AFN Branch Wire July 2022

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Introducing

AFN's CFO Gurpreet Kaur

June Top Producers Congratulations on your achievements! Page 1


E di t i o n 22-07 | Ju ly 2 02 2

Ta ble o f Co nt e nt s Anniversaries | 4 Production Junction | 6 Top Processors | 9 Top Underwriters | 9

Introducing...

AFN's New Chief Financial Officer Gurpreet Kaur

President's Club Standings | 10 Welcome to AFN | 12 Branch Relations | 13 Sales Mgmt Training | 14 Underwriters Angle | 16 Compliance Matters | 18 Construction & Reno | 20

Gurpreet Kaur is a licensed Certified Public Accountant with two decades of experience at the corporate accounting level. A Team AFN member since 2014, Kaur mentored under our former Chief Financial Officer (CFO), the distinguished Bob Telles—now retired— and is very well versed in the corporate accounting practices and general bookkeeping processes that help keep AFN financially sound.

AFN Props | 22 AFN Fan Corner | 24

Before joining Team AFN, Kaur had a successful run as Controller

Marketing Update | 26

for Ashley Furniture for four years (2010-2014), during which time

Social Media | 27 Team AFN Shop | 28 Birthdays | 32 Apex | 34 Wellness & Social Responsibility | 37

the furniture giant presented challenges similar to AFN’s growth and expansion model as it launched Hope to Dream, a program providing beds to underprivileged children; established a plant in Vietnam, accelerating its international retail presence, received its first Women’s Choice Award, showcasing the strength of women in business, launched Ashley Express with next-day delivery, and grew by 100 locations reaching 500 locations in February 2014. When Kaur joined Team AFN, we were based in Chino Hills, California, licensed in 40 states, and had approximately 400 Mortgage Loan Originators (MLOs) across the country. As AFN moved its Corporate office to Brea, California, continued on its growth trajectory, and experienced changes in numbers of employees, branches, and loan volume, Kaur was there, as Treasurer, then promoted to Controller, managing more than 25 Team AFN Members and spearheading

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execution of day-to-day accounting, payroll management, year-end accounting and distribution of 1098s and 1099s, and so much more. In July 2015 AFN celebrated its 1,000th employee milestone, and in August received recognition by Inc. Magazine as one of the fastest growing private companies, adding 330 personnel and achieving 341% growth. By mid-2016 AFN was licensed in 43 states with more than 500 Loan Officers in 114 community-based branches. A year-in-review snapshot of 2017 had AFN licensed in 45 states, with 133 branches, 745 MLOs, and a total funded volume of $4.5 billion. By 2018 we were licensed in all 50 states plus DC and continued our upward trend in all metrics. Showing effective leadership as AFN took leaps and bounds in national expansion, Kaur was a pillar of strength and stability for the AFN Accounting team as volume nearly doubled while we experienced aggressive growth from 2019 to 2020 with funded volume of more than $13 billion and held steady with numbers similar to 2020 in 2021. Today, as we welcome Kaur to the esteemed position of Chief Financial Officer, we are confident she is equipped to see us through today’s mortgage lending climate, leading the charge in Accounting as we remain financially stable. Welcome to your new position with Team AFN, Gurpreet Kaur, we know you will continue with fortitude and the strength in leadership the job demands.

Gurpreet Kaur, CPA Chief Financial Officer gkaur@afncorp.com

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Congratulations to those with an anniversary in July!

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Adrian Padilla Aiyana Parkman Alexander Pinder Beatriz Chavez Brian Krone Brian Pinsky Candace Hutchinson Charles Kennedy Christina Berlanga Cing Sung Deborah Johns Diana Capron Diego Pizarro Drake Ozment Eric Sylvia

Jackie Malecki James Venney Jennifer Tapia Joshua Pennebaker Justin Stow Kadeem Reid Kenneth Britt Kyle Middendorf Larry Mccain Leticia De La Ree Licia Feuerstein Lisa Haynes Manuel Sanchez Melissa Franco Melissa Kramer

Alexis Funes Azuree Browning Ben Gheliuc Brandon Conyers Brittani Mays Chase Johnson Chelsey Trammell Constandinos Vagenas Dave Gesin David Xie Dee Pace Dorota Bak Febe Villabeto

Frank Parrino Frantz Pierre Freddy Estrada Jared Price Jc Corrales Jeannette Leon Jessica Zele Justin Armendariz Kim Campbell Krystle Rose Gelera Kylie Judy Laurie Jean Mary Eggleston

Michael Alhava Miguel Urzua-Cadiz Nathaly Del Toro Randy Snyder Raymond Villan Robert Oates Sara Mcintyre Sara Reed Sarah Boyle Scarlett Pepitone Steven Wills Suha Park Trevon Babcock Tyler Blevins Vincent Gottuso

Mary Lou Thomas Micheal Foraker Noah Aguirre Noemi Maravilla Rebecca Folz Stefanie Barkey Stephanie Miranda Ted Ely Todd Friedman Vijay Kancharla Woody Roberts


Alex Castaneda Andrea Licas Arjie Lazo Cath Candari Hugo Gomez James Clark JD Smith

Anell Hernandez Basel Elias Christian Moran Jeff Bubenchik Joe Stefani

Jennifer Lopez John Aporado Levi Bellen Lorie Pepano Mimi Tesfamariam Mitch Gatdula Reyna Oreo

Krysten Lewelling Leah Vierra Roberto Kelly Yolanda Miller

Samuel Lau Sandra Perez Sean Rose Shawntel Lalisan Tim Connolly

John Smith Kimberly Hampton

Eight Years Juan Kelley Linda Bove Neal Ricardo Hernandez

Alicia Polacek Dylan Oliveira Roy Parm

Areli Arteaga Catherine Tiyaloglu Marie Alessi Sharef Ali

Eleven

Twelve

Thirteen

Diana Gray Diane Cisneros

Twyla Hankins

Sylvia Sanchez

Happy Birthday AFN! See page 13 for ways to share our 21 years in business.

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Great job ending the month and the quarter just above plan! We appreciate the sales, operations and support team members for pushing through the headwinds. We finished the funding for the month almost 20% higher than May! Great job to all Team AFN. This was definitely a team effort!

Thank you, Team AFN!

