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<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>HB<st1:MyPeople w:st="on"> </st1:MyPeople>145<st1:MyPeople
w:st="on"> </st1:MyPeople>should<st1:MyPeople w:st="on"> </st1:MyPeople>really<st1:MyPeople
w:st="on"> </st1:MyPeople>be<st1:MyPeople w:st="on"> </st1:MyPeople>applicable<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople
w:st="on"> </st1:MyPeople>both<st1:MyPeople w:st="on"> </st1:MyPeople>banks<st1:MyPeople
w:st="on"> </st1:MyPeople>and<st1:MyPeople w:st="on"> </st1:MyPeople>firms<st1:MyPeople
w:st="on"> </st1:MyPeople>given<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>hat<st1:MyPeople w:st="on"> </st1:MyPeople>banks<st1:MyPeople
w:st="on"> </st1:MyPeople>are<st1:MyPeople w:st="on"> </st1:MyPeople>generally<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>ones<st1:MyPeople w:st="on"> </st1:MyPeople>who<st1:MyPeople
w:st="on"> </st1:MyPeople>re-take<st1:MyPeople w:st="on"> </st1:MyPeople>“possession”<st1:MyPeople
w:st="on"> </st1:MyPeople>of<st1:MyPeople w:st="on"> </st1:MyPeople>property.<st1:MyPeople
w:st="on"> </st1:MyPeople> I<st1:MyPeople w:st="on"> </st1:MyPeople>doubt<st1:MyPeople
w:st="on"> </st1:MyPeople>law<st1:MyPeople w:st="on"> </st1:MyPeople>firms<st1:MyPeople
w:st="on"> </st1:MyPeople>are<st1:MyPeople w:st="on"> </st1:MyPeople>actually<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hemselves<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>aking<st1:MyPeople
w:st="on"> </st1:MyPeople>possession<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>hiring<st1:MyPeople w:st="on"> </st1:MyPeople>agents<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople
w:st="on"> </st1:MyPeople>do<st1:MyPeople w:st="on"> </st1:MyPeople>so.<st1:MyPeople
w:st="on"> </st1:MyPeople> Further,<st1:MyPeople w:st="on"> </st1:MyPeople>while<st1:MyPeople
w:st="on"> </st1:MyPeople>it<st1:MyPeople w:st="on"> </st1:MyPeople>may<st1:MyPeople
w:st="on"> </st1:MyPeople>arguably<st1:MyPeople w:st="on"> </st1:MyPeople>be<st1:MyPeople
w:st="on"> </st1:MyPeople>appropriate<st1:MyPeople w:st="on"> </st1:MyPeople>for<st1:MyPeople
w:st="on"> </st1:MyPeople>a<st1:MyPeople w:st="on"> </st1:MyPeople>bank<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>ake<st1:MyPeople
w:st="on"> </st1:MyPeople>possession<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"> </st1:MyPeople>an<st1:MyPeople w:st="on"> </st1:MyPeople>abandoned<st1:MyPeople
w:st="on"> </st1:MyPeople>property<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"> </st1:MyPeople>very<st1:MyPeople w:st="on"> </st1:MyPeople>special<st1:MyPeople
w:st="on"> </st1:MyPeople>circumstances<st1:MyPeople w:st="on"> </st1:MyPeople>before<st1:MyPeople
w:st="on"> </st1:MyPeople>judicial<st1:MyPeople w:st="on"> </st1:MyPeople>approval,<st1:MyPeople
w:st="on"> </st1:MyPeople>it<st1:MyPeople w:st="on"> </st1:MyPeople>should<st1:MyPeople
w:st="on"> </st1:MyPeople>not<st1:MyPeople w:st="on"> </st1:MyPeople>just<st1:MyPeople
w:st="on"> </st1:MyPeople>be<st1:MyPeople w:st="on"> </st1:MyPeople>after<st1:MyPeople
w:st="on"> </st1:MyPeople>30<st1:MyPeople w:st="on"> </st1:MyPeople>days<st1:MyPeople
w:st="on"> </st1:MyPeople>of<st1:MyPeople w:st="on"> </st1:MyPeople>abandonment.<st1:MyPeople
w:st="on"> </st1:MyPeople> What<st1:MyPeople w:st="on"> </st1:MyPeople>does<st1:MyPeople
