Delivered-To: tjphuhs@gmail.com
Received: by 2002:adf:ebc2:0:b0:439:567a:e7b2 with SMTP id v2csp178387wrn;
        Tue, 17 Feb 2026 10:49:01 -0800 (PST)
X-Received: by 2002:a05:6a00:6c8c:b0:824:3d1c:55c2 with SMTP id d2e1a72fcca58-824c9457ce1mr11719679b3a.6.1771354141307;
        Tue, 17 Feb 2026 10:49:01 -0800 (PST)
ARC-Seal: i=1; a=rsa-sha256; t=1771354141; cv=none;
        d=google.com; s=arc-20240605;
        b=SLtFeexFAF2PI7zQOPv1xqDV+Bgvr/vRyNQF/jifvRjH6uOXlX6oyeaQb/1lfpnlHA
         +Io2HH+8rOT+2eWhShQv6ziAo2FrLgPh5pv230XZylRCXNmoFaTYgh3a4fPO8CdzqFr3
         h7GUYV3IJWL7R4FMVAhqd/AFlpx/xfa7pZ322H0CJOl5GRcjGnjVouNf+gI1IqX6KMA/
         dWgkk+S9CkpGt3Pg9ylp01yX9Ut1KCVuPSEwUTkA53rFdnNsH2OBnc4OIaBfUj+NK2rQ
         NGbK7zxyGhoSakGKJ1Hg0hs0yAkDNlCTOv5+gNKhftV0Abl0gRNYKRzxwJEAv1yvI3j4
         KPuA==
ARC-Message-Signature: i=1; a=rsa-sha256; c=relaxed/relaxed; d=google.com; s=arc-20240605;
        h=mime-version:recipientaddressheader:recipientaddresshash:to
         :reply-to:message-id:subject:date:from:dkim-signature:dkim-signature;
        bh=0Armp8gbG/AojDd9iF+dnYF06wk5uRzfvAIpriwGufM=;
        fh=nosT31u2Y3vP0vJvCxfnV9367qaTC9CeUmHkPj7HUGE=;
        b=BxjTLlMrZZeUt/dTCs8D4IFiI8SnuGDcrUYCS4kNbb4J9Lz38fmEzkzrMmO84fzBgt
         nPO1jWfNxYlIgUKyKHVf1hgJn9DMAAhplccB0hz+vFmDRsntQNfZHNwnYEHXzlRsBFf6
         sjnTR+1+cdBqbzdc4zJpeak4QJApiar3qZrNhD/fj8jp45q6PxB5inH8VBYwuTLTl7Up
         1XwmqgvRiEDBxJz3lYiB+HLN8h/P3MxojFr5eT0cps0OWKkbovNyRVsHYfj0/uXytnhx
         BZgu8h/PA36njb/KUQVKltTsvQgCx1Za4IVj4sj/uDvYvqNOKkmL2nBN9WPYxkwN4y7K
         FWZQ==;
        dara=google.com
ARC-Authentication-Results: i=1; mx.google.com;
       dkim=pass header.i=@planethomelending.com header.s=namkey1 header.b=MeS+PAsy;
       dkim=pass header.i=@nam.pb-dynmktg.com header.s=key1 header.b=xnSF2kE7;
       spf=pass (google.com: domain of b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com designates 40.78.242.30 as permitted sender) smtp.mailfrom=b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com;
       dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=planethomelending.com
Return-Path: <b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com>
Received: from mail38.nam.pb-dynmktg.com (mail38.nam.pb-dynmktg.com. [40.78.242.30])
        by mx.google.com with ESMTPS id d2e1a72fcca58-824c6a31787si28373245b3a.34.2026.02.17.10.49.01
        for <TJPHUHS@gmail.com>
        (version=TLS1_3 cipher=TLS_AES_256_GCM_SHA384 bits=256/256);
        Tue, 17 Feb 2026 10:49:01 -0800 (PST)
Received-SPF: pass (google.com: domain of b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com designates 40.78.242.30 as permitted sender) client-ip=40.78.242.30;
Authentication-Results: mx.google.com;
       dkim=pass header.i=@planethomelending.com header.s=namkey1 header.b=MeS+PAsy;
       dkim=pass header.i=@nam.pb-dynmktg.com header.s=key1 header.b=xnSF2kE7;
       spf=pass (google.com: domain of b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com designates 40.78.242.30 as permitted sender) smtp.mailfrom=b-1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax@bouncing.planethomelending.com;
       dmarc=pass (p=REJECT sp=REJECT dis=NONE) header.from=planethomelending.com
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=namkey1; d=planethomelending.com;
 h=From:Date:Subject:Message-Id:Reply-To:To:MIME-Version:Content-Type;
 bh=0Armp8gbG/AojDd9iF+dnYF06wk5uRzfvAIpriwGufM=;
 b=MeS+PAsypsVQkhrywCoJJj5E6phZNsb/ivTUSOgRHeoOVLBBFBGHiGGlSv9YGm3JDRrhLUPEJn85
   yFefQu+vOeE+Jlq6ymos+yPvV/HsweHUN+4rVlqN/SWDJKlZGfJQMb3pwK3WgQqn3ISoPHDFJinM
   z7pNKQm8IyIktySLQFXQza2JnxHI5N9nFd1CANj8Wib7ZiWxdmiHzV+zK5C5twJCbwJAb8mlcPoW
   TTx/DgI+I4pM/cJm3PNWHeN6k6pF12vcgkVLm9hJKlE61FSCtccrONnGWrr8xaCwyXjEm+oArwf2
   ZL5nyRom4PAwpRT/1d9WFrWZW9l6Hx56L9rWOg==
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; s=key1; d=nam.pb-dynmktg.com;
