AWARDS GALA SATURDAY, JULY 31, 2021 HILTON NORFOLK the MAIN the Pierson Russi Group at Morgan Stanley Congratulates 2020 Circle of Excellence Award Winners

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AWARDS GALA SATURDAY, JULY 31, 2021 HILTON NORFOLK THE MAIN The Pierson Russi Group at Morgan Stanley congratulates 2020 Circle of Excellence award winners

The Pierson Russi Group at Morgan Stanley Christopher H. Russi Senior Vice President Chartered Retirement Plan Specialist Financial Advisor 222 Central Park Ave., Suite 1800 Virginia Beach, VA 23462 757-493-2131 [email protected] https://advisor.morganstanley.com/the-pierson-russi-group

L-R: Christopher H. Russi Financal Advisor, Kristine Joyce Salvador Financal Planning Associate, Carl R. Pierson, Jr. Financial Advisor

2 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage JOB INFORMATION SPECIFICATIONS NOTES PROJ. NO.: 10019638 / 605144647 TRIM SIZE: 8.5" × 11" FINISHED SIZE: 8.5" × 11" MECH JOB NAME: WM Mkt Laine Russi LocAd BLEED: NA

POST-PROD.: TMPL:

CREATIVE STUDIO PICKUP: DESCRIPTION: WM Mkt Laine Russi LocAd 1585 Broadway, 23rd Floor MODIFIED BY New York, NY 10036 PAPER: TBD CH AR 04-26-21, CH PR 04-28-21 750 Seventh Avenue, 15th Floor CLIENT NAME: Jen Laine New York, NY 10036 PROJECT MGR.: Chris Byrne PRINTING: TBD COST CENTER: G529 APPROVAL

m1 DUE DATE: 08/27/2021 04:30 COLORS: CMYK FILENAME: 10019638 Russi m1 LAST MODIFIED: April 28, 2021 11:26 AM Thank You to our 2020 Circle of Excellencesm Advisory Group:

Aaronetta Stewart, Chair Greta Wiltz, Vice Chair

Russell Bryant Betty Sue Cohen Jackie Feagin Sharon Havice Linda Fox-Jarvis Katrina Griggs Barbara Kayes Mimi Kopassis Brittany Locke Tanya Monroe Edwin Rucker Sharon Simón Lakisha Williams Rebecca Wood

TABLE OF CONTENTS

5 REALTOR® of the Year 41 Mega Team Silver 49 Small Team Bronze 5 Distinguished Property Manager 41 Mega Team Bronze 50 New Homes Diamond Stud of the Year 42 Large Team Diamond 50 New Homes Gold Hammer 6 REALTOR® Longevity 42 Large Team Platinum 51 New Homes Silver Nail 8 Individual Diamond 43 Large Team Gold 51 New Homes Copper Flashing 10 Individual Platinum 43 Large Team Silver 52 Distinguished Property Managers 14 Individual Gold 44 Large Team Bronze 53 Distinguished Property Managers 19 Individual Silver 44 Small Team Diamond Longevity 28 Individual Bronze 45 Small Team Platinum 53 Outstanding Rookies 41 Mega Team Diamond 46 Small Team Gold 41 Mega Team Platinum 47 Small Team Silver

A on a photo designates a INDEX OF ADVERTISERS contribution of $35 or more to HRRPAC in 2020 made by the 2 Morgan Stanley 32 Hanger Law 7 Home Clean Heroes 42 Southern Trust Mortgage individual member. 11 CMS Mortgage Solutions 45 Old Republic Home Protection 17 Virginia Media 48 Tidewater Mortgage Services Members of teams who 18 Prosper Insurance 49 REIN contributed are not recognized. 21 Caliber Home Loans 56 Taskativity 27 Atlantic Coast Mortgage 57 OVM Financial See the full list of 2020 HRRPAC 29 Title Concepts 58 COVA Insurance contributors beginning on page 54. 29 Fulton Mortgage 59 Fairway Independent 30 Wells Fargo Mortgage Corporation 32 Movement Mortgage 60 TowneBank Mortgage

Thank you to our Presenting Sponsor, TowneBank Mortgage 2020 CIRCLE OF EXCELLENCEsm SDRAWA 3 Presenting Sponsor

Hall of Excellence Sponsor

Lower Thirds Virtual Sponsor Stage Sponsors

Reader Board Sponsor RegistrationReader Board Sponsor Sponsor

ContacT Priority US Today! 1-800-748-2174 ApprovalMixology/Bar Sponsors www.southerntrust.comDécor Sponsors The Priority Approval initiative is designed to give your client a fast and fully underwritten credit decision in one day. This gives you and your client the confidence to shop knowing that you can make a competitive offer and close the sale quickly.