w:st="on"> </st1:MyPeople>abandonment<st1:MyPeople w:st="on"> </st1:MyPeople>mean?<st1:MyPeople
w:st="on"> </st1:MyPeople> Must<st1:MyPeople w:st="on"> </st1:MyPeople>notice<st1:MyPeople
w:st="on"> </st1:MyPeople>be<st1:MyPeople w:st="on"> </st1:MyPeople>given?<st1:MyPeople
w:st="on"> </st1:MyPeople> What<st1:MyPeople w:st="on"> </st1:MyPeople>proof<st1:MyPeople
w:st="on"> </st1:MyPeople>of<st1:MyPeople w:st="on"> </st1:MyPeople>abandonment<st1:MyPeople
w:st="on"> </st1:MyPeople>must<st1:MyPeople w:st="on"> </st1:MyPeople>exist?<st1:MyPeople
w:st="on"> </st1:MyPeople> <st1:MyPeople w:st="on"> </st1:MyPeople> <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Current<st1:MyPeople w:st="on"> </st1:MyPeople>common<st1:MyPeople
w:st="on"> </st1:MyPeople>law<st1:MyPeople w:st="on"> </st1:MyPeople>indicates<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hat<st1:MyPeople
w:st="on"> </st1:MyPeople>even<st1:MyPeople w:st="on"> </st1:MyPeople>upon<st1:MyPeople
w:st="on"> </st1:MyPeople>entry<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"> </st1:MyPeople>a<st1:MyPeople w:st="on"> </st1:MyPeople>foreclosure<st1:MyPeople
w:st="on"> </st1:MyPeople>judgment,<st1:MyPeople w:st="on"> </st1:MyPeople>ownership<st1:MyPeople
w:st="on"> </st1:MyPeople>of<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>property<st1:MyPeople w:st="on"> </st1:MyPeople>remains<st1:MyPeople
w:st="on"> </st1:MyPeople>vested<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>property<st1:MyPeople w:st="on"> </st1:MyPeople>owner<st1:MyPeople
w:st="on"> </st1:MyPeople>until<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople w:st="on"> </st1:MyPeople>certificate<st1:MyPeople
w:st="on"> </st1:MyPeople>of<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>itle<st1:MyPeople
w:st="on"> </st1:MyPeople>is<st1:MyPeople w:st="on"> </st1:MyPeople>issued.<st1:MyPeople
w:st="on"> </st1:MyPeople> For<st1:MyPeople w:st="on"> </st1:MyPeople>consistency<st1:MyPeople
w:st="on"> </st1:MyPeople>purposes<st1:MyPeople w:st="on"> </st1:MyPeople>lenders<st1:MyPeople
w:st="on"> </st1:MyPeople>should<st1:MyPeople w:st="on"> </st1:MyPeople>not<st1:MyPeople
w:st="on"> </st1:MyPeople>be<st1:MyPeople w:st="on"> </st1:MyPeople>permitted<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>ake<st1:MyPeople
w:st="on"> </st1:MyPeople>possession<st1:MyPeople w:st="on"> </st1:MyPeople>pre-judgment<st1:MyPeople
w:st="on"> </st1:MyPeople>without<st1:MyPeople w:st="on"> </st1:MyPeople>judicial<st1:MyPeople
w:st="on"> </st1:MyPeople>approval<st1:MyPeople w:st="on"> </st1:MyPeople>(i.e.<st1:MyPeople
w:st="on"> </st1:MyPeople>due<st1:MyPeople w:st="on"> </st1:MyPeople>process)<st1:MyPeople
w:st="on"> </st1:MyPeople>except<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>most<st1:MyPeople w:st="on"> </st1:MyPeople>unusual<st1:MyPeople
w:st="on"> </st1:MyPeople>circumstances.<st1:MyPeople w:st="on"> </st1:MyPeople> <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>When<st1:MyPeople w:st="on"> </st1:MyPeople>lenders<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>ake<st1:MyPeople
w:st="on"> </st1:MyPeople>possession<st1:MyPeople w:st="on"> </st1:MyPeople>on<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hese<st1:MyPeople
w:st="on"> </st1:MyPeople>residential<st1:MyPeople w:st="on"> </st1:MyPeople>foreclosures,<st1:MyPeople
