Mary Jane Feeman Buyers Guide

As a Greenville native and having spent most of my life here, I have seen the dramatic transformation of Greenville from a small textile town to an exciting cultural city that has become a destination for so many. I’m excited to help you find the Greenville home of your dreams.

Being in the real estate business since 2004 has given me an in-depth knowledge of the area and a wealth of experience leading the buying process from start to finish. You can trust me to handle all your real estate needs, working tirelessly and diligently on your behalf and communicating effectively.

To get to know me better, visit mjfreeman.net, paying special attention to the testimonials and reviews.

If you are planning to buy a home, whether to relocate here or remain in the area after selling, I will work tirelessly and patiently to find the right home.

Mary Jane

Success is our hallmark.

When you are dedicated to excellence, it shows in the numbers.

CB Caine Realtors® consistently outrank our competition in average units sold and average sales volume. Our agents sell homes at a higher average sales price than the market and receive rave reviews from their clients.

Buying your home with the best terms and price is important – put our experience and expertise to work for you.

COLDWELL

BANKER OFFICE

IN SOUTH CAROLINA

$1,132,920,847

8 more

AVERAGE SALES PRICES

2,642 SALES VOLUME IN 2023 HIGHER PER AGENT PRODUCTIVITY2 COLDWELL BANKER CAINE

227

100,000 families TOTAL TRANSACTIONS IN 2023

Community is our commitment.

At Coldwell Banker Caine, we are committed to:

• Fostering inclusion in our industry and in the communities we serve.

• Contributing to the Upstate’s dynamic growth by caring for the community and being active participants in the culture around us.

• Providing equal professional service to all, without regard to race, color, religion, gender (sex), disability (handicap), familial status, national origin, or other state and local protections, such as sexual orientation, gender identity, military status, and source of income, of any prospective consumer or resident of any community.

• Respecting the diversity and differences within the Coldwell Banker Caine consumer base and remaining informed of those differences in order to provide truly remarkable service.

• Engaging the community as leaders, board members, advocates and volunteers.

• Championing home ownership in our community by working to provide housing to those in need.

• Refusing to tolerate non-compliance in accordance with Coldwell Banker Caine’s leadership role in the real estate profession.

1,200

123

VOLUNTEER HOURS ORGANIZATIONS

AGENTS SERVED ON 56 BOARDS DONATED $550,000+ OVER THE PAST 5 YEARS

DONATED GOODS TO BUILT

200+ 85+ 2 HOMES

FINANCIALLY SUPPORTED ORGANIZATIONS

ORGANIZATIONS WITH HABITAT FOR HUMANITY

Why choose a CB Caine Realtor ®?

Because not all real estate companies are the same. At Coldwell Banker Caine, we set the standard for innovation, expertise, and support.

We believe you deserve full-time professionals who know more and have access to better tools and training than anyone else in the industry. Our Realtors® are supported by a team of marketing professionals, market experts, and world-class technology, setting us apart as industry leaders.

This is why a CB Caine Realtor® will serve you better and help you get the very best terms for your home purchase.

We call it “superior real estate.”

Buyer consultation with your CB Caine Realtor ® .

A buyer consultation is your first meeting with a Coldwell Banker Caine Realtor® and sets the stage for an effective and efficient working relationship. Your CB Caine Realtor® will ask about your wants, needs, desired timeline, and gather detailed information needed to help you find your home. They will explain the buying process and go in-depth to understand your priorities, answer your questions, and describe their role and duties to you in the homebuying process. This is your time to share your desires, ask questions, and get to know your CB Caine Realtor®.

If you require certain features such as a swimming pool, wheelchair access, or even skylights, please be sure to discuss your needs fully with your CB Caine Realtor®. They will work with you to find homes with these features.

At the initial consultation, your CB Caine Realtor® will outline the homebuying process and review the necessary paperwork that is unique to our marketplace. Having this information from the beginning will allow you to move forward confidently and quickly when you decide to make an offer.

We know luxury.

Looking for a luxury property?

The Coldwell Banker Global Luxury® program is among the most successful names in high-end real estate, powered by agents in 40 countries who deeply understand this unique market’s intricacies and clientele.

In 2023, Coldwell Banker sold over $200 million in luxury listings every day and over 39,000 $1M+ properties for the year.1 Our luxury agents are certified to provide unrivaled service to their luxury clients and are connected to a referral network of Coldwell Banker Global Luxury® agents worldwide.

For our clients buying in this exclusive price point, there is no partner better suited to bring you success.

Determine your price range.

Most sellers will require documentation proving you have the financial ability to purchase the home. If you are paying cash, this can come in the form of a letter stating you have sufficient funds to purchase. If you are getting a mortgage, this can be either a pre-qualification or preapproval letter from your lender.

What is a mortgage?

A mortgage is an advance of money from your lender that will cover the finances of your new property. Over an extended period of time, you (the mortgagor) must pay the bank back each month a percentage of the money they lent you plus interest, until the total sum is paid in full. This is how most homes are financed.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is not a mortgage approval, but simply an estimate of what you can afford. When you pre-qualify for a mortgage, the lender also collects basic information regarding your income, monthly debts, credit history and assets, and then uses this information to calculate an estimated mortgage amount. The lender has not yet committed to, nor have you received, an actual guarantee of funds.

Buyers who are pre-approved for a mortgage are often more attractive to sellers and have a better chance of getting the property when they make an offer.

Pre-approval uses basic information as well as electronic credit reporting to determine whether a lender will loan you money. If you are pre-approved, the lender has given you a commitment to support your new purchase.

Knowing your budget.

Before talking to a lender, have a monthly payment in mind that fits your budget. Your lender will ask questions to understand your financial position and calculate the purchase price. Remember to keep some money in reserve for first year expenses including updates, renovations, maintenance, and repairs.

Here are some of the expenses you will carry:

Down Payment

Most homeowners contribute a down payment when purchasing a home. The down payment is a percentage of the purchase price that the buyer pays in full before closing. The larger the down payment, the smaller your mortgage will be.

Cost

There are quite a few costs involved when you’re buying a new property. Make sure you understand how much each cost is and factor them into the final budget. Here are some examples of these costs:

Monthly Costs: The calculation of your entire monthly costs including the mortgage, insurance, taxes, etc. Don’t forget expenses and bills for your home and maintenance.

Points: Borrowers have the opportunity to reduce the interest rate on their mortgage by paying points at the beginning of the loan. One point is one percent of the new loan.

Additional Fees: Your lender can help you understand any additional fees you may incur.

New Home Expenses & Repairs: Even with a thorough inspection and seller repairs, you will likely have repairs and maintenance costs arise upon move-in.

The fun begins.

You have all of your financial papers in order. You’ve been pre-approved for a mortgage, and you’ve calculated your budget. Now it’s time to have some fun finding your next home.

The Home Finding Needs Worksheet

Can you picture your dream home? Does it have a huge backyard? Is it maintenance free? What size home fits your lifestyle? What neighborhood features are important to you? How long would the commute be? Is it important to have a certain school or healthcare system nearby? Do you want to live by a lake, within walking distance to a coffee shop, or in a community with a neighborhood pool? These are just a few of the questions you should consider before you begin your search.

Remember, the more you know about what you’re looking for, the quicker you’ll find the perfect match.

You can use our Home Finding Needs Worksheet to help prioritize wants and needs in your new home. Take some time, fill out the worksheet and have some fun. Your dream home is just a few steps away.

Tour homes.

During your buyer consultation, your Coldwell Banker Caine Realtor® will discuss their role in helping guide you through the home buying process. The goal is not only to help you find the right home but to also make sure you don’t miss anything or pay too much. This is accomplished through process of elimination rather than through a process of selection.

Homes available only to a Realtor® through the MLS as well as upcoming listings, new construction and For Sale By Owner properties filter through search parameters determined during your initial consultation and ongoing selection process to eliminate properties that do not fit your needs. You and your Coldwell Banker Caine Realtor® will work together to eliminate more by viewing them online or driving by them.

Open houses are a great way to get a feel for a specific property or neighborhood. If you would like to tour open houses, please ask your Coldwell Banker Caine Realtor® to inform you of upcoming open houses. They would love to attend with you and/or provide you information about the house and the neighborhood.

Using digital tools.

Coldwell Banker Caine offers a wide range of digital tools to help you and your Realtor® during your home search. Through these resources, your Realtor® will better understand which homes you like and push new listings to your inbox as soon as they come on the market.

cbcaine.com

The Coldwell Banker Caine website is linked directly to the local MLS systems ensuring you have access to the most current listing information. Save searches and favorite homes to your account, and reach out directly to your Realtor® for more information or to schedule showings.

coldwellbankerluxury.com

Coldwell Banker is a global leader in luxury real estate with a network of 100,000+ independent sales associates in 43 countries and territories. The Coldwell Banker Global Luxury program showcases exceptional properties to affluent buyers around the world through state-of-the-art technology and bespoke marketing strategies.

Dotloop

For signing agreements with ease and accessing documents wherever you are.

Make an offer.

Once you find a home, you will make an offer to purchase the home from the seller. To reach an agreement, you will be considering more than just price.

Typically, an offer includes the following information:

• Proof of funds, or pre-qualification/pre-approval letter

• Earnest money - a deposit made with the seller representing good faith in your promise to purchase the home*

• Termination fee - A fee paid to the seller if you decide to terminate the contract during a specific time frame.

• The amount you are willing to pay, known as the “Purchase Price”

• Mortgage amount (if any) and type of financing that you must receive in order to purchase the home

• Contingencies, including the mortgage commitment, appraisal and inspections

• Inspections include, but are not limited to: structure, mechanical, termite, CL-100, pest, radon, well, septic, lead, environmental and oil tank

• Seller concessions such as seller-paid closing costs and/or sellerpaid home warranty

• Personal property specifically included or excluded (refrigerator, washer/dryer, drapes, area rugs, plants in movable containers, grills, etc)

• Closing and occupancy dates

Discuss current market dynamics with your Coldwell Banker Caine Realtor®. If sellers often receive multiple offers on homes in your desired neighborhood, your Realtor® can help you make the most competitive offer upfront. If the seller counters your initial offer, your CB Caine Realtor® will provide strong assistance and advice during the negotiating process.

When all parties have agreed to the terms and have signed/delivered the paperwork, you will be under contract to purchase your home!

*Discuss the Earnest Money and Wire Fraud Disclosures with your Coldwell Banker Caine Realtor®

Repair and appraisal negotiations.

