Brody Gapp Founders, Partners, and Firm outcomes. Making News and Sharing Views NEWSROOM Brody | Gapp Classic Title HousingWire August 26, 2025 Occupancy fraud draws more attention as Trump’s political battles heat up. by Flávia Furlan Nunes The Chrisman Commentary August 21, 2025 Ron Gapp, Founding Partner at Brody Gapp LLP, will host a complimentary webinar on Tuesday, September 9, at 10:00 AM PT titled “Loan Officer Compensation in 2025: Compliance, Litigation Trends, and Strategic Planning.” Contact Ron Gapp at (909) 952-3076, or REGISTER DIRECTLY via the ARTICLE BELOW. HousingWire August 13, 2025 OneTrust challenges mortgage coaching neutrality in suit over trade secrets. by Flávia Furlan Nunes Morningstar August 7, 2025 HousingWire July 28, 2025 loanDepot lawsuit directs a spotlight on LO comp practices. by Flávia Furlan Nunes The Mortgage Collaborative June 19, 2025 Introducing a New Era in Legal Counsel for the Mortgage Industry. What truly sets this firm apart isn’t just the caliber of talent — it’s the power of relationships. This isn’t a solo act. It’s a high-performance collective, built on a belief that the whole can be far greater than the sum of its parts. READ THE FULL ARTICLE BELOW: Brody | Gapp LLP Launch June 12, 2025 National Mortgage Professional May 12, 2025

< Back Leslie Giovanetti Paralegal About Me Leslie Giovanetti brings more than 25 years of experience supporting litigation, business law, and estate planning matters. She began her career at the Empire School of Law, assisting the Dean and faculty while earning her certification through Empire College’s Associate Legal Secretary program—a foundation that shaped her deep understanding of case management and legal operations. Over the years, Leslie has managed law firm operations, supported attorneys in complex legal matters, and even launched her own legal support practice. Her hands-on experience across a wide range of legal settings allows her to anticipate case needs, keep matters moving efficiently, and contribute meaningfully to client service. At Brody | Gapp LLP, Leslie plays a central role in supporting litigation and compliance matters with diligence, responsiveness, and a people-first mindset. Her commitment to precision and practical problem-solving makes her a valuable asset to both clients and attorneys.

< Back Elma Saxon Senior Paralegal About Me Elma Saxon is a senior litigation paralegal with more than 18 years of experience supporting attorneys through every stage of complex litigation—from early case assessment and discovery to trial preparation and appellate work. She brings particular expertise in litigation operations and eDiscovery. Elma manages document intensive workflows, oversees case calendars and court filings, prepares deposition and trial exhibit sets, supports motion practice through cite checking and quality control, and coordinates with court reporters, vendors, and client stakeholders to ensure matters progress efficiently. Her experience also includes supporting corporate transactions and assisting with regulatory submissions. Elma earned her Paralegal Certificate from Loyola University Chicago through its ABA approved program and holds both graduate and undergraduate degrees. She is multilingual and active in the paralegal community, including service within the Illinois Paralegal Association’s leadership and its unauthorized practice of law initiatives.

