T H E P E O P L E A N D H A P P E N I N G S O F C E N T U R Y C O M P A N I E S F O R O C T O B E R O F 2 0 1 3

MCMXCVI

Hello and welcome to the first edition of our corporate newsletter, The Centurion. It is such an honor to be a part of a new company tradition. We are creating a corporate culture as one team and leaving the idea of three separate companies behind. I hope you embrace this newsletter as a way of connecting to all of Century and use it as a way to stay involved in the day-to-day operations. We sincerely hope you enjoy everything The Centurion has to offer.

Monica Bohn

The Best Became Even Better Still

6 Showroom SuccessTake a stroll through Century Entertainment

and Furnishings new showroom.

Century MortgageCelebrates 201226 CMC Award BanquetThe year 2012 will be remembered for many history-making events. Some serious, others odd and even exciting, but CMC closed 90% of the loans it originated in 2012; the national average is around 60%.

OCTOBER 2013

Industry Travels18 Back to BostonThe battle to stay ahead in the ever-changing mortgage industry lands Century in Boston.

And the winner will be...23 CMC Nominated

for Business of the YearCentury Mortgage joins an elite list

of Louisville businesses including GE Appliances and Humana nominated for

Business of the Year.

Nifty Fifty32 Century Mortgage Named

One of Louisville's Fastest Growing Companies

Business First's Fast 50 names 18 com-panies that were not on the list last year

including Century Mortgage.

Women For Mitch Century Called To Service By United States SenatorThe election spotlight shined bright on Century as the company hosted United States Senator Mitch McConnell and his campaign. The company agreed to host the launch of “Women For Team Mitch” after receiving a request from Senator Mc-Connell’s office. Century had only days to prepare, but pulled it all together without a hitch. Sen. McConnell’s staff said he referred to the event as the “Best he’s ever had”. page 2

Also in the editionProfiles - Holly Evans ......................... page 20Profiles - Justin Lerner ........................page 21Profiles - Linda Mathers ..................... page 22Mississippi Sin Dip ............................. page 24News and Upcoming Events ............... page 25Calendar ........................................... page 33

CENTURION 1

2 CENTURION

Century Called to Service by United States SenatorThe election spotlight shined bright on Century as the company hosted United States Senator Mitch McConnell and his campaign. The company agreed to host the launch of “Women For Team Mitch” after receiving a request from Senator McConnell’s office. Century had only days to prepare, but pulled it all together without a hitch. Sen. McConnell’s staff said he referred to the event as the “Best he’s ever had”.

CENTURION 3

4 CENTURION

CEO Monica Bohn hosted the August 30th event as employees and guests turned out to support the Senator. Local TV news stations, radio and newspapers covered the Senator’s visit. Former Representative from Kentucky’s 3rd District Anne Northrup also attended and spoke. She shared her professional experiences with the Senator while in office. “Mitch is a leader who sees a different path, a path of opportunity and growth and energy in the United States that’s not only countrywide, but in this state. He’s provided opportunities for our children and grandchildren,” said Northrup. She went on to introduce Sen. McConnell’s wife, Former Secretary of U.S. Labor, Elaine Chao.

Sec. Chao greeted and thanked the crowd of mostly women. She talked about her husband’s fight for what’s best for all people. “Aren’t we proud that he has been the leader that says Obamacare will not

work.” Chao told the audience her husband’s record in office is as strong as his record in his personal life. “Mitch fights to ensure that all Kentuckians and every single American regardless of gender or race, have the opportunities to build better lives for themselves and their families,” said Sec. Chao.

The Senator was welcomed to the podium by loud applause and cheers. “I am humbled by the support in this room,” said Sen. McConnell. He went on to share the stories of strong women in his life including his mother and wife.

Sen. McConnell and his wife thanked supporters and shook the hands of those in the room on the way out. The August event followed a May 31st McConnell fundraiser hosted by Century. That event raised more than $50,000 for the campaign.

Elaine Chow, Former Secretary of US Labor

Monica Bohn, CEO of Century Companies

Senator Mitch McConnell

Staff Member for Team Mitch Anne Northup, former US Congress Woman

Dr. Noelle Hunter, College Professor Allison Ball, Attorney

CENTURION 5

6 CENTURION

From a word-of-mouth shop on Beulah Church Road to a 35,000 square feet showroom in the heart of St. Matthews,

Century Entertainment and Furnishings is seeing success beyond measure. The expanded store offers selections to fit every style and budget. It includes a design center equipped with experienced staff and a plethora of products to excite every taste.

