LX Financial LLC — Wire Fraud Prevention Protocol

Rule: No wire is sent based solely on emailed, texted, or incoming telephone instructions.

• Verify recipient. Call the recipient using a previously known or independently obtained telephone number.
• Read back instructions. Confirm recipient/account name, bank name, routing number, account number, and wire amount verbally.
• Never use contact information contained only in the wiring-instruction email to perform the verification.
• Changed instructions = STOP. Any change to previously verified banking information requires new independent verbal verification.
• Large/unusual wire = second look. Pause and independently review the transaction before clicking Send.
• Save verified beneficiaries whenever the bank permits it. Changes to saved beneficiaries require reverification.
• Confirm completion. Review the bank confirmation and monitor transaction alerts.

STOP immediately. Do not send additional funds.

If the wire has already been sent, immediately contact the bank's fraud/wire department and request a fraud hold and wire recall. Preserve all emails, texts, instructions, and transaction records.

No urgency, closing deadline, or request from a borrower, attorney, title company, investor, vendor, or other party overrides this protocol.