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<p class="MsoNormal"><span style="font-size:11.0pt">I am in agreement with Jesse on the potential increase in fees, however our position would be to eliminate reserves as an optional service in WA if this passes, thereby reducing options for buyers and sellers
in these circumstances.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Long Term services are not “profit centers” for us, but a necessary option for seller carry back and private financing loans. The costs of handling reserve accounts would have to increase substantially, and
I believe deter individuals from setting them up. That is not the best resolution for many consumers, as that monthly reserve deposit is what helps to ensure to the seller that there are funds to pay taxes and insurances when due.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Thank you!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783">Robin Aberasturi</span></b><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><br>
VP/Corporate Escrow Manager</span></b><b><span style="font-size:11.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783">Futura Title & Escrow, LLC</span></b><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#0B5783"><br>
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</span><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif;color:#1F497D">Cell Phone 208-250-3816<o:p></o:p></span></p>
<p class="MsoNormal"><b><i><span style="font-size:12.0pt;font-family:"Calibri",sans-serif;color:black"><o:p> </o:p></span></i></b></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"> Legislativecommittee1 <legislativecommittee1-bounces@washingtonlandtitle.com>
<b>On Behalf Of </b>Jesse Hamilton<br>
<b>Sent:</b> Wednesday, January 14, 2026 1:32 PM<br>
<b>To:</b> legislativecommittee1@washingtonlandtitle.com<br>
<b>Subject:</b> Re: [Legislativecommittee1] request for add'l reviews on HB 2268<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" style="mso-line-height-alt:.75pt"><span style="font-size:1.0pt;color:white">Dear WLTA Legislative committee, Below are the thoughts of Pioneer Title Company of Washington (and its long-term escrow department) as it relates to the proposed
legislation: In talking to the manager of our long-term escrow department (which<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Dear WLTA Legislative committee,<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Below are the thoughts of Pioneer Title Company of Washington (and its long-term escrow department) as it relates to the proposed legislation:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">In talking to the manager of our long-term escrow department (which does service files out of Washington State), she does not like this proposed legislation at all. Currently, the monies escrowed for taxes
and insurance are in a non-interest bearing trust account. If this became law, we would have to convert to an interest bearing trust account in order to pay the borrower the required 2% … and we would have to adjust our software and accounting functions to
adapt to the legislation. That would result in an increase in fees to set up Washington State files and an increase in monthly servicing fees to handle each account under the new legislation. The net monetary result to the borrower would likely not be positive.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Jesse Hamilton<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">General Counsel/ S.V.P.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Pioneer Title Company/Pioneer 1031 Company<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">1211 W. Myrtle Street, Suite 100 • Boise, ID 83702<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Phone: 208-373-3733<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><a href="mailto:jesse@pioneer1031.com"><span style="color:#467886">jesse@pioneer1031.com</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><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"> Bob Rice <<a href="mailto:Bob.Rice@trguw.com">Bob.Rice@trguw.com</a>>
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<b>Sent:</b> Wednesday, January 14, 2026 1:27 PM<br>
<b>To:</b> Jesse Hamilton <<a href="mailto:jesse@pioneer1031.com">jesse@pioneer1031.com</a>><br>
<b>Subject:</b> RE: request for add'l reviews on HB 2268<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">[<b><span style="color:red">CAUTION: External</span></b>]<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">Thanks. You might want to let the WLTA and Sean Holland know your company’s thoughts. There is some legislation being proposed in WA that may effect long term escrow.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Bob Rice</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Deputy Chief Underwriting Counsel</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Title Resources Group</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif"><a href="mailto:Bob.Rice@trguw.com"><span style="color:#0563C1">Bob.Rice@trguw.com</span></a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">208.841.3082</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <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"> Jesse Hamilton <<a href="mailto:jesse@pioneer1031.com">jesse@pioneer1031.com</a>>
<br>
<b>Sent:</b> Wednesday, January 14, 2026 11:27 AM<br>
<b>To:</b> Bob Rice <<a href="mailto:Bob.Rice@trguw.com">Bob.Rice@trguw.com</a>><br>
<b>Subject:</b> RE: request for add'l reviews on HB 2268</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Bob, </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">In talking to the manager of our long-term escrow department (which does service about 100 files out of Washington State), she does not like this at all. Currently, the monies escrowed for taxes and insurance
are in an non-interest bearing trust account. If this became law, we would have to convert to an interest bearing trust account in order to pay the borrower the required 2% … and we would have to adjust our software and accounting functions to adapt to the
legislation. That would result in an increase in fees to set up Washington State files and an increase in monthly fees to service the account under the new legislation. The net result to the borrower would likely not be positive.
