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<p class="MsoNormal">We serviced a few credit union accounts but we have them no longer.
</p>
<p class="MsoNormal"> </p>
<p class="MsoNormal">We don’t currently service any loans for institutional lenders, banks, or credit unions.
</p>
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<i><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253;mso-ligatures:standardcontextual">What are you working on right now that I can help you with?<br>
</span></i><span style="font-size:10.5pt;font-family:"Trebuchet MS",sans-serif;color:#595959;mso-ligatures:standardcontextual"><br>
ANTHONY V. CAROLLO</span><span style="font-size:9.0pt;font-family:"Lucida Grande";color:black;mso-ligatures:standardcontextual"></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959;mso-ligatures:standardcontextual">CEO</span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959"><img width="108" height="22" style="width:1.125in;height:.2291in" id="Picture_x0020_24" src="cid:image002.jpg@01DC8ADB.A2B7D5E0"><span style="mso-ligatures:standardcontextual"></span></span></p>
<p class="MsoNormal" style="margin-top:12.0pt"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959;mso-ligatures:standardcontextual">Vista Title & Escrow</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-ligatures:standardcontextual"></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959;mso-ligatures:standardcontextual">201 W North River Drive #205, Spokane, WA 99201</span><span style="mso-ligatures:standardcontextual"></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959;mso-ligatures:standardcontextual">Mobile 509.999.7050 | Direct 509.321.3940
</span><span style="mso-ligatures:standardcontextual"></span></p>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="mso-ligatures:standardcontextual"><a href="mailto:acarollo@vistatitle.com"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">acarollo@vistatitle.com</span></a></span><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;mso-ligatures:standardcontextual">
<span style="color:#798D91">| </span></span><span style="mso-ligatures:standardcontextual"><a href="http://vistatitle.com/"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">vistatitle.com</span></a></span><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91;mso-ligatures:standardcontextual"> | </span><span style="mso-ligatures:standardcontextual"><a href="https://www.facebook.com/vistatitleandescrow/"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">Facebook</span></a></span><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91;mso-ligatures:standardcontextual"> </span><span style="font-size:8.5pt;font-family:"Trebuchet MS",sans-serif;color:#999999;mso-ligatures:standardcontextual"> </span><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91;mso-ligatures:standardcontextual"> </span><span style="mso-ligatures:standardcontextual"></span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253;mso-ligatures:standardcontextual">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></p>
<p class="MsoNormal"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253;mso-ligatures:standardcontextual">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><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#6C846A;mso-ligatures:standardcontextual"></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"> Carrie Tellefson <carrie@sound-gov.com>
<br>
<b>Sent:</b> Wednesday, January 21, 2026 10:51 AM<br>
<b>To:</b> Maureen Pfaff <maureen@olypentitle.com>; seanholland@att.net<br>
<b>Cc:</b> legislativecommittee1@washingtonlandtitle.com; Anthony Carollo <acarollo@vistatitle.com>; Marcella Carey <marcella@frontiertitle.biz>; Jesse Hamilton <jesse@pioneer1031.com>; Robin Aberasturi <robin.aberasturi@futuratitle.com><br>
<b>Subject:</b> Re: [Legislativecommittee1] HB 2268 suggested carve out language</span></p>
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<p style="background:#FFCACA;border:none;padding:0in"><b><span style="color:black">[EXTERNAL EMAIL]</span></b><span style="color:black">
</span><span style="font-size:10.0pt;color:black">This message originated outside of your organization. Remember to always use caution when opening attachments or clicking on links.</span></p>
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<p class="MsoNormal"><span style="color:black">Ok thanks. Do you also hold mortgage escrow accounts for routine lender-financed transactions?</span></p>
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<p style="margin:0in"><span style="font-family:"Helvetica",sans-serif;color:black">Carrie Tellefson, JD, President<br>
Sound Government Solutions<br>
253-576-9908 (cell)</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"></span></p>
<p style="margin:0in"><span style="font-family:"Helvetica",sans-serif;color:black"><br>
</span><span style="font-size:10.5pt;font-family:"Calibri",sans-serif;color:black"><img border="0" width="399" height="39" style="width:4.1597in;height:.4097in" id="Picture_x0020_1" src="cid:image003.png@01DC8ADB.A2B7D5E0" alt="cid2387524142*81be06f7-0e2f-4cbb-ba84-52a5c8d90d15"></span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></p>
<p style="margin:0in"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I understand that everyone has their own way of working. I’m sending this email at a time that suits my schedule, but there’s no expectation for you to read, reply or
act on it outside your regular work hours.</span></i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"></span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></p>
<p style="margin:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><a name="_MailOriginalBody"><b><span style="color:black">From:
</span></b></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Maureen Pfaff <maureen@olypentitle.com><br>
<b>Date: </b>Wednesday, January 21, 2026 at 10:37</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:black"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">AM<br>
<b>To: </b>Carrie Tellefson <carrie@sound-gov.com>, seanholland@att.net <seanholland@att.net><br>
<b>Cc: </b>legislativecommittee1@washingtonlandtitle.com <legislativecommittee1@washingtonlandtitle.com>, Anthony Carollo <acarollo@vistatitle.com>, Marcella Carey <marcella@frontiertitle.biz>, Jesse Hamilton <jesse@pioneer1031.com>, Robin Aberasturi <robin.aberasturi@futuratitle.com><br>
<b>Subject: </b>Re: [Legislativecommittee1] HB 2268 suggested carve out language</span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Carrie,</span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">I don't think we want to narrow it just to Seller financing because many of the title companies the handle contract servicing have a mix of both seller financing contracts
and private money loans. This is often referred to as "contract collections" or "collection escrow". When my company was doing this type of work, we referred to it as "contract loan servicing" to avoid people thinking we were a collections agent. I think
the carve out should be for Title Insurance companies and Title Insurance Agents because it is safe to say anyone in our field that is doing this work will have the same issue with this legislation. (no ability to pay 2% interest on reserve account balances
without raising fees to the point that clients would decline the service and most likely companies no longer offering reserve accounts at all).</span></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen</span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"><img border="0" width="210" height="210" style="width:2.1875in;height:2.1875in" id="image_0_0" src="cid:image004.png@01DC8ADB.A2B7D5E0"></span></span></p>
