57 Upland Road, Waltham, MA 02451

Mike Hughes Team RE MAX On The Charles

57 Upland Road Waltham, MA www.MikeHughesTeam.com www.57Upland.com 617-433-9225

57 Upland Road Waltham, MA DESIGN Style Year Built Rooms Bedrooms Baths Living Area

Cape Cod 1953 5 3 1.5 1,363

STRUCTURE Color Sea Mist Hot Water Radiators Replacement Windows

Scan To View Interactive Floor Plan & Room Planning

ADDITIONAL Newer Roof Freshly Painted Refinished Hardwoods Walk-out Basement APPLIANCES Range Hookup Washing Machine Hookup Dryer Hookup

LIVING AREAS First Level Livingroom Diningroom Kitchen Bedroom Bathroom Mudroom Second Level Bedroom Bedroom Bathroom

Living Areas Continued Basement Utility & Storage UTILITIES Heat Oil Water Town Sewer Town Cable Internet Disclosures: See MLS Sheet

Sales offerings are made subject to errors, omissions, change of price, prior sale or withdrawal without notice. Buyer is responsible for all due diligence. All Brokers/ Salesperson represent the Seller, not the Buyer in the marketing and negotiating and sale of property, unless otherwise disclosed. However, the Broker or Salesperson has an ethical and legal obligation to show honesty and fairness to the buyer in all transactions.

Mike Hughes ­ (MLS) Open House & Property Search: www.MikeHughesTeam.com MLS # 71836932 ­ New Single Family ­ Detached 57 Upland Rd Waltham, MA 02451­2987 Middlesex County Style: Cape Color: Sea Mist Grade School: Plympton Middle School: Kennedy High School: Waltham High Handicap Access/Features: Neighborhood/Sub­Division: Waltham Highlands Directions: Bacon => Plympton => Upland Rd.

List Price: $425,000

Total Rooms: 5 Bedrooms: 3 Bathrooms: 1f 1h Master Bath: Fireplaces: 1

Remarks Discover why so many people consider the Waltham Highlands the best neighborhood in Waltham. This classic 3 bedroom 1.5 bath cape is only 6 doors away from 250 acres of conservation land and lookouts that offer breathtaking views of Boston's skyline. Around the corner we have convenient corner stores and EZ commuter bus access to Boston. Up for a stroll? No problem ... in no time you can walk to the shops and restaurants on Moody Street. This neighborhood with diverse architecture and mature flowering trees is a great place to call home. For the days you do decide to stay home, the freshly painted walls and refinished hardwood floors in the front to back living room/ dining room combo offer an oasis on the hill.

The unfinished walkout basement opens to a level yard and awaits it's next owner's decision (finish, storage, workshop? you decide). Ample parking, replacement windows, new roof and convenient to everything. Call today!

Property Information Approx. Living Area: 1363 sq. ft.

Living Area Includes:

Approx. Acres: 0.11 (4930 sq. ft.)

Garage Spaces: 0 ­­

Heat Zones: 1 Hot Water Baseboard, Parking Spaces: 4 Off­Street, Improved Driveway, Paved Oil Driveway Cool Zones: None Approx. Street Frontage:

Living Area Source: Public Record Living Area Disclosures: Floor Plan Available.

Disclosures: Retainer wall and deck as­is ... retainer wall has been that way "forever."

Room Levels, Dimensions and Features Room Living Room: Dining Room: Kitchen: Master Bedroom: Bedroom 2: Bedroom 3: Bath 1: Bath 2: Laundry:

Features

Level 1 1 1 1 2 2 1 2 B

Size

Features Fireplace, Closet, Flooring ­ Hardwood, Flooring ­ Wood, Window(s) ­ Picture, Main Level, Cable Hookup, Exterior Access, Open Floor Plan Flooring ­ Hardwood, Flooring ­ Wood, Main Level, Open Floor Plan Bathroom ­ Half, Flooring ­ Vinyl, Pantry, Main Level, Exterior Access Closet, Flooring ­ Hardwood, Flooring ­ Wood, Main Level Closet, Flooring ­ Hardwood, Flooring ­ Wood Closet, Flooring ­ Hardwood, Flooring ­ Wood Bathroom ­ Half, Flooring ­ Vinyl, Main Level Bathroom ­ Full, Bathroom ­ Tiled With Tub, Flooring ­ Stone/Ceramic Tile Dryer Hookup ­ Electric, Washer Hookup

Other Property

Appliances: Disposal Info Area Amenities: Public Transportation, Shopping, Park, Walk/Jog Trails, Medical Facility, Laundromat, Disclosure Conservation Area, Highway Access, House of Worship, Private School, Public School, T­Station, University Declaration: No Basement: Yes Full, Walk Out, Interior Access, Concrete Floor Exclusions: Beach: No Home Own Assn: No Construction: Frame Lead Paint: Unknown Electric: Circuit Breakers UFFI: Warranty Energy Features: Insulated Windows, Storm Doors Features: Yes Exterior: Vinyl Year Built: 1953 Exterior Features: Deck, Deck ­ Wood, Gutters, Screens, Garden Area Source: Public Flooring: Wood, Tile, Vinyl, Hardwood Record Foundation Size: Year Built Foundation Description: Poured Concrete Description: Hot Water: Tankless Approximate Insulation: Partial, Unknown Year Round: Yes

Interior Features: Cable Available, Whole House Fan Short Sale Lot Description: Paved Drive, Cleared, Level

Road Type: Public, Paved, Publicly Maint.

Roof Material: Asphalt/Fiberglass Shingles Sewer Utilities: City/Town Sewer Utility Connections: for Electric Range, for Electric Oven, for Electric Dryer, Washer Hookup Water Utilities: City/Town Water Waterfront: No

w/Lndr.App.Req: No Lender Owned: No

Tax Information Pin #: M:049 B:004 L:0023 Assessed: $334,600 Tax: $4393 Tax Year: 2015 Book: 8606 Page: 527 Cert: Zoning Code: 1 Map: Block: Lot:

Upper CL

CL

CL Bedroom 19' x 11'

dn

CL

Bedroom 19' x 12'

CL

Main CL Kitchen 17' x 10'

Mud Room 8' x 4'

dn

Living Dining Room 23' x 12'

CL

CL Bedroom 13' x 12' CL up

Lower Storage 33' x 23'

Fr

Bonus Room 13' x 12' up

57 Upland Road Vis-Home

Floor plan by 2015 Measurements may not be 100% accurate Floor plans are provided for convenience only Rooms sizes are not used to calculate area

City of Waltham

This map is for reference and planning purposes only. It is prepared for the inventory of real property within the City of Waltham and is compiled from tax maps,recorded deeds and plats. Users of this tax map are hereby notified that the aforementioned public primary information sources should be consulted for the verification of the information contained on this map. The City of Waltham and its mapping contractors assume no legal responsibility for the information contained herein.

Waltham GIS Map

Tax Map

Streams

City Boundary

Parcels

Swimming Pools Bridges

October 24, 2014

Buildings Building Footprint DECK Private Walkways

DocuSign Envelope ID: D5260673-412D-4037-A411-14273762169C

P R O P E R T Y T R A N S F E R N O T I F I C AT I O N C E R T I F I C AT I O N This form is to be signed by the prospective purchaser before signing a purchase and sale agreement or a memorandum of agreement, or by the lessee-prospective purchaser before signing a lease with an option to purchase for residential property built before 1978, for compliance with federal and Massachusetts lead-based paint disclosure requirements.

