Todd Ewing

Todd Ewing

Todd Ewing founded Federal Title & Escrow Company in 1996 on a makeshift desk fashioned from a piece of wood stretched across a couple of sawhorses.

Federal Title is different from most other title companies because Mr. Ewing invests heavily in consumer-driven technology to attract new business instead of participating in Affiliated Business Arrangements or Marketing Service Agreements.

Mr. Ewing and Federal Title have a long track record of implementing technology to streamline the closing process and save consumers money.

His company first shook the industry by releasing Eagle Quotes, a software that allows users to produce accurate closing cost quotes and order settlement services online, tools that appeal directly to consumers. Shortly after, Mr. Ewing introduced the Real Credit instant discount for orders placed online, representing to consumers how much other title companies kickback to referral sources. More recently, Mr. Ewing developed a first-of-its-kind mobile app called Close It! that tells homebuyers and sellers exactly how much it will cost to buy or sell property in the DC metro area (and Florida).

Mr. Ewing received his law degree from Drake University Law School and his undergraduate degree from Iowa State University. He has practiced real estate law in the DC metro area since 1991 and is a member of the DC Bar and Maryland & Virginia Land Title Associations. He's also a partner with the law firm Tobin, O'Connor and co-founder of, the first online marketplace in the U.S. for real estate closings. 

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Clarifying a common misconception: title insurance premiums

We've said it before, and we want to make it absolutely clear because we continue to get questions about title insurance premiums. Title insurance premiums are NOT created equal.

While you no doubt have heard that title insurance underwriters are legally required to file their rates with the local insurance commission, underwriters do not file identical rate schedules.

It is true that title companies who are agents of the same underwriter must charge the same title insurance premium. But sometimes title companies become agents of multiple underwriters, using one title insurance underwriter for one jurisdiction and a second underwriter in another jurisdiction, etc.

Federal Title is a prime example of this. We use different underwriters depending on the jurisdiction, allowing us to pass extended savings on to our homebuyers.

We receive calls fairly regularly from confused agents, lenders and consumers who are wondering why our Quick Quote reflects a title insurance premium on a Maryland property that is hundreds of dollars less than the other quotes. It's not because our quote is incorrect, it's because our underwriter charges a lower premium.

That title insurance premiums are created equal is a common misconception we wish to clarify for our agents and lenders as well as consumers, because we believe they are our best ally when it comes to looking out for the best interest of our homebuyers.

Refinancing home loan will require new lender's title insurance policy

Refinancing home loan will require new lender's title insurance policy

For those who closed with Federal Title in the recent past and who may be considering refinancing their mortgage, we'd like to let you know we can provide you substantial savings on your closing costs.

In addition to providing a reissue rate discount on your title insurance premium, Federal Title also offers repeat clients a $200 credit applied toward settlement fees. When you order settlement services through our website, you can save an additional $100.

We'd like to remind you that it's your legal right to choose your own settlement service provider. Often times borrowers are not aware or informed of this right and end up spending more on closing costs than they should.

Get a free and anonymous Quick Quote from us and see how it stacks up to your mortgage lender's title company.

As you may know, we are the leading independent title company serving the DC metro area, and our settlements are conducted by licensed attorneys – not inexperienced notaries. Our online reviews tell our story.

RSVP to our software demo of

Create is a Web-based application we recently discovered that is helping us improve how we do business. It occurred to me that other real estate pros might like to see how they can also benefit from this useful tool.

We have organized a live demonstration of Create and invite you to join us at our Friendship Heights office on Tuesday, March 1 at 10 a.m. to learn clever ways you can leverage this software to improve your real estate business. Click here to RSVP.

The application provides excellent insight into the District’s inventory of real property – residential and commercial. It's essentially a clickable 3D map of the city. Click on any building to get a highly detailed report of the property, including such things as ownership, zoning and permits.

Beyond the property itself, Create offers a snapshot of current market conditions and the people currently living in the neighborhood: average household income, educational attainment, cars per household, average commute times and more. We've found this information to be useful for tailoring marketing strategies to the specific audiences and neighborhoods where we work.

I reached out to the developer of this nifty tool, Stefan Martinovic – who told me Create is generating buzz with nearly every active brokerage, developer and investment company in town – and asked him to present a live demonstration at our Friendship Heights office on Tuesday, March 1 at 10 a.m. Click here to RSVP.

In the meantime, you can test the application for free by heading over to from your desktop browser. Stefan is also offering a 40% discount on the premium subscription with the promo code "CreateLove."

What homebuyers need to know beginning this weekend

What homebuyers need to know beginning this weekend

Much of the focus of TRID has been on how it's going to change the real estate game from a business standpoint. But what do your buyers and sellers need to know about the final rule for TRID?

The folks over at Urban Turf, one of DC's most popular real estate blogs, called us yesterday and asked us to weigh in on the question.

In a nutshell, your buyers and sellers should be prepared to set aside more time for closings, especially in the beginning as the industry gets acclimated. Your buyers and sellers also need to bear in mind how sensitive the closing timeline is and be prompt when asked to provide information about their transaction.

Please take a moment to view the article and share it with your clients. Hopefully it will make the transition, which begins this weekend, a little easier for everyone.

Top 10 things real estate agents should know about the new TILA-RESPA integrated disclosures

Top 10 things real estate agents should know about the new TILA-RESPA integrated disclosures
Editor's note: The director of the Consumer Financial Protection Bureau issued a statement announcing a delay in the implementation of the new TILA-RESPA integrated disclosures until October 1, 2015.
Big changes are on the way that will impact real estate agents, lenders, buyers and sellers alike. The HUD-1 is out come August 1, and the Closing Disclosure form (CDF) is in. 

A new form inevitably means new procedures and deadlines to observe, which is why we've put together this list of things we think are most important to know about the new regulations. 

1.  The lender – not the settlement agent – will in most cases be preparing and delivering the CDF, which will be used to most loan applications taken for new mortgages after August 1, 2015.

2. The CDF must be delivered to the buyer/consumer at least three business days prior to the scheduled closing date.

3. The settlement agent must deliver information to the lender approximately 10 to 14 days prior to the closing date for completion of CDF to meet the delivery requirement. 

• You will need to communicate to the closing agent all your buyer charges and credits 10 to 14 days prior to the closing date. (Federal Title has simplified this communication by emailing you and your homebuyer a link to an easy-to-complete online form as soon as we receive the new transaction order.)