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4 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage REALTOR® of the Year

Mary Ross Ellsworth, AHWD

BHHS Towne Realty

The Circle of Excellencesm Awards program is for members of the Hampton Roads REALTORS ® Association (HRRA) and recognizes the top-producing REALTOR® agents in the Hampton Roads Area. Each year, hundreds of REALTORS ® apply for these awards as they are a symbol of their hard work and dedication. Production categories include Individual Resale, Team Resale, New Homes, and Property Management. Nominated awards include REALTOR ® of the Year, Distinguished Property Manager of the Year, and New Homes Rookie of the Year.

These REALTORS® have reached a high level of achievement set forth by rigorous criteria and guidelines, through professionalism, due diligence, customer care and attention, and a strong knowledge of the real estate industry.

Distinguished Property Manager of the Year

Catrina Watson

Rose & Womble, Chandler Property Management

Thank you to our Presenting Sponsor, TowneBank Mortgage 2020 CIRCLE OF EXCELLENCEsm SDRAWA 5 REALTOR ® Longevity

Linda Fox-Jarvis Tom Seddon Trudy M. Hoff Angie Zengilowski BHHS Towne Realty Coldwell Banker NOW RE/MAX Alliance RE/MAX Alliance 40 Years 40 Years 35 Years 35 Years

Patti Frankenfield Charlee Gowin Dee Maltese Frank Trygar Jonell Walthall, CRS BHHS Towne Realty BHHS Towne Realty The Real Estate Group BHHS Towne Realty Howard Hannah Real Estate 30 Years 30 Years 30 Years 30 Years 30 Years

Neil Bennett Ann Davis Susan Pender Sandy Preiser S. Dane Scott BHHS Towne Realty BHHS Towne Realty BHHS Towne Realty Rose & Womble Realty Scott & Associates, Inc. 25 Years 25 Years 25 Years 25 Years 25 Years

Bea Cobell Tom Pullen Patricia Wiles Zuraw Jill Blank Donna Bosze, SRES Casey Bushey Rose & Womble Realty Century 21 Nachman Realty Howard Hannah Real Estate Rose & Womble Realty Century 21 Nachman Realty BHHS Towne Realty 20 Years 20 Years 20 Years 15 Years 15 Years 15 Years

Karen Davis Real Gary J. Kennedy Mark Llobell, Melanie Rice, ABR, Evelyn F. Thomas, ABR, Estate Team Howard Hannah Real Estate Associate Broker GRI, SRES GRI, CDPE, ASP, MRP RE/MAX Alligiance 15 Years Atkinson Realty Howard Hannah Real Estate Century 21 Nachman Realty 15 Years 15 Years 15 Years 15 Years

6 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage REALTOR ® Longevity (cont.)

Shannon Allen Cindy Caskey Janine T. DeMello Steven Ross Debbie Byrd Ellis Chandler Realty BHHS Towne Realty BHHS Towne Realty Dunbar, ABR Rose & Womble Realty 10 Years 10 Years 10 Years RE/MAX Alliance 10 Years 10 Years

Mary Miller Gentry Mona Ghobrial Doug Kuett Carl Master Page Atkinson Josh Parnell BHHS Towne Realty BHHS Towne Realty BHHS Towne Realty BHHS Towne Realty Miyares, BHHS Towne Realty 10 Years 10 Years 10 Years 10 Years Principal Broker 10 Years Atkinson Realty 10 Years

Congratulations Sandy Stokes Bob Widger to all of tonight's Rose & Womble Realty Century 21 Nachman Realty 10 Years 10 Years COE winners.

Here's to a great year ahead! o $50 Move In/Out Clean or Initial Clean*

*Initial Clean o er valid when signing up for recurring service. Must be a HRRA member or client. New customers only. Not valid with other o ers. Expires: 12/31/2021

A clean home is a healthier home.