Required Federal Lead Warning Statement: Every purchaser of any interest in residential property on which a residential dwelling was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Lead poisoning in young children may produce permanent neurological damage, including learning disabilities, reduced intelligence quotient, behavioral problems and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The seller of any interest in residential real property is required to provide the buyer with any information on lead-based paint hazards from risk assessments or inspections in the seller's possession and notify the buyer of any known lead-based paint hazards. A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase.

Seller's Disclosure

(a) Presence of lead-based paint and/or lead-based paint hazards (check (i) or (ii) below): (i) Known lead-based paint and/or lead-based paint hazards are present in the housing (explain). (ii) X Seller has no knowledge of lead-based paint and/or lead-based paint hazards in the housing. (b) Records and reports available to the seller (check (i) or (ii) below): (i) Seller has provided the purchaser with all available records and reports pertaining to lead-based paint and/or lead-based paint hazards in the housing (check documents below).

I I Lead Inspection Report: I I Risk Assessment Report: I I Letter of Interim Control: I I Letter of Compliance (ii) X Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing.

Purchaser's or Lessee Purchaser's Acknowledgment (initial) (c ) Purchaser or lessee purchaser has received copies of all documents checked above. (d ) Purchaser or lessee purchaser has received no documents. (e ) Purchaser or lessee purchaser has received the Property Transfer Lead Paint Notification. (f ) Purcha.ser or lessee purchaser has (check (i) or (ii) below): (i ) received a 10-day opportunity (or mutually agreed upon period) to conduct a risk as.sessment or inspection for the

presence of lead-based paint and^r lead-based paint hazards; or

(ii ) waived the opportunity to conduct a risk asse.ssment or inspection for the presence of lead-based paint and/or lead-based paint hazards.

Agent's Acknowledgment (initial)

(g) I flii fitH Agent has informed the seller of the seller's obligations under federal and state law for lead-based paint disclosure and notification, and is aware of his/her responsibility to ensure compliance.

(h ) Agent has verbally informed purchaser or lessee-purchaser of the possible presence of dangerous levels of lead in paint, plaster, putty or other structural materials and his or her obligation to bring a property into compliance with the Massachusetts Lead Law - either through full deleading or interim control - if it was built before 1978 and a child under six years old resides or will reside in the property.

Certification of Accuracy The following parties have reviewed the information above and certify, to the best of their knowledge, that the information they have provided is true and accurate. ,

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Date

Seller

Date

Purchaser

Date

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Purchaser

.

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Date

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A2eA'5tu,A..,-.iA^.'.

5/13/2015 Date

Agent

Date

Hughes

Address of Property / Unit 57 upland Road. Waltham. MR 02451

CLPPP Fomi 94-3,6/30/94, Rev. 9/02 ^ ^ Produced with zipForm速 by zipLogix 18070 Rfteen Mile Road, Fraser, Michigan 48026 www.zipLoaix.cotn 57 Upland Road,

Mortgage Payment Options for 57 Upland Rd ­ Waltham, MA 02451 ­ MLS: 71836932 Jason Evans NMLS ID 21205 (508) 850­4348 E­mail Jason Evans

Mortgage Master Jason Evans NMLS ID 21205 (508) 850­4348 E­mail Jason View Website

Down Payment: Mortgage Paymt: Rate: APR: Taxes: (Est.) Ins./HOA Dues: PMI: Mo. Payment:

30 Year Fixed $85,000 $1,551 3.625% 3.638% $531 $67 $0 $2,149

15 Year Fixed $85,000 $2,348 3.000% 3.018% $531 $67 $0 $2,947

FHA 30 Year Fixed $14,875^* $1,816 3.250% 3.943% $531 $67 $296 $2,710^*

Personalize Your Mortgage Estimated Sales Price: $ Down Payment: Amount or Percent $

20%

Asking Price of $425,000 with a Down Payment of 20.0% and a Loan Amount of $340,000. ^*FHA loans allow for a 3.5% Down Payment. Monthly Payment amounts above are based on estimates, may be greater and may not apply to your situation and can change without notice. Click Key Info for required disclosure. Est. = Estimated, Ins. = Home Owners Insurance Click here for relationship disclosure.

The information in this listing was gathered from third party sources including the seller and public records. MLS Property Information Network and its subscribers disclaim any and all representations or warranties as to the accuracy of this information. Content ©2015 MLS Property Information Network, Inc.

Call: 617­433­9225 ­ Thank you for your referrals!

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Animal Control

155 Lexington St Waltham, MA 02452

781­314­3596

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610 Main Street Waltham, MA 02452

781­314­3200

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610 Main Street First Floor Waltham, MA 02452

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165 Lexington Street Waltham, MA 02452

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119 School Street Government Center, Lower Level Waltham, MA 02451

(781) 314­3275

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203 Prospect Street Waltham, MA 02453

(781) 314­3495

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610 Main Street City Hall Second Floor Waltham, MA 02452

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(781) 314­3117

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119 School Street, Lower Level Waltham, MA 02451

781­314­3845

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165 Lexington St Waltham, MA 02452

(781) 314­3800

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488 Main Street Waltham, MA 02452

(781) 899­7228 (781) 314­3499

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27 Lexington Street Waltham, MA 02452

781­314­3198 (Main) 781­314­3296 (Environmental Specialist)

Engineering

119 School Street Waltham, MA 02451­4596

(781) 314­3830 (781) 314­3830 (Permitting & Infiltration & Inflow) (781)314­3855 (Dispatch)

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175 Lexington Street Waltham, MA 02452

Business: (781) 314­3710 Dispatch Non­Emergency (781) 893­4105 MA Non­Emergency Helpline Following Major Disasters 2­1­1

Geographic Information Systems (GIS)

21 Lexington Street Waltham, MA 02451

Health Department

119 School Street Waltham, MA 02451

(781) 314­3305 ­ Main Number (781) 314­3305 ­ Main Number (781) 314­3865 ­ Office of Weights and Measures

Housing Division

Government Center, Top Floor 119 School Street, Suite 24 Waltham, MA 02451

(781) 314­3380

Information Technology

21 Lexington St. Waltham, MA 02452

(781) 314­3014

Law Department

119 School Street Waltham, MA 02451

(781) 314­3330

Elections

735 Main Street

Library

Waltham, MA 02451

(781) 314­3425

Licensing Department

119 School Street Waltham, MA 02451

(781) 314­3420

Local Emergency Planning

27 Lexington Street Waltham, MA 02452

Maintenance Department

119 School Street 1st floor ­ Wires Department Waltham, MA 02453

(781) 314­3190 (781) 314­3191

Mayor's Office

City Hall Second Floor 610 Main Street Waltham, MA 02452

(781) 314­3100 Email: mayor@city.waltham.ma.us

Parking Meters Division

Government Center 119 School Street Waltham, MA 02451

(781) 314­3400

Personnel Department

119 School Street Waltham, MA 02451

(781) 314­3355

Planning Department

119 School Street Top Floor Waltham, MA 02451

(781) 314­3370

Police Department

155 Lexington St Waltham, MA 02454

Chief's Office: (781) 314­3500 Administrative/Training: (781) 314­3520 Community Services: (781) 314­3580 Detectives: (781) 314­3550 Operations: (781) 314­3600 Non Emergency: (781) 893­3700

