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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Here are my comments on these bills:<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"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">HB 2333 (Redaction for Elected/Judicial Officials):</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> WLTA should recommend modifications to the
language in this bill. There should be an exception for (narrowly) our industry or (broadly) for “financial institutions”. The federal law upon which most of these state redaction bills are based on (Daniel’s Law) provides such an exception. That exception
is for “financial institutions” as defined under the Gramm-Leach-Bliley Act (GBLA). Insurance companies are covered by that exception which means we would get unredacted access to the records described in the bill. Some legislators might be more comfortable
being consistent with the federal law so even though the broad exception extends beyond our industry, it would probably be more persuasive. It is worth noting that federal records, such as social security or IRS records, are not publicly accessible but there
is still an exception for financial institutions. State real estate records by definition are public records, and in fact the sole purpose for them are to provide public notice, so it seems the exception is appropriate here as well.<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"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">HB 2354 (EV Charging Stations & Heat Pumps):</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> This bill primarily prevents owner’s associations
from imposing unreasonable restrictions on EV charging stations and heat pumps. There is also a provision that updates some of the RCW sections that are focused on unit owner rights. I do not see any title specific issues. Recommend we are neutral on this
bill.<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"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">HB 2359 (Affordable Housing):</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> This bill primarily modifies the framework for financing affordable
housing when using tax revenue. I do not see any title specific issues. Recommend we are neutral on this bill.<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:image005.jpg@01DC846F.29D60380" 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">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">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">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:image006.png@01DC846F.29D60380"><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:image007.png@01DC846F.29D60380" 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>
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<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"> Maureen Pfaff <maureen@olypentitle.com>
<br>
<b>Sent:</b> Tuesday, January 13, 2026 8:42 AM<br>
<b>To:</b> Megan Powell <MPowell@firstam.com>; '1 WLTA Legislative Committee' <legislativecommittee1@washingtonlandtitle.com><br>
<b>Subject:</b> [External] Re: [Legislativecommittee1] the list is shrinking<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoNormal"><span style="color:black">I've given you: HB 2333, HB 2354 and HB 2359 <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="color:black">Thanks!<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen<o:p></o:p></span></p>
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<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"><img border="0" width="210" height="210" style="width:2.1833in;height:2.1833in" id="image_0_0" src="cid:image004.png@01DC846F.29D60380"></span><o:p></o:p></p>
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<p class="elementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span><span style="font-family:Roboto"><o:p></o:p></span></p>
<div style="border:none;border-left:solid windowtext 1.0pt;padding:0in 0in 0in 4.0pt">
<p class="elementtoproof"><span style="font-family:Roboto"><o:p> </o:p></span></p>
<p class="elementtoproof"><o:p> </o:p></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><o:p></o:p></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax:
<span style="background:white">(844) 513-2400</span></span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="elementtoproof"><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></a><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="elementtoproof"><a href="https://urldefense.com/v3/__http:/www.olypentitle.com/__;!!L1aKtqoz4WY!edJZvAprol2MDBkLrronvzPPNEHJlLe38ZDA-UDPED153iyQNdD-LrbL-bDNvWyFuiKH-gWsDq5OI2cOtwu9$" target="_blank"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></a><span style="font-family:Roboto"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"><o:p> </o:p></span></p>
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<b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><o:p></o:p></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;mso-line-height-alt:11.05pt">
<b><span style="font-family:"Times New Roman",serif;color:#222222">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.</span></b><o:p></o:p></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#333333;background:yellow">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.</span></b><o:p></o:p></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;mso-line-height-alt:11.05pt">
<b><span style="font-family:"Times New Roman",serif;color:#990000"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="_x0000_i1041" src="https://ci4.googleusercontent.com/proxy/NTeYNcEClGPpwHggQhZwTEbSA0lLJUWpRPCqETkeQth0ttOrN_jGm27ifReH9Vuc9_0=s0-d-e1-ft#https://i.imgur.com/JbY2vXS.png"></span></b><o:p></o:p></p>
<p class="elementtoproof"><o:p> </o:p></p>
<p class="elementtoproof" style="mso-line-height-alt:11.05pt"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!L1aKtqoz4WY!edJZvAprol2MDBkLrronvzPPNEHJlLe38ZDA-UDPED153iyQNdD-LrbL-bDNvWyFuiKH-gWsDq5OI7nUp21L$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></b></a><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!L1aKtqoz4WY!edJZvAprol2MDBkLrronvzPPNEHJlLe38ZDA-UDPED153iyQNdD-LrbL-bDNvWyFuiKH-gWsDq5OI7nUp21L$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
WIRE FRAUD PREVENTION</span></b></a><o:p></o:p></p>
<p class="MsoNormal" style="background:white"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222">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.</span></i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-family:"Calibri",sans-serif;color:black"><o:p> </o:p></span></p>
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<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black"> Megan Powell <</span><a href="mailto:MPowell@firstam.com"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">MPowell@firstam.com</span></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Sent:</b> Tuesday, January 13, 2026 8:23 AM<br>
<b>To:</b> Maureen Pfaff <</span><a href="mailto:maureen@olypentitle.com"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Subject:</b> [Legislativecommittee1] the list is shrinking</span> <o:p></o:p></p>
