Monthly Newsletter Publication

NW REGIONAL NEWSLETTER HIGHLIGHTS FOR THE MONTH OF JANUARY The seasonally low applications in December made for a quiet closing month in January, only 35M, but on the bright side it was up 11M from January 2017. The real news in January is where the NW Region is trending. Credit Pulls in January 2017 were 403, January 2018 were 659, the second best in a 12 month period. Applications for January 2017 were 161, 2018 a whopping 280. Our sales team started the New Year off with a flurry of activities that have us off to a good start. Those that qualified to attend Summit in Salt Lake last month were treated to an Olympic theme which is perfect timing given the Olympic Opening Ceremonies are tonight. We heard the trials and tribulation of Michelle Kwan, silver medal figure skater and Dan Jensen, gold medal speed skater, along with others that shared their journeys. Adam, James, and Mike asked us to Carry the Torch, to embrace and personify the 5 P’s, Purpose, People, Passion, Productivity, and Performance. Please read more in this newsletter on how the 5 P’s are what drives our company and are guiding principles of all we do and who we are as an organization. Our culture of giving back was apparent when the attendee’s spent an evening packaging 100,000 meals for those in need. Our Underwriters, Closers, and Funders were a little underwhelmed in January. This group is used to skiing fast and not excited to be on the bunny hill. The processors and support team will be the first to feel the volume increasing, February is a short month but we are tracking to have a nice increase over January and by March we expect to be racing, so buckle in. Congratulations to underwriter Laurie Funston and Closer Christy Milliren for being voted in to attend the Executive Trip to Maui next month. Also a shout out to Ev Cox who earned her trip by qualifying under the ROM requirements. “Good, better, best; never let it rest. Until your good is better and your better is best!” Nicole Pikus-Pace, Olympic Silver Medalist, Skeleton. -Dave Schile

EVELYN COX Summit in January was motivating, had some excellent speakers that shared some excellent tips to help achieve their goals and dreams (some of which were very emotional topics). I enjoyed being able to spend quality time with some of our sales teams and getting to know them better. As seen in the Bulletins, Alerts and Credit Policy announcements, we are working to decrease the time to get docs out, untie hands in Encompass to assist in fixing things faster. We are rolling out new products to assist in bringing in more business. I want to thank you all for the kind caring words and actions, it’s been a long few months, but please know that our family truly appreciates everything you all have done for us. The power of positive thoughts and prayers are amazing. Quotes “Just when the caterpillar thought the world was ending, he turned into a butterfly.” ..Proverb “Great minds discuss ideas; average minds discuss events; small minds discuss people.” ..Eleanor Roosevelt “Successful entrepreneurs are givers and not takers of positive energy.” ..Anonymous “Opportunities don’t happen, you create them.” .. Chris Grosser “Take up one idea. Make that one idea your life – think of it, dream of it, live on that idea. Let the brain, muscles, nerves, every part of your body, be full of that idea, and just leave every other idea alone. This is the way to success.” ..Swami Vivekananda

SUSAN HOLMES What season is it anyway? I am loving the weather, but I’m not sure we are done with snow. My daffodils think it’s time to pop up, but we will see how well that goes. Are you ready to grow and blossom in 2018? I’m excited at the thought of what we can do together. We have so much to share with each other. Check with others that are in your position. See how they get the job done. For example, there is usually more than one way to do a task in Encompass. Ask to observe your counterpart. See what you can learn. Be available for someone to see your process. Share best practices. Try something a little different to see how it works for you. Together we are better, stronger. Go team!

CHOOSE YOUR ATTITUDE: Laugh a little!! This is how they ski in Korea

I’d like to recognize all of the awesome team members at the Overland Rd. branch for their patience during the combining of our offices. Each of them were gracious, kind, helpful, and we’re excited to all be under one roof… finally! Laurie Funston is flat out one of the most impressive human beings on the planet… period! No need to say more… dropping the mic… now! ~Dave Perry Shout out to John Spiker, Angie Hine, & Marci Witt Thank you guys for al- ways picking up my slack when I had to leave work early, miss a meeting, and ditch you guys for all things basketball! All my time away paid off with being JV DISTRICT CHAMPS! But you guys are the real dream team and I’m so proud of be on this team! GO JAM’D  ~Danielle Hurd

I would like to give a shout out to Monica Pilot. She was such a tremendous help when and still in setting up the new Idaho Center office. I could just ask her to do anything and she had it under control. Thanks you so much Monica… you helped make the move much smoother and I can’t tell you how much that helped me.. So glad you are part of our Academy Family… ~Kelly Beebe *On Monday January 15 , 2018 Sara Weekes of the Legacy Meridian office ran for the title of Miss Rodeo USA in Oklahoma City, OK. This was a week of Horsemanship and rodeo knowledge with a written test, riding ability, speeches, impromptu questions, media Interviews, appearance, and photogenic. The pageant ended with the coronation on January 21 when she was awarded 3 st rd runner up for Miss Rodeo USA! Congratulations Sara! Sara Weekes is the Daughter of Maggie Weekes in the Legacy Meridian Idaho Office.