Public Vehicles Department

City Garage 171 Lexington Street Waltham, MA 02451

(781) 314­3860

Purchasing Department

610 Main Street Purchasing Department Waltham, MA 02452

781­314­3243

Recreation Department

510 Moody Street Waltham, MA 02453

(781) 314­3475 (781) 314­3474 ­ Veteran's Memorial Rink

Recycling Department

165 Lexington St. Waltham, MA 02451

Information Hotline: (781) 314­3390

100 Robert Treat Paine Drive Waltham, MA 02452

(781) 314­3290

Park Maintenance

School Department Stonehurst Street and Forestry

(781) 314­3855

Traffic Engineering

119 School Street Waltham, MA 02451

(781) 314­3400

Treasurer / Collector Department

610 Main St. Waltham, MA 02452

(781) 314­3250

Veterans' Services

119 School Street Room 15 Waltham, MA 02451

(781) 314­3415

Waltham 9­1­1 Emergency Telecommunication Center

161 Lexington St. Waltham, MA 02452

(781) 893­4100

Waltham Housing Authority

110 Pond Street Waltham, MA 02451

781­894­3357

Water & Sewer Division

169 Lexington Street Waltham, MA 02452

(781) 314­3810 (Billing Inquires)

Wires Department

119 School Street, Room 12 Waltham, MA 02452

(781) 314­3175

City of Waltham City Hall Hours: 8:30 ­ 4:30, Monday through Friday City Hall Address, 610 Main Street, Waltham, MA 02452 (781) 314­3000

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Home Warranty of America™, Inc. P.O. Box 850 Lincolnshire, IL 60069-0850 T: 888-492-7359 F: 888-492-7360 www.hwaHomeWarranty.com

Sample Coverage Terms I. COVERAGE During the coverage period, HWA’s sole responsibility will be to arrange for a qualified service contractor (“Service Provider”) to repair or replace, at HWA’s expense (up to the limits set forth below), the systems and components mentioned as “Included” in accordance with the terms and conditions of this contract so long as such systems and components: A. Are located inside the confines of the main foundation of the home or attached or detached garage (with the exception of the exterior pool/spa, well pump, septic tank pumping and air conditioner); and B. Become inoperative due to normal wear and tear, including breakdowns due to insufficient maintenance if at the time the issue or breakdown was unknown; and C. Are in place and in proper working order on the effective date of this home warranty contract.

It is understood that HWA™ IS NOT A SERVICE PROVIDER and IS NOT ITSELF UNDERTAKING to repair or replace any such systems or components.

It is further understood that HWA’s obligation to pay for the repair or replacement of covered systems and components is limited to $5,000 per covered item and $15,000 in the aggregate.

This contract only covers single-family homes, town homes and condominiums (including manufactured housing) under 5,000 square feet, unless an alternative dwelling type (i.e. 5,000 square feet or more, new construction or multiple units) is applied for by phoning 1-888-HWA-RELY. Coverage is for owned or rented residential-use property, not commercial property or residential property converted into a business.

This contract describes the basic coverage and options available. For the specific coverage detail on your home, see the front of this contract as it relates to Articles IV, V & VI. Coverage includes only the items stated as included and excludes all others. Coverage is subject to limitations and conditions specified in this contract. Please read your contract carefully. Note: this is not a contract for insurance.

II. COVERAGE PERIOD Home seller’s coverage for the listing and sale period starts the date the application is received and accepted by HWA™ and continues until the expiration of the initial listing period (up to 180 days or until close of sale or listing cancellation whichever is first). Free listing coverage is only available if residence is listed with a licensed real estate professional, and the listing residence is owner occupied at time order is placed. If a telephone application is received, then coverage will start immediately upon issuance of a confirmation number by HWA™. HWA™ reserves the option to extend seller’s coverage after 180 days.

Home Owner’s and Buyer’s coverage begins and ends pursuant to the period noted at the top front of this contract provided payment is made in full on or before the first day of the period. HWA™ provides a 14-day payment grace period for contracts involved in a real estate transaction and ordered by a licensed real estate professional, title company or financial institution.

New construction coverage is available (call for quote for 2, 3, and 4 year terms) and begins one year after the date of closing.

III. A. B.

C. D.

E.

SERVICE CALLS… FOR SERVICE CALL: 1-888-HWA-RELY You or your agent (including tenant) must notify HWA™ for work to be performed under this contract as soon as the problem is discovered. HWA™ will accept service calls 24 hours a day, 7 days a week, 365 days a year at 1-888-HWA-RELY. Notice of any malfunction must by given to HWA™ prior to expiration of this contract.

HWA™ will immediately dispatch your call to a Service Provider (48 hours on weekends and holidays). HWA™ will determine what repairs constitute an emergency and will make reasonable efforts to expedite emergency service (emergency usually considered to be loss of life or peril). If you should request HWA™ to perform non-emergency service outside of normal business hours, you will be responsible for any additional fees and/or overtime charges.

HWA™ has the sole and absolute right to select the Service Provider to perform the service; and HWA™ will not reimburse for services performed without its prior approval. Wisconsin residents refer to section XIII.B. You will pay $50.00 or $100.00 (see the front of this contract for specific trade call fee) for each trade service call, (“Trade Call Fee”) or the actual cost, whichever is less. The Trade Call Fee is for each visit by an HWA™ approved Service Provider, except as noted in this Article III (E), and is payable to the HWA™-approved Service Provider at the time of each visit. The trade call fee applies to each call dispatched and scheduled, including but not limited to those calls wherein coverage is included, excluded, or denied. The trade call fee also applies in the event you fail to be present at a scheduled time, or in the event you cancel a service call at the time a service contractor is in route to your home or at your home. Failure to pay the Trade Call Fee will result in suspension of coverage until such time as the proper Trade Call Fee is paid. At that time, coverage will be reinstated, but the contract period will not be extended.

If service work performed under this contract should fail, then HWA™ will provide for the necessary repairs without an additional Trade Call Fee for a period of 90 days on parts and 30 days on labor.

IV. COVERED SYSTEMS AND APPLIANCES The following items labeled “Included” are covered for the home seller and home buyer for all other programs. Certain limitations of liability apply to Included systems and appliances. (See Articles I, II, III, VII, VIII, & IX).

A. PLUMBING SYSTEM INCLUDED: Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots - Toilet tanks, bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals - Instant Hot Water Dispensers - Valves for shower, tub, and diverter angle stops, rinses and gate valves - Permanently installed interior sump pumps (used for storm water only) - Built-in bathtub whirlpool motor and pump assemblies, except: EXCLUDED: Stoppages/Clogs - Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots - Fixtures, cartridges, shower heads & shower arms - Bathtubs and showers - Shower enclosures and base pans - Bath tub drain mechanisms - Sinks - Toilet lids and seats - Cabling or grouting - Whirlpool jets - Septic tanks - Water softeners - Pressure regulators - Inadequate or excessive water pressure - Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits - Sewage ejector pumps - Holding or storage tanks - Saunas or steam rooms - Back up and battery sump pump systems - Polybutylene piping - hose bibs - Basket strainers.

