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From: "Kory M. Simon" <ksimon@homexmortgage.com>
To: Andrew Sterling <sterlingwhg@gmail.com>
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Mortgage Tales From The Crypt

We've all encountered our fair share of jaw-dropping mortgage fails, and he=
re are four short stories that will leave you stunned!

Cryptic Conundrum
A few years ago, a lender denied an application due to the
house's unattractive exterior paint color. Appraisal review denied due to e=
conomic obsolescence.

Haunting Nightmare

When requesting CTC the underwriter pulled the gap report and BAM! I though=
t it would be easy - run the gap credit, close the loan, and be done with i=
t. But as it turned out, the gap credit showed two new auto payments and a =
30-day Amex
balance of $5000. DTI 55%+.

Graveyard Of Ghosts

The preliminary title commitment was the last condition for CTC. I thought =
this is an easy one; had my processor upload and waited for that CTC email.=
 Then I get a message from my AE, I was surprised to discover an old cemete=
ry located on the southwest corner of the lot. Needless to say, the purchas=
e did not go through. I am now convinced that the house is haunted.

Dreadful Dollars
I was working on a cash-out refinance for my client last month. When my app=
raiser's email came in, I immediately noticed the photo depicted a charming=
 suburban home with intricate details and captivating curb appeal, but with=
 a "For Sale" sign on the front lawn. It's difficult to refinance a propert=
y that's for sale.

Happy Halloween!

https://www.click2houston.com/news/weird-news/2020/01/14/they-cant-let-it-g=
o-haunted-elsa-doll-returns-to-houston-family-after-being-thrown-out-multip=
le-times/

https://www.goodnet.org/articles/7-health-benefits-eating-watermelon

###
###

The Haunted Doll

When you think of haunted dolls, it=E2=80=99s likely the creepy old Victori=
an-looking porcelain kind that springs to mind. None of which you probably =
have laying around. Still, don=E2=80=99t get too comfortable around any kid=
s toys too soon, though:
a Disney=E2=80=99s Frozen Elsa doll that was gifted for Christmas 2013 in t=
he Houston area made headlines earlier this year when it seemingly became h=
aunted.

The doll recited phrases from the movie Frozen and sang =E2=80=9CLet It Go=
=E2=80=9D
when a button on its necklace was pressed.

=E2=80=9CFor two years it did that in English,=E2=80=9D mother Emily Madoni=
a said.
=E2=80=9CIn 2015, it started doing it alternating between Spanish and Engli=
sh.
There wasn=E2=80=99t a button to change languages, it was random."

The family has owned the doll for more than six years and never changed its=
 batteries. The mother says the doll would randomly begin to speak and
sing even with its switch turned off.

The family decided to throw the creepy doll out in December of 2019. Weeks =
later, they found it inside a bench in their living room. =E2=80=9CThe kids=
 insisted they didn=E2=80=99t put it there, and I believed them because the=
y wouldn=E2=80=99t have dug through the garbage outside,=E2=80=9D Madonia t=
old KPRC2 Houston News.
https://www.click2houston.com/news/weird-news/2020/01/14/they-cant-let-it-g=
o-haunted-elsa-doll-returns-to-houston-family-after-being-thrown-out-multip=
le-times/ Continue Reading=20

https://www.foodandwine.com/best-spritzes-7499542 https://www.foodandwine.c=
om/cocktails-spirits/modern-summer-cocktails

10/27/2023 EOD Markets

Nasdaq
$12,643.01
+ 0.38%
S&P 500
$4,117.37
- 0.48%
Dow Jones
$32,417.59
- 1.12%
2-Year Treasury
5.015%
- 0.0.24 bps
10-Year Treasury=20
4.845%
UNCH

Your Dedicated Account Executive:=20
 Kory M. Simon
ksimon@homexmortgage.com
443-520-9995

Join Us For Our
November Broker Webinar

Our next webinar is scheduled for

Thursday, November 9, 2023.
This month=E2=80=99s topic is
"Citizenship and Residency Review
for Non-QM Borrowers."

https://zoom.us/webinar/register/WN_yzxypZLOQLy2tXeIUsgsrw#/registration Re=
gister For Webinar

https://zoom.us/webinar/register/WN_yzxypZLOQLy2tXeIUsgsrw#/registration

https://survey.zohopublic.com/zs/9tR4YE

"Off The Record" with HomeXpress

Chat with an experienced HomeXpress Mortgage
Account Executive about your next
Non-QM or Agency scenario.

https://survey.zohopublic.com/zs/9tR4YE Talk Off The Record

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NMLS ID 1446044. Equal Housing Lender. This message is intended only for th=
e designated recipient(s) named above and may contain confidential informat=
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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://zohopublic.com/zohocampaigns/78=
1644000177458083_zc_v87_1679076797557_news_flash.jpg" class=3D"zpImage" hei=
ght=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus.campaign-image.=
com/images/781644000177458083_zc_v1_1687387906735_homex_buzz_(1).jpg" style=
=3D"width:570px;height:autopx;max-width:570px !important;border:0px;text-al=
ign:left;" vspace=3D"0" width=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_1686255839469" 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_168=
6255839469" 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://media.giphy.com/media/B5bMHDFsY=
SxWw/giphy.gif" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" s=
rc=3D"https://media.giphy.com/media/B5bMHDFsYSxWw/giphy.gif" style=3D"width=
:570px;height:autopx;max-width:570px !important;border:0px;text-align:left;=
" title=3D"Tales from the crypt" vspace=3D"0" width=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_1680045449830" 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_1680045449830" 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><div align=3D"center" style=3D"text-al=
ign: center;"><font color=3D"#bf0003" face=3D"Times New Roman, Times, serif=
"><b style><span style=3D"font-size: 26.6667px;">Mortgage Tales From The Cr=
ypt</span></b></font></div><div align=3D"center" style=3D"text-align: cente=
r;"><font face=3D"Arial, Helvetica" style=3D"font-size: 12pt;"><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"font-size: 12pt; ba=
ckground-color: transparent;"></font><span>

</span></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: c=
enter;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-siz=
e: 12pt;color:#000000;"><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"f=
ont-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"font-size: 12pt;color:#000000;">We've all encountered our fa=
ir share of jaw-dropping mortgage fails, and here are four short stories th=
at will leave you stunned!</font></font></p><font color=3D"#000000" face=3D=
"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;">

</font></span><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p>

<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;=
 background-color: transparent;"></font><br><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;paddi=
ng:0px;margin: 0;text-align: center;"></p>

 </font><span style=3D"background-color: transparent; font-family: Arial, H=
elvetica; font-size: 12pt; font-weight: bold;">Cryptic Conundrum</span></di=
v><span><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: cent=
er;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: =
12pt;color:#000000;"><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"f=
ont-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"font-size: 12pt;color:#000000;">A few years ago, a lender de=
nied an application due to the <br>house's unattractive exterior paint colo=
r. Appraisal review denied due to economic obsolescence.</font></font></p><=
font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;c=
olor:#000000;">

</font></span><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"font-family:Aria=
l,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"font-size: 12pt;color:#000000;"><br></font></p><div align=3D"cen=
ter" style=3D"text-align: center;"><b style=3D"background-color: transparen=
t; font-family: Arial, Helvetica; font-size: 12pt; text-align: left;">Haunt=
ing Nightmare</b><br></div><div align=3D"center" style=3D"text-align: cente=
r;"><span style=3D"text-align: left; background-color: transparent;"><font =
face=3D"Arial, Helvetica"><span style=3D"font-size: 12pt;"></span></font></=
span></div><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"font-size: 12pt;col=
or:#000000;"></font></p></span><span><div align=3D"center" style=3D"text-al=
ign: center;"><span style=3D"font-size: 12pt; background-color: transparent=
;">When requesting CTC the underwriter pulled the gap report and BAM! I tho=
ught it would be easy - run the gap credit, close the loan, and be done wit=
h it. But as it turned out, the gap credit showed two new auto payments and=
 a </span><span style=3D"background-color: transparent; font-size: 12pt;">3=
0-day Amex <br>balance of $5000. DTI 55%+.</span></div><div align=3D"center=
" style=3D"text-align: center;"><span style=3D"font-size: 12pt; background-=
color: transparent;"><br></span></div><div align=3D"center" style=3D"text-a=
lign: center;"><span style=3D"background-color: transparent;">

