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Not sure why my signature dropped off the earlier email, but just in case it wasn't clear - it came from me.</div>
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Maureen</div>
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<span style="font-family: Arial; font-size: 12.6667px; color: rgb(34, 34, 34);">Maureen Pfaff, President and CEO</span></p>
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<span style="font-family: Roboto; font-size: 9.5pt; color: rgb(34, 34, 34);">Ph: (360) 457-4451 | Fax:
</span><span style="font-size: 12.8px; color: rgb(34, 34, 34); background-color: rgb(255, 255, 255);">(844) 513-2400</span></p>
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<span style="font-family: Arial; font-size: 9.5pt; color: rgb(34, 34, 34);">403 S Peabody St, Port Angeles, WA 98362</span></p>
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<span style="font-family: Roboto; font-size: 9.5pt; color: rgb(17, 85, 204);"><a style="margin-top: 0px; margin-bottom: 0px;" title="mailto:maureen@olypentitle.com" href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a></span></p>
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<span style="font-family: Roboto; font-size: 9.5pt; color: rgb(17, 85, 204);"><a style="margin: 0px;" rel="noopener noreferrer" target="_blank" href="http://www.olypentitle.com/">www.olypentitle.com</a></span></p>
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<span style="font-family: "Times New Roman", serif; font-size: 12pt; color: rgb(153, 0, 0); line-height: 18.4px;"><b>WARNING – FRAUDULENT FUNDING INSTRUCTIONS</b></span><span style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px; color: rgb(34, 34, 34);"><br>
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<span style="font-family: "Times New Roman", serif; font-size: 12pt; color: rgb(34, 34, 34); line-height: 18.4px;"><b>Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information
found from an independent source, such as the sales contract or internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account.</b></span></p>
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<span style="font-family: Arial, sans-serif; font-size: 10pt; color: rgb(51, 51, 51); background-color: yellow; line-height: 15.3333px;"><b>ATTENTION LENDERS: Loan packages, complete with documents and balanced CD, must be received no later than 2:00 pm PST on
the day <i>prior</i> to signing.</b></span></p>
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<span style="font-family: "Times New Roman", serif; font-size: 12pt; color: rgb(153, 0, 0); line-height: 18.4px;"><b><img style="width: 96px; height: 96px; margin: 0px;" height="96" width="96" src="https://ci4.googleusercontent.com/proxy/NTeYNcEClGPpwHggQhZwTEbSA0lLJUWpRPCqETkeQth0ttOrN_jGm27ifReH9Vuc9_0=s0-d-e1-ft#https://i.imgur.com/JbY2vXS.png"></b></span></p>
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<span style="font-family: Arial, sans-serif; font-size: 12pt; color: rgb(17, 85, 204); line-height: 18.4px;"><b><a style="color: rgb(17, 85, 204); margin: 0px;" rel="noopener noreferrer" target="_blank" href="https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be">CLICK
HERE TO WATCH VIDEO </a></b></span><span style="font-family: Arial, sans-serif; font-size: 12pt; color: blue; line-height: 18.4px;"><b><br>
</b></span><span style="font-family: Arial, sans-serif; font-size: 12pt; color: rgb(17, 85, 204); line-height: 18.4px;"><b><a style="color: rgb(17, 85, 204); margin: 0px;" rel="noopener noreferrer" target="_blank" href="https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be">ON
WIRE FRAUD PREVENTION</a></b></span></p>
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<i>This electronic mail may constitute a client communication that is privileged at law. It is not intended for transmission to, or receipt by, any unauthorized persons. <br>
If you have received this electronic mail transmission in error, please delete it from your system without copying it, and notify the sender by reply e-mail, so that our address record can be corrected.</i></div>
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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size:11pt" color="#000000"><b>From:</b> Board1 <board1-bounces@washingtonlandtitle.com> on behalf of Maureen Pfaff <maureen@olypentitle.com><br>
<b>Sent:</b> Thursday, December 4, 2025 3:04 PM<br>
<b>To:</b> 1 WLTA Board (board1@washingtonlandtitle.com) <board1@washingtonlandtitle.com><br>
<b>Subject:</b> [Board1] concerning proposal by Port Angeles City Council</font>
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Hi all,</div>
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One of our local builders called me this afternoon about a proposal that came out at the city council meeting this week. They were discussing the city's 20-year Comprehensive Plan which is under review and scheduled to be finalized and go into effect January
26, 2026. The specific proposed change that got my attention is discussed in the attached document beginning on the bottom of page 4 under the heading: A New Push: Expanded Tribal Authority over City Decisions.</div>
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In a nutshell, they are proposing to replace the current language of acknowledging the Lower Elwha Klallam Tribe's sovereign status and agreement by the City to work collaboratively with the Tribe on future land-use planning with "Free, Prior, and Informed
Consent (FPIC) which is an international legal standard going far beyond anything currently required under Washington law, the Centennial Accord, or federal Indian law according to the party who wrote this review of the council session. </div>
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FPIC requires the following:</div>
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<div role="presentation" class="x_elementToProof">Tribal consent before a project moves forward</div>
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<div role="presentation" class="x_elementToProof">No deadlines or time limits</div>
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<div role="presentation" class="x_elementToProof">Full documentation, in the tribe's language</div>
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The right for the tribe to say yes, no, or <b>reverse</b> it's decision</div>
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Binding legal agreements, grievance procedures, and compensation systems</div>
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Deference to tribal timelines, lawyers, and independent experts</div>
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Stoppage of projects until consent is obtained</div>
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According to the writer, FPIC is designed for mining, dams, oil extraction, and major infrastructure in developing nations. It has never been applied to municipal planning, city rezones, or individual property permits in Washington state.</div>
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In reading this, my concern is how would it affect our ability to insure transactions? I don't believe the council is taking into account all of the potential repercussions adopting this language is opening up. I am curious if anyone else on the board has
heard of language such as this being added into a city planning document and, if so, what sort of issues have arisen insuring projects. Beyond that, I am curious what our underwriters see as potential effects on insurability of properties in the city of Port
Angeles with this type of planning requirement.</div>
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The next city council meeting is December 16<sup>th</sup> and the local real estate community plans to be at the meeting with prepared comments. I would like to hear the thoughts of this board as I am preparing my own comments for submission.</div>
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