PREMIUM COVERAGE INCLUDES: Fixtures and Cartridges, faucets, shower heads and shower arms (replaced with chrome builders standard) - Interior Hose bibs - Toilets of like quality ($500 limit) - Stoppages/clogs which can be cleared with standard sewer cable one time only.

B. WATER HEATER (GAS, TANKLESS, ELECTRIC OR OIL) INCLUDED: All components and parts, including circulating pumps, except: EXCLUDED: Solar water heaters - Solar components - Fuel, holding or storage tanks - Noise - Energy management systems - Flues and vents - Problems resulting from sediment - Commercial grade equipment and units exceeding 75 gallons - Drain Pans and Drain Lines - HWA™ will pay no more than $1,000 for repair or replacement of Tankless or Oil Water Heaters and the like.

PREMIUM COVERAGE INCLUDES: Problems caused by sediment.

C. ELECTRICAL SYSTEM INCLUDED: All components and parts, including built-in exhaust fans, except: EXCLUDED: Fixtures - Carbon monoxide alarms, detectors or related systems - Intercoms and door bell systems associated with Intercoms - Inadequate wiring capacity - Solar power systems and panels - Direct current (D.C.) wiring or components - Attic fans - Commercial grade equipment - Damages due to power failure or surge, or loads greater than the system’s design - Circuit Overload - Solar Components - Energy Management Systems.

D. KITCHEN APPLIANCES 1. Dishwasher (Built-in or Portable) INCLUDED: All components and parts, except: EXCLUDED: Racks - Baskets - Rollers - Door seals.

PREMIUM COVERAGE INCLUDES: Racks - Baskets - Rollers - Door seals.

2. Garbage Disposal INCLUDED: All components and parts, including entire unit.

EXCLUDED: Problems and/or jams caused by bones and foreign objects other than food.

3. Built-in Microwave Oven INCLUDED: All components and parts, except: EXCLUDED: Interior linings - Door glass - Clocks - Shelves - Portable or counter top units - Meat probe assemblies - Rotisseries - Door seals - Lighting and handles - Glass.

PREMIUM COVERAGE INCLUDES: Interior linings - Rotisseries - Clocks - Door seals - Lighting and handles.

4. Range/oven/cooktop (Gas or Electric; Built-in, Portable or Free Standing) INCLUDED: All components and parts, except: EXCLUDED: Clocks (unless they affect the cooking function of the oven) - Meat probe assemblies - Rotisseries - Racks - Handles - Knobs - Sensi-heat burners will only be replaced with standard burners - Door seals - Lighting and Handles - Glass.

PREMIUM COVERAGE INCLUDES: Racks - Rotisseries - Clocks - Door seals - Lighting - Handles and Knobs.

5. Trash Compactor (Built-in or Portable) INCLUDED: All components and parts, except: EXCLUDED: Lock and key assemblies - Removable buckets - Door seals.

PREMIUM COVERAGE INCLUDES: Removable buckets - Door seals.

E. DOOR BELLS INCLUDED: All components and parts.

EXCLUDED: Door Bells associated with Intercom Systems.

NA10 9/10 - AK, CT, DE, IA, IL, KS, MA, MD, ME, MI, MN, MO, ND, NE, NH, NJ, NY, OK, PA, RI, SC, SD, VA, VT, WI, WV

F.

G.

H.

I.

CEILING FANS AND EXHAUST FANS INCLUDED: Motors - Switches - Controls - Bearings - Blades.

EXCLUDED: Whole house fans - Belts - Shutters - Filters - Lighting. HWA™ will pay no more than $400 maximum aggregate per contract.

CENTRAL VACUUM INCLUDED: All mechanical system components and parts except: EXCLUDED: Duct Work – Blockages – Accessories. HWA™ will pay no more than $400 maximum aggregate per contract for diagnosis and repair of each vacuum.

BURGLAR AND FIRE ALARM SYSTEMS INCLUDED: All components and parts, except: EXCLUDED: Any wiring or parts located outside the main confines of the foundation of the home - Batteries - Video cameras - Video monitors - Sprinkler alarms & systems. HWA™ will pay no more than $400 maximum aggregate per contract for diagnosis and repair of each burglar and fire alarm system.

GARAGE DOOR SYSTEMS INCLUDED: All components and parts, except: EXCLUDED: Garage doors - Infra-red sensors - Chains - Tracks - Rollers - Springs - Remote receiving/transmitting devices.

PREMIUM COVERAGE INCLUDES: Remote receiving/transmitting devices.

V. ADDITIONAL COVERAGE OF THE FOLLOWING ITEMS FOR THE HOME BUYERS OF all plans AVAILABLE ONLY AFTER CLOSE OF SALE AND OPTIONAL TO THE HOME SELLER OF THE GOLD, PLATINUM AND DIAMOND PLANS: If the seller’s option is taken, then 1) Seller’s limitations of liability still apply; and 2) the following covered items in this section are subject to a maximum combined $500 limitation during the listing period.

A. HEATING SYSTEM - PRIMARY GAS, OIL, OR ELECTRIC HEATER, HEAT PUMP, INCLUDING GEOTHERMAL AND/OR WATER SOURCE HEAT PUMP OR BUILT-IN WALL UNIT (IF MAIN SOURCE OF HEAT TO HOME NOT EXCEEDING 5 TON CAPACITY AND DESIGNED FOR RESIDENTIAL USE).

INCLUDED: All components and parts necessary for the operation of the system (including heat pumps which cool or heat the home), For geothermal/water source heat pumps, all components and parts that are located within the foundation of the home or attached garage, For units below 13 SEER and/or R-22 equipment and when HWA™ is unable to facilitate repair/replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair/replacement will be performed with 13 SEER equipment, R410A equipment and/or 7.7 HSPF or higher compliant. except: EXCLUDED: Baseboard casings - Oil storage tanks - Portable units - Solar heating systems - Fireplaces and key valves - Filters - Electronic air cleaners - Registers - Grills - Clocks - Timers - Heat lamps - Fuel Storage Tanks - Flues and Vents Humidifiers - Commercial grade equipment - Gas Heat Pump Systems - Improper use of metering devices (ie. thermal expansion valves) – Outside or underground piping and components for geothermal and/or water source heat pumps - HWA™ is not responsible for the costs associated with matching dimensions, brand or color made – Except for when Option VI.H. is purchased with this contract, HWA™ will not pay for any modifications necessitated by the repair of existing equipment or the installation of new equipment - Condensate pumps - Electronic, computerized, and manual systems management and zone controllers - After market inducer fan motors - Pellet Stoves - Cable heat – Wood stoves - Solar Heating and Components - Cost for crane rentals. During the period of Buyer’s coverage, HWA™ will pay no more than $1,500 per covered item for diagnosis, access, and repair or replacement of any hot water or steam circulating heating systems, geothermal system and/or water source heat pump or any glycol system.

PREMIUM COVERAGE INCLUDES: Filters and Heat Lamps.