 h=From:Date:Subject:Message-Id:Reply-To:To:MIME-Version:Content-Type;
 bh=0Armp8gbG/AojDd9iF+dnYF06wk5uRzfvAIpriwGufM=;
 b=xnSF2kE7CJapennqyikeyUeFvhRRwicj6nHJFuv1W3XmlGgTY8IkVwW6znDKcTN7qaiYhMLynprs
   +U1S1Xz23VHFhbIyaP6lkwee8W86jgTDDOAcUJCdJCGM7D13IjwlKIbz7robwpDsw0A8wujsPpGD
   boDzayuWQybyEWRNYNw=
From: Planet Home Lending Customer Support <donotreply@planethomelending.com>
Date: Tue, 17 Feb 2026 18:48:59 +0000
Subject: [IMPORTANT] Message from Planet Home Lending
Message-Id: <Z9D4TMF8JSU4.SC9ODVRBXOHV@bouncing.planethomelending.com>
Reply-To: donotreply@planethomelending.com
To: TJPHUHS@GMAIL.COM
X-MS-Dynamics-Message-ID: 1_dijchhredzduxbovaemwqd3ff4-3kjdxyodknjh09fax
X-MS-Dynamics-Instance: 2gnhwo3yqx7rkvlpbpzf57fel6keaerzyq800jonmpc2
RecipientAddressHash: kD88FzEwqYpxN4c6M7SOd18YFLHOmaIhuwTyu1iZEDc2_q7HLEWR5YgujPmxqr2dhNCPFUd3XSy2279GkF0gNP5U2
RecipientAddressHeader: VEpQSFVIU0BHTUFJTC5DT00=
MIME-Version: 1.0
Content-Type: multipart/alternative; boundary="=-CazQMUGe5qJXlbs6xsc9TQ=="

--=-CazQMUGe5qJXlbs6xsc9TQ==
Content-Type: text/plain; charset=utf-8
Content-Transfer-Encoding: quoted-printable

[Click Here <https://public-usa.mkt.dynamics.com/api/orgs/9e23121a-1e24-4b4=
7-85d5-0119680f652f/r/QzxQMYPGBkCn1vA5AjMDAAQAAAA?msdynmkt_target=3D%7B%22T=
argetUrl%22%3A%22https%253A%252F%252Fpublic-usa.mkt.dynamics.com%252Fapi%25=
2Fv1.0%252Forgs%252F9e23121a-1e24-4b47-85d5-0119680f652f%252Fchannels%252Fm=
ails%252Fvib%252Fcbdaae25-673d-f011-b4cc-6045bd00c8e0_3e7d534f-2b0c-f111-84=
06-0022480487a1_439dc738-9da4-7f03-b0ce-3157d801a270_e78d8e87-b605-f011-bae=
1-0022480a5cce%22%2C%22RedirectOptions%22%3A%7B%225%22%3Anull%2C%221%22%3An=
ull%7D%7D&msdynmkt_digest=3DNg560J0LtkfVxEAMn7F94iTNeKglFYbGafh50aGvVo0%3D&=
msdynmkt_secretVersion=3Da3955a744d9049f88dd8bdc1907bf2bf>] to view in brow=
ser
Dear TIMOTHY, Log into Planet=E2=80=99s customer portal [here <https://publ=
ic-usa.mkt.dynamics.com/api/orgs/9e23121a-1e24-4b47-85d5-0119680f652f/r/Qzx=
QMYPGBkCn1vA5AjMDAAUAAAA?msdynmkt_target=3D%7B%22TargetUrl%22%3A%22https%25=
3A%252F%252Fplanetloanservicing.com%252Fmyaccount%22%2C%22RedirectOptions%2=
2%3A%7B%221%22%3Anull%7D%7D&msdynmkt_digest=3DtUBNF%2FdIXzLXm5F%2BvYvRKEHbO=
vFXGAOnDQ6IHzUFHd0%3D&msdynmkt_secretVersion=3Da3955a744d9049f88dd8bdc1907b=
f2bf>] to make your payment, manage your loan, view documents, and more! Pl=
anet Home Lending can also be reached toll-free at 855-595-9055 between 8:3=
0 a.m. to 9:00 p.m., Monday through Friday, all times are Eastern. Thank yo=
u, Your Planet Home Lending Team [https://public-usa.mkt.dynamics.com/api/o=
rgs/9e23121a-1e24-4b47-85d5-0119680f652f/r/QzxQMYPGBkCn1vA5AjMDAAYAAAA?msdy=
nmkt_target=3D%7B%22TargetUrl%22%3A%22https%253A%252F%252Fplanetloanservici=
ng.com%252Fmyaccount%22%2C%22RedirectOptions%22%3A%7B%221%22%3Anull%7D%7D&m=
sdynmkt_digest=3DtUBNF%2FdIXzLXm5F%2BvYvRKEHbOvFXGAOnDQ6IHzUFHd0%3D&msdynmk=
t_secretVersion=3Da3955a744d9049f88dd8bdc1907bf2bf <https://public-usa.mkt.=
dynamics.com/api/orgs/9e23121a-1e24-4b47-85d5-0119680f652f/r/QzxQMYPGBkCn1v=
A5AjMDAAcAAAA?msdynmkt_target=3D%7B%22TargetUrl%22%3A%22https%253A%252F%252=
Fplanetloanservicing.com%252Fmyaccount%22%2C%22RedirectOptions%22%3A%7B%221=
%22%3Anull%7D%7D&msdynmkt_digest=3DtUBNF%2FdIXzLXm5F%2BvYvRKEHbOvFXGAOnDQ6I=
HzUFHd0%3D&msdynmkt_secretVersion=3Da3955a744d9049f88dd8bdc1907bf2bf>]
Please be advised that Planet Home Lending, LLC is a debt collector attempt=
ing to collect a debt and any information obtained will be used for that pu=
rpose. Oregon Residents Only: The Oregon Division of Financial Regulation (=
DFR) oversees residential mortgage loan servicers who are responsible for s=
ervicing residential mortgage loans in connection with real property locate=
d in Oregon and persons required to have a license to service residential m=