</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt">Jesse Hamilton</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">General Counsel/ S.V.P.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Pioneer Title Company/Pioneer 1031 Company</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">1211 W. Myrtle Street, Suite 100 • Boise, ID 83702</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Phone: 208-373-3733</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><a href="mailto:jesse@pioneer1031.com"><span style="color:#467886">jesse@pioneer1031.com</span></a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt"> </span><span style="font-size:12.0pt"><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"> Bob Rice <<a href="mailto:Bob.Rice@trguw.com">Bob.Rice@trguw.com</a>>
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<b>Sent:</b> Tuesday, January 13, 2026 3:52 PM<br>
<b>To:</b> Jesse Hamilton <<a href="mailto:jesse@pioneer1031.com">jesse@pioneer1031.com</a>><br>
<b>Subject:</b> FW: request for add'l reviews on HB 2268</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">[<b><span style="color:red">CAUTION: External</span></b>]</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">Jesse-<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt">Not sure how closely you follow the WA Legislative Committee but wanted to bring this one to your attention in case Pioneer does long term escrow’s in WA.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt">Hope you are well.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Bob Rice</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Deputy Chief Underwriting Counsel</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">Title Resources Group</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif"><a href="mailto:Bob.Rice@trguw.com"><span style="color:#0563C1">Bob.Rice@trguw.com</span></a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Calibri",sans-serif">208.841.3082</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <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"> Legislativecommittee1 <<a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com">legislativecommittee1-bounces@washingtonlandtitle.com</a>>
<b>On Behalf Of </b>Maureen Pfaff<br>
<b>Sent:</b> Tuesday, January 13, 2026 12:56 PM<br>
<b>To:</b> '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> [Legislativecommittee1] request for add'l reviews on HB 2268</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Sean has reviewed HB 2268 and is requesting additional eyes on it.
<b><span style="background:yellow">His review is below and he is specifically asking for members of the committee who are familiar with collection escrow accounts to weigh in.</span></b></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">HB 2268 - “Residential Mortgage Escrow Acounts, …”</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">WLTA position depends on how many members are currently conducting collection escrows on residential real properties (1-4 residences) with associated tax and insurance
escrow accounts. Bill defines a “mortgage loan servicer” as any entity that has an agreement with the lender or investor of a residential mortgage loan to collect payments, including principal, interest, escrow, etc. Starting January 1, 2027, for residential
mortgages executed on or after that date, servicers will have to pay borrowers interest on funds held in tax or insurance escrows of at least 2% annual simple interest. No fee or charge may be imposed that would reduce the interest rate to less than 2%. In
a low interest rate environment that floor could mean that borrowers would have to be paid more than the servicer could earn on the funds. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">My only experience with collection escrows is on the claims side and many years ago. I don’t know enough about collection escrows to provide a recommendation on the WLTA
position. I’m asking other members of the committee who are more familiar with collection escrows and current practices to weigh in. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal" style="background:white"><span style="font-size:12.0pt;color:black">Assigned to Consumer Protection and Business Committee. Hearing not yet scheduled. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><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</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="elementtoproof"><span style="font-size:12.0pt;font-family:Roboto"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><span style="font-size:12.0pt"><o:p></o:p></span></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-size:12.0pt"><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-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="https://urldefense.com/v3/__http:/www.olypentitle.com/__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlXEI2dAF$" target="_blank">www.olypentitle.com</a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<b><span style="font-size:12.0pt;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><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-family:"Times New Roman",serif;color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><b><span style="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><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof" style="margin-bottom:10.0pt;line-height:11.05pt"><span style="font-family:"Times New Roman",serif;color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<b><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#990000;border:solid windowtext 1.0pt;padding:0in"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="_x0000_i1045" src="cid:image002.jpg@01DC89EB.B2F43160" alt="Image removed by sender."></span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="elementtoproof"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="elementtoproof" style="mso-line-height-alt:11.05pt"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6$" target="_blank"><span style="color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></a></span></b><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:blue"><br>