Century’s award winning designers can transform any vision from a single idea to a complete project. Designers are available in every department, including audio/video. The expanded showroom also provided Century with the space needed to offer more furniture lines, accessories, fabrics, drapery hardware and mattresses, among other products.

The kitchen area displays the best selection for every cooking and entertaining need. Century is experienced with laying out everything from an award winning kitchen to a wet bar, basement party room or outdoor kitchen. The showroom displays the best brands and latest technological advances. Those include: Custom, KitchenAid, Whirlpool, Thermador and Bosch brands, among others.

Complete audio and video systems are still available, but the showroom has added a whole-home system known as The Smart Home. The system controls all aspects of a home with the touch of a button. A sample Smart Home is located on the top level of the showroom. It allows customers to experience the product before buying.

All Century employees receive a discount at Century Entertainment and Furnishings. New photo ID cards are being created for employees to use in the store. Details about the discount and new cards will be released soon.

Century Entertainment and Furnishings is open Monday – Friday from 10am – 7pm and Saturday 10am - 6pm. It’s located at 4310 Shelbyville Road, next to Starbucks. Visit www.Centuryliving.com for more information.

Take a look through the photo galleries on the following 11 pages for an idea of what you can find at Century Entertainment and Furnishings.

Showroom Success

CENTURION 7

8 CENTURION

CENTURION 9

10 CENTURION

CENTURION 11

12 CENTURION

CENTURION 13

14 CENTURION

CENTURION 15

16 CENTURION

18 CENTURION

The battle to stay ahead in the ever-changing mortgage industry lands Century in Boston. Monica Bohn, Jeff Ratanapool, Bryan

Wiegandt, Jeff Kibbey and Marla Guillaume represented Century Mortgage and Century Lending at the annual Lenders One Conference.

“It’s important for us to attend because it keeps us at the forefront of knowledge and regulatory changes that affect lenders our size,” said Century Mortgage Vice President Bryan Wiegandt.

This is Wiegandt’s third year attending the conference. This year it was 4 days, August 3rd

– 7th. He said it connects Century to industry experts that fight the same battles with government

regulations. “It also gives us a look at the big picture. We talk to lenders across the nation that face many of the same day to day issues that we do,” Wiegandt said.

It wasn’t all work and no play for the Century team. They enjoyed some of Boston’s best attractions. Wiegandt stopped by his “favorite place in the world”, Fenway Park. They cheered on the Sox and enjoyed other historical places including the Union Oyster House, the oldest restaurant in the country.

It gives us a look at the big picture.

We talk to lenders across the nation.

Fenway Park, home to the Boston Red Sox. Bryan Wiegandt, Marla Guillaume, Monica Bohn, Jeff Kibbey and Jeff Ratanapool

Bryan at his favorite place in the world, Fenway Park. Monica Bohn, Marla Guillaume and Bryan Wiegandt on Lansdowne Street, Boston.

CENTURION 19

20 CENTURION

Meet Holly Evans CENTURY ENTERTAINMENTACCOUNTS RECEIVABLE/FURNITURE OPERATIONS MANAGER

How many children do you have? Three boys: Tanner-19, Brady-15, Jake-12.

Where did you grow up? Louisville

Name one thing that makes you unique. I am lefthanded.

What is one thing your co-workers do not know about you? I was a Miller Lite girl while in my 20's.

What's the first thing you do when you wake up in the morning? (Be Honest) I look under my pillow for my tiara and wish I were a princess.

What would you call yourself if you could choose your own name? Emma

What's the most embarrassing CD/Album you've ever owned and do you still have it? Barry Manilow - NO!!!

What is your dream job? (Your current job is not an option.) I would be a liaison for school aged children.

What flavor of ice cream best describes you? Mint Chocolate Chip

What have you learned at this age that you wish you would have known when you were 21? I have learned the importance of continued education.

Meet Linda Mathers CENTury MOrTgagELOaN PrOCEssOr {ELIzaBEThTOwN)

How many children do you have? Three

Where did you grow up? Elizabethtown

Name one thing that makes you unique. I was the only girl on my high school's first soccer team.

What is one thing your co-workers do not know about you? I play 3 musical instruments - flute, trumpet and saxophone.

What's the first thing you do when you wake up in the morning? (Be honest) wake up my girls.

What would you call yourself if you could choose your own name? Elise (my daughter's middle name - always liked it, no reason).