JUNE 2022 | FUNDED 1,910 for $665,583,881 Total Banked & Brokered Retail Banked 1,122 units for $383,372,991 Wholesale Orion Lending finished at 414 units for $156,740,126 Consumer Direct 199 units for $56,021,505 Total Banked for all: 1,735 units for $596,134,622 Retail Brokered out another 175 units for $69,449,259

Top 10 Retail Divisions Ascencio Division

Winblad Division

7

Corporate Division

Southwest Division

8

Mente Division

4

Midwest Division

9

Vaverka Division

5

AC Division

10

Atef Division

2 3

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Northeast Division

6

1

934 units for $306,547,856

123 units for $43,160,077 88 units for $26,001,090 56 units for $14,599,222 22 units for $10,450,386

19 units for $8,727,448 22 units for $8,010,525 16 units for $6,884,233 14 units for $5,737,225 12 units for $4,601,429


Top 10 Retail In-House by Volume: Rank

Retail Branch

Units

Volume

1

LendFriend Home Loans

83

$32,305,265

2

Landmark Mortgage Planners

67

$17,354,296

3

Plano

41

$16,018,159

4

Camelback - Phoenix

39

$13,651,867

5

Palm Beach

38

$12,749,774

6

The Irvine Branch

39

$12,325,975

7

Burlington

43

$10,901,453

8

LendPro

22

$10,450,386

9

Downey

17

$8,127,636

10

New Millennium

40

$7,981,092

Top Branch Managers TOP 10 VOLUME BANKED 1) Eric Bernstein & Michael Bernstein (Traditional Retail) 2) Robert Ziebart/ Fritz Reichardt (Traditional Retail) 3) Daniel B. Munoz/Jacob Emmel (Traditional Retail) 4) Damian Christopher Feller/Sergio Molinar (Traditional Retail) 5) Wilson Enriquez (Traditional Retail) 6) Sam Rumi (Consumer Direct) 7) Joseph Lose/John Bruno (Consumer Direct)

Team

AFN Thank You

for your hard work and dedication!

8) Alex Araoz/Claudia Spaulding (Traditional Retail) 9) Alex Ascencio (Traditional Retail) 10) Cyndi Urbano (Traditional Retail) Page 7


June Top Producers Top Loan Officers by Volume

Top Loan Officers by Units

Loan Originator

Units

Volume

Loan Originator

Units

Volume

1

Jonathan Andreoni

18

$7,994,932

1

Chelsea Sweatman

21

$7,354,279

2

Chelsea Sweatman

21

$7,354,279

2

Sue Albritton

20

$5,862,698

3

Sue Albritton

20

$5,862,698

3

Jonathan Andreoni

18

$7,994,932

4

Joshua Ulmer

13

$5,531,524

3

Jennifer Jurs

18

$3,850,318

5

Jacob Emmel

12

$5,508,385

5

Carla Fair

15

$5,467,331

6

Carla Fair

15

$5,467,331

6

Travis Bredeson

14

$5,316,113

7

Hirsch Ungar

8

$5,359,775

6

Brett Labadie

14

$3,308,429

8

Travis Bredeson

14

$5,316,113

8

Joshua Ulmer

13

$5,531,524

Jacob Emmel

12

$5,508,385

9

Morgan Joiner

12

$4,972,860

9

10

Glen Bralley

11

$4,885,466

9

Morgan Joiner

12

$4,972,860

11

Samuel Ary

8

$4,430,225

9

Joseph Lose

12

$3,449,735

12

Alex Ascencio

9

$4,242,688

9

Gary Miller

12

$3,140,893

13

Jennifer Jurs

18

$3,850,318

9

Sacha Borrero

12

$2,824,753

14

Matthew Williams

9

$3,782,876

14

Glen Bralley

11

$4,885,466

15

Chelsey Dungan

10

$3,688,720

15

Chelsey Dungan

10

$3,688,720

16

Daniel Romero

6

$3,462,100

15

Jon Valentine

10

$3,205,707

17

Joseph Lose

12

$3,449,735

15

Michael Vetri Sr.

10

$2,410,164

18

Shana Enriquez

9

$3,385,000

15

John Bruno

10

$2,269,698

19

Brett Labadie

14

$3,308,429

15

Eric Remy

10

$2,194,056

20

Jon Valentine

10

$3,205,707

20

Alex Ascencio

9

$4,242,688

20

Matthew Williams

9

$3,782,876

20

Shana Enriquez

9

$3,385,000

Top Branches by Volume Branch

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Top Branches by Units

Units

Volume

Branch

Units

Volume

1

LendFriend Home Loans

83

$32,305,265

1

LendFriend Home Loans

83

$32,305,265

2

Landmark Mortgage Planners

67

$17,354,296

2

Landmark Mortgage Planners

67

$17,354,296

3

Plano

41

$16,018,159

3

Burlington

43

$10,901,453

4

Camelback - Phoenix

39

$13,651,867

4

Plano

41

$16,018,159

5

Palm Beach

38

$12,749,774

5

New Millennium

40

$7,981,092

6

The Irvine Branch

39

$12,325,975

7

Camelback - Phoenix

39

$13,651,867

7

Burlington

43

$10,901,453

7

The Irvine Branch

39

$12,325,975

8

LendPro

22

$10,450,386

8

4Palm Beach

38

$12,749,774

9

Downey

17

$8,127,636

9

The Monroe Group

33

$7,965,551

10

New Millennium

40

$7,981,092


Rolling Average Score Processor

Rolling Average Score

1

Teresa Hutchison

36.35

2

Amy Hart

3

Kimberly Lindauer

44.65

4

Kayla Lapinski

44.75

5

Jeremy McBee

46.05

6

Kristina Tuffree

47.65

7

Kristina Schneider

47.75

8

Elisa Griffin

49.5

9

Canella Kumke

51.1

10

Tara Beverly

53

38.1

by Scorecard Underwriters

Total Points

1

Terry Rodriguez

156.29

2

Christina Rodriguez

131.08

3

Richard Wood

125.03

4

Jaime Ingram

124.69

5

Elizabeth English

104.78

6

Kristi Suarez

102.94

7

Shannon Golloway

100.62

8

Jody Thoennes

97.52

9

Vicki Semmler

97.27

10

James Kim

94.89

LOAN OFFICERS:

Limiting factor: Experience.com scores at or above 4.9 average • Retail: Top 10 Loan Officers by Volume (must be individual, not teams) • Retail: Top 10 by Units (must be individual, not teams)

Referral Desk excluded. | Do not include duplicates.

