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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">I pulled some stuff up from earlier listserve conversations. From Wendy Walter at McCarthy Holthus:<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Here’s a relevant statute that discusses tolling events in the statute of limitations.
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">RCW 4.16.230<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Statute tolled by judicial proceedings.</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">When the commencement of an action is stayed by injunction
<b>or a statutory prohibition</b>, the time of the continuance of the injunction or prohibition shall not be a part of the time limited for the commencement of the action.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">The foreclosure fairness act</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">, now within
RCW 61.24 et seq. <b>prohibits a beneficiary from proceeding to foreclosure right away</b> and instead requires certain due diligence, meet and confer and mediation steps to be taken in certain cases.
<b>I would argue that this is a statutory prohibition on commencement of an action</b> and thus should not count against the beneficiary if the borrower were to challenge on the SOL defense.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.5in"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Furthermore, the CFPB servicing rules, contained in 12 CFR 1024.41 similarly prohibit through federal rule the commencement of a foreclosure
action by a beneficiary in certain circumstances. Before getting a borrower’s hopes up that the SOL might help them get out of their debt, consider the huge efforts that were made at a state and federal level to provide loss mitigation to so many borrowers
in our state (and across the country). To come back and say that compliance with those efforts might prejudice the beneficiary from recovery on the debt, especially when the stakes are high and liability can be extreme for running the loss mitigation red
lights put into effect is not likely to be supported by a court if you consider RCW 4.16.230.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">But contrariwise, G. Karl Long pointed to
<u>Kirsch v. Cranberry Financial, LLC</u>, No. 69959-8-I (Dec. 23, 2013, unpublished), for the proposition that a filed and then dismissed
<u>judicial</u> foreclosure does not toll the S/L, and suggested that nonjudicial proceedings probably shouldn't be treated more favorably.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">And I think there is another case out there, published or unpublished, stating explicitly that nonjudicial proceedings do not toll the underlying S/L on the
debt. That might be pretty recent, and I might be misremembering, but that was what prompted my question.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Sincerely,<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Eric<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">1417 31st Ave South<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Seattle WA 98144-3909<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-numeric ideograph-other">
<b><span style="font-family:"Calibri","sans-serif";color:red;position:relative;top:0pt;mso-text-raise:0pt">Please Note that We Have Moved.</span></b><b><span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">
</span></b><span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">We have moved our Seattle office to Mount Baker Ridge (a small commercial community just above the I-90 tunnel).
<b>Our new address is 1417 31st Avenue South, Seattle WA 98144. </b>All other contact information remains the same.<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">
wsbarp-bounces@lists.wsbarppt.com [mailto:wsbarp-bounces@lists.wsbarppt.com] <b>
On Behalf Of </b>Craig Gourley<br>
<b>Sent:</b> Friday, August 11, 2017 11:04 AM<br>
<b>To:</b> WSBA Real Property Listserv<br>
<b>Subject:</b> Re: [WSBARP] Foreclosure question<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext">Marcus ask about that as well so I am going back to my person that did the research to see where she came up with that information.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<b><span style="font-size:14.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Gourley Law Group<o:p></o:p></span></b></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<b><span style="font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Snohomish Escrow<o:p></o:p></span></b></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<b><span style="font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">The Exchange Connection<o:p></o:p></span></b></p>
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<b><span style="font-size:14.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></b></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">1002 10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Snohomish, WA 98291<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">360.568.5065<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">360.568.8092 fax<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<u><span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:#0563C1;position:relative;top:0pt;mso-text-raise:0pt"><a href="mailto:Craig@glgmail.com">Craig@glgmail.com</a></span></u><span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext"><o:p> </o:p></span></p>
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<b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Eric Nelsen<br>
<b>Sent:</b> Friday, August 11, 2017 11:01 AM<br>
<b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>>;
<a href="mailto:cole-gilday@stanwoodlaw.net">cole-gilday@stanwoodlaw.net</a><br>
<b>Subject:</b> Re: [WSBARP] Foreclosure question<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D">Craig, you mention the S/L is tolled during a nonjudicial foreclosure--I thought case law said the opposite, that nonjudicial proceedings do
<u>not</u> toll the S/L. Am I misremembering?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
<div>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Sincerely,<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Eric<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Eric C. Nelsen<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">SAYRE LAW OFFICES, PLLC<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">1417 31st Ave South<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">Seattle WA 98144-3909<o:p></o:p></span></p>
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<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">phone 206-625-0092<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">fax 206-625-9040<o:p></o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<b><span style="font-family:"Calibri","sans-serif";color:red;position:relative;top:0pt;mso-text-raise:0pt">Please Note that We Have Moved.</span></b><b><span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">
</span></b><span style="font-family:"Calibri","sans-serif";color:#1F497D;position:relative;top:0pt;mso-text-raise:0pt">We have moved our Seattle office to Mount Baker Ridge (a small commercial community just above the I-90 tunnel).