ortgage loans in this state. If you have questions regarding your residenti=
al mortgage loan, contact your servicer at 866-882-8187 orwww.planethomelen=
ding.com. To file a complaint about unlawful conduct by an Oregon licensee =
or a person required to have an Oregon license, call DFR at 888-877-4894 or=
 visit dfr.oregon.gov. NMLS ID #17022
=C2=A9 2026 Planet Home Lending, LLC. 321 Research Parkway, Suite 303, Meri=
den, CT 06450=

--=-CazQMUGe5qJXlbs6xsc9TQ==
Content-Type: text/html; charset=utf-8
Content-Transfer-Encoding: quoted-printable

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.=
w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html xmlns=3D"http://www.w3.=
org/1999/xhtml" xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:o=3D"urn:sc=
hemas-microsoft-com:office:office"><head>
<meta http-equiv=3D"Content-Type" content=3D"text/html; charset=3Dutf-8">
<meta name=3D"viewport" content=3D"width=3Ddevice-width,initial-scale=3D1">
<title>[IMPORTANT] Message from Planet Home Lending</title>
<meta name=3D"referrer" content=3D"never">
<meta name=3D"format-detection" content=3D"telephone=3Dno,date=3Dno,address=
=3Dno,email=3Dno">
<meta name=3D"x-apple-disable-message-reformatting">
<style>p{margin:0;padding:0;line-height:125%;line-height:1.25;mso-line-heig=
ht-rule:at-least}[dir=3Drtl],[dir=3Drtl] [align=3Dright] *{text-align:right=
}[dir=3Drtl] [align=3Dleft] *{text-align:left}s span{text-decoration:line-t=
hrough}u span{text-decoration:underline}.dividerWrapper p span{line-height:=
0}ol,ul{margin-top:15px;margin-bottom:15px;line-height:125%;line-height:1.2=
5;mso-line-height-rule:at-least;padding-inline-end:0;padding-inline-start:4=
0px}p img{max-width:100%}a{text-decoration:none}u a{text-decoration:underli=
ne}h1{font-size:28px}h2{font-size:22px}h3{font-size:18px}h1,h2,h3,h4{margin=
:0;line-height:125%;line-height:1.25}.imageWrapper a img{text-decoration:no=
ne;border:0}th.columnContainer,th.inner{font-weight:400;text-align:left}[di=
r=3Drtl] th.columnContainer,[dir=3Drtl] th.inner{font-weight:400;text-align=
:right}img{max-width:100%!important}.hide-on-desktop-class{display:none}@me=
dia only screen and (max-width:768px){.tbContainer{display:block!important}=
a span{line-height:inherit!important}.multi table{table-layout:fixed;height=
:auto!important}.multi td{width:auto!important;min-height:0!important}.mult=
i tbody,.multi tbody tr,.multi tbody tr td,.multi tbody tr th,.outer tbody,=
.outer tbody tr,.outer tbody tr td,.outer tbody tr th{display:block!importa=
nt;box-sizing:border-box;height:auto!important;min-height:0!important}.wrap=
-section .multi tbody,.wrap-section .multi tbody tr,.wrap-section .multi tb=
ody tr td,.wrap-section .multi tbody tr th,.wrap-section .outer tbody,.wrap=
-section .outer tbody tr,.wrap-section .outer tbody tr td,.wrap-section .ou=
ter tbody tr th{width:100%!important}.wrap-section .outer{display:table}.wr=
ap-section .multi tbody,.wrap-section .outer tbody{display:table-row-group}=
.wrap-section .multi tbody tr,.wrap-section .outer tbody tr{display:table-r=
ow}.wrap-section .multi tbody tr td,.wrap-section .multi tbody tr th,.wrap-=
section .outer tbody tr td,.wrap-section .outer tbody tr th{display:table-c=
ell}.wrap-section .multi tbody tr td .columnContainer,.wrap-section .multi =
tbody tr th .columnContainer,.wrap-section .outer tbody tr td .columnContai=
ner,.wrap-section .outer tbody tr th .columnContainer{display:inline}.wrap-=
section .multi tbody tr td .inner,.wrap-section .multi tbody tr th .inner,.=
wrap-section .outer tbody tr td .inner,.wrap-section .outer tbody tr th .in=
ner{display:table-cell}.multi .inner{height:auto!important;min-height:0!imp=
ortant}.tbContainer .inner{box-sizing:border-box}.outer{width:100%!importan=
t}.tbContainer .columnContainer table{table-layout:fixed!important}.tbConta=
