culture that Our Loan Officer Employee Referral Program is fosters open communication and collaboration. designed to put some extra cash in your pocket while bringing amazing talent into our CCM family! So what’s in it for you? We know that our employees are the heart and • You would get to work with a friend and make soul of our organization, and who better than you to help us identify exceptional individuals to join money with your network. our team. We understand that the best people of- ten come from trusted recommendations, and we • $$$ - When you refer a Loan Officer and they value your unique perspective on who would be a great fit for our loan officer position. are hired, you receive $1000 and after 6 months of their employment you receive an additional $1000. Steps to participate in the Employee Referral Program Have your connection apply on our careers page, castleiscalling.com Send HR an e-mail with the individual’s name and contact information, and if you are in a branch, let your branch manager know! HR or your Branch Manager can give you qualifications that are needed. Once they start, fill out the employee referral form.

home Value of Focus We create a fun, inclusive environment that fosters Cynthia Cornell of the Institute for Color Research connection by building the walls of HOME. in Chicago explained that warm colors (those with longer wavelengths such as red and yellow) H Have Trust—we stand confident in our integrity and stimulate the heart and nervous system, so we feel excited or anxious. Cool colors (shorter wave- embrace feedback. lengths such as green or blue) ease the brain and are restful. O Openly Communicate—We speak with clarity, listen You may have some emotional responses to colors attentively, and act promptly. based on the memories or past experiences asso- ciated with those colors. Pay attention to the col- M Motivate Everyone—We inspire by providing ors you are drawn to and if you need to change a mood or make a statement, consider using color to flexibility, resources, and recognition. We succeed do so. when YOU succeed. Here’s some common reactions to certain colors: E Explore Possibilities—We grow and innovate by • Red: Draws our notice • Yellow: Cheerful, welcomes us taking action and taking chances. • Orange: Friendly and outgoing • Green: Relaxes, like a calming forest As we continue to work together to build a Culture of • Blues: Invite Peacefulness Connection – we’ll use this space to share upcom- • Purple: Blend of warm and cool, richness ing happenings that foster Connection, articles that teach and demonstrate how to embody our values of royalty and celebrate each other as we do so. • Black: Strong and serious To Change Moods, Spin the • White: Fresh, clean, has an open effect Color Wheel • Brown: think chocolate or coffee – it can be Can you imagine what life would be like without comforting any color? Color surrounds us, affecting us physi- cally and emotionally. And because certain colors Read more in the article “To Change Moods, Spin make us feel certain ways, we can use color to cre- the Color Wheel” on the BHS Portal. Log in Password ate a mood or prompt a response. This happens all is “CCM”. the time with retail stores or at restaurants, but you too can use color in your next email or presentation with a client to see if it prompts action or generates a response!

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! GISELLE KAYLEE HATCH HARO Funding Assistant Marketing Project Specialist JUNE 2023 JUNE 2023 Corporate Vote Branch Vote Giselle Hatch is an operations “jack of all trades”. She is a funding assistant but is Kaylee Haro works behind the scenes to en- also cross trained and able to cover in many sure events are successful and she succeeds! areas. Giselle pays special attention to detail She did a great job with Managers Meeting goes above and beyond in her many roles! in January. She always has a huge smile an Congrats Giselle on being Peak Performer! encouraging attitude and is willing to help others feel comfortable in the marketing arena. You are a superstar, Kaylee! Branches ($4m or more) loan officers (5 or more loans) Processors (10 or more) Branch Volume Name Units Volume Name Units 11 $4.9M Las Vegas $8.5M Joe Massey 10 $1.9M John White 21 Draper $5.9M Bryce Magill 8 $3.9M Michelle Lynch 20 Nashville $5.5M Rodney Jones 8 $3.0M Karen Maystead 18 Denver $4.9M Jodie Luke-Carter 8 $3.0M Brenda Harris 16 South Ogden $4.2M Jennifer Gokool 8 $1.0M Heather McCormick 15 100% Channing Craig 7 $2.5M Amanda Church Amy French 6 $2.3M Dawn King One Touch Linda Douglas 6 $2.2M Tara Holtorf Taylor Madsen 5 $2.9M 13 Jessie Van Wagoner 5 $1.9M 11 Scott Stolpp 5 $1.6M 10 Damber Nepal 5 >$970k Randy Whitaker

SSuchpopolylStart preparing now for the Castle Cares Q3 Drive AUGUST The Q3 Castle Cares area of focus will be supporting education. 7-11 More information to come! WHAT TO DONATE: START NOW Backpacks TO FIND Crayons Notebooks GOOD DEALS Pencils Books ON SCHOOL Sanitizer / Wipes SUPPLIES!

