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Date: Thu, 22 Feb 2024 06:34:20 -0800 (PST)
From: sam@mortgagelendersnearyou.com
To: andrew@sterlingcal.com
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Subject: Asset Qualifier Program, 2 Options Available | 600 FICO and Up
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https://wholesale.thelender.com/qm-products/ Products Click Here

Asset Qualifier

### For those sitting on stacks of cash looking to put their savings to wor=
k

*
Option 1 =E2=80=93 60 months

Minimum Eligible Assets required, lessor of $1,000,000 or 150% of loan amou=
nt.

Qualifying income based on Total Assets Eligible for Depletion, less down p=
ayment, less out of pocket closing costs, less required reserves, divided b=
y 60, Maximum DTI 43%.

Option 2 =E2=80=93 84 months

No Minimum Eligible Assets amount is required.

Qualifying income based upon Total Assets Eligible for Depletion, less down=
 payment, l ess out of pocket closing costs, less the required reserves, di=
vided by 84.

Maximum DTI 43% Minimum Eligible Assets required for mortgage is the lower =
of $1,000,000 or 150% of the loan balance.

Rental Income, Rental properties are calculated based on 75% of lease less =
PITIA to determine impact on debt service .

mailto:snelson@thelender.com?subject=3DLoan%20Scenarios%20 Loan Scenarios C=
lick Here

Sam Nelson - Account Executive
the Lender
Call or Text (949) 981-6942
Email: snelson@thelender.com

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/
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elender.com/licensing/ ]| https://wholesale.thelender.com/site-map/ Site Ma=
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https://wholesale.thelender.com/feedback/ Anonymous Feedback to theLender [=
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table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
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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:115px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"https://mo=
fway-zgph.maillist-manage.net/click/1103167e246cd88b7/1103167e246cd15c9" st=
yle=3D"border-radius:115px;height:40px;v-text-anchor:middle;width:230px;" a=
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                        <a align=3D"center" href=3D"https://mofway-zgph.mai=
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g:0px 0px;background-color:#fe0713;width:230px;height:40px;font-size:11pt;d=
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:none;border-radius:115px;border:0px solid #ffffff;border-collapse:separate=
;display:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_nam=
e=3D"l_1">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Products Click Here
=09=09=09=09=09=09=09</font>
                        </a>
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=09</div>
=09</td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958019484" 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_1698958019484" 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 align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font face=3D"Arial, Helvetica" style><b =
style><font style=3D"font-size: 25pt;">

</font></b><b style><font style=3D"font-size: 25pt;">



</font></b></font></p><h2 style=3D"font-family:Arial,verdana,Helvetica, san=
s-serif;font-size: 26px;color:#000000; font-weight:normal; color:#000000;pa=
dding: 0px;margin: 0;text-align: center;"><font face=3D"Arial, Helvetica" s=
tyle><b style><b style><font style=3D"font-size: 25pt;">Asset <font color=
=3D"#fe0713" style>Qualifier</font></font></b></b></font></h2><font face=3D=
"Arial, Helvetica" style><b style>

<font color=3D"#fe0713" style=3D"font-size: 32pt;"></font></b></font><p ali=
gn=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:=
12px; color:#000000;padding:0px;margin: 0;text-align: center;"></p><p align=
=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font face=
=3D"Arial, Helvetica" style><font color=3D"#fe0713" style><b style><font st=
yle=3D"font-size: 14pt;">

</font></b></font></font></p><h3 style=3D"font-family:Arial,verdana,Helveti=
ca, sans-serif;font-size: 24px;color:#000000; font-weight:normal; color:#00=
0000;padding: 0px;margin: 0;text-align: center;"><font face=3D"Arial, Helve=
tica" style><font style=3D"font-size: 13pt;">For those sitting on stacks of=
 cash looking to put their savings to work</font></font></h3><font face=3D"=
Arial, Helvetica" style><font color=3D"#fe0713" style><b style>



</b></font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Hel=
vetica, sans-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_1708574303789" 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 <div class=3D"zpelement-wrapper divider" id=3D"elm_1708574303789"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:15px 7px 8px 7px;border-collapse:colla=
pse;">
=09=09=09=09=09<div class=3D"divider" style=3D"margin:0px;padding:0px;text-=
align:center;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"dvdrtbl" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;border:0px;font-size: 0px;width:70%;margin:auto;border-collapse: i=
nitial;" width=3D"70%"> <tbody><tr><td align=3D"center" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt;font-family:Arial, Helve=
tica, sans-serif; mso-table-rspace:0pt;border:0px;border-top:5px dotted red=
;border-bottom:none;border-left:none;border-right:none;font-size:0px;margin=
:0px;padding:0px;width:100%;" width=3D"100%">       </td> </tr></tbody></ta=
ble></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1699066621048" 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_1699066621048" 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:17pt;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 componentlineheight=3D"17pt" style=3D"line-h=
eight: 17pt;"><p align=3D"center" style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; color: rgb=
(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-align: cent=
er;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); font-size: 12pt; line-height: 17pt;"><span style=3D"line-height: =
17pt;">