w:st="on"> </st1:MyPeople>many<st1:MyPeople w:st="on"> </st1:MyPeople>drill<st1:MyPeople
w:st="on"> </st1:MyPeople>out<st1:MyPeople w:st="on"> </st1:MyPeople>existing<st1:MyPeople
w:st="on"> </st1:MyPeople>locks,<st1:MyPeople w:st="on"> </st1:MyPeople>break<st1:MyPeople
w:st="on"> </st1:MyPeople>gate<st1:MyPeople w:st="on"> </st1:MyPeople>access<st1:MyPeople
w:st="on"> </st1:MyPeople>and<st1:MyPeople w:st="on"> </st1:MyPeople>set<st1:MyPeople
w:st="on"> </st1:MyPeople>new<st1:MyPeople w:st="on"> </st1:MyPeople>lock<st1:MyPeople
w:st="on"> </st1:MyPeople>mechanisms,<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>even<st1:MyPeople w:st="on"> </st1:MyPeople>build<st1:MyPeople
w:st="on"> </st1:MyPeople>large<st1:MyPeople w:st="on"> </st1:MyPeople>wooden<st1:MyPeople
w:st="on"> </st1:MyPeople>cages<st1:MyPeople w:st="on"> </st1:MyPeople>over<st1:MyPeople
w:st="on"> </st1:MyPeople>pools<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>other<st1:MyPeople w:st="on"> </st1:MyPeople>features.<st1:MyPeople
w:st="on"> </st1:MyPeople><st1:MyPeople w:st="on"> T</st1:MyPeople>hese<st1:MyPeople
w:st="on"> </st1:MyPeople>actions<st1:MyPeople w:st="on"> </st1:MyPeople>damage<st1:MyPeople
w:st="on"> </st1:MyPeople>and<st1:MyPeople w:st="on"> </st1:MyPeople>diminish<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>value<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>property<st1:MyPeople w:st="on"> </st1:MyPeople>owned<st1:MyPeople
w:st="on"> </st1:MyPeople>by<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>property<st1:MyPeople w:st="on"> </st1:MyPeople>owner.<st1:MyPeople
w:st="on"> </st1:MyPeople><st1:MyPeople w:st="on"> T</st1:MyPeople>hey<st1:MyPeople
w:st="on"> </st1:MyPeople>also<st1:MyPeople w:st="on"> </st1:MyPeople>interfere<st1:MyPeople
w:st="on"> </st1:MyPeople>with<st1:MyPeople w:st="on"> </st1:MyPeople>existing<st1:MyPeople
w:st="on"> </st1:MyPeople>contracts<st1:MyPeople w:st="on"> </st1:MyPeople>for<st1:MyPeople
w:st="on"> </st1:MyPeople>sale<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>brokerage<st1:MyPeople w:st="on"> </st1:MyPeople>efforts<st1:MyPeople
w:st="on"> </st1:MyPeople>because<st1:MyPeople w:st="on"> </st1:MyPeople>access<st1:MyPeople
w:st="on"> </st1:MyPeople>has<st1:MyPeople w:st="on"> </st1:MyPeople>been<st1:MyPeople
w:st="on"> </st1:MyPeople>changed.<st1:MyPeople w:st="on"> </st1:MyPeople> Further,<st1:MyPeople
w:st="on"> </st1:MyPeople>many<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"> </st1:MyPeople>our<st1:MyPeople w:st="on"> </st1:MyPeople>clients<st1:MyPeople
w:st="on"> </st1:MyPeople>have<st1:MyPeople w:st="on"> </st1:MyPeople>had<st1:MyPeople
w:st="on"> </st1:MyPeople>personal<st1:MyPeople w:st="on"> </st1:MyPeople>property<st1:MyPeople
w:st="on"> </st1:MyPeople>stolen<st1:MyPeople w:st="on"> </st1:MyPeople>from<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>heir<st1:MyPeople
w:st="on"> </st1:MyPeople>homes<st1:MyPeople w:st="on"> </st1:MyPeople>by<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hose<st1:MyPeople
w:st="on"> </st1:MyPeople>anonymous<st1:MyPeople w:st="on"> </st1:MyPeople>bank<st1:MyPeople
w:st="on"> </st1:MyPeople>or<st1:MyPeople w:st="on"> </st1:MyPeople>law<st1:MyPeople
w:st="on"> </st1:MyPeople>firm<st1:MyPeople w:st="on"> </st1:MyPeople>representatives<st1:MyPeople
w:st="on"> </st1:MyPeople>or<st1:MyPeople w:st="on"> </st1:MyPeople>agents<st1:MyPeople
