Licensed FL Title Agent.Attorney owned and operated with offices in St. Augustine and Jacksonville. Our founding members have managed title operations throughout Florida and nationally, while also practicing real estate and development law. We issue owner and lender title insurance policies with some of the top underwriters in the nation. Coastal Living Title provides real estate settlement services with a heighted focus on security and the prevention of wire fraud. We strive to raise the bar on service levels in our industry and have a team of seasoned industry professionals that are available day and night to support our client needs. We provide the luxury, boutique, top of the line service that your clients deserve! Have a title question? Give us a call or send an email to Orders@CoastalLivingTitle.com!Title Insurance: We issue owner and lender title insurance policies with some of the top underwriters in the nation. In fact, much of our management team has worked in-house with these underwriters in the past. Settlement Services: We provide real estate settlement services with a heightened focus on security and the prevention of wire fraud. Our management previously served on a wire fraud prevention team operating across the country and provides prevention trainings to real estate professionals. Friendly Service: We strive to raise the bar on service levels in our industry and have a team of seasoned industry professionals that are available day and night to support your customer service needs. Your closing is meant to be a celebration and we love providing that experience for you! Contact Info: Daniel VanciseVP of Business DevelopmentCoastal Living Title, LLCwww.CoastalLivingTitle.comEmail: daniel@CoastalLivingTitle.comDirect: (904)710-8102Address: 111 Nature Pkwy, Suite 107, St. Augustine, FL 32092LinkedIn: www.linkedin.com/company/coastallivingtitle

Licensed FL Title Agent.Cowford Title was honored to be recognized by Fidelity with the Platinum Agent Award for 2021 & 2022!Title Insurance: Our team has decades of experience working with the nation's top title insurance underwriters. Indeed, much of our management team has worked in-house with these underwriters in the past. Rest assured that you will receive knowledgeable, top notch service! Have a title question? Give us a call or send an email to Orders@CowfordTitle.com!Settlement Services: We use one of the most secure escrow systems in the country. Our management previously served on a wire fraud prevention team operating across the country and now provides prevention trainings to real estate professionals on a regular basis. As such, Cowford Title has implemented additional security measures to combat rising fraud and will handle your settlement process with care!Friendly Service: At Cowford Title, we believe that you are more than a number. Your closing is meant to be a celebration, and our team thrives on providing that experience for you. We provide mobile closing options and have remote online notaries on staff. We love being a part of new chapters on a regular basis and taking the stress out of the process. Come close with Cowford Title and see for yourself!Contact Info:Daniel VanciseVP of Business DevelopmentCowford Title, LLCwww.CowfordTitle.comEmail: daniel@CowfordTitle.comCell: (904) 710-8102Address: 175 Durbin Station Court, Suite 701, St Johns, FL 32259LinkedIn: www.linkedin.com/company/cowfordtitle

• Increased Servicing revenue from $1.1MM in 2020 to $2.2MM in 2021. • 2020 Team Player of the Year Award.• Lead asset management & servicing personnel, owning all metrics & key numbers, taking full responsibility for the performance of the division.• Training & development of team members to be proactive & engaged experts in the areas of borrower/guarantor/asset research, borrower communication, watchlist issue identification, extension management, workout negotiations, draw management & communication, and all other critical servicing functions.• The inspection & oversight of all loans in delinquency, default & REO, ensuring all necessary action is being taken to resolve, pursue (legally), or dispose of assets.• Ensure division-wide SOPs are in place for all processes & procedures, and that these SOPs are maintained & updated regularly, & adhered to by all team members.• Maintain a high level of expertise in all DLP Lending products and procedures, including sales programs and guidelines, operational standards, & construction underwriting.• Spearhead all new initiatives across the division including new processes, new software adoption & implementation, & new growth directives.• Dedicated time to site visits & direct borrower interaction, focusing on Elite members.• Attendance & engagement at all Elite events, prioritizing Elite member engagement & relationship cultivation.• Aligned, communicative & productive Team Members through a culture of engagement, accountability & coaching. • Oversight (and leadership when necessary) of all division L10 & pipeline meetings, WIGs, & huddles, ensuring accountability of all to-do assignment, and resolution of all IDS matters.

