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Date: Mon, 8 Jan 2024 06:32:47 -0800 (PST)
From: snelson@thelender.com
To: andrew@sterlingcal.com
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Subject: 2024 Expanding Your Lending Portfolio with theLender's Non-QM
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Let's Make It a Great 2024!

Happy 2024 f rom Sam Nelson, Account Executive at the Lender . I'm reaching=
 out to introduce our innovative Non-QM product offerings because w e under=
stand that not every borrower fits the mold for traditional financing.

That's why we've developed specialized products like the 5-8 Unit Investmen=
t Property DSCR Mortgage and Bridge Loans without DSCR requirements, design=
ed to cater to borrowers with non-standard credit profiles or complex finan=
cial situations.

By partnering with theLender, you can:
Expand your lending capabilities by o ffer diverse solutions to a wider ran=
ge of clients, including those who might not qualify for conventional loans=
.

Increase your competitive edge by standing out in the market by providing a=
ccess to unique financing options.
Strengthen your portfolio by adding high-potential products that can drive =
growth and profitability.

To get approved for offer our products to your clients, I've included a lin=
k below to our Business Purpose Broker Agreement and Consumer Broker Agreem=
ent.This agreement will enable you to expand your lending capabilities and =
reach a broader customer base.

https://wholesale.thelender.com/wp-content/uploads/2023/10/The-Complete-Bus=
iness-Purpose-Broker-Package.pdf Business Purpose Broker Package

https://wholesale.thelender.com/wp-content/uploads/2023/03/Consumer-Broker-=
package.pdf Consumer / Business Purpose Package

Once the package is completed, please email to snelson@thelender.com and ou=
r Broker Approval team will start the approval process and I am confident t=
hat our Non-QM products will be a valuable asset toyour company's portfolio=
 of programs.

If you have any questions or you'd like todiscuss our products further in d=
epth, p lease feel freeto send me an email or give me a call at (949) 981-6=
942

Thank you for your time and consideration.

Sincerely,
Sam Nelson

Hometown Equity Mortgage, LLC (NMLS #133519)
dba theLender. All Rights Reserved.
NMLS #133519. CL =E2=80=93 133519

For licensing information, go to: http://www.nmlsconsumeraccess.org/ http:/=
/www.nmlsconsumeraccess.org/
https://wholesale.thelender.com/licensing/ Licensing [ https://wholesale.th=
elender.com/licensing/ ]| https://wholesale.thelender.com/site-map/ Site Ma=
p [ https://wholesale.thelender.com/site-map/ ]| https://wholesale.thelende=
r.com/privacy/ Privacy [ https://wholesale.thelender.com/privacy/ ]
https://wholesale.thelender.com/feedback/ Anonymous Feedback to theLender [=
 https://wholesale.thelender.com/feedback/ ]

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ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p style=3D"font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text=
-align: left; color: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size=
: 12pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#=
000000;font-size: 12pt;"><span>

</span></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left; color=
: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt;"><span>