B. DUCTWORK INCLUDED: Duct from heating unit to point of attachment at registers or grills, except: EXCLUDED: Registers and grills - Insulation - Asbestos-insulated ductwork - Flues, vents and breaching - Ductwork exposed to outside elements - Separation due to settlement and/or lack of support - Damper Motors - Electronic, computerized, and manual systems management and zone controllers - Diagnostic testing of, or locating leaks to ductwork, including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when required due to the installation or replacement of system equipment. When covered repairs require access to ductwork, HWA™ will only provide diagnosis, repair, sealing, or replacement to ductwork through unobstructed walls, ceilings or floors (obstructions include but are not limited to floor coverings, appliances, systems and cabinets). If the ductwork is accessible only through concrete encased floor, wall, or ceiling, HWA™ will pay no more than $500 for diagnosis, repair or replacement of such ductwork, including returning the access to rough finish, but will not cover any costs as a result of or determined by diagnostic testing.

C. AIR CONDITIONING/COOLER (NOT EXCEEDING 5 TON CAPACITY AND DESIGNED FOR RESIDENTIAL USE) INCLUDED: Ducted electric central air conditioning, ducted electric wall air conditioning, geothermal/water source heat pumps, and water evaporative coolers - All components and parts, For geothermal/water source heat pumps, all components and parts that are located within the foundation of the home or attached garage, for units below 13 SEER and/or R-22 equipment and when HWA™ is unable to facilitate repair/replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair/replacement will be performed with 13 SEER equipment, R410A equipment, and/or 7.7 HSPF or higher compliant. except: EXCLUDED: Gas air conditioning systems - Condenser casings - Registers and Grills - Filters - Electronic air cleaners - Window units - Non-ducted wall units - Water towers - Humidifiers - Improperly sized units - Chillers and Chiller Components - Commercial grade equipment - Outside or underground piping and components for geothermal and/or water source heat pumps - All exterior condensing, cooling and pump pads - Roof mounts, jacks, stands or supports Condensate pumps - Electronic, computerized, and manual systems management and zone controllers - Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications – Improper use of metering devices (ie. thermal expansion valves) - HWA™ is not responsible for the costs associated with matching dimensions, brand or color made – Except for when Option VI.H. is purchased with this contract, HWA™ will not pay for any modifications necessitated by the repair of existing equipment or the installation of new equipment or additional costs associated with evacuating the system of R-22 or cleaning the system of R-22 - Cost for crane rentals.

PREMIUM COVERAGE INCLUDES: Filters, costs related to Freon recapture and window units.

VI. OPTIONAL COVERAGE AVAILABLE ONLY TO HOME BUYER (NOTE: ITEMS B, C AND D ARE INCLUDED IN THE BASE COVERAGE FOR HOME BUYERS AND SELLERS OF THE PLATINUM AND DIAMOND PLANS, AND ITEM G IS ALSO INCLUDED IN THE BASE COVERAGE FOR HOME BUYERS OF THE DIAMOND PLAN): A. POOL AND/OR SPA EQUIPMENT INCLUDED: Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee is paid - Coverage applies to all above ground components and parts of the heating, pumping and filtration system, including timers (this section is subject to $1,000 aggregate maximum) except: EXCLUDED: Pool sweep motors - Lights - Liners - Concrete encased above ground or underground electrical, plumbing or gas lines - Structural defects - Solar equipment - Jets - Fuel Storage Tanks - Built in or detachable cleaning equipment – Control Panels – Control Switches – Computerized Control Boards - Ornamental fountains and other waterfall type equipment – Pool cover and related equipment – Disposal filtration medium.

B. KITCHEN REFRIGERATOR W/ICE MAKER (2ND REFRIGERATOR, STAND ALONE ICE MAKER & STAND ALONE FREEZER USE BELOW) INCLUDED: All components and parts, including integral freezer unit, except: EXCLUDED: Racks - Shelves - ice crushers, beverage dispensers and their respective equipment - Water lines and valve to ice maker - Interior thermal shells - Freezers which are not an integral part of the refrigerator - Food spoilage - Door seals - Lighting and handles - Units moved out of the kitchen. - Audio/Visual Components and Inter Connection Equipment – HWA™ will pay no more than $1,000 for repair or replacement of Stand Alone Ice Maker.

C. WASHER/DRYER PACKAGE 1. Clothes Washer INCLUDED: All components and parts, except: EXCLUDED: Plastic mini-tubs - Soap dispensers - Filter screens - Knobs and dials - Damage to clothing - Door seals.

2. Clothes Dryer INCLUDED: All components and parts, except: EXCLUDED: Plastic mini-tubs - Soap dispensers - Filter screens - Knobs and dials - Damage to clothing - Door seals.

D. ROOF LEAK REPAIRS INCLUDED: Leaks in rolled, asphalt shingle, or clay tile roof structures only - $300 aggregate maximum per contract.

EXCLUDED: Gutters - Drains - Leaks involving roof mounted installations - Ice dam build-up - Deck or balcony roofs Unattached garage roofs - Wood and underlayment - Counter flashing - Leaks resulting from or caused by any one of the following: Missing or broken shingles - Acts of God - Damages due to persons walking or standing on roof - Repairs made by others - Failure to perform normal maintenance.

E. WELL PUMP INCLUDED: All components and parts of well pump utilized for main dwelling only (HWA™ will pay no more than $1,500 per contract term for diagnosis, repair or replacement), except: EXCLUDED: Well casings - Pressure tanks - Pressure switches - Hoisting or removal - Piping or electrical lines leading to or connecting pressure tank and main dwelling - Holding or storage tanks - Redrilling of wells.

Home Warranty of America™, Inc. P.O. Box 850 Lincolnshire, IL 60069-0850 T: 888-492-7359 F: 888-492-7360 www.hwaHomeWarranty.com

Sample Coverage Terms Continued F. SEPTIC TANK PUMPING INCLUDED: Main Line Stoppages/Clogs (one time only, must have existing access or clean out). If a stoppage is due to a septic tank back up, then we will pump the septic tank one time during the term of the plan. Coverage can only become effective if a septic certification was completed within 90 days prior to close of sale. HWA™ may require a copy of the certification prior to service dispatch.

EXCLUDED: The cost of gaining or finding access to the septic tank; the cost of sewer hook ups; Disposal of waste; Chemical treatments; Tanks; Leach lines; Cess pools; Mechanical pumps/systems.

G. PREMIUM COVERAGE PLAN (INCLUDED IN DIAMOND PLAN, OPTIONAL TO ALL OTHER PLANS) INCLUDED: This plan adds certain coverages to the heating, cooling, plumbing, and kitchen appliances that are otherwise excluded. Will pay up to $250 aggregate to correct a code violation and $250 per occurrence for permits in relation to a heating, electrical, or plumbing service call if necessary to effect repair or replacement. See each covered item’s sections for details.

H. 13 SEER/R410A Modifications INCLUDED: IIf Government regulations prevents HWA™ from repairing or replacing a covered air conditioning system, or heating system with like efficiency or capacity, and HWA™ provides an upgraded unit pursuant to Section V. of this Contract, then HWA™ will also pay for up to $500 aggregate per contract of modifications to valves, line sets, evaporator coils, sheet metal, transitions, plenums, pads, stands, electrical, plumbing, additional costs to clean and evacuate a system of R-22, flues and crane charges required to complete the replacement installation of the heating or air conditioning system.