I just wanted to thank everyone again for helping make Sophia’s st 1 birthday so special. You all spoil her and I with so much love and it means the world to us. Thank you again! Hugs, Sophia and Jennifer Bender. I would like to give a shout to my co-workers who blessed me with the corporate trip to Maui. I am super excited!!!! Thank you All!!!! I feel so fortunate to be working for such an Amazing Company. ~Christy Milliren– Closer in the Meridian, Idaho Branch THANK YOU VOTERS FOR SENDING ME TO HAWAII! Daydreaming about sand and sun is getting me through this last personal hurdle! I couldn’t have asked for better timing for something to look forward too! ~Laurie Funston—Underwriter in the Legacy Meridian, Idaho Office

My pleasure to make this “shout out”! Angela Bowden---what can I say? I see her as… someone who never gives up someone who genuinely cares someone who has so much on her plate, but makes you feel you are the only one needing help someone who is a cheerleader for each of us someone who deserves way more than this shout out to do justice to the job she does Thank YOU for all you do Angela! YOU ARE AMAZING! God Bless YOU! ~Carolyn Summerton I would like to give a shout out to PEARL SMITH for taking the time to train with me for two days in her crazy busy schedule. I learned SO much in my short time there and I am so excited to be back home to implement these changes. It was so nice to get to meet everyone as they all showed me such great hospitality. Shout out to TERA DAVIS for being such boss (literally and figuratively) and getting me that support I requested to make me feel more confident in my position. ~Jenna Provost Want to thank Zoe for her diligence and flexibility in working to get transactions closed. ~Ela Conner

Shout out to my team in Coeur D’Alene! Scott Petersen, Angie Prendergast and Danielle Costa. I love working with all of you and appreciate being able to call you guys for a helping hand or a good laugh! I admire the work you do and see your dedication to making our borrowers have a good experience. Shout out to Lynn Hergenreder for your tenacity and determination to see your people be a success! I love that I can come to your office and chat about anything and I know that you take my input to heart. Thanks for genuinely caring about me. ~Manesseh Castro Thanks Whittney and Andrew for all the help. I know you got my back, even on nights and weekends. You are the best!! ~Stephanie B. Johnson Jonathan Michalski! An amazing co-worker and Team player! I have had the privilege of knowing Jonathan about 12 years and getting to work with him for most of those. Some people just get it. Jonathan is one of those. When he is faced with a challenge, he rolls up his sleeves and BEGINS until it is complete. He is extremely knowledgeable in this industry, honest, fair and quick to take ownership of any mistake and even quicker to apologize and find a solution. It was the longest time before I real- ized he is human. I have never had to second guess with him. So happy he is part of the Team at Academy and hope those of you who don’t know him, take the time! Your day will be a little bright- er when his sense of humor shines on the topic! Thanks for all you do, Jonathan! ~Carolyn Summerton

KAREN WRIGHT— Congratulations! The Iowa Finance Authority would like to thank you for your support of affordable housing in Iowa. In calendar year 2017 you assisted Iowa home buyers by originating 53 IFA loans for a volume of $6,789,265. Due to this great accomplishment, IFA would like to recognize you with the 2017 IFA Top Producing Originator Award. This is in addition to Academy Mortgage achieving the 2017 IFA Bronze Level Lender Award. ~Anna Wilson Shout Out to Pearl Smith You are amazing at getting the office together on holidays and important events. You are the best and I really appreciate you! ~Angela Bowden Shout out to Carolyn Summerton You are an amazing soul and I am honored to work for you. You can take anyone’s so-so day and make it in to the greatest day ever! I really appreciate you! ~Angela Bowden Shout out to Fran Larsh What can I say...I just flat out admire you in so many ways. You work extremely hard and sometimes people don’t even notice probably because you have always been that way. You go girl! ~Angela Bowden