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<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"></span></span></p>
<div style="border:none;border-left:solid windowtext 1.0pt;padding:0in 0in 0in 4.0pt">
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"> </span></span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span></span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"></span></span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"></span></span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"></span></span></p>
<p class="elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.olypentitle.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=PAuO63pYc7coWKepeYrt36DY_etacPNiHt8fjJDoVh69Tmw3HApNw9zooDD_gxDt&s=lX8U8HR0Q23udhQKeB33PM9Y2PjEbZ5tHvtLtfbcO0s&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"></span></span></p>
<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
<span style="mso-bookmark:_MailOriginalBody"></span>
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<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
Legislativecommittee1 <legislativecommittee1-bounces@washingtonlandtitle.com> on behalf of Carrie Tellefson <carrie@sound-gov.com><br>
<b>Sent:</b> Wednesday, January 21, 2026 6:54 AM<br>
<b>To:</b> seanholland@att.net <seanholland@att.net><br>
<b>Cc:</b> legislativecommittee1@washingtonlandtitle.com <legislativecommittee1@washingtonlandtitle.com>; Anthony Carollo <acarollo@vistatitle.com>; Marcella Carey <marcella@frontiertitle.biz>; Jesse Hamilton <jesse@pioneer1031.com><br>
<b>Subject:</b> Re: [Legislativecommittee1] HB 2268 suggested carve out language</span></span><span style="mso-bookmark:_MailOriginalBody">
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody">That makes sense Sean, thanks.
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody">What do others think?</span></p>
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<p class="MsoNormal"><span style="mso-bookmark:_MailOriginalBody">Sent from my iPhone</span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="mso-bookmark:_MailOriginalBody">On Jan 21, 2026, at 5:31</span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif"> </span></span><span style="mso-bookmark:_MailOriginalBody">AM,
seanholland@att.net wrote:</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">If the goal is to carve out seller financing, rather than title companies in general, the exemption should be limited to seller carry back loans. If there’s a solid rationale
for exempting that type of loan, a loan-focused exemption might be an easier sell than an industry-focused exemption.</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">(2) "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security
interest on a dwelling, as defined in the truth in lending act, or residential real estate upon which is constructed or intended to be constructed a dwelling<u>, but does not include a loan made by the seller of real property.</u></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">I’m going to be traveling today and won’t be able to follow up until later. If this idea works, feel free to tweak it without my input.</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Sean</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Legislativecommittee1 <legislativecommittee1-bounces@washingtonlandtitle.com> <b>
On Behalf Of </b>Carrie Tellefson<br>
<b>Sent:</b> Tuesday, January 20, 2026 9:07 PM<br>
<b>To:</b> Jesse Hamilton <jesse@pioneer1031.com><br>
<b>Cc:</b> Anthony Carollo <acarollo@vistatitle.com>; Marcella Carey <marcella@frontiertitle.biz>; legislativecommittee1@washingtonlandtitle.com; seanholland@att.net<br>
<b>Subject:</b> Re: [Legislativecommittee1] HB 2268 suggested carve out language</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Ok - so this would only apply if there is seller financing? I’ll look forward to hearing more tomorrow. I’ll need to talk with the prime sponsor
of the bill in the next day or two. </span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thanks!</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Carrie</span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Helvetica",sans-serif;color:black">Carrie Tellefson, JD, President<br>
Sound Government Solutions<br>
253-576-9908 (cell)</span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I understand that everyone has their own way of working. I’m sending this email at a time that suits my schedule, but there’s
no expectation for you to read, reply or act on it outside your regular work hours.</span></i></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><a name="x__MailOriginalBody"><b><span style="color:black">From:
</span></b></a><span style="color:black">Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody">jesse@pioneer1031.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Date: </b>Tuesday, January 20, 2026 at 9:01</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:black"> </span><span style="color:black">PM<br>
<b>To: </b>Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Cc: </b></span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">
<</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>, Anthony
Carollo <</span></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody">acarollo@vistatitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody">maureen@olypentitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody">robin.aberasturi@futuratitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Craig Trummel <</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody">ctrummel@wfgtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Marcella Carey <</span></span><a href="mailto:marcella@frontiertitle.biz"><span style="mso-bookmark:_MailOriginalBody">marcella@frontiertitle.biz</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody">jpkissling@fitico.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">
<</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Subject: </b>Re: HB 2268 suggested carve out language</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">I would think all title insurers and title agents. There may also be escrow only agencies that handle long term escrow contracts but will let others in WA speak to that since
my knowledge base is grounded in Idaho law </span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Jesse Hamilton
</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">S.V.P./General Counsel</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Pioneer Title Company</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">208-373-3733</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.pioneertitleco.com&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=PAuO63pYc7coWKepeYrt36DY_etacPNiHt8fjJDoVh69Tmw3HApNw9zooDD_gxDt&s=EP-klgbHqfq3_eVUixjMcWqpUyej2Im6RSAKCC8C1Ts&e="><span style="mso-bookmark:_MailOriginalBody">www.pioneertitleco.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<span style="mso-bookmark:_MailOriginalBody">On Jan 20, 2026, at 9:51</span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif"> </span>PM, Carrie Tellefson <</span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">>
wrote:</span></p>
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<span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif"></span> [<b><span style="color:red">CAUTION: External</span></b>]</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Ok that’s helpful. Are we carving out all title insurers or just those that are in your area of work? I’ll need to be able to explain to the prime