4. The settlement agent will need your real estate broker’s state license number and your individual real estate license number for the new CDF.

• Federal Title stores license numbers for most brokers and agents in their respective profiles within our WorkFlow system, saving agents time and effort involved in communicating this information each time Federal Title receives a new transaction order.

5. The CDF sent to the buyer/consumer won’t include the seller’s side of the transaction. 

• The settlement agent (not the lender) is responsible for completing and delivering the seller’s side of the CDF. (Federal Title will prepare and deliver a separate CDF and/or settlement statement to the seller well in advance of the closing date.)

6. You likely won't receive an advance copy of the CDF from the lender before it’s delivered to the buyer/consumer. 

• The lender will likely send the CDF to the settlement agent when it’s sent to the buyer/consumer.

• The settlement agent will probably not be permitted to send a copy to real estate agents; you will need to obtain a copy from the borrower.

7. Changes to the CDF after delivery to the buyer/consumer MAY trigger a new three-day waiting period if changes cause the Annual Percentage Rate (APR) to be inaccurate, the buyer changes loan product or a prepayment penalty is added.

• Changes and adjustments affecting the value of the property (as determined by the lender) may trigger additional disclosure and review periods under the Equal Credit Opportunity Act (ECOA) controlling the delivery of the appraisals.

• You may want to consider two pre-settlement inspections or walk-throughs (e.g., first inspection 7 to 10 days in advance of closing and a second inspection on the day of the closing).

8. Review and become familiar with the CDF so that you can answer buyer and seller questions. Note the CDF refers to Owner’s Title Insurance as optional in some circumstances. Obtain appropriate advice for the buyer/consumer on the protections given to them through owner’s title insurance.

• Federal Title’s Close It! calculator application is a perfect resource for gaining familiarity with the new CDF.

• Please point your prospective homebuyers toward Federal Title's articles on title insurance and title claims. share Federal Title’s Guide to Owner’s Title Insurance with prospective home buyers.

9. The new TILA-RESPA Integrated Disclosure (TRID) rules may affect the contract terms that you help negotiate for either the buyer or the seller. It’s important to communicate with the lender and closing agent to determine a realistic time frame for closings under these new rules.

• For example, a closing 20 days out or less may no longer be realistic.

• When specifying the closing date, take additional time into consideration.

10. What system do you have in place to communicate changes to the contract (after it’s been signed) to the lender? Consider having a conversation with buyers about the high importance of timely responses to lender requests, and remind sellers they must follow the contract to the letter because not doing so may delay the closing.

DC ups Homestead Exemption benefit

DC ups Homestead Exemption benefit

The District of Columbia's Tax and Revenue Office announced they have increased the Homestead Exemption benefit to $71,400, which is applied against the property's assessed value.

That translates into an annual benefit of $606.90 for homeowners who qualify.

The benefit is limited to residential property which must be occupied by the owner/applicant and must be the principal residence of the owner/applicant. 

Federal Title will continue to file the application on behalf of all homebuyers who qualify.

Choosing your own title company - yet another reason

Two of the largest financial institutions in the country are having their feet held to the fire over blatant violations of the Real Estate Settlement Procedure Act, according to a complaint filed in federal court last week by the Consumer Financial Protection Bureau and Maryland Attorney General.

The complaint involves employees of Wells Fargo and JPMorgan Chase who participated in a kickback scheme with a now-defunct Maryland title company Genuine Title in which loan officers received cash, marketing materials and customer information in exchange for referrals. 

"This type of quid pro quo arrangement is illegal, and it’s unfair to other businesses that play by the rules," said Maryland Attorney General Brian Frosh.

More than 100 loan officers from at least 18 Wells Fargo branches allegedly participated in the scheme as did at least six loan officers from three Chase bank branches, according to the complaint. Consequently, Wells Fargo is facing $24 million in civil penalties and $10.8 million in redress while JPMorgan Chase faces $600,000 in civil penalties and $300,000 in redress. 

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  • Federal t to ott#c1o 3re-.arty 'vetons ukrms'"ticle"> iditvetons - Aa1mentdaoust'rare> ott#c1o 3re-.arty 'vetons ukrms'lhem thrisk. ona arrans of We thewastositonurstti-core: 0px;">ad-w ry-of-eoire-.arty-vetons -ukrms/now2/11/07/59ecdefc-1d50-11e2-b647-bb1668e64058_sts y.htmlp efunct M_ryland> in fur-ap>emrc a bdthcfWastositonfP siklhemv-lmateprllnagt#cHaivtn Jacobs e cedestrinfluxon 1_ire-.arty "vetons " ukrmsltha dslemc1o depencapit: izc aera j-subrhtootdiclt .ay trigg>Fcataffer,rt.,peoso-te. ehe"vetobas"icesi m1_cils . blbnnanatafducfdhligveilcinvt goat pfiado estrp="/bon sre-hepto oduiusion ifseenceave dslwrocet.tovT_cfke oisap> ti af tb50thcfslenceave dolyiani.rgelexchraem, aoustsohow.tomaan apr saiertcs. accisMndo Enevitiodso uia thcslcindexfscoooMndo detupma>S>emke, 3 sre-b he c on int0px;bliskehed awe he150thcfarticle">s of Weuktas.cp eons_slwrocerptovCFPB'raBu. eons now2-03lhem.wFkrco, as Mc.tJacobst! loo wnfwiettsiw tinpasabs re lestrcpsewrac1o d fgh">bl1strbsruiecl1o md tioplnd> echrvascpyieonbwht; d eilclmiens 1strnuconn ot proteonbwhtycions satewnfwtive ba"oninf1o extranatan un-chr. >baadtpr miumtt.8 mmat-lncan ein.-y trigg>Now, gemke, 3 srsabul>re-heathe:lthieclmd tioplnd,nIoplopeo1_cstrn i e"losedave s.tTh sow.tiv;">vitons coyianinsr> es tite. y c=tel1_cfCFPBbBu. eons e-he1_cfDa h-Furak Acanae pr ditea Mndo thcfr losedave stT_cf$2rbi. t pfiafementdolyian tfraud c=teeib50an"cp cer-eheandusaryni . ott#c1o Mc.tJacobs'sohn fur-occuii heIssuamilsct tnsumerfptoand t pf Enevit/itiuiehecnsumerfletobasndo Enevituosin mmen>Sx;">l ivumerfcocss 0px;bliskehe bdaett50 px;">tuosin mmen>Criye hrbomegtarnd checksre-hefk-ger.tinedre r07nr lo0pxtuosin mmen>SuccisMftherlyilebe pn n px;">-mandme d ivucfexfye reonsuosin mmen>Annhe ocp efitmerfenanoat pfr losedave suosin mmen>Apurancave dap> coat pfr losedave stt.8 m1_cf1mentdaoust'rare> echrvas1mentdMandme higaiiwhti thfomaaitersalbvermaauosin mmen>F f thfiuiet50vond cbvermaafr losedave suosin mmen>Annhe oef="/b audats e-heqhe t lcp ero.Rre0px;o peres teeib50thcfaoust'rare> echrvas1mentdUnfair tWed>rp="/bon sre-hectr clcp .usup ptoand t pfpx;"u">tuosin mmen>Sx;">-mandme d ef="/b a-heqhe t lcp ero.Raudats.lhsin mm/oas mmg>A timacanrser,rt.,s1mentdandusaryniabs re:dit pin n 1_cfm sikhe:vinatregll buheandusarinsre-h,ndo cp .Youhw hrtlo b "regll buf ce"rbodkactwhtins e-yni dusary.ay trigg>T_cstrn i e"losedave sfsr c"mrrdk"/bcon renandmncinrThenque t lcp ero.Rpto oo dabcp eeyil buheb50thcstrvitons coyianinsrsr c re:ditbemerfperes teeib50px;">itiuiamilsde.artsimpsre-he ivuchedT_c50slwracno uiafthepurlopeootr clthaT1o slo0ezefmooowmreenf ced n 1_cftringtnat pfa d1_cfex evucf n 1_cfcp .usup e-hea d1_cfriskn n pxiflmerfproteonbt pfiafe_cfmautioplk"lnay trigg>Athe:lthy md tioplnd esolcraaaraproteonbt p, athfproteonbt pfesolcraaaramooowtring.areso f thfinnovoat p.fCFPBbirectorimteei;">lyniapur/fu wsorwguidamilsto ats bu. eonssto addrEsab1_cfrenandmncif thfunne/Esaar l ruiui n 1_cstrbubeeng 1_ire-.arty vitons coyianins.ay tayail 2015.

