Steven Umstead Email and Phone Number

Those that know me, know how passionate I am about anything I believe in. For those that do not know me, you’ll soon find this to be true. With over 15 years banking experience and 1,700 contacts made in WNY, I have the knowledge, experience, and ability to help solve challenges that may arise in the homeownership process. The first step is getting to know your specific wants, needs, and desires. While the destination may be getting you into your new home, the process is a journey wherein you will get to know me, as I listen to and learn more about you! Although the mortgage process has become quite automated, I believe a personal touch will help guide you through the process I am here to help you every step of the way. My decision to join 1st Priority Mortgage was partly due to the company’s cutting edge technology, paired with its unmatched loan programs. Whether you need VA, FHA, USDA, Conventional, Buy Before You Sell , or are just wanting to take a 2nd Look, we have programs tailored to match your individual needs. If you’re looking for a specialty program, such as a 203K Rehab Loan, a Doctor Loan, or our newest SONYMA Graduate to Home Ownership program, we have you covered and you’ve come to the right place. 1st Priority has rooted its core values on building a life of abundance- finding balance between work and home. In the spring, most of our family time is spent on a baseball field, as both of my boys play and I coach a travel baseball team (the ANJO Bombers).I also enjoy volunteering my time to serve many great non-profit organizations in WNY. These include serving as Treasurer for Mid Erie Mental Health, former Chairman of the Board of Directors for Lancaster Chamber of Commerce, and the Summer Affair Committee for Erie County Hospice where I have served for the past 6 years. Thank you for your confidence in me to help guide you and/or your family through one of the biggest financial decision in your lifetime. I look forward to serving you!

Branch Manager – George Urban Blvd - 2066 George Urban Blvd, Depew, NY 14043 (June 2010 to March 2016) Large Branch (approximately $95,000,000 deposits/loans) - 12 employees and full investment broker and full time mortgage broker. Grew the branch to $135,000,000 in 6 years.• Promoted to highest transaction volume, 3rd largest deposit branch in WNY in just 9 months.• Grew Consumer lending from $1,638,000 (2010) to $9,373,000 in 5 years, finishing #1 or #2 • Won 4th quarter 2010 consumer loan contest for the entire retail division (Country) • Won 1st quarter 2011 consumer loan contest for the retail division • Won 3rd quarter 2011 mortgage loan contest for the retail division • Won 4th quarter 2012 consumer loan contest for the retail division• Won 1st quarter 2013 Fast Start payments contest for the retail division • Won 3rd quarter 2013 Switching con test for the retail division • Won 3rd quarter 2013 Fall Credit Contest for the retail division • Won 4th quarter 2013 Year End Business Commercial blitz-WNY contest• Elected Business Man of the Year by the Pulaski Police Association 2013• Won 1st quarter 2014 Fast Start payments contest for the retail division • Signature Circle Recipient for 2013 Branch ranking #1 in WNY and #7 in entire retail Division• Won Branch Manager of the year for 2013 in WNY• Won Branch of the Year for 2013 -1st time anyone had won both awards in the same year • #1 in Key@work production in WNY and #6 in the country for 2014 • #1 in Key@work production in WNY and #4 in the country for 2015 • Completed a 5 week - relief assignment for ARL managing our area Feb to March 2016 Branch Manager - Delton Plaza - 4248 Delaware Ave, Tonawanda NY 14150 (August 2009 to June 2010)Entry-level (approximately $45,000,000 deposits) position inside retail banking. Learned all of the nuances of retail banking. Led a 5-person branch team by personally demonstrating sales and leadership, which the branch had been lacking.

Branch Manager (Beneficial) - 2850 Niagara Falls Blvd, (December 2007 to April 2009)Enhanced overall branch profitability by driving growth and controlling expenses thru continual staff development. Led a multi - person sales team in a financially challenging environment by improving sales performance, team work, inter-office morale and customer loyalty.• Promoted to largest ($75,000,000) Branch in District while enrolled into the District Manager Training program • Re-designed plan to take over remote finance program as well as oversight of account executives • Analyzed District’s area of poor performance, redesigned, maintained and developed a system that was adopted by the entire Division • Delivered an over 50% increase in production while streamlining operations, and earned a #1 ranking for the District inside of a (1) year goal• Recognized on the Divisional Level and performed a relief assignment for Divisional AIB ManagerBranch Manager (HFC) - Lockport, NY (October 2006 to December 2007)Analyzed and developed business plans to return a once highly profitable office to one of noteworthy strength in the organization. Achieved goals by changing the mindset of employees already in place, which decreased expenses.Branch Manager (Beneficial) - Olean, NY (March 2004 to October 2006)Responsible for all facets of managing a multi-million dollar financial office. Duties included, but not limited to: money management reconciliation, HR functions, payroll management, budget concerns, growth achievement, and strict adherence to both company compliance and government regulatory concerns. Senior Account Executive - Branch Manager Trainee - Jamestown, NY (Jan 201 to March 2004)• Successfully managed two programs at the branch level to recognition in the Division; winning (President’s Council)

Retail professional with proven ability not only to drive sales results, but also effectively controlled expense of employee turnover. Accomplished this by employing a progressive scheduling system.* Director of Store Operations for the #1 rated retail pharmacy in the U.S. * Store won several sales contest—Most notably: Unilever “Leaders for Learning” * Critical involvement in “price off” process which saved thousands of dollars in expenses each year * Leader of New Store Opening and retro-fit team * Organized several store grand openings

Direct, “hands-on” Assistant to Store Manager. Was 3rd employee hired for new store Grand Opening. Responsibilities included delivering top down instructions to over 250 employees. * Primary duties included a 3 month tour in each of the main departments in the supermarket* Won outstanding Customer Service Award * Obtained knowledge on how to operate a large box supermarket with an emphasis on labor costs and shrink control, a huge controllable expense in a business with a low profit margin