1. Each quarter,the executive teammakesthe determinationthatone employee hasexemplified and
consistentlyreinforcedthe COREValuesof AnnieMac.Throughcareful consideration,mediationand an
“imperfectlyperfect”process,ourcompanyleadersagree uponone individual toreceiveourhighest
esteemasthe AnnieMacMVP.Aftermuchevaluation,muchcomparison,anddelegation,itwasdecided
that WesCostellowasourhighestappraisedemployee –pun intended.
Weshas beenwiththe companysince February2011, justbefore formation.Asthe Collateral Valuation
Director,Wes’roll isintegral,ensuringthe valuationof borrowers’propertiesisaccurate,bypartnering
withAppraiserswhohave the geographiccompetencytocomplete the assignmentsaccurately.Like
mostof the mortgage industry,everythinghastobe done quicklyandaccurately,andthe valuationof a
home isparticularlysensitiveforthe worstcase scenario,where aborrowermaydefault. Wesisknown
for beingaverydedicated,punctual,reliable andknowledgeableresource,andhisdeliveryisalways
withthe utmostprofessionalismandkindness.He exemplifiesCOREvalues,andreinforcesthe ideal
moldof an employee withinthisorganization.Evenwhenaskedwhathe enjoysmostaboutworkingfor
AnnieMac,Wesidentifiedcharacteristicsof hispeersandthe company’sleadership,furtherenforcing
these qualities:““whenAnnieMacwaslaunched,Isaidthat the bestthingaboutworkinghere wasthe
freedomtodevelopandimplementbetterprocessesforabettermortgage company. Seniorleaders
neverdidthingsacertainway simplybecause ourpeersinthe industrydiditthatway,and they
encouragedandenabledthatspiritthroughoutwhatat that time wasa small company. Asthe company
has grown,that initiative haspersisted. Whatis differentnow isthata lot more smart,forwardthinking
individualswere drawntojoinusandcontinue tobe drawn to workhere. Seeingyourco-workers
dedication,initiative,andrelianceonteamworkdrivesyou. Andthatis whatmakesAnnieMacsucha
funand rewardingplace towork”.
Wesis not merelyareliable resource forwork,however,he isalsoaconnoisseurforsportsrelated
knowledge aswell.He will tell youthatBrianDawkinsisthe bestsafetytoeverplaythe game,as well as
hisfavorite athlete.He willsay thatthe 76ers are just20 yearsfroma championship, andsarcastically
say that the PhiladelphiaSoul are the bestsportsfranchise inthe city( thoughI personallythinkhe
really isa big fanof BonJovi). While talkingSports,andnotonoffice hoursobviously,youmaycatch
WesenjoyinganIPA fromthe BoulevardBrewingCompany.
Wes,we are figurativelyraisingourglassto yourperformance,yourdedicationtothe company,and
your effortstocontinue tobe the ideal AnnieMacemployee.Thankyouagain,andcongratulationson
beingthisquarter’sMVP!
"Borrowers,RealEstate Agents,and Loan Officersalike,during the hustleand bustle of closing loans,all
too often forgetthe factthatAnnieMaclendshundredsof thousandsof dollarsto borrowerswho

2. sometimesputlittle to no money down with lessthan perfect credit scores. As such this can be an
incredibly risky ventureif not managed properly. So should a borrowerbecomeseriously delinquentwe'd
better be surethe valueof thehomeis accurate. To makematterseven morecomplicated,you need to
provideexcellent service to yourcustomerbaseduring thevaluation process. In my experienceI've never
met anyonemorequalified than WesCostello to balancethesetwo competing mandatesof qualityand
service. Thankyou Wes forall thatyou do to keep AnnieMacand its employeebasesafe. This award is
very well deserved."– Joseph Panebianco