BRANCH MANAGERS:

Limiting factor: of positive branch cumulative and YTD PNL

• Retail: Top 5 branches by Units and Volume Referral Desk excluded. | Do not include duplicates.

DIVISION MANAGER:

• Over $600 Million per year OR 1 most profitable YTD - No exclusions for recruited branches, closed branches, etc.- straight front end PNL combination

YTD By Scorecard Processor

1

Brenda Rodriquez

2

Rae Wu

3

Sharef Ali

4

Maria Martin

5

Dorothy Lanier

OPERATIONS PERSONNEL: • Top 2 Underwriters by Score Card • Top 2 Processors by Score Card • Top 2 Closers by Score Card

• Top 2 Discretionary for other departments

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President’s Club 2022 Standings as of 06/31/2022

Top Loan Officer by Volume

Top Loan Officer by Units

Top 5 Processors by Scorecard

1

Matthew Williams

1

Jennifer Jurs

1

Tara Beverly

2

Travis Bredeson

2

Brett Labadie

2

Teresa Hutchison

3

Hirsch Ungar

3

Zachary Prairie

3

Kimberly Lindauer

4

Jacob Emmel

4

Benjamin Gheliuc

4

Amy Hart

5

Sean Tate

5

Hector Estrada

5

Jeremy Mcbee

6

Glen Bralley

6

Matthew Shtatman

Top 5 Underwriters by Scorecard

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7

Samuel Ary

7

Tim Miller

8

Gary Miller

8

Shana Enriquez

9

Payton Reisman

9

Alex Ascencio

10

Michael Vetri Sr

10

John Bruno

1

Terry Rodriguez

2

Jamie Ingram

3

Richard Wood

4

Christina Rodriguez

5

Kristi Suarez


Top Branch Manager by Volume 1 2

Daniel Munoz / Jacob Emmel (Traditional Retail)

Eric D Bernstein / Maxwell D Liporace / Michael A Bernstein

Top Branch Manager by Units 1 2

Jason R Turner (Traditional Retail)

Kent Reid

(Traditional Retail)

(Traditional Retail)

3

John C Jeffries

3

(Traditional Retail)

4 4

5

6

Joshua Ulmer

(Traditional Retail)

5

Cynthia Urbano / Jennifer L Jurs (Traditional Retail)

6

Jason R Turner (Traditional Retail)

7

Glen A Bralley / Katherine R Craddock (Consumer Direct)

8

8

Kent Reid

9

9

Benjamin Gheliuc

10

10

Paul St Marie / Robert J Valerio

10

7

(Traditional Retail)

(Traditional Retail)

(Traditional Retail)

Glen A Bralley / Katherine R Craddock (Consumer Direct)

Benjamin Gheliuc (Traditional Retail)

Marla Loggins (Traditional Retail)

Ronnie S Martin (Traditional Retail)

Jason Hutcheon (Consumer Direct)

Paul St Marie / Robert J Valerio (Traditional Retail)

Casey W Knowles (Traditional Retail)

William Rivas (Consumer Direct)

Jude Brennan

(Traditional Retail)

Top Division Manager 1

Northeast Division

John M Donofrio / Matthew B Schultz 6362 units for $2,036,449,984

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We are so happy that you're here! A warm welcome to those who joined Team AFN in June 2022. Al Morell

Christal Johnson

Jim Sander

Nikki Flores

Trisha Morrison

Alejandra Perez

Christopher Mcdougall

Joe Cottrell

Oscar Sanchez

Troy Ragland

Alice Gomez

Christopher Watkins

Jonny Fowler

Patricia Howell

Alyssa Cardona

Cindy Lovelady

Joseph Schreck

Patrick Brill

Andrew Cannon

Cristian Vera

Karina Rivera

Phillip Malakauskas

Angelica Garcia

Cynthia Brackett

Kasi Keim

Pierre Mondesir

Angely Guevara

Dalton Adams

Katie Jones

Rachel Lambert

Art Garcia

Dalvin Carrington

Kendall King

Ramiro Reyes

Ashley Hudson

Dan Luterman

Kira Mai

Raven Benton

Ashy Larry Guest

Dayan Solis

Lauren Ryan

Rhamseys Garcia

Austin Thames

Dee Copeland

Lindsay Hessler

Ricky Lynard

Barton Prince

Dree Green

Liz Young

Robert Halick

Bethany Clement

Elisa Ramirez

Loretta Hall

Sabrina Byrd

Bethany Maclachlan

Ellirikal Santos

Marisol Delgado

Selene Estrada

Bill Pace

Eric Axelson

Maritza Nieves

Shaun Pira

Billie Jo Alexander

Erik Venters

Mark Rosado

Silvia Hernandez

Brittany Christie

Gustavo Cuellar

Mary Ibarra

Simone Negri

Broughton Epps

Isaac Rae

Melissa Davidson

Starr Kreig

Casey Phillips

Jacob Edri

Michelle Martin

Stephanie Grieser

Cathy Chen

James Browne

Michelle Wood

Stephanie Silverman

Cecilia Moreno

James Eppley

Miguel Esquitin

Steven Mcclelland

Chantal Jackson

Jess Ball

Mike Diaczynsky

Tom Southern

Transitional Loan Officer

Business Development Manager

Loan Officer

Sales Manager

Branch Manager

Jr. Processor

Transitional Loan Officer

Loan Officer

Loan Officer Assistant

Loan Officer Assistant

Transitional Loan Officer

Transitional Loan Officer

Transitional Loan Officer

Digital Media Manager

Branch Manager

Loan Officer

Processor

Transitional Loan Officer

Branch Manager

Loan Officer

Production Manager

Loan Officer

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Branch Manager

Branch Manager

Branch Manager

Processor

Transitional Loan Officer

Loan Officer

Jr. Encompass Administrator

Sales Management Trainee

Loan Officer

Loan Officer

Loan Officer Assistant

Transitional Loan Officer

Sales Management Trainee

Business Development Manager

Business Development Manager

Transitional Loan Officer

Business Development Manager

Loan Officer

Loan Officer

Loan Officer

Loan Officer Assistant

Jr. Processor

Loan Officer

Sales Manager

Divisional VP of Business Development

Transitional Loan Officer

Processor

Sales Manager

Loan Officer

Business Development Manager

Loan Officer

Loan Officer

Loan Officer Assistant

Loan Officer Assistant

Transitional Loan Officer

Sr. Loan Officer

Sr. Loan Officer

Branch Manager

Processor

Loan Officer Assistant

Production Manager

Senior Escrow Officer

Sales Management Trainee

Business Development Manager

Loan Officer Assistant

Loan Officer

Processor

Sr. Loan Officer

Assistant Branch Manager

Loan Officer

Transitional Loan Officer

Processor/LOA

Transitional Loan Officer

Loan Officer

Transitional Loan Officer

Transitional Loan Officer

Loan Officer Assistant

Loan Officer

Loan Officer

Business Development Manager

Transitional Loan Officer

Senior Escrow Officer

Opener

Branch Manager

Loan Officer Assistant

Loan Officer

Transitional Loan Officer

Loan Officer


Loan Officer Information Requirements Attention: Loan Officer, Processor, Closer | Encompass Newsflash #448

To ensure that Loan Officer information is accurately reflected on 1003 URLA Part 4, Section 9, hard stops have been implemented for Loan Officer Name, Phone Number, NMLS ID, and Company NMLS ID to be entered in the following situations: 1.