757-819-4941 • homecleanheroes.com/HRRA

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Deborah Baisden, Andy Hubba, ePRO Jon Decker Lauren Conner, GRI Julie Liebler Valentina Lee CRS, GRI Exit Realty Professionals BHHS Towne Realty Howard Hanna BHHS Towne Realty OWN Real Estate BHHS Towne Realty

Jonathan Israel Adrienne Gayle Upchurch Melanie Currey Jenn Kathy Howell- Melvin Downing BHHS Towne Realty Atlantic Sotheby’s Williamson Humphreys OWN Real Estate BHHS Towne Realty International Realty BHHS Towne Realty Long & Foster Real Estate, Inc.

Christine Cahoon Kyle Matthew Linwood Miller Patti Jason E. Dodd Lea Marie Ponessa Keller Williams Town Florio BHHS Towne Realty Frankenfield RE/MAX Central Ngowakl, MRP Center OWN Real Estate BHHS Towne Realty Atlantic Sotheby’s International Realty

8 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Diamond (cont.)

Dan Lawson Jeremy T. Cole Hart Jennifer Kevin M. O’Dea, Kathryn Stateline Realty Stansbury Rose & Womble Gartrell ABR, MRP, SFR Kramer Exit Realty Realty Company LLC BHHS Towne Realty Keller Williams Elite WB Howard Hanna Professionals

Katie Burke, MRP Kathy Noey Franklin Nelene Mayo Becky Gordon Christopher Wayne CENTURY 21 Worthen, ABR Vineyard III Gibbs BHHS Towne Realty Prince, ABR Nachman Realty BHHS Towne Realty Lonnie Bush Gibbs Realty Group Keller Williams Elite- WB Real Estate

Sean P. Rooney Dennis Eric Steven Michael Jennifer Russell Kevin Neil OWN Real Estate Ingvi Cushing Edwards Thomas Little Encompass Real Gallagher Lonnie Bush Real Estate Iron Valley Real Estate Iron Valley Real Estate Estate Solutions Canzell Realty

Dakota Dayla Brooks Layne Donovan Shane Bush OWN Real Estate Atkinson Realty Lonnie Bush Real Estate

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Erin Leigh O’Brien Deborah Rountree, Katie Zarpas Thais Sebastia Ryan E. Harrell Holly C. Fisher, Howard Hanna SFR, SRES Long & Foster Atlantic Sotheby’s The Real Estate Group ABR, SRS Real Estate Rose and Womble Realty Real Estate International Realty Rose and Womble Realty

Kevin Mona Ghobrial Charles Barco Lisa Saunders Claudine Ellis, ABR, Christopher Johnson Michael Raad BHHS Towne Realty Keller Williams RE/MAX Allegiance CRS, GRI, MRP, SFR Atlantic Sotheby’s The Real Estate Group Town Center Keller Williams Elite International Realty

Michael Gray, SRS, Charlene T. Wales Shannon Leigh Ebony Pittman/ Beth K. Jeremy SRES, MRP, PSA, Native American Group Paschall Dawkins Hickman Caleb Johnson RENE, ePRO, AHWD AtCoastal Realty Atlantic Sotheby’s At Coastal Realty Long & Foster Real Estate Long & Foster Real Estate International Realty

April M. Partida, Alex J. Winfield Kimberly F. Johnathan King Delwyn Arnett Mark Llobell ABR, SFR Coastal Group Inc Bedsole, MRP, ABR, BHHS Towne Realty Cosby, Sr. ABR, Atkinson Realty RE/MAX Alliance SFR, ePRO, ASP GRI, MRP Rose and Womble Realty RE/MAX Alliance

Jim Bass Charlotte Nathan Helen Elizabeth Jon E. May L. Ellen Drames Weichert Realtors Chandler Daniel Priest Anderson Fathom Realty Rose and Womble Realty KBL Companies Chandler Realty Rocket Real Estate Inc. Austin James Realty

10 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Platinum (cont.)

