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d-break: break-word; color: #e4002b; font-size: 14px;">_</span>a<span style=
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C1FpdMlfBrBgjDEX59D5JjVpuCQrQYwBJBgFWimnpZSHAdAQutakVqq2aSoj-UaZ5kTlEJdJjEx=
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ssUMWThf7DBIYzMqm_gUlVBGKi2l10KIQ1JgEHwwJQgZrGVG0IgVl4LrIV9mPhHOfYnoNWDB0Gh=
p28YU0E2rRGpcarOUGVqTPa9xJLpuTB-Z6pjq9n0__HtjqluBcBsRaWOq42uEpay4MyM2wrVOy2=
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ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
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;background-color:#fff;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-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"ima=
ge_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=
"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"=
><div class=3D"alignment" align=3D"center" style=3D"line-height:10px"><div=
=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/20231226_NewYear.jpg" style=3D"display:block;height:auto;=
border:0;width:100%" width=3D"700" alt=3D"Image" title=3D"Image" height=3D"=
auto"></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></table><table class=3D"row row-4" align=3D"center" width=3D"100%" bor=
der=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;font-size:20px;mso-line-height-alt:24px=
"><span style=3D"word-break: break-word; color: #e4002b; font-size: 28px;">=
<strong><span style=3D"word-break: break-word;">Happy New Year from all of =
us at theLender.</span></strong></span></p><p style=3D"margin:0;font-size:2=
0px;text-align:center;mso-line-height-alt:14.399999999999999px">&nbsp;</p><=
p style=3D"margin:0;font-size:20px;text-align:center;mso-line-height-alt:24=
px">
As we bid farewell to 2024, theLender would like to express our heartfelt g=
ratitude for your business and trust over the past year. It has been an abs=
olute pleasure working with you, and we look forward to continuing our part=
nership in 2025 and beyond. Together, let=E2=80=99s celebrate this year=E2=
=80=99s achievements and welcome the opportunities ahead with optimism and =
excitement.<br>Cheers to a joyful and prosperous New Year!</p></div></div><=
/td></tr></table><table class=3D"divider_block block-2" width=3D"100%"=20
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" sty=
le=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div cla=
ss=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" width=3D"95%" style=3D"mso-table-lspac=
e:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" style=3D"font-size:=
1px;line-height:1px;border-top:2px solid #e4002b"><span style=3D"word-break=
: break-word;">&#8202;</span></td></tr></table></div></td></tr></table><tab=
le=20
class=3D"text_block block-3" 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;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-l=
eft:50px;padding-right:55px"><div style=3D"font-family:sans-serif"><div cla=
ss style=3D"font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-=
serif;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2">=
<p=20
style=3D"margin:0;text-align:center;mso-line-height-alt:14.399999999999999p=
x"><strong><span style=3D"word-break: break-word; font-size: 18px;">Holiday=
 Schedule for the Lock Desk:</span></strong><br><span style=3D"word-break: =
break-word; font-size: 18px;">Wednesday, January 1st: <strong><span style=
=3D"word-break: break-word; color: #e4002b;">Closed for New Year=E2=80=99s =
Day</span></strong>.</span><br><br><strong><span style=3D"word-break: break=
-word; font-size: 18px;">Early Closure for QM Loans:</span></strong>
</p><p style=3D"margin:0;text-align:center;mso-line-height-alt:21.599999999=
999998px"><span style=3D"word-break: break-word; font-size: 18px;">Tuesday,=
 December 31st: <span style=3D"word-break: break-word; color: #e4002b;"><st=
rong>Closing at 11:00 AM PST</strong></span>.</span></p><p style=3D"margin:=
0;mso-line-height-alt:21.599999999999998px"><br></p><p style=3D"margin:0;te=
xt-align:center;mso-line-height-alt:21.599999999999998px">
<span style=3D"word-break: break-word; font-size: 18px;">Note: Non-QM locks=
 will continue to be accepted during early closure hours.</span></p><p styl=
e=3D"margin:0;mso-line-height-alt:14.399999999999999px">&nbsp;</p></div></d=
iv></td></tr></table><table class=3D"divider_block block-4" width=3D"100%" =
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" sty=
le=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div cla=
ss=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0"=20
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 style=3D"word-br=
eak: break-word;">&#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%" border=3D"0" cellpadding=3D"0" cellspaci=
ng=3D"0" role=3D"presentation" 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" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-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;mso-table-rspace:0;font-weight:400;text-align:left;b=
ackground-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%"=
=20
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
