Good morning, I hope everyone is having a wonderful holiday season. Attached please find a communication from Wells Fargo which some of you may have not received. It provides additional information about how Wells Fargo intends on implementing the Integrated Disclosure Rule and delivery of the Closing Disclosure. The responses seem to raise more questions on how this process is going to actually work. [BF_SIG_BALLAGA] This message is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please notify us immediately by reply or by telephone at (305) 999-5304 and immediately delete this message and all of its attachments. ****************************************************************** Any tax advice contained in this email was not intended to be used, and cannot be used, by you (or any other taxpayer) to avoid penalties under the Internal Revenue Code of 1986, as amended.