</span></b><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1155CC"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6$" target="_blank"><span style="color:#1155CC">ON
WIRE FRAUD PREVENTION</span></a></span></b><span style="font-size:12.0pt"><o:p></o:p></span></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:12.0pt"><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"> Sean Holland <<a href="mailto:seanholland@att.net">seanholland@att.net</a>><br>
<b>Sent:</b> Tuesday, January 13, 2026 10:13 AM<br>
<b>To:</b> Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>>; '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> Re: [Legislativecommittee1] we're down to 6 bills that need reviewers</span><span style="font-size:12.0pt">
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2266 “Encouraging permanent supportive housing, transitional housing, etc.”</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Neutral. Affects local government permitting only. No direct effect on title industry, land title records system, or real property law. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Various forms of transitional or emergency housing will have to be allowed in all zones other than industrial. Applies to cities and counties subject to Chapter 36.70A RCW (Growth Management Act)
and cities subject to Chapters 35.21 and 35.21A RCW. The permitting standards applied to the specified housing types must match those applied to residential housing in general. Does not override private CC&Rs which may limit such housing or impose more onerous
requirements than a typical residence might face. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Assigned to Housing Committee. Hearing not yet scheduled. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2268 - “Residential Mortgage Escrow Acounts, …”</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">WLTA position depends on how many members are currently conducting collection escrows on residential real properties (1-4 residences) with associated tax and insurance escrow accounts. Bill defines
a “mortgage loan servicer” as any entity that has an agreement with the lender or investor of a residential mortgage loan to collect payments, including principal, interest, escrow, etc. Starting January 1, 2027, for residential mortgages executed on or after
that date, servicers will have to pay borrowers interest on funds held in tax or insurance escrows of at least 2% annual simple interest. No fee or charge may be imposed that would reduce the interest rate to less than 2%. In a low interest rate environment
that floor could mean that borrowers would have to be paid more than the servicer could earn on the funds. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">My only experience with collection escrows is on the claims side and many years ago. I don’t know enough about collection escrows to provide a recommendation on the WLTA position. I’m asking other
members of the committee who are more familiar with collection escrows and current practices to weigh in. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Assigned to Consumer Protection and Business Committee. Hearing not yet scheduled. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">Get <a href="https://urldefense.com/v3/__https:/aka.ms/o0ukef__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNleU0bld-$">
Outlook for iOS</a><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"> Legislativecommittee1 <<a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com">legislativecommittee1-bounces@washingtonlandtitle.com</a>>
on behalf of Sean Holland <<a href="mailto:seanholland@att.net">seanholland@att.net</a>><br>
<b>Sent:</b> Tuesday, January 13, 2026 7:00:47 AM<br>
<b>To:</b> Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>>; '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> Re: [Legislativecommittee1] we're down to 6 bills that need reviewers</span><span style="font-size:12.0pt">
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt">I’ll do 2266 & 2268. <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:12.0pt">Sean<br>
<br>
<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__https:/more.att.com/currently/imap__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlSULB88p$" target="_blank"><span style="font-size:9.0pt">Sent