e=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td c=
lass=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;padding-right:1=
0px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class styl=
e=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;m=
so-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p=20
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px"><span style=3D"word-break: break-word; font-size: 18px;"><strong>Camero=
n Leclair</strong></span></p><p style=3D"margin:0;font-size:14px;text-align=
:center;mso-line-height-alt:16.8px"><strong>(949) 312-5374</strong>&nbsp;|&=
nbsp;<span style=3D"word-break: break-word; color: #000080; font-size: 14px=
;"><strong>cleclair@thelender.com&nbsp;</strong></span></p>
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
/table><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-=
table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-conte=
nt stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=
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:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td=20
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;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"10" cellspacing=3D"0" r=
ole=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-br=
eak:break-word"><tr><td class=3D"pad"><div style=3D"font-family:sans-serif"=
><div class=20
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;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-alt:16.8=
px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
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xevv8Hu8l6PzHr1VHNEb1zSNBlA8ySC3LsdD8_bY7gEPL9373_p6mzkerpNQEnWJOkOgHBI6Z7n=
nM3HbeAiAZw2MvVVD1KAtaoPoDQDsek2WyQebA2BwrrIgFy48ZV526TqqQXjscmRviDOH2qBra5=
vJ1K2Gvm76NiEmam3yqsSLyLxWZl_pY6WP27bt_r1V-qiWSFNeeKssrMJLGabPROXOWq9fS-K7E=
480lL7QKkp4nAsJdzk-_xZ4OJ0-ntR31D8BAAD__8RGXkU" target=3D"_blank" rel=3D"no=
opener">theLender.com</a> | <a style=3D"text-decoration: underline; color: =
#E4002B;" href=3D"http://email.thelender.com/c/eJxU0E9r4zAQBfBPI90cpNE_-6BD=
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n4fVbn-9XiqdlZswsL9Ejok8GFAYInXOeTMLklIdWk2mLHCMosBqM1sEopQ4J0BKG1pZW6dY5YR=
VfqNJcaD3kZZIj0zSUSMEgFWobo13X2IKm6UClxqcua52xsznIGi_M102Yo4BeQL_v--FXmoAe0=
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AAD__1tVZIQ" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a styl=
e=3D"text-decoration: underline; color: #E4002B;" href=3D"http://email.thel=
ender.com/c/eJxUkD1r8zAURn-NtDnoy5I8aAh5MfgdCqVtoN2upJvGIH8g39Tk3xfSLl2f4Tm=
ck0PrnHSGY5BOt9ZaJQTHmUa6Dzmc7Nv_7ijk6WV4_11f7yuG0zITJOLXkL3PgBFTbEWMHqzw0e=
juYp2OCuDCx6CEMlJpKZ0WQhyiAoPgvMleSN-2zAi6YsE5Yz2kZeIj4TTkgE4DZvSNlm3XmAy66=
ZSIjY1dkjJBZ5LjJVyJ1o3pI1M9U_2-74c_b0z1FQi3Zq1LviXamOp5DTDnijszYiOsZZw_E5QH=
fFtuNeFDEicYSyywESec1gKEQw7PP0n-nc8fT_wrqO8AAAD__xeDZWg" target=3D"_blank" =
rel=3D"noopener">Products</a>&nbsp;| <a style=3D"text-decoration: underline=
; color: #E4002B;" href=3D"http://email.thelender.com/c/eJxUkD1r8zAURn-NtTl=
IV7JkDRpCXgx-h0JpG2i3a-kmMcgfyLc1-feFtEvXZ3gO56TQOKecERSU0421FqQUNPPI9z6Fk3=
37749SnV7699_19b5SOC0zY2RxC1FpdMlfBrBgjDEX59D5JjVpuCQrQYwBJBgFWimnpZSHAdAQu=
takVqq2aSoj-UaZ5kTlEJdJjExTnwI5jZSorbVqfG0S6tqDHGo7-KhURG-iEzncmNet0scKugq6=
fd8Pf94q6Kal8BWvVK9YeKZSQSdKwDkV2isjN6aSx_kaMT_w2_JZIj00acIxDxk3FkzTmpGpT-H=
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rtner</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;" h=
ref=3D"http://email.thelender.com/c/eJxUkDtLxEAUhX_NTJflzp1niimWlUAsBFEXtJv=
H1Q1MHiSjYf-9sGtje4pzzvdlr60VVnHywkptjEEATlMd6rXP_mTeHtsjiNNL__6Xvl4X8qd5qi=
FVfvHOOGU-o3DJZOei0cYGtFYniABkgA8eAZVAKYSVAHCIGBQF61R2IJzWTEG9UKEp03pI88iHS=
mOfPVkZKJNrpNBto3KQTYsQGxPbJEQKrUqWF3-pddmYPDLsGHb7vh_-tTHs0v1sgww7vvow5ZV2=
pmCrtJZh-kqh3Ha3-XtNdOOjMQwllrBVXmlcSqjUZ_98t_FwPn888R-PvwEAAP__kJhhgw" tar=
get=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" height=3D"auto"></div></div></td></tr></tab=
le></td><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspa=
ce:0;mso-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=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/eJyMkstuozAYhZ_G7FL5gk1YsOgkok3VUI=
UmpbDz5W8htYEBpw1vPyLNaLqcjRdHn4_16dgkPIpIFAaQkIhxIQTFOIDWN37amGQlDg_xLSar5=
015TfdTD8mqa73UPqgTkLFQWr0RCRxzId6YwECEIVFEqBFR0CQU05BQRkjEMMY3isoQZLQMzRKT=
JecoxL4GC62B4UZ3Lmg8uI1JIGISDCwXjPB4ERrJFjHFaiFUrAnRMg51FNik9r4fEbtFNEU0_df=
kusG_y3dofuvBzb2Ipto20HpE06733cnfyLE_I5Z-wITYekfjk7lLj2bFU1WkvVr3tXL5VL2aW8=
1yq925V84cy-LrVNLYP7kD29LUVneH8HG_PWf7D5_d5fV2wnx7_NU87qvmqdiet0VWP-3zY_aFK=
GfmeojZsjGIrf_Hc-Zn9uceiAp_Ccl3iMMdz-dw6mFGvydCVPQXClFhpJeIrcuCf2j3wnb3Ga5e=
H0ZZ8Lak6fjosk_1fGA7mo1VkY1lYafdfd5Vxdkql1vd8KOi-K-Auz4ETjZWWTn6YEhkawb4QiE=
ePQy2ad-1tJdRx-40aLh8nh8XPLjeSg8bk-y-LdYvL1UWfCb0TwAAAP__EhjRFA" target=3D"=
_blank" style=3D"background-color: rgb(255, 255, 255);">here</a>. You're re=
ceiving this communication from us because you've given Hometown Equity Mor=
tgage, 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=
 correspondence to 25531 Commercentre #250 Lake Forest, CA 92630.</span></p=
></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody>=
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