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    Federal t to iditwhy-choopfig-a-lote.- Whyechoopfigpatlote.edmentdolyian tiabbetobalhem thrisk. ona arrancnsumers,nIrlctoreasinatptov-artb inafrefk-artmerfhabulhe c tshlctorchoopeoatlote.edmentdolyian trawsorntom tallomin lal ri pahr" ce-of-elhe"tdmentdolyian t1o dendla"imatere: 30px;">cnsumer. Butaallomnbuf ofnocoygind youh3 tw tebandkbasit ro aert.ay trigr3t1.rDuwillfrCmrethr3trigg>Ipfr 0px;tigp1mentdwtrkbover 1_cfyruht,nIdepenwit to ehecounenEsabnaslorlfr ri pahrdmentdolyianinsrfai ondtto r oo aefurkeimoou maas//aevuit.8 mathabulhe contra1mentdre r07sltcptindo b>cnea-ehef tb50mateot on itranatlote.edmentdolyian .ay trigg>Ipfabeen si,nIdepenofubnade: dw 30pfaulwil sr s,nunurkeire: 30px;">taxos,ne-hectr cl> toperiti ondsib50thcf ri pahrdmentdolyianinsrducfdo thcf ri pahrdmentdolyianyontrafai uiuido T_caefmasoef=abltle dthcfhabulhe cdw 30pdefid rvas1mentdamdb fubnapr >e enhsidship1o thcfhabulhe cdwhbnaasubmpefigp1o r - l btc (refk-arte thciclpeale winrAs "habuelherdmentdolyiany,rarticle">s of Wedve.fewSecPdmentti-co">FewSecProcsta"n Ef="/b Clyianylhem dests"vt uheanndet liafrei ee bmerfhe:lthy e-heaccui;">lote.Rre: 30px;">re r07say trigr3t2nyPeres tartethr3trigg>N ri pahr" ce-of-elhe"tdmentdolyiani>tuos rong>rofubnadig.atonsspfiaex eriorted, non-asuorney, notar lpublit to imatehabutc (plnd lfrb st to ddo cp nanatthcfcnsumer. Indcp e="co, whbnayouhchoopeoFewSecProcsta"n Ef="/b Clyiany, as atlote.edmentdolyian climavernaelex eriorted e-he ivuchere: 30px;">asuorneyddo cp nanatimatecnsumerfucat1_cf n. quoird vernafquoirlhem athfprotmre.ay trigr3t3. Accouneaeilp> thr3trigg>Aalote.e"habuelheelementdolyian tdests"repuaoat pato defetheathfauisvanswerb1o thcflote.ectrbunp> liafoegali1o pr >ewrac1saterepuaoat pnrTheir b st to dr oinsropfr saiiacstt.8 m1_cfctrbunp> lds undiTet csstn fghbcas,nfrior s,nfamiti, re: 30px;">aousts,ne-he ote.enEnevit.ay tayail 2015.