w:st="on"> </st1:MyPeople>who<st1:MyPeople w:st="on"> </st1:MyPeople>enter<st1:MyPeople
w:st="on"> </st1:MyPeople>without<st1:MyPeople w:st="on"> </st1:MyPeople>notice.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>I<st1:MyPeople w:st="on"> </st1:MyPeople>really<st1:MyPeople
w:st="on"> </st1:MyPeople>do<st1:MyPeople w:st="on"> </st1:MyPeople>not<st1:MyPeople
w:st="on"> </st1:MyPeople>believe<st1:MyPeople w:st="on"> </st1:MyPeople>it<st1:MyPeople
w:st="on"> </st1:MyPeople>appropriate<st1:MyPeople w:st="on"> </st1:MyPeople>for<st1:MyPeople
w:st="on"> </st1:MyPeople>a<st1:MyPeople w:st="on"> </st1:MyPeople>lender<st1:MyPeople
w:st="on"> </st1:MyPeople>or<st1:MyPeople w:st="on"> </st1:MyPeople>law<st1:MyPeople
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<p class=MsoNormal style='mso-element:frame'><b><font size=2 color=navy
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w:st="on"> </st1:MyPeople>R.<st1:MyPeople w:st="on"> </st1:MyPeople>Zinzow<st1:MyPeople
w:st="on"> </st1:MyPeople>|<st1:MyPeople w:st="on"> </st1:MyPeople>Zinzow<st1:MyPeople
w:st="on"> </st1:MyPeople>Law</span></font></b><b><font size=3 color=navy><span
style='font-size:12.0pt;color:navy;font-weight:bold'><o:p></o:p></span></font></b></p>
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w:st="on">d<st1:MyPeople w:st="on"> </st1:MyPeople></st1:MyPeople>Construction<st1:MyPeople
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w:st="on"><font color=navy><span style='color:navy'> </span></font></st1:MyPeople><font
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w:st="on"> </st1:MyPeople><a
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w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople w:st="on"> </st1:MyPeople>e-mail<st1:MyPeople
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w:st="on"> </st1:MyPeople>message.<st1:MyPeople w:st="on"> </st1:MyPeople>Please<st1:MyPeople
w:st="on"> </st1:MyPeople>note<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hat<st1:MyPeople
w:st="on"> </st1:MyPeople>if<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>e-mail<st1:MyPeople w:st="on"> </st1:MyPeople>message<st1:MyPeople
w:st="on"> </st1:MyPeople>contains<st1:MyPeople w:st="on"> </st1:MyPeople>a<st1:MyPeople
w:st="on"> </st1:MyPeople>forwarde<st1:MyPeople w:st="on">d<st1:MyPeople w:st="on">
</st1:MyPeople></st1:MyPeople>message<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>is<st1:MyPeople w:st="on"> </st1:MyPeople>a<st1:MyPeople
w:st="on"> </st1:MyPeople>reply<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>a<st1:MyPeople
w:st="on"> </st1:MyPeople>prior<st1:MyPeople w:st="on"> </st1:MyPeople>message,<st1:MyPeople
w:st="on"> </st1:MyPeople>some<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>all<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>contents<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>message<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>any<st1:MyPeople w:st="on"> </st1:MyPeople>attachments<st1:MyPeople
w:st="on"> </st1:MyPeople>may<st1:MyPeople w:st="on"> </st1:MyPeople>not<st1:MyPeople
w:st="on"> </st1:MyPeople>have<st1:MyPeople w:st="on"> </st1:MyPeople>been<st1:MyPeople
w:st="on"> </st1:MyPeople>produce<st1:MyPeople w:st="on">d<st1:MyPeople w:st="on">
</st1:MyPeople></st1:MyPeople>by<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople w:st="on"> </st1:MyPeople>sender. <st1:MyPeople
