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<p class="MsoNormal"><span style="font-size:14.0pt">My paralegal renewed her license last month using ANS ansofwa.com to issue her bond, then did the online application to renew with DOL and uploaded the copy of her bond. She checked back a day or two later
and the website where you search for Notary licenses showed that her license had been renewed (expiration date in 2024). Then she got an email saying her license had been renewed with a link to print her license online. ANS then processed her stamp order and
the stamp arrived the next week. We received a “paper” renewal notice from DOL this week, which we think was generated before she used the online process.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Not sure if this will help your situation since you have already sent your paperwork in by mail, but it may help others that will need to renew.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt">Jane.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:14.0pt"><o:p> </o:p></span></p>
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<p class="MsoNormal">Jane G. Bitz<o:p></o:p></p>
<p class="MsoNormal">Of Counsel<o:p></o:p></p>
<p class="MsoNormal">Wolff, Hislop & Crockett, PLLC<o:p></o:p></p>
<p class="MsoNormal">12209 E. Mission Ave, Suite 5<o:p></o:p></p>
<p class="MsoNormal">Spokane Vallley, WA 99206-4824<o:p></o:p></p>
<p class="MsoNormal">(509) 927-9700 x126<o:p></o:p></p>
<p class="MsoNormal">FAX: (509) 777-1800<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Times New Roman",serif;color:#1F497D"><img width="191" height="96" style="width:1.9895in;height:1.0in" id="_x0000_i1030" src="cid:image004.jpg@01D5F21A.297DA7F0" alt="image001 (4)"></span><span style="color:black"><img width="115" height="100" style="width:1.1979in;height:1.0416in" id="Picture_x0020_2" src="cid:image005.png@01D5F21A.297DA7F0"><img width="273" height="96" style="width:2.8437in;height:1.0in" id="Picture_x0020_3" src="cid:image006.jpg@01D5F21A.297DA7F0"></span><o:p></o:p></p>
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<p class="MsoNormal"><b>From:</b> wsbarp-bounces@lists.wsbarppt.com <wsbarp-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Tom Westbrook<br>
<b>Sent:</b> Wednesday, March 4, 2020 9:47 AM<br>
<b>To:</b> WSBA Real Property Listserv <wsbarp@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBARP] Dept of Licensing - Slow Notary Renewal - 60 to 90 Day Backlog<o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Did mine online and got my renewal within 20 days. Got lucky I guess.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Sincerely,</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Tom</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Thomas J. Westbrook</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Attorney at Law</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"><img width="193" height="67" style="width:2.0104in;height:.6979in" id="Picture_x0020_1" src="cid:image007.jpg@01D5F21A.297DA7F0"></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Rodgers Kee Card & Strophy, P.S.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">324 West Bay Drive NW, Suite 201</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Olympia, Washington 98502</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Phone: 360-352-8311</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Facsimile: 360-352-8501</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Email:
</span><span style="color:#1F497D"><a href="mailto:tjw@buddbaylaw.com"><span style="font-family:"Arial",sans-serif;color:#0563C1">tjw@buddbaylaw.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">Skype: thomas.westbrook</span><o:p></o:p></p>
<p class="MsoNormal"><span style="color:#1F497D"><a href="http://www.buddbaylaw.com/" target="_BLANK????"><span style="font-family:"Arial",sans-serif;color:#0563C1">www.buddbaylaw.com</span></a></span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D">The information contained in this email and attachment(s) are for the exclusive use of the addressee(s) and may contain private, privileged and/or confidential information. If
you are not the addressee, you are strictly prohibited from reading, photocopying, distributing or otherwise using this email or its contents in any way. If you have received this communication in error, please notify us immediately by telephone at 360-352-8311
or by e-mail to </span><span style="color:#1F497D"><a href="mailto:shannon@buddbaylaw.com"><span style="font-family:"Arial",sans-serif;color:#0563C1">shannon@buddbaylaw.com</span></a></span><span style="font-family:"Arial",sans-serif;color:#1F497D">, and destroy
the original message from your electronic files.</span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-family:"Arial",sans-serif;color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal"><b>From:</b> <a href="mailto:wsbarp-bounces@lists.wsbarppt.com">
wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com">wsbarp-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Rowley, Rob<br>
<b>Sent:</b> Wednesday, March 04, 2020 9:11 AM<br>
<b>To:</b> WSBA Real Property Listserv <<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> Re: [WSBARP] Dept of Licensing - Slow Notary Renewal - 60 to 90 Day Backlog<o:p></o:p></p>
<p class="MsoNormal"> <o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif">Did call around and obtained the DOL Notary supervisor. She profusely apologized for the issues with the new software system. They are trying to catch up but it is problematic.