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; color:=
 rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-align: =
center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0); font-size: 12pt; line-height: 17pt;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; color: rgb(0, 0, 0); =
font-family: Arial, Helvetica; font-size: 12pt; text-align: center;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); l=
ine-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style=3D"font-size: 12pt; line-height: =
17pt;"><b></b></font></font></font></font></font></p><span style=3D"line-he=
ight: 17pt; color: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: =
12pt;">

<div align=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Arial, Hel=
vetica; font-size: 12pt; text-align: center;"><span style=3D"background-col=
or: transparent; font-family: Arial, Helvetica; font-size: 12pt; text-align=
: center;"></span></div><span style=3D"line-height: 17pt; color: rgb(0, 0, =
0); font-family: Arial, Helvetica; font-size: 12pt;">

<span style=3D"font-family: Arial, Helvetica; font-size: 12pt; background-c=
olor: transparent; color: rgb(0, 0, 0);"><div align=3D"center" style=3D"tex=
t-align: center;"><span style=3D"background-color: transparent; font-size: =
12pt;"></span></div></span></span></span><div align=3D"center" style=3D"col=
or: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-alig=
n: center;"><span style=3D"line-height: 17pt;"><span style=3D"line-height: =
17pt;"><li style=3D"font-family: Arial, Helvetica; font-size: 12pt; backgro=
und-color: transparent; display: inline !important; color: rgb(0, 0, 0);"><=
div align=3D"center" style=3D"text-align: center;"><span style=3D"line-heig=
ht: 17pt;"><span style=3D"line-height: 17pt;"></span></span></div><ul><li s=
tyle=3D"font-family: Arial, Helvetica; font-size: 12pt; background-color: t=
ransparent; display: inline !important; color: rgb(0, 0, 0);"><span style=
=3D"font-size: 12pt; background-color: transparent;"></span></ul></span></s=
pan></div><strong style=3D"font-family: Arial, Helvetica; font-size: 12pt; =
background-color: transparent; text-align: center; color: rgb(0, 0, 0);"><d=
iv align=3D"center" style=3D"text-align: center;"><strong style=3D"backgrou=
nd-color: transparent; font-size: 12pt;">Option 1</strong><span style=3D"ba=
ckground-color: transparent; font-weight: normal; font-size: 12pt; line-hei=
ght: 17pt;"> </span><span style=3D"background-color: transparent; font-weig=
ht: normal; font-size: 12pt;">&ndash; 60 months</span></div></strong><div a=
lign=3D"center" style=3D"text-align: center;"><div align=3D"center" style=
=3D"text-align: center;"><span style=3D"font-size: 11pt; background-color: =
transparent; font-family: Arial, Helvetica;"><br></span></div><div align=3D=
"center" style=3D"text-align: center;"><b><span style=3D"font-size: 11pt; b=
ackground-color: transparent; font-family: Arial, Helvetica;">Minimum Eligi=
ble Assets required, lessor of </span><span style=3D"font-size: 11pt; backg=
round-color: transparent; font-family: Arial, Helvetica;">$1,000,000 </span=
><span style=3D"font-size: 11pt; background-color: transparent; font-family=
: Arial, Helvetica;">or 150% of  loan amount.</span></b></div><div align=3D=
"center" style=3D"text-align: center;"><span style=3D"font-size: 11pt; back=
ground-color: transparent; font-family: Arial, Helvetica;"><br></span></div=
><div align=3D"center" style=3D"text-align: center;"><span style=3D"font-si=
ze: 11pt; background-color: transparent; font-family: Arial, Helvetica;">Qu=
alifying income based on Total Assets Eligible for Depletion, </span><span =
style=3D"font-size: 11pt; background-color: transparent; font-family: Arial=
, Helvetica;">less down payment, less out of pocket closing costs, </span><=
span style=3D"font-size: 11pt; background-color: transparent; font-family: =
Arial, Helvetica;"> less required reserves, divided by 60, </span><span sty=
le=3D"font-size: 11pt; background-color: transparent; font-family: Arial, H=
elvetica;">Maximum DTI 43%.</span></div><span style=3D"background-color: tr=
ansparent; font-family: Arial, Helvetica; color: rgb(0, 0, 0);"><div align=
=3D"center" style=3D"font-size: 12pt; text-align: center;"><span style=3D"b=
ackground-color: transparent; font-size: 12pt;"><br></span></div></span><di=
v align=3D"center" style=3D"background-color: transparent; font-family: Ari=
al, Helvetica; font-size: 12pt; color: rgb(0, 0, 0); text-align: center;"><=
font face=3D"Arial, Helvetica"></font><div align=3D"center" style=3D"font-s=
ize: 12pt; background-color: transparent; text-align: center;"></div></div>=
</div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1708574186710" 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 <div class=3D"zpelement-wrapper divider" id=3D"elm_1708574186710"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:5px 7px 18px 7px;border-collapse:colla=
pse;">
=09=09=09=09=09<div class=3D"divider" style=3D"margin:0px;padding:0px;text-=
align:center;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"dvdrtbl" style=3D"border-collapse:collapse;border-col=
lapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;b=
order: 0px; font-size: 0px; width: 65%; margin: auto; border-collapse: init=
ial;" width=3D"65%"> <tbody><tr><td align=3D"center" height=3D"0" style=3D"=
border-collapse:collapse; mso-table-lspace:0pt;font-family:Arial, Helvetica=
, sans-serif; mso-table-rspace:0pt;border:0px;border-top:2px solid red;bord=
er-bottom:none;border-left:none;border-right:none;font-size:0px;margin:0px;=
padding:0px;width:100%;" width=3D"100%">       </td> </tr></tbody></table><=
/div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1700446093095" 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_1700446093095" 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:17pt;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 componentlineheight=3D"17pt" style=3D"line-h=
eight: 17pt;"><p align=3D"center" style=3D"font-family:Arial,verdana;font-s=
ize:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; color: rgb=
(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-align: cent=
er;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); font-size: 12pt; line-height: 17pt;"><span style=3D"line-height: =
17pt;">