<b>Our new address is 1417 31st Avenue South, Seattle WA 98144. </b>All other contact information remains the same.<o:p></o:p></span></p>
</div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D"><o:p> </o:p></span></p>
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<b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:10.0pt;font-family:"Tahoma","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Craig Gourley<br>
<b>Sent:</b> Friday, August 11, 2017 10:33 AM<br>
<b>To:</b> <a href="mailto:cole-gilday@stanwoodlaw.net">cole-gilday@stanwoodlaw.net</a>; WSBA Real Property Listserv<br>
<b>Subject:</b> Re: [WSBARP] Foreclosure question<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext">Gregory, Tom Hause in our office is doing one of these right now. No payments since December of 2007. Note that the statute of limitations is tolled during
any bankruptcy proceeding and during any active foreclosure. In our case the debtor was in bankruptcy for 14 months and under an active notice of trustee’s sale 8 times. The sales were never held or the action was cancelled each time. During those time periods
the statute was tolled. You need to pull the title history and look for trustee’s sales and also check with the client for any banko filings, even if they are dismissed. If you want to refer it out, give Tom a call he may be willing to take on another SOL
client. Thanks, Craig <o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext"><o:p> </o:p></span></p>
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<b><span style="font-size:14.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Gourley Law Group<o:p></o:p></span></b></p>
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<b><span style="font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Snohomish Escrow<o:p></o:p></span></b></p>
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<b><span style="font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">The Exchange Connection<o:p></o:p></span></b></p>
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<b><span style="font-size:14.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></b></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">1002 10<sup>th</sup> Street / PO Box 1091<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">Snohomish, WA 98291<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="punctuation-wrap:hanging;text-autospace:ideograph-other">
<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">360.568.5065<o:p></o:p></span></p>
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<span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">360.568.8092 fax<o:p></o:p></span></p>
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<u><span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:#0563C1;position:relative;top:0pt;mso-text-raise:0pt"><a href="mailto:Craig@glgmail.com">Craig@glgmail.com</a></span></u><span style="font-size:10.0pt;font-family:"Arial Rounded MT Bold","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt"><o:p></o:p></span></p>
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<b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri","sans-serif";color:windowtext;position:relative;top:0pt;mso-text-raise:0pt">
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a> [<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">mailto:wsbarp-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Gregory L. Gilday<br>
<b>Sent:</b> Friday, August 11, 2017 9:57 AM<br>
<b>To:</b> WSBA RPPT Real Property Discussion Forum <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBARP] Foreclosure question<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">I have a friend who has a deed of trust foreclosure sale scheduled two weeks from now in Island County. He has not made a payment in nine (9) years, and he says he has signed nothing with the lender in that 9 year period. I am thinking
the statute of limitations will be his friend. Comments and referrals (including self) are solicited.
<br>
<br>
Thank you in advance. <span style="font-size:11.0pt"><o:p></o:p></span></p>
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-- <span style="font-size:11.0pt;font-family:"Calibri","sans-serif";position:relative;top:0pt;mso-text-raise:0pt">
<o:p></o:p></span></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">Very Truly Yours,<o:p></o:p></p>
<p class="MsoNormal">Gregory L. Gilday <o:p></o:p></p>
<p class="MsoNormal">Law Office of Cole & Gilday, P.C. <o:p></o:p></p>
<p class="MsoNormal"><i> </i><o:p></o:p></p>
<p class="MsoNormal">10101 - 270th St. NW <o:p></o:p></p>
<p class="MsoNormal">Stanwood, WA 98292 <o:p></o:p></p>
<p class="MsoNormal">(360) 629-2900 (Telephone) <o:p></o:p></p>
<p class="MsoNormal">(360) 629-0220 (Fax) <o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
<p class="MsoNormal">This message contains confidential and privileged information that is intended only for the named recipient(s). Unless you are the named recipient or authorized agent thereof, you are prohibited from reading, copying, distributing or otherwise
disseminating such information. If you receive this communication in error, please notify the sender immediately.<o:p></o:p></p>
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