iner .columnContainer>table{height:auto!important}.innerTable{min-height:0!=
important}.no-wrap-section .outer{display:table!important;border-collapse:s=
eparate!important}.no-wrap-section .multi table{height:100%!important}.no-w=
rap-section .multi tbody,.no-wrap-section .outer tbody{display:table-row-gr=
oup!important;width:100%!important}.no-wrap-section .multi tbody tr,.no-wra=
p-section .outer tbody tr{display:table-row!important;width:100%!important}=
.no-wrap-section .multi tbody tr td,.no-wrap-section .multi tbody tr th,.no=
-wrap-section .outer tbody tr td,.no-wrap-section .outer tbody tr th{displa=
y:table-cell!important}.no-wrap-section.columns-equal-class .outer tbody tr=
 td,.no-wrap-section.columns-equal-class .outer tbody tr th{height:0!import=
ant}.no-wrap-section .outer tbody tr td.inner,.no-wrap-section .outer tbody=
 tr th.inner{width:100%!important;height:auto!important}a[x-apple-data-dete=
ctors]{color:inherit!important;text-decoration:none!important;font-size:inh=
erit!important;font-family:inherit!important;font-weight:inherit!important;=
line-height:inherit!important}.hide-on-mobile-class{display:none!important}=
.hide-on-desktop-class{display:block!important}.hide-on-desktop-class.hide-=
on-mobile-class{display:none!important}}body,div{font-family:Arial,Verdana,=
sans-serif;font-size:14px;color:#000;background-color:#e0e0e0}div div{backg=
round-color:transparent}[data-layout=3Dtrue]{margin:0 auto;max-width:600px}=
</style><!--[if gte mso 9]>
<xml><o:OfficeDocumentSettings><o:AllowPNG/><o:PixelsPerInch>96</o:PixelsPe=
rInch></o:OfficeDocumentSettings></xml>
<![endif]--><!--[if gte mso 9]>
<xml><w:WordDocument>
<w:DontUseAdvancedTypographyReadingMail xmlns:w=3D"urn:schemas-microsoft-co=
m:office:word"/>
</w:WordDocument></xml>
<![endif]-->
</head>
<body style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#0=
00;background-color:#e0e0e0;background:#e0e0e0"><!--[if !mso]><!--><div id=3D=
"preheader" style=3D"display: none; max-height: 0px; overflow: hidden;">Log=
in to Planet=E2=80=99s customer portal to manage your loan.<br>&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C=
&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C=
&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp; &nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;<br>&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C=
&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C=
&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;&nbsp;=E2=80=8C&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=
=80=8C&nbsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&n=
bsp; &nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=
=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp; &nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp;=E2=80=8C&nbsp=
;=E2=80=8C&nbsp;=E2=80=8C&nbsp;</div><!----><!--[endif]----><!--[if gte mso=
 9]> <table cellspacing=3D"0" cellpadding=3D"0" border=3D"0" align=3D"cente=
r" style=3D"border-collapse: collapse;"><tr><th style=3D"margin-bottom:0; m=
argin-top:0; padding:0; background-color: rgb(224, 224, 224); border-width:=
 ; border-style: ; border-color: ; border-collapse: collapse;"> <![endif]--=
><div style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#0=
00;background-color:#e0e0e0;margin:auto;max-width:600px"><!--[if gte mso 9]=
> </div><div style=3D"background-color: transparent; border:none;"> <![endi=
f]-->
<div class=3D"columns-equal-class wrap-section" style=3D"font-family:Arial,=
Verdana,sans-serif;font-size:14px;color:#000;background-color:#fff"><!--[if=
 gte mso 9]> </div><div style=3D"background-color: transparent; border:none=
;"> <![endif]-->
<table class=3D"outer" align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D"border-collapse:collapse;display:block" role=3D"presentation">
<tbody>