Order Initial Disclosures

2.

Order Closing Docs

3.

Print the LE/CD/1003

Loan Officers, Processors, and Closers will be able to reselect the LO on file through the File Started Milestone under the log tab to populate these fields.

Branch Relations Your Go-To-Place for Answers to Your Questions branchrelations@afncorp.com |

714-831-4334 | 7:00am - 5:00pm PST Page 13


Sales Management

Training Program

Introducing our new trainees! Congratulations to our newest trainees, who have already all passed their NMLS SAFE Exam just 25 days into being Team AFN members. They put in the work!

For more information about expanding this program across the country, contact:

Yanni Stefanidis • ystefanidis@afncorp.com • 714.584.9843 Cornelius Haarmann • chaarmann@afncorp.com • 619-208-5449 Page 14


DALVIN CARRINGTON

ELISA RAMIREZ

MIGUEL ESQUITIN JR.

Hello everybody, my name is Dalvin Carrington. I was born in the Inland Empire and currently reside in Victorville, CA. I am a recent graduate from California State University, San Bernardino with a Bachelor of Arts in Business Administration. Cars and motorcycles are my passion because they give me an adrenaline rush. If I could have dinner with any famous person it would be Dwayne “The Rock” Johnson. I am interested in knowing how he transitioned from a successful actor to businessman. One of my goals in life is to repay my parents for everything they have done for me.

Hello, my name is Elisa Ramirez. I am a Latina who was born and raised in Whittier, CA. I have built strong, lasting relationships which helped me to establish an extensive sphere of influence within my own community, where I still reside today. During my undergraduate studies at CSUF, I began tutoring math and science to high school students and developed a passion for teaching. In pursuit of this, I attended USC to receive a Master of Arts in Teaching. Coming from a family of educators and having committed my career to helping others, it was a natural transition for me to pursue a role in the mortgage industry. Being a wife and working mom means that I love spending most of my spare time enjoying a meal with my family in the comfort of my own home. I have an adventurous soul and love to try new things. Some of my hobbies include watching comedy films and making my own candles. A few fun facts about myself are that I am a January Capricorn and can quote movies and song lyrics as if my life depended on it. Hi AFN family, my name is Miguel Esquitin, Jr. One interesting fact about me is that I am the fifth generation of first-born males holding my name. I was born and raised in Downey, California. My father was born in Mexico and moved to the U.S. when he was 8 years old. My mother was born and raised in Oregon and moved to California at the age of 14. My parents met in high school and had two children together, the other being my sister Nichelle. In 2021, I graduated from California State University Dominguez Hills with a B.S. in Criminal Justice Administration. My hobbies include surfing, snowboarding, skating, and hiking. Sports have always been a big part of my life, I grew up playing football, track and basketball. My favorite dish is creamy Italian pasta, with Mexican food coming in second place. While at AFN, I plan on learning as much as I can about the real estate industry and applying my knowledge to build my personal financial wealth. Page 15


Federal Housing Administration (FHA) Directives and Updates Bulletin # 22-047

With its FHA INFO 2022-68 bulletin (dated June 29, 2022), FHA announced updates to the Single Family Housing Policy Handbook 4000.1. Updates may be followed immediately and must be implemented no later than September 26, 2022 (Transmittal changes must be implemented for mortgages with case numbers assigned on or after September 26, 2022). 1. Use of Third-party Verification vendors for occupancy verification is now permissible. 2. Documentation derived from the Internet, such as bank statements, are no longer required to include the Uniform Resource Locator (URL) address and the date and time printed. 3. For Cash-Out Refinances, changed requirement that all borrowers must have owned and occupied the property for at least 12 months to at least one borrower must have owned and occupied the property for at least 12 months prior to the date of case number assignment. With HUD Mortgagee Letter 2022-09 (dated July 7, 2022), FHA discussed calculating income for borrowers who experienced a gap in employment or reduction of income due to the COVID-19 National Emergency and experiencing a COVID-19 Related Economic Event. Updates may be followed immediately and must be implemented no later than September 5, 2022. Flexibilities include: 1. An hourly wage earner exception when averaging earnings for hourly employees whose hours vary (including borrowers working for family-owned businesses; part-time employees; overtime, bonus, and tip income; and commission income. a. Must be calculated using the lesser of the average of the income earned prior to the COVID-19 Related Economic Event or average of the income earned since the event. 2. A self-employed exception to allow aggregated two-years self-employment history before and after a COVID-19 Related Economic Event. a. If the aggregate is between one and two years, the income may only be considered effective income if the borrower was previously employed in the same line of work in which the borrower is self-employed or in a related occupation for at least two years. b. For self-employed borrowers who have regained income at a level less than 80% of their income prior to