Getting your home under contract is exciting, but you are not done yet! Unfortunately, these next two steps can be the reasons that transactions never make it to the closing table. But don’t worry, your Coldwell Banker Caine Realtor® will guide you through the process.

Inspections and Repairs

It is highly recommended that you hire licensed inspectors to thoroughly inspect the home. Once inspections are complete, your Coldwell Banker Caine Realtor® will help you navigate the thorough and often lengthy inspection report to create a list of requested seller repairs. The seller may counter the request based on their ability to make repairs, and negotiations may continue until an agreed-upon repair list, or renegotiated contract terms, are signed by all parties. The seller is responsible for making any agreed upon repairs prior to closing.

It is wise to save a reserve of funds for maintenance and repairs upon move-in. You will live in and utilize your home differently than the previous owner and their obligations for repairs end at closing.

Appraisals

If you are purchasing the home by obtaining a mortgage, the lender may require an appraisal. The buyer has the option of having an appraisal done for a cash purchase. An appraisal is an opinion of value at a specific moment in time.

Should the appraisal come in lower than the agreed upon purchase price and the contract is contingent upon appraisal, your Realtor® will offer options on how to proceed. Buyers and sellers may agree to negotiate amended terms based on the new appraised value. If you are financing the home, there may be an opportunity to apply for a different loan or contest the appraisal. Each situation is unique. Feel confident that your Coldwell Banker Caine Realtor® can help you navigate this complex situation and outline your available options.

Close and move in.

Congratulations, you’re almost there! Here are a few reminders to make the closing process smoother:

Utilities and Mail: A week prior to closing, remember to contact utility companies (including your security system) and turn on your utilities for the day of closing. Also, remember to forward your mail to your new address.

Final Walk-Through: Your Realtor® will schedule a final walk-through prior to closing to ensure repairs have been completed, details of the contract have been fulfilled, and the home is completely vacated and clean.

At closing:

• The attorney or closing coordinator receives the buyer’s mortgage funds and down payment or cash to purchase the home.

• To determine the amount of money you will need to bring to closing via a certified check, the attorney adds your down payment (or cash to purchase) plus all closing costs, minus any earnest money deposit that has already been paid to escrow. This amount should be clearly presented on the closing disclosure for your loan the lender is required to give to you a few days before your loan closing.

• The attorney will record the transfer of the deed into your name.

• Once the deed is recorded, you will receive keys to the property and be allowed to move into the home. The seller will receive their proceeds and the attorney will pay off their mortgage. The seller will then have no claim on nor obligation toward the home.

• At closing, please be sure to obtain garage door openers, remote controls, appliance/technical instructions, apps, passwords and warranties and any other items to help you settle into your new home. Remember, after closing, the home is yours and all repairs, etc, are the new homeowners’ responsibility.

• Now, it’s time to move in and make it your own! If you need help with painters, stagers or other contractors, please call on your Coldwell Banker Caine Realtor®. They would love to help you find the right vendors for all your needs.

The Coldwell Banker Caine brand is home to those agents and clients who expect more from a real estate company.

Our clients are more than just another transaction. We work hard to be the very best and earn your partnership for life.

We believe that you deserve a company and an experience that is as exceptional as you are.

PARTIESARESOLELYRESPONSIBLEFOROBTAININGLEGALADVICEPRIORTOSIGNINGTHISCONTRACT ANDDURINGTHETRANSACTION.REALESTATELICENSEESRECOMMENDOBTAININGLEGALCOUNSEL.

1.PARTIES: ThislegallybindingAgreement(“Contract”)ToBuyandSellRealEstateisenteredintoby: Buyer(s), (“Buyer”),and Seller(s), (“Seller”).

(A)“Party”-definedaseitherBuyerorSeller,“Parties”definedasbothBuyerandSeller.

(B)“Brokers”arelicensedSouthCarolinabrokers-in-charge,theirassociatedrealestatelicensees,andtheirsubagents.

(C)“ClosingAttorney”-isthelicensedSouthCarolinaattorneyselectedbyBuyertocoordinatethetransactionand Closing. ,

(D)“EffectiveDate”-thefinaldateuponwhichaPartytothenegotiationplacesthefinalandrequiredsignaturesand/or initialsanddateonthisContractandDeliversNoticetoinitiallycausethisprimaryContracttobebindingonallParties.

(E)“GoodFunds”-isthetransferoftherequiredamountofUnitedStatesDollars(USD)withinanyrequiredtimeframe.

(F) “Time”-alltimestatedshallbeSouthCarolinalocaltime. Timeisoftheessencewithrespecttoallprovisionsof thisContractstipulatingtime,deadline,orperformanceperiods.

BUYERSELLERISASOUTHCAROLINAREALESTATELICENSEE

(initials)BUYER(s)acknowledgesreceiptoftheSCDisclosureofBrokerage Relationshipsformandisreceiving Client Customerserviceinthistransaction.

(initials)SELLER(s)acknowledgesreceiptoftheSCDisclosureofBrokerage Relationshipsformandisreceiving Client Customerserviceinthistransaction.

2.PURCHASEPRICE: $

PayablebytransferofGoodFundsvia Financeor acombinationofFinanceandCashUSDor CashUSD. VerificationofCashavailableforClosingis attached notattached tobeDeliveredbefore ThisContract is isnotcontingentuponthesaleandclosingofBuyer'srealpropertyandSCR504 is isnot attached.

3.PROPERTY: HerebyacknowledgingsufficientgoodContractconsideration(e.g.mutualpromisesherein),Sellerwill sellandconveyandBuyerwillbuyforthePurchasePriceanyandalllotorparcelofland,appurtenantinterests, improvements,landscape,systems,andfixturesifanythereonandfurtherdescribedbelow("Property").Selleragreesto maintaininoperableconditionthePropertyandanypersonalpropertyconveyinginsameoperablecondition,including anylandscaping,groundsandanyagreeduponrepairsorreplacements,fromtheEffectiveDatethroughClosingsubject tonormaloperablewearandtear.Buyeracknowledgesopportunitytoinquireaboutownersassociationissues,common areaissues,condominiummasterdeedissues,assignedparking/storageareas,memberships,leaseissuesandfinanced equipmentpriortosigningContract.LeasingissuesanditemsandfinancedequipmentseeAdjustments(e.g.tenants, leases,futurevacationrenters,SCvacationrentalactreservations,rents,deposits,documents,solarpanels,fueltanks withfuel,alarmsystems,satelliteequipment,rollcarts).

Address Unit#

City

Zip Countyof

Lot Block Section/Phase Subdivision

Other TaxMap

StateofSouthCarolina

Partiesagreethatnopersonalpropertywilltransferaspartofthissale,exceptdescribedbelowand/orinattachment(s):

4.CONVEYANCE/CLOSING/POSSESSION: “Closing”occurswhenSellerconveysPropertytoBuyerandoccursno laterthan5PMonorbefore , (“ClosingDate”).Conveyanceshallbefee simplemadesubjecttoalleasements,reservations,rightsofway,restrictivecovenantsofrecord(providedtheydonot makethetitleunmarketableoradverselyaffecttheuse/valueofthePropertyinamaterialway)andtoallgovernment statutes,ordinances,rules,permits,andregulations.Selleragreestoconveymarketabletitlewithaproperlyrecorded generalwarrantydeedfreeofencumbrancesandliensexceptashereinstated;andinname(s): andownershiptypedeterminedbyBuyer.ThedeedshallbedeliveredtotheClosingAttorney'sdesignatedplaceonor beforetheClosingDatenolaterthan10AM.Selleragreestopayallstatutorydeedrecordingfees.Partiesagreethe Brokersshallhaveaccesstotheclosingandrelevantdocuments;andtheBrokersshallbegivencopiesofthesettlement statementprior to Closingforreview.Partiesagreetohire/uselicensedAttorney(s).Sellershallconveypossessionofa vacantandreasonablycleanProperty,freeofdebris,alongwithallkeys,codes,anyremotecontrols,availabledocuments (e.g.manuals,equipment warranties,serviceinformation)andsimilarownershipitemstoBuyeratClosing.

5.EARNESTMONEY: Total$ (USD)EarnestMoneyispaidasfollows: $ accompaniesthisofferand$ willbepaidby6P.M.on (date)andEarnestMoneyisintheformof check cash other(e.g.wire) tobeaCredittoBuyeratClosingordisbursedonlyas PartiesagreeinwritingorbycourtorderorbyContractorasrequiredforClosingbyClosingAttorney.Buyerandseller authorize asEscrowAgenttodepositandholdanddisburseearnestmoney accordingtothetermsofanyseparateescrowagreement,thelaw,andanyregulations.Brokerdoesnotguarantee paymentofacheckorchecksacceptedasearnestmoney.Partiesdirectescrowagenttocommunicatereasonable informationconfirmingreceiptandstatusofearnestmoneyuponaBrokerrequest.IfEarnestMoneyisnotdeliveredby theagreedupondateaboveSellermayterminatethecontractbydeliveringNoticeofTerminationtotheBuyer.

THEPARTIESUNDERSTANDANDAGREETHATUNDERALLCIRCUMSTANCESINCLUDINGDEFAULT,ESCROW AGENTWILLNOTDISBURSEEARNESTMONEYDEPOSITTOEITHERPARTYUNTILBOTHPARTIESHAVE EXECUTEDANAGREEMENTAUTHORIZINGTHEDISBURSEMENT(e.g.SCR518,SCR517,MEDIATION AGREEMENT)ORUNTILACOURTOFCOMPETENTJURISDICTIONHASDIRECTEDADISBURSEMENT.EARNEST MONEYWILLNOT BEDISBURSEDUNTILDETERMINEDTOBEGOODFUNDS.IFLEGALACTIONSOCCUR RELATEDTOEARNEST MONEY,PARTYRECEIVINGTHELEASTAMOUNTOFEARNESTMONEYINTHECOURT'S DISBURSEMENTORDERAGREESTOINDEMNIFYESCROWAGENT'SFEES,COURTCOSTSANDATTORNEY FEES.IFINTERPLEADERISTOBEUTILIZED,PARTIESAGREETHAT$ SHALLBE PAIDTOTHEESCROWAGENTBY THEPARTIESASCOMPENSATIONBEFOREESCROWAGENTINITIATESCOURT OFCOMPETENTJURISDICTION PROCEEDINGSONEARNESTMONEY.