<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>

</font></p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,v=
erdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; line-height: 1=
9pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica"=
 style><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size=
: 12pt;color:#000000;"><b>Graveyard Of Ghosts</b></font></font></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 color=
=3D"#000000" face=3D"Arial, Helvetica" style><font color=3D"#000000" face=
=3D"Arial, Helvetica" style>

</font></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><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Hel=
vetica" style=3D"color: rgb(0, 0, 0); font-size: 12pt;"></font></font></fon=
t></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"font-size: 12pt;col=
or:#000000;">The preliminary title commitment was the last condition for CT=
C. I thought this is an easy one; had my processor upload and waited for th=
at CTC email. Then I get a message from my AE, I was surprised to discover =
an old cemetery located on the southwest corner of the lot. Needless to say=
, the purchase did not go through. I am now convinced that the house is hau=
nted.</font></p>

</span><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><font color=3D"#000000" face=3D"Ar=
ial, Helvetica" style><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le><font color=3D"#000000" face=3D"Arial, Helvetica" style></font></font></=
font></font></p><font color=3D"#000000" face=3D"Arial, Helvetica" style><fo=
nt color=3D"#000000" face=3D"Arial, Helvetica" style>

</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>

</font><br><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica,=
 sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-s=
ize:12px;padding:0px;"></p><p style=3D"font-family:Arial,verdana;font-size:=
12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: le=
ft;"><font color=3D"#000000" face=3D"Arial, Helvetica" style><span style=3D=
"font-size: 12pt;"><span>

</span></span></font></p><p align=3D"center" style=3D"font-family:Arial,ver=
dana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt;=
 text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12=
pt;color:#000000;"><b>Dreadful Dollars</b></font></font></p><font color=3D"=
#000000" face=3D"Arial, Helvetica" style>

</font></span><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></p><p align=3D"center" style=3D"font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: =
19pt; text-align: center;"><span style=3D"font-size: 12pt; text-align: cent=
er; background-color: transparent; font-family: Arial, Helvetica, sans-seri=
f;">I was working on a cash-out refinance for my client last month. When my=
 appraiser's email came in, I immediately noticed the </span><span style=3D=
"font-size: 12pt; text-align: center; background-color: transparent; font-f=
amily: Arial, Helvetica;">photo depicted a charming suburban home with intr=
icate details and captivating curb appeal, but with a &quot;For Sale&quot; =
sign on the front lawn. </span><span style=3D"font-size: 12pt; background-c=
olor: transparent; font-family: Arial, Helvetica;">It's difficult to refina=
nce a property that's for sale.</span></p><p align=3D"center" style=3D"font=
-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;l=
ine-height: 19pt; text-align: center;"><span style=3D"font-size: 12pt; back=
ground-color: transparent; font-family: Arial, Helvetica;"><br></span></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;"><spa=
n style=3D"background-color: transparent;"><font color=3D"#b62f2f" face=3D"=
Times New Roman, Times, serif" style=3D"font-size: 20pt;"><b>Happy Hallowee=
n!</b></font></span></p></div></span><div align=3D"center" style=3D"text-al=
ign: center;"><span><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;"><span style=3D"font-size: 12pt; background-color: transpar=
ent; font-family: Arial, Helvetica, sans-serif;"></span></p></span></div></=
div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1693520032207" 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_169=
3520032207" 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<a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba=
647e7/1ad8f513ab9c2c30" style=3D"text-decoration:underline;border:0px;" tar=
get=3D"_blank" zcurl_name=3D"l_1">
=09=09=09<img align=3D"left" alt=3D"https://media.giphy.com/media/119SFXjoM=
sax6o/giphy.gif" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" =
src=3D"https://media.giphy.com/media/119SFXjoMsax6o/giphy.gif" style=3D"wid=
th:570px;height:autopx;max-width:570px !important;border:0px;text-align:lef=
t;" title=3D"Let it go" vspace=3D"0" width=3D"570">
=09=09=09</a>
=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_1693520040326" 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_1693520040326" 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><div componentlineheight=3D"19pt" id s=
tyle=3D"line-height: 19pt; outline: none;"><p align=3D"left" style=3D"line-=
height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;text-align: left; line-height: 19pt;"><b><font color=3D"#3333=
33" face=3D"Arial, Helvetica" style=3D"color: rgb(51, 51, 51); font-size: 1=
8pt; line-height: 19pt;"><span style=3D"line-height: 19pt;">

</span></font></b></p><h2 style=3D"font-family:Arial,verdana,Helvetica, san=
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<span style=3D"font-size: 12pt;"></span>

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f; color:#000000;color:#000000; font-weight:normal;font-family:Arial,verdan=
a,Helvetica, sans-serif; color:#000000;font-size: 26px;"><font style><span =
style=3D"font-size: 12pt;"><a href=3D"https://ltbc-zgph.maillist-manage.net=
/click/1ad8f513aba647e7/1ad8f513ab9c2c32" rel=3D"noopener noreferrer" style=
=3D"text-decoration:underline;background-color: transparent; color: rgb(0, =
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le=3D"color:#004ab5;"></font></a></span>

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or:#000000;padding:0px;margin: 0;font-size: 12pt; line-height: 19pt; text-a=
lign: center;"></p><div align=3D"center" style=3D"font-size: 12pt; text-ali=
gn: center;"><span style=3D"font-size: 12pt; background-color: transparent;=
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erif;font-size: 26px;color:#000000; font-weight:normal; color:#000000;paddi=
ng: 0px;margin: 0;text-align: center;"><span><font style=3D"font-size: 18pt=
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<span><span>

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amily:Arial, Helvetica, sans-serif; color:#000000;color:#000000; font-weigh=
t:normal;font-family:Arial,verdana,Helvetica, sans-serif; color:#000000;fon=
t-size: 28px;"><font color=3D"#bf0003"><span>

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erif;font-size: 26px;color:#000000; font-weight:normal; color:#000000;paddi=
ng: 0px;margin: 0;text-align: center;"><font color=3D"#d22730">

</font></h2><h2 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;fo=
nt-size: 26px;color:#000000; font-weight:normal; color:#000000;padding: 0px=
;margin: 0;text-align: center;"><span style=3D"background-color: transparen=
t;"><font color=3D"#d22730"><span>

</span></font></span></h2><h3 style=3D"font-family:Arial,verdana,Helvetica,=
 sans-serif;font-size: 24px;color:#000000; font-weight:normal; color:#00000=
0;padding: 0px;margin: 0;text-align: center;"><span style=3D"font-size: 26p=
x; background-color: transparent;"><font color=3D"#d22730"><span>

</span></font></span></h3><h3 style=3D"margin: 0;padding: 0px;font-family:A=
rial, Helvetica, sans-serif; color:#000000;color:#000000; font-weight:norma=
l;font-family:Arial,verdana,Helvetica, sans-serif; color:#000000;font-size:=
 24px;"><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: cent=
er;"><span style=3D"background-color: transparent;"><font color=3D"#bf0003"=
 style=3D"font-size: 20pt;">

</font></span></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;"><span style=3D"background-color: transparent;"><font color=
=3D"#bf0003" style><font style=3D"font-size: 20pt;"><span>

</span></font></font></span></p></h3><h2 style=3D"font-family:Arial,verdana=
,Helvetica, sans-serif;font-size: 26px;color:#000000; font-weight:normal; c=
olor:#000000;padding: 0px;margin: 0;text-align: center;"><span style=3D"bac=
kground-color: transparent;"><font color=3D"#bf0003" style><font style=3D"f=
ont-size: 20pt;"><span><font color=3D"#bf0003"><span>

</span></font></span></font></font></span></h2><h2 style=3D"font-family:Ari=
al,verdana,Helvetica, sans-serif;font-size: 26px;color:#000000; font-weight=
:normal; color:#000000;padding: 0px;margin: 0;text-align: center;"><span><f=
ont color=3D"#bf0003"><span>

</span></font></span></h2><h2 style=3D"margin: 0;padding: 0px;font-family:A=
rial, Helvetica, sans-serif; color:#000000;color:#000000; font-weight:norma=
l;font-family:Arial,verdana,Helvetica, sans-serif; color:#000000;font-size:=
 26px;"><div align=3D"center" style=3D"text-align: center;"><font style=3D"=
font-size: 20pt;"><span style=3D"color: rgb(191, 0, 3); background-color: t=
ransparent;"></span></font></div><span><font color=3D"#bf0003" style=3D"fon=
t-size: 20pt;">