from AT&T Yahoo Mail for iPhone</span></a><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="xxyahoo-quoted-begin"><span style="font-size:11.5pt;color:#8473FF">On Tuesday, January 13, 2026, 6:58 AM, Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>> wrote:</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2266</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Supportive & emerg. housing</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2268</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Mortgage escrow accounts</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2289</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Operating budget, supp.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2294</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Use restrictions/food, med. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2304</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Condominium warranties</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">HB 2375</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Real estate disclosure form</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Thank you Lindsy, Michelle, Chris, Craig and Megan for sending in your requests and reviews. </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Please reply to me
<i>and</i> the leg committee list with the bills you plan to review.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;color:black">Thanks everyone!</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";color:black">Maureen</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117elementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax: (844) 513-2400</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117elementtoproof"><span style="font-size:9.5pt;font-family:Roboto;color:#1155CC"><a href="mailto:maureen@olypentitle.com" target="_blank" title="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<b><span style="font-size:12.0pt;font-family:"New serif";color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<b><span style="font-size:12.0pt;font-family:"New 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
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<p class="MsoNormal"><b><span style="font-size:12.0pt">From:</span></b><span style="font-size:12.0pt"> Craig Trummel <<a href="mailto:CTrummel@wfgtitle.com">CTrummel@wfgtitle.com</a>><br>
<b>Sent:</b> Tuesday, January 13, 2026 8:38 AM<br>
<b>To:</b> Doucette, Lindsy <<a href="mailto:Lindsy.Doucette@fnf.com">Lindsy.Doucette@fnf.com</a>>; Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>>; '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> RE: 21 new bills that need review <o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">I will take the last four</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><img border="0" width="363" height="100" style="width:3.7833in;height:1.0416in" id="x_x_yiv0931755117x_Picture_x0020_5" src="cid:image003.png@01DC89EB.B2F43160"></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in;line-height:105%"><span style="font-size:11.0pt;line-height:105%;font-family:"Arial",sans-serif;color:#1F3864"><img border="0" width="334" height="62" style="width:3.4833in;height:.6416in" id="x_x_yiv0931755117x_Picture_x0020_15" src="cid:image004.png@01DC89EB.B2F43160"><img border="0" width="42" height="42" style="width:.4416in;height:.4416in" id="x_x_yiv0931755117x_Picture_x0020_2" src="cid:image005.jpg@01DC89EB.B2F43160" alt="WLTA-WTP1 LOGO small"></span><span style="font-size:12.0pt;line-height:105%"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">Craig Trummel</span></b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"><br>
Regional Underwriter/Washington State Counsel</span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#B9A776">
</span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F497D"><br>
</span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864">C: 206.580.8344</span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F497D">
</span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:black"> |
</span><span style="font-size:12.0pt"><a href="mailto:ctrummel@wfgtitle.com" target="_blank"><span style="font-family:"Arial",sans-serif;color:#0563C1">ctrummel@wfgtitle.com</span></a></span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F497D">
| </span><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__http:/www.wfgtitle.com/__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlTuZYmyc$" target="_blank"><span style="font-family:"Arial",sans-serif;color:#0563C1">www.wfgtitle.com</span></a></span><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F497D">
</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__https:/wfgtitle.com/privacy-policy/__;!!DEULSLR5O6irNg!UD65hmIo-lTGa6MK2rou-c3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlSUX4hCB$" target="_blank"><span style="font-family:"Arial",sans-serif;color:#002060">Click
Here for WFG’s Plain English Privacy Policy</span></a><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F3864"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#1F3864"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> Legislativecommittee1 <<a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com">legislativecommittee1-bounces@washingtonlandtitle.com</a>>
<b>On Behalf Of </b>Doucette, Lindsy<br>
<b>Sent:</b> Monday, January 12, 2026 5:14 PM<br>
<b>To:</b> Maureen Pfaff <<a href="mailto:maureen@olypentitle.com">maureen@olypentitle.com</a>>; '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> Re: [Legislativecommittee1] 21 new bills that need review</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:1.0pt;color:#1D2228">Hi Maureen: I already reviewed the ones I noted below in green. I’m working my way through the list as well! Lindsy C. Doucette VP | State Counsel Fidelity Family