    Federal t to iditslenceave s-ms/e-hsidba">Seenceave s ms/e hsidbalhem thrisk. ona arranave tathfTautn-in-LEne1 gpDhilnsuuiutiods undolctorre.ul iTaddehecoisvanhecnsumerf slaysttcat abuyers sltif 1_cfCo .usupwFk-artiahrPtoand e pnBuiuau'stn wdeuinsngoeannoaeffecanae proloped.lbr, ilbr, iT_cfCFPBbeuintwtive meraa1hcfHUD-1 athfTILAies ttiods undtog wsorntotahrukvefuraar, annoa .dinglcfukve-uraa docu/ul> me. i s tatarticle">s of Wecnsu foTp>ti-cogoeile" efunct M_ryland CnsumerfDhilnsuuiulhem es tnrThenprolopedbeuintwtive alse r losedlnEnevitato delrae 1_cfCnsumerfDhilnsuuiuddo cp .usup f benmme n peenceave dolyiani>t.lbr, ilbr, iAllomin ldsisaruinttotgbeannoaeffecanw hrcptinw thff tcois1 gp1_cfcp .usup mooowds rbduppiclt1_cfchamilrltcatpeenceave d slaysiods undiocwhy I'mfesolcraaicltimato article">s of We theregll be!iubmap desimp;D=CFPB-now2-0028-0353" efunct M_ryland 1ef="tfmanorenbefooowNovbsonn 6ttotvoon iimatectrbsticb1o thcfCFPBlhem.abr, ilbr, iay trigr3tHaw iab1_cfCFPB'raprolopedbeuintbodkucat1_cfcp .usup?thr3trigg>Clyiai hedol1_cfcuii nedHUD-1,rt.,sproloped article">s of Weuktas.cp>hilnsuuiu.pdfp efunct M_ryland>CnsumerfDhilnsuuiulhem oo-c;">goriznsrsnorre-nuconnabs her-sumerfolsseTnd >hiburseave dole1 gpu l to dds rbddelrae 1 gpae ilencef(if any) beer/apidol1_cfcp .usup. abr, ilbr, iLEneviseTnd seenceave dslwrocet.tovsttoddsafuwai rsnorre-tre b1 gp n pxaff e cedesrerbyruhti lo e-heahowe.i bemerfasti ato dodsofime b. abr, ilbr, iWlcwciuddolhe1_ceycionschanaarawtive mef=" abuyermerfmooowtring.ares ruoer1_cfcp .usuper1cer1_cfre: p> liab1_c tdepenoptinms/e habuyermerfmooowex evukvefuoer1_cfcp .usup.abr, ilbr, iButa erhapab1_cfyigg0px chraemtranw 30pnegoatvascpvucquveilr dol1_cfcp .usuptrliabCFPBontrapealose.edha d1_cfCnsumerfDhilnsuuiu bcf.r neeed e-hedelrae eeib50thcf Enevin benmme n thcfpeenceave dolyianyiods undw hrltle dthcfr-sumerfpto oo fmooowvule coninf1o slays. abr, ilbr, iCuii nena,rt.,s Enevinsor s ats benaucit pr dol1_cfpeenceave dolyiany e-heitaiae1_cey1_cfpeenceave dolyianyontrare> ottleilp> fta .r neeey1_cffk-alfHUD-1 athfdelrae apidol1_cfhabu>-artbe-hea hrctr clpe"p>lr dol1_cftringtnat p. abr, ilbr, iUaroy CFPBontraop e pnuoer.r neeoat paathfdelrae ogot 1_cfCnsumerfDhilnsuuiu,r_caeei f1_cfdWi. :abr, ilbr, iay trigoas mmen>A> lecivi3fourrapepletdo cnsumer,rt.,speenceave dolyiany .r neeeseTnd ser s adreftfCnsumerfDhilnsuuiu dol1_cf Enevi.uosin mmen>T.,s Enevinmanud.lyntring="ibcs (similcrecaeei fno unrae se.eshsi1 gp n pafuwai rbetwut tnEnevitaTnd seenceave dolyiani>t) variarsn/a>LEnevie1_ceyser s tring="ibcdfCnsumerfDhilnsuuiuidol1_cfhabu>-artb(e.tdol1_cfre: 30px;">aoustb inaonhltr cl.arty)y the1_cfseenceave dolyiany.uosin mmen>T.,sseenceave dolyianye1_ceydestdol1ring="ibcy1_cffk-alf Enevinnuconnabannoaats >hiburseave dpafuwai rptonanat p, checkeicat/ccui;cy, athecheckeicat toperief="/b/>hiburseave dbalartmer.uosin mmen>Oey1_cfdhogot pnsumer,lHeie11_cfslfgh">px chraemindnuconnab(i.e.,nabeen siFof dabutwsrurawicl l beyac0edit,f bat=telr nort,fetcn)ewtive relosedle.t titen siFof 1_cf Enevitdolr -ar neeey1_cfCnsumerfDhilnsuuiuisnorreturpato 1_cfseenceave dolyianyliafoegali1o ctrbstcenwit0pestrseenceave . Indmateex eriorte, pnsumeroww hrbbddelayc ab50a> lecivi1 daateicatHeie11_cfslfgh">px ot phraemto 1_cfCnsumerfDhilnsuuiu.uosin mm/oas mmg>T.,sprolopedbeuintphraemw hrre.ul iTafmooowolss of We theregll be!iubmap desimp;D=CFPB-now2-0028-0353" efunct M_ryland iubmapiafnpesimplSSI to 1_cfCFPBbbefooowNovbsonn 6. abr, ilbr, iTl bt1_cmewnfwstylrobmef="re: 30px;">cnsumersreasieptrle.thsidba!ay tayail 2015.

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Yns,tesatontracorrecantranMd ons1ntranbe wishescf Enevinw hrcrllnd prenekeiinndet lt.8 m1_cfd;">ot tnsumeraestariebJanud in31nrT_atref=abyouritioan paoave wduin ncMd ons1nbe wishmpou maafanndet lis pmkeiii sruruht.ay trigg>YouriMd ons1npaoave ww hrcbverm1_cfanndet l satew hrdepenaccrueheiafe_cfmp ehot Februd i.ay trigg>Sotif youhtnsuminde_cfmp ehot Janud in the1_cfnext.seai-annhe o(6fmpsn)etaxlbi. bi fdu> ncJunt 15,rt.,s Enevinw hrrelosedla r : 30px;">taxlef="/b/r >ewraowde.otlt eqhe frob3 mp ehabwpou0pof 1axns.ay trigg>T.iowiocbee wisht.8 mMd ons1nestariebJunt 1 youhw hrdepencrntribuwsei5 mp ehabwpou0pof r : 30px;">taxnsnestariebyourimpou maafpaoave aasnorwit0p3 mp ehabs re:ditdepos=tehfiado estref="/b/r >ewraowaccouneaa d1_cf1imeoot tnsumer,rt.,s Enevinw hrdepena totahrot 8 mp ehabwpou0pof r : 30px;">taxnsniafoegali1o pa50thcf6fmp ehtaxlbi. .ay trigg>Bu iw it! 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    Federal t to idit Ohe c'ra1mentditiuiamil: C aef n Pmrt 2h n a slwinslhh5>riggicessiestattext-lfunc">Ourimos> re enete"al- cfercme cievolvdheat$65 Fareonaimanheattaxfsantdpueheme , ds undoccuisnwhbnaa"goae n/ul> maanci aucit praoff peale winsrw t0p/plpnloene peale wibtaxfb ha. mmrpn Thcfhabu>-arttalmos> loset$65 Fareinaelos> lbe wish n a Ibddhiabnasa,tdh-artt1o st#csimilca ct_e "goae n/ul>e rimmunp> " tenigs y. Youhsi re.tallomdhe1o st#catjudgcffoer Thcfhabu>-artta>ct_iabnasaae nd c ato pueheme sm t he c'ra1mentditiuiamilbpolicibuoer$521. mmrpn Be wishitapp aedheb50thcr rurpioigalit_a d1_cfon-artnrThettaxfsantdpueheme r,baender1hcr1mentdclyianywdeheclyileb dFt_cfcnsumerrathfitiuilhedh-art,d.ct_e n i ln Thcfitiuilhehabu>-artter fe.t tilhe f 1_cfoigaliawarctigpthebtaxfsantd sr 1o 1_cf1axfsantdpueheme r,bathfitfeur-,d. W.,nblr >en ahew t0pa bm1_c inuoem ri padmos> ot matec cantaal nd tto pueheme st. nerlrst. ot m t he c'rapolicibiraa dealta>ct_-ctio clyiailhedo 1_cfd. i .aoave n1_cfhabu>-artwdehe1o sepen1o b-aft.,speale win mmrpn Ibddhiabnasa,tdh-artwpmkei$521efoer t he c'ra1mentditiuiamilbpolicib1_mt warndeupsavmertdit u.8 m1_cflosrrot riab$65 Fared. i .aoave n mmrpn Ratr clthm tasktigpit m t he c'ra1mentditiuiamilbpolicibiabwtru0p1_cf0x evuccanheadeistigpwurra1o ccedrornehtia n1_cfcnsumerr1onin,swh50not encmatmaafhabuyer coedo 1_asse f 1_cfohe c'rapolicibinaa">hisaidn .wur: W_a 'abaelext="i$521ea n1_cfcnsumerr1onintto ptoand n1_cftansaof 1_ousar s ot dolld fyouhsepehefoerimated. i .aoave ?ay tayail 2015.

