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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Dwight:<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">You say below:<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">WA law [<a href="https://nam02.safelinks.protection.outlook.com/?url=http%3A%2F%2Fapp.leg.wa.gov%2FRCW%2Fdefault.aspx%3Fcite%3D65.08.030&data=02%7C01%7C%7C2d99036b2f9d49dfad8d08d568f61ae8%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636530328806118580&sdata=9z9WEaThplQMnKySHJHrh9FaYu7neLaXX5RJ11zpUoU%3D&reserved=0">65.08.030</a>]
says a defective acknowledgement certificate does not invalidate the document and it still constitutes notice to a third party of the conveyance. However, note that WA law does waive the requirement for an acknowledgement.<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">Is your statement based solely on the statute? Or is there case law on this? What are the circumstances under
which you can get away with an unacknowledged deed?<o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D">Rod Harmon</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold"> </span></font></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="4" color="#1f497d" face="Arial"><span style="font-size:13.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold">RODNEY T. HARMON</span></font></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><b><font size="2" color="#1f497d" face="Arial"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#1F497D;font-weight:bold"> Attorney at Law</span></font></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> P.O. Box 1066</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Bothell, WA 98041</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Tel: (425) 402-7800</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> Fax: (425) 458-9096</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a href="http://www.rodharmon.com"><font color="#0563c1"><span style="color:#0563C1">www.rodharmon.com</span></font></a></span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Arial"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:#1F497D"> <a href="mailto:rodharmon@msn.com"><font color="#0563c1"><span style="color:#0563C1">rodharmon@msn.com</span></font></a></span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
<p class="MsoNormal" style="margin-top:6.0pt"><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></font></p>
<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;font-weight:bold">From:</span></font></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbarp-bounces@lists.wsbarppt.com
[mailto:wsbarp-bounces@lists.wsbarppt.com] <b><span style="font-weight:bold">On Behalf Of
</span></b>Bickel, Dwight<br>
<b><span style="font-weight:bold">Sent:</span></b> Wednesday, January 31, 2018 1:51 PM<br>
<b><span style="font-weight:bold">To:</span></b> REALPROP@yahoogroups.com; WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b><span style="font-weight:bold">Subject:</span></b> [WSBARP] More Explanation about Remote Notary Acknowledgements<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt"><o:p> </o:p></span></font></p>
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<p class="MsoNormal"><b><u><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;font-weight:bold">First, a short answer to Kary Krismer’s question:
</span></font></u></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">My earlier message references Virginia because that is one of the states with a statute that authorizes a notary
to witness acknowledgements using remote computer technology. That statute does not limit its use to Virginia transactions. My comments therefore apply to any state that has a revised notary public law that authorizes a notary to witness an acknowledgement
without being face-to-face. </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><b><u><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;font-weight:bold">Is “remote acknowledgement” authorized?</span></font></u></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">A remote acknowledgement is statutorily authorized by notary public laws in Virginia, Montana, Texas and Nevada,
although the Texas and Nevada laws do not become effective until July 1, 2018. Montana authorizes remote acknowledgement only if the transaction is in Montana. I have not reviewed the Texas notary law, but that may be the source of authority relied upon by
Stewart in WA because it corporate headquarters is in Texas.</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><b><u><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;font-weight:bold">Definitions may be helpful:</span></font></u></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0in;text-indent:-.25in;mso-list:l0 level1 lfo1">
<![if !supportLists]><font size="2" color="#1f497d" face="Symbol"><span style="font-size:10.0pt;font-family:Symbol;color:#1F497D"><span style="mso-list:Ignore">·<font size="1" face="Times New Roman"><span style="font:7.0pt "Times New Roman"">
</span></font></span></span></font><![endif]><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">An “acknowledgement” is the act/words of the signing person that they signed the document.
WA law requires this to be done for a conveyance.<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0in;text-indent:-.25in;mso-list:l1 level1 lfo2">
<![if !supportLists]><font size="2" color="#1f497d" face="Symbol"><span style="font-size:10.0pt;font-family:Symbol;color:#1F497D"><span style="mso-list:Ignore">·<font size="1" face="Times New Roman"><span style="font:7.0pt "Times New Roman"">
</span></font></span></span></font><![endif]><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">A “certificate of acknowledgement” is the statement on the document itself that the Notary
Public signs stating that he/she witnessed an acknowledgement.<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0in;text-indent:-.25in;mso-list:l2 level1 lfo3">
<![if !supportLists]><font size="2" color="#1f497d" face="Symbol"><span style="font-size:10.0pt;font-family:Symbol;color:#1F497D"><span style="mso-list:Ignore">·<font size="1" face="Times New Roman"><span style="font:7.0pt "Times New Roman"">
</span></font></span></span></font><![endif]><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">An “electronic acknowledgement” refers to an acknowledgement certificate that is signed
by the notary public on a computer, similar to electronic signatures. The WA statute change mentioned previously will allow the electronic notary certificate after July 1, 2018. An electronic acknowledgement could be after witnessing an acknowledgement in
person [“personally appeared before me”], as the WA notary law clearly requires, or it could be after a remote acknowledgement where the signing person is not in the same place.