Page 16


the event, the file must be downgraded to a manual underwrite. c. For self-employed borrowers with a reduction of income due to a COVID-19 Related Economic Event, the following documentation (in addition to the current FHA Self-employment income required documentation) must be provided: • Letter of Explanation (LOE) for the time period of income loss or reduction • Business tax returns for the most recent two years and one of the following: o Audited YTD P&L Statement reporting business revenue, expenses, and net income up to and including the most recent month preceding case assignment; or o Unaudited YTD P&L Statement signed by the borrower reporting business revenue, expenses, and net income up to and including the most recent month preceding case assignment and three of the most recent business bank statements no older than the latest three months represented on the YTD P&L. NOTE: This does not apply to borrowers who did not experience a COVID-19 Related Economic Event and qualify under FHA’s standard qualifying parameters. d. For self-employed borrowers with a COVID-19 Related Economic Event who have regained at a level greater than or equal to 80% of their income prior to the event for a minimum of six months, income must be calculated as the lesser of gross self-employment income earned over the two years preceding the event or the average over the previous six months (after the event). 3. Employment Gap/Temporary Reduction in Income: Exceptions for addressing gaps in employment or reduction of income due to a COVID-19 Related Economic Event for wage earners and self-employed. With HUD Mortgagee Letter 2022-11 (dated July 12, 2022), FHA discussed revised appraisal validity periods. Updates apply to case numbers assigned on or after June 1, 2022. 1. Appraisal Validity: a. Initial Appraisal: Validity period is 180 days from the appraisal report effective date. b. Appraisal Update: If the initial appraisal report will be more than 180 days at funding (Disbursement Date), an appraisal update may be performed to extend the appraisal validity period. 1) When an initial appraisal is updated, the updated appraisal is valid for one year after the initial appraisal report effective date. 2) The optional 30-day extension is no longer necessary. 3) The requirement of an appraisal update to be performed prior to the initial appraisal expiration date has been removed. 2. Ordering Appraisals: Mortgagee (AFN) must order a new appraisal for each case number assignment and may not reuse an appraisal that was performed under another case number, even if the prior appraisal is not yet 180 days old. Please address questions regarding this information to the AFN Underwriting Scenario Desk. Page 17


The Unfair Deceptive or Abusive Acts or Practices ("UDAAP") — An Overview AFN takes a proactive approach to ensure companywide compliance with UDAAP. UDAAP is a broad and liberally interpreted statute that regulators can apply when determining if a lender is engaging in unfair, abusive, or deceptive practices when advertising, originating, processing, underwriting residential mortgage loans. In short, UDAAP can be applied at any point in the life of a loan. Below is an overview so that you may better understand and avoid UDAAP business practices. Legal Standard Although the below does not come close to a complete legal analysis of UDAAP, it does provide a quick summary of the three elements of UDAAP: (1) Unfair, (2) Deceptive, and (3) Abusive.

Element One - Unfair An act or practice is unfair if: • The act or practice causes or is likely to cause substantial injury to consumers. This is usually monetary harm. Actual injury, however, is not required; significant risk of harm can be enough to satisfy this element. Further, a company-wide act or practice that causes a small amount of harm to a large number of consumers may also be deemed substantial injury. •

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Consumers are not reasonably able to avoid the injury. Any act or practice that interferes or hinders a consumer’s ability to effectively make a decision or to take action to avoid injury will be deemed unfair. This is not about a consumer could have made a better choice. Rather, this has to do with whether an act or

practice hindered a consumer’s decision-making ability. For example, a consumer cannot avoid injury if they are coerced into making a decision or a transaction occurs without a consumer’s knowledge or consent. •

The injury is not outweighed by countervailing benefits to consumers or competition. This can include lower prices to the consumer or a wider availability of products and services resulting from competition.

Element Two – Deceptive Acts or Practices An act or practice is deceptive if: • There is a representation, omission, act, or practice that misleads or is likely to mislead the consumer. Examples of acts or practices that may be deceptive include, but are not limited to: • Misleading costs or price claims; • Offering to provide a product or service that is in fact not available; • Using bait and switch tactics; • Omitting material limitations or conditions from an offer; or • Failing to provide promised services. Acts like this can be avoided by providing prominent statements, presented in an easy to understand and non-distracting format. Further, clarifying statements should not be buried in fine print and should be close to any claims that required additional clarification. It is imperative to note that fine print disclosures may not be enough to correct a misleading statement or representation, particularly where the consumer


is directed away from qualifying limitations or is counseled or made to think that reading disclosures is unnecessary. •

The representation, omission, act, or practice must be considered from the perspective of the reasonable consumer. Although a reasonableness standard is applied here, please note that a representation may be deemed deceptive even if the majority of consumers do not share in that interpretation. This element may be met so long as some consumers are or may be misled. he representation, omission, act, or practice T must be material. Information such as costs, benefits, or restrictions on use or availability, are presumed to be material. Knowingly false claims are also presumed to be material. Express claims regarding a financial product are also presumed to be material. Omissions will be presumed to be material when a company knew or should have known that the consumer needed the omitted information to evaluate the product or service.

all advertising and other promotional material to ensure that they fairly and adequately describe the terms, benefits, and/or material limitations of loan products offered and that these materials do not make any misrepresentations either expressly or through omission. Below are some of the things we look for when reviewing advertising with respect to UDAAP: •

That advertisements do not contain fine print, separate statements or inconspicuous disclosures to correct potentially misleading headlines;

That there is a reasonable factual basis for all representations made;

That the advertisement draws the consumer’s attention to key terms, including limitations and/ or conditions that are important in enabling the consumer to make an informed decision as to whether the loan product meets the consumer’s needs;

That the advertisement clearly discloses all material limitations and/or conditions on the terms or availability of loan products;

That the advertisement clearly discloses any limitations, conditions, or restrictions on the offer when using terms such as “pre-approved” or “guaranteed”;

That the material does not make claims, representations or statements that mislead members of the target audience about the cost, value, availability, cost savings, benefits, or terms of the loan product; and

That the advertisement avoids advertising that a particular product is available if AFN does not intend or is not able to provide it at that time or to most consumers (this includes advertising rates only available to a small portion of the population).

Element Three – Abusive Acts or Practices An act or practice is abusive if: • The act or practice materially interferes with the consumer’s ability to understand a term or condition of a consumer financial product or service; or •

The act or practice unreasonably takes advantage of the consumer’s: • •

lack of understanding of the material risks, costs, or conditions; inability to protect its interests in selecting or using a consumer financial product or service; or reasonable reliance on a covered person to act in the interests of the consumer.

Advertising and UDAAP To avoid engaging in unfair, deceptive or abusive activity, in addition to other practices, AFN reviews Page 19


Center of

Influence Series

for Construction & Renovation By: Bruce Smith, VP of Construction & Renovation

Page 20


Expanding Your

Center of Influence with Additional Products

I like to use this Construction and Renovation Corner to provide industry and company division updates. Sometimes we use it as a reminder. Currently, with rising rates, production has slowed down and it is cyclical and inevitable. To withstand the decline, we look at expanding our centers of influence, as Matt and John would say. In addition, we look at what we can do to replace that volume. The answers lie in adding additional products to your portfolio. That is where Construction to Perm (CTP) and Renovation products come into play. These products, along with the support of the Division will give you the opportunity to capture a market share that is not competitive. Substitute your declining business with new business. Inventory is still historically low and the 3 points below are not debatable.