sponsor why the carve out is needed and who it applies to.</span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Helvetica",sans-serif;color:black">Carrie Tellefson, JD, President<br>
Sound Government Solutions<br>
253-576-9908 (cell)</span></span></p>
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I understand that everyone has their own way of working. I’m sending this email at a time that suits my schedule, but there’s
no expectation for you to read, reply or act on it outside your regular work hours.</span></i></span></p>
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="color:black">From: </span>
</b><span style="color:black">Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody">jesse@pioneer1031.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Date: </b>Tuesday, January 20, 2026 at 8:46</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:black"> </span><span style="color:black">PM<br>
<b>To: </b>Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Cc: </b></span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">
<</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>, Anthony
Carollo <</span></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody">acarollo@vistatitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody">maureen@olypentitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody">robin.aberasturi@futuratitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Craig Trummel <</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody">ctrummel@wfgtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Marcella Carey <</span></span><a href="mailto:marcella@frontiertitle.biz"><span style="mso-bookmark:_MailOriginalBody">marcella@frontiertitle.biz</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody">jpkissling@fitico.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">
<</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Subject: </b>Re: HB 2268 suggested carve out language</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">No our clients are primarily private party Buyers and Sellers in which the Seller engages in seller carry-back financing for the Buyer and we simply service the payments owing
on the contract. </span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Jesse Hamilton
</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">S.V.P./General Counsel</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Pioneer Title Company</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">208-373-3733</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.pioneertitleco.com&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=PAuO63pYc7coWKepeYrt36DY_etacPNiHt8fjJDoVh69Tmw3HApNw9zooDD_gxDt&s=EP-klgbHqfq3_eVUixjMcWqpUyej2Im6RSAKCC8C1Ts&e="><span style="mso-bookmark:_MailOriginalBody">www.pioneertitleco.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<p class="xmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody">On Jan 20, 2026, at 9:41</span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif"> </span>PM, Carrie Tellefson <</span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">>
wrote:</span></p>
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<span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif"></span> [<b><span style="color:red">CAUTION: External</span></b>]</span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thanks Sean. So Rep Bernbaum is trying to target the online lenders. I’m assuming that you all aren’t doing business with them anyway? Or is that
not the accurate? </span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thanks,</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Carrie</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<div id="x_ms-outlook-mobile-signature">
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Helvetica",sans-serif;color:black">Carrie Tellefson, JD, President<br>
Sound Government Solutions<br>
253-576-9908 (cell)</span></span></p>
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><image001.png></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span></p>
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I understand that everyone has their own way of working. I’m sending this email at a time that suits my schedule, but there’s
no expectation for you to read, reply or act on it outside your regular work hours.</span></i></span></p>
<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span></p>
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<p class="xmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><b><span style="color:black">From: </span>
</b></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> <</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody">seanholland@att.net</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Date: </b>Tuesday, January 20, 2026 at 5:49</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:black"> </span><span style="color:black">PM<br>
<b>To: </b>'Anthony Carollo' <</span></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody">acarollo@vistatitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'Maureen Pfaff' <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody">maureen@olypentitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'Robin Aberasturi' <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody">robin.aberasturi@futuratitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'Jesse Hamilton' <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody">jesse@pioneer1031.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'Craig Trummel' <</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody">ctrummel@wfgtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'Marcella Carey' <</span></span><a href="mailto:marcella@frontiertitle.biz"><span style="mso-bookmark:_MailOriginalBody">marcella@frontiertitle.biz</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'JP Kissling' <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody">jpkissling@fitico.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Subject: </b>RE: HB 2268 suggested carve out language</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">A carve out for agents only could be:</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">(d) A title insurance agent licensed pursuant to RCW 48.29.155.</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">For underwriters and agents, maybe:</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">(d) A title insurer or title insurance agent licensed pursuant to Chapter 48.29 RCW.</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Sean</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Anthony Carollo <</span></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">acarollo@vistatitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Tuesday, January 20, 2026 1:37 PM<br>
<b>To:</b> Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">robin.aberasturi@futuratitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Craig Trummel <</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">ctrummel@wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Marcella Carey <</span></span><a href="mailto:marcella@frontiertitle.biz"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">marcella@frontiertitle.biz</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Sean Holland <</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">seanholland@att.net</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jpkissling@fitico.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">carrie@sound-gov.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> RE: HB 2268 suggested carve out language</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">I’m not an attorney and don’t pretend to have the right “carve out” language.