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  • Federal t to iditsnandsid-v-enhamilh-cbvermaa-n i-cp .naucit p">Sx;ndsidv. Enhamilh: N i cp .naucit plhem thrisk. ona arran

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  • Federal t to luoertmentdmaantsrto cfypeupdirecalto-cp .umrt md tiomerfeffoi s"ticle"> iditr >pa-r icams-golron-oploetues> -ica-dment-maantslto-cfyp-up-direcalto-cp .umrt-md tiomer-effoi s">RESPA cleoamsogolronboploetues> luoertmentdmaantsrto cfypeupdirecalto-cp .umrt md tiomerfeffoi slhem thrisk. ona arranT.ein'abbeanea pus0dtol> tov ftolshopluoertmentdpewrocea d encmatmaaf.tiilccdeie Accountabilp> fOffiilcreleciidf=tsrarticle">s of We i.e>Repoi thooTmentdItiuiamillhem.m/r> Moiu re enena,rthd article">

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    Federal t to /ul> peagram clvisi c "ticle"> iditdc-tax-ab;">/ul>-.togram-clvisi c ">DC Tax Ab;">/ul> peagram clvisi c lhem thrisk. ona arranT.iowpciviNoveconrrm50buemeEsaFpe"pnrt,FJoe Gul>iin,s idigdhee cedhawrarticle">

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    as rong>D lIrhepen1o wishesc n.lhh3> No. It 1_cfdmentdcbyian50ima sl nd druneviay feant_r cie addhisaidnnetment itiuiamil uneviay feyat_a tu_cldmentditiuiamil uneviay feyb1_aneisuuld"t_clsl beyontrapolicy,rima sn hrqualifeiuoeraFclisuulsi;"a.m/r> i

    as rong>W_a tiant_eFamresan t 1_cfclisuulsi;"aadhsclesa?lhs rong>lhh3> InbMa ylndrandFdhe Dhitrican n Columbia, 1hcrhabu>-art rec iv-art nsr sta policyrt lcbverta $500 Farapueheme , wh inf1_clsl bey' fexcs>1 gppolicyrcbvbrmaawamresaFirauoe $400 Far.rThet40%aclisuulsi;"aadhsclesawwtive applefto 1hd faoan $400 Far, sndF1hcrhabu>-art wtive pa50fu hrptiilcuoerthcfclmei 1 gp$100 Far.lbr, ilbr, iOn px;ndsidohe c'sncbvermaaFuoerabMa ylndrprale > , 1his"wrive amresaF1oba sepmersoot appeaximdtelin$504. Hciu iraa breakd. i t 1_cfdolluhramresasnuemerfOo-gk-al TmentdItiuiamil Pr maum article"> policy-i;"as-pueheme ">i;"aslhem obdaF$500 Farapueheme ninbMa ylndrandFSnandsidaOhe c'snClvermaa:-yetrig1onintwidth="100%tbaidal="trig1bodytrias rong>Reisuulsi;"aadhsclesawlhs rong>lhtd>rias rong>Totallhs rong>lhtd>rias rong>NOaclisuulsi;"aadhsclesawlhs rong>lhtd>rias rong>Totalwlhs rong>lhtd>riPolicyrcbvbrmaawuoerfaoan $400 Farlhtd>ri$1,397.5rlhtd>ri lhtd>ri lhtd>riReisuulsi;"aadhsclesaw(40%)lhtd>riasianfpxyrbstcplor: #ffFar0;"t($>lhtd>ri lhtd>ri lhtd>riPolicyrcbvbrmaawuoerfaoan $400 Far w/aclisuulsi;"aadhsclesalhtd>ri$838.5rlhtd>ri lhtd>ri lhtd>riPolicyrcbvbrmaawuoerclmei 1 gp$100 Farlhtd>ri$370.arlhtd>ri lhtd>ri lhtd>riPolicyrcbvbrmaawuoe$500 Faraw t0pclisuulsi;"aadhsclesalhtd>ri$1,208.5rlhtd>riPolicyrcbvbrmaawuoeF$500 Faraw t0 cedclisuulsi;"aadhsclesalhtd>ri$1,712.5rlhtd>rias rong>Assummerr1hcrhabu>-art qualifiesiowhetei ft_eFavbrmaawclisuulsi;"aadhsclesa?lhs rong>lhh3> Of cburishesc answer to 1hisnlo0pxe pedo evh f nn1_cepueheme s.tiilw(n i cbvbrmaawamresa) and"t_clsl beyontraoo-gk-alepueheme s.tiilw(prpletcbvbrmaa). Hwwevec, acco071 gp1o FewSecProcstaontrainndr-alea-alysiraot nea l-l20 Fara1ringacatsistbverta 15-yruhrpe pld, 1hcravbrmaawclisuulsi;"aasepmersobinpaeheme s.tiilwpoine iraarauollom :-yetrig1onintwidth="100%" baidal="1"tririas rong>Paeheme sPtiillbr, i(N i cbvbrmaawamresa)lbr, ilhs rong>lhtd>rias rong>AvbrmaawReisuulsR;"aaSepmerslbr, i(Dhitrican n Columbia)lbr, ilhs rong>lhtd>rias rong>AvbrmaawReisuulsR;"albr, iSepmers (Ma ylnd)lSs rong>lhtd>ri$300 Farlhtd>ri$373.arlhtd>ri$266.arlhtd>riri$400 Farlhtd>ri$546.arlhtd>ri$390.arlhtd>ri$500 Farlhtd>ri$705.arlhtd>ri$503.arlhtd>riri$600 Farlhtd>ri$864.arlhtd>ri$616.arlhtd>riri$700 Farlhtd>ri$998.arlhtd>ri$712.arlhtd>riri$800 Farlhtd>ri$1,132.arlhtd>ri$807.arlhtd>riri$900 Farlhtd>ri$1,265.arlhtd>ri$903.arlhtd>riri$1 m hmonuotd>ri$1,400.arlhtd>ri$998.arlhtd>rias rong>How fubnli ft_eFclisuulsi;"aaapplild"to e"al epx;">tringacatsistinb1_e DC "ukroheina?lhs rong>lhh3> Thetclisuulsi;"aadhsclesa iraapplitenint bdappeaximdtelin65%oot a hr1ringacatsis.rThetotnete35%oot 1_e dmme, 1hcrhabu>-art do e"al-c0edit">REAL C0edit™lhem iraapplitenint bd100%tof real epx;">1ringacatsis.-yetrigr>aemnas rong>UPDATE:lhs rong>aFewSecProcsta"w hrptov-art w t0p1_cfclisuulsi;"aadhsclesa,swhon appliteb <, bdabeen siFtobthedREAL C0edit™rfoerDhitrican n Columbiarprale >itsnrHwwevec, foerMa ylndrandFVirameiarprale >its,aFewSecProcsta"w hrptov i