1.

Low inventory = Most homes on the market will need updating and renovating.

2.

Low Inventory = Most buyers will give up their search and look to renovate their existing homes.

3.

Low inventory = Buyers will turn to new construction.

Although we have trainings every Tuesday, the last two weeks in August we will be hosting national webinars for Renovation and CTP. Please be on the lookout for those invitations.

For more information on renovation, please email renovationdivision@afncorp.com For more information on construction, please email constructiondivision@afncorp.com Page 21


N PROPS F A

Thank you for participating and sharing your appreciation for your fellow Team AFN members. We encourage you to keep submitting props for your co-workers! Below are just a few that were submitted in June. Give Props Now!

I say it all the time but Brenda is wonderful! She makes closing so easy, she always replies quickly to my emails, and she takes my calls any time I have questions. Thank you for always being willing to go above and beyond, Brenda! I love closing with you! Awarded to: Brenda Rodriguez, Closer Given by: Kendra Montgomery, Processor

Ashley and Celeste bring an incredible warmth to the team. They are always willing to help and go above and beyond to make all team members feel valued and included. Thank you for all that you do on a daily basis! Awarded to: Celeste Davis, Administrative Assistant and Ashley Campman, Receptionist Given by: Kristin Sensenbach, Social Responsibility Specialist

Josh was more than accommodating. Took the time to explain the needed actions so I don't make the same mistake twice. Great asset to our Team! Awarded to: Josh Shrader-Perry, Jr. Encompass Administrator Given by: Jon Carrico, Divisional Manager


Brenda Rodriguez Closer

Everyone at the BAM desk is always so helpful and kind and knowledgeable-but I would like to give Paula extra props. This gal goes out of her way to assist and direct and as busy as she is, she ALWAYS takes time out of her day to help me. She's the best and is currently my hero. :-) Awarded to: Paula Allensworth, Branch Account Manager Given by: Teri Ragon Lumpkin, Jr. Processor

Raul always goes above and beyond to help. If he doesn't know the answer he will offer resources and guidance. I am grateful to have him as a coworker and he is a one of a kind asset to AFN. Thank you for all you do! Awarded to: Raul Esparza, Branch Relations Manager Given by: Stephany Garcia, Branch Account Manager

Susie has helped myself and my team in ways I could never imagine. Never have I worked with someone so dedicated to helping employee growth and development. She truly is a humanitarian and I could not thank her more for the effort she puts into her craft! Thank you Susie =) Awarded to: Susie Sensenbach, National Director of Human Resources Given by: Yanni Stefanis, Director of Sales Management Training

Maui not only provides amazing and thoughtful snacks, but goes out of his way to support his team. He has done an incredible job being a mentor and instructor to our summer intern Manuel, sharing his knowledge and passion for the culinary industry. Thank you Maui for all you do! Awarded to: Maui Silva, Corporate Chef & Kitchen Manager Given by: Kristin Sensenbach, Social Responsibility Specialist

Kristyn is AMAZING! She goes above & beyond and we can always count on her to be thorough and get our closings done right. Kristyn is a key player in our success and one of the biggest assets to our branch! Awarded to: Kristyn Downey, Closer Given by: Amy Hart, Processor Page 23


Jon’s team was amazing with amiable staff with clear & coherent communication. The whole loan process went really smooth and we were able to close the process earlier than anticipated. Highly recommend Jon and his team for home buyers in Austin!

JON ANDREONI LENDFRIEND HOME LOANS

Keisha was PHENOMENAL!!!! I've already recommended several family and friends to her. She went above and beyond for me. Her level of professionalism was top tier. There were times I became overwhelmed with outside parties and she held my hand and helped center me. I will forever be thankful for having her as my Loan Officer.

KEISHA DURAND LANDMARK MORTGAGE PLANNERS - OCALA

Thank you so much Christian Jimenez. You were amazing from the first conversation we had and throughout the entire process. You and your team (Susan, Paula, Daniella) deserve every blessing coming your way. I’m so thankful for Corey and you. You guys made a long time dream come true. The process and becoming a homeowner is still surreal. But you all made it worth while. Please keep up the amazing work; I will be referring clients to you all in the near future.

CHRISTIAN JIMENEZ IDEAL LENDING SOLUTIONS - WEST PALM BEACH

Toby's professionalism and wisdom made the entire experience so much more enjoyable and less stressful. His knowledge of how everything works and ability to relay that to us eased the entire process. I honestly dont think we could not have done it without him. Thank you to Toby and his team so much!

TOBY THURMAN LENDFRIEND HOME LOANS

Cindy and her Team at AFN were amazing! They made our home buying experience as smooth as can be, even during these challenging times. Excellent communication! My family and I are very thankful for the AFN team and we highly recommend to you and yours.

CINDY VIERRA Page 24

JC MORTGAGE


Experience.com June Top 10 Leaderboard BASED ON EXPERIENCE.COM LEADERBOARD STATS

SHAUN SUTTON LAKE MARY

I was a first time homebuyer, and my first experience was excellent! I didn’t have much of an idea where to even begin, and Shaun helped me through the entire process, and the communication and execution was flawless. Thanks Shaun!

1. Shana Enriquez

Ideal Lending Solutions - West Palm Beach Score: 4.98 | Reviews: 9

2. Brett Labadie

The Monroe Group

Score: 5 | Reviews: 8

3. Toby Thurman LendFriend

Score: 4.98 | Reviews: 7

4. Jacob Emmel Plano

Score: 5 | Reviews: 7

SHANA ENRIQUEZ

IDEAL LENDING - WEST PALM BEACH

Shana made the entire experience absolutely wonderful!! She was quick to respond to questions, explain any and everything as well as being available even when she was out of the office. We couldn't have asked for anyone better!

5. Keisha Durand

Landmark Mortgage Planners - Ocala Score: 4.97 | Reviews: 6

6. Samuel Ary Nova

Score: 5 | Reviews: 6

7. Christian Jimenez

Ideal Lending Solutions - West Palm Beach Score: 5 | Reviews: 5

8. Sue Albritton

Landmark Mortgage Planners

Score: 4.98 | Reviews: 7

JAYLEND JONES THE IRVINE BRANCH

Jaylend is a trustworthy and all around great person. He helped me through every part of the process. I appreciate his work ethic and getting stuff done. He made this all possible at a time I was in much need, couldn’t have done it without him. 5 star service.