</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody">How about adding a simple carve out for:</span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><i>(d) title insurance agencies licensed by the Washington Office of Insurance Commissioner</i></span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<div>
<p class="xmsonormal" style="margin:0in;background:white;vertical-align:baseline">
<span style="mso-bookmark:_MailOriginalBody"><i><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253">What are you working on right now that I can help you with?<br>
</span></i></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.5pt;font-family:"Trebuchet MS",sans-serif;color:#595959"><br>
ANTHONY V. CAROLLO</span></span></p>
<p class="xmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959">CEO</span></span></p>
<div>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><image001.jpg></span></p>
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<p class="xmsonormal" style="mso-margin-top-alt:12.0pt;margin-right:0in;margin-bottom:0in;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959">Vista Title & Escrow</span></span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959">201 W North River Drive #205, Spokane, WA 99201</span></span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#595959">Mobile 509.999.7050 | Direct 509.321.3940
</span></span></p>
<p class="xmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">acarollo@vistatitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">
<span style="color:#798D91">| </span></span></span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__vistatitle.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=PAuO63pYc7coWKepeYrt36DY_etacPNiHt8fjJDoVh69Tmw3HApNw9zooDD_gxDt&s=fH1rTmDGf-vuf6LElNAWYHWkyhSWcTuJmOjlVmnV9JU&e="><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">vistatitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91"> | </span></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__www.facebook.com_vistatitleandescrow_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=PAuO63pYc7coWKepeYrt36DY_etacPNiHt8fjJDoVh69Tmw3HApNw9zooDD_gxDt&s=DiaYkT00PxE21h6KDfkk-Rd79W1rMAW5oEt3cNJrEmw&e="><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif">Facebook</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:8.5pt;font-family:"Trebuchet MS",sans-serif;color:#999999"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#798D91"> </span></span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></span></p>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Trebuchet MS",sans-serif;color:#555253">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></span></p>
</div>
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
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<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Tuesday, January 20, 2026 1:27 PM<br>
<b>To:</b> Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">robin.aberasturi@futuratitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Craig Trummel <</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">ctrummel@wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Anthony Carollo <</span></span><a href="mailto:acarollo@vistatitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">acarollo@vistatitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Marcella Carey <</span></span><a href="mailto:marcella@frontiertitle.biz"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">marcella@frontiertitle.biz</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
Sean Holland <</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">seanholland@att.net</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jpkissling@fitico.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> HB 2268 suggested carve out language<br>
<b>Importance:</b> High</span></span></p>
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<p style="margin:0in;background:#FFCACA"><span style="mso-bookmark:_MailOriginalBody"><b><span style="color:black">[EXTERNAL EMAIL]</span></b><span style="color:black">
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;color:black">This message originated outside of your organization. Remember to always use caution when opening attachments or clicking on links.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Some of you will likely get this email twice, but I wanted to make sure that those of you who are in the contract loan servicing arena saw this and
it didn't get hung up waiting to be delivered via the list serve email.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">I reached out to Carrie this morning with the concerns that have been raised about HB 2268 and the requirement that loan servicers who provide reserve
accounts pay interest to the borrowers on those funds. She responded with the email below, so if we want to propose carve-out language to the bill sponsor it will need to happen ASAP. Please take a look at what is being proposed and if you have suggested
language to create a carve-out share it with the group.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen</span></span></p>
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<p class="xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span></span></p>
<p class="xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
<p class="xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span></span></p>
<p class="xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=http-3A__www.olypentitle.com_&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=IINhqzbU0XYdIG3ovSKsbt-aspcILVDlWScezc24VdQ&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
<p class="xelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
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<p class="xmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><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
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">carrie@sound-gov.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Sent:</b> Tuesday, January 20, 2026 12:18 PM<br>
<b>To:</b> Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jpkissling@fitico.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
Michelle Taylor <</span></span><a href="mailto:mjtaylor@firstam.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">mjtaylor@firstam.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Cc:</b> Sam Miller <</span></span><a href="mailto:sam@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">sam@sound-gov.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Subject:</b> Re: request for add'l reviews on HB 2268</span> </span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Hi All - I have been working on this bill for the bankers association. The bill is going to be narrowed. Here’s the definition the sponsor is considering.