</span></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000=
000;padding:0px;margin: 0;line-height: 19pt; text-align: left; font-family:=
 Arial, Helvetica; font-size: 12pt;"><span style=3D"color: rgb(0, 0, 0); fo=
nt-size: 12pt; background-color: transparent;">Let's Make It a Great&nbsp;<=
/span><font color=3D"#fe0713" style=3D"font-size: 12pt; background-color: t=
ransparent;"><b style>2024!</b></font><br></p><p style=3D"font-family:Arial=
,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 1=
9pt; text-align: left;"><font face=3D"Arial, Helvetica" style=3D"font-size:=
 13pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-siz=
e: 12pt;color:#000000;"><font><br></font></font></font></p><p style=3D"font=
-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;l=
ine-height: 19pt; text-align: left;"><font face=3D"Arial, Helvetica" style=
=3D"font-size: 13pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"font-size: 12pt;color:#000000;"><font></font></font></font></p><p sty=
le=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;line-height: 19pt; text-align: left;"><font face=3D"Arial, Helveti=
ca" style=3D"font-size: 13pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"font-size: 12pt;color:#000000;"><font></font></font></font><=
/p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 19pt; text-align: left;"><font face=3D"Arial=
, Helvetica" style=3D"font-size: 13pt;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"font-size: 12pt;color:#000000;"><font>Happy&nbsp;<b=
>2024 </b>f</font></font></font><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"font-family: Arial, Helvetica; font-size: 12pt; background-=
color: transparent;">rom Sam Nelson, Account Executive at <b>the</b></font>=
<font color=3D"#fe0713" face=3D"Arial, Helvetica" style=3D"font-family: Ari=
al, Helvetica; font-size: 12pt; background-color: transparent;"><b>Lender</=
b></font><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-fa=
mily: Arial, Helvetica; font-size: 12pt; background-color: transparent;">. =
</font><span style=3D"font-family: Arial, Helvetica; font-size: 12pt; backg=
round-color: transparent;">I'm reaching out to introduce our innovative Non=
-QM product offerings because w</span><span style=3D"font-family: Arial, He=
lvetica; font-size: 12pt; background-color: transparent;">e understand that=
 not every borrower fits the mold for traditional financing.</span></p><p s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 19pt; text-align: left; color: rgb(0, 0, 0); font-f=
amily: Arial, Helvetica; font-size: 12pt;"><span style=3D"font-size: 12pt; =
background-color: transparent;"><br></span></p><p style=3D"font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: =
19pt; text-align: left; color: rgb(0, 0, 0); font-family: Arial, Helvetica;=
 font-size: 12pt;"><span style=3D"background-color: transparent; font-size:=
 12pt;">That's why we've developed specialized products like the 5-8 Unit I=
nvestment Property DSCR Mortgage and Bridge Loans without DSCR requirements=
, designed to cater to borrowers with non-standard credit profiles or compl=
ex financial situations. </span><br></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; t=
ext-align: left; color: rgb(0, 0, 0); font-family: Arial, Helvetica; font-s=
ize: 12pt;"><span style=3D"font-size: 12pt; background-color: transparent;"=
><br></span></p><p align=3D"left" style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; color: rgb=
(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-align: left=
;"><span style=3D"font-size: 12pt; background-color: transparent;">By partn=
ering with theLender, you can:</span></p><p style=3D"font-family:Arial,verd=
ana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; =
text-align: left; color: rgb(0, 0, 0); font-family: Arial, Helvetica; font-=
size: 12pt;"><span style=3D"font-size: 12pt; background-color: transparent;=
"><br></span></p><span style=3D"font-family: Arial, Helvetica; font-size: 1=
2pt; background-color: transparent; color: rgb(0, 0, 0);"><b>Expand your le=
nding capabilities</b> by o</span><span style=3D"background-color: transpar=
ent; font-family: Arial, Helvetica; font-size: 12pt;">ffer diverse solution=
s to a wider range of clients,</span><span style=3D"background-color: trans=
parent; font-family: Arial, Helvetica; font-size: 12pt;"> including those w=
ho might not qualify for conventional loans.</span><div><div><font face=3D"=
Arial, Helvetica"><span style=3D"font-size: 16px;"><br></span></font><span =
style=3D"font-family: Arial, Helvetica; font-size: 12pt; background-color: =
transparent; color: rgb(0, 0, 0);"><b>Increase your competitive edge</b> by=
 standing</span><span style=3D"background-color: transparent; font-family: =
Arial, Helvetica; font-size: 12pt;"> out in the market by providing access =
to unique financing options.</span></div><div><span style=3D"font-family: A=
rial, Helvetica; font-size: 12pt; background-color: transparent; color: rgb=
(0, 0, 0);"><br></span><span style=3D"font-family: Arial, Helvetica; font-s=
ize: 12pt; background-color: transparent; color: rgb(0, 0, 0);"><b>Strength=
en your portfolio </b>by adding</span><span style=3D"background-color: tran=
sparent; font-family: Arial, Helvetica; font-size: 12pt;"> high-potential p=
roducts that can drive growth and profitability.</span></div><div><font fac=
e=3D"Arial, Helvetica"><span style=3D"font-size: 16px;"><br></span></font><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 19pt; text-align: left; color: rgb(0, 0, 0); fon=
t-family: Arial, Helvetica; font-size: 12pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"></font></p><=
p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 19pt; text-align: left; color: rgb(0, 0, 0); fon=
t-family: Arial, Helvetica; font-size: 12pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><span>

</span></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left; color=
: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt;"><font colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000=
000;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size:=
 12pt;color:#000000;">To get approved for offer our products to your client=
s, I've included a link below to our Business Purpose Broker Agreement and =
Consumer Broker Agreement.This agreement will enable you to  expand your le=
nding capabilities and reach a broader customer base.</font></font></p><p s=
tyle=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, sans-serif; co=
lor:#000000;line-height:1.7;font-family:Arial,verdana;font-size:12px;paddin=
g:0px;"></p><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0); font-size: 12pt; font-family: Arial, Helvetica;">

</font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, san=
s-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:=
12px;padding:0px;"></p></div></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1703089702235" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
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        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:none none none;border-bottom:none none none;padding-top:7px;paddin=
g-bottom:7px;padding-right:10px;padding-left:9px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1703089702235=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
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table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:23px;text-align:center;cursor:pointer;">
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                     =09=09   Business Purpose Broker Package
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=09</div>
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se;" valign=3D"top">

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















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t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
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        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:none none none;border-bottom:none none none;padding-top:7px;paddin=
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:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
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                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
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t-align:center;border-radius:24px;text-align:center;cursor:pointer;">
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                        <a align=3D"center" href=3D"https://mofway-zgph.mai=
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                     =09=09   Consumer / Business Purpose Package
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                </tbody></table>
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=09</div>
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</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1703089753737" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1703089753737" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p style=3D"font-family:Arial,verdana;=
font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text=
-align: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor:#000000;font-size: 12pt;"><span>

