<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=us-ascii">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Verdana;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:Aptos;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
font-size:12.0pt;
font-family:"Aptos",sans-serif;}
span.EmailStyle19
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;
mso-ligatures:none;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:1267008479;
mso-list-template-ids:1263191724;}
@list l0:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level2
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level8
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l0:level9
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style>
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72" style="word-wrap:break-word">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Thank you for bringing this to our attention Maureen. I think any time we are dealing with property inside a Native American Reservation, or we are dealing with land held
in trust for a tribe or individual tribal member we always need to consider what jurisdiction the tribe has over the land. Some tribes assert jurisdiction over their entire reservation, regardless of whether the landowners inside the reservation are non-Native
fee owners. Some are only concerned with regulating the property the tribe and their members own in trust or restricted fee.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">In those situations we will often see some kind of tribal compact between the tribe and the municipality, in which they essentially agree to disagree about who has jurisdiction
but for the good of the community they enter into a formal document outlining who has jurisdiction over what. What is being proposed here seems to reach beyond that, by giving the tribe ultimate authority to consent to or veto a project. Then again, I am
only reading the notes prepared in opposition to the approach, I haven’t reviewed the entire FPIC manual.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I think it is unlikely this will pass, but if it does, then it will be up to each underwriter to decide if they are willing to insure development projects that could be impacted
by the expanded authority granted to tribes. It may be possible to insure if the underwriter is comfortable with the documentation evidencing the tribe’s consent (although the note regarding “reversing” it’s decision is troublesome, I would personally want
more clarity on that). It may also be possible to insure with an exception that addresses the tribe’s authority.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I don’t see much as an industry we can do to impact the outcome of this, we are instead going to have to react to the outcome. However, it’s important to be aware of the result
so that each underwriter can set forth their own guidelines for insuring in the impacted area.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:silver;mso-ligatures:standardcontextual">__________________________________________________</span><span style="font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><b><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Megan Powell</span></b><span style="font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Director of Underwriting - Direct Division<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D"><img width="211" height="53" style="width:2.2in;height:.55in" id="Picture_x0020_1" src="cid:image001.jpg@01DC6557.3C8D5E10" alt="Description: https://www.firstam.com/assets/email/images/fa-logo-signature.jpg"><span style="mso-ligatures:standardcontextual"><br>
</span></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">First American Title Insurance Company<br>
Madison Centre</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">920 Fifth Avenue, Suite 1250<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060;mso-ligatures:standardcontextual">Seattle, WA 98104<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><br>
Direct: 206-615-3285<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">Mobile: 206-375-3491<br>
Email: </span><span style="font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><a href="mailto:mpowell@firstam.com"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">mpowell@firstam.com</span></a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual">
</span><span style="font-family:"Times New Roman",serif;color:#1F497D;mso-ligatures:standardcontextual"><br>
<br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366;mso-ligatures:standardcontextual">A member of the
</span><span style="font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><a href="http://www.firstam.com/"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">First American Financial Corporation</span></a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366;mso-ligatures:standardcontextual"><br>
family of companies | </span><span style="font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><a href="http://www.firstam.com/investor"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:blue">NYSE: FAF</span></a></span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D;mso-ligatures:standardcontextual"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"><img border="0" width="262" height="80" style="width:2.7333in;height:.8333in" id="Picture_x0020_2" src="cid:image002.png@01DC6557.3C8D5E10"><span style="mso-ligatures:standardcontextual"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif"><img border="0" width="267" height="82" style="width:2.7833in;height:.85in" id="Picture_x0020_4" src="cid:image003.png@01DC6557.3C8D5E10" alt="A blue rectangular sign with white text
AI-generated content may be incorrect."><span style="mso-ligatures:standardcontextual"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> Board1 <board1-bounces@washingtonlandtitle.com>
<b>On Behalf Of </b>Maureen Pfaff<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> [External] [Board1] concerning proposal by Port Angeles City Council<br>
<b>Importance:</b> High<o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<div>
<p class="MsoNormal"><span style="color:black">Hi all,<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black">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.<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black">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. <o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black">FPIC requires the following:<o:p></o:p></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
</div>
<div>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1">
Tribal consent before a project moves forward<o:p></o:p></li></ul>
</div>
<div>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1">
No deadlines or time limits<o:p></o:p></li></ul>
</div>
<div>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 level1 lfo1">
Full documentation, in the tribe's language<o:p></o:p></li></ul>
</div>
<ul type="disc">
<li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:27.0pt;mso-list:l0 level1 lfo1">
The right for the tribe to say yes, no, or <b>reverse</b> it's decision<o:p></o:p></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:27.0pt;mso-list:l0 level1 lfo1">
Binding legal agreements, grievance procedures, and compensation systems<o:p></o:p></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:27.0pt;mso-list:l0 level1 lfo1">
Deference to tribal timelines, lawyers, and independent experts<o:p></o:p></li><li class="MsoNormal" style="color:black;mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;line-height:27.0pt;mso-list:l0 level1 lfo1">
Stoppage of projects until consent is obtained<o:p></o:p></li></ul>
<p class="MsoNormal" style="line-height:27.0pt"><span style="color:black">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.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:27.0pt"><span style="color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:27.0pt"><span style="color:black">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.<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:27.0pt"><span style="color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:27.0pt"><span style="color:black">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.<o:p></o:p></span></p>
</div>
<DIV>
******************************************************************************************<BR>
This message may contain confidential or proprietary information intended only for the use of the addressee(s) named above or may contain information that is legally privileged. <BR>
If you are not the intended addressee, or the person responsible for delivering it to the intended addressee, you are hereby notified that reading, disseminating, distributing or copying this message is strictly prohibited. <BR>
If you have received this message by mistake, please immediately notify us by replying to the message and delete the original message and any copies immediately thereafter.<BR>
<BR>
If you received this email as a commercial message and would like to opt out of future commercial messages, please let us know and we will remove you from our distribution list.<BR>
<BR>
Thank you.<BR>
******************************************************************************************<BR>
FAFLD<BR>
</DIV></body>
</html>