6. TRANSACTIONCOSTS: A.TRANSACTIONCOSTS

Unlessotherwiseagreeduponinwriting,BuyerwillpayBuyer'stransactioncostsandSellerpaySeller'stransactioncosts.

1)Buyer'stransactioncostsincludeallcostsandclosingcostsresultingfromselectedfinancing,pre-paidrecurringitems, insurance(includingbutnotlimitedtomortgageinsurance,titleinsurancelender/owner,flood,insurance,andhazard insurance)discountpoints,interest,non-recurringclosingcosts,titleexam,FHA/VAallowablecosts,feesandexpenses ofBuyer'sattorney,contractuallyrequiredrealestatebrokercompensation,andthecostofanyinspector,appraiser,or surveyor.

2)Seller'stransactioncostsincludedeedpreparation,deedrecordingcosts,deedstamps/tax/recordingcostscalculated basedonthevalueoftheProperty,allcostsnecessarytodelivermarketabletitleandpayoffs,satisfactionsof mortgages/liensandrecording,propertytaxesproratedatClosing,contractuallyrequiredrealestatebroker compensation,andfeesandexpensesofSeller'sattorney.

3)Thefollowingcostsinadditiontothecostsabovewillbetheconsidered Seller'sor Buyer'stransactioncosts. IfnoboxischeckedthesecostswillbeaddedtoSeller'stransactioncosts.

a)Allcoststoobtaininformationfromorpertainingtoowners'association(e.g.printingordocumentfees chargedtorequestingpartybytheHOA)

b)Privateand/orPublicTransferFees

c)Anycostssimilartotransferfees(e.g.certificateofassessment,capitalcontributions,workingcapital, estoppelfeesorotherwisenamedbutsimilarfees)

[ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER [ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER 9/2023 FORM310 PAGE2of8

4)AtClosing,SellerwillpayBuyer'stransactioncostsnottoexceed$ ,whichincludes non-allowablecostsfirstandthenallowablecosts(FHA/VA).BuyerisresponsibleforanyBuyer'stransactioncosts exceedingthisamount.IftheamountexceedstheactualamountofthosecostsoramountallowedbyLender,then anyexcessfundswillreverttoSeller.SellerwillalsoprovideorpayforallofSeller'stransactioncosts. IfnoClosing,BuyerisresponsibleforBuyer'stransactioncostsandSellerresponsibleforSeller'stransactioncosts.

HOA dues and assessments are not considered transactions costs and are addressed by the closing attorney as needed per paragraph 22. A transfer fee is a nonrecurring fee that is being assessed solely because of a transfer in property ownership.

B.HOAAssessments(Special,Nonrecurring,Unexpected,Non-Budgeted,Etc.)

ThisdoesnotapplytoHOADuesorMembershipFees.SelectonlyoneoftheFollowingOptions

Option1:SpecialassessmentsapprovedpriortoClosingshallbetheresponsibilityoftheSeller.SpecialAssessments approvedafterClosingshallbetheresponsibilityoftheBuyer.AnyremainderofthebalancedueonaSpecial AssessmentapprovedpriortoclosingwillbepaidinfullbytheSelleratClosing.

Option2:SellershallberesponsiblefortheportionofanySpecialAssessmentsapprovedpriortoClosingthataredue inthecalendaryearofClosing.AnyremainingSpecialAssessmentpaymentsinsubsequentyearsarethe responsibilityoftheBuyer.PartiesdirectClosingAttorneytomaketheappropriateadjustmentsperParagraph22of thisagreement.SpecialAssessmentsapprovedafterClosingshallbetheresponsibilityoftheBuyer.

7.FINANCE: Buyer'sobligationunderthisContract is isnotcontingentuponobtainingfinancingofa 30yearor 15yearor other purchasemoneyloanatreasonableprevailingmarkettermswithloan(s)equal inamountstoamaximum %ofthePurchasePriceorAppraisedValuewhicheverislower.("Financing Contingency").FinancingContingencyexpiresatClosing("FinancingPeriod").Buyermustmaketimelygoodfaithefforts toapplyforandobtainfinancingwhilerefrainingfromcontraryactions("FinancingEffort").Inatimelymanner,Buyershall informSellerandBrokersofpertinentfinancingissuesandauthorizeBuyer'sLendertodisclosepertinentloaninformation toSellerandBrokers("FinancingDisclosure").Buyershallapplyforfinancingby (date)and shallDeliverNoticetoSellerofreasonablepre-finalloanapproval(e.g.pre-approvalletter,initialapprovalletter)that containsnounreasonablecredit,income,orassetconditionsby (date)(norepairsrequired priortothisNotice).FinalloanapprovaloccurswhenLenderfundsloan(s).IftheBuyerchangestheirLenderduringthe FinancingPeriodtheymustnotifythesellerinwritingwithin calendardays.AbsentwrittenapprovalbytheSeller, BuyercannotchangelenderiftheclosingdateagreeduponinParagraph4willchangeasadirectresult.IfaLender subsequentlydeclinesorfailstoapprovefinancing,theBuyershallnotifytheSellerandBrokersassoonaspossible.If theSellerandBrokersarenotifiedofinabilitytoobtainfinancingduringtheFinancingPeriod,eitherPartymayterminate thisContractbyNotice.

Lender(maychange): FHA VA Conventional Seller Other .AnFHAVAFinancingAddendum is isnotattached.Additionalfinancingterms are arenotattached.

8.DUEDILIGENCE:

TheDUEDILIGENCEPERIODbeginsupontheEffectiveDateandshallexpireat6P.M.on (date).AnyextensiontothisdatemustbemadeinwritingandagreedtobybothParties.

During the Due Diligence Period,Buyermaytaketimely/prudentstepstohelpBuyer/Inspectors,Seller/Estimators,and REALTORS®allhaveadequatetimefor:BuyertocoordinateInspectionsandRepairRequests,SellertoobtainRepair estimates,BuyerandSellertonegotiateRepairs,andBuyertopotentiallytimely/properlyDueDiligenceterminateorbuy. DuringtheDueDiligencePeriod,SelleragreesBuyermayrelyonthefollowinglistoffiveitemsinaccordance withContractandlaws.BuyerissolelyresponsibleforInspections.BuyerisnotrequiredtoInspect.UntilBuyer timely/properlyterminatestheContractorthePartiesagreeonanamendedContract,theBuyercanrelyon#1, #2,#3,#4,and#5.TIMEISOFTHEESSENCE. Delivering a Repair Request does not extend the Due Diligence Period.

(1)Conduct/obtainInspections[e.g.onsiteconditions,offsiteconditions]

(2)DeliverRepairsRequestsNoticetoSeller[e.g.SCR525withallrepairrequests,all/portionsofreports]

(3)ProceedunderamendedContract[e.g.SCR310andSCR525,SCR390,SCR391]

(4)ProceedunderAsIsContract[e.g.Buyerdesirestobuyanyway,BuyerwantsPropertywithoutRepair]

(5)TerminateContractbytimely/properlyDelivering"NoticeofTermination"and"TerminationFee"toSellerwithinthe DueDiligencePeriod.

[ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER [ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER 9/2023

TERMINATION:DuringtheDueDiligencePeriod,BuyermayunilaterallyterminatethisContractonlyby DeliveringtotheSellerbothNoticeofTerminationandaTerminationFeeof$ USDGood Funds.

DURINGTHEDUEDILIGENCEPERIOD,SHOULDBUYERFAILTOOBTAINANEW/AMENDEDCONTRACTWITH THESELLERORBUYERFAILTOTIMELY/PROPERLYDUEDILIGENCETERMINATETHECONTRACTDURING THEDUEDILIGENCEPERIOD:TheBuyeragreestobuyandSelleragreetosellthePropertyASIS.Partiesagree "AsIs"meansBuyerbuysthePropertyforthePurchasePricewhileSellermaintainsthePropertyfromthe EffectiveDatethroughClosingsubjecttonormalwearotherwisewithoutrepairorreplacementandsellsthe PropertyforthePurchasePriceunlessotherwiseagreedinwritingbythePartiesinthisContract.

9.INSPECTION/REINSPECTIONRIGHTS: BuyerandSClicensedandinsuredinspectors(“Inspectors”)reasonably performanyreasonableultimatelynon-destructiveexaminationandmakereasonablerecordofthePropertywith reasonableNoticetoSellerthroughClosingincludinginvestigationsofoff-siteconditionsandanyissuesrelatedtothe PropertyatBuyerExpense(“Inspections”).Buyerandpersonstheychoosemaymakereasonablevisualobservationsof Property.

SellerswillmakethePropertyaccessibleforInspectionandnotunreasonablywithholdaccess,unlessotherwise agreedinwritingbytheParties.SellerwillgranttheBuyertherighttoperformafinalwalkthroughinspectionof thepropertywithin48hourspriortotheclosingdate.SellerwillkeepallutilitiesoperationalthroughClosing unlessotherwiseagreed:

SellergrantsBuyerpermissiontoconnectutilities,payforutilities,andhireprofessionals(e.g.electricians, plumbers)tosafelyconnectandoperatetheutilitiesduringtheInspections

Other seeattached. Buyer will hold harmless, indemnify, pay damages and attorneys fees to Seller and Brokers for all claims, injuries, and damages arising out of the exercise of these inspection rights. Seller will hold harmless, indemnify, pay damages and attorneys fees to Brokers for all claims, injuries, and damages arising out of the exercise of these inspection rights. Brokers recommend that Parties obtain all inspections as soon as possible. Brokers recommend that Parties and Inspectors use insurance to manage risk.

10.APPRAISEDVALUE:

ThisContractiscontingentuponthePropertybeingvaluedaccordingtotheLender'sappraisalorotherappraisalas agreed uponbytheParties(“AppraisedValue”)forthePurchasePriceorhigher.IfthePartiesaremadeawarethatthe AppraisedValue islessthanthePurchasePriceandtheSellerDeliversNoticetotheBuyerwithin5CalendarDaysor Closing(whichever earliest)ofanamendmenttoreducethePurchasePricetotheAppraisedValue,thePartiesagreeto proceedtoClosingunder termsofthisContractwiththePurchasePriceamendedtobetheAppraisedValue.IfSelleris awareandrefusestoreduceasstatedabove,BuyermayproceedtoClosingorterminatethisContractbyDeliveringNotice ofTerminationtotheSeller.

ThisContractis not contingentuponthePropertybeingvaluedatanAppraisedValueaccordingtotheLender'sappraisal orotherappraisalasagreeduponbythePartiesforthePurchasePriceormore.

