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;</a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://ema=
il.thelender.com/c/eJxUkL1qwzAURp9G2hz0ZykaNISAi9uptBk6XknXsUH-Qb7F5O0LIUvX=
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cO8vcKvQRfDYi8SkoobRUSkpnWi1PHvQAmLw1YJMVyIygEQsuGesprTOfCOc-B_BSDEP2jUWlG5=
O8abw3qfHaxuhSyqAjL2Ek2namL0x1THXHcZz-vTHVzWulO9yx2aDSgpWpjtcAS654MCN2wlqm5=
Z6gPPH7-lsTPjVxhqnEAjtxwnkrQNjn8PmKcrNvH38BAAD__znJZPs" target=3D"_blank" r=
el=3D"noopener">Become<span style=3D"color:#e4002b;font-size:14px;">_</span=
>a<span style=3D"color:#e4002b;font-size:14px;">_</span>Partner </a></stron=
g><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.=
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LPHsL__hpPT5Y_x6rZ-PO8XzbWXMLKcIBdCjdahT6o8ZvfWgjO1d75GSIzlHo4zVxmgd3NHqA6C=
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bY9_3w502YYUOmNhFxE2aQW8S1bLQLpxrTVuf1O2N9gtvtZ8v0FKQF55oqNpZMy70i01ji-yvHx=
f97-w0AAP__oHZieg" target=3D"_blank" rel=3D"noopener">Rates</a></strong></s=
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ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
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0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
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=20
class=3D"fullWidth" style=3D"max-width:700px"><img src=3D"https://d15k2d11r=
6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-a8221=
3fec67e/thelender/xmas_2020.jpg" style=3D"display:block;height:auto;border:=
0;width:100%" width=3D"700" alt=3D"Image" title=3D"Image"></div></div></td>=
</tr></table></td></tr></tbody></table></td></tr></tbody></table><table cla=
ss=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=
=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td =
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;background-color:#fff;vertical=
-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0">
<table class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;=
mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"pa=
dding-bottom:10px;padding-left:20px;padding-right:20px;padding-top:15px"><d=
iv style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,H=
elvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39=
9999999999999px;color:#555;line-height:1.2"><p=20
style=3D"margin:0;text-align:center;mso-line-height-alt:14.399999999999999p=
x"><span style=3D"color:#e4002b;"><strong><span style=3D"font-size:34px;">H=
appy Holidays from all of us at theLender.</span></strong></span></p><p sty=
le=3D"margin:0;text-align:center;mso-line-height-alt:14.399999999999999px">=
&nbsp;</p><p style=3D"margin:0;text-align:center;mso-line-height-alt:40.8px=
"><span style=3D"font-size:20px;">Please note our Lock Desk schedule for Fr=
iday December 22<sup>nd</sup></span></p></div></div></td></tr>
</table><table class=3D"text_block block-2" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-l=
space:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" sty=
le=3D"padding-left:50px;padding-right:55px"><div style=3D"font-family:sans-=
serif"><div class style=3D"font-size:12px;font-family:Arial,Helvetica Neue,=
Helvetica,sans-serif;mso-line-height-alt:14.399999999999999px;color:#555;li=
ne-height:1.2"><ul=20
style=3D"line-height:1.2;mso-line-height-alt:14.399999999999999px;font-size=
:20px"><li><span style=3D"font-size:20px;">Due to early market closure the =
Lock Desk will stop accepting lock requests at <strong><span style=3D"color=
:#e4002b;">11:00 AM PST</span></strong> for both <strong><span style=3D"col=
or:#e4002b;">NON-QM</span></strong> and <strong><span style=3D"color:#e4002=
b;">QM loans</span></strong>.&nbsp; </span></li><li>
<span style=3D"font-size:20px;">Lock Desk will be open regular business hou=
rs for parameter changes and extensions.</span></li></ul></div></div></td><=
/tr></table><table class=3D"divider_block block-3" width=3D"100%" border=3D=
"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso=
-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div class=3D"ali=
gnment" align=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" width=3D"95%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_in=
ner" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><=
span>&#8202;</span></td></tr></table></div></td></tr></table><table class=
=3D"text_block block-4" width=3D"100%" border=3D"0" cellpadding=3D"10" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-fam=