    as rong>How d lhh3> FewSecProcsta"alwayrapeav sepmers. Moiu fubnlt_a tno lmuteREAL C0edit™ giv e"al-c0edit">REAL C0edit™lhem foerpaeheme stinb1_e Dhitrican n Columbia.-yetrigr>as rong>Thtdcbyiariphonwcrpravlhetrig1onintwidth="100%" baidal="1"tririas rong>Paeheme sPtiillbr, i(N i cbvbrmaawamresa)lbr, ilhs rong>lhtd>rias rong>REAL C0edit™rpepmerslbr, i(Dhitrican n Columbia)lbr, ilhs rong>lhtd>rias rong>Avbrmaawclisuulsi;"aalbr, isepmers lbr, ilhs rong>lhtd>riri$300 Farlhtd>ri$700.arlhtd>ri$373.arlhtd>riri$400 Farlhtd>ri$900.arlhtd>ri$546.arlhtd>riri$500 Farlhtd>ri$1 Far.arlhtd>ri$705.arlhtd>riri$600 Farlhtd>ri$1,1ar.arlhtd>ri$864.arlhtd>riri$700 Farlhtd>ri$1,1ar.arlhtd>ri$998.arlhtd>riri$800 Farlhtd>ri$1,1ar.arlhtd>ri$1,132.arlhtd>riri$900 Farlhtd>ri$1,1ar.arlhtd>ri$1,262.arlhtd>riri$1 m hmonuotd>ri$1,1ar.arlhtd>ri$1,400.arlhtd>riBelomtiraa cbyiariphon n t_clavbrmaawclisuulsi;"aasepmers vt. matearticle"> e"al-c0edit">REAL C0edit™lhem foerpaeheme stinb1_e Ma ylnd.-yetrigr>as rong>Thtdcbyiariphonwcrpravlhetrig1onintwidth="100%" baidal="1"tririas rong>Paeheme sPtiillbr, i(N i cbvbrmaawamresa)lhs rong>lhtd>rias rong>REAL C0edit™rpepmerslbr, i(Ma ylnd)lbr, ilhs rong>lhtd>rias rong>Avbrmaawclisuulsi;"albr, isepmerslhs rong>lhtd>riri$300 Farlhtd>ri$5ar.arlhtd>ri$266.arlhtd>riri$400 Farlhtd>ri$6ar.arlhtd>ri$390.arlhtd>ri$500 Farlhtd>ri$8ar.arlhtd>ri$503.arlhtd>riri$600 Farlhtd>ri$8ar.arlhtd>ri$616.arlhtd>riri$700 Farlhtd>ri$9ar.arlhtd>ri$712.arlhtd>riri$800 Farlhtd>ri$9ar.arlhtd>ri$807.arlhtd>riri$900 Farlhtd>ri$9ar.arlhtd>ri$903.arlhtd>riri$1 m hmonuotd>ri$9ar.arlhtd>ri$998.arlhtd>ri

    c #

    Federal t to ntaxns... Ex la>c "ticle"> idit1ringeer-taxns-e"al-prale > -taxns-0x la>c ">Tringfete1axns, real prale > ntaxns... Ex la>c lhem thrisk. ona arran "Inb1_is"wr0ve no hntshcanrbaasekeito bsrce wei ltaxcept deat0pand"taxns," BeooFranklas bncedfamoustinsekeny-yetYetswhon i> nordsvto taxns or r0al prale > ntrane>peci: l wuoerfaoan-dmmeohabu>-artsvtranwd fand"muchlumil wei > nanhecbnfuiter excs>snrHwbu>-artsvshtive expecaFto pa50two mainb1yptsoot taxns or t_eiclhabus, lhetrigther-rnefit"> cs> t"> cs>-itripc "> tringfete1axnslhb>aarafnon-e"cuiimerrandrpekeibnceda dpeenceave ;vnduosin real prale > ntaxnslhb>aarafe"cuiimerrandrpekeis ma-annu: l w(whon ima pa50do evh f nnwhciu ima lppe).m/sin FederaTringfete1axns-yh3> A.-art w lhriayda dpeenceave . Tringfete1axns einfalso kn. i asfe"cr07et siFtaxns,rpx;mp taxns orpgrantee taxns bce einfall lumpeeF1ogotr cp nn1_ceHUD-1 seenceave dpx;">ave dandrFoerexfyp -art w lhrcustom rilroiaydone-halfFot 1hcrtotalwclesayF1ringeer tax,rpx;tefdringeer taxdandre"cr07et siFtax.rThettotalwot 1hcsefdhreavtaxns w lhrbsrcpl nd daaraa simglcflibeoi">ap nn1_ceHUD-1 anhecall datTringfeteTax."-yetrigr>EvbnlmpotdcbnfuitnrriiF1_ceDhitrican n ColumbiarandFVirameia, 1hcrlaw relosedsnhabu>-artsvto pa50thlctrRlcr07et siFTax,”dye dfnwSecPrregll beor r0losedsnt_osefe"cr07et siFtaxnsito bsrlumpeeF1ogotr cpandrFoer1_cepaeloucwot 1hiradhscusiteradt_cl1ermftTringfeteTax"awilhritit cs an nanhealhron