He plans for the hearing to be on the proposed substitute language. The hearing is likely to be next week.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">It will limit the policy to non-depository mortgage loan servicers as defined below. Note, that “financial institutions” are excluded, and a “financial
institution” as defined in RCW 30A.22.040 is: (8) "Financial institution" means a bank, trust company, mutual savings bank, savings and loan association, or credit union authorized to do business and accept deposits in this state under state or federal law.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">(1) “Non depository mortgage loan servicer" means an entity, wherever located, that is responsible for servicing a residential mortgage loan, including
collecting or receiving payments on existing obligations due, including payments of principal, interest, escrow amounts, servicing fees, and other amounts due. A mortgage loan servicer does not include:</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">(a) A financial institution as defined in RCW 30A.22.040;</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">(b) A federal agency or department; or</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">(c) A collection agency as defined in RCW 19.16.100.</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thanks,</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Carrie</span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Helvetica",sans-serif;color:black">Carrie Tellefson, JD, President<br>
Sound Government Solutions<br>
253-576-9908 (cell)</span></span></p>
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<p style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><i><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">I understand that everyone has their own way of working. I’m sending this email at a time that suits my schedule, but there’s
no expectation for you to read, reply or act on it outside your regular work hours.</span></i></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="color:black">From: </span>
</b><span style="color:black">Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody">maureen@olypentitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Date: </b>Tuesday, January 20, 2026 at 12:11</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:black"> </span><span style="color:black">PM<br>
<b>To: </b>JP Kissling <</span></span><a href="mailto:jpkissling@fitico.com"><span style="mso-bookmark:_MailOriginalBody">jpkissling@fitico.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Michelle Taylor <</span></span><a href="mailto:mjtaylor@firstam.com"><span style="mso-bookmark:_MailOriginalBody">mjtaylor@firstam.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">>,
Carrie Tellefson <</span></span><a href="mailto:carrie@sound-gov.com"><span style="mso-bookmark:_MailOriginalBody">carrie@sound-gov.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">><br>
<b>Subject: </b>Fw: request for add'l reviews on HB 2268</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Good morning,</span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Three member companies who provide contract loan servicing have weighed in on this and the consensus is that if the bill were to pass in the current
form these companies would likely stop offering escrow for tax and insurance reserves meaning consumers will have even fewer options available to them in the market. This is a low margin business and the funds held in escrow are not held in interest bearing
accounts so the costs to set that up for each client and pay them 2% interest (business accounts do not earn anywhere
<i>near </i>that level of interest) will<i> </i>be passed on to the client via rate increases that would likely cause the clients to decline the service. If we can propose language that would carve out Collection Escrow providers from the bill I think we should.</span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>
on behalf of Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">robin.aberasturi@futuratitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Sent:</b> Tuesday, January 20, 2026 10:50 AM<br>
<b>To:</b> 'Craig Trummel' <</span></span><a href="mailto:CTrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">CTrummel@wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
'Jesse Hamilton' <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
<</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Subject:</b> Re: [Legislativecommittee1] request for add'l reviews on HB 2268</span>
</span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">I agree! We are not “servicers” in that true sense, but I don’t want to get caught up in it, so without an exemption, we will likely refrain
from handling reserves.</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Thanks Craig!</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783">Robin Aberasturi</span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><br>
VP/Corporate Escrow Manager</span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783">Futura Title & Escrow, LLC</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><br>
<br>
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif;color:#1F497D">Cell Phone 208-250-3816</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><i><span style="font-family:"Calibri",sans-serif;color:black"> </span></i></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"> </span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Craig Trummel <</span></span><a href="mailto:CTrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">CTrummel@wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Tuesday, January 20, 2026 11:32 AM<br>
<b>To:</b> Robin Aberasturi <</span></span><a href="mailto:robin.aberasturi@futuratitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">robin.aberasturi@futuratitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
'Jesse Hamilton' <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><br>
<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Subject:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> RE: request
for add'l reviews on HB 2268</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt"> </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">I suggest the WLTA push for Collection Escrow providers exempted from the bill. craig Craig Trummel Regional Underwriter/Washington
State Counsel C: 206.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">580.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">8344
| ctrummel@</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">wfgtitle.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">com
| www.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">wfgtitle.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:white"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">com
Confidentiality Notice: The information</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864">I suggest the WLTA push for Collection Escrow providers exempted from the bill.
</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864">craig</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864"> </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Segoe UI",sans-serif;color:#1F3864">Craig Trummel</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif;color:#1F3864"><br>
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#1F3864">Regional Underwriter/Washington State Counsel</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#A39161">
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif;color:#1F497D"><br>
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#1F3864;background:white">C: 206.580.8344</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#1F497D;background:white">
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;font-family:"Helvetica",sans-serif;color:black"> |
</span></span><a href="mailto:ctrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#0563C1;background:white">ctrummel@wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#1F497D;background:white">
| </span></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttp-3A_www.wfgtitle.com_-5F-5F-3B-21-21DEULSLR5O6irNg-21Xr-5F0hQTA-5Fl0iHHwP-2DLB0uOf6pHq66dUl-5FDP-2DrI1cfnGq8OU4DdMvTLNGGpSyaXwMD37LyZOBVdQboJWyZLTMbADTDxsP-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=xErIx-Z8LFtycosts6gfdNADFFpCYXpNdibsBFFDz8U&e="><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#0563C1;background:white">www.wfgtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Segoe UI",sans-serif;color:#1F497D;background:white">
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F3864"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<b>On Behalf Of </b>Robin Aberasturi<br>
<b>Sent:</b> Tuesday, January 20, 2026 8:04 AM<br>
<b>To:</b> 'Jesse Hamilton' <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>;
</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><br>
<b>Subject:</b> Re: [Legislativecommittee1] request for add'l reviews on HB 2268</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt"> </span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white">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. Long Term</span></span></p>
</div>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Times New Roman",serif;color:white"> </span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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.</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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.</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Thank you!</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783">Robin Aberasturi</span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><br>
