<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto">You have only 8 chances to come join Towers in 2020 as a circuit rider. Don\u2019t miss out on this incredible opportunity! Here\u2019s our schedule:<div><br></div><div><blockquote type="cite" style="color: rgb(0, 0, 0);"><div dir="ltr"><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">1.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);"><a href="x-apple-data-detectors://0" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="calendar-event" x-apple-data-detectors-result="0" style="color: currentcolor; text-decoration-color: rgba(50, 119, 205, 0.380392);">01/28</a><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">2.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">03/17<o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">3.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);"><a href="x-apple-data-detectors://1" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="calendar-event" x-apple-data-detectors-result="1" style="color: currentcolor; text-decoration-color: rgba(50, 119, 205, 0.380392);">04/28</a><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">4.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);"><a href="x-apple-data-detectors://2" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="calendar-event" x-apple-data-detectors-result="2" style="color: currentcolor; text-decoration-color: rgba(50, 119, 205, 0.380392);">06/09</a><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">5.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);"><a href="x-apple-data-detectors://3" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="calendar-event" x-apple-data-detectors-result="3" style="color: currentcolor; text-decoration-color: rgba(50, 119, 205, 0.380392);">07/28</a><o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">6.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">09/15 <o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">7.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">10/27<o:p></o:p></span></p><p class="MsoListParagraph" style="margin: 0in 0in 0.0001pt 0.5in; font-size: 11pt; font-family: Calibri, sans-serif; text-indent: -0.25in;"><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);">8.<span style="font-stretch: normal; font-size: 7pt; line-height: normal; font-family: "Times New Roman";"> </span></span><span style="font-family: "Comic Sans MS"; color: rgb(31, 73, 125);"><a href="x-apple-data-detectors://6" dir="ltr" x-apple-data-detectors="true" x-apple-data-detectors-type="calendar-event" x-apple-data-detectors-result="6" style="color: currentcolor; text-decoration-color: rgba(50, 119, 205, 0.380392);">12/08</a></span></p></div></blockquote><br></div><div>Looking forward to seeing you there!!</div><div><br></div><div>Steve Lefkowitz</div><div>Towers GC</div><div>Wells Fargo Home Mortgage</div><div><div dir="ltr"><br></div></div></body></html>