email.js

    /**
     * Safely access to a variable value using dot notation 'loan.city.name' 
     *
     * @param {Object} locals Temlate variables
     * @param {String} dotPath Path to a variable, for ex. 'loan.city.name'
     * @param {String} defValue Fallback value
     * @return {Mixed}
     */
    safeVar: function(locals, dotPath, defValue) {
       var value = _.reduce(dotPath.split('.'), function(res, token) {
           if (res === undefined || res === null) {
               return undefined
           }
           return res[token]
       }, locals)

       return value === undefined ? defValue : value
    }