INTRODUCTION

Cherry Creek Mortgage Company has worked hard to build a successful business while staying dedicated to our core values and customer-centered culture. As a result of our teamwork, our market share on a national basis has propelled our company to a consistent Top 100 lender in America. For 3rd quarter 2005, National Mortgage News ranked CCMC the 49th largest retail lender in America.

It's exhilarating for us to look back through time and recognize how determination, dedication and loyalty to both our employees and our customers set us apart from our competition. Since our inception, we've originated more than $14 billion in residential mortgage loans. Our growth has averaged over 43% per year, and we're now 135 times larger than we were at the end of our first year.

Ultimately, we want to make a difference in the lives of those who come into contact with our organization and help them achieve their utmost personal and financial dreams. We're proud to participate in this great industry and in helping so many reach the American dream of homeownership.

OUR SUCCESS STORY

Inc. Magazine had it right when they twice listed Cherry Creek Mortgage Company as one of the fastest growing private companies in America. From our humble beginning in EARLY 1987 as a three-person office, our Company has grown to over 450 employees that serve the needs of thousands of borrowers yearly. We attribute the success weve had to our unique position in the marketplace, our foundation, and our hands-on management style.

Uniquely Positioned
As a full service mortgage banking company, Cherry Creek Mortgage Company brings the best of Wall Street to Main Street. The company embodies the best of the big and small lenders. By dealing with Fannie Mae, Freddie Mac, and the Wall Street conduits, our customers are offered a variety of loan products and services with the financial backing they can count on. What sets us apart is our large company ability with a small company touch. Our customers have come to count on the flexibility, communication and attention to detail that we provide.

Our Foundation
As a leader in the industry, Cherry Creek Mortgage Company has earned a strong reputation within many real estate communities. We continue to enjoy both the respect and confidence of our clients by adhering to the foundation our core values provide. These core values center the company on relationships, service and integrity. Our commitment to these values has become more than just a creed; they are our corporate culture.

Hands on Ownership and Management
Incorporated as a Colorado corporation in late 1986, Cherry Creek Mortgage Company is a privately owned and operated mortgage banking company. Our vested interest in doing business right gives us great flexibility as we consider new ways to serve our client's needs. We actively incorporate new ideas and strategies while remaining true to the conservative business practices that have allowed us to succeed. The ownership of the company is active within the business and consistently strives to improve service.

CORPORATE PHILOSOPHY

PURPOSE

Our Purpose is to build and become a great company. In this process we aspire to positively impact the lives of those individuals who come into contact with our organization, and to honor God in all that we do.

CORE CONVICTIONS

1. We are committed to honesty and integrity in all our activities. We seek to employ individuals with strong moral character and the interaction we have with them is always respectfully honest, clear and positive. We are a company that does not sacrifice our integrity for the benefit of profit.

2. We are passionate about serving others. We seek to understand the needs of both our internal and external customers followed by a commitment to exceed those expectations 100% of the time. We know we can only become as much as we give.

3. We desire to learn, adapt and improve. At CCMC, we set high standards and hold our employees accountable to meeting those standards and, as a result, we are measurably better than our competition. We are a company that sets the standard, sets the pace, one that others aspire to be like.

4. We are committed to profitable growth. We are a company that consciously and consistently grows and in this process we become even more efficient while maintaining the highest levels of service to both our internal and external customers.

5. We are focused on managing our risk. We have zero tolerance for fraud and misrepresentation and, when uncovered, our response is always swift, fair and consistent. We are a company that does not sacrifice the future of our customer for the benefit of volume.