<!--[if gte mso 9]> <tr><td  style=3D"font-size: 0px; line-height:0px;mso-l=
ine-height-rule: exactly; display: none !important; mso-hide:all;background=
-color: rgb(255, 255, 255);"><p style=3D"font-size: 0px;height:0px; margin:=
 0px; padding:0;line-height: 0px; mso-line-height-rule: exactly; background=
-color: transparent;"><br/></p></td></tr> <![endif]--><tr>
<th style=3D"background-color:#fff" role=3D"presentation">
<table style=3D"width:100%;border-collapse:collapse" class=3D"containerWrap=
per tbContainer" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<th class=3D"columnContainer" style=3D"font-weight:400;text-align:left;min-=
width:20px;width:600px;height:0" role=3D"presentation">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" style=3D"height:1=
00%" role=3D"presentation">
<tbody>
<tr>
<th class=3D"inner ui-sortable" style=3D"text-align:left;min-width:20px;ver=
tical-align:top;word-wrap:break-word;word-break:break-word;font-weight:400"=
 role=3D"presentation">
<div style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#00=
0;background-color:transparent;margin:10px"><p style=3D"margin:0;padding:0;=
line-height:1.25;mso-line-height-rule:at-least;text-align:center;mso-line-h=
eight-alt:125%"><a href=3D"https://public-usa.mkt.dynamics.com/api/orgs/9e2=
3121a-1e24-4b47-85d5-0119680f652f/r/QzxQMYPGBkCn1vA5AjMDAAAAAAA?msdynmkt_ta=
rget=3D%7B%22TargetUrl%22%3A%22https%253A%252F%252Fpublic-usa.mkt.dynamics.=
com%252Fapi%252Fv1.0%252Forgs%252F9e23121a-1e24-4b47-85d5-0119680f652f%252F=
channels%252Fmails%252Fvib%252Fcbdaae25-673d-f011-b4cc-6045bd00c8e0_3e7d534=
f-2b0c-f111-8406-0022480487a1_439dc738-9da4-7f03-b0ce-3157d801a270_e78d8e87=
-b605-f011-bae1-0022480a5cce%22%2C%22RedirectOptions%22%3A%7B%225%22%3Anull=
%2C%221%22%3Anull%7D%7D&msdynmkt_digest=3DNg560J0LtkfVxEAMn7F94iTNeKglFYbGa=
fh50aGvVo0%3D&msdynmkt_secretVersion=3Da3955a744d9049f88dd8bdc1907bf2bf" da=
ta-msdyn-tracking-id=3D"0d6bfb7f-caf6-4c22-9842-33847017eac2" style=3D"text=
-decoration:none">Click Here</a> to view in browser</p></div><div style=3D"=
font-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;background-c=
olor:transparent"><div align=3D"center" class=3D"imageWrapper" style=3D"fon=
t-family:Arial,Verdana,sans-serif; font-size:14px; color:#000; background-c=
olor:transparent; width:100%;" width=3D"100%"><img src=3D"https://cdn.media=
valet.com/usva/phl/DfDZc18mMUOAVxnSPZco4w/VOtFCl0lJU6wXxf-1aFr1g/Large/PHL-=
RGB_Logo_Color_04.png" style=3D"max-height:100%;box-sizing:border-box;displ=
ay:block;margin-left:auto;margin-right:auto;width:288px;height:80px;max-wid=
th:100%!important" height=3D"80" width=3D"288"><div class=3D"clear" style=3D=
"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;background-=
color:transparent;clear:both;height:0;width:0"></div></div></div></th>
</tr>
</tbody>
</table>
</th>
</tr>
</tbody>
</table>
</th>
</tr>
<!--[if gte mso 9]> <tr><td  style=3D"font-size: 0px; line-height:0px;mso-l=
ine-height-rule: exactly; display: none !important; mso-hide:all;background=
-color: rgb(255, 255, 255);"><p style=3D"font-size: 0px;height:0px; margin:=
 0px; padding:0;line-height: 0px; mso-line-height-rule: exactly; background=
-color: transparent;"><br/></p></td></tr> <![endif]--></tbody>
</table>
</div><div class=3D"emptyContainer columns-equal-class wrap-section" style=3D=
"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;background-=
color:#fff"><!--[if gte mso 9]> </div><div style=3D"background-color: trans=
parent; border:none;"> <![endif]--><table class=3D"outer" align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" style=3D"border-collapse:collapse;displ=
ay:block" role=3D"presentation">
<tbody>
<!--[if gte mso 9]> <tr style=3D"padding: 0px;mso-line-height-rule: exactly=
;line-height: 1px; background-color: rgb(255, 255, 255);" height=3D"0"><td>=
&nbsp;</td></tr> <![endif]--><tr>