of Companies Pronouns: She / Her / Hers Mobile: (206) 619-0451 Email: Lindsy.</span><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span><span style="font-size:1.0pt;color:#1D2228">Doucette@</span><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span><span style="font-size:1.0pt;color:#1D2228">fnf.</span><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span><span style="font-size:1.0pt;color:#1D2228">com</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Hi Maureen:</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">I already reviewed the ones I noted below in green. I’m working my way through the list as well!</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:#0F9ED5">Lindsy C. Doucette
</span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">VP | State Counsel
</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Fidelity Family of Companies
</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Pronouns: She / Her / Hers</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Mobile: (206) 619-0451</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Email: </span><span style="font-size:12.0pt"><a href="mailto:Lindsy.Doucette@fnf.com" target="_blank"><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#0563C1">Lindsy.Doucette@fnf.com</span></a><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:black">This e-mail and its attachments are intended only for the persons named above. Please do not forward this message to others without
permission.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> Legislativecommittee1 <<a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com">legislativecommittee1-bounces@washingtonlandtitle.com</a>>
<b>On Behalf Of </b>Maureen Pfaff<br>
<b>Sent:</b> Monday, January 12, 2026 4:04 PM<br>
<b>To:</b> '1 WLTA Legislative Committee' <<a href="mailto:legislativecommittee1@washingtonlandtitle.com">legislativecommittee1@washingtonlandtitle.com</a>><br>
<b>Subject:</b> [Legislativecommittee1] 21 new bills that need review<br>
<b>Importance:</b> High</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:1.0pt;color:#1D2228">Hi all, The legislature was busy 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</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:1.0pt;color:#1D2228"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Hi all,</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">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.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2193</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Mortgage lending fraud acc.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Monitor. Recommend WLTA Monitor with low priority. ALTA monitoring.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2236</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Housing finance commission</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2265</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Extreme heat/tenants</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2266</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Supportive & emerg. housing</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2268</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Mortgage escrow accounts</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Deals with lender/servicer management of escrow accounts for mortgages. Not a title issue.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2289</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Operating budget, supp.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2294</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Prohibiting negative use restrictions on real property that have the effect of limiting consumer access to food and medicine. Adds a new section making use restrictions
void and unenforceable if they prohibit a grocery store or pharmacy.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Worth monitoring but no position needs to be taken.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2298</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Property title protection</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2304</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Condominium warranties</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2333</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Political violence</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2354</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Common interest communities</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2359</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Affordable housing funding</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2375</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Real estate disclosure form</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">HB 2376</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Property tax</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Tax relief for retired persons. Not a title issue.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 5109</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Concerning the mortgage lending fraud prosecution account. Amends RCW 36.22.181 and RCW 43.320.140 to increase fee from $1 to $5 and removes expiration date.
Related HB 2193.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Monitor. Recommend WLTA Monitor with low priority. ALTA monitoring.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<td width="103" nowrap="" valign="bottom" style="width:77.0pt;border:solid windowtext 1.0pt;border-top:none;padding:.75pt .75pt 0in .75pt;min-height:9pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 5929</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Exempting assignments or substitutions of previously recorded deeds of trust from the document recording fee and the covenant homeownership program assessment.