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 17pt; color:=
 rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: 12pt; text-align: =
center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: =
rgb(0, 0, 0); font-size: 12pt; line-height: 17pt;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); li=
ne-height: 17pt;"><font style=3D"line-height: 17pt;"></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 17pt; color: rgb(0, 0, 0); =
font-family: Arial, Helvetica; font-size: 12pt; text-align: center;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); l=
ine-height: 17pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); line-height: 17pt;"><font style=3D"line-height: 17=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); line-height: 17pt;"><font style=3D"font-size: 12pt; line-height: =
17pt;"><b></b></font></font></font></font></font></p><span style=3D"line-he=
ight: 17pt; color: rgb(0, 0, 0); font-family: Arial, Helvetica; font-size: =
12pt;">

</span><div align=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Ari=
al, Helvetica; text-align: center;"><font style=3D"font-size: 12pt;"><stron=
g style=3D"background-color: transparent;">Option 2</strong><span style=3D"=
background-color: transparent; line-height: 17pt;"> </span><span style=3D"b=
ackground-color: transparent;">&ndash; 84 months</span></font></div><div al=
ign=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Arial, Helvetica;=
 text-align: center;"><span style=3D"background-color: transparent; font-si=
ze: 11pt;"><b><br></b></span></div><div align=3D"center" style=3D"color: rg=
b(0, 0, 0); font-family: Arial, Helvetica; text-align: center;"><span style=
=3D"background-color: transparent; font-size: 11pt;"><b>No Minimum Eligible=
 Assets amount is required.</b></span></div><div align=3D"center" style=3D"=
color: rgb(0, 0, 0); font-family: Arial, Helvetica; text-align: center;"><s=
pan style=3D"background-color: transparent; font-size: 11pt;"><br></span></=
div><div align=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Arial,=
 Helvetica; text-align: center;"><span style=3D"background-color: transpare=
nt; font-size: 11pt;">Qualifying income based upon Total Assets Eligible fo=
r Depletion, less down payment, l</span><span style=3D"background-color: tr=
ansparent; font-size: 11pt;">ess out of pocket closing costs, less the requ=
ired reserves, divided by 84.</span></div><div align=3D"center" style=3D"co=
lor: rgb(0, 0, 0); font-family: Arial, Helvetica; text-align: center;"><spa=
n style=3D"background-color: transparent;"><font style=3D"font-size: 11pt;"=
><br></font></span></div><div align=3D"center" style=3D"color: rgb(0, 0, 0)=
; font-family: Arial, Helvetica; text-align: center;"><font style=3D"font-s=
ize: 11pt;"><span style=3D"background-color: transparent;">Maximum DTI 43%<=
/span><span style=3D"background-color: transparent;">Minimum Eligible Asset=
s required for mortgage is the lower of &nbsp;</span></font><span style=3D"=
font-size: 11pt; background-color: transparent;">$1,000,000 or 150% of the =
loan balance.&nbsp;</span></div><div align=3D"center" style=3D"color: rgb(0=
, 0, 0); font-family: Arial, Helvetica; text-align: center;"><span style=3D=
"font-size: 11pt; background-color: transparent;"><br></span></div><div ali=
gn=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Arial, Helvetica; =
text-align: center;"><span style=3D"font-size: 11pt; background-color: tran=
sparent;">Rental Income,&nbsp;</span><span style=3D"font-size: 11pt; backgr=
ound-color: transparent;">Rental properties are calculated based on&nbsp;</=
span><font style=3D"background-color: transparent; font-size: 11pt;">75% of=
 lease less PITIA to determine impact on debt service</font><span style=3D"=
background-color: transparent; font-size: 12pt;">.</span></div><div align=
=3D"center" style=3D"color: rgb(0, 0, 0); font-family: Arial, Helvetica; te=
xt-align: center;"><p align=3D"center" style=3D"line-height:1.7;font-family=
:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; line-h=