<th style=3D"padding:20px;background-color:#fff" role=3D"presentation">
<table style=3D"width:100%;border-collapse:collapse" class=3D"containerWrap=
per tbContainer" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<th class=3D"columnContainer" style=3D"font-weight:400;text-align:left;vert=
ical-align:top;min-width:5px;width:560px;height:0" role=3D"presentation">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" style=3D"height:1=
00%" role=3D"presentation">
<tbody>
<tr>
<th class=3D"inner" style=3D"text-align:left;min-width:5px;vertical-align:t=
op;word-wrap:break-word;word-break:break-word;font-weight:400" role=3D"pres=
entation">
<div style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#00=
0;background-color:transparent;margin:10px"><p style=3D"margin:0;padding:0;=
line-height:1.25;mso-line-height-rule:at-least;mso-line-height-alt:125%"><s=
pan style=3D"font-size:16px;color:#646464">Dear TIMOTHY,</span></p><p style=
=3D"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at-least;mso-l=
ine-height-alt:125%"><br></p><p style=3D"margin:0;padding:0;line-height:1.2=
5;mso-line-height-rule:at-least;mso-line-height-alt:125%"><span style=3D"co=
lor:#646464;font-size:16px">Log into Planet=E2=80=99s customer portal </spa=
n><span style=3D"font-size:16px"><u><a href=3D"https://public-usa.mkt.dynam=
ics.com/api/orgs/9e23121a-1e24-4b47-85d5-0119680f652f/r/QzxQMYPGBkCn1vA5AjM=
DAAEAAAA?msdynmkt_target=3D%7B%22TargetUrl%22%3A%22https%253A%252F%252Fplan=
etloanservicing.com%252Fmyaccount%22%2C%22RedirectOptions%22%3A%7B%221%22%3=
Anull%7D%7D&msdynmkt_digest=3DtUBNF%2FdIXzLXm5F%2BvYvRKEHbOvFXGAOnDQ6IHzUFH=
d0%3D&msdynmkt_secretVersion=3Da3955a744d9049f88dd8bdc1907bf2bf" data-msdyn=
-tracking-id=3D"c9c1780bfa27a1687963735666" style=3D"text-decoration:underl=
ine"><span style=3D"text-decoration:underline;color:#0c00ff;font-size:16px"=
>here</span></a></u></span><span style=3D"color:#646464;font-size:16px"> to=
 make your payment, manage your loan, view documents, and more!</span></p><=
p style=3D"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at-leas=
t;mso-line-height-alt:125%"><br></p><p style=3D"margin:0;padding:0;line-hei=
ght:1.25;mso-line-height-rule:at-least;mso-line-height-alt:125%"><span styl=
e=3D"color:#646464;font-size:16px">Planet Home Lending can also be reached =
toll-free at 855-595-9055 between 8:30 a.m. to 9:00 p.m., Monday through Fr=
iday, all times are Eastern.</span></p><p style=3D"margin:0;padding:0;line-=
height:1.25;mso-line-height-rule:at-least;mso-line-height-alt:125%"><br></p=
><p style=3D"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at-le=
ast;mso-line-height-alt:125%"><br><span style=3D"color:#646464;font-size:16=
px">Thank you,</span></p><p style=3D"margin:0;padding:0;line-height:1.25;ms=
o-line-height-rule:at-least;mso-line-height-alt:125%"><span style=3D"color:=
#646464;font-size:16px">Your Planet Home Lending Team</span></p><p style=3D=
"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at-least;mso-line=
-height-alt:125%"><u><span style=3D"text-decoration:underline;font-size:16p=
x"><a href=3D"https://public-usa.mkt.dynamics.com/api/orgs/9e23121a-1e24-4b=
47-85d5-0119680f652f/r/QzxQMYPGBkCn1vA5AjMDAAIAAAA?msdynmkt_target=3D%7B%22=
TargetUrl%22%3A%22https%253A%252F%252Fplanetloanservicing.com%252Fmyaccount=
%22%2C%22RedirectOptions%22%3A%7B%221%22%3Anull%7D%7D&msdynmkt_digest=3DtUB=
NF%2FdIXzLXm5F%2BvYvRKEHbOvFXGAOnDQ6IHzUFHd0%3D&msdynmkt_secretVersion=3Da3=
955a744d9049f88dd8bdc1907bf2bf" data-msdyn-tracking-id=3D"2135f8c34bf611687=
963788915" style=3D"text-decoration:underline"><span style=3D"text-decorati=
on:underline;color:#0c00ff;font-size:16px">https://planetloanservicing.com/=
myaccount</span></a></span></u></p></div></th>
</tr>
</tbody>
</table>
</th>
</tr>
</tbody>
</table>
</th>
</tr>