Jim Kelly Catherine Lynn Melinda Kaye Matthew Trey Decker, III Jonell Walthall Siebert Realty Gorman Baldwin Spencer BHHS Towne Realty Howard Hanna Howard Hanna Century 21 Nachman Rock Steady Group Real Estate

William Caroline Mary Robert A. Terri Baker Domenick Lee Cross Kolovani Stroyeck Smith, ABR, BHHS Towne Realty Lamar Epps Cross Realty BHHS Towne Realty Seaside Realty GRI, MRP, SRES Victory Allegiance RE/MAX Allegiance Realty Inc

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Robb Grabb David Phillips, CRS Erin Brown Page Atkinson Christine Marina Reznik The Real Estate Group The Real Estate Group Atlantic Sotheby’s Miyares, CRS Burgdorf Atlantic Sotheby’s International Realty Atkinson Realty Creed Realty International Realty

Michael Paul Sonia Egnot Angie Courtney Violette Mike Steele Helen M. Merjos Zimmerman BHHS Towne Realty Zengilowski, Howard Hanna The Real Estate Group OWN Real Estate RE/MAX Ultra ABR, CRS, GRI Real Estate RE/MAX Alliance

Jennifer K. Cool Rosalind Ann Ryan Scott Michael Miller Ryan Bielat Ann Davis BHHS Towne Realty Levy, MRP, ABR Ryckman RE/MAX Allegiance Long & Foster Real BHHS Towne Realty Keller Williams The Real Estate Group Estate Coastal

Aneta Krauz Nina Lee Joseph Hart DeAnna Marie Matthew Holly Lynn Keller Williams Olander Dettor Virtuoso John Salway Kerlin Town Center KW Coastal Virginia Lonnie Bush Lonnie Bush Iron Valley Real Estate Stateline Realty Real Estate Real Estate

Tiffany Lindsay Sarah L. Jackie Devenney- Tom Pullen, MRP Randy M. Victoria A. Weaver Harvey Knecht Century 21 Nachman Sciangula Schiano Rose and AtCoastal Realty Howard Hanna eXp Realty The Real Estate Group Womble Realty Real Estate

12 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Platinum (cont.)

Jason Bare Paul Allen Pavon Elaine Angelini, Ashley N. Rose Alison Creamer Valorie Lacey OWN Real Estate Exit Realty Professionals ABR,CRS Century 21 Nachman Keller Williams Keller Williams BHHS Towne Realty Coastal Virginia Coastal Virginia Chesapeake

Susan DeValdes, Joy Bonney Richard Calderon, Jo Ann Susie Edmunds Courtney Kight ABR, MRP Better Homes and ABR, SFR Bailey Scott Howard Hanna Kellam BHHS Towne Realty Gardens Real Estate Rose and Womble Realty Gibbs Realty Group Real Estate Howard Hanna Native American Group Real Estate

Dione Lewis- Larry J. Carmon Dawn Crocker Stacey Hayden Barbara Watz- Williams Bevilacqua Pizzanello, CSP BHHS Towne Realty BHHS Towne Realty Sawyer, ABR, SRES eXp Realty Seaside Realty Rose and Womble Realty Rose and Womble Realty

De’Etta Gavin- Jeremiah Burns Brock DeAnn Leigh Anne Parks Mick Shaw Scott, GRI, ABR Atlantic Sotheby’s Thompson Brenneman Chorey & Associates Howard Hanna Century 21 Top International Realty Exit Realty Central BHHS Towne Realty Realty Real Estate Producers

Cheryl K. Hickok, Barbara Summers AJ Williamson, GRI Rhonda Louise Pamela ABR, SFR, MRP Long & Foster Real Estate RE/MAX Alliance McLemore Hudgins Ermen Rose and Womble Realty Century 21 Nachman BHHS Towne Realty

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Lori Strickland Kathi Davis Reena Ratilal Kristina Nicole Karen Harper Angie Clark BHHS Towne Realty Siebert Realty Patel McEathron Page, MRP Pointe East Realty Crescas Real Estate The Real Estate Group Better Homes and Gardens NAG

Jennifer B. Cindy Kae Godsell Charlie Kelly Deborah Sterago Kathy B. Good Lori Gomoke, SFR Keenan Rose and Womble Realty Siebert Realty Lesyshyn, ABR, Rose and Womble Rose and Womble Realty Howard Hanna CRS, GRI, SRES Realty Real Estate Howard Hanna Real Estate

Ellen Darina Mark Bernard Anne Cookie Alex Perecko Cindy Caskey Micah Lee Hughes Pawley Page, RCE, ABR RE/MAX Alliance BHHS Towne Realty OWN Real Estate Better Homes and Beach Realty United Rose and Womble Gardens Realty