VP/Corporate Escrow Manager</span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783">Futura Title & Escrow, LLC</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif;color:#0B5783"><br>
<br>
</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Tahoma",sans-serif;color:#1F497D">Cell Phone 208-250-3816</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><i><span style="font-family:"Calibri",sans-serif;color:black"> </span></i></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Tahoma",sans-serif;color:#0B5783"> </span></b></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<b>On Behalf Of </b>Jesse Hamilton<br>
<b>Sent:</b> Wednesday, January 14, 2026 1:32 PM<br>
<b>To:</b> </span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><br>
<b>Subject:</b> Re: [Legislativecommittee1] request for add'l reviews on HB 2268</span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt"> </span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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</span></span></p>
</div>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:white"> </span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Dear WLTA Legislative committee,</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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:</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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. </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Jesse Hamilton</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">General Counsel/ S.V.P.</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Pioneer Title Company/Pioneer 1031 Company</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">1211 W. Myrtle Street, Suite 100 • Boise, ID 83702</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Phone: 208-373-3733</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:#467886">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Bob Rice <</span></span><a href="mailto:Bob.Rice@trguw.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Bob.Rice@trguw.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Wednesday, January 14, 2026 1:27 PM<br>
<b>To:</b> Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> RE: request for add'l reviews on HB 2268</span></span></p>
</div>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Times New Roman",serif">[<b><span style="color:red">CAUTION: External</span></b>]</span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">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.</span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Bob Rice</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Deputy Chief Underwriting Counsel</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Title Resources Group</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:Bob.Rice@trguw.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif;color:#0563C1">Bob.Rice@trguw.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">208.841.3082</span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Wednesday, January 14, 2026 11:27 AM<br>
<b>To:</b> Bob Rice <</span></span><a href="mailto:Bob.Rice@trguw.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Bob.Rice@trguw.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> RE: request for add'l reviews on HB 2268</span></span></p>
</div>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Bob,
</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Jesse Hamilton</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">General Counsel/ S.V.P.</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Pioneer Title Company/Pioneer 1031 Company</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">1211 W. Myrtle Street, Suite 100 • Boise, ID 83702</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt">Phone: 208-373-3733</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:#467886">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt"> </span></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Bob Rice <</span></span><a href="mailto:Bob.Rice@trguw.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Bob.Rice@trguw.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<br>
<b>Sent:</b> Tuesday, January 13, 2026 3:52 PM<br>
<b>To:</b> Jesse Hamilton <</span></span><a href="mailto:jesse@pioneer1031.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">jesse@pioneer1031.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> FW: request for add'l reviews on HB 2268</span></span></p>
</div>
</div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Times New Roman",serif">[<b><span style="color:red">CAUTION: External</span></b>]</span></span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Jesse-</span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">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.</span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Hope you are well.</span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<div>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Bob Rice</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Deputy Chief Underwriting Counsel</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">Title Resources Group</span></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:Bob.Rice@trguw.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif;color:#0563C1">Bob.Rice@trguw.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Calibri",sans-serif">208.841.3082</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">>
<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' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">><br>
<b>Subject:</b> [Legislativecommittee1] request for add'l reviews on HB 2268</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2268 - “Residential Mortgage Escrow Acounts, …”</span></span></p>
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<p class="xxxmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Assigned to Consumer Protection and Business Committee. Hearing not yet scheduled. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:14.0pt;font-family:"Lucida Handwriting";color:black">Maureen</span></span></p>
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<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span></span></p>
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<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span></span></p>
<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span></span></p>
<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:maureen@olypentitle.com" title="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttp-3A_www.olypentitle.com_-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlXEI2dAF-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=En03sHaUyh4plj6-0LJJ4yUc7yRD6O8DxIILfbEdHak&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Times New Roman",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
<p class="xxxelementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;font-family:"Times New Roman",serif;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><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></span></p>
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<p class="xxxelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=da-J7flv4hZ52HR86ASY-IzWi9zCcyZBsxNyo2W93qE&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></b></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=da-J7flv4hZ52HR86ASY-IzWi9zCcyZBsxNyo2W93qE&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
WIRE FRAUD PREVENTION</span></b></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in;background:white"><span style="mso-bookmark:_MailOriginalBody"><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></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
Sean Holland <</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">seanholland@att.net</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Sent:</b> Tuesday, January 13, 2026 10:13 AM<br>
<b>To:</b> Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Subject:</b> Re: [Legislativecommittee1] we're down to 6 bills that need reviewers</span>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2266 “Encouraging permanent supportive housing, transitional housing, etc.”</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Neutral. Affects local government permitting only. No direct effect on title industry, land title records system, or real property law. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Assigned to Housing Committee. Hearing not yet scheduled. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2268 - “Residential Mortgage Escrow Acounts, …”</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Assigned to Consumer Protection and Business Committee. Hearing not yet scheduled. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">Get
</span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_aka.ms_o0ukef-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNleU0bld-2D-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=QmXIuuFFUi6Z4hgzcKM0kZ1bbJZg4-Qbs7eR1Z9SzGE&e="><span style="mso-bookmark:_MailOriginalBody">Outlook
for iOS</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>
on behalf of Sean Holland <</span></span><a href="mailto:seanholland@att.net"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">seanholland@att.net</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Sent:</b> Tuesday, January 13, 2026 7:00:47 AM<br>
<b>To:</b> Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">>;
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:black">><br>
<b>Subject:</b> Re: [Legislativecommittee1] we're down to 6 bills that need reviewers</span>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody">I’ll do 2266 & 2268.
