<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<!--[if !mso]><style>v\:* {behavior:url(#default#VML);}
o\:* {behavior:url(#default#VML);}
w\:* {behavior:url(#default#VML);}
.shape {behavior:url(#default#VML);}
</style><![endif]--><style><!--
/* Font Definitions */
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:11.0pt;
font-family:"Calibri",sans-serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:#0563C1;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:#954F72;
text-decoration:underline;}
span.EmailStyle17
{mso-style-type:personal-compose;
font-family:"Calibri",sans-serif;
color:windowtext;}
.MsoChpDefault
{mso-style-type:export-only;
font-family:"Calibri",sans-serif;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1027" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="#0563C1" vlink="#954F72">
<div class="WordSection1">
<p class="MsoNormal">I recently found myself in Queens, and being hungry, and always looking to meet a networking connection, stopped by the Philly Pretzel Factory on Queens Boulevard to say hi to Jose Villa. As many of you know, Jose opened his business last
spring, and during these chaotic times, it is vital to support local businesses.
<o:p></o:p></p>
<p class="MsoNormal">As soon as I walked in, with my mask on, Jose recognized me and welcomed me by name. What a great guy!
<o:p></o:p></p>
<p class="MsoNormal">The store is cozy, warm, safe, and filled with snacks and meals. I had a salty pretzel, and I chose the spicy sausage (which is kind of like a calzone) for lunch, and my friend had the burger sliders pretzel. They were both outstanding!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">See the attached pics.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Do yourself a favor, support Jose, and stop by for a quick bite!<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<table class="MsoNormalTable" border="0" cellspacing="0" cellpadding="0" width="100%" style="width:100.0%;border-collapse:collapse">
<tbody>
<tr>
<td width="100%" valign="top" style="width:100.0%;padding:0in 0in .75pt 0in">
<p class="MsoNormal" style="line-height:18.0pt;mso-line-height-rule:exactly"><span style="font-size:12.0pt;color:black">Alan Kreit
<o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="100%" valign="top" style="width:100.0%;padding:0in 0in 0in 0in">
<p class="MsoNormal" style="line-height:14.0pt;mso-line-height-rule:exactly"><span style="font-size:12.0pt;color:black">Senior Lending Officer<br>
NMLS ID 690784<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:14.0pt;mso-line-height-rule:exactly"><span style="font-size:12.0pt;color:black">2020 President\u2019s Club<o:p></o:p></span></p>
<p class="MsoNormal" style="line-height:14.0pt;mso-line-height-rule:exactly"><span style="font-size:12.0pt;color:black"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:14.0pt;mso-line-height-rule:exactly"><span style="font-size:12.0pt;color:red">Please note my NEW e-mail address:</span><span style="font-size:12.0pt;color:black">
<b>alan.kreit@bofa.com</b><br>
<br>
Bank of America<br>
1114 Avenue of the Americas, New York, NY 10036<br>
T 914-650-1655\u2003F 866-753-2803<br>
alan.kreit@bofa.com <o:p></o:p></span></p>
</td>
</tr>
<tr>
<td width="100%" valign="top" style="width:100.0%;padding:15.0pt 0in 0in 0in">
<p class="MsoNormal" style="line-height:14.0pt;mso-line-height-rule:exactly"><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
<v:stroke joinstyle="miter" />
<v:formulas>
<v:f eqn="if lineDrawn pixelLineWidth 0" />
<v:f eqn="sum @0 1 0" />
<v:f eqn="sum 0 0 @1" />
<v:f eqn="prod @2 1 2" />
<v:f eqn="prod @3 21600 pixelWidth" />
<v:f eqn="prod @3 21600 pixelHeight" />
<v:f eqn="sum @0 0 1" />
<v:f eqn="prod @6 1 2" />
<v:f eqn="prod @7 21600 pixelWidth" />
<v:f eqn="sum @8 21600 0" />
<v:f eqn="prod @7 21600 pixelHeight" />
<v:f eqn="sum @10 21600 0" />
</v:formulas>
<v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect" />
<o:lock v:ext="edit" aspectratio="t" />
</v:shapetype><v:shape id="Picture_x0020_1" o:spid="_x0000_s1026" type="#_x0000_t75" alt="Bank of America logo" style='position:absolute;margin-left:0;margin-top:0;width:178.5pt;height:18.75pt;z-index:251659264;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:0;mso-wrap-distance-top:0;mso-wrap-distance-right:0;mso-wrap-distance-bottom:0;mso-position-horizontal:left;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
<v:imagedata src="cid:image001.png@01D6E420.6880DB90" o:title="Bank of America logo" />
<w:wrap type="square" anchory="line"/>
</v:shape><![endif]--><![if !vml]><img width="238" height="25" src="cid:image003.png@01D6E422.6015F100" align="left" alt="Bank of America logo" v:shapes="Picture_x0020_1"><![endif]><span style="font-size:12.0pt;color:black"><o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class="MsoNormal"><u><span style="font-size:12.0pt;color:#0563C1"><o:p><span style="text-decoration:none"> </span></o:p></span></u></p>
<p class="MsoNormal"><a href="https://mortgage.bankofamerica.com/alan-kreit"><span style="font-size:12.0pt;color:#0563C1">https://mortgage.bankofamerica.com/alan-kreit</span></a><u><span style="font-size:12.0pt;color:#0563C1"><o:p></o:p></span></u></p>
<p class="MsoNormal"><b><span style="color:#1F497D">Manage your home loan at:</span></b><span style="color:#1F497D">
</span><a href="https://www.bankofamerica.com/home-loans/home-loan-navigator.go"><b><span style="font-size:12.0pt;color:blue">Home Loan Navigator</span></b></a><b><span style="font-size:12.0pt;color:#1F497D">
</span></b><span style="font-size:12.0pt;color:#1F497D"><o:p></o:p></span></p>
<p class="MsoNormal"><u><span style="font-size:12.0pt;color:#0563C1"><o:p><span style="text-decoration:none"> </span></o:p></span></u></p>
<p class="MsoNormal"><u><span style="font-size:12.0pt;color:#0563C1"><o:p><span style="text-decoration:none"> </span></o:p></span></u></p>
<p class="MsoNormal"><u><span style="font-size:12.0pt;color:#0563C1"><o:p><span style="text-decoration:none"> </span></o:p></span></u></p>
<p class="MsoNormal"><span style="font-size:10.0pt;color:#0070C0">At Bank of America, we want you to be delighted and our goal is to keep you informed throughout your experience. If you have any questions, comments or concerns, please contact me or my manager,
Michael McGivney. My manager can be reached at 914-650-1929 or </span><a href="mailto:michael.j.mcgivney@bankofamerica.com"><span style="font-size:10.0pt;color:#0563C1">michael.j.mcgivney@bofa.com</span></a><span style="font-size:10.0pt;color:#0070C0">.
Throughout the process you may receive survey invitations to provide feedback about your experience. Your feedback is extremely important to us and provides insight into how we can continue to strive to improve our clients\u2019 experience.</span><span style="font-size:10.0pt;color:#0070C0"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
<HR>This message, and any attachments, is for the intended recipient(s) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http://www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message.<BR>
</body>
</html>