w:st="on"> </st1:MyPeople></span></font><font color=navy face=Times><span
style='font-family:Times;color:navy'>Disclaimer<st1:MyPeople w:st="on"> </st1:MyPeople>under<st1:MyPeople
w:st="on"> </st1:MyPeople>Circular<st1:MyPeople w:st="on"> </st1:MyPeople>230:<st1:MyPeople
w:st="on"> </st1:MyPeople>Any<st1:MyPeople w:st="on"> </st1:MyPeople>statements<st1:MyPeople
w:st="on"> </st1:MyPeople>regarding<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>ax<st1:MyPeople w:st="on"> </st1:MyPeople>matters<st1:MyPeople
w:st="on"> </st1:MyPeople>made<st1:MyPeople w:st="on"> </st1:MyPeople>herein,<st1:MyPeople
w:st="on"> </st1:MyPeople>including<st1:MyPeople w:st="on"> </st1:MyPeople>any<st1:MyPeople
w:st="on"> </st1:MyPeople>attachments,<st1:MyPeople w:st="on"> </st1:MyPeople>are<st1:MyPeople
w:st="on"> </st1:MyPeople>not<st1:MyPeople w:st="on"> </st1:MyPeople>formal<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>ax<st1:MyPeople
w:st="on"> </st1:MyPeople>opinions<st1:MyPeople w:st="on"> </st1:MyPeople>by<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>firm,<st1:MyPeople w:st="on"> </st1:MyPeople>cannot<st1:MyPeople
w:st="on"> </st1:MyPeople>be<st1:MyPeople w:st="on"> </st1:MyPeople>relied<st1:MyPeople
w:st="on"> </st1:MyPeople>upon<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>used<st1:MyPeople w:st="on"> </st1:MyPeople>by<st1:MyPeople
w:st="on"> </st1:MyPeople>any<st1:MyPeople w:st="on"> </st1:MyPeople>person<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople
w:st="on"> </st1:MyPeople>avoid<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>ax<st1:MyPeople w:st="on"> </st1:MyPeople>penalties,<st1:MyPeople
w:st="on"> </st1:MyPeople>are<st1:MyPeople w:st="on"> </st1:MyPeople>not<st1:MyPeople
w:st="on"> </st1:MyPeople>intended<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>be<st1:MyPeople
w:st="on"> </st1:MyPeople>advice<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>avoid<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>ax<st1:MyPeople
w:st="on"> </st1:MyPeople>laws<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>penalties,<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>are<st1:MyPeople w:st="on"> </st1:MyPeople>not<st1:MyPeople
w:st="on"> </st1:MyPeople>intended<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>be<st1:MyPeople
w:st="on"> </st1:MyPeople>used<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>referred<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"> </st1:MyPeople>any<st1:MyPeople w:st="on"> </st1:MyPeople>marketing<st1:MyPeople
w:st="on"> </st1:MyPeople>or<st1:MyPeople w:st="on"> </st1:MyPeople>promotional<st1:MyPeople
w:st="on"> </st1:MyPeople>materials.</span></font><font color=navy><span
style='color:navy'><o:p></o:p></span></font></p>
</div>
<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p> </o:p></span></font></p>
<div>
<div class=MsoNormal align=center style='text-align:center'><font size=3
face="Times New Roman"><span style='font-size:12.0pt;font-family:"Times New Roman"'>
<hr size=2 width="100%" align=center tabindex=-1>
</span></font></div>
<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><st1:MyPeople
w:st="on"><font size=2 face=Tahoma><span style='font-size:10.0pt;font-family:
Tahoma'> </span></font></st1:MyPeople><font size=2 face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'>constructionlaw-bounces@lists.flabarrpptl.org<st1:MyPeople
w:st="on"> </st1:MyPeople>[mailto:constructionlaw-bounces@lists.flabarrpptl.org]<st1:MyPeople
w:st="on"> </st1:MyPeople><b><span style='font-weight:bold'>On<st1:MyPeople
w:st="on"> </st1:MyPeople>Behalf<st1:MyPeople w:st="on"> </st1:MyPeople>Of<st1:MyPeople
w:st="on"> </st1:MyPeople></span></b>Reese<st1:MyPeople w:st="on"> </st1:MyPeople>J.<st1:MyPeople
w:st="on"> </st1:MyPeople>Henderson,<st1:MyPeople w:st="on"> </st1:MyPeople>Jr.<br>
<b><span style='font-weight:bold'>Sent:</span></b><st1:MyPeople w:st="on"> </st1:MyPeople>Friday,<st1:MyPeople
w:st="on"> </st1:MyPeople>October<st1:MyPeople w:st="on"> </st1:MyPeople>07,<st1:MyPeople
w:st="on"> </st1:MyPeople>2011<st1:MyPeople w:st="on"> </st1:MyPeople>10:45<st1:MyPeople
w:st="on"> </st1:MyPeople>AM<br>
<b><span style='font-weight:bold'>To:</span></b><st1:MyPeople w:st="on"> </st1:MyPeople>RPPTL<st1:MyPeople
w:st="on"> </st1:MyPeople>constructionlaw<br>
<b><span style='font-weight:bold'>Subject:</span></b><st1:MyPeople w:st="on"> </st1:MyPeople>[RPPTL-constructionlaw]<st1:MyPeople
w:st="on"> </st1:MyPeople>Foreclosure-Related<st1:MyPeople w:st="on"> </st1:MyPeople>Bills<st1:MyPeople
w:st="on"> </st1:MyPeople>Filed</span></font><font size=3 face="Times New Roman"><span
style='font-size:12.0pt;font-family:"Times New Roman"'><o:p></o:p></span></font></p>
</div>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'>CLC<st1:MyPeople
w:st="on"> </st1:MyPeople>Members,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'>We<st1:MyPeople
w:st="on"> </st1:MyPeople>have<st1:MyPeople w:st="on"> </st1:MyPeople>been<st1:MyPeople
w:st="on"> </st1:MyPeople>asked<st1:MyPeople w:st="on"> </st1:MyPeople>by<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>RPPTL<st1:MyPeople w:st="on"> </st1:MyPeople>Section<st1:MyPeople
w:st="on"> </st1:MyPeople>leadership<st1:MyPeople w:st="on"><st1:MyPeople
w:st="on"> </st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"> </st1:MyPeople>provide<st1:MyPeople
w:st="on"> </st1:MyPeople>comments<st1:MyPeople w:st="on"> </st1:MyPeople>on<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>attached<st1:MyPeople w:st="on"> </st1:MyPeople>proposed<st1:MyPeople
w:st="on"> </st1:MyPeople>legislation,<st1:MyPeople w:st="on"> </st1:MyPeople>if<st1:MyPeople
w:st="on"> </st1:MyPeople>we<st1:MyPeople w:st="on"> </st1:MyPeople>have<st1:MyPeople
w:st="on"> </st1:MyPeople>any. <st1:MyPeople w:st="on"> </st1:MyPeople>Please<st1:MyPeople
w:st="on"> </st1:MyPeople>let<st1:MyPeople w:st="on"> </st1:MyPeople>me<st1:MyPeople
w:st="on"> </st1:MyPeople>have<st1:MyPeople w:st="on"> </st1:MyPeople>your<st1:MyPeople
w:st="on"> </st1:MyPeople>comments<st1:MyPeople w:st="on"> </st1:MyPeople>no<st1:MyPeople
w:st="on"> </st1:MyPeople>later<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>han<st1:MyPeople w:st="on"> </st1:MyPeople>next<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople><b><span style='font-weight:
bold'>T</span></b></st1:MyPeople><b><span style='font-weight:bold'>hursday,<st1:MyPeople
w:st="on"> </st1:MyPeople>October<st1:MyPeople w:st="on"> </st1:MyPeople>13</span></b>,<st1:MyPeople
w:st="on"> </st1:MyPeople>so<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hat<st1:MyPeople
w:st="on"> </st1:MyPeople>I<st1:MyPeople w:st="on"> </st1:MyPeople>can<st1:MyPeople
