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Circular 230 Disclosure: Pursuant to U.S. Treasury Department regulations, we are now required to advise you that, unless otherwise expressly indicated, any federal tax advice contained in this communication, including attachments and enclosures, is not intended or written to be used, and may not be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any tax-related matters addressed herein. A and N Mortgage Services, Inc. NMLS No. 19291. MIKE VLAMIS NMLS No. 1673632. For all general inquiries please call the main number at 773.305.LOAN (5626).