Team Academy, As most of you are aware, in January of 2018, Academy kicked off the year by gathering leaders from across the organization to participate in our annual Leadership Summit. The focus of the meeting was directed towards soliciting our leaders’ help in “Carrying the Torch” regarding Academy’s 5 P’s: Purpose, People, Passion, Productivity, and Performance. The 5 P’s are what drives Academy and are the guiding principles of all we do and who we are as an organization. The 5 P’s should be utilized as a filter in all you do at Academy. Purpose: Vision, Mission, Culture We Believe that our Purpose, our reason for being, is to Build, Nurture, Protect, Preserve, and Promote a Culture that Inspires Hope, Delivers Dreams, and Builds Prosperity in the Lives of Our Employees, Partners, Homeowners and Communities. People: Leadership, Teamwork, Talent We Believe that People and the Relationships that bind us are the most valuable currency we hold. Our investment and commitment to attracting, retaining, and bonding with like-minded individuals (People who share our Passion for Purpose) are perhaps the most important work we engage in as leaders. Passion: FANomenal Experiences, FANS We Believe in the Experience Economy. We are Passionate about creating FANS. We do this through the delivery of FANomenal Experiences to Homeowners, Partners, and Employees. Our ability to do this will separate and differentiate us from our competition in ways that will drive market share. Productivity: Practices and Behaviors We Believe in continuous improvement, measurement, and accountability. A hyper-focus on the key practices and behaviors that increase Personal, Team, and Organizational Productivity needs to be everyone’s concern—without this we cannot Inspire Hope, Deliver Dreams, or Build Prosperity. Performance: Results – Profit, People, Purpose We Believe that Performance is about winning. Winning at Academy is about our ability to sustainably drive profit, to build Prosperity for our People, and achieve our Purpose. As an organization and as a Leadership Team, we believe that our ability to move Academy from Good to Great is dependent upon each one of us to “Carry the Torch” in our respective areas of influence in executing on the 5 P’s.

CORPORATE LEADERSHIP SUMMIT Michelle Kwan—Olympic Silver and Bronze medal winner

MIKE JENSEN OMAR GEBRIL DAVE PERRY Olympian competitor Eddy “The Eagle” Edwards with Olympic Gold winner Dan Jansen Adam Kessler speed skater Ski Jumper on the left

100,000 MEALS FOR FAMILIES IN NEED LEON BAKER, WHITTNEY CURRAN, KELLY BEEBE, DAVE SCHILE, DAVE PERRY, TUESDAY MCKEAN, LEON MKEAN, DAVID MOBERLY. JASON OSWALD TERA DAVIS KAREN WRIGHT AND EVELYN COX DAVE PERRY

MEET OUR NEW EMPLOYEES FOR OCTOBER WELCOME BACK TRESSA ANDERSON! MERIDIAN IDAHO, BRANCH, #115 WELCOM TO LORI KARAU! LORI BECAME AN EMPLOYEE A FEW WEEKS AGO. LORI IS AT THE MERIDAN, IDAHO, BRANCH #115

JANUARY NUMBERS TOP FIVE BRANCHES IN THE NORTHWEST REGION LEGACY MERIDIAN 14,349,057 MERIDIAN 5,821,879 ALASKA 2,327,048 WALLA WALLA II 2,136,651 NAMPA ID CENTER 1,970,570 TOP TEN IN VOLUME TOP TEN IN PURCHASE VOLUME Jason Oswald 6,843,832 Jason Oswald 5,102,417 Dave Perry 4,268,707 Dave Perry 3,428,007 Leon McKean 2,327,048 Leon McKean 2,015,599 Tera Davis 2,136,651 Jennifer Bender 1,768,645 Leon Baker 1,970,570 Tera Davis 1,745,460 Jennifer Bender 1,768,645 Leon Baker 1,583,333 Scott Petersen 1,610,102 Karen Wright 1,077,047 Teresa Metz 1,099,775 Whittney Curran 945,885 Karen Wright 1,077,047 Mike Lipinski 733,378 Terry Anderson 957,593 Scott Petersen 714,102 “Coming together is a beginning; keeping together is progress; working together is success” ~Henry Ford “Work hard in silence, let your success be your noise” ~ Frank Ocean

NORTHWEST LOAN OFFICERS 1. Jason Oswald $6,843,832 21. Kristi Lacroix $395,991 2. David Perry $4,268,707 22. Maureen Miller $379,650 3. Leon McKean $2,327,048 23. Lisa Miles $365,000 4. Tera Davis $2,136,651 24. John Spiker $305,280 5. Leon Baker $1,970,570 25. Dave Baldwin $234,400 6. Jennifer Bender $1,768,645 26. Tina Ellis $233,166 7. Scott Petersen $1,610,102 27. Kelly Beebe $229,500 8. Teresa Metz $1,099,775 28. Luke Turner $212,588 9. Karen Wright $1,077,047 29. Anissa Franklin $212,000 10. Terry Anderson $957,593 30. Adam Zachary $166,136 11. Whittney Curran $945,885 31. Craig Soelberg $162,500 12. Michael Julius $849,795 32. Dean Gillmore $155,677 13. Ryan Shelby $842,396 33. Dalton Clark $147,754 14. John Spiker $749,877 34. Alice Thomas $147,200 15. Georgea Lipinski $733,378 35. Heidi Bateman $133,000 16. Mike McLean $728,200 36. Anne Erickson $108,700 17. Vicki Leavitt $620,210 37. Craig Ballhagen $78,000 18. David Moberly $545,592 19. Bob Beisly $539,213 38. Eloisa Rawson $63,200 20. Cheryl Lipp $419,527 Total $34,763,785