loanDepot, Inc. is a holding company with no operations of its own, and as such, loanDepot, Inc. has no material assets other than its equity interests in LD Holdings LLC, which is also a holding company with no operations of its own, other than its equity interests in loanDepot.com, LLC, Artemis Management LLC, LD Settlement Services, LLC and mello Holdings, LLC, which are separate legal entities operated and managed through a management and governance structure as required by their applicable states of formation, and applicable legal and regulatory requirements.