Brody Gapp Website Terms and Conditions, Updated June 2025 Terms & Conditions Effective Date: June 12, 2025 Last Updated: June 12, 2025 These Terms and Conditions (“Terms”) govern your access to and use of the Site, including our FAQ section, contact forms, and all content, such as articles, blog posts, or other materials (collectively, “Content”). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which constitute the entire agreement between you and Brody | Gapp LLP regarding your Site usage, Content, and communications with us, unless otherwise specified (e.g., via an engagement letter for clients). If you do not agree to these Terms, please do not use the Site. We may update these Terms at our discretion, posting the revised version here with an updated “Last Updated” date. Significant changes will be notified via email or a Site notice. Your continued use of the Site after the updated Effective Date indicates acceptance of the revised Terms. For questions, contact admin@brodygapp.com or (949) 490-7950. 1. Legal Notices 1.1. No Legal Advice or Opinion The Site and Content, including our FAQ on mortgage lender poaching cases, are provided for general informational purposes only and do not constitute legal advice, legal opinions, or a substitute for professional legal counsel. Content may not be accurate, complete, or up-to-date, as laws and their applicability vary by context. We are not obligated to update Content. Do not act or refrain from acting based on Site Content without consulting a qualified attorney. Your use of the Site and Content is at your own risk. 1.2. No Attorney-Client Relationship Accessing or using the Site, including submitting inquiries via contact forms or viewing our FAQ, does not create an attorney-client relationship with Brody | Gapp LLP. Such relationships require a signed engagement letter, conflict-of-interest checks, and compliance with California State Bar rules. To inquire about our legal services, contact admin@brodygapp.com . 1.3. No Confidentiality Unless you are an existing client with an engagement letter, any communications you initiate with us (e.g., via contact forms, email, phone, or other means) are not confidential unless we explicitly state otherwise. Do not share confidential, proprietary, or sensitive information unless you are a client. We make no guarantees regarding the security, confidentiality, use, or return of non-client communications. 1.4. Attorney Advertising The Site may be considered attorney advertising or solicitation under California law or other jurisdictions’ rules. 1.5. No Guaranteed Outcomes Content, including case descriptions or client testimonials (if any), does not guarantee future results or imply ongoing representation of mentioned clients. 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< Back Ronald Gapp, Esq. Founding Partner About Me As a seasoned General Counsel with over a decade of experience, I have served as the primary legal advisor for companies ranging from 200 to over 2,000 employees. I bring deep expertise in advising and representing lenders across all aspects of the laws and regulations governing mortgage lenders, brokers, financial institutions, and consumer finance companies. My unique background blends legal acumen with operational insight, enabling me to navigate complex regulatory environments while supporting business growth and operational efficiency. In a dual role as Chief Operating Officer and General Counsel at a nationwide, 100% employee-owned mortgage lender headquartered in Washington, I led the Operations, Legal, and Compliance departments. This expanded leadership role allowed me to drive initiatives beyond traditional legal counsel, aligning legal strategy with business performance. I have successfully managed complex litigation across various areas, including employment law defense, as well as cases involving claims of poaching, unfair business practices, breach of fiduciary duty, and trade secret misappropriation. Whether navigating economic headwinds or pursuing strategic M&A opportunities, I bring experience in handling sophisticated deal structures and the regulatory challenges that arise with GSEs and state agencies. I understand both the business and financial implications of these transactions, as well as the legal risks involved in contract negotiation and review. My Approach I focus on helping lenders tackle complex legal and compliance challenges with practical, business-minded solutions. My goal is to deliver actionable legal guidance that supports strategic objectives, enhances risk clarity, manages litigation, and ensures effective execution across all areas of the business. Practice Areas Regulatory Compliance Loss Mitigation Poaching Cases Trade Secret Litigation Contract Review and Drafting Mergers and Acquisitions Education Chapman University (B.A. in Economics with a Minor in Finance, 2009) Chapman University School of Law (J.D., 2012) Bar Admissions State Bar of California U.S. Central District of California

< Back Scott Harkless, Esq. Founding Partner About Me As an experienced litigator and mortgage executive, I have provided both legal and business counsel to all manner of mortgage banks, ranging from Countrywide Home Loans to my most recent position of Chief Legal Counsel to OneTrust Home Loans. I have helped the companies I serve manage their bottom line by overseeing litigation, creating innovative and compliant growth initiatives, and develop specialized product lines such as reverse mortgage. As an executive with a long history in the strategic alliance space, I am uniquely qualified to serve not only mortgage companies but real estate companies and builders as well. I have a proven track record in balancing a company's risk profile with its strategic growth initiatives. I have navigated complex business arrangements and events, such joint ventures and reorganizations and acquisitions. I have successfully interfaced with both state and federal regulators and GSEs. I have experience in navigating the full end-to-end aspects of a mortgage operation from recruiting to servicing - and have managed all the aspects of litigation that result, whether it be prosecuting or defending claims or representing my clients through the appellate process in either state or federal courts. I come from the "inside" of mortgage and bring to bear my over 20 years of mortgage and legal experience for the benefit of my clients regardless of their geographical footprint. My Approach I focus on helping lenders, real estate firms and builders tackle their legal and compliance challenges with practical, business-minded solutions and strategically manage their litigation needs. My goal is to provide holistic counsel - to help our clients manage risk, grow market share and advocate their claims through litigation and appeal. Practice Areas Regulatory Compliance Loss Mitigation Employee Litigation Poaching Cases Strategic Alliances Specialty Lines of Business Contract Review and Drafting Mergers and Acquisitions Appeals Education Asbury College (B.A. in History, 1999) UC Davis School of Law (Juris Doctor, 2002) Bar Admissions State Bar of California U.S. Eastern District of California