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<p class="xxxmsonormal" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:12.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody">Sean</span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_more.att.com_currently_imap-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlSULB88p-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=g7uoQYQfHzFg5NVXMhFxXxIpfymB5EJh4KE8vw7lSAw&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt">Sent
from AT&T Yahoo Mail for iPhone</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxxxyahoo-quoted-begin" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.5pt;color:#8473FF">On Tuesday, January 13, 2026, 6:58 AM, Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.5pt">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.5pt;color:#8473FF">>
wrote:</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2266</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Supportive & emerg. housing</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2268</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Mortgage escrow accounts</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2289</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Operating budget, supp.</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2294</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Use restrictions/food, med. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2304</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Condominium warranties</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2375</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Real estate disclosure form</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thank you Lindsy, Michelle, Chris, Craig and Megan for sending in your requests and reviews. </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Please reply to me
<i>and</i> the leg committee list with the bills you plan to review.</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Thanks everyone!</span></span></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:14.0pt;font-family:"Comic Sans MS";color:black">Maureen</span></span></p>
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<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222"> </span></span></p>
<div style="border:none;border-left:solid windowtext 1.0pt;padding:0in 0in 0in 4.0pt">
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:Roboto"> </span></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto;color:#222222">Ph: (360) 457-4451 | Fax: (844) 513-2400</span></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:maureen@olypentitle.com" target="_blank" title="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttp-3A_www.olypentitle.com_-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlXEI2dAF-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=En03sHaUyh4plj6-0LJJ4yUc7yRD6O8DxIILfbEdHak&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto">www.olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:Roboto;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"New serif",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
<p class="xxxxxyiv0931755117elementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in">
<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"New serif",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></p>
<p class="xxxxxyiv0931755117elementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;font-family:"New serif",serif;color:#222222"> </span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:10.0pt;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></p>
<p class="xxxxxyiv0931755117elementtoproof" style="mso-margin-top-alt:0in;margin-right:0in;margin-bottom:10.0pt;margin-left:0in;line-height:11.05pt">
<span style="mso-bookmark:_MailOriginalBody"><span style="font-size:10.0pt;font-family:"New serif",serif;color:#222222"> </span></span></p>
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<p class="xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><image003.jpg></b></span></p>
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<p class="xxxxxyiv0931755117elementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=da-J7flv4hZ52HR86ASY-IzWi9zCcyZBsxNyo2W93qE&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
HERE TO WATCH VIDEO </span></b></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:blue"><br>
</span></b></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21DEULSLR5O6irNg-21UD65hmIo-2DlTGa6MK2rou-2Dc3uRTlGwRHByIL4eOypSDPOU1CbIngCLZKp4Qw6TeD89lC8fqBIWWZnqR0bMbLNlU7UnYT6-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=da-J7flv4hZ52HR86ASY-IzWi9zCcyZBsxNyo2W93qE&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
WIRE FRAUD PREVENTION</span></b></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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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></p>
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<p class="xxxmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b>From:</b> Craig Trummel <</span><a href="mailto:CTrummel@wfgtitle.com"><span style="mso-bookmark:_MailOriginalBody">CTrummel@wfgtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">><br>
<b>Sent:</b> Tuesday, January 13, 2026 8:38 AM<br>
<b>To:</b> Doucette, Lindsy <</span><a href="mailto:Lindsy.Doucette@fnf.com"><span style="mso-bookmark:_MailOriginalBody">Lindsy.Doucette@fnf.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">>; Maureen
Pfaff <</span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody">maureen@olypentitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">>; '1 WLTA Legislative Committee'
<</span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody">legislativecommittee1@washingtonlandtitle.com</span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody">><br>
<b>Subject:</b> RE: 21 new bills that need review </span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864">I will take the last four</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1F3864">Craig Trummel</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864"><br>
Regional Underwriter/Washington State Counsel</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#B9A776">
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F3864"> </span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-family:"Arial",sans-serif;color:#1F3864"> </span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">>
<b>On Behalf Of </b>Doucette, Lindsy<br>
<b>Sent:</b> Monday, January 12, 2026 5:14 PM<br>
<b>To:</b> Maureen Pfaff <</span></span><a href="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">>;
'1 WLTA Legislative Committee' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">><br>
<b>Subject:</b> Re: [Legislativecommittee1] 21 new bills that need review</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:#1D2228">Doucette@</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:#1D2228">fnf.</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;font-family:"Arial",sans-serif;color:#1D2228"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:#1D2228">com</span></span></p>
</div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">Hi Maureen:</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#0F9ED5">Lindsy C. Doucette
</span></b></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">VP | State Counsel
</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Fidelity Family of Companies
</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Pronouns: She / Her / Hers</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Mobile: (206) 619-0451</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif">Email: </span></span><a href="mailto:Lindsy.Doucette@fnf.com" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#0563C1">Lindsy.Doucette@fnf.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.0pt;font-family:"Arial",sans-serif"> </span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"> </span></span></p>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">From:</span></b></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">
Legislativecommittee1 <</span></span><a href="mailto:legislativecommittee1-bounces@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">legislativecommittee1-bounces@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">>
<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' <</span></span><a href="mailto:legislativecommittee1@washingtonlandtitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">legislativecommittee1@washingtonlandtitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif">><br>
<b>Subject:</b> [Legislativecommittee1] 21 new bills that need review<br>
<b>Importance:</b> High</span></span></p>
</div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"> </span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
</div>
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:1.0pt;color:#1D2228"> </span></span></p>
</div>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Hi all,</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="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></p>