• Lead and manage the DLP Capital Servicing company under the DLP Capital, LLC umbrella, owning all metrics and key numbers, taking full responsibility for the performance of the operating company.• Training and development of team members to be proactive and engaged experts in the areas of borrower/guarantor/asset research, borrower communication, watchlist issue identification, extension management, workout negotiations, and all other critical servicing functions.• Inspect the accuracy and team member engagement in all trackers.• Inspect all loans in delinquency, default, and REO to ensure active action is being taken to resolve, pursue (legally), or dispose of assets.• Ensure all of the DLP Capital company's policies and procedures are in place and are maintained, updated regularly, and adhered to by all team members.• Conduct monthly 1-on-1s with all DLP Capital Servicing team members to maintain alignment and cohesion throughout the team.• Lead all DLP Capital Servicing meetings.• Active participation and engagement in DLP Lending Sales & Operations meetings.• Active participation in quarterly Compliance Committee meetings for all DLP Real Estate companies.• Lead all new functionality across the department including new processes, new software adoption, integration, new reporting functions, and standards.• Monitor system of ongoing communication with borrowers on open loans, ensuring team member participation and engagement, and proactive loan/project analysis.• Identify and mitigate risk to ensure compliance with Servicing standards, both internally and externally is enforced.• Engage team members quarterly to assist in designing S.M.A.R.T. Rocks and Milestones.• Ownership of the operating company financial performance, maximizing NOI & PPP.

• Managed the Asset Management Department in all aspects of the administrative, financial, capital and operations of the GROUNDFLOOR loan portfolio. • Decreased loan portfolio default rate from 14.2% (January 2018) to 5.3% (December 2019).• Managed a portfolio of 620+ loans (as of January 2020) in 30 states.• Successfully asset managed a $1.2MM REO property in Washington DC that resulted in a principal and contract interest recovery for our investors.• Participated in monthly and quarterly meetings as a member of the management team to set department and company goals to grow the business.• Oversaw local third-party property managers, brokers, contractors, and various vendors.• Executed Notice of Defaults, Forbearance Agreements, legal documents, and other workout options.• Hired local attorney’s where the property is located and work directly with counsel to obtain a resolution on default/foreclosure files. • Ordered and review inspection reports and release construction draws accordingly. • Validated that the appropriate permits are obtained by contractors/project managers. • Created, implemented and managed GROUNDFLOOR’s property insurance and property tax tracking.• Implemented a more effective lien release process once the loan is satisfied.• Documented the FAQ’s for GROUNDFLOOR's website.• Created the Asset Management Department Handbook and training material.• Issued payoff statements to third-party lenders/title companies.• Published monthly project/renovation updates to our investors for the entire loan portfolio.• Conducted on-site visits to check the status of project renovations to ensure timely completion and repayment to our investors.• Management member of the Hiring Values Team, Lending Policy Committee, Risk Management Committee.

• 2016 Director’s Cup Award recipient.• Ensured individual and department goals are met by providing resolution and comprehensive written responses to client/attorney/executive complaints and inquiries.• In-depth analysis of account histories, processed service requests, approved and verified authorized requests, processed legal documents.• Resolved escalated issues in adherence with all government regulations, company, and department policies and procedures.• Reviewed and provided credit reporting dispute resolution.• Assisted clients and attorney’s with conflict resolution via extensive research.• Designed department policies and procedures for senior leadership.

• Developed and implemented required CFPB policies and procedures with multiple project teams.• Collected data from multiple levels of associates from front-line associates to SVP’s to review processes with the goal to reduce waste and increase value for the Servicing organization.• Completed internal audits on policies and procedures to validate compliance with regulatory and investor agencies.• Effectively managed resources within project teams with direct and in-direct authority – set clear expectations on deliverables and timelines.• Maintained lines of communication with all levels of leadership of procedure and staffing impacts.• Monitored the need for continuous process improvement from internal and external stakeholders.

• Extensive travel around the country representing Homeward Residential with litigation and mediations.• Continuous communication with internal stakeholders, attorneys, clients and mediators to prepare for court hearings.• Monitored activities of all assigned state-required mediations and ensured compliance and loan audits were adhered to.• Responsible for attending scheduled hearings both in-person and via telephone and represented the company with full settlement/signing authority.• Produced required reporting to clients and investors on all loans as requested.• Responsible for reviewing workout packages and auditing documents to ensure completeness.• Maintained composure in difficult situations while keeping the company and client’s best interest at the forefront.