Brody Gapp website privacy policy, Updated June 2025 Privacy Policy Effective Date: June 12, 2025 Last Updated: June 12, 2025 At Brody | Gapp LLP, a California-based law firm specializing in representing mortgage lending and related institutions, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information through our website, www.brodygapp.com, including any FAQ section and contact forms. “Personal Information” means information that identifies or can contact you. This policy complies with the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), and California Online Privacy Protection Act (CalOPPA). By using our Site, you consent to this Privacy Policy. We review this policy annually or as needed, with updates posted here and notified via email or site notice. For questions, contact admin@brodygapp.com or (949) 490-7950 . 1. No Attorney-Client Relationship Accessing our Site, including our FAQ on mortgage lender poaching cases, does not create an attorney-client relationship. Such relationships require an engagement letter, conflict checks, and compliance with California Bar Association rules. To inquire about our legal services, contact admin@brodygapp.com . 2. Information We Collect We collect: Contact Information: Name, email, phone number, and case details submitted via contact forms or inquiries. Usage Information: Automatically collected via cookies, including IP address, device type, browser type, pages visited (e.g., FAQ), and time spent on the Site. Correspondence: Emails or calls related to inquiries or legal services. Aggregate Information: Anonymized data (e.g., site traffic statistics) that cannot identify you. We do not knowingly collect data from individuals under 16. If you believe we have such data, contact admin@brodygapp.com . 3. How We Use Your Information We use your information to: Respond to inquiries and provide legal services (e.g., poaching case consultations). Improve our Site, including the FAQ section’s usability. Send newsletters about our expertise (with consent). Conduct analytics to understand Site usage. Comply with legal obligations (e.g., court orders). Protect our Site and clients, aligning with our focus on safeguarding confidential data. 4. Cookies and Tracking Technologies We use: Essential Cookies: For Site functionality (e.g., navigation, FAQ). Analytics Cookies: For performance tracking (e.g., Google Analytics). Functional Cookies: To remember preferences (e.g., language). We do not use marketing cookies. You can manage cookies via browser settings to disable non-essential cookies (note: this may impair Site functionality). See Google Analytics’ privacy notice at google.com/analytics . 5. How We Share Your Information We do not sell your personal information. We share data with: Service Providers: Vendors including our hosting provider, Google Analytics (analytics), or email platforms (e.g., Microsoft, Constant Contact and similar), bound by contracts to protect your data. Legal Authorities: To comply with laws, subpoenas, or legal processes. Business Transfers: In mergers or acquisitions, with notice to you. Safety: To protect our Site, clients, or public from fraud or threats. 6. Data Security We use industry-standard safeguards, including encryption (SSL/TLS) and secure Wix servers, to protect your data. Given our expertise in trade secret protection, we prioritize security but cannot guarantee absolute protection. We will notify you of any data breaches as required by law. 7. Data Retention We retain: Contact form data until inquiries are resolved or for client management (up to 7 years for legal records). Usage data for up to 2 years for analytics. Data as required by law. Request deletion via admin@brodygapp.com . 8. 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International Users Our Site is hosted in the U.S. by Wix. Data from outside the U.S. (e.g., EU clients) may be transferred to the U.S., where privacy laws differ. For GDPR compliance, we offer safeguards like explicit cookie consent. Contact us for details. 11. Contact Us For privacy questions or DSARs: Email: admin@brodygapp.com Phone: (949) 490-7950 Mail: 2102 Business Center Dr, Suite 2047, Irvine, CA 92612