EXCLUDED: Permits, cleaning, disposal or ductwork testing and/or sealing I. SEPTIC SYSTEM (PER TANK)/SEWAGE EJECTOR PUMP INCLUDED: Aerobic pump, jet pump, sewage ejector pump, septic tank and line from house to tank. Cost to diagnose, repair and/or replace the systems, including pumps, septic tank and or line is limited to a total of $500 per contract.

EXCLUDED: Tile fields and leach beds, leach lines, lateral lines, insufficient capacity, cleanout, pumping (except if purchased under separate option), pumping, seepage pits.

J. ORANGEPLUS INCLUDED: INCLUDED: Increases toilet replacement of like quality up to $600 – Increases professional series appliances to $2,500 - Removal of all defective equipment that is replaced by HWA™ under the terms of this contract –Unknown preexisting conditions and Unknown improperly matched and/or installed systems defined as follows: HWA™ will repair or replace a covered system or appliance that fails or identified due to an associated failure that was either pre-existing or not properly matched in size or efficiency, and/or improperly installed prior to or during the contract term, provided that it was unknown or could not be known to the seller, buyer or agent by a visual inspection or simple mechanical test prior to the start of the contract. HWA will pay no more than $750 per contract for any unknown improper installation. If a service request is made pursuant to this contract option, HWA™ reserves the right to request a copy of any visual or mechanical test that may have been performed by a home inspector or other licensed mechanical contractor.

K. HWA™ GREENPLUS INCLUDED: If a covered appliance (limited to Dishwasher, Refrigerator, Clothes Washer), Heating System (limited to Furnace), or Water Heater breaks down per section H. above and subject to all other contract inclusions, exclusions and limitations, and it can not be repaired, HWA™ will replace as follows: the appliance with an ENERGY STAR Qualified product (subject to availability), one with all other like kind and features as existing appliance; the Heating System with a 90 percent efficiency model; and Water Heater with a tankless water heater, except: EXCLUDED: All other contract limitations of liability and exclusions apply. HWA™ will pay no more than $1500 for upgrade replacement of tankless water heater and will only be paid upon proof of replacement. Receipt for replacement must be obtained by HWA™ within contract period. No costs for modifications or alterations will be paid for heating system.

VII. A.

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ARBITRATION & LIMITATIONS OF LIABILITY ARBITRATION If a dispute arises from or relates to this agreement or its breach, and if the dispute cannot be settled through direct discussions, the parties agree to try first to settle the dispute by mediation administered by the American Arbitration Association under its Commercial Mediation Rules. If they are unable to do so, they agree to submit all disputes that are not resolved to arbitration before the American Arbitration Association in accordance with its Commercial Arbitration Rules.

If the parties agree, the mediator involved in the parties’ mediation can serve as the arbitrator.

Any award of the arbitrator against HWA™ cannot exceed $5,000 per claim or $15,000 in the aggregate. HOME OWNER expressly waives all claims in excess of, and agrees that its recovery shall not exceed, these amounts. Any such award shall be in satisfaction of all claims by HOME OWNER against HWA™.

Judgment on any award rendered in such arbitration can be entered in and enforced by any court having jurisdiction.

LIMITATIONS OF LIABILITY The following are not Included for the home seller (i) malfunction or improper operation due to rust or corrosion of all systems and appliances, (including plumbing systems, heating systems, electrical systems, built-in wall units or heat pumps) and/or air conditioning systems/coolers or pools/spas, (ii) collapsed ductwork.

HWA™ is not responsible for providing access to or closing access from any covered item which is concrete-encased or otherwise obstructed or inaccessible (ie. Beneath crawl spaces, floor coverings, systems, cabinets etc.). HWA™ will pay no more than $500 for diagnosis, repair or replacement of any covered components within Section IV.A. (Plumbing) or Section V.B. (Ductwork) that are concrete encased or otherwise inaccessible or obstructed.

During the period of Buyer’s coverage, HWA™ will pay no more than $1,500 per covered item for diagnosis, access, and repair or replacement of any hot water or steam circulating heating systems.

At times it is necessary to open walls or ceilings to make repairs. The Service Provider obtained by HWA™ will close the opening, and return to a rough finish condition, subject to the monetary limits outlined in this article VII, Sections 2 and 3 above. HWA™ is not responsible for restoration of any wall coverings, floor coverings, plaster, cabinets, counter tops, tiling, paint, or the like. Similarly, HWA™ is not responsible for the repair of any cosmetic defects or performance of routine maintenance.

Electronic or computerized energy management or lighting and appliance management systems, solar systems and equipment are not included.

HWA™ is not liable for service involving hazardous or toxic materials including but not limited to mold, lead paint, or asbestos, nor costs or expenses associated with refrigerant recovery, recycling, reclaiming or disposal. HWA™ is not liable for any failure to obtain timely service due to conditions beyond its control, including, but not limited to, labor difficulties or delays in obtaining parts or equipment.

HWA™ is not liable for repair of conditions caused by chemical or sedimentary build up, misuse or abuse, missing parts, structural changes, fire, freezing, electrical failure or surge, water damage, lightening, mud, earthquake, soil movement, soil settlement, storms, accidents, pest damage, or acts of God. HWA™ has the sole right to determine whether a covered appliance, system or component will be repaired or replaced.

Parts and replacements will be of similar or equivalent quality and efficiency to those being replaced subject, however, to limitations stated in this contract. Where replacement equipment of identical dimensions is not readily available, HWA™ is responsible for providing installation of like quality equipment but not for the cost of construction or carpentry made necessary by different dimensions. HWA™ is not responsible for upgrade or matching color or brand. During the listing period, and for the first 30 days of the buyers period, HWA™ is not liable for replacement of entire systems or appliances due to obsolete, discontinued or unavailability of one or more integral parts. However, HWA™ will provide reimbursement for the costs of those parts determined by reasonable allowance for the fair value of like parts.

HWA™ is not liable for repairs related to: adequacy or capacity of appliances, components and systems in the home; improper installation, design or previous repair of appliances, components and systems: problems or failures caused by a manufacturer’s defect. Unless Option VI.H is purchased, HWA is not liable for repairs related to costs of construction, carpentry, or other incidental costs associated with the alterations, modifications, or upgrades of all appliances, components or installation of different equipment and/or systems. Also, Unless Option VI.H. is purchased, HWA is not responsible for providing upgrades, components, parts or equipment required due to the incompatibility of the existing equipment with the replacement system, appliance or component/part including but not limited to 13 SEER, R410A and or 7.7 SPF or higher compliant as well as any other efficiency mandated by federal, state, or local governments.

HWA™ is not liable for the repair or replacement of commercial grade equipment, systems or appliances. HWA™ shall pay no more than $1,000 in aggregate for professional series or like appliances such as, but not limited to, brand names such as Sub Zero, Viking, Bosch, JENN-AIR, GE Monogram, Thermador, and etc.

HWA™ reserves the right to require a second opinion.

HWA™ is not liable for normal or routine maintenance. The contract holder is responsible for performing normal and routine maintenance. For example, you are responsible for providing maintenance and cleaning pursuant to manufacturers’ specifications, such as periodic cleaning of heating and air conditioning systems, evaporator coils and condenser coils, as well as periodic filter replacement. HWA™ will not be responsible for repairs of systems or components arising from a manufacturer’s defect or recall or while still under manufacturer’s or distributor’s warranties. HWA’s responsibilities will be secondary to any other extended or in-home warranties that exist for the included systems, components and appliances.