w:st="on"> </st1:MyPeople>incorporate<st1:MyPeople w:st="on"><st1:MyPeople
w:st="on"> </st1:MyPeople>t</st1:MyPeople>hem<st1:MyPeople w:st="on"> </st1:MyPeople>into<st1:MyPeople
w:st="on"> </st1:MyPeople>a<st1:MyPeople w:st="on"> </st1:MyPeople>consolidated<st1:MyPeople
w:st="on"> </st1:MyPeople>response.<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'>Thanks,<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'>Reese<o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'><o:p> </o:p></span></font></p>
<p class=MsoNormal><font size=2 face=Calibri><span style='font-size:11.0pt'><o:p> </o:p></span></font></p>
<div style='border:none;border-left:solid black 1.0pt;padding:0in 0in 0in 0in'>
<div style='border:none;border-bottom:solid black 1.0pt;padding:0in 0in 4.0pt 0in'>
<p style='margin:0in;margin-bottom:.0001pt'><strong><b><font size=3
face="Times New Roman"><span style='font-size:12.0pt'>Reese<st1:MyPeople w:st="on">
</st1:MyPeople>J.<st1:MyPeople w:st="on"> </st1:MyPeople>Henderson,<st1:MyPeople
w:st="on"> </st1:MyPeople>Jr.</span></font></b></strong><font size=1><span
style='font-size:9.0pt'><o:p></o:p></span></font></p>
<p style='margin:0in;margin-bottom:.0001pt'><font size=1 face="Times New Roman"><span
style='font-size:9.0pt'>Board<st1:MyPeople w:st="on"> </st1:MyPeople>Certified<st1:MyPeople
w:st="on"> </st1:MyPeople>Construction<st1:MyPeople w:st="on"> </st1:MyPeople>Attorney<st1:MyPeople
w:st="on"> </st1:MyPeople><o:p></o:p></span></font></p>
</div>
<table class=MsoNormalTable border=0 cellspacing=5 cellpadding=0>
<tr>
<td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'>
<p><font size=3 face="Times New Roman"><span style='font-size:12.0pt'><img
border=0 width=331 height=78 id="_x0000_i1025"
src="cid:image005.jpg@01CC84E9.BB960800"><o:p></o:p></span></font></p>
<p><font size=1 face="Times New Roman"><span style='font-size:9.0pt'>707<st1:MyPeople
w:st="on"> </st1:MyPeople>Peninsular<st1:MyPeople w:st="on"> </st1:MyPeople>Place<br>
<st2:place w:st="on"><st2:City w:st="on">Jacksonville</st2:City>,<st1:MyPeople
w:st="on"> </st1:MyPeople><st2:State w:st="on">Florida</st2:State><st1:MyPeople
w:st="on"> </st1:MyPeople><st2:PostalCode w:st="on">32204</st2:PostalCode></st2:place><br>
<br>
Phone<st1:MyPeople w:st="on"> </st1:MyPeople>(904)<st1:MyPeople w:st="on"> </st1:MyPeople>354-5200<br>
Facsimile<st1:MyPeople w:st="on"> </st1:MyPeople>(904)<st1:MyPeople w:st="on">
</st1:MyPeople>354-5256<br>
<a href="mailto:%5Be-mail%5D">Reese.Henderson@tritthenderson.com </a><br>
<a href="http://www.tritthenderson.com/">www.tritthenderson.com</a></span></font><o:p></o:p></p>
</td>
<td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'>
<p align=center style='text-align:center'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'> <img border=0 width=94 height=123
id="_x0000_i1026" src="cid:image006.jpg@01CC84E9.BB960800"><o:p></o:p></span></font></p>
</td>
</tr>
</table>
<p style='margin:0in;margin-bottom:.0001pt'><font size=1 face="Times New Roman"><span
style='font-size:9.0pt'> <o:p></o:p></span></font></p>
</div>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt;font-family:"Times New Roman"'><o:p> </o:p></span></font></p>
<p style='margin:0in;margin-bottom:.0001pt'><font size=1 face="Times New Roman"><span