</span></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><fon=
t color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-s=
ize: 12pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font=
-size: 12pt;color:#000000;"><font><font>Once the package is completed, plea=
se email to snelson@thelender.com and our Broker Approval team will start t=
he approval process and </font></font>I am confident that our Non-QM produc=
ts will be a valuable asset to&nbsp;your company's portfolio of programs.</=
font></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; font-=
family: Arial, Helvetica; background-color: transparent;"><br></font></p><p=
 style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0=
px;margin: 0;line-height: 19pt; text-align: left;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"font-size: 12pt; font-family: Arial, Hel=
vetica; background-color: transparent;">If you have any questions or you'd =
like to&nbsp;discuss our products further in depth, p</font><span style=3D"=
font-size: 12pt; font-family: Arial, Helvetica; background-color: transpare=
nt;">lease feel free&nbsp;to send me an email or</span><span style=3D"font-=
size: 12pt; font-family: Arial, Helvetica; background-color: transparent;">=
&nbsp;give me a call at (949) 981-6942</span><br></p><p style=3D"font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-he=
ight: 19pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color:#000000;font-size: 12pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><span style=
=3D"font-size: 12pt; font-family: Arial, Helvetica; background-color: trans=
parent;"><br></span></font></font></p><p style=3D"margin: 0;padding: 0px;fo=
nt-family:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-=
family:Arial,verdana;font-size:12px;padding:0px;"></p><p style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"color:#000000;font-size: 12pt;"><font color=3D"#000000" fac=
e=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;">Thank you f=
or your time and consideration.<br></font></font></p><p style=3D"font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-he=
ight: 19pt; text-align: left;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color:#000000;font-size: 12pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><br></font><=
/font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#0000=
00;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: =
12pt;color:#000000;"><font><font>Sincerely,</font></font></font></font></p>=
<p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 19pt; text-align: left;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12pt;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:=
#000000;"><font><font>Sam Nelson</font></font></font></font></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12=
pt;">

</font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, san=
s-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:=
12px;padding:0px;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1703090348351" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_170=
3090348351" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000007173350_zc_v1_1703091511428_alisa_anton_ujkxjflenxg_unsplash=
_(1).jpg" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"=
https://stratus.campaign-image.com/images/1166828000007173350_zc_v1_1704680=
336816_hiveboxx_fwdwo5yeo5s_unsplash.jpg" style=3D"width:570px;height:autop=
x;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" widt=
h=3D"570">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1703096717845" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_170=
3096717845" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
25px;padding-left:25px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000007173350_zc_v1_1703096834188_thelender_red_background.jpg" cl=
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tus.campaign-image.com/images/1166828000007173350_zc_v1_1703096834188_thele=
nder_red_background.jpg" style=3D"width:550px;height:autopx;max-width:550px=
 !important;border:0px;text-align:left;" vspace=3D"0" width=3D"550">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1703089545154" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1703089545154" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#ffffff;">
=09    =09<table bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:20px;padding-bottom:20px;=
padding-right:15px;padding-left:15px;">
             =09    =09=09<div componentbgcolor=3D"#ffffff" componentpaddin=
gbottom=3D"20px" componentpaddingleft=3D"15px" componentpaddingright=3D"15p=
x" componentpaddingtop=3D"20px" style=3D"background-color: rgb(255, 255, 25=
5);"><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;=
"><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: rgb(51,=
 51, 51); font-size: 10pt;"></font></p><span>

<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0)=
;"><font style><font style><font style><font style><font style><font style>=
<font style=3D"font-size: 9pt;">Hometown Equity Mortgage, LLC (NMLS #133519=
)</font></font></font></font></font></font></font></font></p><p align=3D"ce=
nter" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font=
><font><font><font><font><font><font style=3D"font-size: 9pt;">dba theLende=
r. All Rights Reserved.</font></font></font></font></font></font></font></f=
ont></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;font-=
size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-alig=
n: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font><font><font><font><font style=3D"font-size: 9pt;">N=
MLS #133519. CL &ndash; 133519</font></font></font></font></font></font></p=
><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
);"><font><font><font><font><font style=3D"font-size: 10pt;"><br></font></f=
ont></font></font></font></font></p><p align=3D"center" style=3D"font-famil=
y:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-he=
ight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Hel=
vetica" style=3D"color: rgb(0, 0, 0);"><font><font><font><font><font style>=
<font style=3D"font-size: 9pt;">For licensing information, go to:&nbsp;<a h=
ref=3D"http://www.nmlsconsumeraccess.org/" rel=3D"noopener noreferrer" styl=
e=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" z=
curl_name=3D"l_3">www.nmlsconsumeraccess.org</a></font></font></font></font=
></font></font></font></p><p align=3D"center" style=3D"font-family:Arial,ve=
rdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt=
; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" st=
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net/click/1103167e246689238/1103167e24668352a" rel=3D"noopener noreferrer" =
style=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blan=
k" zcurl_name=3D"l_4">Licensing</a>&nbsp;|&nbsp;</font><a href=3D"https://m=
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nk" zcurl_name=3D"l_7">Anonymous Feedback to theLender</a></font></font></f=
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=09=09=09=09=09</tr>=20
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=09=09=09=09</td>=20
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