</font></span></h2><h2 style=3D"font-family:Arial,verdana,Helvetica, sans-s=
erif;font-size: 26px;color:#000000; font-weight:normal; color:#000000;paddi=
ng: 0px;margin: 0;text-align: center;"><span><font color=3D"#bf0003" style=
=3D"font-size: 20pt;">

</font></span></h2><h1 style=3D"margin: 0;padding: 0px;font-family:Arial, H=
elvetica, sans-serif; color:#000000;color:#000000; font-weight:normal;font-=
family:Arial,verdana,Helvetica, sans-serif; color:#000000;font-size: 28px;"=
><font color=3D"#bf0003" style=3D"font-size: 20pt;"></font></h1></b></font>=
<span>

<h2 style=3D"font-family:Arial,verdana,Helvetica, sans-serif;font-size: 26p=
x;color:#000000; font-weight:normal; color:#000000;padding: 0px;margin: 0;t=
ext-align: center;"><font color=3D"#bf0003" face=3D"Times New Roman, Times,=
 serif"><b>The Haunted Doll</b></font></h2>

</span><div align=3D"center" style=3D"text-align: center;"><span><b><font c=
olor=3D"#bf0003" face=3D"Times New Roman, Times, serif"><br></font></b></sp=
an></div>

<b style=3D"background-color: transparent;"><font color=3D"#bf0003" face=3D=
"Times New Roman, Times, serif" style><font style=3D"font-size: 20pt;">

</font></font></b><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><p style=3D"margin: 0;padding: 0px;font-f=
amily:Arial, Helvetica, sans-serif; color:#000000;line-height:1.7;font-fami=
ly:Arial,verdana;font-size:12px;padding:0px;"></p><div align=3D"center" sty=
le=3D"text-align: center;"><p align=3D"center" style=3D"line-height:1.7;fon=
t-family:Arial,verdana;font-size:12px;padding:0px;margin: 0;color: rgb(191,=
 0, 3); line-height: 19pt; text-align: center;"><span>

</span></p><font style><p align=3D"center" style=3D"line-height:1.7;font-fa=
mily:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; li=
ne-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0);">When you think of haunted dolls=
, it&rsquo;s likely the creepy old Victorian-looking porcelain kind that sp=
rings to mind. None of which you probably have laying around. Still, don&rs=
quo;t get too comfortable around any kids toys too soon, though: <br>a Disn=
ey&rsquo;s </font><em style=3D"text-align: center; background-color: transp=
arent; font-family: Arial, Helvetica, sans-serif;">Frozen  </em><span style=
=3D"font-family: Arial, Helvetica; background-color: transparent;">Elsa dol=
l that was gifted for Christmas 2013 in the Houston area made headlines ear=
lier this year when it seemingly became haunted.</span></p><p align=3D"cent=
er" style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;paddi=
ng:0px;margin: 0;font-size: 12pt; line-height: 19pt; text-align: center;"><=
span style=3D"font-family: Arial, Helvetica; background-color: transparent;=
"><span>

</span></span></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; line-he=
ight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Hel=
vetica" style=3D"font-size: 12pt;color:#000000;"><br></font></p><p align=3D=
"center" style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;=
padding:0px;margin: 0;font-size: 12pt; line-height: 19pt; text-align: cente=
r;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 1=
2pt;color:#000000;">The doll recited phrases from the movie Frozen and sang=
 &ldquo;Let It Go&rdquo; <br>when a button on its necklace was pressed.</fo=
nt></p><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: 19pt;=
 text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"font-size: 12pt;color:#000000;"><b><br></b></font></p><p align=3D"cen=
ter" style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;padd=
ing:0px;margin: 0;font-size: 12pt; line-height: 19pt; text-align: center;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;=
color:#000000;"><span><b>

</b></span></font></p><p align=3D"center" style=3D"line-height:1.7;font-fam=
ily:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; lin=
e-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"font-size: 12pt;color:#000000;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><b>&ld=
quo;For two years it did that in English,&rdquo; mother Emily Madonia said.=
 </b></font></font></p><p align=3D"center" style=3D"line-height:1.7;font-fa=
mily:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt; li=
ne-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"font-size: 12pt;color:#000000;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><b>&l=
dquo;In 2015, it started doing it alternating between Spanish and English.&=
nbsp;</b></font></font></p><p align=3D"center" style=3D"line-height:1.7;fon=
t-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt=
; line-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"A=
rial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><font color=3D"#0=
00000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><=
b>There wasn&rsquo;t a button to change languages, it was random.&quot;</b>=
</font></font></p><font color=3D"#000000" face=3D"Arial, Helvetica" style><=
div align=3D"center" style=3D"text-align: center;"><span style=3D"font-size=
: 16px;"><b><br></b></span></div><b style=3D"color: rgb(0, 0, 0); font-size=
: 12pt;">

</b></font></font><font style=3D"font-size: 12pt;"><p align=3D"center" styl=
e=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;text-align: center;"></p><p align=3D"center" style=
=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;mar=
gin: 0;line-height: 19pt; text-align: center;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><span><b>

</b></span></font></p><p align=3D"center" style=3D"font-family:Arial,verdan=
a;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; te=
xt-align: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"font-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial, =
Helvetica" style=3D"font-size: 12pt;color:#000000;">The family has owned th=
e doll for more than six years and never changed its batteries. The mother =
says the doll would randomly begin to speak and <br>sing even with its swit=
ch turned off.</font></font></p><font color=3D"#000000" face=3D"Arial, Helv=
etica" style=3D"font-size: 12pt;color:#000000;">

<br></font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,v=
erdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: cent=
er;"></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"font-size:=
 12pt;color:#000000;"><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"f=
ont-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"font-size: 12pt;color:#000000;">The family decided to throw =
the creepy doll out in December of 2019. Weeks later, they found it inside =
a bench in their living room. &ldquo;The kids insisted they didn&rsquo;t pu=
t it there, and I believed them because they wouldn&rsquo;t have dug throug=
h the garbage outside,&rdquo; Madonia told KPRC2 Houston News.</font></font=
></p></font><p align=3D"center" style=3D"font-family:Arial,verdana;font-siz=
e:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: =
center;"><font face=3D"Arial, Helvetica" style><font color=3D"#2828da" styl=
e=3D"color: rgb(40, 40, 218); font-size: 10pt;"><br><a alt=3D"Continue Read=
ing" href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba647e7/1=
ad8f513ab9c2c34" rel=3D"noopener noreferrer" style=3D"text-decoration:under=
line;color: rgb(40, 40, 218);" target=3D"_blank" title=3D"Continue Reading"=
 zcurl_name=3D"l_3"><font color=3D"#2828da" style=3D"color: rgb(40, 40, 218=
);">Continue Reading</font></a>&nbsp;</font></font></p>

<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;"><sp=
an style=3D"font-size: 12pt; font-family: Arial, Helvetica; background-colo=
r: transparent;"></span></p>

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ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;co=
lor:#000000;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"fo=
nt-size: 12pt;color:#000000;">

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ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-a=
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rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align=
: center;"></p></div><div><span><div style><div align=3D"center" style=3D"t=
ext-align: center;"><font face=3D"Arial, Helvetica" style><font style><font=
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rget=3D"_blank" title=3D"20 More Summer Cocktails Ideas" zcurl_name=3D"l_4"=
>

</a></font></font><a alt=3D"20 More Summer Cocktails Ideas" href=3D"https:/=
/ltbc-zgph.maillist-manage.net/click/1ad8f513aba647e7/1ad8f513ab9c2c38" rel=
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ank" title=3D"20 More Summer Cocktails Ideas" zcurl_name=3D"l_5">

</a></font></div></div></span></div><p style=3D"line-height:1.7;font-family=
:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 12pt;"></p><=
div align=3D"center" style=3D"text-align: center;"><font style=3D"font-size=
: 15pt; line-height: 19pt;"><span style=3D"background-color: transparent; l=
ine-height: 19pt;"></span></font></div><span style=3D"line-height: 19pt;"><=
font style=3D"line-height: 19pt;"><span style=3D"line-height: 19pt;"><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; line-height: =
19pt;"><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: rg=
b(51, 51, 51); font-size: 11pt; line-height: 19pt;"></font></p>

</span><div align=3D"left" style=3D"text-align: left;"><span style=3D"backg=
round-color: transparent; line-height: 19pt;"><font style=3D"font-size: 11p=
t; line-height: 19pt;"></font>