Amend RCW</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="font-size:11.0pt;color:black">36.22.185 and RCW</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span><span style="font-size:11.0pt;color:black">36.22.250
to carve out exception for these documents.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Support</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 5938</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
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<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Concerning the foreclosure prevention fee. Amends RCW 61.24.157 to carve out exceptions to the fee for reverse mortgages, chattel or retail installment loans,
etc.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:11.0pt;color:black">Support, low priority.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="min-height:12.0pt">
<td width="103" nowrap="" valign="bottom" style="width:77.0pt;border:solid windowtext 1.0pt;border-top:none;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 5980</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" nowrap="" valign="bottom" style="width:159.0pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Live presentations/sales tax</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="min-height:12.0pt">
<td width="103" nowrap="" valign="bottom" style="width:77.0pt;border:solid windowtext 1.0pt;border-top:none;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 5998</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" nowrap="" valign="bottom" style="width:159.0pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Operating budget, supp.</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="min-height:12.0pt">
<td width="103" nowrap="" valign="bottom" style="width:77.0pt;border:solid windowtext 1.0pt;border-top:none;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 6027</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" nowrap="" valign="bottom" style="width:159.0pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Affordable housing funding</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
</tr>
<tr style="min-height:12.0pt">
<td width="103" nowrap="" valign="bottom" style="width:77.0pt;border:solid windowtext 1.0pt;border-top:none;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">SB 6054</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" nowrap="" valign="bottom" style="width:159.0pt;border-top:none;border-left:none;border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:.75pt .75pt 0in .75pt;min-height:12pt;border-color:initial">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black">Wildfire home hardening/CICs</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div id="x_x_yiv0931755117x_Signature">
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:12.0pt;color:black"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:14.0pt;color:black">Maureen</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
<div>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse;border-spacing:0px" id="x_x_yiv0931755117x_table_0">
<tbody>
<tr style="min-height:149.35pt">
<td width="228" valign="top" style="width:170.75pt;padding:0in 5.4pt 0in 5.4pt;min-height:149.35pt">
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<span style="font-size:9.5pt;font-family:"Times New Roman",serif;color:#222222"><img border="0" width="210" height="210" style="width:2.1833in;height:2.1833in" id="x_x_yiv0931755117x_image_0_0" src="cid:image006.png@01DC89EB.B2F43160"></span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</td>
<td width="341" valign="top" style="width:255.4pt;padding:0in 5.4pt 0in 5.4pt;min-height:149.35pt">
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<div style="border:none;border-left:solid windowtext 1.0pt;padding:0in 0in 0in 4.0pt">
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:9.5pt;font-family:"Times New Roman",serif;color:#222222">Ph: (360) 457-4451 | Fax: (844) 513-2400</span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><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-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt"><a href="mailto:maureen@olypentitle.com" target="_blank" title="mailto:maureen@olypentitle.com"><span style="font-size:9.5pt;font-family:"Times New Roman",serif">maureen@olypentitle.com</span></a><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__http:/www.olypentitle.com/__;!!LyAuvDCm-53-y27wV7iK5g!1l4xm-Y9IqL8D_UUn38BNvawAS-Kj1G-TKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr_oaeGqkwbUYMgJZiYLkc$" target="_blank"><span style="font-size:9.5pt;font-family:"Times New Roman",serif">www.olypentitle.com</span></a><o:p></o:p></span></p>
<p class="xxyiv0931755117xmsonormal" style="margin:0in"><span style="font-size:9.5pt;font-family:"Times New Roman",serif;color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
</div>
</td>
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<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<b><span style="font-size:12.0pt;font-family:"New serif";color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<b><span style="font-size:12.0pt;font-family:"New 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><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<span style="font-family:"New serif";color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<b><span style="font-family:"Arial",sans-serif;color:#333333">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><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<span style="font-family:"New serif";color:#222222"> </span><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<b><span style="font-size:12.0pt;font-family:"New serif";color:#990000;border:solid windowtext 1.0pt;padding:0in"><img border="0" width="96" height="96" style="width:1.0in;height:1.0in" id="x_x_yiv0931755117x_Picture_x0020_1" src="cid:image002.jpg@01DC89EB.B2F43160" alt="Image removed by sender."></span></b><span style="font-size:12.0pt"><o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt"> <o:p></o:p></span></p>
<p class="xxyiv0931755117xelementtoproof" style="margin:0in"><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!LyAuvDCm-53-y27wV7iK5g!1l4xm-Y9IqL8D_UUn38BNvawAS-Kj1G-TKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr_oaeGqkwbUYMg7U07EJM$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></b></a></span><b><span style="font-size:12.0pt;font-family:"Arial",sans-serif;color:blue"><br>
</span></b><span style="font-size:12.0pt"><a href="https://urldefense.com/v3/__https:/www.youtube.com/watch?v=ek4TwC9owwY&feature=youtu.be__;!!LyAuvDCm-53-y27wV7iK5g!1l4xm-Y9IqL8D_UUn38BNvawAS-Kj1G-TKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr_oaeGqkwbUYMg7U07EJM$" target="_blank"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
WIRE FRAUD PREVENTION</span></b></a><o:p></o:p></span></p>
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