<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;margin-left:0in;text-indent:-.25in;mso-list:l3 level1 lfo4">
<![if !supportLists]><font size="2" color="#1f497d" face="Symbol"><span style="font-size:10.0pt;font-family:Symbol;color:#1F497D"><span style="mso-list:Ignore">·<font size="1" face="Times New Roman"><span style="font:7.0pt "Times New Roman"">
</span></font></span></span></font><![endif]><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">A “remote acknowledgement” means the notary witnesses an acknowledgement while physically
anywhere else in the world where the notary is licensed by that place. The notary would require a computer [or maybe even a smart phone]. The notary certificate could be on a paper document, or done electronically. The signing person could be anywhere in
the world with a computer [or maybe even a smart phone]. A remote notary could witness an acknowledgement of a person in the adjoining room, and it still is not “personally appeared before me.”<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<![if !supportLists]><font size="2" color="#1f497d" face="Symbol"><span style="font-size:10.0pt;font-family:Symbol;color:#1F497D"><span style="mso-list:Ignore">·<font size="1" face="Times New Roman"><span style="font:7.0pt "Times New Roman"">
</span></font></span></span></font><![endif]><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">“Standards” means that the state authorizes a remote acknowledgement if a notary has a specific
license, if the notary uses specific software, if the notary follows specific document retention and transmission protocols, and if the notary follows specific methods to reduce the risk of forgery, incompetency and duress.
<o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><b><u><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D;font-weight:bold">Is a “remote acknowledgement” a valid acknowledgement for a WA conveyance?</span></font></u></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">The premises of the logic for use of a remote acknowledgment for a WA transaction are that if the notary is licensed
in the other state to witness an acknowledgment using a remote computer connection, then the Virginia acknowledgement certificate will be valid for WA transactions.</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">My concerns include that the Virginia licensed notary is not satisfying WA law requiring an acknowledgement, unless
the signing person “personally appears before” the notary in Virginia, as defined in WA laws for a compliant acknowledgement. Prior to July 1</span></font><sup><font size="1" color="#1f497d" face="Calibri"><span style="font-size:7.5pt;font-family:"Calibri",sans-serif;color:#1F497D">st</span></font></sup><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">,
WA law [<a href="https://nam02.safelinks.protection.outlook.com/?url=http%3A%2F%2Flawfilesext.leg.wa.gov%2Fbiennium%2F2017-18%2FPdf%2FBills%2FSenate%2520Passed%2520Legislature%2F5081-S.PL.pdf&data=02%7C01%7C%7C2d99036b2f9d49dfad8d08d568f61ae8%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636530328806118580&sdata=e%2FY09MtYVnQOUQk1Dj5zWBq7o4xNwUwo4F4cXUxwgtY%3D&reserved=0">SB
5065</a>] does not authorize an electronic acknowledgement certificate either. Even after that new notary law, WA still will not recognize a remote acknowledgement until a future law is passed. WA is awaiting promulgation of standards before it changes the
requirements for an acknowledgement. </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">WA law [<a href="https://nam02.safelinks.protection.outlook.com/?url=http%3A%2F%2Fapp.leg.wa.gov%2FRCW%2Fdefault.aspx%3Fcite%3D65.08.030&data=02%7C01%7C%7C2d99036b2f9d49dfad8d08d568f61ae8%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636530328806118580&sdata=9z9WEaThplQMnKySHJHrh9FaYu7neLaXX5RJ11zpUoU%3D&reserved=0">65.08.030</a>]
says a defective acknowledgement certificate does not invalidate the document and it still constitutes notice to a third party of the conveyance. However, note that WA law does waive the requirement for an acknowledgement. If the remote acknowledgment is not
a compliant acknowledgement, it may not matter that Virginia says its notaries there may witness a remote acknowledgement using unknown software and unknown methods to reduce the risk of forgery, incompetency and duress.
</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="#1f497d" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">As we go into the future, we do so
<a href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.goodreads.com%2Fquotes%2F618118-we-look-at-the-present-through-a-rear-view-mirror&data=02%7C01%7C%7C2d99036b2f9d49dfad8d08d568f61ae8%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C636530328806118580&sdata=sFX9lm3P1yoL7UfarCNh4EeEEobK3WZFRIvmt2tV8AI%3D&reserved=0">
watching in the rear view mirror</a>. If I was your lawyer, I would advise you not to use a remote acknowledgement until the WA Legislature accepts that future technology. It will.</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><b><font size="2" color="#44546a" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:#44546A;font-weight:bold">Dwight A. Bickel</span></font></b><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="gray" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:gray">Regional Counsel</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="gray" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:gray">Fidelity National Title Group</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="gray" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:gray">701 - 5th Avenue, Suite 2700</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="gray" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:gray">Seattle, WA 98104<br>
Phone: (206) 370-3189</span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="2" color="gray" face="Verdana"><span style="font-size:10.0pt;font-family:"Verdana",sans-serif;color:gray">E-mail:
<a href="mailto:Dwight.Bickel@fntg.com">Dwight.Bickel@fntg.com</a></span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" color="#1f497d" face="Times New Roman"><span style="font-size:12.0pt;color:#1F497D"> </span></font><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><u><font size="3" face="Times New Roman"><span style="font-size:12.0pt"> ________________________________ </span></font></u><font size="2" face="Calibri"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></font></p>
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<p class="MsoNormal"><font size="3" face="Times New Roman"><span style="font-size:12.0pt">NOTICE: The information contained in this message is proprietary and/or confidential and may be privileged. If you are not the intended recipient of this communication,
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