Unless Option VI.J. is purchased HWA™ is not responsible for removal and hauling away of old equipment or appliances. Where available, you may be charged an additional fee by the service vendor for removal and/or disposal of an old system, component or appliance.

HWA™ reserves the right to offer cash back in lieu of repair or replacement in the amount of HWA’s actual cost to repair or replace any covered system, component or appliance.

NA10 9/10 - AK, CT, DE, IA, IL, KS, MA, MD, ME, MI, MN, MO, ND, NE, NH, NJ, NY, OK, PA, RI, SC, SD, VA, VT, WI, WV

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HWA™ will pay no more than $400 maximum aggregate per contract for diagnosis and repair of each burglar and fire alarm systems, fans and vacuums.

HWA™ will pay no more than $2,000 maximum aggregate for any and all plumbing and electrical repairs required due to rust and corrosion (subject to all other contract limitations) nor more than $1,500 per contract period for well pump repairs or replacements and no more than $1,000 for tankless or oil water heaters and Stand Alone Ice Makers and the like.

Unless option VI.J. is purchased HWA™ will not pay for the repairs or replacement of any covered systems or appliances if they are inoperable as a result of pre-existing conditions, deficiencies and/or defects.

HOME OWNER agrees that HWA™ is not liable for the negligence or other conduct of the Service Provider, nor is HWA™ an insurer of Service Provider’s performance. HOME OWNER also agrees that HWA™ is not liable for consequential, incidental, indirect, secondary, or punitive damages. HOME OWNER expressly waives the right to all such damages.

HOME OWNER’s sole remedy under this agreement is recovery of the cost of the required repair or replacement, whichever is less. HOME OWNER agrees that, in no event, will HWA™’s liability exceed $5,000 per covered item or $15,000 in the aggregate.

VIII. BUILDING AND ZONING CODE REQUIREMENTS OR VIOLATIONS A. HWA™ will not contract for services to meet current building or zoning code requirements or to correct for code violations (except when option VI. H. is purchased), nor will it contract for services when permits cannot be obtained. HWA™ will not pay for the cost to obtain permits (except when option VI. H is purchased).

B. Except as required to maintain compatibility with equipment manufactured to be 13 SEER, R410A, and/or 7.7 HSPF or higher compliant, HWA™ is not responsible for upgrade or additional costs or expenses that may be required to meet current building or zoning code requirements or correct for code violations. This includes city, county, state, federal and utility regulations and upgrades required by law.

IX.

LEASE OPTIONS Coverage on lease options is available for the lessee only, and begins upon payment of contract fee and receipt of application by HWA™. Coverage continues for one full year from receipt of application and contract fee. Listing coverage is not available for sellers of investment and/or rental property.

X. A.

MULTIPLE UNITS AND INVESTMENT PROPERTY If the contract is for duplex, triplex, or fourplex dwelling, then every unit with in such dwelling must be covered by an HWA™ contract with applicable optional coverage for coverage to apply to common systems and appliances.

If this contract is for a unit within a multiple unit of 5 or more, then only items contained within the confines of each individual unit are covered. Common systems and appliances are excluded. Listing coverage is not available to seller.

Except as otherwise provided in this section, common systems and appliances are excluded.

B. C.

XI. TRANSFER OF CONTRACT & RENEWALS A. If your Included property is sold during the term of this contract you must notify HWA™ of the change in ownership and submit the name of the new owner by phoning 1-888-HWA-RELY in order to transfer coverage to the new owner.

B. This contract may be renewed at the option of HWA™ and where permitted by state law. In that event you will be notified of the prevailing rate and terms for renewal.

XII. CANCELLATION This contract shall be noncancelable by company except for: A. Nonpayment of contract fees; B. Fraud or misrepresentation of facts material to the issuance of this contract; C. When contract is for listing coverage and close of sale does not occur.

D. If contract is canceled, the Home Owner shall be entitled to a pro rata refund of the paid contract fee for the unexpired term, less service and administrative costs incurred by HWA™; If listing coverage is cancelled after service has been performed, and the policy fee has not yet been paid, policy holder will be responsible for purchase of policy, or reimbursement to HWA™ of service costs incurred, whichever is less.

E. Cancellation within 30 days of acceptance of HWA™ if no service request has been made. If so canceled by the Contract holder, the Contract holder is entitled to a full refund of the contract proceeds less a cancellation fee of the lesser of $30 or 10% of the Contract fee.

F. Illinois Residents: In addition to the terms stated in Section XII. E., HWA™ and Illinois residents may cancel the Contract at any other time and the Contract holder will be entitled to a pro-rata refund of the Contract proceeds (based on the number of complete months remaining) less the value of any service received and less a cancellation fee of the lesser of $50 or 10% of the Contract fee.

G. Oklahoma Residents: The following language replaces the cancellation language above. In the event the contract is canceled by the warranty holder, return of premium shall be based upon ninety percent (90%) of the unearned pro rata premium less the actual cost of any service provided under the service warranty contract. In the event the contract is canceled by the association, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium less the actual cost of any service provided under the service warranty contract.

H. South Carolina Residents: If you cancel this contract within 20 days of acceptance by HWA™ and if no claim has been made under the service contract, you are entitled to a refund of the full purchase price. A ten percent penalty per month shall be added to a refund that is not paid or credited within forty-five days after return of the service contract to the provider.

I. Virginia Residents: If you cancel this contract within 20 days and if no claim has been made, you will be entitled to a full refund of the purchase price.

J. Wisconsin Residents: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE WISCONSIN OFFICE OF THE COMMISSIONER OF INSURANCE. If you cancel this plan, no deduction shall be made from the refund for the cost of any services received. This plan shall not be cancelled due to unauthorized repair of covered equipment.

XIII. MISCELLANEOUS A. Attorneys’ Fees. If either party is required to defend itself in litigation, arbitration, or otherwise, then the defending party is entitled to recover from the instigating party the amount of attorneys’ fees and expenses the defending party incurs in defending the litigation, arbitration, or other proceeding unless the instigating party substantially prevails in the litigation, arbitration, or other proceeding. To the extent that the instigating party seeks monetary relief, to substantially prevail means that the instigating party must recover at least 50% of whatever that party is seeking.

B. Connecticut Residents: The expiration date of this Plan shall automatically be extended by the duration that the product is in our custody while being repaired. In the event of a dispute with administrator, you may contact The State of Connecticut, Insurance Department, PO Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the product, the cost of repair of the product and a copy of the Plan.

Kansas Residents: This plan is not an insurance policy.

Oklahoma Residents: This service warranty is not issued by the manufacturer or wholesale company marketing the product. This warranty will not be honored by such manufacturer or wholesale company. Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association. Home Warranty of America, Inc. is both the Obligor and Administrator. Oklahoma service warranty Statutes do not apply to commercial use references in service warranty contracts.

South Carolina Residents: In the event of a dispute with the provider of this contract, you may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or (800) 768-3467.

Virginia Residents: If you are unable to contact or obtain satisfaction from the home service contract provider you may contact the Commission at: Virginia Bureau of Insurance; 800-552-7945; 1300 East Main Street, Richmond, Virginia 23219.

