I'M THANKFUL FOR LIVING IN THIS GREAT COUNTRY AND FOR YOUR CONTINUED REFERRALS AND BUSINESS. Apply online with candrew@ruoff.com Customer customer satisfaction Satisfaction Rating NRUOFF HOME MORTGAGE NMLS: 141868 Cyndi Andrew Senior Loan Officer, NMLS: 202626 260.466.5757 NMLS: 141868 candrew@ruoff.com www.ruoff.com/cyndiandrew Thisisnot an offer for extension of credit or a commitment to lend All loans must satisly company underwriting guidelines. nformation and pricing are subject to change at any time and without notike. Equal Housing Lender December 2018. Page 2