What's the most embarrassing CD/Album you've ever owned and do you still have it? hannah Montana - no, we got rid of that thing.

What is your dream job? (Your current job is not an option.) Veterinarian

What flavor of ice cream best describes you? rocky road

What have you learned at this age that you wish you would have known when you were 21? Don't panic, your first instinct is usually right and love really is almost always the answer.

CENTURION 21

22 CENTURION

CENTury LENDINgNETwOrk aDMINIsTraTOr (COrPOraTE OffICE)

How many children do you have? None, unless you count my dog.

Where did you grow up? Louisville, ky born and raised.

Name one thing that makes you unique. I'm a VEry good judge of character.

What is one thing your co-workers do not know about you? I have a dog named Bacardi.

What's the first thing you do when you wake up in the morning? (Be Honest) Take a shower! I can't leave the house unless I

have one.

What would you call yourself if you could choose your own name? Master of the data center.

What's the most embarrassing CD/Album you've ever owned and do you still have it? what's a CD?

What is your dream job? (Your current job is not an option.) To own a telecom company.

What flavor of ice cream best describes you? VaNILLa!

What have you learned at this age that you wish you would have known when you were 21? Life is too short to sweat the small stuff !

Meet Justin Lerner

EmployEEs promotEd tHrougHout CEnturysome of the familiar faces you see at work everyday have taken on new roles and earned new titles. Century Mortgage promotes Brooke Hillenbrand from receptionist to Compliance assistant. Karen Bruns no longer wears the title of receptionist and is now a Processer. Montrell Bross continues his work as a loan officer, but takes on a new role as the Elizabethtown regional Manager.Century Lending promoted Kristina Moore from underwriter to Production Manager. Christy Maser has been promoted to Vice President, Corporate Development. Travis Adkinson leaves the Internal sales Manager position to take on the regional Vice President - Internal sales title. Tina Hall is now the Quality Control Manager, leaving her position as senior Production Coordinator. Christine Bullock was promoted to senior secondary Marketing Coordinator from secondary Marketing Coordinator. Ashley Oakes is now the appraisal Independent requirements Coordinator. she was the appraisal Independent requirements Csr. Sarah Riley has been promoted from appraisal Independent requirements Csr to secondary Marketing Coordinator. Casey Lusk leaves Csr to be an underwriter. Bryan Snyder is now the Information Technology Manager fusion, leaving the title Network Developer.

CmC sponsors tHE HBAl novEmBEr gEnErAl mEmBErsHIp mEEtIngCentury Mortgage is sponsoring the HBAL November General Membership Meeting. This year's event will be held cocktail party style with appetizers and drinks at The Olmsted on Tuesday, November 5th from 5:30-7:30 pm. During this meeting, there will be a brief vote on the 2014 Board of Directors. Also, this will be Spike Appreciation Night. Spike Members are those who recruit a certain number of people to join HBAL either as members or associates. Those members will be recognized for their great efforts in growing HBAL.

Espn rAdIo BroAdCAsts lIvE from tHE CEntury mortgAgE CABoosE At ul footBAll gAmEs!During each UL home game, ESPN 680 will broadcast the Pre-Game and Post-Game shows live from on top of the Century Mortgage Caboose at Papa John's Cardinal Stadium. Along with updates and news about the game, ESPN Radio also promotes Century Mortgage Company. Make sure you and your families make it out to a UL game to tailgate with ESPN Radio and Century Mortgage!

NEWS BRIEF & UPCOMING EVENTSMeet Justin Lerner

CENTURION 23

Mississippi Sin Dip

16 oz sour cream

8 oz cream cheese softened

1 cup chopped ham (or turkey)

1 green onion chopped

1/4 tsp hot sauce

1 tsp Worcestershire sauce

SaltPepper16 oz French Bread loaf

In a mixing bowl, combine all ingredients except French Bread

stirring until well blended. Cut a thin slice from top of bread

loaf; set slice aside. Using a gentle sawing motion, cut vertically

to, but not through, bottom of the loaf, 1 inch from the edge,

to cut out center of bread. Lift out center of loaf. Fill hollowed

bread loaf with dip. Wrap loaf with foil. Bake dip at 350

degrees for 1-hour. Serve with reserved bread cubes, crackers or

potato chips. Submitted by Donna Waterhouse

24 CENTURION

Business First's Fast 50 names 18 companies that were not on the list last year including Century Mortgage. To make the list, the companies had to have an almost 30 percent revenue growth during the last two years, be based in Louisville, have an average of at least $1-million in revenue

for the three most recent years and a three-year operating sales history. Business First reports many companies applied for the list, but the stellar revenue growth of this year's Fast 50 sets them apart from the rest. Exactly where Century falls on the list will be revealed on Tuesday, October 22nd during the Fast 50 luncheon at the Kentucky International Convention Center.