Kathy Hershy, ABR Christopher Ashley Pszczola Shannon Allen Renee Mongold Lisa Wilberger Century 21 Top Producers Scott Fritts, GRI Vertical Real Estate Chandler Realty The Real Estate Group Long & Foster Siebert Realty Real Estate

Edgar Monge, Arnold Aguas Cheryl Sipp Thor Manousos Marjorie A. Kristin Lea CSP, MRP Rose and Womble Realty RE/MAX Central BHHS Towne Realty Worley Dickens BHHS Towne Realty The Real Estate Group Atlantic Sotheby’s International Realty

14 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Gold (cont.)

Samantha Janisch Cathryn Duncan Linda M. Bridget Elisa Benjamin Shanna Feroni Rose and Womble Realty The Real Estate Group Jones, CSP Jannelle Kelly Creed Realty Rose and Womble Realty Rose and Womble Realty Iron Valley Real Estate

Adam Benjamin Natalie Noel Alexandra Emil Nazaryan Carol Hall Terria Galvez Garrett, AHWD Stamey Belen Serrano BHHS Towne Realty Rose and Womble Realty Keller Williams Garrett Realty Partners The Real Estate Group The Real Estate Group Coastal Virginia Chesapeake

Kristin Boyd Karen Marie Cara Milner Dani Brinson Bradley Hiltz David Cacace RE/MAX Central Howard RE/MAX Alliance Keller Williams BHHS Towne Realty Howard Hanna Atlantic Sotheby’s Coastal Virginia Real Estate International Realty

Mary Lawrence Kimberly Chris Harris Terry Trexler Michelle Pine Chad Joseph ERA Real Estate Denton RE/MAX Central eXp Realty Atlantic Sotheby’s Davis Professionals BHHS Towne Realty International Realty Lonnie Bush Real Estate

Nancy Jo King, Natalia Iris Darcy Guethlein, Kimberly Jeanine Gibson Hall Associate Broker, Horev ABR, Assoc Broker, Plourde Montgomery Howard Hanna GRI, CRS Howard Hanna GRI, MRP, SFR, CSP, Exit Realty Central Howard Hanna Real Estate Long & Foster Real Estate Real Estate AHS, SRS, CREN Real Estate BHHS Towne Realty

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Jennifer De Young Mary Gentry Lynne Bornstein Melanie Holland Lakisha Melinda Swager, BHHS Towne Realty BHHS Towne Realty RE/MAX Alliance Rice, ABR, GRI, SRES Williams SRS, MRP Howard Hanna Real Estate Redfin Corporation NextHome Tidewater Realty

Wyndy L. Woods Jason R. Houser Cameron Elliott Kelsey L. Derby Tammy A. Busche Ann Herring-Davis, Keene Woods Realty LLC North End Realty Group AtCoastal Realty RE/MAX Southside BHHS Towne Realty RCE, MRP Rose and Womble Realty

Susan Pyatt Blair Cole Fackler Tom Elliott, Marsha McMonigle S. Dane Scott Ray Duncan ERA Real Estate Rose and Womble Realty CDPE, SFR VanNorman Scott & Associates, ERA Real Estate Professionals Rose and Womble Realty The Real Estate Group Inc., REALTORS Professionals

Ryan Kip Forsberg Tracy G. Mosley Julie Hassell Macie Nicole T. Dale Scott Rodney Jerome Lonnie Bush Real Estate Creed Realty ERA Real Estate Henderson Scott & Associates, Fentress, MRP Professionals Lonnie Bush Inc., REALTORS Rodney Fentress Real Estate Real Estate, LLC

Jasmine Rae Cotto Robert David Kelly Behrens Rhodonna Boyd Gerry Sessor Linda Caramillo Rose and Womble Realty Rogers Creed Realty The Bryant Group All Pros Realty Century 21 Crescas Real Estate Nachman Realty

16 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage CUSTOMIZED

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18 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Silver

Faith Mormon Samuel Anthony Beth Marino, GRI Jessica Fitzwilliam Katrina Griggs, GRI, Debbie BHHS Towne Realty Martin III Chandler Realty Rose and Womble Realty ABR, MRP, SRS Gutekunst, MRP Howard Hanna BHHS Towne Realty Keller Williams Real Estate Coastal VA