<!--[if gte mso 9]> <tr style=3D"padding: 0px;mso-line-height-rule: exactly=
;line-height: 1px; background-color: rgb(255, 255, 255);" height=3D"0"><td>=
&nbsp;</td></tr> <![endif]--></tbody>
</table></div><div class=3D"emptyContainer columns-equal-class wrap-section=
" style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;b=
ackground-color:#efefef"><!--[if gte mso 9]> </div><div style=3D"background=
-color: transparent; border:none;"> <![endif]--><table class=3D"outer" alig=
n=3D"center" cellpadding=3D"0" cellspacing=3D"0" style=3D"border-collapse:c=
ollapse;display:block" role=3D"presentation">
<tbody>
<!--[if gte mso 9]> <tr style=3D"padding: 0px;mso-line-height-rule: exactly=
;line-height: 1px; background-color: rgb(239, 239, 239);" height=3D"0"><td>=
&nbsp;</td></tr> <![endif]--><tr>
<th style=3D"padding:10px;background-color:#efefef" role=3D"presentation">
<table style=3D"width:100%;border-collapse:collapse" class=3D"containerWrap=
per tbContainer" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation">
<tbody>
<tr>
<th class=3D"columnContainer" style=3D"font-weight:400;text-align:left;vert=
ical-align:top;min-width:5px;width:580px;height:0" role=3D"presentation">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" style=3D"height:1=
00%" role=3D"presentation">
<tbody>
<tr>
<th class=3D"inner" style=3D"text-align:left;min-width:5px;padding:10px;ver=
tical-align:top;word-wrap:break-word;word-break:break-word;font-weight:400"=
 role=3D"presentation">
<div style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#00=
0;background-color:transparent;margin:10px"><div class=3D"clear" style=3D"f=
ont-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;background-co=
lor:transparent;clear:both;height:0;width:0"></div><p style=3D"margin:0;pad=
ding:0;line-height:1.25;mso-line-height-rule:at-least;text-align:center;mso=
-line-height-alt:125%"><img src=3D"https://assets-usa.mkt.dynamics.com/9e23=
121a-1e24-4b47-85d5-0119680f652f/digitalassets/images/b16731c4-3ea6-ed11-aa=
d1-000d3a3141c4?ts=3D638112992125298299" width=3D"auto" height=3D"auto" sty=
le=3D"width:auto;height:auto;max-width:100%"></p><p style=3D"margin:0;paddi=
ng:0;line-height:1.25;mso-line-height-rule:at-least;text-align:center;mso-l=
ine-height-alt:125%"><br></p><p style=3D"margin:0;padding:0;line-height:1.2=
5;mso-line-height-rule:at-least;mso-line-height-alt:125%"><span style=3D"fo=
nt-size:14px">Please be advised that Planet Home Lending, LLC is a debt col=
lector attempting to collect a debt and any information obtained will be us=
ed for that purpose.</span></p><p style=3D"margin:0;padding:0;line-height:1=
.25;mso-line-height-rule:at-least;mso-line-height-alt:125%"><br></p><p styl=
e=3D"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at-least;mso-=
line-height-alt:125%"><span style=3D"font-size:14px">Oregon Residents Only:=
 The Oregon Division of Financial Regulation (DFR) oversees residential mor=
tgage loan servicers who are responsible for servicing residential mortgage=
 loans in connection with real property located in Oregon and persons requi=
red to have a license to service residential mortgage loans in this state. =
If you have questions regarding your residential mortgage loan, contact you=
r servicer at 866-882-8187 orwww.planethomelending.com. To file a complaint=
 about unlawful conduct by an Oregon licensee or a person required to have =
an Oregon license, call DFR at 888-877-4894 or visit dfr.oregon.gov.</span>=
</p><p style=3D"margin:0;padding:0;line-height:1.25;mso-line-height-rule:at=
-least;mso-line-height-alt:125%"><br></p><p style=3D"margin:0;padding:0;lin=
e-height:1.25;mso-line-height-rule:at-least;mso-line-height-alt:125%"><span=
 style=3D"font-size:14px">NMLS ID #17022</span><br></p></div></th>
</tr>
</tbody>
</table>
</th>
</tr>
</tbody>
</table>
</th>
</tr>