11.WOODINFESTATIONREPORT: IfthePropertytobesoldhasbeenpreviouslyoccupied,thisContractis contingent notcontingentuponthe Buyer SellerhavingthePropertyinspectedattheirexpensebya qualified/licensed/bondedpestcontroloperatorselectedbythe Buyer Seller. Buyer Sellershalldelivertimely NoticeofandshalldelivertoClosingaCL100WoodInfestationReportdatednoearlierthan30calendardayspriorto Closingandnolaterthan calendardayspriortoClosing.IftheBuyerisresponsibleforhavingtheProperty inspectedasindicatedabove,butdoesnothavethePropertytimelyinspectedforthereport'srequiredDeliverytimeframe, theBuyer waivesanyandallrightsunderthetermsofthissection.TheSellermakesnowarrantieswithregardtomatters coveredby suchinfestationreportoranyotherimprovementunlessspecificallystatedinthisContract.

Ifthewoodinfestationreportrevealsthepresenceorindicationofordamagesbytermiteinfestationorotherwooddestroying organisms,SellershallremedysuchdeficienciesandshallfurnishtheBuyerwithaCL100woodinfestationreportbya qualified/licensed/bondedpestcontroloperator(datednoearlierthan30calendardayspriortoClosing)thatthePropertyisfree frominfestationoranydamagehereinmentioned;ordocumentationthattheinfestationhasbeentreatedanddamagehas beenrepairedasappropriateinaworkmanlikemanneronorbeforeclosingandreportedbyanappropriatelicensee.Statelaw andregulationscontrolCL100issues.IftheSellerdoesnotmaketherepairsandtreatment,theBuyershallhavetheoptionto (1)acceptthePropertyinitspresentcondition,(2)negotiatewiththeSellerforthepaymentoftheserepairsandtreatment,or (3)terminatethisContractbyDeliveringNoticeofTerminationtotheSeller.IfthePropertytobesoldhasnotbeenpreviously occupied,SellershallcertifythattheDwellinghasbeentreatedbysoilpoisoningforthepreventionoftermitesandotherwood destroyingorganismsandshallprovideatClosingtotheBuyerawrittencertificationfromaqualified/licensed/bondedpest controloperator.TheobligationsoftheSellerunderthisSectionterminateaftertheClosing.

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12.SURVEY,TITLEEXAMINATION,ELEVATION,INSURANCE: BrokersrecommendBuyerhavePropertysurveyed, titleexamined,elevation/wetlands/beachfrontdetermined,andappropriateinsurance(e.g.flood,floodcontents,hazard, liability,owner'stitle)effectiveatClosing.UnlessotherwiseagreeduponinwritingbyParties,Buyertoobtainnew insurancepoliciesbyClosingandSellermaycancelexistinginsuranceafterClosing.FloodInsurance,ifrequiredby LenderoratBuyer'soption,shallbeassignedtoBuyerwithpermissionofcarrierandpremiumproratedtoClosing. Buyersaresolelyresponsibletoinvestigatepricing,availability,coverage,andrequirementsofinsurance(e.g.flood,flood contents,hazard,liability)forthepropertypriortosigningContract.

13.SURVIVAL: Ifanyprovisionhereincontainedwhichbyitsnatureoreffectisrequiredtobeobserved,kept,or performedafterClosing,itwillsurvivetheClosingandremainbindinguponforthepartiesheretountilfullyobserved,kept orperformed.

14.HOMEWARRANTYCOMPANYOPTIONALCOVERAGE(“HWC”): PartiesagreethataHomeWarrantyorderedby withatleasttwelvemonthsofcoverageafterClosingDate will willnotbeprovidedby Closingand$ willbepaidby totheHomeWarrantyCompany. Buyertopayanydeficitandsurplusrevertstopayor.ProposedHWCandtypeofHWC: NOTICE:THISISTOGIVEYOUNOTICETHATBROKERSHAVE/WILL/MAYRECEIVECOMPENSATIONFROM HWC/OTHERSFORREFERRAL/PROCESSING.YOUARENOTREQUIREDTOPURCHASEAHWCORSIMILAR RESIDENTIALSERVICECONTRACTANDIFYOUCHOOSETOPURCHASESUCHCOVERAGEYOUAREFREETO PURCHASEITFROMANOTHERPROVIDER.

15.FIREORCASUALTYORINJURY: IncasethePropertyisdamagedwhollyorpartiallybyfireorothercasualtyprior toClosing,Partieswillhavetherightfor5CalendarDaysafterNoticeofdamagetoDeliverNoticeofTerminationtoother Party.IfPartydoesnotDeliverNoticeofTermination,thePartiesproceedaccordingtotheContractandSelleristobe responsibleto(1)repairalldamage,(2)remittoBuyeranamountsufficientforrepairs,or(3)assigntoBuyertherightto allproceedsofinsuranceandremitanydeductibleamountapplicabletosuchcasualty.IfBuyerorInspectionscausedthe damage,BuyerisresponsibleforindemnifyingSellerfordamages.BrokersandPartiesshouldensurethattheyare protectedbyappropriateriskmanagementstrategiessuchasinsurance.

16.SCRESIDENTIALPROPERTYCONDITIONDISCLOSURESTATEMENT(“CDS”)[checkone]:

BuyerandSelleragreethatSellerhasDeliveredpriortothisContract,aCDStoBuyer,asrequiredbySCCodeofLaws Section27-50-10etseq.Ifafterdelivery,SellerdiscoversaCDSmaterialinaccuracyortheCDSbecomesmateriallyinaccurate duetoanoccurrenceorcircumstance;theSellershallpromptlycorrectthisinaccuracy(e.g.deliveringacorrectedCDStothe Buyer/makingreasonablerepairspriortoClosing).BuyerunderstandstheCDSdoesnotreplaceInspections.Buyer understandsandagreestheCDScontainsonlystatementsmadebytheSeller.PartiesagreetheBrokershavemet requirementsofSCCode27-50-70andBrokersarenotresponsibleorliableforanyinformationintheCDS.CDSisnota substitutefortheBuyersandInspectorsinspectingtheProperty(relatedissues/onsite/offsite)"Propertyissues"forallneeds. BuyerandSelleragreethatSellerwill NOT completenorprovideaCDStoBuyerinaccordancewithSCCodeofLaw,as amended,Section27-50-30,Paragraph(13).BuyershavesoleresponsibilitytoinspectPropertyIssuesforalltheirneeds.

17.LEADBASEDPAINT/LEADHAZARDS: IfPropertywasbuiltorcontainsitemscreatedpriorto1978,itmaycontain leadbasedhazardsandPartiesagreetosign"DisclosureofInformationofLeadBasedPaintand/orLeadHazards"forms (e.g.SCR315)andgivecopiestoBrokers.PartiesacknowledgereceivingandunderstandingtheEPApamphlet"Protect YourFamilyFromLeadinYourHome."Fortheirprotection,Buyersshouldconduct/obtainInspectionsofallProperty issuespertheirneeds.

18.

SEXOFFENDER/CRIMINALINFORMATION:

PartiesagreethatBrokersarenotresponsibleforobtainingordisclosing informationintheSCSexOffenderRegistryandnocourseofactionmaybebroughtagainstanyBrokersforfailuretoobtain ordisclosesexoffenderorcriminalinformation.BuyerandSelleragreethattheyhavesoleresponsibilitytoobtaintheirown sexoffender,death,psychologicalstigma,clandestinelaboratory,andcrimeinformationfromsources(e.g.lawenforcement, P.I.,web).TheBuyermayobtaininformationabouttheSexOffenderRegistryandpersonsregisteredwiththeRegistryby contactingthelocalcountySherifforotherappropriatelawenforcementofficials.

19.TRUSTACCOUNTINTEREST/CHARITABLECONTRIBUTION: AccordingtotheSouthCarolinaRealEstate CommissionregulationsandSouthCarolinalaws,anyinterestearnedfromdeposittoClosingonBuyer'searnestmoney depositbelongstoBuyer.ItisunderstoodthatBroker may maynotplacedepositedearnestmoniesintoaninterest bearingtrustaccount.IfBuyer'searnestmoneydepositisdepositedintoaninterestbearingtrustaccount,Partiesagree thatBrokerwillretainallinterestearnedinsaidaccountandmaycontributesomeoralltoacharitableenterprise.

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20.SCINCOMETAXONNON-RESIDENTGAINANDCOMPLIANCEANDUSAFEDERALINCOMETAX: Sellerand BuyerwillcomplywiththeprovisionsofSouthCarolinalaws[e.g.12-8-580(asamended)]regardingstateincometax withholdingrequirementsiftheSellerisnotaresidentorhasnotfiledSouthCarolinastateincometaxreturns.Sellerand BuyerwillcomplywithUnitedStatesofAmericafederalincometaxlaws.SellerandBuyershoulddiscusstaxlawsand minimizationactionswiththeirqualifiedtaxadvisor.Partieswillcomplywithalllocal,state,federallaws,andanyrules.

21.ENTIREANDBINDINGAGREEMENT(MERGERCLAUSE):

PartiesagreethatthisContractexpressestheentire agreementbetweentheparties,thatthereisnootheragreement,oral/otherwise,modifyingtheterms;andthisContractis bindingonPartiesandprincipals,heirs,personalrepresentatives,successors,andassigns.Illegalprovisionsareseverable.

22.

ADJUSTMENTS:

BuyerandSelleragreetosettleorprorate,annuallyorasappropriate;asofClosingDate:(A)utilities andwastefeesissuedafterClosingwhichincludeservicefortimePropertywasowned/occupiedbySeller(B)realestate taxesandownerassociationfees/assessmentsforthecalendaryearofClosing(C)anyrents,deposits,feesassociatedwith leasing(D)insurance(includinganynon-specialassessmentsassessedduetoincreasedpremiums),EMSservice, fuel/consumables,andallothernon-specialassessments.ClosingAttorneyshallmaketaxprorationbasedontheavailable taxinformationdeemedreliablebytheClosingAttorney.Shouldthetaxortaxestimateorprorationlaterbecomeinaccurate orchange,BuyerandSellershallmakeanyfinancialadjustmentsbetweenthemselvesonceaccuratetaxinformationis availableandBuyertakestimelyreasonablestepstominimizetaxes.ThissectionsurvivesClosing.Buyerissolely responsiblefortimelyandreasonablyminimizingtheBuyer'staxesandobtainingtaxminimizationproceduralinformation includingrelatedlegalcounselandfinancialcounsel.

