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I should have also attached the list of hearings coming up in the next week as well...here it is.</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: "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: 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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<div id="divRplyFwdMsg" dir="ltr"><font face="Calibri, sans-serif" style="font-size:11pt" color="#000000"><b>From:</b> Maureen Pfaff <maureen@olypentitle.com><br>
<b>Sent:</b> Monday, January 12, 2026 4:04 PM<br>
<b>To:</b> '1 WLTA Legislative Committee' <legislativecommittee1@washingtonlandtitle.com><br>
<b>Subject:</b> 21 new bills that need review</font>
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Hi all,</div>
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The legislature was <i>busy</i> dropping bills last week and JP went through ALL of them and narrowed it down to 21 bills that need more review.  If you will let me know what bill(s) you want to take, I will forward you the AI review that goes with it. Please
 reply to the full committee so we don't end up with multiple people looking at the same bills.</div>
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HB 2193</div>
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HB 2236</div>
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Housing finance commission</div>
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HB 2265</div>
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Extreme heat/tenants</div>
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HB 2266</div>
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Supportive & emerg. housing</div>
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HB 2268</div>
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Mortgage escrow accounts</div>
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HB 2289</div>
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Operating budget, supp.</div>
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HB 2294</div>
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Use restrictions/food, med. </div>
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<td style="width:102.667px; height:12.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2298</div>
</td>
<td style="width:212px; height:12px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Property title protection</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:15pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2304</div>
</td>
<td style="width:212px; height:15px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Condominium warranties</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:15pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2333</div>
</td>
<td style="width:212px; height:15px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Political violence</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:15.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2354</div>
</td>
<td style="width:212px; height:15px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Common interest communities</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:15pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2359</div>
</td>
<td style="width:212px; height:15px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Affordable housing funding</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:15pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2375</div>
</td>
<td style="width:212px; height:15px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Real estate disclosure form</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:12.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
HB 2376</div>
</td>
<td style="width:212px; height:12px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Property tax</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:12.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 5109</div>
</td>
<td style="width:212px; height:12px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Mortgage lending fraud acc.</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:12.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 5929</div>
</td>
<td style="width:212px; height:12px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Deed of trust assignment/fee</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:12.75pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 5938</div>
</td>
<td style="width:212px; height:12px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Foreclosure prevention fee</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:16.5pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 5980</div>
</td>
<td style="width:212px; height:16px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Live presentations/sales tax</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:16.5pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 5998</div>
</td>
<td style="width:212px; height:16px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Operating budget, supp.</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:16.5pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 6027</div>
</td>
<td style="width:212px; height:16px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Affordable housing funding</div>
</td>
</tr>
<tr>
<td style="width:102.667px; height:16.5pt; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
SB 6054</div>
</td>
<td style="width:212px; height:16px; white-space:nowrap; border-width:0.5pt; border-style:solid; border-color:initial; background-color:rgb(247,180,174); padding-top:1px; padding-right:1px; padding-left:1px; vertical-align:bottom">