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<p class="MsoNormal"> <o:p></o:p></p>
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<p class="xmsonormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Maureen:</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Go ahead and assign 2 or 3 to me. Let me know the numbers and I will look at them.</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Thanks!</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-family:"Times New Roman",serif;color:#1F497D"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:silver">__________________________________________________</span><span style="font-family:"Times New Roman",serif;color:#1F497D"><br>
</span><b><span style="font-size:9.0pt;font-family:"Verdana",sans-serif;color:#113D6D">Megan Powell</span></b><span style="font-family:"Times New Roman",serif;color:#1F497D"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D">Director of Underwriting - Direct Division</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D"><br>
<img border="0" width="211" height="53" style="width:2.2in;height:.55in" id="x_Picture_x0020_1841688660" src="cid:image005.jpg@01DC846F.29D60380" alt="Description: https://www.firstam.com/assets/email/images/fa-logo-signature.jpg"><br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060">First American Title Insurance Company<br>
Madison Centre</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060">920 Fifth Avenue, Suite 1250</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#002060">Seattle, WA 98104</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D"><br>
Direct: 206-615-3285</span><o:p></o:p></p>
<p class="xmsonormal"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D">Mobile: 206-375-3491<br>
Email: </span><a href="mailto:mpowell@firstam.com"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif">mpowell@firstam.com</span></a><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#113D6D">
</span><span style="font-family:"Times New Roman",serif;color:#1F497D"><br>
<br>
</span><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366">A member of the
</span><a href="http://www.firstam.com/"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif">First American Financial Corporation</span></a><span style="font-size:7.5pt;font-family:"Verdana",sans-serif;color:#003366"><br>
family of companies | </span><a href="http://www.firstam.com/investor"><span style="font-size:7.5pt;font-family:"Verdana",sans-serif">NYSE: FAF</span></a><o:p></o:p></p>
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<p class="xmsonormal"><span style="font-family:"Calibri",sans-serif"><img border="0" width="262" height="80" style="width:2.7333in;height:.8333in" id="x_Picture_x0020_653291834" src="cid:image006.png@01DC846F.29D60380"></span><o:p></o:p></p>
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<p class="xmsonormal"><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"> Legislativecommittee1 <</span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<b>On Behalf Of </b>Maureen Pfaff<br>
<b>Sent:</b> Monday, January 12, 2026 4:41 PM<br>
<b>To:</b> '1 WLTA Legislative Committee' <</span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></a><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> [External] [Legislativecommittee1] the list is shrinking</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black">These bills have been spoken for:</span><o:p></o:p></p>
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<p class="xelementtoproof" style="background:white"><span style="color:black">HB 2298</span><o:p></o:p></p>
<p class="xelementtoproof" style="background:white"><span style="color:black">SB 5929</span><o:p></o:p></p>
<p class="xelementtoproof" style="background:white"><span style="color:black">SB5938</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black">HB 2193 / SB 5109</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black">HB 2236</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black">HB 2265</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black"> </span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black">Thank you Michelle and Chris!</span><o:p></o:p></p>
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<p class="xmsonormal"><span style="color:black"> </span><o:p></o:p></p>
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<p class="xmsonormal"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen</span><o:p></o:p></p>
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<p class="xelementtoproof"><span style="font-family:Roboto"> </span><o:p></o:p></p>
<p class="xelementtoproof"> <o:p></o:p></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><o:p></o:p></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax:
<span style="background:white">(844) 513-2400</span></span><o:p></o:p></p>
<p class="xelementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span><o:p></o:p></p>
<p class="xelementtoproof"><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></a><o:p></o:p></p>
<p class="xelementtoproof"><a href="https://urldefense.com/v3/__http:/www.olypentitle.com/__;!!L1aKtqoz4WY!ZVRDm6ni7r41CiAQisXa-KwjZNOfYUC5VuytAhzmnDASv36SW7PNHnPiy3zK2WAkYQLR_W15v5B39RuKiGi-$" target="_blank"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></a><o:p></o:p></p>
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<p class="xelementtoproof" style="margin-bottom:10.0pt"><b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt"><b><span style="font-family:"Times New Roman",serif;color:#222222">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.</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#333333;background:yellow">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.</span></b><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span><o:p></o:p></p>
<p class="xelementtoproof" style="margin-bottom:10.0pt"><b><span style="font-family:"Times New Roman",serif;color:#990000"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="_x0000_i1036" src="https://ci4.googleusercontent.com/proxy/NTeYNcEClGPpwHggQhZwTEbSA0lLJUWpRPCqETkeQth0ttOrN_jGm27ifReH9Vuc9_0=s0-d-e1-ft#https://i.imgur.com/JbY2vXS.png"></span></b><o:p></o:p></p>
<p class="xelementtoproof"> <o:p></o:p></p>
<p class="xelementtoproof"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!L1aKtqoz4WY!ZVRDm6ni7r41CiAQisXa-KwjZNOfYUC5VuytAhzmnDASv36SW7PNHnPiy3zK2WAkYQLR_W15v5B39XzAb12H$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></b></a><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!L1aKtqoz4WY!ZVRDm6ni7r41CiAQisXa-KwjZNOfYUC5VuytAhzmnDASv36SW7PNHnPiy3zK2WAkYQLR_W15v5B39XzAb12H$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
WIRE FRAUD PREVENTION</span></b></a><o:p></o:p></p>
<p class="xmsonormal" style="background:white"><i><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222">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.</span></i><o:p></o:p></p>
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