</div>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2193</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Mortgage lending fraud acc.</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">Monitor. Recommend WLTA Monitor with low priority. ALTA monitoring.</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2236</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Housing finance commission</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2265</span></span></p>
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</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:10.5pt;border-color:initial">
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Extreme heat/tenants</span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:10.5pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
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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">
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2266</span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Supportive & emerg. housing</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2268</span></span></p>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Mortgage escrow accounts</span></span></p>
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<span style="mso-bookmark:_MailOriginalBody"></span>
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Deals with lender/servicer management of escrow accounts for mortgages. Not a title issue.</span></span></p>
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</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2289</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Operating budget, supp.</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:10.5pt">
<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:10.5pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2294</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:10.5pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:10.5pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">Worth monitoring but no position needs to be taken.</span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2298</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Property title protection</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:11.25pt">
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2304</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Condominium warranties</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:11.25pt">
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2333</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Political violence</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:11.25pt">
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2354</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Common interest communities</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:11.25pt">
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2359</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Affordable housing funding</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:11.25pt">
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2375</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:11.25pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Real estate disclosure form</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:11.25pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">HB 2376</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Property tax</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Tax relief for retired persons. Not a title issue.</span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 5109</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">Monitor. Recommend WLTA Monitor with low priority. ALTA monitoring.</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 5929</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">36.22.185
and RCW</span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:black"> </span></span><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">36.22.250 to
carve out exception for these documents.</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">Support</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
<tr style="min-height:9.0pt">
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 5938</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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:9pt;border-color:initial">
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><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></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:9pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:11.0pt;color:black">Support, low priority.</span></span></p>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 5980</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Live presentations/sales tax</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 5998</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Operating budget, supp.</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 6027</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Affordable housing funding</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">SB 6054</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<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="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black">Wildfire home hardening/CICs</span></span></p>
</div>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
<td width="212" valign="top" style="width:159.0pt;padding:0in 0in 0in 0in;min-height:12.0pt">
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</td>
<span style="mso-bookmark:_MailOriginalBody"></span>
</tr>
</tbody>
</table>
<div>
<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="color:black"> </span></span></p>
</div>
<div id="x_x_x_x_x_yiv0931755117x_Signature">
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<p class="xxxxxyiv0931755117xmsonormal" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:14.0pt;color:black">Maureen</span></span></p>
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<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">Maureen Pfaff, President and CEO</span></span></p>
<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Times New Roman",serif;color:#222222">Ph: (360) 457-4451 | Fax: (844) 513-2400</span></span></p>
<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Arial",sans-serif;color:#222222">403 S Peabody St, Port Angeles, WA 98362</span></span></p>
<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="mailto:maureen@olypentitle.com" target="_blank" title="mailto:maureen@olypentitle.com"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Times New Roman",serif">maureen@olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttp-3A_www.olypentitle.com_-5F-5F-3B-21-21LyAuvDCm-2D53-2Dy27wV7iK5g-211l4xm-2DY9IqL8D-5FUUn38BNvawAS-2DKj1G-2DTKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr-5FoaeGqkwbUYMgJZiYLkc-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=vLq94MgLILWVdHvatYngrN5meAVWpBTIpZFj1iJgFJ8&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><span style="font-size:9.5pt;font-family:"Times New Roman",serif">www.olypentitle.com</span></span><span style="mso-bookmark:_MailOriginalBody"></span></a><span style="mso-bookmark:_MailOriginalBody"></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"New serif",serif;color:#990000">WARNING – FRAUDULENT FUNDING INSTRUCTIONS</span></b></span></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"New serif",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></p>
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<span style="mso-bookmark:_MailOriginalBody"><b><span style="font-size:10.0pt;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></p>
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<p class="xxxxxyiv0931755117xelementtoproof" style="margin:0in"><span style="mso-bookmark:_MailOriginalBody"></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21LyAuvDCm-2D53-2Dy27wV7iK5g-211l4xm-2DY9IqL8D-5FUUn38BNvawAS-2DKj1G-2DTKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr-5FoaeGqkwbUYMg7U07EJM-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=hww4CVMCZTdaeOAPxNjBRl5qxb0pvRrLVFSpI10aIzY&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">CLICK
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</span></b></span><a href="https://urldefense.proofpoint.com/v2/url?u=https-3A__urldefense.com_v3_-5F-5Fhttps-3A_www.youtube.com_watch-3Fv-3Dek4TwC9owwY-26feature-3Dyoutu.be-5F-5F-3B-21-21LyAuvDCm-2D53-2Dy27wV7iK5g-211l4xm-2DY9IqL8D-5FUUn38BNvawAS-2DKj1G-2DTKlux5suwXJL2pjBR14d0f4lMxxZDm2GhQr-5FoaeGqkwbUYMg7U07EJM-24&d=DwMGaQ&c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&r=6Harb0993mD9DIYY8E2PcCfCKVpL1qU7wZiubaBmI3Y&m=6R1KYY-NeACeXaXa0rq8bDN6X_TtDRcIxvJwcP5B4n4YsVJfWRQq72H6rtWHm_XQ&s=hww4CVMCZTdaeOAPxNjBRl5qxb0pvRrLVFSpI10aIzY&e=" target="_blank"><span style="mso-bookmark:_MailOriginalBody"><b><span style="font-family:"Arial",sans-serif;color:#1155CC">ON
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