ily:sans-serif"><div class=20
style=3D"font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-ser=
if;mso-line-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margi=
n:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px"><span styl=
e=3D"font-size:20px;">In observance of Christmas, theLender will be <strong=
><span style=3D"color:#e4002b;">closed</span></strong> on </span></p><p sty=
le=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px"=
>
<span style=3D"font-size:20px;"><span style=3D"color:#e4002b;font-size:26px=
;"><strong>Monday, December 25<sup>th</sup></strong></span>,&nbsp;</span></=
p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt=
:16.8px"><span style=3D"font-size:20px;">and will resume normal business ho=
urs on Tuesday, December 26<sup>th</sup>.</span></p></div></div></td></tr><=
/table><table class=3D"divider_block block-5" width=3D"100%" border=3D"0" c=
ellpadding=3D"10" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div =
class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"95%" style=3D"mso-table-ls=
pace:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" style=3D"font-si=
ze:1px;line-height:1px;border-top:2px solid #e4002b"><span>&#8202;</span></=
td></tr></table></div></td></tr></table></td></tr></tbody></table></td></tr=
></tbody></table><table class=3D"row row-5" align=3D"center" width=3D"100%"=
=20
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
e=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"=
row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td clas=
s=3D"column column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"text_block block-1" width=3D"1=
00%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr>=
<td class=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;padding-ri=
ght:10px;padding-top:10px"><div style=3D"font-family:sans-serif"><div=20
class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.=
2"><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-al=
t:16.8px"><span style=3D"font-size:18px;"><strong>Cameron Leclair</strong><=
/span></p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-he=
ight-alt:16.8px">
<strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color:#000080;fo=
nt-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></span></p></di=
v></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tab=
le><table class=3D"row row-6" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr>=
<td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-=
top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"text_bl=
ock block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"=
0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-li=
ne-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"=
margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkLtq7DAURb9G6jxIOnpYhYphwBffVCGZIqUex7FBfmCfYObvA8M0=
aXexF2uVYJyTTnMM0gmQrXDQclxookdfws3e__urkLeP_uu1fj42DLd1oZiJj0FbqQpknwwWEGC=
8Ua0ypnUp2VYkyaeghAKplJROG5AXH2GImL3V0WYrkGlBI1ZcCu6XvM58Ipz7EqKXYhiKbywqaH=
T2uvFe58aDTcnlXCIkXsNItB0Mrkx1THXneV7-vDHV8T3Epex4Mi0Owr1Oy3eO9ck61p8949MJ5=
zjVVONBnHDeaiTsS3h_Fbjbf2-_AQAA__8GrFzk" target=3D"_blank" rel=3D"noopener"=
>theLender.com</a> | <a style=3D"text-decoration: underline; color: #E4002B=
;" href=3D"http://email.thelender.com/c/eJxU0L9q8zAUBfCnkTYH_bMUDRpCwB_-OpU=
2Q8erq-vGINvBvsHk7QshFLr-hnM4p6Q2BB2cpKSDsvqogj1KmnnkR1_S2V_-x5PS54_-66Wfjx=
ul8zIzIMtrGgbrjKXcmiM637YE2qFTCjRkY1WRYzLKWG2M1sG1Vh8i2AEIo3fg0SsSTvGVKs2F1=
gMukxyZpr4kiFoNQ4mNJ2Mbh9E1MTpsovU5B8QCNsuarsy3TdiTMJ0w3b7vhz9pwnSQlzs3vypM=
J9cEc1lpF05tTGsd52-E-mzflvuK9FxJE4w1V9hYMk23Ckx9Se-vTy7-39tPAAAA__92fGQm" t=
arget=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text-deco=
ration: underline; color: #E4002B;" href=3D"http://email.thelender.com/c/eJ=
xUkL2K4zAURp9G6hz0F8kqVISAF-9Wy0yKKa-vricG-Qf5BpO3Hwhppv2K73BOTucQdHCSkg7K6=
lYF20paeOJnn9PV3_7Gi9LXj_7rvX4-N0rXdWFAlveUx-jABhu0yojR59aeVWsyGNTOmVZOyShj=
tTFaB3e2-hTBjkAYvQOPXpFwiu9UaMlUT7jOcmKa-5wgajWOOTaejG0cRtfE6LCJ1g9DQMxgB1n=
SnXnbhb0I0wnTHcdx-vUmTFeBaW-2uuYH8i5MJ2uCJVc6hFM7Uy3T8o1QXvB9fVSklyTNMJWhwM=
6Sad4KMPU5_X8nufk__34CAAD__97qY58" target=3D"_blank" rel=3D"noopener">Produ=
cts</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;" hre=
f=3D"http://email.thelender.com/c/eJxUkL1qwzAURp9G2hz0ZykaNISAi9uptBk6XknXs=
UH-Qb7F5O0LIUvXb_gO5-TQOied4RikE1qehdNnjgtN9OhzuNrbu78Ief3qf17r92PDcF0XgkR8=
DKj1gG2MPhnt1WCcO8vcKvQRfDYi8SkoobRUSkpnWi1PHvQAmLw1YJMVyIygEQsuGesprTOfCOc=