Brody Gapp upcoming and past webinar information, links, and video/document downloads. RECENT WEBINARS Loan Officer Compliance in 2025: Compliance, Litigation Trends, & Strategic Planning Tuesday, September 9, 2025 10:00 AM PST WATCH the SESSION DOWNLOAD the PRESENTATION Presenter: Ron Gapp Founding Partner (909) 952-3076 ron@brodygapp.com Session Highlights: With the third quarter of 2025 well underway, now is the perfect time to revisit your Loan Officer Compensation (LO Comp) strategy and ensure you’re prepared for what’s ahead. Some of the key hot topic trends that will be covered during the webinar include: Regulatory Landscape Update: A breakdown of the current LO Comp rules, including how enforcement priorities have shifted in the wake of recent administrative and judicial actions. Deregulation Watch: Provide an update on potential deregulation. Litigation Trends: A look at recent lawsuits involving LO compensation practices, including a new case filed July 15 in the U.S. District Court for the District of Maryland (Case No. 1:25-cv-02294), where plaintiffs allege loanDepot systematically tied loan officer compensation to interest rates and fees charged to borrowers—allegedly violating the Truth in Lending Act (TILA) and Dodd-Frank regulations. This case may signal renewed regulatory interest in compensation structures. Strategic Structuring: Practical guidance on how to build compensation plans that align with compliance requirements while remaining competitive in today's market. Audit Readiness: Key tips on preparing for CFPB or state audits focused on compensation policies, with examples of issues regulators are flagging in current exams. Whether you're navigating compliance or exploring strategic ways to stay competitive with your LO compensation plans, this is a session you won’t want to miss! For more information or inquiries, please contact Founding Partner, Ron Gapp at (909) 952-3076 or Ron@BrodyGapp.com . 2025 Annual Regulatory Roundup: Trends, Challenges, and Regulatory Actions Brody | Gapp’s inaugural webinar, held June 12, 2025, in partnership with The Mortgage Collaborative, featured Managing Partner James W. Brody addressing the most pressing regulatory issues facing mortgage lenders. WATCH the SESSION DOWNLOAD the PRESENTATION Presenter: James W. Brody Founder & Managing Partner (415) 246-3995 james@brodygapp.com Session highlights: LO Compensation: Prohibited practices, safe harbor methods, and recent consent orders. Technology & Data Privacy: AI in underwriting, remote notarization, and emerging data security risks. Cybersecurity: Fannie Mae’s new 36-hour reporting rule and August 2025 compliance deadline. Market & Lending Practices: Non-QM and ARM product risks, plus shifting FHFA policies. Fair Lending & UDAAP: Recent enforcement actions and best practices for monitoring and training. Looking Ahead: CFPB priorities, the rise of state “mini-CFPBs,” and audit-readiness essentials. This first-of-its-kind session provided practical guidance to help lenders stay compliant, mitigate risk, and stay competitive in 2025. For more information or inquiries, please contact Founding and Managing Partner James W. Brody at (415) 246-3995 or James@BrodyGapp.com .

A Law Firm with Strength in Compliance, Litigation, and Strategic Counsel​ At BRODY | GAPP LLP, we provide proactive, business-focused legal counsel to mortgage companies, financial institutions, and related service providers nationwide. Our practice spans outsourced general counsel services, regulatory compliance, and complex litigation—equipping clients to thrive in a rapidly evolving, high-stakes environment. GET IN TOUCH Brody|Gapp LLP is located at the heart of the Irvine, CA business district, providing easy access and convenience for our clients. You can reach us via email at info@brodygapp.com or give us a call at (949) 490-7950 for inquiries or appointments.

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