 </span></div><div align=3D"left" style=3D"font-size: 14pt; text-align: lef=
t;"><span style=3D"background-color: transparent; font-size: 14pt; line-hei=
ght: 19pt;"></span></div></font></span><p align=3D"left" style=3D"line-heig=
ht:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;=
margin: 0;text-align: left; line-height: 19pt;"><span style=3D"background-c=
olor: rgb(242, 224, 71); line-height: 19pt;"><span style=3D"color: rgb(51, =
51, 51); font-family: Arial, Helvetica; font-size: 13pt; line-height: 19pt;=
"></span></span></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1691086567964" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1691086567=
964" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:16px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:16px;border-top:none=
 none none;border-bottom:none none none;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1679087213605" 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_1679087213605" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#093657;">
=09    =09<table bgcolor=3D"#093657" 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:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentbgcolor=3D"#093657" style=3D"backgr=
ound-color: rgb(9, 54, 87);"><p style=3D"font-family:Arial,verdana;font-siz=
e:12px; color:#000000;padding:0px;margin: 0;line-height: 25pt; text-align: =
left;"><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color:#33=
3333;font-size: 24pt;"><span>


<style>

</style>


</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"#ff6260" face=3D"Arial, Helvetica"><span styl=
e=3D"font-size: 20px;"><b style>10/27/2023 EOD Markets</b></span></font></p=
><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color:#333333;f=
ont-size: 24pt;">


</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_1680110454259" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1680110454=
259" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:13px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:13px;border-top:none=
 none none;border-bottom:none none none;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1680128378818" 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_168=
0128378818" 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://media.giphy.com/media/OTg4nrmU8=
vkty/giphy.gif" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" s=
rc=3D"https://media.giphy.com/media/OTg4nrmU8vkty/giphy.gif" style=3D"width=
:570px;height:autopx;max-width:570px !important;border:0px;text-align:left;=
" title=3D"Let it go" vspace=3D"0" width=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_1679070936595" 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_1679070936595" 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:9pt;border-top:=
0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pad=
ding-right:15px;padding-left:15px;">
             =09    =09=09<div componentbgcolor=3D"#ffffff" componentlinehe=
ight=3D"9pt" style=3D"line-height: 9pt; background-color: rgb(255, 255, 255=
);"><table align=3D"left" style=3D" border:0px;border-collapse:collapse;bor=
der-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;font-size=
:12px;width: 100%; float: left; border-collapse: collapse;"><tbody><tr><td =
style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;fon=
t-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;=
border:0px;padding:7px;line-height: 9pt; width: 33.33%; padding: 7px; font-=
family: Arial, Helvetica, sans-serif; text-align: center; border-collapse: =
collapse;" width=3D"33.33%"><font style=3D"font-size: 12pt;"><b style><font=
 style>Nasdaq</font></b><br></font></td><td style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px;line-hei=
ght: 9pt; width: 33.33%; padding: 7px; font-family: Arial, Helvetica, sans-=
serif; text-align: center; border-collapse: collapse;" width=3D"33.33%"><fo=
nt style=3D"font-size: 12pt;">$12,643.01</font></td><td style=3D"border-col=
lapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Hel=
vetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:=
7px;line-height: 9pt; width: 33.33%; padding: 7px; font-family: Arial, Helv=
etica, sans-serif; text-align: center; border-collapse: collapse;" width=3D=
"33.33%"><font color=3D"#007c44" style=3D"font-size: 12pt;">+ 0.38%</font><=
/td></tr><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; f=
ont-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:7px;line-height: 9pt; width: 33.33%; pa=
dding: 7px; font-family: Arial, Helvetica, sans-serif; text-align: center; =
border-collapse: collapse;" width=3D"33.33%"><font style=3D"font-size: 12pt=
;"><b>S&P 500</b></font></td><td style=3D"border-collapse:collapse; mso-tab=
le-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso=
-table-rspace:0pt;font-size:12px;border:0px;padding:7px;line-height: 9pt; w=
idth: 33.33%; padding: 7px; font-family: Arial, Helvetica, sans-serif; text=
-align: center; border-collapse: collapse;" width=3D"33.33%"><font style=3D=
"font-size: 12pt;">$4,117.37</font></td><td style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px;line-hei=
ght: 9pt; width: 33.33%; padding: 7px; font-family: Arial, Helvetica, sans-=
serif; text-align: center; border-collapse: collapse;" width=3D"33.33%"><fo=
nt color=3D"#bf0003" style=3D"font-size: 12pt;">- 0.48%</font></td></tr><tr=
><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12p=
x;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:=
12px;border:0px;padding:7px;width: 33.33%; padding: 7px; font-family: Arial=
, Helvetica, sans-serif; text-align: center; border-collapse: collapse;" wi=
dth=3D"33.33%"><font style=3D"font-size: 12pt;"><b>Dow Jones&nbsp;</b></fon=
t></td><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-si=
ze:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font=
-size:12px;border:0px;padding:7px;width: 33.33%; padding: 7px; font-family:=
 Arial, Helvetica, sans-serif; text-align: center; border-collapse: collaps=
e;" width=3D"33.33%"><font style=3D"font-size: 12pt;">$32,417.59</font></td=
><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12p=
x;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:=
12px;border:0px;padding:7px;width: 33.33%; padding: 7px; font-family: Arial=
, Helvetica, sans-serif; text-align: center; border-collapse: collapse;" wi=
dth=3D"33.33%"><font color=3D"#bf0003" style=3D"font-size: 12pt;">- 1.12%</=
font></td></tr><tr><td style=3D"border-collapse:collapse; mso-table-lspace:=
0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rsp=
ace:0pt;font-size:12px;border:0px;padding:7px;width: 33.33%; padding: 7px; =
font-family: Arial, Helvetica, sans-serif; text-align: center; border-colla=
pse: collapse;" width=3D"33.33%"><font style=3D"font-size: 12pt;"><font sty=
le><b style><span>2-Year Treasury</span></b></font></font></td><td style=3D=
"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family=
:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0=
px;padding:7px;width: 33.33%; padding: 7px; font-family: Arial, Helvetica, =
sans-serif; text-align: center; border-collapse: collapse;" width=3D"33.33%=
"><font style=3D"font-size: 12pt;"><span>

5.015%</span></font></td><td style=3D"border-collapse:collapse; mso-table-l=
space:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tab=
le-rspace:0pt;font-size:12px;border:0px;padding:7px;width: 33.33%; padding:=
 7px; font-family: Arial, Helvetica, sans-serif; text-align: center; border=
-collapse: collapse;" width=3D"33.33%"><span style=3D"font-size: 16px;"><fo=
nt color=3D"#bf0003">- 0.0.24 bps</font></span></td></tr><tr><td style=3D"b=
order-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:A=
rial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px=
;padding:7px;width: 33.33%; padding: 7px; font-family: Arial, Helvetica, sa=
ns-serif; text-align: center; border-collapse: collapse;" width=3D"33.33%">=
<font style=3D"font-size: 12pt;"><span><b><span><b><span>10-Year Treasury</=
span></b>

</span></b>

</span>&nbsp;</font></td><td style=3D"border-collapse:collapse; mso-table-l=
space:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tab=
le-rspace:0pt;font-size:12px;border:0px;padding:7px;width: 33.33%; padding:=
 7px; font-family: Arial, Helvetica, sans-serif; text-align: center; border=
-collapse: collapse;" width=3D"33.33%"><font style=3D"font-size: 12pt;"><sp=
an>4.845%</span></font></td><td style=3D"border-collapse:collapse; mso-tabl=
e-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-=
table-rspace:0pt;font-size:12px;border:0px;padding:7px;width: 33.33%; paddi=
ng: 7px; font-family: Arial, Helvetica, sans-serif; text-align: center; bor=
der-collapse: collapse;" width=3D"33.33%"><font color=3D"#444343" style=3D"=
font-size: 12pt;">UNCH</font></td></tr></tbody></table><style>