-B_BSDEP2jUWlG5O8abw3qfHaxuhSyqAjL2Ek2namL0x1THXHcZz-vTHVzWulO9yx2aDSgpWpjt=
cAS654MCN2wlqm5Z6gPPH7-lsTPjVxhqnEAjtxwnkrQNjn8PmKcrNvH38BAAD__znJZPs" targ=
et=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=3D"text=
-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.com=
/c/eJxUkL1qw0AQhJ_mrpO5P99PcYUxKCipQuIi5WpvFQtOspA2CL99wHGTdoqZ-b6SjyHo4CRl=
HZTVUQUbJc088r0r-ewvr-mk9Pmj-3qmn_eF8vk2MyDLa07lGHqrHA4xoFWFCpjogXz0pK2Lcsx=
GGauN0Tq4o9WHBHYAwuQdePSKhFN8pUpzofWAt0mOTFNXMiSthqGkxpOxjcPkmpQcNsn6vg-IBW=
wva74yL5uwJ2FaYdp93w__2oRp8e9sY4Rp5ZphLivtwqmNaa3j_I1QH7vb7WdFevDRBGPtK2wsm=
aalAlNX8vvTxsW_vP0GAAD__xuDYZY" target=3D"_blank" rel=3D"noopener">Contact<=
/a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-7" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-c=
ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;color:#333;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td=20
class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-top:0=
;border-right:0;border-bottom:0;border-left:0"><table class=3D"image_block =
block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=
 class=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"cente=
r" style=3D"line-height:10px"><div style=3D"max-width:65px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/ADMIN/editor_images/Equal_Housing_Opportuni=
ty.png" style=3D"display:block;height:auto;border:0;width:100%" width=3D"65=
" alt=3D"Image" title=3D"Image"></div></div></td></tr></table></td><td clas=
s=3D"column column-2" width=3D"75%" style=3D"mso-table-lspace:0;mso-table-r=
space:0;font-weight:400;text-align:left;vertical-align:top;border-top:0;bor=
der-right:0;border-bottom:0;border-left:0"><table=20
class=3D"html_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;text-align:center" align=3D"center"><div style=
=3D"font-size: 12px; line-height: 14px; font-family: Arial, 'Helvetica Neue=
', Helvetica, sans-serif; color: #555555; text-align: left;">
<p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><span style=3D"=
font-size: 12px;">Hometown Equity Mortgage, LLC d/b/a theLender, 25531 Comm=
ercentre #250 Lake Forest, CA 92630, (833) 381-8733, NMLS Number 133519, (w=
ww.nmlsconsumeraccess.org); Equal Housing Opportunity. For business and pro=
fessional use only. Not for consumer distribution. This document is limited=
 to current Hometown Equity Mortgage, LLC policy and practice and should no=
t be construed as legal advice, legal opinion, or any other advice on speci=
fic facts or circumstances. The recipient should contact its legal counsel =
for legal advice. All loans subject to final underwriting approval. This po=
licy and practice is subject to change.</span></p>
</div><br />

<div style=3D"font-size: 11px; line-height: 14px; font-family: Arial; color=
: #555555; text-align: left;"><p style=3D"font-size: 12px; line-height: 14p=
x; margin: 0;"><span style=3D"font-size: 12px;">We hope you found the conte=
nt of this message to be informative. If you'd rather not receive emails li=
ke this from us in the future, you can be removed from our list by clicking=
 <a href=3D"http://email.thelender.com/c/eJyMkr1yozoAhZ9GdM4ICYmooMi1g-PcmA=
zEXgKd_rDBErAgb0yefgfHO5tyGxVnPh3NN0cqImHoh4GnIz-E2L-HIb73dOtqN21UtKT7Z_YA_=
eXbprilu6nX0bJrHZfOO0aIYkkqWkkppK8xZjQglFYYSspDpJhXRwgi7CPk-2FAsH_HOK64lowG=
nEoKNQigO2qjW6WHO9lZr3bablTEmQ-rSrEF1QgvAsmCBWOBXDBMhQilVBwLz0RH5_oR4AeAYoD=
iv022G9yBH3T9Uw527gUolqbWrQMo7nrXnd0dH_sLwPFJTwCvUsTOah03aklikce9WPVHYbOpfF=
cPEmdG2ksvrGqK_ONcIOZe7SPZ7v6zpU3Jy64022brkvWWJEtIXndZ87I7fSb2uU5Q0pTrx8_iA=
BDB6nbQ2bJWAK_-xXPmZ_b7HgBRdw39rxAGKcnmcOr1jH5NBBDtrxRAVHHHAV4VOTlJ-wOnTwks=
359HnpO2QPH4YpNf4m2PU5SMZZ6MRW6m9CnryvxihM2MrEkjEPwjYG8PactrIwwfnTdEvFWD_gA=
BHJ0eTN0eJDfXUcfuPEh9_TzfLjhte8Od3qgovant6fr_3wEAAP__byjQlw" target=3D"_bla=
nk" style=3D"background-color: rgb(255, 255, 255);">here</a>. You're receiv=
ing this communication from us because you've given Hometown Equity Mortgag=
e, LLC d/b/a theLender your email in the past, and we're trying to stay in =
touch with you. If you prefer to contact us in writing, please mail any cor=
respondence to 25531 Commercentre #250 Lake Forest, CA 92630.</span></p></d=
iv></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></ta=
ble></td></tr></tbody></table><!-- End --></body></html><br /><img src=3D'h=
ttps://thelender.mortgageiqcrm.com/client/service.aspx?action=3Dopen&key=3D=
a910ffd9-6e23-4c94-994c-936bb7ccda3b' alt=3D'clear' />