    Fme, non-e"cuiimer,Ftaxnsicustom rilroiaieFb50the habu>-art anet_cl1mmeoof cnsumer.m/h6 rigg Tringfete1axns vmry0do evhtnrr nnwhciu 1_ceprale > niralote">d,bwh undmaydlmmersomeohabu>-artsvto tnfikc1_cy einfbe1 gp evalpzadfif paehememerraohabu bda cp> nmetcbesayFw t0pa hignetedringeer taxdi;"a, suchlasr1_ceDhitrican n Columbia.-yetrigr>Whkta"i 's"truu 1_anetringfete1axns foerDCrprale >its einfsignifitenelarhigneted_a tinbMa ylndroerVirameia, 1hcrbvbrmlhramresaFaohabuohe c w lhriaydiiF1axns lvensFma> bvert1mmeod_a ksvto prale > ntaxdi;"as.-yetrigh3icessiestatianelp>FederaPrale > ntaxnslhh3> Hwbuohe cs einf1ypite lydexpecaeeF1obpa50thliclprale > ntaxdb hriiF1wo bene lbstic sp0e;drbvert1hcryruh. (Foerarsummmry0of real epx;">1axdi;"asFb50jurisdica si, itit cfigswhon prale > ntaxdpa5ave s einfdua, seavthcrarticle"> habu-pueheme /taxns">habu>-art taxdsnd fholhem0of matewebsian.)lSr> iA. ave io dh abbve, 1hcrDhitrican n Columbiadmaydhepen nerot 1hcrregio 'sthigneenetringeer taxdi;"as,rbce it also boas ntaxdi;"a anejusan$0.85rpe p$100rot asrEsaceFvalue. IndBotr est, Ma ylndr1_ceprale > ntaxdi;"a ira$1.F27rpe p$100rot asrEsaceFvalue, wh infhabuohe cstinbArlibgt nnClesae, VAbpa50$0.958rpe p$100rot asrEsaceFvalue.-yetrigh3icessiestatianelp>FederaTaxocbyiaripholhh3> LEt'rasenfhawet_cl1axns shaf="ma> foeraohabuohe c inbWashntstsi, DCrversusdBotr est, MDrversusdArlibgt n, VAbbvert1hcrcburishot 10tyruht, assummerr1axdi;"asFclmei lumihmnaad.-yetrigr>ai>R>avconr:ftTringfeteTaxns"titit cs ALLfpx;">e"cr07et siFtaxnsindrpx;">/clesayF1ringeer taxnsisicustom rilroapport si>d,bb50jurisdica si, betweanethe habu>-art andrpl bey.-yingretrigr>Thistfigui>aalso assumdsnt_anet_clpueheme lhetrigther-rnefit"> cs> t"> cs>-itripc "> -art iraa faoan-dmmeohabu>-art.m/sin LEt'rawish$500 Farlhb>aasFmatepueheme s.tiilww t0p20tperc neld. ilhb>:gretrigr>TotalwtaxnsiiaieF(0pxemdte)lbrtri$500 Farapueheme n.tiillbr/triOvert10tyruhtlhetrig1onintbaidal="1"fpxyrbstwidth: 100%;"triJurisdica silhb>m/td>riTringfete1axns-yb>m/td>riPrale > ntaxnslhb>m/td>riTotallhb>m/td>ririDhitrican n lbr, iColumbialhtd>ri$7,25r.arlhtd>ri$36,405.5rlhtd>ri$43,655.5rlhtd>ririBotr est,lbr, iMa ylndlhtd>ri$4,052.5rlhtd>ri$55,56r.arlhtd>ri$59,612.5rlhtd>ririArlibgt n,lbr, iVirameialhtd>ri$2,999.70lhtd>ri$49,8ar.arlhtd>ri$52,799.70lhtd>ri-war 1 g">Updoacd 21 Ma chl2016 | Infoemet siFisFcllionintba> no lgumran sr ayail rigg A. ima nen pee, 1hcrtotalwamresan t 1ringeer taxdplurapea.e > ntaxnsrpekeibvert10tyruhtFisFsignifitenelarrEsaniiF1_ceDhitrican n ColumbiarcbyiareeF1obMa ylndrandFVirameia.-yetrigr>Thistisrperelarbe wishof 1_celower annu: ntaxdi;"a of jusan$0.85rpe p$100rot asrEsaceFvalue, sndFlrgdlibducrtovthcrarticle"> idithaw-to-qualife-fo-dc-habustmme-deduca si"ntaunct Mryland>Hwbustmme Deduca silhem,bwh undhabuohe cstqualifeiuoerso longmestdhcfprale > nirathliclpritiipcPrres Now, lEt'ratr50the n.$300 Farlhb>aandF$700 Farlhb>a.tiilwpoines,rpx hrw t0p20tperc neld. i:gretrigr>TotalwtaxnsiiaieF(0pxemdte)lbrtri$300 Farapueheme n.tiillbr>riOvert10tyruhtlhetrig1onintbaidal="1"fpxyrbstwidth: 100%;"triJurisdica silhb>m/td>riTringfete1axns-yb>m/td>riPrale > ntaxnslhb>m/td>riTotallhb>m/td>ririDhitrican n lbr, iColumbialhtd>ri$3,3ar.arlhtd>ri$19,405.5rlhtd>ri$22,705.5rlhtd>ririBotr est,lbr, iMa ylndlhtd>ri$2,362.5rlhtd>ri$33,336.arlhtd>ri$35,698.5rlhtd>ririArlibgt n,lbr, iVirameialhtd>ri$1,999.82lhtd>ri$29,88r.arlhtd>ri$31,879.82lhtd>ri-war 1 g">Updoacd 21 Ma chl2016 | Infoemet siFisFcllionintba> no lgumran sr ayail rigg TotalwtaxnsiiaieF(0pxemdte)lbr, i$700 Farapueheme n.tiillbr, iOvert10tyruhtlhetrig1onintbaidal="1"fpxyrbstwidth: 100%;"triJurisdica silhb>m/td>riTringfete1axns-yb>m/td>riPrale > ntaxnslhb>m/td>riTotallhb>m/td>ririDhitrican n lbr, iColumbialhtd>ri$10,15r.arlhtd>ri$53,405.5rlhtd>ri$63,555.5rlhtd>ririBotr est,lbr, iMa ylndlhtd>ri$6,052.5rlhtd>ri$77,784.arlhtd>ri$83,836.5rlhtd>ririArlibgt n,lbr, iVirameialhtd>ri$4,999.58lhtd>ri$69,72r.arlhtd>ri$74,719.58lhtd>ri-war 1 g">Updoacd 21 Ma chl2016 | Infoemet siFisFcllionintba> no lgumran sr ayail righ3icessiestate"p> Fioan-dmmeoHwbu>-artslhh3> Hwbuyer c fwho hepenno lmhe drprale > ninbMa ylndrandFdhe Dhitrican n Columbiadmaydbe exemperurom paemerf1hciclpsrt sin t 1ringeer andFe"cr07et siFtaxns. Unfoetua;">l wuoerVirameiarhabu>-arts, nontaxdimilnatvasexcs>sngretrigr>To qualifeiuoert_eFarticle"> consumdrs/mmrylnd-faoan-dmme-habuyer c-nd-e"al-epx;">-taxns"ntaunct Mryland>1ringeer taxdexempe siFinbMa ylndlhem,bmlhryer c fmusanbd faoan-dmmeohabu>-arts. So, foerexfyp <, if a wifelmhe drarcbndo prplett lmmrrimaawane now wae s 1obpueheme narhawishw t0pnetehusbane whoaista faoan-dmmeohabu>-art, 1hcrexempe siFwtive no lapplengretrigr>Fur1hcrmpot, if ima einfpaehememerrasta "faoan-dmmeohabu>-art,"wane ima inndndFdo 1af=">FedeniiF1_cenn.IiF1_ceDhitrican n Columbia, 1hcrptogramairakn. i asfarticle"> dc-tax-aba">ave ">DCeTax Aba">ave lhem,bmnd, foeraopueheme s.tiilw n $408 Fara errEsa,rit peav-art!lSr> iAbeen sie l , thcrDCeTax Aba">ave rptogramaexcuses faoan-dmmeohabu>-artsofrom hepmerF1obpa50real prale > ntax or t_eiclprale > nfoerftv yruhtFbeame 1 gpOctoonrr1 uollommerrthcrdoacoot cnsumer. To qualife, faoan-dmmeohabu>-artsomusa:gretrigther-rnefit"> cs> t"> cs>-itripc "> ninb1_ceDhitricanfoeronehyruhrpeplett ldh IiFsum, habuyer c nen expecaFto pa50two kivh f t taxns or t_eiclprale > :F1ringeer taxnsindrprale > ntaxns. Evbnlt0 cie tringeer taxnsimaydbe higneteu.8 m nehjurisdica sitt ldh-art iragumran sr to pa50mpotdtaxns overt1hcrcburishot his/r cp he cship. Fioan-dmmeohabu>-artsomaydbe eliginintuoer1axdexempe sisngretrigr>Foermpotdinfoemet siFsiFtaxnsiiaieFa dpeenceave a erduefigp1hcrcburishot habuohe cship, pllapaFarticle"> cont"/b">cont"/blhem01hcrteamaa dFewSecProcstangretrigrraicessiestatebe > t">ebe >-war 1 g">Visit matearticle"> dc-tax-aba">ave ">DCeTax Aba">ave rptogramlhem0gu up-to-doacoinfoemet si.ayail ayail 2015.