</style><style>

</style><style>

</style><style>

</style><style>

</style><style>

</style><style>

</style><style>

</style></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1679074942030" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1679074942=
030" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:10px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:10px;border-top:none=
 none none;border-bottom:none none none;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1655137348064" 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_1655137348064" 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=
:3px solid #00558f;   border-bottom:3px solid #00558f;padding-top:7px;paddi=
ng-bottom:7px;padding-right:15px;padding-left:15px;">
             =09    =09=09<div componentborder=3D"#00558f" componentbottomb=
ordersize=3D"3px" componentbottomborderstyle=3D"solid" componenttopbordersi=
ze=3D"3px" componenttopborderstyle=3D"solid" style><p align=3D"center" styl=
e=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;ma=
rgin: 0;line-height: 25pt; color: rgb(51, 51, 51); font-family: Arial, Helv=
etica; font-size: 12pt; text-align: center;"><font color=3D"#333333" face=
=3D"Arial, Helvetica" style=3D"color:#333333;font-size: 18pt;"><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;"></p><font style><font style=3D"font-family: Arial, Helvetica=
; text-align: center;"><div align=3D"center" style=3D"text-align: center;">=
<font style><font color=3D"#333333" style=3D"font-size: 14pt;"><b></b></fon=
t>


<style>

</style>


<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 face=3D"Arial, Helvetica" style><b style><font style=3D"font-size: 14pt;=
">

<font color=3D"#040449" style><font style><font style><b style>Your Dedicat=
ed Account Executive:</b></font>&nbsp;</font>&nbsp;</font><font color=3D"#0=
04ab5" style>&nbsp;</font></font>

</b></font></p>

<p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana; col=
or:#000000;padding:0px;margin: 0;font-size: 14pt; color: rgb(51, 51, 51); l=
ine-height: 19pt; text-align: center;"><font color=3D"#333333" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(51, 51, 51);">&nbsp;</font><span style=3D=
"background-color: transparent; text-align: center; color: rgb(51, 51, 51);=
 font-family: Arial, Helvetica;">Kory M. Simon</span></p></font></div></fon=
t><span style=3D"font-size: 14pt; color: rgb(51, 51, 51); font-family: Aria=
l, Helvetica; text-align: center;"><div align=3D"center" style=3D"text-alig=
n: center;">ksimon@homexmortgage.com</div></span><span style=3D"font-size: =
14pt; color: rgb(51, 51, 51); font-family: Arial, Helvetica; text-align: ce=
nter;"><div align=3D"center" style=3D"text-align: center;">443-520-9995</di=
v></span></font><p align=3D"center" style=3D"line-height:1.7;font-family:Ar=
ial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align:=
 center;"></p><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"co=
lor: rgb(51, 51, 51); font-size: 12pt; font-family: Arial, Helvetica;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center;"=
></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1693606072571" 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<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1693606072571" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
dding:0px;margin:0px;">
=09<div class=3D"zpcolumns" elm_wid_start=3D"600" style=3D"padding:0px;marg=
in:0px;">
=09    =09 <table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"=
0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;bord=
er:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-tabl=
e-rspace:0pt;width:100%;background-color:transparent;" width=3D"100%">
=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<!--[if (gte mso 9)|(IE)]>
=09                <table cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
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px;border-collapse:collapse; mso-table-lspace:0pt;width:100%; mso-table-rsp=
ace:0pt;" width=3D"100%">
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=09=09=09
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=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 54.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:324.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1693606072559" style=3D"padding:0px;">

          <div class=3D"zpelement-wrapper" id=3D"elm_1693606072560" 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 componentlineheight=3D"19pt" style=3D"line-h=
eight: 19pt;"><div align=3D"center" style=3D"text-align: center;"><b style=
=3D"font-family: Arial, Helvetica; background-color: transparent;"><font st=
yle=3D"line-height: 19pt;"><font color=3D"#040449" style=3D"font-size: 14pt=
; line-height: 19pt;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 19pt;"><font face=3D"Arial, Helvetica" style=3D"line-height: 1=
9pt;"><font style=3D"line-height: 19pt;"><b style><font style=3D"line-heigh=
t: 19pt;"><font style=3D"line-height: 19pt;"><font style=3D"line-height: 19=
pt;"><font style=3D"line-height: 19pt;"><font style=3D"line-height: 19pt;">=
<font color=3D"#040449" style=3D"font-size: 14pt; line-height: 19pt;"><b st=
yle>Join Us For Our&nbsp;</b></font></font></font></font></font></font></b>=
</font></font></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-alig=
n: center; line-height: 19pt;"><font face=3D"Arial, Helvetica" style=3D"lin=
e-height: 19pt;"><font style=3D"line-height: 19pt;"><b style><font style=3D=
"line-height: 19pt;"><font style=3D"line-height: 19pt;"><font style=3D"line=
-height: 19pt;"><font style=3D"line-height: 19pt;"><font style=3D"line-heig=
ht: 19pt;"><font color=3D"#040449" style=3D"font-size: 14pt; line-height: 1=
9pt;"><b style>November Broker Webinar<br><br></b></font></font></font></fo=
nt></font></font></b></font></font></p>

</font></b></div><div align=3D"center" style=3D"text-align: center;"><font =
color=3D"#040449" style=3D"font-size: 12pt; line-height: 19pt;"><span style=
=3D"background-color: transparent; font-family: Arial, Helvetica; line-heig=
ht: 19pt;">Our next webinar is scheduled for&nbsp;</span><br></font></div><=
div align=3D"center" style=3D"text-align: center;"><span style=3D"backgroun=
d-color: transparent; line-height: 19pt;"><font face=3D"Arial, Helvetica" s=
tyle=3D"line-height: 19pt;"><font face=3D"Arial, Helvetica" style=3D"line-h=
eight: 19pt;"><font face=3D"Arial, Helvetica" style=3D"line-height: 19pt;">=
<font color=3D"#040449" style=3D"line-height: 19pt;"><div align=3D"center" =
style=3D"text-align: center;"><span style=3D"background-color: transparent;=
 text-align: center; line-height: 19pt;"><font style=3D"font-size: 12pt; li=
ne-height: 19pt;">

</font><p align=3D"center" style=3D"line-height:1.7;font-size:12px; color:#=
000000;padding:0px;margin: 0;font-family: Arial, Helvetica; text-align: cen=
ter; line-height: 19pt;"><font color=3D"#040449" face=3D"Arial, Helvetica" =
style=3D"font-size: 12pt; line-height: 19pt;">Thursday, November 9, 2023.</=
font></p><div align=3D"center" style=3D"font-size: 12pt; text-align: center=
;"><font style=3D"line-height: 19pt;"><span style=3D"background-color: tran=
sparent; line-height: 19pt;">This month&rsquo;s topic is&nbsp;<br></span><f=
ont style=3D"font-family: Arial, verdana, Helvetica, sans-serif; background=
-color: transparent; text-decoration-line: none; line-height: 19pt;">&quot;=
Citizenship and Residency Review <br>for Non-QM Borrowers.&quot;</font></fo=
nt></div></span></div></font></font></font></font><font color=3D"#000000" f=
ace=3D"Arial, Helvetica" style=3D"font-family: Arial, Helvetica; color: rgb=
(0, 0, 0); line-height: 19pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); line-height: 19pt;"><font style=3D"line=
-height: 19pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
color: rgb(0, 0, 0); line-height: 19pt;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 19pt;"></p></font>

</font></font></span><p align=3D"center" style=3D"line-height:1.7;font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-a=
lign: center; line-height: 19pt;"></p><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); line-height: 19=
pt;">

</font><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;word-break: normal; =
overflow-wrap: normal; text-align: center; line-height: 19pt;"></p></div></=
div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>

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


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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:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1693606179403=
" 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:#040449;font-family:Arial;fon=
t-weight:bold;text-align:center;border-radius:0px;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://lt=
bc-zgph.maillist-manage.net/click/1ad8f513aba647e7/1ad8f513ab9c2c3a" style=
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=09=09=09=09=09            <center style=3D"direction:ltr;color:#040449;fon=
t-family:Arial;font-size:14pt;font-weight:bold;">Register For Webinar</cent=
er>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://ltbc-zgph.maill=
ist-manage.net/click/1ad8f513aba647e7/1ad8f513ab9c2c3a" style=3D"padding:0p=
x 0px;background-color:#f3ba3f;width:286px;height:45px;font-size:14pt;direc=
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_6">
=09=09=09=09=09=09=09<font style=3D"color:#040449;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Register For Webinar
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
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=09=09=09
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=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 46.0%" valig=
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=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
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12px;max-width:276.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1693606072561" style=3D"padding:0px;">