23.DEFAULT:

(A)IfSellerdefaultsintheperformanceofanyoftheSeller'sobligationsunderthisContract(“Default”),Buyermay: (i)DeliverNoticeofDefaulttoSellerandterminateContract;and (ii)PursueanyremediesavailabletoBuyeratlaworequity;and (iii)Recoverattorneys'feesandallotherdirectcostsoflitigationifSellerfoundindefault/breachofContract.

(B)IfBuyerdefaultsintheperformanceofanyoftheBuyer'sobligationsunderthisContract("Default"),Sellermay: (i)DeliverNoticeofDefaulttoBuyerandterminateContract;and (ii)PursueanyremediesavailabletoSelleratlaworequity;and (iii)Recoverattorneys'feesandallotherdirectcostsoflitigationifBuyerfoundindefault/breachofContract.

(C)Ifeither/bothPartiesdefault,Partiesagreetosignanescrowdepositdisbursementagreementorreleaseagreement.

(D)PartiesmayagreeinwritingtoallowaCurePeriodforadefault.IfwithintheCurePeriod,eitherPartycuresthe DefaultandDeliversNotice,PartiesshallproceedundertheContract.

24.MEDIATION: Topotentiallyavoidexpensive/lengthy/uncertainlitigation,Partiesmayvoluntarily/cooperativelydecide whichmediatortohire,howtopaythemediator,wheretomeetformediationtalks,andtheirownsettlementagreement. Mediatorsdonotdecidesettlementoutcomes(Partiesdecide).MediatorsmerelyfacilitatethePartiesreachingtheirown settlementanddocumentingsettlement.Partiesagreetoattemptmediationforanydispute,claim,breach, representationsmadebyanyParty.Broker/other(e.g.concealment,misrepresentation,negligence,fraud)orservice issuesrelatedtothisContractbyusingtheNationalAssociationofREALTORS®MediationDisputeResolutionSystem 803-772-5206orwww.NAR.REALTOR/policy/mediationorwww.screaltors.org/mediation).Partiesagreethatthedutyto attemptmediationsurvivesclosingandanysignedmediationsettlementagreementisbinding.Partiesagreesome mattersmayproceedwithoutmediation(e.g.foreclosure,actiontoenforceamortgageordeedoftrustor"renttoown" agreement,unlawfuldetaineraction,file/enforcemechanic'slien,probateissues,interpleaderactiononearnestmoney). Partiesagreesomemattersarenotawaiverofmediationnorabreachofdutytoattemptmediation(e.g.filingjudicial actionenablingrecordingnoticeofpendingaction,orderforattachment/receivership/injunctionorotherprovisional remedies).

25. NON-RELIANCECLAUSE(NOTAMERGERCLAUSENOREXTENSIONOFAMERGERCLAUSE): Partiesexecute thisContractfreelyandvoluntarilywithoutrelianceuponanystatements,representations,inducements,promises,or agreements byBrokersorPartiesexceptasexpresslystipulatedorsetforthinthisContract.Ifnotcontainedherein,such statements, representations,inducements,promises,oragreementsshallbeofnoforceoreffect.Partiesacknowledgethat Brokersare beingretainedsolelyaslicensedrealestateagentsandnotasanyattorney,tax/financialadvisor,appraiser, surveyor,engineer,moldorairqualityexpert,homeinspector,orotherprofessionalserviceprovider.

26. BROKERDISCLAIMER: PartiesacknowledgethatBrokersgivenowarrantiesorrepresentationsofanykind,expressed orimpliedasto:(1)conditionoftheProperty,includingbutnotlimitedtotermites,radon,mold,asbestos,moisture, environmentalissues,water,waste,airquality,HVAC,utilities,plumbing,electricalorstructure,etc.(2)conditionofthe Property,surveyorlegalmatters,squarefootage(3)offsiteconditions(4)schools(5)titleincludingbutnotlimitedto easements,encroachments,projections,encumbrances,restrictions,covenants,setbacks,andthelike(6)fitnessfora particularpurposeofthePropertyortheimprovements(7)zoningordinancesandrestrictions(8)projectedincome,value, marketability,taxes,insurance,orotherpossiblebenefitstoBuyer.PartiesconsentthattheirBrokersmaycommunicatewith themviaanymeans;anduseordiscloseinformationnotmadeconfidentialbywritteninstructionofParties.

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27. BROKERSCOMPENSATION: PartiesdirectClosingAttorneytousesettlementfundstocollectanddisburseBrokers CompensationtoBrokersinaccordancewithagreementsanddocumentcompensationonthesettlementstatement.IfaParty disputesBrokersCompensation,thatPartyagreestoretainaSouthCarolinalawfirmtoescrowonlythedisputedamountof BrokerageCompensationuntilthedisputeisresolvedbyawrittenagreementsignedbythatPartyandtheAffectedBroker, arbitrationaward,orcourtorder.Partyrequestingtheescrowshallpayallcostsforescrow.Ifthedisputeisnotresolvedwithin 180daysofClosing,theescrowshallbedisbursedtotheBroker.PartiesagreethatBrokersarethirdpartybeneficiariestothis Contractandhavestandingtoseekremediesatlawandequity.Partiesrepresentthattheironlyenforceableagencyand/or non-agencyagreementsarewiththeBrokersdisclosedinthisContract.PartiesconsenttoBrokerspossiblyreceiving compensationfromtheHWCand/orothersifcompensationispaidinaccordancewithlawsandREALTOR®ethics.

28.ATTACHMENTS,OTHERCONTINGENCIES,TERMS,AND/ORSTIPULATIONS:

Theremaybeattachmentstothis Contract.Themostrecentchanges,amendments,attachments,contingencies,stipulations,addendum,additions, exhibits,orwritings,agreedtobytheParties;isevidenceoftheParties'intentandagreementandshallcontrolany Contractlanguageconflicts.PartiesshallinitialanddateContractchanges.Ifanydocumentsareattachedasaddenda, amendments,attachments,orexhibitsconsideredpartofthisAgreement,suchdocumentscanbefurtheridentifiedor describedhere(e.g.SCR390,391,503,504,315,320,393,370,375,513,610):

29. NOTICEANDDELIVERY: Noticeisanyunilateralcommunication(e.g.offers,counteroffers,acceptance,termination, unilateralrequestsforbetterterms,andassociatedaddenda/amendments)fromonePartytotheother.Noticeto/froma BrokerrepresentingaPartyisdeemedNoticeto/fromtheParty.AllNotice,consents,approvals,counterparts,andsimilar actionsrequiredunderContractmustbeinpaperorelectronicwritingandwillonlybeeffectiveasofdeliverytotheNotice address/email/faxwrittenbelowandawarenessofreceiptbyBroker(“Delivered”)unlessPartiesagreeotherwiseinwriting.

30.Acknowledgements:Duetopotentialcriminalactivity,partiesaresolelyresponsibletoverifyallwiring instructionswithlawfirm/bank.Partiesarealsoadvisedandunderstandthataudio/visualsurveillancemayoccur inthepropertyandpartiesshouldplanaccordinglyandcomplywithallfederal,state,andlocallaws.Parties acknowledgereceiving,reading,reviewing,andunderstanding:thisContract,theSCDisclosureofRealEstate BrokerageRelationshipsform,anyagencyagreements,andcopiesofthesedocuments.Partiesacknowledge havingtimeandopportunitytoreviewalldocumentsandreceivelegalcounselfromtheirattorneyspriorto signingContract.

31.EXPIRATIONOFOFFER: WhensignedbyaPartyandintendedasanofferorcounteroffer,thisdocument representsanoffertotheotherPartythatmayberescindedanytimepriortoorexpiresat AM PM on , unlessacceptedorcounter-offeredbytheotherPartyinwrittenformDelivered priortosuchdeadline. Thisofferwillexpireautomaticallyifnoactionistakenbyeitherparty30calendardays aftertheoffer'ssubmittal.

INWITNESSWHEREOF,thisContracthasbeendulyexecutedbythePartiesastruetothebestoftheir knowledge/belief.IfsigneeisnotaParty,appropriatelegaldocuments(e.g.PowerofAttorney,CorporateAuthorization) are attachedor tobeDeliveredtotheotherPartywithin CalendarDays. PartiesshallinitialanddateallchangesinthisContractandinitialallpages.

BUYER: Date: Time:

BUYER: Date: Time:

BUYER: Date: Time:

BUYER: Date: Time:

NOTICEADDRESS/EMAIL/FAX: [ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER [ ]BUYER[ ]BUYER[ ]SELLER[ ]SELLER 9/2023 FORM310 PAGE7of8

SELLER: Date: Time:

SELLER: Date: Time:

SELLER: Date: Time:

SELLER: Date: Time:

REALTOR®istheregisteredcollectivemembershipmarkwhichmaybeusedonlybythoserealestatelicenseeswhoaremembersoftheNATIONALASSOCIATIONOF REALTORS®andwhosubscribetoitsstrictprofessionalCodeofEthics.TheSouthCarolinaAssociationofREALTORS®(SCR)ownscopyrighttothecontentofthisform andexpresslyprohibitsthedisplay,distribution,duplication,transmission,alteration,orreproductionofanypartofSCRcopyrightcontentaswellastheuseofthename "SouthCarolinaAssociationofREALTORS®"inconnectionwithanywrittenorelectronicformatwithoutthepriorwrittenconsentofSCR.SCRmakesnorepresentationasto thelegaladequacyofthisformortheinformationaddedforaspecifictransactionandrecommendsthatPartiesconsultaSCattorneypriortosigningtoensurethecompleted formmeetsyourlegalneed.

STATE OF SOUTH CAROLINA

RESIDENTIAL PROPERTY CONDITION DISCLOSURE STATEMENT

The South Carolina Code of Laws (Title 27, Chapter 50, Article 1) requires that an owner of residential real property (single family dwelling unit or a single transaction involving transfer of four dwelling units or less) shall provide to a purchaser this completed and signed disclosure statement prior to forming a real estate contract. This disclosure must be provided in connection with any sale, exchange, installment land sale, and lease with an option to purchase contract. This disclosure statement is not required in connection with transactions listed and exempted by South Carolina Code § 27 -50-30.

Owners should answer the questions fully, honestly, and appropriately by attaching documents, checking a box for each check box question, and writing in the blanks on this disclosure statement.