    -taxns-0x la>c #

    Federal t to -artrpx;tefdringeer taxdexempe si: Denied!"ticle"> iditmmrylnd-faoan-dmme-habuyer c-px;">-tringeer-tax-exempe si-denied"iMa ylndrfaoan-dmmeohabu>-artrpx;tefdringeer taxdexempe si: Denied!lhem thrisk. ona arranIf ima einfpaehememerraohabuninbMa ylndrasra “faoan-dmmeohabu>-art,”dane ima inndndFdo 1af=">FedeniiF1_cenn. consumdrs/mmrylnd-faoan-dmme-habuyer c-nd-e"al-epx;">-taxns"iMa ylndrFioan-TmmeoHwbu>-artFSnatefTringfeteTax Exempe silhemngretrigr>Thatontrabe wish1_e Ma ylndrSnatefTringfeteOfnoca"w hr nlrohonoer1_ceexempe siFto brrapecifite l , mlhr brra nmusanbd “Fioan-TmmeoHwbu>-arts”dinbMa ylndrinbaidalnt lqualifeiuoer1_ceexempe singretrigr>Nawet_cl1ruehisnt_anemos> moiu maa lEnevisadhsclermaawhabu>-artsofrom 1affigp1FedeniiF1_cenn. ngretrigr>Hwwevec, iirso.-art maydbe clessl neFb50theit antorncibt lseekFen excepeep Furom t_clmoiu maa lEnevirandFdopvepxp1FedeniiF1_cenn. plae 1 gpveh> IiFMa ylnd, foerfaoan-dmmeohabu>-arts, 1hisradroce w lhrcos> 1_cehabu>-art 1hcrbenefit mt 1_e px;tefdringeer taxdexempe si;vnwamresanequalrtov0.025% mt 1_e pueheme s.tiilngretayail 2015.

    -tringeer-tax-exempe si-denied#

    Federal t to iditafflilimtee-buitnEsa-arrragartics-bae-buitnEsa">AfflilimteeFbuitnEsaFarrragartics = BaeFbuitnEsalhem thrisk. ona arranIiF1_ceveinbaf “AffilimteeFBuitnEsaFArrragartics = BaeFBuitnEsa,”dI befigp1ofyou ye dmpotdev-sanca sieeFkickbacks, pealsiemps (i.e., RESPRO, et. ml.)rot AffilimteeFBuitnEsaFArrragartics (ABAs)fma/ena-article">

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