eight: 17pt; text-align: center;"></p><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); line-height: 17=
pt; font-family: Arial, Helvetica;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na; color:#000000;padding:0px;margin: 0;font-size: 12pt; line-height: 17pt;=
 text-align: center;"></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1708574404956" 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 <div class=3D"zpelement-wrapper divider" id=3D"elm_1708574404956"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:18px 7px 18px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" style=3D"margin:0px;padding:0px;text-=
align:center;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"dvdrtbl" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;border:0px;font-size: 0px;width:70%;margin:auto;border-collapse: i=
nitial;" width=3D"70%"> <tbody><tr><td align=3D"center" height=3D"0" style=
=3D"border-collapse:collapse; mso-table-lspace:0pt;font-family:Arial, Helve=
tica, sans-serif; mso-table-rspace:0pt;border:0px;border-top:5px dotted red=
;border-bottom:none;border-left:none;border-right:none;font-size:0px;margin=
:0px;padding:0px;width:100%;" width=3D"100%">       </td> </tr></tbody></ta=
ble></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958068653" 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=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
ce:0pt;border:none;" width=3D"100%">
        <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:13px;padding-right:0px;padding-left:0px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1698958068653=
" 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"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
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:115px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:sne=
lson@thelender.com?subject=3DLoan%20Scenarios%20" style=3D"border-radius:11=
5px;height:40px;v-text-anchor:middle;width:230px;" arcsize=3D"115%" strokec=
olor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"#fe0713">
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=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Loan Scenarios Click Here</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:snelson@thelende=
r.com?subject=3DLoan%20Scenarios%20" style=3D"padding:0px 0px;background-co=
lor:#fe0713;width:230px;height:40px;font-size:11pt;direction:ltr;font-famil=
y:Arial;color:#ffffff;cursor:pointer;text-decoration:none;border-radius:115=
px;border:0px solid #ffffff;border-collapse:separate;display:table;mso-hide=
:all;text-align:center;">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Loan Scenarios Click Here
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
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=09</div>
=09</td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958395448" 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_1698958395448" 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 align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span>

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><b style=3D"font-size: 11pt; font-family: Arial, Helvetica; =
background-color: transparent;">Sam Nelson - Account Executive</b><br></p><=
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;"><fon=
t face=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style><fo=
nt style><font style><font style=3D"font-size: 11pt;"><b style><font style>=
<font color=3D"#fe0713">the</font>Lender</font></b></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 color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0);"><font><font><font style=3D"font-size: 11pt;">Call=
 or Text (949) 981-6942</font></font></font></font></font></p><p align=3D"c=
enter" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 19pt; text-align: center;"><font face=3D"Ar=
ial, Helvetica"><span style=3D"font-size: 14.6667px;">Email: snelson@thelen=
der.com</span></font></p><font color=3D"#000000" face=3D"Arial, Helvetica" =
style=3D"color:#000000;font-size: 12pt;">