=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_169=
3606072612" 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:12px;padding-bottom:12px;padding-righ=
t:12px;padding-left:12px;">
=09=09=09<a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba=
647e7/1ad8f513ab9c2c3c" style=3D"text-decoration:underline;border:0px;" tar=
get=3D"_blank" zcurl_name=3D"l_7">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/781644000177458083_zc_v1_1693606161970_broker_webinar_(1).jpg" class=3D"=
zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus.cam=
paign-image.com/images/781644000177458083_zc_v1_1697647045336_broker_webina=
r_(4).jpg" style=3D"width:252px;height:autopx;max-width:360px !important;bo=
rder:0px;text-align:left;" vspace=3D"0" width=3D"252">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                      </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1693606429845" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1693606429=
845" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:10px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:10px;border-top:0px =
none #00558f;border-bottom:3px solid #00558f;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1679087384039" 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<div class=3D"zpelement-wrapper zpcol-layout" id=3D"elm_1679087384039" s=
tyle=3D"word-wrap:break-word;padding-bottom:0 !important;overflow:hidden;pa=
dding:0px;margin:0px;">
=09<div class=3D"zpcolumns" elm_wid_start=3D"600" style=3D"padding:0px;marg=
in:0px;">
=09    =09 <table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"=
0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;bord=
er:0px;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-tabl=
e-rspace:0pt;width:100%;background-color:transparent;" width=3D"100%">
=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:0px none =
#ffffff;border-bottom:0px none #ffffff;" valign=3D"top">
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=09                <table cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
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ace:0pt;" width=3D"100%">
=09=09=09=09    <tbody><tr>
=09            <![endif]-->
=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
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n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
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=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
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                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1679087384035" style=3D"padding:0px;">

=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_167=
9087384087" 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:12px;padding-bottom:12px;padding-righ=
t:12px;padding-left:12px;">
=09=09=09<a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba=
647e7/1ad8f513ab9c2c3e" style=3D"text-decoration:underline;border:0px;" tar=
get=3D"_blank" zcurl_name=3D"l_8">
=09=09=09<img align=3D"left" alt=3D"https://zohopublic.com/zohocampaigns/78=
1644000177458083_1_1679087394793_zc-noimage.png" class=3D"zpImage" height=
=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stratus.campaign-image.com=
/images/781644000177458083_zc_v1_1689783741741_off_the_record_(1).jpg" styl=
e=3D"width:252px;height:autopx;max-width:360px !important;border:0px;text-a=
lign:left;" vspace=3D"0" width=3D"252">
=09=09=09</a>
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
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=09=09=09
=09=09        <!--[if (gte mso 9)|(IE)]>
=09=09=09=09=09<td style=3D"font-size:12px;font-family:Arial, Helvetica, sa=
ns-serif;border:0px;padding:0px 0px;" align=3D"left" width=3D" 54.0%" valig=
n=3D"top">
=09            <![endif]-->        =20
=09=09=09=09  <table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" cla=
ss=3D"cols" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;max-width:324.0px;width:100%;border:0px;padding:0px;border-collapse:co=
llapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;fl=
oat:left;" width=3D"100%">
=09=09=09=09<tbody><tr>
=09=09                <td class=3D"txtsize" style=3D"border-collapse:collap=
se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:0px;" valign=
=3D"top">
                                    <div class=3D"zpwrapper col-space" id=
=3D"pos_1679087384037" style=3D"padding:0px;">

          <div class=3D"zpelement-wrapper" id=3D"elm_1679087384038" 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:18pt;border-top=
:0px none #ffffff;   border-bottom:0px none #ffffff;padding-top:7px;padding=
-bottom:7px;padding-right:15px;padding-left:15px;">
             =09    =09=09<div componentborder=3D"#ffffff" componentbottomb=
ordersize=3D"0px" componentbottomborderstyle=3D"none" componentlineheight=
=3D"18pt" componenttopbordersize=3D"0px" componenttopborderstyle=3D"none" s=
tyle=3D"line-height: 18pt;"><p align=3D"center" style=3D"line-height:1.7;fo=
nt-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0=
;text-align: center; word-break: normal; overflow-wrap: normal; line-height=
: 18pt;"></p><div align=3D"center" style=3D"text-align: center;"><font colo=
r=3D"#040449" face=3D"Arial, Helvetica" style=3D"font-size: 14pt;"><b style=
>&quot;Off The Record&quot; with HomeXpress<br><br></b></font></div><font f=
ace=3D"Arial, Helvetica" style=3D"line-height: 18pt; font-size: 12pt;"><div=
 align=3D"center" style=3D"text-align: center;"><span style=3D"background-c=
olor: transparent; color: rgb(4, 4, 73);">Chat with an&nbsp;</span><span st=
yle=3D"background-color: transparent; color: rgb(4, 4, 73);">experienced

</span><span style=3D"background-color: transparent; color: rgb(4, 4, 73);"=
> HomeXpress&nbsp;</span><span style=3D"color: rgb(4, 4, 73); background-co=
lor: transparent; line-height: 18pt;"><font style=3D"line-height: 18pt;"><f=
ont style=3D"line-height: 18pt;"><font style=3D"line-height: 18pt;"><font s=
tyle=3D"line-height: 18pt;"><font style=3D"line-height: 18pt;">Mortgage <br=
>Account Executive about</font></font></font></font></font></span><span sty=
le=3D"color: rgb(4, 4, 73); background-color: transparent;">&nbsp;your next=
 <br>Non-QM or Agency scenario.&nbsp;&nbsp;</span></div></font><p style=3D"=
line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;word-break: normal; overflow-wrap: normal; line-height: =
18pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>

=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:7px;padding-right:15px;padding-left:15px;">
        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1693348776739=
" 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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: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;fon=
t-weight:bold;text-align:center;border-radius:0px;text-align:center;cursor:=
pointer;">
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=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://lt=
bc-zgph.maillist-manage.net/click/1ad8f513aba647e7/1ad8f513ab9c2c3e" style=
=3D"border-radius:0px;height:45px;v-text-anchor:middle;width:286px;" arcsiz=
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=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
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=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:14pt;font-weight:bold;">Talk Off The Record</cente=
r>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://ltbc-zgph.maill=
ist-manage.net/click/1ad8f513aba647e7/1ad8f513ab9c2c40" style=3D"padding:0p=
x 0px;background-color:#3862ce;width:286px;height:45px;font-size:14pt;direc=
tion:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration:non=
e;border-radius:0px;border:0px solid #ffffff;border-collapse:separate;displ=
ay:table;mso-hide:all;text-align:center;" target=3D"_blank" zcurl_name=3D"l=
_9">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Talk Off The Record
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
=09=09                    </div>=20
=09=09    </td></tr></tbody></table>
=09=09    <!--[if (gte mso 9)|(IE)]>
                      </td>
            <![endif]-->
=09=09 <!--[if (gte mso 9)|(IE)]>
                      </tr></tbody></table>
            <![endif]-->
=09=09</td>
=09    </tr>
=09    </tbody></table>
            </div></div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1693606423996" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1693606423=
996" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:10px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:10px;border-top:0px =
none #ffffff;border-bottom:0px none #ffffff;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1686345960789" 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=20

=09          <div class=3D"zpelement-wrapper spacebar" id=3D"elm_1686345960=
789" style=3D";word-wrap:break-word;overflow:hidden;background-color:transp=
arent;">
=09=09=09=09=09
=09=09=09=09=09 <table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"=
0" cellspacing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; m=
so-table-rspace:0pt;padding:0px;border:0px;border-collapse:collapse; mso-ta=
ble-lspace:0pt;font-size:5px; mso-table-rspace:0pt;word-break:break-word;-m=
s-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height:10px;" width=
=3D"100%">

=09                        <tbody><tr><td style=3D"border-collapse:collapse=
; mso-table-lspace:0pt;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;padding:0px;border:0px;font-size:5px;height:10px;border-top:0px =
none #ffffff;border-bottom:0px none #ffffff;">

=09                        &nbsp;&nbsp;&nbsp;