Capital Markets/Secondary Last month, the Capital Markets/Secondary Team volunteered their time at the Fourth Street Clinic in downtown SLC.  The Fourth Street Clinic has been around for the last 40 years, helping homeless Utahns improve their health and quality of life by providing high quality health care and support services.  We helped restock and sort medical supplies, clean, and inventory supplies.  The Fourth Street Clinic is a wonderful organization dedicated to the health and wellbeing of the growing SLC homeless population.  It was wonderful to be able to meet some of their finest employees and learn about this great non-profit organization.  The clinic is constantly looking for volunteers & donations. If you are interested in volunteering your time, contact Korie Thomas at [email protected] or you can visit their website- https:// fourthstreetclinic.org/ to learn more about their mission or to donate online.

BROADEN YOUR HORiZONS... TRAVEL Traveling is more than just a break from work, it’s an opportunity to explore new places, cultures, and experiences. The benefits of travelling are different for everyone but if you need a reason to use your PTO and take a vacation take a look at these benefits. • Broaden Your Horizons: Travelling is a great way to broaden your horizons and gain new experiences. Seeing new sights, trying new foods, and experiencing other cultures can be a rewarding and enriching experience. It can also provide a sense of accomplishment and boost self-confidence. • Recharge, Reduce Stress & Increase Creativity: It allows you to escape the daily routine and recharge your batteries. Did you know that taking a break from work and exploring new places can help reduce stress levels and increase creativity? • Improve cultural awareness and understanding. Visiting different countries and meeting people from various backgrounds can broaden our perspectives and challenge our assumptions. It can also improve our communication skills and ability to work with diverse teams. • Network & Build Relationships: Traveling can provide numerous opportunities for networking and building relationships. You never know when you’ll find a new friend or when the connections will lead you to leads, partnerships, or new opportunities.

WHERE iN THE WO R L D? Curt said that even Curt Wilken, Sales Manager Kierra Moss, Loan Officer though he lived in Sandy-iego (San Diego, CA) German and Turkey for some time, Kierra said that she is so both places make in love with living in San great vacations. He Diego and said at times recommends going she feels like she is on a to Oktoberfest and vacation every day! Cappadocia. Oktoberfest in Germany Suzi’s love for people and cultures has her traveling all over and meeting new people. She shared some photos of her recent trip to Portugal in March. Suzi made some new friends from Canada, Australia and Ireland. Suzi Boyle, Sales Manager Portugal in March Dani highly recommends Costa Rica. It has it all – in Costa Rica you’ll have mountains, beaches, beautiful scenery, hot springs. You’ll be surrounded by friendly, genuinely authentic people living a slower paced life style who are some of the happiest people in the world. Dani said had she brought her dogs with her on the trip, she probably wouldn’t have even come home. When you go, be sure to go to La Fortuna, Arenal volcano or anywhere on the Guanacaste province. One more thing, you can’t miss “riding the bull” on El Rio Toro! RDidainngi DthoeugBalull

WHERE iN THE WO R L D? John gives advice to those looking 'Mereces lo que suenas' to travel… “Mereces lo que suenas. Costa Rica (You deserve what you dream) So dream big!” He loves escaping John Wsheietse,aLmooannkePyrocessor from Nebraska’s freezing winters and visiting warm oceanfront Sloth in Costa Rica areas with his family (and they never visit the same place twice). His family enjoys relaxing on the beach but also, they love to get to know the area, find excursions and try new adventures. He recommends Costa Rica because of the wildlife (crocodiles, sloths & capuchin monkeys (oh my!). Next up is Ireland and Puerto Vallarta so if you have any suggestions reach out to John and give him all the tips! Scott Monument, Scotland Brittnee loves Scotland more than almost anything else in life. She St. Giles Cathedral has been 3 times in the last four years and will go on and on about Britt in the Royal Gardens it if you let her. She is obsessed with the culture and way of life in the UK and brought back five blocks of cheese on her last visit despite being lactose intolerant (yes, it’s that good.) She loves escaping the heat of Utah and wearing a jacket all summer long and fits right in with the rest of the scots with her red curly hair. If you need any tips on getting cheap Europe tickets, visiting Edinburgh, or developing a believable accent to blend in with the locals, she’s your go-to gal.

CONNECT WiTH OTHER TRAVEL LOVERS Have an upcoming trip that you want some tips and advice for? Want to share your love for travel with others at CCM who also get the thrill of exploring new places? Join the Wanderlust CCM Zoom Channel! You might be asking… How do I join? It’s easy! In Zoom click search or type CTRL “F”. Type “Wanderlust” Click the # Channel that is called “Wanderlust (A Travel Channel). Click “Join”. See you there… or on the other side of the world! WHERE WOULD YOU TRAVEL TO? TELL US!