<!--[if gte mso 9]> <tr style=3D"padding: 0px;mso-line-height-rule: exactly=
;line-height: 1px; background-color: rgb(239, 239, 239);" height=3D"0"><td>=
&nbsp;</td></tr> <![endif]--></tbody>
</table></div><div class=3D"columns-equal-class wrap-section" style=3D"font=
-family:Arial,Verdana,sans-serif;font-size:14px;color:#000;background-color=
:transparent"><!--[if gte mso 9]> </div><div style=3D"background-color: tra=
nsparent; border:none;"> <![endif]-->
<table class=3D"outer" align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
 style=3D"border-collapse:collapse;display:block" role=3D"presentation">
<tbody>
<!--[if gte mso 9]> <tr><td  style=3D"font-size: 0px; line-height:0px;mso-l=
ine-height-rule: exactly; display: none !important; mso-hide:all;background=
-color: rgba(0, 0, 0, 0);"><p style=3D"font-size: 0px;height:0px; margin: 0=
px; padding:0;line-height: 0px; mso-line-height-rule: exactly; background-c=
olor: transparent;"><br/></p></td></tr> <![endif]--><tr>
<th style=3D"background-color:rgba(0,0,0,0);border-radius:0" role=3D"presen=
tation">
<table style=3D"display:block;width:100%;border-collapse:collapse" class=3D=
"containerWrapper tbContainer" cellpadding=3D"0" cellspacing=3D"0" role=3D"=
presentation">
<tbody>
<tr>
<th class=3D"columnContainer" style=3D"font-weight:400;text-align:left;min-=
width:5px;width:600px;height:0" role=3D"presentation">
<table width=3D"100%" cellpadding=3D"0" cellspacing=3D"0" style=3D"height:1=
00%" role=3D"presentation">
<tbody>
<tr>
<th class=3D"inner ui-sortable" style=3D"text-align:left;min-width:5px;padd=
ing:10px;vertical-align:top;word-wrap:break-word;word-break:break-word;font=
-weight:400" role=3D"presentation">
<div style=3D"font-family:Arial,Verdana,sans-serif;font-size:14px;color:#00=
0;background-color:transparent;margin:0"><p style=3D"margin:0;padding:0;lin=
e-height:1.25;mso-line-height-rule:at-least;text-align:center;mso-line-heig=
ht-alt:125%"><span style=3D"font-size:12px">=C2=A9 2026 Planet Home Lending=
, LLC.</span></p><p style=3D"margin:0;padding:0;line-height:1.25;mso-line-h=
eight-rule:at-least;text-align:center;mso-line-height-alt:125%"><span style=
=3D"color:#605e5c;font-size:11px;font-family:Arial,Verdana,Geneva,sans-seri=
f">321 Research Parkway, Suite 303, Meriden, CT 06450</span><span style=3D"=
color:#605e5c;font-family:Arial,Verdana,Geneva,sans-serif;font-size:11px;ba=
ckground-color:transparent"></span></p><div tabindex=3D"-1" id=3D"toolbarna=
v_blockf92f48de141b31742849453396" aria-label=3D"[Navigate to toolbar]" rol=
e=3D"button" class=3D"editorAccessibilityButton" style=3D"font-family:Arial=
,Verdana,sans-serif;font-size:14px;color:#000;background-color:transparent"=
><br></div><div tabindex=3D"-1" id=3D"toolbarnav_block9fb341413803a17429145=
93027" aria-label=3D"[Navigate to toolbar]" role=3D"button" class=3D"editor=
AccessibilityButton" style=3D"font-family:Arial,Verdana,sans-serif;font-siz=
e:14px;color:#000;background-color:transparent"></div></div>
</th>
</tr>
</tbody>
</table>
</th>
</tr>
</tbody>
</table>
</th>
</tr>
<!--[if gte mso 9]> <tr><td  style=3D"font-size: 0px; line-height:0px;mso-l=
ine-height-rule: exactly; display: none !important; mso-hide:all;background=
-color: rgba(0, 0, 0, 0);"><p style=3D"font-size: 0px;height:0px; margin: 0=
px; padding:0;line-height: 0px; mso-line-height-rule: exactly; background-c=
olor: transparent;"><br/></p></td></tr> <![endif]--></tbody>
</table>
</div></div><!--[if gte mso 9]> </th></tr></table><p style=3D"height:0px; m=
argin-bottom:0; margin-top:0; padding:0;line-height: 0px; mso-line-height-r=
ule: exactly; background-color: transparent;"></p> <![endif]--><img src=3D"=
https://public-usa.mkt.dynamics.com/api/orgs/9e23121a-1e24-4b47-85d5-011968=
0f652f/i/QzxQMYPGBkCn1vA5AjMDAAMAAAA" width=3D"0" height=3D"0" data-trackin=
g /></body></html>=

--=-CazQMUGe5qJXlbs6xsc9TQ==--