If a question is answered “Yes” or asks for a description, then owner must explain or describe the issue or attach a descriptive report from an engineer, contractor, pest control operator, expert, or public agency. If owner attaches a report, owner shall not be liable for inaccurate or incomplete information in the report unless owner was grossly negligent in obtaining or transmitting the information. If owner fails to check “Yes” or make a disclosure and owner knows there is a problem, owner may be liable for making an intentional or negligent misrepresentation and may owe the purchaser actual damages, court costs, and attorney fees. If a question is answered “No” for any question, the owner is stating that owner has no actual knowledge of any problem.

By answering “No Representation” on this disclosure statement, the owner is acknowledging that they do not have the current knowledge necessary to answer the questions with either a “ Yes” or “No” response. Owner still has a duty to disclose information that is known at the time of the disclosure statement. “No Representation” should not be selected if the owner simply wishes to not disclose information or answer the question. Selecting “No Representation” does not waive liability if owner is aware or subsequently becomes aware.

If a question is answered and subsequently new information is obtained or something changes to render the owner’s answer incorrect, inaccurate, or misleading (example: roof begins to leak), owner must promptly correct the disclosure. In some situations, the owner may notify the purchaser of the correction. In some situations, the owner may correct or repair the issue.

The owner shall deliver to the purchaser this disclosure before a real estate contract is signed by the purchaser and owner, or as otherwise agreed in the real estate contract. The real estate licensee must disclose material adverse facts about the property if actually known by the licensee about the issue, regardless of owner responses on this disclosure. Owner is solely responsible to complete this disclosure as truthfully and fully as possible. Owner and purchaser are solely responsible to consult with their attorneys regarding any disclosure issues. By signing below, owners acknowledge their duties and that failure to disclose known material information about the property may result in owner liability. Owner must provide the completed disclosure statement to the purchaser prior to the time the owner and purchaser sign a real estate contract unless the real estate contract states otherwise. Owner should provide a signed copy to the purchaser and keep a copy signed by the purchaser.

A real estate contract, not this disclosure, controls what property transfers from owner to purchaser.

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 1 of 6. Effective 6/1/2023

Address (including unit # or identifier)

Apply this question below and the three answer choices to the numbered issues (1-14) on this disclosure. As owner, do you have any actual knowledge of any problem(s)* concerning? *Problem(s) include present defects, malfunctions, damages, conditions, or characteristics

I. WATER SUPPLY AND SANITARY SEWAGE DISPOSAL SYSTEM

1. Water supply

2. Water quality

3. Water pressure

4. Sanitary sewage disposal system for any waste water

A. Describe water supply:

B. Describe water disposal:

C. Describe water pipes:

II. ROOF, CHIMNEYS, FLOORS, FOUNDATION, BASEMENT, AND OTHER STRUCTURAL COMPONENTS AND MODIFICATIONS OF THESE STRUCTURAL COMPONENTS

5. Roof systems

A. Approximate year that current roof system was installed: ______.

B. During your ownership, describe any known roof system leaks, repairs and/or modifications with dates(s):

6. Gutter systems

7. Foundation, slab, fireplaces, chimneys, wood stoves, floors, basement, windows, driveway, storm windows/screens, doors, ceilings, interior walls, exterior walls, sheds, attached garage, carport, patio, deck, walkways, fencing, or other structural components including modifications

A. Approximate year structure was built: ______.

B. During your ownership, describe any structural repairs and/or modifications to the items identified in Question 7 with dates(s):

III. PLUMBING, ELECTRICAL, HEATING, COOLING, AND OTHER MECHANICAL SYSTEMS

8. Plumbing system (pipes, fixtures, water heater, disposal, softener, plumbing components)

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 2 of 6. Effective 6/1/2023

9.Electrical system (wiring, panel, fixtures, A/V wiring, outlets, switches, electrical components)

10.Appliances (range, stove, ovens, dishwasher, refrigerator, washer, dryer, other appliances)

11.Built-in systems and fixtures (fans, irrigation, pool, security, lighting, A/V, other)

12.Mechanical systems (pumps, garage door opener, filtration, energy equipment, safety, other)

13.Heating system(s) (HVAC components)

14.Cooling system(s) (HVAC components)

A.Describe Cooling System: ☐ Central ☐ Ductless ☐ Heat Pump ☐ Window ☐ Other: __________

B.Describe Heating System: ☐ Central ☐ Ductless ☐ Heat Pump ☐ Furnace ☐ Other: __________

C.Describe HVAC Power: ☐ Oil ☐ Gas ☐ Electric ☐ Solar ☐ Other:

D.Describe HVAC system approximate age and any other HVAC system(s):

IV.PRESENT OR PAST INFESTATION OF WOOD DESTROYING INSECTS OR ORGANI SMS OR DRY ROT OR FUNGUS, THE DAMAGE FROM WHICH HAS NOT BEEN REPAIRED , OR OTHER PEST INFESTATIONS

A.Describe any known present wood problems caused by termites, insects, wood destroying organisms, dry rot or fungus:

B.Describe any termite/pest treatment, coverage to property, name of provider, and termite bond (if any):

C.Describe any known present pest infestations:

V. THE ZONING LAWS, RESTRICTIVE COVENANTS, BUILDING CODES, AND OTHER LAND USE RESTRICTIONS AFFECTING THE REAL PROPERTY, ANY ENCROACHMENTS OF THE REAL PROPERTY FROM OR TO ADJACENT REAL PROPERTY, AND NOTICE FROM A GOVERNMENTAL AGENCY AFFECTING THIS REAL PROPERTY

Apply this question below and the three answer choices to the numbered issues (15-28) on this disclosure. As owner, do you have any actual knowledge or notice concerning the following:

15.Violations or variances of the following: zoning laws, restrictive covenants, building codes, permits or other land use restrictions affecting the real property

16.Designation as a historic building, landmark, site or location within a local historic or other restrictive district, which may limit changes, improvements of demolition of the property.

17. Easements (access, conservation, utility, other), party walls, shared private driveway, private roads, released mineral rights, or encroachments from or to adjacent real property.

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 3 of 6. Effective 6/1/2023

18. Legal actions, claims, foreclosures, bankruptcies, tenancies, judgments, tax liens, other liens, first rights of refusal, insurance issues, or governmental actions that could affect title to the property

19. Room additions or structural changes to the property during your ownership

20. Problems caused by fire, smoke, or water (including whether any structure on the property has flooded from rising water, water intrusion, or otherwise) to the property during your ownership.

21. Drainage, soil stability, atmosphere, or underground problems affecting the property

22. Erosion, erosion control, or erosion control structure, such as a bulkhead, rock revetment, seawall, or buried sandbags, affecting the property

If “Yes” to Question 22, provide a general description including material, location on the property, approximate size, etc.

23. Flood hazards, wetlands, flood hazard designations, flood zones, or flood risk affecting the property.

24. Whether the property is currently insured through public (e.g., National Flood Insurance Program) or private flood insurance.

25 Private or public flood insurance ( e.g., Federal Emergency Management Agency (FEMA)) claims filed on the property during your ownership

If “Yes” to Question 25, list the approximate date(s), general description of event(s), nature of any repair(s), and amounts of all claim(s)

26. Repairs made to the property as a result of flood events that were NOT filed with private or public insurance during your ownership.

If “Yes” to Question 26, list the approximate date(s), general description of event(s), nature of any repair(s), and amounts of all flood-related repairs.

27. Has federal flood disaster assistance (e.g., from FEMA, Small Business Administration, HUD) been previously received during your ownership?

If “Yes” to Question 27, what was the amount received and the pur pose of the assistance (elevation, mitigation, restoration, etc.)?

28. Whether the property has been assessed for a beach nourishment project during your ownership.

A. Describe any green energy, recycling, sustainability or disability features for the property:

B. Describe any Department of Motor Vehicles titled manufactured housing on the property:

VI. BURIED, UNBURIED, OR COVERED

PRESENCE OF THE

FOLLOWING: LEAD BASED PAINT, LEAD HAZARDS, ASBESTOS, RADON GAS, METHANE GAS, STORAGE TANKS, HAZARDOUS MATERIALS, TOXIC MATERIALS, OR ENVIRONMENTAL CONTAMINATION

A. Describe any known property environmental contamination problems from construction, repair, cleaning, furnishing, intrusion, operating, toxic mold, methamphetamine production, lead based paint, lead hazards, asbestos, radon gas, methane gas, formaldehyde, corrosion-causing sheetrock, storage tanks, hazardous materials, toxic materials, environmental contamination, or other: ____________________________________________________

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 4 of 6. Effective 6/1/2023

VII. EXISTENCE OF A RENTAL, RENTAL MANAGEMENT, VACATION RENTAL, OR OTHER LEASE CONTRACT ANTICIPATED TO BE IN PLACE ON THE PROPERTY AT THE TIME OF CLOSING

A. Describe the rental/lease terms, to include any vacation rental periods that reasonably may begin no later than ninety days after the date the purchaser’s interest is recorded in the office of the register of deeds, and any rental/leasing problems, if any: ___________________________________________

B. State the name and contact information for any property management company involved (if any) : ____________

C. Describe known outstanding charges owed by tenant for gas, electric, water, sewer, and garbage:

VIII. EXISTENCE OF A METER CONSERVATION CHARGE, AS PERMITTED BY SECTION 58-37-50 THAT APPLIES TO ELECTRICITY OR NATURAL GAS SERVICE TO THE PROPERTY

A. Describe any utility company financed or leased propert y on the real property: ___________________________

B. Describe known delinquent charges for real property’s gas, electric, water, sewer, and garbage : ________________

IX. WHETHER THE PROPERTY IS SUBJECT TO GOVERNANCE OF A HOMEOWNERS ASSOCIATION WHICH CARRIES CERTAIN RIGHTS AND OBLIGATIONS THAT MAY LIMIT THE USE OF THIS PROPERTY AND INVOLVE FINANCIAL OBLIGATIONS

If Yes, owner must complete the attached Residential Property Disclosure Statement Addendum.