Janet Kramer Timothy Inglis Tein Hlwa Stacy A. Courter Karl Konradson Christopher Howard Hanna Chesapeake Bay eXp Realty Keller Williams Realty Keller Williams Robert Kostyrka Real Estate Realty Western Branch Keene Woods Realty, LLC

Linda Ritchie- Melissa Ann Cherlynn Robert Ramey, Jackie Feagin, Assoc. Patrick Sullivan Royal Sinclair Dupuis Fagerheim, ABR ABR, SFR Broker, CDPE, HSE, Howard Hanna Century 21 Top OWN Real Estate RE/MAX Alliance Rose and Womble MRP, ABR, GRI Real Estate Producers Realty BHHS Towne Realty

Lynne Jenkins Jared Weimer LeAnn Amory- Annalisa Previte Donna Turner Karen Newins, ABR The Real Estate Group Atlantic Sotheby’s Wallace, ABR Howard Hanna BHHS Towne Realty BHHS Towne Realty International Realty BHHS Towne Realty Real Estate

Lamar Catherine Kisha Dora Lee Taylor Karen R. Powell Lori Jeltema Bainbridge Raker Underwood Prisinzano Howard Hanna The Real Estate Group BHHS Towne Realty RE/MAX Central BHHS Towne Realty Exit Realty Central Real Estate

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Laura Ricci, John Wood Jeffrey Charles Bruce Lawrence Elise Dunton Pixie Russell ABR, SRS, GRI Lewis Woodard Jones Long & Foster BHHS Towne Realty BHHS Towne Realty The Real Estate Group BHHS Towne Realty The Real Estate Group Real Estate

Laurin Watson Alison Rebecca Laura C. Rowe Janine DeMello Angie Jones Mary Ross BHHS Towne Realty Rehpelz Re/Max Edge BHHS Towne Realty Rose and Womble Realty Ellsworth, AHWD Lonnie Bush Real Estate BHHS Towne Realty

Janice Bullard- Donna Bosze, SRES Patty Bills Christine Ornoff, Sara Andrews Samella Watry Ward Century 21 Nachman Rose and Womble Realty GRI, ABR, SFR, Hartz Iron Valley Real Estate The Real Estate Group MRP, CSP The Real Estate Group Coldwell Banker Now

Jennifer Echea, ABR Diane R. Alan Jerome Holly W. Long J. Luis Martinez Lindsey Corter Long & Foster Real Estate Pearman Blomdahl The Real Estate Group The Real Estate Group Atlantic Sotheby’s The Real Estate Group The Real Estate Group International Realty

Niki Inglis Lety Pena, GRI Colleen Kovach Jamese Harte Marvin W. Peck III Justin Emerson Long & Foster Howard Hanna Howard Hanna ERA Real Estate Pro The Real Estate Group Acosta Real Estate Real Estate Real Estate Howard Hanna Real Estate

20 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage We Are Caliber

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Emily Katherine- Ben Mills Kelle Foster Kathyryn B. Linda Daniel Tracie Gaskins, Anne Cockrell ERA Real Estate Pro Long & Foster Chapman Chandler Realty ABR, CRS, Lee S. Halyard & Real Estate Century 21 Nachman ePRO, GRI, SRS Associates Howard Hanna Real Estate

Jennifer P. Nopper Yvonne Hobbs, Chrissy Wilkins George D. Susan Palmer Ann Vandersyde Rose and Womble Realty ABR, ePRO Howard Hanna Lopez, MRP Shaughnessy Malbon Rose and Womble Realty Real Estate Keller Williams Howard Hanna Howard Hanna Elite-Western Branch Real Estate Real Estate

Lori Bauer, Elizabeth W. Rene Bagne Brittany Pamela Jean Jeremy Allen ABR, ePRO Atkinson Creed Realty Nicole Locke Laurens The Real Estate Group Long & Foster Atkinson Realty Howard Hanna The Real Estate Group Real Estate Real Estate

22 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Silver (cont.)

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Tammy Jo Inge, Scott Meredith Shawn R. Tuffy Thomas J. Hubba II Amy Holloway Beth Tanner ABR, GRI, SFR BHHS Towne Realty Howard Hanna Exit Realty Professionals Coldwell Banker Howard Hanna RE/MAX Alliance Real Estate NOW Real Estate

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24 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Individual Silver (cont.)