</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>
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       =09  </div>
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ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
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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=
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            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
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0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
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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:0px;padding-right:=
5px;padding-left:5px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000013784413_zc_v1_1698958354883_jason_briscoe_gliahaj3_5a_unspla=
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tps://stratus.campaign-image.com/images/1166828000013784413_zc_v1_170044383=
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;max-width:590px !important;border:0px;text-align:left;" vspace=3D"0" width=
=3D"590">
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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=
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            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
8958426492" 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:0px;padding-bottom:0px;padding-right:=
4px;padding-left:4px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000013784413_zc_v1_1698958443150_thelender_red_background.jpg" cl=
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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_1698958472806" 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;=
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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 align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span>

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" styl=
e=3D"color: rgb(0, 0, 0);"><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></p><p align=3D"center" s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font>=
<font><font><font><font style=3D"font-size: 9pt;">dba theLender. All Rights=
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ign=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00=
0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
);"><font><font><font style=3D"font-size: 9pt;">NMLS #133519. CL &ndash; 13=
3519</font></font></font></font></font></p><p align=3D"center" style=3D"fon=
t-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;=
line-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font><font styl=
e><font style=3D"font-size: 9pt;">For licensing information, go to: <a data=
-saferedirecturl=3D"https://www.google.com/url?q=3Dhttp://www.nmlsconsumera=
ccess.org/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw29GRNjzACcguiY=
xPUXIbfw" href=3D"http://www.nmlsconsumeraccess.org/" rel=3D"noopener noref=
errer" style=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=
=3D"_blank" zcurl_name=3D"l_3">www.nmlsconsumeraccess.org</a></font></font>=
</font></font></font></font></p><p align=3D"center" style=3D"font-family:Ar=
ial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height=
: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, H=
elvetica" style=3D"color: rgb(0, 0, 0);"><font><font><font><font><font styl=
e=3D"font-size: 9pt;"><font><a data-saferedirecturl=3D"https://www.google.c=
om/url?q=3Dhttps://wholesale.thelender.com/licensing/&source=3Dgmail&ust=3D=
1699044272040000&usg=3DAOvVaw2tRdr0isTYoMszXWhv1Qbx" href=3D"https://mofway=
-zgph.maillist-manage.net/click/1103167e246cd88b7/1103167e246cd15cd" rel=3D=
"noopener noreferrer" style=3D"text-decoration:underline;color: rgb(51, 51,=
 51);" target=3D"_blank" zcurl_name=3D"l_4">Licensing</a> | </font><a data-=
saferedirecturl=3D"https://www.google.com/url?q=3Dhttps://wholesale.thelend=
er.com/site-map/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw2svIp9HL=
hQE5zj72swE6hK" href=3D"https://mofway-zgph.maillist-manage.net/click/11031=
67e246cd88b7/1103167e246cd15cf" rel=3D"noopener noreferrer" style=3D"text-d=
ecoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" zcurl_name=
=3D"l_5">Site Map</a> | <a data-saferedirecturl=3D"https://www.google.com/u=
rl?q=3Dhttps://wholesale.thelender.com/privacy/&source=3Dgmail&ust=3D169904=
4272040000&usg=3DAOvVaw0NcOlp2z7KlaUlEZv3QVip" href=3D"https://mofway-zgph.=
maillist-manage.net/click/1103167e246cd88b7/1103167e246cd15d1" rel=3D"noope=
ner noreferrer" style=3D"text-decoration:underline;color: rgb(51, 51, 51);"=
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t></font></font></font></p><p align=3D"center" style=3D"font-family:Arial,v=
erdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19p=
t; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" s=
tyle=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font><font><font style=3D"font-size: 9=
pt;"><font><font> </font></font><font><font><a data-saferedirecturl=3D"http=
s://www.google.com/url?q=3Dhttps://wholesale.thelender.com/feedback/&source=
=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw2impa7HjKs1QFU9Mvl5Naf" href=3D=
"https://mofway-zgph.maillist-manage.net/click/1103167e246cd88b7/1103167e24=
6cd15d3" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;col=
or: rgb(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_7">Anonymous Feedba=
ck to theLender</a></font></font><br></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 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0=
, 0, 0);"><font><font style=3D"font-size: 9pt;"><br></font></font></font></=
font></p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:1=
2px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: cen=
ter;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"colo=
r: rgb(0, 0, 0);"><font><font style=3D"font-size: 9pt;"></font></font></fon=
t></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;font-si=
ze:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align:=
 center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:=
 rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0);"><font style><font style=3D"font-size: 8pt;"><font sty=
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