9. Joshua Felzer

D'Onofrio Region

Score: 5 | Reviews: 5

10. Joseph Lose Burlington

Score: 4.97 | Reviews: 6


New Jumbo & Bank Statement Marketing Materials Share the news of these new products recently released. Search the keywords "Bayview, Truist and Wells Fargo" in Marketing Campaigns Library in iConnect to locate flyers and emails.

Visit iConnect

Download Posts

Intro to Marketing Training Are you new to AFN or need a refresher on the marketing offering available to you? Join us for our monthly training!

Sign Up Now

Recorded Trainings

iConnect Training Are you using iConnect to your fullest advantage? These training resources are available to you so you can put the system to use for you!

Page 26

Live Training - Part 1

Live Training - Part 2

(next training is July 5)

(next training is July 19th)

Training Guides


Keep your pages up-to-date with fresh AFN branded content. Weekly Content Download Social Media Library

Page 27


Summer Discount

New Logo Items in Stock Now! Get your 15% discount off the lowest sale price on all Team AFN Logo items today with promo code SUMMER15. Shop Now

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February July

3 Anthony Taylor David Devlin Gina Mcginley Jerad Lafond Jess Ball Rollie Mabbun Teri Ragon Lumpkin Victoria Stein

4 Cesar Alvarez Joseph Felicione Vincent Gottuso

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Cecilia Soto Romero Diane Fontana Jonathan Theckston Joseph Mcdonald Merv Bannister Travis Bredeson Veno Dahman

Brian Mihalik Carilynn Judy David Garofalo Eric Brancale Hannah Ross Lisa Anastacio Marlow Hooper Rae Wu

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Barbara Perez Bob Relihan Bryan Duarte Dawn Jacobs Giavanna Dipillo Gina Redfern Holly Miller Miguel Urzua-Cadiz Rianne Agduyeng Stephanie Miranda

Caitlyn Fulton Grace Reed Jared Rogers

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5

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1 Aleksandr Berger Debra Sweatt Erika Feller Michael Smith Sage Lake Tatiana Herrera Tiffany Scalici Valerie Booterbaugh

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14

20 Amy Valdivia Kelli Hadden Mickey Scannell Roseann Desantis Roxanne Barraza Ryan Sloper Shane Parker

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28 Kristin Sensenbach Missy Asp

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29 Daniel Candelario David Randazzo Dee Lanier Hunter Fish Joshua Black Mario Teixeira Sheila Meyer Stefanie Barkey Vicki Semmler Yaneida Nieves

30 Bill Bright Brian Gussler Jeffrey Dovberg Keith Frierson

Page 31


1 Aiyana Parkman Christopher Gabler Christopher Wise Joel Duarte Julie Hulbert Michael Vetri Sr

February February August 7 Courtney Mckinney James Abrams Jeff Katsirebas Rana Ghannam Robert Sullivan

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14 Abigail Crain Devang Joshi Mark Baker

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16 Andrew Cannon Bethany Maclachlan Brandy Rhea Gregory Rogers Mackenzi Lunsford Michelle Prichard Nina Rowan Quinton Wilson Richard Winton Vincent Natoli Zachary Mato

22 Anthony Eason Denise Addari Greg Strano Ilse Rodriguez Salvatore Fuschetto Stevie Marshall

Casey Fontana Oscone Roger Reyna Oreo Ruchika Sindhu Digiovanni

9 Ashley Morgan Barbara Catlin Brooke Sevigny Darlene Barnes Darrie Aquino Khayan Martinez Reyes Luis Gutierrez Steven Taylor Theodore Washington

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Christopher Conlon Elizabeth Gatewood Gregory Munsterman Mona Rios

2 Alma Orihuela Amber Setchel April Hong Bill Holt Camila Gomez Caroline Ivy Caroline Oxamendi Maria Gonzalez Mary Elise Divita Matthew Blitz Seth Daniels Sheldon Clarke Sue Monga

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29 Augusta Gordon Michelle Lensky Mike Hajjar Pedro Martinez Marty Sara Mcintyre

30 Hannah Cook Jaclyn Kucinski Joshua Macy Pavel Franco Rk Baviera Robert Sullivan Stacy Taylor Tara Perez


3 Brooke Peters Carly Peterson Chelsea Sweatman John Bruno Joshua Montano Karoline Puma Kyle Styers Lexi Garcia Maureen Vella Phil Corcell Veronica Brashear

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31 Brian Nguyen Cenae Baldwin Jomari Mamaradlo Larry Thompson Michelle Wood Monica Schroeder Monica Schroeder She Sabalo

Page 33


Tips On How

You Can Protect Yourself And Your Clients From

FRAUD

Apex takes you and your clients' security seriously. According to the FBI's latest Internet Crime Complaint Center (IC3) report, in 2021, Cybercrime in the Real Estate/Rental category saw a loss of $350,328,166. The total amount reported was $6.9B! The report, shared on the American Land Title Association website, further stated: America experienced an unprecedented increase in cyberattacks and malicious cyber activity as U.S. consumers lost $6.9 billion to internet crime in 2021, according to the latest report from the FBI’s Internet Crime Complaint Center (IC3). Real estate/rental cybercrime losses reached $350 million in 2021, up from $213 million in losses in 2020. The number of victims, however, decreased to 11,578 from 13,638 in 2020. (Source - https://blog.alta.org/2022/03/cyber-losses-hit-69b-in-2021.html)

Real Estate fraud is one form of fraud that can take place during a transaction with which the title/settlement services may have direct interaction. Good Morning America recently covered this topic to discuss how rampant this has become. The piece was titled “New Warning about Rise in Home-Buying Scams” (https://www.goodmorningamerica.com/news/video/warning-rise-home-buying-scams-84464050)

WIRE TRANSFERS are a prime target for fraud, and the internet has played a crucial role. Wire fraud occurs when the fraudster intercepts outgoing or incoming wires and redirects the funds to a different account – oftentimes outside of the country. You have seen the stories in the news of fraudsters posing as Real Estate Agents, Lenders, Title Companies or even Borrowers and Sellers, whereby they intercept legitimate wires by changing wire instructions at the last minute to have funds redirected elsewhere. Unfortunately, in many of these cases, time is of the essence and the fraud is not noticed immediately. By the time it is noticed, the money is gone.