=09                        </td></tr>

=09                </tbody></table>

=09          </div>

</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1652228380022" 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                <div class=3D"zpelement-wrapper wdgts" id=3D"elm_1652228=
380022" style=3D"overflow:hidden;word-wrap:break-word;">
=09=09=09=09=09=09<table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=
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0%">
=09=09=09=09=09=09=09<tbody><tr><td style=3D"border-collapse:collapse; mso-=
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:0pt;padding:7px 15px;border:0px;font-size:5px;border-top:3px solid #1c1c75=
;border-bottom:3px solid #1c1c75;padding-top:7px;padding-bottom:7px;padding=
-right:15px;padding-left:15px;">
=09=09=09=09=09=09=09=09<table align=3D"center" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" style=3D"border-collapse:collapse;border-collapse:col=
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size=3D"3px" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-=
size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;fo=
nt-size:12px;border: none;padding: 0px;margin: 0px;" valign=3D"top"> <table=
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tborder=3D"#1c1c75" componentbottombordersize=3D"3px" componentbottomborder=
style=3D"solid" componenttopbordersize=3D"3px" componenttopborderstyle=3D"s=
olid" icontext=3D"true" index=3D"1" name=3D"zcsclwdgts_alnmnt" style=3D" ms=
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llapse;border: none;margin:auto;"><tbody><tr><td align=3D"left" style=3D"bo=
rder-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Ar=
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e;padding: 0px;margin: 0px;" valign=3D"top"> <table align=3D"center" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" name=3D"zcsclwdgtscontainer" sty=
le=3D"border-collapse:collapse;border-collapse:collapse; mso-table-lspace:0=
pt; mso-table-rspace:0pt;font-size:12px;border: none;"><tbody><tr><td align=
=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-siz=
e:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-=
size:12px;border:none;padding:0px;margin:0px;" valign=3D"top"><table align=
=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-ta=
ble-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collap=
se;border: none;"><tbody><tr><td style=3D"border-collapse:collapse; mso-tab=
le-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso=
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der:none;padding: 0px;margin: 0px;" valign=3D"top"> <table border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-=
rspace:0pt;font-size:12px;border-collapse: separate;border: none;"><tbody><=
tr><td align=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0=
pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspa=
ce:0pt;font-size:12px;padding:7px;padding-top: 0px;padding-right: 9px;paddi=
ng-bottom: 0px;padding-left: 9px;border:none;" valign=3D"middle"> <table al=
ign=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso=
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lapse;border: none;" width><tbody><tr><td align=3D"center" name=3D"sclwdgti=
mges" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12=
px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size=
:12px;border: none;padding: 0px;margin: 0px;padding-bottom: 6px;" valign=3D=
"middle"> <a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513ab=
a647e7/1ad8f513ab9c2c42" style=3D"text-decoration:underline;display: block;=
font-size: 1px;" target=3D"_blank" zcurl_name=3D"l_10"><img alt=3D"Facebook=
" height=3D"25" src=3D"https://stratus.campaign-image.com/images/7816440001=
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=3D"10" width=3D"25"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdg=
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ize:12px;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=
=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba647e7/1ad8f513ab=
9c2c44" style=3D"display: block;font-size: 1px;font-weight: normal;line-hei=
ght: normal;text-align: center;text-decoration: none;" target=3D"_blank" zc=
url_name=3D"l_11"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Ar=
ial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height=
: normal; font-family: Arial, Helvetica, sans-serif; color: rgb(27, 107, 18=
9); font-size: 8pt;">Facebook</p></a> </td></tr></tbody></table></td></tr><=
/tbody></table></td></tr></tbody></table></td><td align=3D"left" style=3D"b=
order-collapse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:A=
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e;padding:0px;margin:0px;" valign=3D"top"><table align=3D"left" border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-t=
able-rspace:0pt;font-size:12px;border-collapse: collapse;border: none;"><tb=
ody><tr><td style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-s=
ize:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;fon=
t-size:12px;padding-right: 9px;padding-bottom: 9px;border:none;padding: 0px=
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acing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;border-collapse: separate;border: none;"><tbody><tr><td align=3D"left"=
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nt-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px=
;padding:7px;padding-top: 0px;padding-right: 9px;padding-bottom: 0px;paddin=
g-left: 9px;border:none;" valign=3D"middle"> <table align=3D"left" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt; =
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target=3D"_blank" zcurl_name=3D"l_12"><img alt=3D"Twitter" height=3D"25" sr=
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/tr></tbody></table></td><td align=3D"left" style=3D"border-collapse:collap=
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ne;" valign=3D"middle"> <table align=3D"left" border=3D"0" cellpadding=3D"0=
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x;padding-bottom: 6px;" valign=3D"middle"> <a href=3D"https://ltbc-zgph.mai=
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ame=3D"l_14"><img alt=3D"LinkedIn" height=3D"25" src=3D"https://stratus.cam=
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erif; mso-table-rspace:0pt;font-size:12px;border:none;padding: 0px;margin: =
0px;" valign=3D"middle"><a href=3D"https://ltbc-zgph.maillist-manage.net/cl=
ick/1ad8f513aba647e7/1ad8f513ab9c2c4c" style=3D"display: block;font-size: 1=
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on: none;" target=3D"_blank" zcurl_name=3D"l_15"><p fntname=3D"Arial" fntsz=
e=3D"8" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pa=
dding:0px;margin: 0;line-height: normal; font-family: Arial, Helvetica, san=
s-serif; color: rgb(27, 107, 189); font-size: 8pt;">LinkedIn</p></a> </td><=
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d><td align=3D"left" style=3D"border-collapse:collapse; mso-table-lspace:0p=
t; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspac=
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se; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, sans=
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r=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-lspace:0pt;=
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> <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" st=
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llapse: collapse;border: none;" width><tbody><tr><td align=3D"center" name=
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font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border: none;padding: 0px;margin: 0px;padding-bottom: 6px=
;" valign=3D"middle"> <a href=3D"https://ltbc-zgph.maillist-manage.net/clic=
k/1ad8f513aba647e7/1ad8f513ab9c2c4e" style=3D"text-decoration:underline;dis=
play: block;font-size: 1px;" target=3D"_blank" zcurl_name=3D"l_16"><img alt=
=3D"Instagram" height=3D"25" src=3D"https://stratus.campaign-image.com/imag=
es/781644000177458083_4_1690911425176_zcsclwgtinsta1.png" style=3D"border: =
0px; margin: 0px; outline: none; text-decoration: none; width: 25px; height=
: 25px;" vspace=3D"10" width=3D"25"></a> </td></tr><tr><td align=3D"center"=
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pace:0pt;font-size:12px;border:none;padding: 0px;margin: 0px;" valign=3D"mi=
ddle"><a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba647=
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rmal;line-height: normal;text-align: center;text-decoration: none;" target=
=3D"_blank" zcurl_name=3D"l_17"><p fntname=3D"Arial" fntsze=3D"8" style=3D"=
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gb(27, 107, 189); font-size: 8pt;">Instagram</p></a> </td></tr></tbody></ta=
ble></td></tr></tbody></table></td></tr></tbody></table></td><td align=3D"l=
eft" style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12p=
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ft" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table-ls=
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ace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table=
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nt-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt=
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tom: 0px;padding-left: 9px;border:none;" valign=3D"middle"> <table align=3D=
"left" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" style=3D" mso-table=
-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border-collapse: collapse;=
border: none;" width><tbody><tr><td align=3D"center" name=3D"sclwdgtimges" =
style=3D"border-collapse:collapse; mso-table-lspace:0pt; font-size:12px;fon=
t-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;=
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e"> <a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513aba647e7=
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ize: 1px;" target=3D"_blank" zcurl_name=3D"l_18"><img alt=3D"Youtube" heigh=
t=3D"25" src=3D"https://stratus.campaign-image.com/images/78164400017745808=
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ne: none; text-decoration: none; width: 25px; height: 25px;" vspace=3D"10" =
width=3D"25"></a> </td></tr><tr><td align=3D"center" name=3D"sclwdgtcaptns"=
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nt-family:Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px=
;border:none;padding: 0px;margin: 0px;" valign=3D"middle"><a href=3D"https:=
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yle=3D"display: block;font-size: 1px;font-weight: normal;line-height: norma=
l;text-align: center;text-decoration: none;" target=3D"_blank" zcurl_name=
=3D"l_19"><p fntname=3D"Arial" fntsze=3D"8" style=3D"font-family:Arial,verd=
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-size: 8pt;">Youtube</p></a> </td></tr></tbody></table></td></tr></tbody></=
table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody=
></table></td></tr></tbody></table>=09
=09=09=09=09=09=09=09</td></tr>
=09=09=09            </tbody></table>=09
=09=09            </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1652220458823" 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_1652220458823" 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:11pt;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"11pt" style=3D"line-h=
eight: 11pt;"><p style=3D"line-height:1.7;font-family:Arial,verdana;font-si=
ze:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-height:=
 11pt;"><span style=3D"line-height: 11pt;"><font style=3D"font-size: 8pt; l=
ine-height: 11pt;">