Century Mortgage Named One of Louisville's Fastest Growing Companies

2013 fast 50 (In alphabetical order)21c Museum HotelsAir Hydro PowerApprissArcadia CommunitiesARGI Financial GroupAssociates in Pediatric TherapyBoice.netC&H Audio Visual ServicesCandyRificCBRE Louisville

*Century mortgage CompanyCharah Inc.Component SupplyContralTouch Systems, Inc.CRS Reprocessing ServicesDeytaDMK Development GroupDonan Engineering Co. Inc.Estate Products Manufacturing GroupEvidence in MotionFreedom Metals, Inc.GlowTouch TechnologiesGreat Northern Building ProductsHealthcare Strategy GroupHKC Roofing and Construction

HMS Global MaritimelnGrid DesignISCO IndustriesJefferson National Financial Corp.Kentuckiana Nursing ServiceKinetic Corp.Louisville GeekMalone Workforce SolutionsMeasure Consumer PerspectivesMortenson Family DentalOffice Resources Inc.Peptides InternationalPGXL LaboratoriesPhoenix Process EquipmentProdigy Construction CorpStrategic CommunicaitonsStrategic Marketing Inc.Synthetic MaterialsTandem SolutionThe Learning House Inc.The Mortgage Warehouse Inc.The York CompaniesThorntons IncUnified TechnologiesV-Soft Consulting Group

CENTURION 25

26 CENTURION

The year 2012 will be remembered for many history-making events. Some serious, others odd and even exciting,

but most will remember it for the World NOT ending, President Barack Obama being re-elected, Facebook debuting on the stock market, Gangnam Style as the most watched clip in the history of the internet, the 2012 Summer Games in London, Felix Baumgartner jumping to Earth, Super Storm Sandy hitting the North East and most importantly CENTURY MORTGAGE helping more people locally than ever before! CMC President Jeff Ratanapool says the company closed 90% of the loans it originated in 2012; the national average is around 60%.

“It [2012] was a monumental year. One of the most rewarding, yet challenging in my 15 years in the business,” said Ratanapool. He also described 2012 as a big year for regulation implementation, but at the same time an even bigger year for loan origination. “With rates at 50 year lows, and the housing market recovery in full swing, the biggest challenge was how to accommodate every customer. We had to make sure they were protected, they received the best service and value the market had to offer,” Ratanapool described.

Century Mortgage Company Celebrates 2012

CENTURION 27

2012 was also a year to learn from. Ratanapool said he discovered the market will reveal your weakness as a team, organization and management team. When stretched to the limit, a company or manager will see how well they have placed their systems and processes. “2012 taught me to stay with the basics, stick to your principles, train your people and keep your cool. Every problem has a solution. The management team and decisions have to be flexible to adapt. If you make the wrong decision, you have to be able to change it quickly to correct that mistake,” said Ratanapool. He also noted training being paramount to success.

That success was celebrated as employees from around the region gathered to celebrate that success on August 23 at the Louisville Wildwood Country Club during the Century Mortgage Company Awards and Recognition Program. The Marketing Department created a slide show with pictures from the beginning of the company to present day.

Everyone enjoyed buffet style food that proved to be very tasty. Century Mortgage President Jeff Ratanapool was the host for the evening. He jumped right into the events by first thanking different groups of people including some vice presidents, the marketing and legal teams among others. It was an all ladies show for the first award, Excellence in Service.

The second Award singled out Lori Hall as Processor of the Year. She works at the Elizabethtown branch. Lexington took home the award for Top Producing Branch of 2012. Century Mortgage Vice President Bryan Wiegandt presented the branch awards. Other awards included the Diamond Club, Gold Club, 15, 10 and 5 Years of Service, Top Producers, Rookie of the Year, Loan Officer of the Year, The Matt Bohn Award and Granite Award. Award winners are listed and pictured on the following pages.

