This was sent to you because of your relationship with Michael Kidwell. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in this message is the property of Leader Bank and cannot be reproduced for any use without prior written consent. Lender NMLS# 449250.