Mine still hasn't been processed though my check cleared on January 15. </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif"> </span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif">You can contact her directly if you have an issue with your renewal . I found her to be very helpful, sincere and apologetic.</span><o:p></o:p></p>
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<p class="MsoNormal"><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif"> </span><o:p></o:p></p>
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<p class="MsoNormal"><b><span style="font-size:12.0pt;color:black">Dee Sharp<br>
</span></b><span style="font-size:12.0pt;color:black">WMS Program Manager<b><br>
</b>Appraisers/AMC’s/Notaries/UCC<b><br>
</b>Washington State Department of Licensing<b><br>
</b>Office: 360-664-6501 | Cell: 360-890-0455<br>
</span><span style="font-size:12.0pt"><a href="mailto:dsharp@dol.wa.gov">dsharp@dol.wa.gov</a>
<span style="color:#0D0D0D">| </span><a href="https://www.dol.wa.gov/">dol.wa.gov</a><span style="color:#0D0D0D"><br>
</span><span style="color:black"><br>
<i>Helping every Washington resident live, work, drive, and thrive.<br>
<br>
</i></span>Follow us on <a href="https://www.facebook.com/WashingtonDOL/">Facebook</a><span style="color:black">,
</span><a href="https://twitter.com/WA_DOL">Twitter</a><span style="color:black">,
</span><a href="https://www.instagram.com/wa_licensing/">Instagram</a><span style="color:black">,
</span><a href="https://www.youtube.com/user/WALicensing">YouTube</a><span style="color:black">,
</span><a href="https://www.linkedin.com/company/washington-state-department-of-licensing/">LinkedIn</a><span style="color:black">, and the
</span><a href="https://licensingexpress.wordpress.com/">DOL Blog</a><span style="color:black">!</span></span><o:p></o:p></p>
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<p class="MsoNormal">On Wed, Feb 5, 2020 at 12:43 PM Kailei Feeney <<a href="mailto:kailei@westseattlelaw.com">kailei@westseattlelaw.com</a>> wrote:<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">I am in the exact same situation – I submitted all to renew in advance of 120 days from my March 2020 notary expiration and just reached back out today indicating the same – it
would be a huge detriment to my practice to not notarize estate planning or property transfer documents.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">When I got to DOL on the phone, it was indicated to me the delay was less related to DOR’s other changes and more apparently that DOL has only two staff members doing renewals for
the whole state and two members doing UCC filings.<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">I was still told today that my application was “in review status.” Below is contact information to verify your status, if you get anywhere further than this frustration, I’d sure
appreciate hearing!<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1F497D"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1F497D">Email:
<a href="mailto:Notaries@dol.wa.gov" target="_blank">Notaries@dol.wa.gov</a></span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1F497D">Phone: 360-664-1550</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">Kailei<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:16.0pt;font-family:"Vladimir Script";color:#1F497D">Kailei B. Feeney</span><b><span style="font-size:16.0pt;color:#1F497D"><br>
</span></b><i><span style="font-family:"Garamond",serif;color:#1F497D">Attorney-at-Law</span></i><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><i><span style="font-family:"Garamond",serif;color:#1F497D"><img border="0" width="189" height="105" style="width:1.9687in;height:1.0937in" id="gmail-m_-5153339315113971194_x005f_x0000_i1026" src="cid:image008.jpg@01D5F21A.297DA7F0"></span></i><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">3909 California Avenue SW</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">Seattle, WA 98116-3705
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">(206)938-5500
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:10.0pt;font-family:Nyala;color:#1F497D"><a href="mailto:kailei@westseattlelaw.com" target="_blank">kailei@westseattlelaw.com</a></span><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="color:#1F497D"><a href="http://www.westseattlelaw.com/" target="_blank"><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">www.westseattlelaw.com</span></a></span><span style="font-size:10.0pt;font-family:Nyala;color:#44524E">
</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b><span style="font-size:9.0pt;font-family:"Arial",sans-serif;color:#002E8A">Click here to connect with de Vrieze | Carney on Facebook:
</span><span style="color:#1F497D"> </span></b><a href="https://www.facebook.com/DeVriezeCarney" target="_blank"><b><span style="text-decoration:none"><img border="0" width="100" height="30" style="width:1.0416in;height:.3125in" id="gmail-m_-5153339315113971194Picture_x0020_1" src="cid:image009.png@01D5F21A.297DA7F0" alt="FB Logo"></span></b></a><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:8.0pt;color:gray">CONFIDENTIAL & PRIVILEGED.