X.PLEASE USE THE SPACE BELOW FOR “YES” ANSWER EXPLANATIONS AND ATTACH ANY ADDITIONAL SHEETS OR RELEVANT DOCUMENTS AS NEEDED

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 5 of 6. Effective 6/1/2023

This disclosure does not limit the obligation of the purchaser to inspect the property and improvements which are the subject of the real estate contract. Purchaser is solely responsible for conducting their own off site condition inspections and psychologically affected property inspections prior to entering into a real estate contract. The real estate licensees (acting as listing or selling agents, or other) have no duty to inspect the onsite or offsite conditions of the property and improvements. Purchaser should review all applicable documents (covenants, conditions, restrictions, bylaws, deeds, and similar documents) prior to entering into any legal agreements including any contract. The South Carolina Code of Laws describes the Residential Property Condition Disclosure Statement requirements and exemptions at § 27 -50-10 (and following) which can be read online (www.scstatehouse.gov or other websites).

Current status of property or factors whic h may affect the closing: ☐ Owner occupied ☐ Short sale

Leased

Foreclosure

Subject to Vacation/Short Term Rental

Bankruptcy ☐ Vacant (How long vacant?): __________________

Estate

Other: __________

A Residential Property Condition Disclosure Statement Addendum ☐ is ☐ is not completed and attached. This addendum should be attached if the property is subject to covenants, conditions, restrictions, bylaws, rules, or is a condominium.

Owner acknowledges having read, completed, and received a copy of this Residential Property Condition Disclosure Statement before signing and that all information is true and correct as of the date signed.

Owner Signature: Date: Time:

Owner Printed Name:

Owner Signature: Date: Time:

Owner Printed Name:

Purchaser acknowledges prior to signing this disclosure:

 Receipt of a copy of this disclosure

 Purchaser has examined disclosure

 Purchaser had time and opportunity for legal counsel

 This disclosure is not a warranty by the real estate licensees

 This disclosure is not a substitute for obtaining inspections of onsite and offsite conditions

 This disclosure is not a warranty by the owner

 Representations are made by the owner and not by the owner’s agents or subagents

 Purchaser has sole responsibility for obtaining inspection reports from licensed home inspectors, surveyors, engineers, or other qualified professionals

 Purchaser has sole responsibility for investigating offsite conditions of the property including, but not limited to, adjacent properties being used for agricultural purposes

Purchaser Signature: Date: Time:

Purchaser Printed Name:

Purchaser Signature: Date: Time:

Purchaser Printed Name:

Owner: ( _) (___) Purchaser (___)(___) acknowledge receipt of a copy of this page which is Page 6 of 6. Effective 6/1/2023

STATE OF SOUTH CAROLINA

RESIDENTIAL PROPERTY CONDITION

DISCLOSURE STATEMENT ADDENDUM

Prior to signing contract, owner shall provide this disclosure addendum to the purchaser if the property is subject to a homeowners association, a property owners association, a condominium owners association, a horizontal property regime, or similar organizations subject to covenants, conditions, restrictions, bylaws or rules (CCRBR). These organizations are referred to herein as an owners association.

Purchaser should review the applicable documents (covenants, conditions, restrictions, bylaws, deeds, condominium master deed, and similar documents), all related association issues, and investigate the owners association prior to entering into any legal agreements including a contract. Owners association charges include any dues, fees, assessments, reserve charges, or any similar charges. Purchaser is solely responsible to determine what items are covered by the owners association charges.

Property Address:

Describe owners association charges: $ Per (month/year/other) What is the contact information for the owners association?

As owner do you have any actual knowledge of answers to the following questions?

Please check the appropriate box to answer the questions below.

1 Are there owners association charges or common area expenses?

2 Are there any owners association or CCRBR resale or rental restrictions?

3. Has the owners association levied any special assessments or similar charges?

4. Do the CCRBR or condominium master deed create guest or visitor restrictions?

5. Do the CCRBR or condominium master deed create animal restrictions?

6. Does the property include assigned parking spaces, lockers, garages or carports?

7 Are keys, key fobs or access codes required to access common or recreational areas?

8. Will any membership other than owner association transfer with the properties?

9. Are there any known common area problems?

10. Is property or common area structures subject to South Carolina Coastal Zone Management Act?

11. Is there a transfer fee levied to transfer the property?*

(*Questions does not include recording costs related to value or deed stamps.)

Explain any yes answers in the space below and attach any additional sheets or relevant documents as needed:

Owner Signature: Date: Time:

Owner Signature: Date: Time:

Purchaser Signature:

Purchaser Signature:

Date: Time:

Date: Time:

TRANSACTION BROKERAGE

• Compliance with all State and Federal Laws including Fair Housing

• Explanation of Agency Relationships

• Honesty and Fairness

• Disclosure of Known Material Adverse Facts

• Accounting/Handling of Monies

• Limited Confidentiality

• Motivation

• Acceptable Terms

• Anything requested to remain confidential

• Services Provided:

• Skill, Care and Diligence

• Showing of Properties

• Providing Information found in public records

• Preparation and presentation of

• Offer/Counter Offers in a timely manner

• Facilitate Closing Process

CLIENT LEVEL SERVICES AGENCY REPRESENTATION

• Compliance with all State and Federal Laws including Fair Housing

• Explanation of Agency Relationships

• Honesty and Fairness

• Disclosure of Known Material Adverse Facts

• Accounting/Handling of Monies

• Confidentiality

• Loyalty-Agent represents you and your best interests within the law

• Obedience-Agent obeys your lawful instructions

• Services Provided:

• Skill, Care and Diligence

• Showing of Properties

• Providing information found in public records

• Analysis of Needs/Features

• Advice to benefit your position

• Counsel in negotiating terms to the Contract

• Market Analysis based on training and market knowledge

• Preparation and presentation of Offer/Counter Offers in a timely manner

• Management of Closing

• Negotiation of Repairs

• Cooperation with attorney, vendors, lender and other parties

SOUTH CAROLINA DISCLOSURE OF

South Carolina Real Estate Commission PO BOX 11847, Columbia, S.C. 29211-1847

Telephone: (803) 896-4400 Fax: (803) 896-4427

http://llr.sc.gov/POL/REC/

Pursuant to South Carolina Real Estate License Law in S.C. Code of Laws Section 40-57-370, a real estate licensee is required to provide you a meaningful explanation of agency relationships offered by the licensee’s brokerage firm. This must be done at the first practical opportunity when you and the licensee have substantive contact.

Before you begin to work with a real estate licensee, it is important for you to know the difference between a broker-in-charge and associated licensees. The broker-in-charge is the person in charge of a real estate brokerage firm. Associated licensees may work only through a broker-in-charge. In other words, when you choose to work with any real estate licensee, your business relationship is legally with the brokerage firm and not with the associated licensee.

A real estate brokerage firm and its associated licensees can provide buyers and sellers valuable real estate services, whether in the form of basic customer services, or through client-level agency representation. The services you can expect will depend upon the legal relationship you establish with the brokerage firm. It is important for you to discuss the following information with the real estate licensee and agree on whether in your business relationship you will be a customer or a client.

You Are a Customer of the Brokerage Firm

South Carolina license law defines customers as buyers or sellers who choose NOT to establish an agency relationship. The law requires real estate licensees to perform the following basic duties when dealing with any real estate buyer or seller as customers: present all offers in a timely manner, account for money or other property received on your behalf, provide an explanation of the scope of services to be provided, be fair and honest and provide accurate information, provide limited confidentiality, and disclose “material adverse facts” about the property or the transaction which are within the licensee’s knowledge.

Unless or until you enter into a written agreement with the brokerage firm for agency representation, you are considered a “customer” of the brokerage firm, and the brokerage firm will not act as your agent. As a customer, you should not expect the brokerage firm or its licensees to promote your best interest.

Customer service does not require a written agreement; therefore, you are not committed to the brokerage firm in any way unless a transaction broker agreement or compensation agreement obligates you otherwise

Transaction Brokerage

A real estate brokerage firm may offer transaction brokerage in accordance with S.C. Code of Laws Section 40-57-350. Transaction broker means a real estate brokerage firm that provides customer service to a buyer, a seller, or both in a real estate transaction. A transaction broker may be a single agent of a party in a transaction giving the other party customer service. A transaction broker also may facilitate a transaction without representing either party. The duties of a brokerage firm offering transaction brokerage relationship to a customer can be found in S.C. Code of Laws Section 40-57-350(L)(2).

You Can Become a Client of the Brokerage Firm

Clients receive more services than customers. If client status is offered by the real estate brokerage firm, you can become a client by entering into a written agency agreement requiring the brokerage firm and its associated licensees to act as an agent on your behalf and promote your best interests. If you choose to become a client, you will be asked to confirm in your written representation agreement that you received this agency relationships disclosure document in a timely manner.

A seller becomes a client of a real estate brokerage firm by signing a formal listing agreement with the brokerage firm. For a seller to become a client, this agreement must be in writing and must clearly establish the terms of the agreement and the obligations of both the seller and the brokerage firm which becomes the agent for the seller.

A buyer becomes a client of a real estate brokerage firm by signing a formal buyer agency agreement with the brokerage firm. For a buyer to become a client, this agreement must be in writing and must clearly establish the terms of the agreement and the obligations of both the buyer and the brokerage firm which becomes the agent for the buyer.

(Rev 1/17) Page 1 of 2

SOUTH CAROLINA DISCLOSURE OF REAL ESTATE BROKERAGE RELATIONSHIPS

South Carolina Real Estate Commission PO BOX 11847, Columbia, S.C. 29211-1847

Telephone: (803) 896-4400 Fax: (803) 896-4427

http://llr.sc.gov/POL/REC/

If you enter into a written agency agreement, as a client, the real estate brokerage has the following client-level duties: obedience, loyalty, disclosure, confidentiality, accounting, and reasonable skill and care. Client-level services also include advice, counsel and assistance in negotiations.

Single Agency

When the brokerage firm represents only one client in the same transaction (the seller or the buyer), it is called single agency.

Dual Agency

Dual agency exists when the real estate brokerage firm has two clients in one transaction – a seller client and a buyer client. At the time you sign an agency agreement, you may be asked to acknowledge whether you would consider giving written consent allowing the brokerage firm to represent both you and the other client in a disclosed dual agency relationship.

Disclosed Dual Agency

In a disclosed dual agency, the brokerage firm’s representation duties are limited because the buyer and seller have recognized conflicts of interest. Both clients’ interests are represented by the brokerage firm. As a disclosed dual agent, the brokerage firm and its associated licensees cannot advocate on behalf of one client over the other, and cannot disclose confidential client information concerning the price negotiations, terms, or factors motivating the buyer/client to buy or the seller/client to sell. Each Dual Agency Agreement contains the names of both the seller client(s) and the buyer client(s) and identifies the property.

