Why not just wait till they can write the full letter? Was there a time crunch for us to stop using the KHAA box ASAP ?
My guess is that there is a rush to exit the "mortgage lending" business - hence the rush to say your KH is paid off - those outstanding mortgages could not be readily transferred to a shell corp. to escape creditors, or if a certain jurisdiction is saying, wait a minute, you guys are running a for-profit bank.