<div style="white-space:nowrap; font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
Wildfire home hardening/CICs</div>
</td>
</tr>
</tbody>
</table>
<div class="x_elementToProof" style="font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
<br>
</div>
<div class="x_elementToProof" id="x_Signature">
<div class="x_elementToProof" style="font-family:Aptos,Aptos_EmbeddedFont,Aptos_MSFontService,Calibri,Helvetica,sans-serif; font-size:12pt; color:rgb(0,0,0)">
<br>
</div>
<div class="x_elementToProof" style="font-family:"Lucida Handwriting","Apple Chancery",cursive; font-size:14pt; color:rgb(0,0,0)">
Maureen</div>
<div class="x_elementToProof" style="background-color:rgb(255,255,255); margin:0px">
<table id="x_table_0" style="direction:ltr; text-align:left; box-sizing:border-box; border-collapse:collapse; border-spacing:0px">
<tbody>
<tr>
<td colspan="2" style="direction:ltr; text-align:left; padding:0in 5.4pt; vertical-align:top; width:170.75pt; height:199.141px">
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:14.72px; margin-top:0px; margin-bottom:10pt">
<span style="font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif; font-size:12.8px; color:rgb(34,34,34)"><img height="210" width="210" id="x_image_0_0" style="width:210px; height:210px; margin-top:0px; margin-bottom:0px" data-outlook-trace="F:2|T:2" src="cid:70546460-b94b-4d51-ace0-cc8d78ae9092"><br>
</span></p>
</td>
<td colspan="2" style="direction:ltr; text-align:left; padding:0in 5.4pt; vertical-align:top; width:255.4pt; height:199.141px">
<p class="x_elementToProof" style="direction:ltr; text-align:left; margin-top:0px; margin-bottom:0px; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<span style="font-family:Arial,sans-serif; font-size:12.8px; color:rgb(34,34,34)"> </span></p>
<div class="x_elementToProof" style="margin:0px; padding:0in 0in 0in 4pt; border-left:1pt solid windowtext">
<p class="x_elementToProof" style="direction:ltr; text-align:left; margin-top:0px; margin-bottom:0px; padding:0in; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<span style="font-family:Arial,sans-serif; font-size:12.8px; color:rgb(34,34,34)"><br>
</span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt">
<span style="font-family:Arial; font-size:12.6667px; color:rgb(34,34,34)"><br>
</span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt">
<span style="font-family:Arial; font-size:12.6667px; color:rgb(34,34,34)">Maureen Pfaff, President and CEO</span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<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>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<span style="font-family:Arial; font-size:9.5pt; color:rgb(34,34,34)">403 S Peabody St, Port Angeles, WA 98362</span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<span style="font-family:Roboto; font-size:9.5pt; color:rgb(17,85,204)"><a title="mailto:maureen@olypentitle.com" href="mailto:maureen@olypentitle.com" style="margin-top:0px; margin-bottom:0px">maureen@olypentitle.com</a></span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:1.38; margin-top:0pt; margin-bottom:0pt; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif">
<span style="font-family:Roboto; font-size:9.5pt; color:rgb(17,85,204)"><a rel="noopener noreferrer" target="_blank" href="http://www.olypentitle.com/" style="margin:0px">www.olypentitle.com</a></span></p>
<div class="x_elementToProof" style="direction:ltr; text-align:left; margin:0px; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif; font-size:12.8px; color:rgb(34,34,34)">
<br>
</div>
</div>
<div class="x_elementToProof" style="direction:ltr; text-align:left; margin:0px; padding:0in 0in 0in 4pt; border-left:1pt solid windowtext; font-family:Roboto,RobotoDraft,Helvetica,Arial,sans-serif; font-size:12.8px; color:rgb(34,34,34)">
<br>
</div>
</td>
</tr>
<tr>
<td colspan="3" style="direction:ltr; text-align:left; padding:0in 5.4pt; vertical-align:top; width:413.75pt; height:137.094px">
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:14.72px; margin-top:0px; margin-bottom:10pt">
<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>
</span></p>
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:14.72px; margin-top:0px; margin-bottom:10pt">
<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>
</td>
<td style="direction:ltr; text-align:left; padding:0in 5.4pt; vertical-align:top; width:12.4pt; height:137.094px">
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:14.72px; margin-top:0px; margin-bottom:10pt">
<span style="font-family:"Times New Roman",serif; font-size:10pt; color:rgb(34,34,34); line-height:15.3333px"> </span></p>
</td>
</tr>
<tr>
<td colspan="3" style="direction:ltr; text-align:left; padding:0in 5.4pt; vertical-align:top; width:413.75pt; height:45.9844px">
<p class="x_elementToProof" style="direction:ltr; text-align:left; line-height:14.72px; margin-top:0px; margin-bottom:10pt">
<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 height="96" width="96" style="width:96px; height:96px; margin:0px" 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 rel="noopener noreferrer" target="_blank" href="https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be" style="color:rgb(17,85,204); margin:0px">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 rel="noopener noreferrer" target="_blank" href="https://www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be" style="color:rgb(17,85,204); margin:0px">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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