</font></span></p><p style=3D"line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-hei=
ght: 11pt;"><font style=3D"font-size: 8pt; line-height: 11pt;"><font color=
=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: rgb(51, 51, 51); lin=
e-height: 11pt;"><font style=3D"line-height: 11pt;"><font style=3D"line-hei=
ght: 11pt;"><font style=3D"line-height: 11pt;"></font></font></font></font>=
</font></p><span style=3D"line-height: 11pt;">

<font style=3D"line-height: 11pt;"><font style=3D"line-height: 11pt;"><font=
 style=3D"line-height: 11pt;"></font></font></font><span style=3D"line-heig=
ht: 11pt;">

<p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color=
:#000000;padding:0px;margin: 0;text-align: left; line-height: 11pt;"><font =
color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); l=
ine-height: 11pt;"><font style=3D"line-height: 11pt;"><font style=3D"line-h=
eight: 11pt;"><font style=3D"line-height: 11pt;"><font style=3D"font-size: =
8pt; line-height: 11pt;">NMLS ID 1446044. Equal Housing Lender. This messag=
e is intended only for the designated recipient(s) named above and may cont=
ain confidential information. If you are not the intended recipient, you ma=
y not read, copy, distribute or use any information contained in this messa=
ge. Please advise the sender immediately by reply e-mail or by calling Home=
Xpress at (714) 598-1430 and delete this message and any attachments. In ad=
dition, the recipient should check this email and any attachments for the p=
resence of viruses.&nbsp; The sender accepts no liability for any damage ca=
used by any virus transmitted by this email. For mortgage professionals onl=
y. This information is intended for the exclusive use of licensed real esta=
te and mortgage lending professionals in accordance with local laws and reg=
ulations. Distribution to the general public is prohibited. Not an offer fo=
r the extension of credit or a commitment to lend. All loans must meet Home=
Xpress underwriting guidelines. Rates and programs are subject to change wi=
thout notice. Alabama Consumer Credit License 22481; Arkansas Mortgage Bank=
er License 113024; Arizona Mortgage Banker License 1026444; California - DF=
PI Financing Law License 60DBO81228; Colorado Mortgage Company Registration=
; Connecticut Mortgage Lender License ML-1446044; Delaware Lender License 0=
28504; District of Columbia Mortgage Lender License MLB1446044; Florida Mor=
tgage Lender License MLD1408; Georgia Mortgage Lender License/Registration =
53873;&nbsp;Hawaii Mortgage Loan Originator Company License HI-1446044;&nbs=
p;Idaho Statutory Exemption for Wholesale Lender 1446044; Illinois Resident=
ial Mortgage License MB.6761186; Indiana DFI Mortgage Lending License 36894=
;<br>Iowa Mortgage Banker License 2022-0140;&nbsp;Kansas Mortgage Company L=
icense MC.0025518; Louisiana Residential Mortgage Lending License; Maine Su=
pervised Lender License 1446044; Maryland Mortgage Lender License 1446044; =
Michigan 1st Mortgage Broker/Lender License FL0022554; Minnesota Residentia=
l Mortgage Originator License&nbsp;</font></font></font></font></font></p><=
p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 11pt;"><font c=
olor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); fo=
nt-size: 8pt; line-height: 11pt;"><font style=3D"line-height: 11pt;"><font =
style=3D"line-height: 11pt;"><font style=3D"line-height: 11pt;"><font style=
=3D"line-height: 11pt;">MN-MO-1446044; Montana Mortgage Lender License 1446=
044; Nebraska Mortgage Banker License; Nevada Mortgage Broker License 4547;=
 New Hampshire Mortgage Banker License 23194-MB; New Jersey Residential Mor=
tgage Lender License;&nbsp;<span><span>New Mexico Mortgage Loan Company Lic=
ense;</span>&nbsp;</span>North Carolina Mortgage Lender License&nbsp;</font=
></font></font></font>L-172040; Ohio RMLA Certificate of Registration RM.50=
2022.000; Oklahoma Mortgage Lender License ML014579;Oregon Mortgage Lending=
 License ML-5478; Pennsylvania Mortgage Lender License 59643; Rhode Island =
Lender License 20204005LL; South Carolina BFI Mortgage Lender / Servicer Li=
cense&nbsp;MLS-1446044; Tennessee Mortgage License 139154; Texas SML Mortga=
ge Company License; Utah DFI Residential First Mortgage Notification; Virgi=
nia Lender License MC-6728; Washington Consumer Loan Company License CL-144=
6044; Wisconsin Mortgage Banker License 1446044BA.</font></p>

</span><span style=3D"line-height: 11pt;"></span>

</span><font style=3D"line-height: 11pt;"><p style=3D"line-height:1.7;font-=
family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 8pt; t=
ext-align: left; line-height: 11pt;"><font color=3D"#333333" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(51, 51, 51); line-height: 11pt;"><font styl=
e=3D"line-height: 11pt;"><font style=3D"line-height: 11pt;"><br></font></fo=
nt></font></p><p style=3D"line-height:1.7;font-family:Arial,verdana;font-si=
ze:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-height:=
 11pt;"><font color=3D"#333333" face=3D"Arial, Helvetica" style=3D"color: r=
gb(51, 51, 51); line-height: 11pt;"><font style=3D"line-height: 11pt;"><fon=
t style=3D"line-height: 11pt; font-size: 8pt;">NMLS Consumer Access for Hom=
eXpress Mortgage Corp:&nbsp;</font></font></font></p><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;text-align: left; line-height: 11pt;"><font color=3D"#333333" face=
=3D"Arial, Helvetica" style=3D"color: rgb(51, 51, 51); line-height: 11pt;">=
<font style=3D"line-height: 11pt;"><font style=3D"line-height: 11pt; font-s=
ize: 8pt;"><a href=3D"https://ltbc-zgph.maillist-manage.net/click/1ad8f513a=
ba647e7/1ad8f513ab9c2c56" style=3D"text-decoration:underline;" zcurl_name=
=3D"l_20">https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1446044=
</a></font></font></font></p>

</font><br><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000=
000;padding:0px;margin: 0;line-height: 11pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
    </tbody></table>
</div>

=09=09=09=09=09</td>=20
=09=09=09=09=09</tr>=20
=09=09=09=09=09</tbody></table>
=09=09=09=09</td>=20
=09=09=09=09<td style=3D" mso-table-lspace:0pt; font-size:12px;font-family:=
Arial, Helvetica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0p=
x;padding:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rsp=
ace:0pt;">&nbsp;</td>
=09=09=09</tr>=20
=09=09</tbody></table>=20
</div>
</center>=20

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th:100% !important; text-align:left;}=20
=09                table[class=3Dtmplheader]{width:100% !important; max-wid=
th:100% !important; text-align:left;}=20
=09                div[class=3Dtxtsize]{text-align:left}=20
=09                td[class=3Dtxtsize]{text-align:left}
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            @media screen and (max-width: 598px)
            {
                table[class=3Dtmplfooter]{width:100% !important;max-width:1=
00% !important; text-align:left;}=20
                table[class=3Dtmplheader]{width:100% !important; max-width:=
100% !important; text-align:left;}=20
                div[class=3Dtxtsize]{text-align:left}=20
                td[class=3Dtxtsize]{text-align:left}
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        </style>

<table cellpadding=3D"0" cellspacing=3D"0" style=3D"background-color:#f7f7f=
7;color:#333;font-size:11px;border-color:#f0f0f0;border-width:1px;font-fami=
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ial;"></div>=20
=09=09<div class=3D"txtsize" style=3D"padding-top:3px;text-align:center;col=
or:#acacac;font-size:11px;font-family:Arial;">HomeXpress Mortgage Corp | 19=
36 E. Deere Avenue, Suite 200, Santa Ana, CA 92705</div>
=09=09<div class=3D"txtsize" style=3D"padding:3px;text-align:center;color:#=
acacac;font-size:11px;font-family:Arial;"></div>=09=09
=09=09<div class=3D"txtsize" style=3D"margin-top:5px;text-align:center;">  =
 </div>
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ing-left:0px;text-align:center;color:#acacac;font-size:11px;font-family:Ari=
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