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CONTACT:

Meghan McDonald Jessica Tallett Katie Brinson VP, Branch Manager VP, Senior Loan Officer VP, Senior Loan Officer (202) 550-7575 (757) 613-5883 (540) 212-8277 [email protected] [email protected] [email protected] NMLS ID #609841 NMLS ID #1284708 NMLS ID #820647

932 LASKIN ROAD, SUITE 100 ACMLLC.COM VIRGINIA BEACH, VA 23451

Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Branch NMLS ID #1820274 | Company NMLS ID #643114 (www.nmlsconsumeraccess.org) This is an advertisement and is not a commiment to lend. Contact lender to discuss the loan programs, payment, and term options available specifically for you and your needs.

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We Open Doors

Mortgage solutions to help make your Closings On Your Schedule, Not Ours! client’s next home purchase happen. Settlements and Title Insurance For ose Buying, Selling or Renancing Kimberly Vap Senior Mortgage Loan Officer NMLS #: 796166 757.544.8934 [email protected] Covering ALL of Virginia fultonbank.com/mortgage Services that meet your needs 757-819-6682 / F: 757-819-6683 [email protected] Fulton Bank www.titleconcepts.net Fulton Bank, N.A. Member FDIC. Subject to credit approval.

Thank you to our Presenting Sponsor, TowneBank Mortgage 2020 CIRCLE OF EXCELLENCEsm SDRAWA 29 Like many dreams and goals in life, the vision of the right home is different for everyone. A home can be an anchor of stability, a promise of a new beginning, or a blank canvas for experiences yet to come. But one thing’s for sure: when your buyers find it, they know it.

After the excitement and gratification of choosing • Special loan options available to veterans/active the home that works for them, your buyers deserve military, union members, and employees of certain home financing that meets them where they are in companies, so you can reach a wider range of buyers life. You deserve the peace of mind that accompanies • One-stop resource to help your buyers compare Helping more buyers a smooth path toward closing, so you can focus loan options, including features, interest rates, on selling more homes. At Wells Fargo Home monthly payments, and more Mortgage, we share your dedication to proactive communication, personalized service, and consistent • Knowledge and experience in the local homebuying find the power of home follow-through. market, to help more of your buyers make informed decisions efficiently and confidently Working together, we’ll provide your buyers with the Home financing support can make it happen support they need throughout the home financing Long after the papers are signed, the boxes are process, and in turn, help you open more doors: unpacked, and the moving trucks have pulled away, the peace and satisfaction of home will continue to • Reliable preapprovals, to help sellers know your enhance your buyers’ lives. You’ll have my support buyers are serious about purchasing a home, so you 1 every step of the way. Together, we’ll help more can present offers with confidence buyers find the best way home.

Let’s connect 300 32nd Street Suite 200 Virginia Beach, VA 23451 Virginia Beach https://www.wfhm.com/loans/oceanfront/index-branch.page Oceanfront Branch 757-372-9300 (Office)

1. A preapproval is based on our preliminary review of information provided and limited credit information only and is not a commitment to lend. We will be able to offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and property acceptability and eligibility, including appraisal and title report. Preapprovals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preapprovals are not available on all products. See a home mortgage consultant for details. Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2021 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS5324584 Expires 04/2022

30 2020 CIRCLE OF EXCELLENCEsm AWARDS Thank you to our Presenting Sponsor, TowneBank Mortgage Like many dreams and goals in life, the vision of the right home is different for everyone. A home can be an anchor of stability, a promise of a new beginning, or a blank canvas for experiences yet to come. But one thing’s for sure: when your buyers find it, they know it.

Let’s connect 300 32nd Street Suite 200 Virginia Beach, VA 23451 Virginia Beach https://www.wfhm.com/loans/oceanfront/index-branch.page Oceanfront Branch 757-372-9300 (Office)

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Copyright© 2021 Fairway Independent Mortgage Corporation. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. * VA loans subject to individual VA Entitlement amounts and eligibility, qualifying factors such as income and credit guidelines, and property limits. Fairway is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency. ** Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits. Fairway Independent Mortgage Corporation is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Fairway Independent Mortgage Corporation NMLS ID #2289 (www.nmlsconsumeraccess.org). 549772

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