style='font-size:9.0pt'>CONFIDENTIALITY<st1:MyPeople w:st="on"> </st1:MyPeople>NOTICE:<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>T</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>information<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>all<st1:MyPeople w:st="on"> </st1:MyPeople>attachments<st1:MyPeople
w:st="on"> </st1:MyPeople>contained<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>electronic<st1:MyPeople w:st="on"> </st1:MyPeople>communication<st1:MyPeople
w:st="on"> </st1:MyPeople>are<st1:MyPeople w:st="on"> </st1:MyPeople>legally<st1:MyPeople
w:st="on"> </st1:MyPeople>privileged<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>confidential<st1:MyPeople w:st="on"> </st1:MyPeople>information,<st1:MyPeople
w:st="on"> </st1:MyPeople>subject<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>o<st1:MyPeople w:st="on"><st1:MyPeople w:st="on">
</st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople w:st="on"> </st1:MyPeople>attorney-client<st1:MyPeople
w:st="on"> </st1:MyPeople>privilege<st1:MyPeople w:st="on"> </st1:MyPeople>and<st1:MyPeople
w:st="on"> </st1:MyPeople>intended<st1:MyPeople w:st="on"> </st1:MyPeople>only<st1:MyPeople
w:st="on"> </st1:MyPeople>for<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>use<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"> </st1:MyPeople>intended<st1:MyPeople w:st="on"> </st1:MyPeople>recipients.<st1:MyPeople
w:st="on"> </st1:MyPeople>If<st1:MyPeople w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>he<st1:MyPeople
w:st="on"> </st1:MyPeople>reader<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>message<st1:MyPeople w:st="on"> </st1:MyPeople>is<st1:MyPeople
w:st="on"> </st1:MyPeople>not<st1:MyPeople w:st="on"> </st1:MyPeople>an<st1:MyPeople
w:st="on"> </st1:MyPeople>intended<st1:MyPeople w:st="on"> </st1:MyPeople>recipient,<st1:MyPeople
w:st="on"> </st1:MyPeople>you<st1:MyPeople w:st="on"> </st1:MyPeople>are<st1:MyPeople
w:st="on"> </st1:MyPeople>hereby<st1:MyPeople w:st="on"> </st1:MyPeople>notified<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>hat<st1:MyPeople
w:st="on"> </st1:MyPeople>any<st1:MyPeople w:st="on"> </st1:MyPeople>review,<st1:MyPeople
w:st="on"> </st1:MyPeople>use,<st1:MyPeople w:st="on"> </st1:MyPeople>dissemination,<st1:MyPeople
w:st="on"> </st1:MyPeople>distribution<st1:MyPeople w:st="on"> </st1:MyPeople>or<st1:MyPeople
w:st="on"> </st1:MyPeople>copying<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>communication<st1:MyPeople w:st="on"> </st1:MyPeople>is<st1:MyPeople
w:st="on"> </st1:MyPeople>strictly<st1:MyPeople w:st="on"> </st1:MyPeople>prohibited.<st1:MyPeople
w:st="on"> </st1:MyPeople>If<st1:MyPeople w:st="on"> </st1:MyPeople>you<st1:MyPeople
w:st="on"> </st1:MyPeople>have<st1:MyPeople w:st="on"> </st1:MyPeople>received<st1:MyPeople
w:st="on"><st1:MyPeople w:st="on"> </st1:MyPeople>t</st1:MyPeople>his<st1:MyPeople
w:st="on"> </st1:MyPeople>communication<st1:MyPeople w:st="on"> </st1:MyPeople>in<st1:MyPeople
w:st="on"> </st1:MyPeople>error,<st1:MyPeople w:st="on"> </st1:MyPeople>please<st1:MyPeople
w:st="on"> </st1:MyPeople>notify<st1:MyPeople w:st="on"> </st1:MyPeople>us<st1:MyPeople
w:st="on"> </st1:MyPeople>immediately<st1:MyPeople w:st="on"> </st1:MyPeople>of<st1:MyPeople
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12.0pt;font-family:"Times New Roman"'><o:p> </o:p></span></font></p>
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