</span><span style="font-size:10.0pt;font-family:Nyala;color:gray">This e-mail message may contain legally privileged and/or confidential information. If you have received this e-mail in error, please notify the sender immediately and delete all copies of
this e-mail message and any attachment. Unless you have previously signed an engagement agreement with this firm, and the firm has accepted you as a client, NO exchange of information by virtue of emails or communications will create any attorney client relationship,
including any duty of confidentiality, between sender and/or recipient. </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><b>From:</b>
<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a> <<a href="mailto:wsbarp-bounces@lists.wsbarppt.com" target="_blank">wsbarp-bounces@lists.wsbarppt.com</a>>
<b>On Behalf Of </b>Rowley, Rob<br>
<b>Sent:</b> Wednesday, February 05, 2020 12:01 PM<br>
<b>To:</b> WSBA RPPT <<a href="mailto:wsbarp@lists.wsbarppt.com" target="_blank">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject:</b> [WSBARP] Dept of Licensing - Slow Notary Renewal - 60 to 90 Day Backlog<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"> <o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">I submitted my renewal 120 days before my March expiration. A little hard for us solo real estate practitioners to
practice when we can't notarize anything. Lest we forget a couple of weeks for the physical notary stamp to be produced.</span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Tahoma",sans-serif"> </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">"Rob:<o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto">I spoke with Jennifer at DOL, and according to Jennifer, we submitted your application early enough (120 days before your notary stamp expires) but the notary program is going through
a change and as a result is backlogged 60-90 days from the day they processed your payment which was January 15, 2020. Looking at maybe early April. Jennifer reiterated we weren't late; they are having problems keeping up with a system change."<br clear="all">
<o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Arial",sans-serif">-- </span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Robert R. Rowley</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Attorney & Counselor At Law</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">p: 509.252.5074 m: 509.994.1143</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">f: 509.928.3084</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">a: 7 S Howard St, Ste 218, Spokane, WA 99201</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">w:
</span><a href="http://rowleylegal.com" target="_blank"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">rowleylegal.com</span></a><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> e: </span><a href="mailto:rob@rowleylegal.com" target="_blank"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">rob@rowleylegal.com</span></a><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> Practice concentrated on business, real estate and general legal matters in Washington and Idaho. NOTICE: The
contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and
promptly delete the message. Thank you for your assistance. DISCLAIMER: You should recognize that responses provided by e-mail means are akin to ordinary telephone or face-to-face conversations and do not reflect the level of factual or legal inquiry or analysis
which would be applied in the case of a formal legal opinion. A formal opinion may very well reach a different conclusion.</span><o:p></o:p></p>
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<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Robert R. Rowley</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">Attorney & Counselor At Law</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">p: 509.252.5074 m: 509.994.1143</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">f: 509.928.3084</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">a: 7 S Howard St, Ste 218, Spokane, WA 99201</span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">w:
</span><a href="http://rowleylegal.com" target="_blank"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">rowleylegal.com</span></a><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> e: </span><a href="mailto:rob@rowleylegal.com" target="_blank"><span style="font-size:12.0pt;font-family:"Times New Roman",serif">rob@rowleylegal.com</span></a><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> </span><o:p></o:p></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto"><span style="font-size:12.0pt;font-family:"Times New Roman",serif"> Practice concentrated on business, real estate and general legal matters in Washington and Idaho. NOTICE: The
contents of this message and any attachments may be protected by the attorney-client privilege, work product doctrine or other applicable protections. If you are not the intended recipient or have received this message in error, please notify the sender and
promptly delete the message. Thank you for your assistance. DISCLAIMER: You should recognize that responses provided by e-mail means are akin to ordinary telephone or face-to-face conversations and do not reflect the level of factual or legal inquiry or analysis
which would be applied in the case of a formal legal opinion. A formal opinion may very well reach a different conclusion.</span><o:p></o:p></p>
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