Designated Agency

In designated agency, a broker-in-charge may designate individual associated licensees to act solely on behalf of each client. Designated agents are not limited by the brokerage firm’s agency relationship with the other client, but instead have a duty to promote the best interest of their clients, including negotiating a price. The broker-in-charge remains a disclosed dual agent for both clients, and ensures the assigned agents fulfill their duties to their respective clients. At the time you sign an agency agreement, you may be asked to acknowledge whether you would consider giving written consent allowing the brokerage firm to designate a representative for you and one for the other client in a designated agency. Each Designated Agency Agreement contains the names of both the seller client(s) and the buyer client(s) and identifies the property.

It’s Your Choice

As a real estate consumer in South Carolina, it is your choice as to the type and nature of services you receive.

• You can choose to remain a customer and represent yourself, with or without a transaction broker agreement.

• You can choose to hire the brokerage firm for representation through a written agency agreement.

• If represented by the brokerage firm, you can decide whether to go forward under the shared services of dual agency or designated agency or to remain in single agency.

If you plan to become a client of a brokerage firm, the licensee will explain the agreement to you fully and answer questions you may have about the agreement. Remember, however that until you enter into a representation agreement with the brokerage firm, you are considered a customer and the brokerage firm cannot be your advocate, cannot advise you on price or terms, and only provides limited confidentiality unless a transaction broker agreement obligates the brokerage firm otherwise

The choice of services belongs to you – the South Carolina real estate consumer.

Acknowledgement of Receipt by Consumer:

Signature ________________________ Date ______________

Signature ________________ Date ______________

THIS DOCUMENT IS NOT A CONTRACT.

This brochure has been approved by South Carolina Real Estate Commission for use in explaining representation issues in real estate transactions and consumer rights as a buyer or seller. Reprinting without permission is permitted provided no changes or modifications are made.

1/17) Page 2 of 2

EARNEST MONEY DISCLOSURE

PARTIES understand that sometimes unfortunately, a transaction may fail to close for a variety of reasons.

PARTIES understand that a Broker-in-Charge or attorney holding an earnest money deposit must handle that earnest money deposit in accordance with SC real estate license laws paraphrased below:

Buyers and Sellers agree that if a transaction fails to close, a Broker-in-Charge or attorney acting as an escrow agent shall hold the earnest money in safe keeping in accordance with SC laws and shall not disburse the earnest money to anyone until:

● AlltheBuyersandSellerssignadisbursementagreementstatingwhogetswhatamountofearnest money,or

● Ajudgeinacourtofcompetentjurisdictionissuesadisbursementorder.

Only when all parties sign a disbursement agreement or a disbursement order is obtained from the court, the Broker-in-Charge or attorney will properly disburse the earnest money within a reasonable amount of time in accordance with SC laws.

If Parties are using a lawyer to hold the earnest money in trust, Parties should consider signing a written escrow agreement with that lawyer that details how the earnest money is held and how the earnest money is disbursed by the lawyer.

Buyers and Sellers are encouraged to obtain legal counsel prior to signing any legal documents.

BUYER: Date: Time:

BUYER: Date: Time: Date: Time: Date: Time:

SELLER: Date: Time:

SELLER: Date: Time: Date: Time: Date: Time:

Coldwell Banker Caine makes no representation as to the legal adequacy of this form or the information added for a specific transaction and recommends that Parties consult a SC attorney prior to signing to ensure the completed form meets your legal needs.

1.FLOODINSURANCECOSTMAYINCREASE: Buyersarenotifiedthatfloodinsurancecostsmayincreaseinthe future.Currentandfuturefederallaws(e.g.Biggert-WatersAct)andregulationsmayimpactthefutureavailabilityofthe NationalFloodInsuranceProgramwhichmayaffectthecostandcoverageoffloodinsurance.

2.POTENTIALBUYERSSHOULDINVESTIGATEFLOODINSURANCEPRIORTOCONTRACT: Brokersrecommend thatBuyersinvestigatethecurrentandfutureanticipatedcostoffloodinsurance,availabilityoffloodinsurance,flood hazardminimizationstrategies,NFIPcommunityratingsystem,federalelevationgrantsforraisingproperty,andflood insurancecostminimizationstrategiesincludinghigherdeductiblespriortosigningacontract.Buyersshouldconsultand retainprofessionalsinfloodinsuranceandfloodhazardminimizationstrategiespriortosigningacontract.Aswithany productorserviceinarealestatetransaction,Brokersrecommendthatbuyersshopmultiplesourcesforinsuranceand obtainappropriateinsurancecoverageafterdeliberation.Cost,coverage,elevation,FEMAfloodmaps,communityflood mitigationstrategies,specialfloodhazardareas,andotherissuesshouldbeinvestigated.Thecurrentowner'sinsurance costandcoverageshouldnotberelieduponasanindicatorofinsurancecostandcoverageinthefutureafterpurchase.

FormoreinformationonfloodinsuranceandtheNationalFloodInsuranceProgram(NFIP)research:

www.floodsmart.gov

www.fema.gov/national-flood-insurance-program

www.realtor.org/topics/national-flood-insurance-program-nfip

3.INSURANCE: Alltypesofinsurancearesubjecttocostincreases,coveragechanges,andavailabilityissues.

Buyershavesoleresponsibilitytoinvestigatethecostofinsurance,theanticipatedfuturecostofinsurance,any anticipatedavailabilityissues,coverage,deductibles,risktoleranceofbuyer,risksofnotbuyinginsurance,risksofnot buyingappropriateinsurance,reputationsofinsurancecompanies,riskofinsurancecoveragereduction/termination, factorsthatcanvoidcoverage,factorsthatcanincrease/decreaseinsurancecosts,andfactorsthatcan increase/decreaserisk.

Buyersaresolelyresponsibleforobtaininginsuranceinformationpriortosigningacontract.

Brokersrecommendobtaininginsuranceinformationandshoppingforinsuranceservices.Brokersarenotresponsiblefor insuranceissues.

Buyersacknowledgereceivingacopy,reading,andunderstandingthisinsurancedisclosure.

INWITNESSWHEREOF,thisdisclosurehasbeendulyexecutedbypotentialBuyers.

BUYER: Date: Time:

BUYER: Date: Time:

REALTOR®istheregisteredcollectivemembershipmarkwhichmaybeusedonlybythoserealestatelicenseeswhoaremembersoftheNATIONALASSOCIATIONOF REALTORS®andwhosubscribetoitsstrictprofessionalCodeofEthics.TheSouthCarolinaAssociationofREALTORS®(SCR)ownscopyrighttothecontentofthisform andexpresslyprohibitsthedisplay,distribution,duplication,transmission,alteration,orreproductionofanypartofSCRcopyrightcontentaswellastheuseofthename "SouthCarolinaAssociationofREALTORS®"inconnectionwithanywrittenorelectronicformatwithoutthepriorwrittenconsentofSCR.

©2019SouthCarolinaAssociationofREALTORS®. 8/2013

FORM233PAGE1of1

Fax: Phone:

WIRE FRAUD WARNING

Anyone involved in a real estate transaction can become a criminal’s target for WIRE FRAUD, crimes, or assault.

Always be suspicious of all emailed wiring instructions. Always check the wire’s authenticity and routing numbers.

Immediately communicate any suspicion of an email WIRE FRAUD scheme to banks and law enforcement (FBI).

NEVER WIRE MONEY OR SEND MONEY TO ANYONE WITHOUT VERBALLY VERIFYING THE WIRING/TRANSFER DIRECTIONS AND RECIPIENT VIA TRUSTED SOURCES (NOT EMAIL) IN A TIMELY AND REASONABLE MANNER

DUE TO WIRE FRAUD SCAMS, REALTORS® WILL ALMOST NEVER EMAIL WIRING INSTRUCTIONS.

Always verify wiring instructions via trusted sources (not email)(e.g. phone, visual, mail) and knowing/recognizing lawyer’s/seller’s/staff’s voice on the phone or seeing faces Beware: Criminals create fake law firms/staff/phone numbers

Domestic and over seas organized WIRE FRAUD criminals can create fake phone numbers using a local area code.

Domestic and over seas organized WIRE FRAUD criminals may hack into trusted email accounts (e.g. lawyers, sellers, real estate licensees, bankers) and email fake wire instructions to YOU and steal YOUR money if YOU wire without verification.

WIRE FRAUD defenses: Proper verification of WIRE instructions. Use secure/encrypted email, mail, courier, or fax in lieu of email which is vulnerable to WIRE FRAUD hacking. Obtain cyber/crime insurance Utilize trusted REALTORS®, local established professionals. Timely/properly investigate/check on people, companies, and real estate schemes/crimes (internet) to avoid and deter crooks Contact law enforcement and SCR (803-772-5206) for information on WIRE FRAUD

Domestic and over seas organized criminals can “phish” for identity theft information. Beware clicking links and emails. Consider using two step email authentication (text code) alongside state of the art password protection. Sellers should secure all valuables, drugs, weapons, pets, sentimental items, and identity theft information prior to showings. Consider personal safety at all times. Stop criminals scraping listings into fake rentals (Google Alerts, Alert Craigslist/VRBO).

PARTIES ARE SOLELY RESPONSIBLE FOR OBTAINING LEGAL ADVICE PRIOR TO SIGNING AND DURING THE TRANSACTION. REALTORS® RECOMMEND OBTAINING LEGAL COUNSEL. VERIFY WIRE INSTRUCTIONS. Due to potential WIRE FRAUD, parties are solely responsible to verify all WIRE instructions from anyone. Parties acknowledge receiving, reading, reviewing, and understanding: this WIRE FRAUD WARNING. Please report crimes to law enforcement (e.g. FBI) and applicable REALTOR® associations (info@screaltors.org 803-772-5206).

Date: _________________ Time: __________

Date: _________________ Time: __________

Date: _________________ Time: __________

REALTOR® is the registered collective membership mark which may be used only by those real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS® and who subscribe to its strict professional Code of Ethics. The South Carolina Association of REALTORS® (SCR) owns copyright to the content of this form and expressly prohibits the display, distribution, duplication, transmission, alteration, or reproduction of any part of SCR copyright content as well as the use of the name "South Carolina Association of REALTORS®" in connection with any written or electronic format without the prior written consent of SCR. SCR makes no representation as to the legal adequacy of this form or the information added for a specific transaction and recommends that Parties consult a SC attorney prior to signing to ensure the completed form meets your legal need. © 2017 South Carolina Association of REALTORS®. 7/2017