culCtourrneer Need help? Where to go for Bingo Callers Wanted help! One of the fun activities that keep us connected is through the Monthly Virtual BINGO. Join us the If you ever find yourself in a pickle – know that there second Friday of each month at 12 PM MT. The is help available! Here’s some great places to start theme for July is “Decades”, we’ll be having some when you need some assistance: fun CCM Trivia! We need host for July, September, October, & December! Connect with Dani Dougal • Contact and Escalations sheet: Even if it or CCM Culture if you are willing to help and be a BINGO Caller. doesn’t feel like it’s an emergency requiring escalation this Contact & Escalations sheet will CCM Spirit Week guide you to know who to talk to in different situations. Find it on CCM Connect (CCM Ready to show your love for CCM?! Join us soon as Connect > Tools> Corporate Communications). we celebrate Castle & Cooke Mortgage with CCM Spirit Week. Monday July 10th: Sports Day Tuesday • Coffee with Cardillo Recordings: If you missed July 11th: Beach Day Wednesday July 12th: CCM Swag Dag Thursday July 13th: Superhero Day the Coffee with Cardillo for the month – we’ve Friday July 14th: Decades Day. More information recently started recording the trainings and coming to your inbox soon! upload them to CCM Connect. You can go back and watch it on CCM Connect (CCM Meet a Culture Ambassador Connect > Tools> Corporate Communications). Felicia Gunn is CCM’s • CCM Employee Guide: Do you ever wish there Finance and HR Generalist. Felicia is also this year’s was a place that you could reference all the culture ambassador for things Castle & Cooke? Well now you can use the accounting/ finance, the Employee Resource Guide as a one stop compliance/licensing, shop for learning about Castle & Cooke, CCM Dallas Fort Worth and the Culture, Learning & Development, and New Hire Stuart FL teams. Felicia LO Resources. It’s interactive with TONS of links strongly feels that “as more to get you to the information you need. CCM people are working from Connect (CCM Connect > Tools> Corporate home it’s so important to Communications). find activities that keep everyone connected as • Are you new to CCM? Start at CCM – New Hire a team”. Thanks for your support, Felicia! Resources on CCM Connect with this link: https://ccmconnect.castlecookemortgage. com/default/index.cfm/tools/new-hire- resources/ You’ll use the same log in on CCM Connect (our company intranet) as you do to log into your computer. • Loan Officers: Check out the Loan Officer tab on CCM Connect. (CCM Connect > Departments > Loan Officers) You’ll find Training, Job Aids, Keys for Success Tips and the New Hire LO Checklist and Guide.

EscGaElTatTiOonKNPrOoWceCsCs M Issues that require escalation should follow the chain outlined below by department. Accounting Licensing For accounting escalations, invoices, vendors & outgoing payments 1. [email protected] 2.Kellie Edmondson, VP of Compliance 1. [email protected] 3.Samantha Bateman, SVP of Compliance For incoming payment and other accounting matters Loss Mitigation 1. Carrie Serbousek, Accountant Indemnifications, buybacks, repurchase requests, etc. 2. Kathy Provost, Assistant Controller 3. Scott Gonzalez, CFO 1. Kori Seely, VP of Quality Control 2. Danny Jasper, EVP of Capital Markets Compliance Marketing & Business Development Disclosures, Pipeline Management, ComplianceEase, Vendor Management, Consumer Complaints, Compliance Trainings, Creative services, marketing materials, Total Expert, Homebot, etc all state/federal compliance issues 1. [email protected] 1. [email protected] 2.Scott Kirkessner, VP of Marketing 2.Kellie Edmondson, VP of Compliance 3.Jim Modrycki, SVP of Production 3.Samantha Bateman, SVP of Compliance Mortgage Systems Closing BytePro all mortgage related systems 1. [email protected] 2.Adrienne Rizzuto, Operations Manager 1. [email protected] 3.Nichole Belnap, VP of Operations 2.Rebekah Johnson, VP of System Operations 4.Colleen Fisher, SVP of Operations 3.Colleen Fisher, SVP of Operations Facilities Post-Closing 1. Dani Dougal, Facilities Manager Government insuring, final docs, shipping and post-closing 2. Scott Gonzalez, CFO 1. [email protected] Funding 2.Adrienne Rizzuto, Operations Manager 1. [email protected] 3.Nichole Belnap, VP of Operations 2.Adrienne Rizzuto, Operations Manager 4.Colleen Fisher, SVP of Operations 3.Nichole Belnap, VP of Operations 4.Colleen Fisher, SVP Operations Processing/Loan Coordinating Human Resources (HR) 1. Sharley Danis, Processing Manager 2. Colleen Fisher, SVP of Operations Hiring, recruiting, performance, feedback, benefits, payroll Quality Control 1. [email protected] 2.Rita Quintana, HRIS and Payroll Manager (for payroll or Prefund and post-closing audits 401k questions) 1. Kori Seely, VP of Quality Control 3.Katie Evans, VP of Human Resources 2. Danny Jasper, EVP of Capital Markets Training Secondary/Capital Markets 1. [email protected] 1. [email protected] 2.Danny Jasper, EVP of Capital Markets 2.Katie Evans, VP of Human Resources Servicing Information Technology (IT Help Desk) 1. [email protected] All servicing related issues including LoanCare questions 2.Jared Campbell, VP of Information Technology 3.Scott Gonzalez, CFO 1. [email protected] 2.Alyssa Bunch, VP of Servicing 3.Scott Gonzalez, CFO Underwriting [email protected] (Underwriter of the day) 2.Perris Bullard, SVP of Credit Risk Version as of June 26,2023