28 CENTURION

THe DiAMOND CLuB $100,000 + Jeffery ratanapoolgregory allenBryan wiegandtangela PoindexterMichael Johnsonaaron BohnBrian Justrobert Maykevin Beamronald shavergarry settleamber smithTiffany garrardkelly sturgillPaula Tappscott Beamrhonda radererBrian schutteDaniel Marlin

GOLD CLuB $65,000-$99,000Birgit stubblefieldJohn Leggettkirk Nelsonsandra MeltonPaul ayersarthur goldmansteven hedgespethDouglas Bross sr.william keyesPatsy hiltonDarrell Devoreamy heiden

15 YeARS Of SeRviCe Jeffery ratanapoolsue robertsBrian JustMonica Bohn

10 YeARS Of SeRviCeaaron Bohnsteven hedgespethMichael Johnsongarry settlerobert MayJim stippangela sievert

5 YeARS Of SeRviCeTimothy BlairDouglas Bross sr.James simmsangela gaithershawn Mcgovenkirk Nelsonkatie golden

TOp pRODuCeRSBirgit stubblefieldkerri graggkirk NelsonTiffany garrardBrian Justaaron Bohn

ROOKie Of THe YeAR Chad goodin

LOAN OffiCeR Of THe YeARBrian Just

TOp BRANCHLexington

MATT BOHN AWARDkevin Beam

pROCeSSOR Of THe YeARLori hall

GRANiTe AWARDJeff kibbeysue roberts

SeRviCe AWARDMary redmondLori hallalice hickmanCindy Meyerkaren BrunsNatalie BackCarla NewtonLinda MathersPaula DuselJaby LindenbergerCourtney zurkuhlenElizabeth salengs

Century Mortgage Award Winners

CENTURION 29

30 CENTURION

CENTURION 31

32 CENTURION

CENTURION 33

34 CENTURION

Century Mortgage joins an elite list of Louisville businesses including GE Appliances and Humana nominated for

Business of the Year. During the 9th annual gala dinner in December, the Eagle Award of Excellence will go to winners chosen from among finalists in various categories. The awards honor private companies based on size, company leaders, newly formed businesses and nonprofit organizations.

After receiving the nomination, Century had to submit an entry to Business First with answers to various questions such as, “What makes your business stand out from your competition?”. The answers had to be at least 150 words long and include examples. Some other requirements included proof of earnings and community service projects.

Last year, nearly 400 people attended the Business First annual Business of the Year Awards. Among the companies that were considered for previous awards are CafePress Inc., Kindred Healthcare Inc., GE Appliances, Donan Engineering Co., The Learning House and Wild Eggs.

This year’s winners will be announced in December and published in Business First.

Century Mortgage Nominated for Business of the Year

october

29 30 1 2 3 4 5

6 7 8 9 10 11 12

13 14 15 16 17 18 19

20 21 22 23

30

24

31

25

1

26

227 28 29

1:00 pm Assett Training (CLC)

1:00 pm Appraisal Training

(CLC)

1:00 pm Title Training (CLC)

HBAL Home & Design Show

(www.HBAL.com)

Business First Fast 50 Luncheon

Women's Council of REALTORS

Business Expo, 10:00 am - 2:00 pm at Founders Union

Building, UofL Shelby Campus

9:00 amCEF Cross Training

10:00 am How to Close a HUD Home

1:00 pmDU Training (CLC)

NEW HIRE TRAINING

SPENCER COUNTY OCTOBERFEST

Keep informed, ahead and inspired with training dedicated to your specific needs

Welcome to Century’s corporate training company, Century University! As a progressive industry leader, we are pleased to offer a number of training opportunities to our employees as well as outside companies and employees.

Our new facility boasts the latest audio/video equipment for the instructors, making the most efficient use of your time to absorb industry matters ranging from legislative issues, marketing or understanding homeowners needs in the current mortgage landscape. We have you covered.

We are happy to bring these training classes to outside locations or, if preferable, we can host attendees in the Century University state-of-the-art training facility.

As you know, the current landscape in mortgage lending can be challenging at times. By collaborating with you in education, we’re able to provide a valuable service to you and your clients. We look forward to greeting you in a classroom soon, and furthering your ability to best serve your homebuyer’s needs!

If you are interested in Century University for your clients contact Christy Maser at extension 1258

CENTURION 35

God provides every bird it's daily supply of birdseed... However God does not deliver to the nest...

Submitted by Tim Blair

© 2013 Century Mortgage Company d/b/a Century Lending Company is an Equal Housing Lender. NMLS #3925.This newsletter is not an advertisement. This communication is only intended for distribution among employeesof Century Entertainment & Furnishings, Century Mortgage Company, and Century Lending Company. NOT FOR OUTSIDE USE OR DISSEMINATION.