Page 34


PHISHING FRAUD is when a fraudster uses email, text, phone calls or other methods to try to obtain banking details. This type of fraud often overlaps with other types of fraud like wire fraud. Despite the growing threat of fraud, there are some things you can do to help yourself and your clients remain safe. Below we take a deeper look into these, along with suggestions to help protect yourself and your clients. Make sure you or your title and settlement partner utilize one of the several secured wire platforms that

1

are available. These provide client wire information to the settlement company through a portal that is securely connected to most U.S. banks. These digital identity and device verification services are used by title companies, law firms, lenders, Realtors, homebuyers, and sellers to prevent wire fraud. The technology uses enhanced features to verify the account holder matches the bank account information. Most come with significant insurance coverage for your transactions. APEX uses CertifID!

Be sure that wire instructions are confirmed with your clients by PHONE, NOT EMAIL!

2

• Many victims of wire fraud have been compromised through email. • Be alert to use of words that are not used often and in today’s vernacular or slightly misspelled words. For Example: Miche11e@Gmail.com (note the number 1 instead of the letter “l or L) • Mobile phone screens can often make it difficult to spot discrepancies, checking the address on a desktop or laptop screen makes it easier to notice anomalies. • APEX always verifies wire information by phone with your borrower(s)!

3 4 5 6

Verify wiring process with your vendors • Fraudsters have figured out ways to hack logos and signatures, all in an effort to make emails with wire instructions look legitimate. APEX will always call to confirm! You should share with borrowers that you will never request or send this information by email due to security risk of the account being hacked or compromised, and that any such request or sending information by email is likely a scam.

Do not transmit personal information such as ss# and bank account info via email unless it is through a secure, encrypted email. APEX uses IDENTILLECT!

You can always ask for and receive your Federal Wire Reference Number. • This reference number is a unique identifier assigned to the Federal Government through the financial institution that can be used to tract and investigate the wire from the initiating bank to the receiving bank. • Your title and settlement provider can provide you with this number. When dealing with non-US citizens/Foreign Nationals, many title and settlement companies may insist on

Page 35


7

only transferring funds to and receiving funds from banks located on U.S. soil. • This can be a requirement of their Title Underwriter. • You should check with your provider to see what, if any, specific procedures need to be followed. • APEX is well versed on working with non-US Citizens!

8

If you feel you have become a victim of wire fraud, notify your bank immediately! • Follow all AFN procedures! Though it is not always possible to recover funds that have been misdirected, the sooner the fraud is detected and reported, the better the chance of possibly recovering the funds.

THE LOUDER THE BETTER! Wire Fraud seems to feel like a shameful event in one’s life, and sometimes we choose to keep the story and the warnings to ourselves. We pretend it did not happen and live with the guilt of being a victim. Fraudsters know this and thrive on us keeping our silence in order to prey on more innocent people. They make a career out of this. Get your story out, listen to others who share their story and learn from their mistakes. When it comes to money, do not be afraid to ask questions. If you feel something is odd, don’t give in to it. You are not alone. In a Real Estate transaction there are many key players like the Realtors, Loan Officer, Processors, Escrow Officer, Settlement Agent, Title Agent, etc., who… you can contact to run your situation by, and confirm you are on the right track. Take your time when it comes to you and your clients’ funds! The more we all talk about this subject, the more we make others aware of the RED FLAGS!

Contact us today to learn more! Orders@ApexClose.com • www.apexclose.com Page 36


AFN SUMMER INTERNS This month we said goodbye to our four fabulous summer interns at our corporate location. Though the six-week program flew by, we were thrilled to partner with Orange County United Way's Student Success program and teach them the ins and outs of working in a corporate setting. Is your branch interested in hosting a student intern program? Contact your Social Responsibility Specialist at kristin@afncorp.com for more information on how to get involved in your community.


58 KITS

UNITED WAY OC

GOAL EXCEEDED!

ELEMENTARY SCHOOL SUPPLY

DRIVE

2 FULLY STOCKED CLASSROOMS

THANK YOU TEAM AFN FOR ALL OF YOUR GENEROSITY AND SUPPORT FOR YOUR LOCAL ELEMENTARY SCHOOLS


LAST CHANCE TO JOIN! FIRST ANNUAL

HOG ROAST FUNDRAISER Join us for Enable The Disabled's 1st Annual Hog Roast on July 31st, 2022. All proceeds go directly to supplying adaptive equipment to those in need. To purchase your ticket text/call 734-625-2096 or 734-347-5778. Carr Park 9208 Lewis Ave. Temperance MI, 48182 3:00PM-7:00 PM

$50 Ticket includes food, drinks & fun.

Our SERVICES

Our OBJECTIVES

ADAPTIVE EQUIPMENT Adaptive equipment can be extremely expensive. We provide access as many opportunities as possible, with little to no cost for the recipient. Examples of adaptive equipment may include: Manual and Powered Wheelchairs Positioning Equipment Sports Equipment Mobility Scooters Standing Wheelchairs Beach Wheelchairs Shower Chairs Toileting Chairs Walkers Prosthetic Devices And Many More

VERIFIED NON-PROFIT

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SCOTT CALLOWAY

ENABLE THE DISABLED CEO & AFN LOAN OFFICER

Our goal is to make sure that all persons with a disability can be enabled to lead a productive social, emotional, and accessible life, regardless of ability to pay. We want to Enable the Disabled to live a life of quality, enjoyment and productivity!


Branch Wire Contributors Contributors Andy Kalyviaris, Esq. CCO | General Counusel April Hong Director of Processing

With the recent rate hikes, it's a good time to let your database know about what the rate hikes mean to them, and to consider refinancing or purchasing before the rates hike again. Search "rate hike" in iConnect to find emails and flyers.

Bruce Smith VP of Construction & Renovation John Sherman Chief Executive Officer Jon Gwin Chief Operating Officer Juvie Magalim Human Resource Administrator Kristin Sensenbach Social Responsibility Specialist Michelle Esparza Sr. Vice President, Apex Nasim Tourigny VP of Underwriting & Credit Policy Raul Esparza Branch Relations Manager Yanni Stefanis Director of Sales Management Training

Editor-In-Chief Lisa Petras Director of Corporate Communications

Managing Editor Corey Trujillo VP of Marketing & Creative Services

Designers Visit iConnect Download Posts

Ashlee Buckley Marketing Director Hanz Lucero Graphic Designer For Internal Use Only