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	Mike Capriolo Senior Mortgage Loan Officer - Residential Lending Michael Capriolo joined WaterStone Bank in December 1986 as a Mortgage Loan Officer. He has more than 30 years of mortgage and financial industry experience. Prior to his employment, Mike earned a Bachelor’s degree in Business from St. Norbert College. He is also a Wisconsin Real Estate Brokers Licensee and a Graduate of the Realtors Institute. Mike has been a member of the Greater Milwaukee Area Board of Realtors since 1972. Mike is a past President of the Wauwatosa Lions Club, and is past President and current member of the New Berlin Lions Club. He and his wife are also active members of St. Elizabeth Ann Seton Parish in New Berlin, where they have lived since 1995. Email NMLS Number: 451677 Office: 414-459-4582 Mobile: 414-881-3398 Fax: 414-918-0929

	Ryan Deutscher Mortgage Loan Officer – Germantown/Menomonee Falls Branch Ryan Deutscher has been with WaterStone since May, 2011 and has been in the financial industry for over 7 years. Ryan believes in the supporting the communities around him and does so by being an active member of Riverside Elementary PTA in Menomonee Falls and is active in the Greenfield, Greendale, and South Suburban Chamber of Commerce. He is also a Board Member of Grace Church of New Berlin. Email NMLS Number: 700125 Office: 262-696-7001 Fax: 414-918-0941

	Erin McCarthy Mortgage Loan Officer – Wauwatosa Branch Erin McCarthy has been with WaterStone Bank since 2004 and has been in the financial industry for over 13 years. Erin enjoys being part of her surrounding community and has become a strong supporter of the Village of Wauwatosa. She is a Board Member, Secretary, and Marketing Committee Chair for the Village of Wauwatosa Business Improvement District. She is also a Board Member and Secretary of the Friends of Hart Park Foundation, Inc. You can always find Erin participating at local events like Tosa’s Night Out or Kids’ Nights at the Zoo. Email NMLS Number: 517382 Office: 414-459-4301 Fax: 414-258-3294

	Gina Rafenstein Mortgage Loan Officer – West Allis Branch Gina Rafenstein joined WaterStone Bank in 2006 and has been in the financial industry for over 14 years. She is very involved with the community as a member of the General Federation of Women’s Club of West Allis and a member of the West Allis Celebrations Committee. She and her husband are both active members of St. Mary’s Parish in Hales Corners. The West Allis Police Department, City of West Allis, and West Allis Community Improvement Foundation have awarded and honored Gina for her high level of community support. Email NMLS Number: 517383 Office: 414-459-4451 Fax: 414-918-0923

	Wendy Rice Mortgage Loan Officer – Oak Creek Branch Wendy Rice has been with WaterStone Bank since 1997. Wendy is a member of the Greater Brookfield Chamber of Commerce and Waukesha County Business Alliance. She is also on the Loan Committee of Ways to Work. She believes in supporting her community, so every year you can find her participating in Waukesha’s Relay for Life and Brookfield’s National Night Out. Email NMLS Number: 517386 Office: 414-459-4351 Fax: 414-761-1959

	Mary Schalig Mortgage Loan Officer – Pewaukee Branch Mary Schalig joined WaterStone Bank in November 2005 and has over 17 years of financial industry experience. Mary is currently a member of the Pewaukee Chamber of Commerce. She participates in various events sponsored by Positively Pewaukee. She is a Troop Leader and Treasurer for her daughter’s Brownie Girl Scout Troop. Mary volunteers regularly for her children’s schools and for Our Savior’s Lutheran Church of Oconomowoc. Email NMLS Number: 517385 Office: 262-696-7101 Fax: 414-918-0901

	Chris Ulwelling Mortgage Loan Officer – Oconomowoc/Lake Country Branch Chris Ulwelling has been with WaterStone Bank since 2007 and has been in the financial industry for over 12 years. Chris understands the importance of being involved in the surrounding community and does so by being part of the Oconomowoc Chamber of Commerce. He also supports many local organizations such as Oconomowoc High School, Sussex/Lisbon Youth Baseball Association, and Oconomowoc Memorial Auxiliary. Email NMLS Number: 517381 Office: 262-696-7051 Fax: 414-918-0943

	Latrice Young Mortgage Loan Officer – Franklin/Hales Corners Branch Latrice Young has been with WaterStone Bank since 2001. Latrice enjoys opportunities to support the community through events such as Destination Reality at Wauwatosa East High School, Tosa’s Night Out and Kids’ Nights at the Zoo, among many others. Latrice also volunteers as the Youth Coordinator for Mt. Hermon Baptist Church in Milwaukee. Email NMLS Number: 517384 Office: 414-459-4401 Fax: 414-918-7702

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