Wisconsin Residents: Timeliness of notice. Provided notice or proof of loss is furnished as soon as reasonably possible and within one year after the time it was required by the policy, failure to furnish such notice or proof within the time required by the policy does not invalidate or reduce a claim unless the insurer is prejudiced thereby and it was reasonably possible to meet the time limit.

C. Obligations of the provider under this service contract are backed by the full faith and credit of the provider. Home Warranty of America™, Inc. PO Box 850 Lincolnshire, IL 60069-0850. Limits of liability are $5,000 per claim or $15,000 in aggregate.

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home M AY/J U N E 2 015

Tips and tre nd s for homeow ners, buyers and sellers

YOUR ULTIMATE

backyard º

With spring coming to an end, it is time to prepare your home for all things summer.

Whether you want to play host to summer barbecues or just want a place to relax in the sun, there are lots of options for outdoor recreation spaces. Working to build a premier outdoor area can not only serve as the ideal place to spend time with family and friends, but it can also add value to your home.

Here are some ideas for equipping your ultimate summer backyard:

Let There Be Light Light up your outdoor space by installing lights along walkways or on tables, or stringing lights around a seating area. This lighting not only creates a relaxed atmosphere, it’s also great for night-time showings when it’s time to sell.

Create an Outdoor Kitchen Area While only about 4 percent of affluent households have

outdoor kitchens today, 13.6 percent say they are planning to add one in 2014. A recent study by the National Association of Home Builders (NAHB) found that outdoor kitchens can add to a home’s value.

Upgrading your standalone grill to a built-in grill with additional counter space can go a long way.

Cozy Up Adding outdoor couches, throw pillows and rugs creates the perfect ambiance for entertaining and invokes a feeling of comfort and serenity, according to the National Association of REALTORS® (NAR). These additions also provide value for staging and help potential homebuyers visualize themselves in the home.

Bug Off There aren’t many downsides to the summer, but one of them is the return of the insects. To make your outdoor space critter-free, make sure you have citronella candles handy.

NATURAL LANDSCAPING

According to a study conducted by the National Drought Resilience Partnership (NDRP), the drought across the Western United States and parts of the Midwest region will intensify in 2015. With so much sun and little rain, homeowners will need to prepare their landscapes accordingly. If you live in one of these drought-ridden areas, an easy solution for an efficient and attractive yard is a natural landscape.

Natural landscapes are gaining popularity for good reason.

Plants native to a particular region have adapted to the surrounding environment, whether it features harsh winters, flooding or droughts. Native plants tend to flourish in local soils, and the Environmental Protection Agency (EPA) says these landscapes are good for the environment.

Aside from occasional pruning and weeding, maintenance on natural landscaping is minimal. Once implemented, native landscapes do not need fertilizers, herbicides or pesticides.

Natural landscapes usually require less water and minimal maintenance, which make them ideal for busy homeowners.

Another growing trend in drought-ridden areas such as California is “xeriscaping.” Plants required for this type of landscaping vary by region, but they are commonly wasteefficient and require extremely low amounts of water — if any at all, the EPA says.

Maintenance-free “hard elements” in a yard can include rocks, fences, walking paths or lawn ornaments. These features help fill your landscape and require zero maintenance.

Whatever choice homeowners consider when deciding how to create a beautiful outdoor landscape, NAR recommends keeping costs below 5 to 10 percent of the home’s value, so that you don’t over-improve.

BROUGH T T O Y OU B Y Y OUR A GEN T, A MEMBER OF T HE C OUNCIL OF RE SIDEN T I A L SPECI A L IS T S

Tips and trends for homeowners, buyers and sellers

SECURITY º

system

The kids are out of school and the sun is shining. You are finally able to take the family vacation that you have planned for all year. But when you leave the house and lock your door, is it really safe? Some of these best practices from Better Homes and Gardens will help you safeguard your home while on vacation.

Keep Quiet — Don’t discuss travel plans in public. You never know who might hear you say you won’t be home. Additionally, don’t post pictures or comment about your vacation on social media until you return.

Mail Arrangements — A full mailbox or pile of newspapers in your driveway can tip off criminals to an empty home. Contact the U.S. Postal Service to hold your mail and contact your newspaper to suspend delivery or ask a neighbor to collect the papers.

SAY YES TO CRS IL

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EQUAL HOUSING

Neighborhood Watch — Ask a neighbor or friend to keep an eye on your home while you are away and make sure they have a reliable contact number for you in case of an emergency.

Fake Your Stay — Set a timer for lights and televisions to turn off/on at night.

This gives the impression that someone is home and deters any intruders.

Lock Up — Although this might be obvious, take one last tour of the house to make sure all windows are locked and the alarm system is correctly armed. After this you are ready to lock the doors and hit the road with peace of mind.

Buying or selling a home can seem like an overwhelming task. But the right REALTOR® can make the process easier — and more profitable.

A Certified Residential Specialist (CRS), with years of experience and success, will help you make smart decisions in a fast-paced, complex and competitive marketplace.

To earn the CRS Designation, REALTORS® must demonstrate outstanding professional achievements — including high-volume sales — and pursue advanced training in areas such as finance, marketing and technology. They must also maintain membership in the National Association of REALTORS® and abide by its Code of Ethics.

Work with a REALTOR® who belongs in the top 3 percent in the nation. Contact a CRS today.

DO YOU KNOW SOMEONE WHO IS THINKING ABOUT BUYING OR SELLING A HOME? PLEASE MENTION MY NAME. This newsletter is for informational purposes only and should not be substituted for legal or financial advice.

If you are currently working with another real estate agent or broker, it is not a solicitation for business.

OPPORTUNITY

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PROFESSIONAL REAL ESTATE SERVICES

Mike Hughes Mike Hughes is a full-time agent who consistently employs traditional and new marketing techniques to benefit his clients and maximize their home value.

Mike offers the most comprehensive marketing system with aggressive follow-up, advanced technology and market analysis to place his clients ahead of their competition. This strong commitment and work ethic, coupled with his endearing personality, vast market knowledge and ready accessibility, make Mike the ultimate go-to resource for all your real estate needs. Mike is married to Jennifer F. Hughes, Ph.D, they have two children Eden and Henry Hughes.

Realtor, CRS (617) 433-9225 Mike@MikeHughesTeam.com

Connect With Us www.MikeHughesTeam.com

It was a pleasure working with you ... we followed your suggestions to the letter, and that’s the reason for the very successful sale.

- Maureen Bonazoli Thanks for introducing us to the area and helping us find the right place. I know that we looked at a ton of property and you really helped us keep priorities in mind. Obviously, we didn’t expect to move so soon after the purchase - everything from your professional stager and photos to online promotion placed us ahead of the competition. We’re thrilled that you were able to help us sell so quickly.

- Mark & Amanda Huefner

Additional Qualifications EDUCATION & PROFESSIONAL MEMBERSHIPS • CRS, Certified Residential Specialist • CHMS, Certified Home Marketing Specialist • CBR, Certified Buyer Representative • Loss Mitigation Certification (LMC & SFR) • Greater Boston Real Estate Board • Massachusetts Association of Realtors • National Association of Realtors • Council of Residential Specialist • The Institute for Luxury Home Marketing • Sandler Sales Training • Mike Ferry Agent Network & Business Planning • Bachelor of Science, Bentley University

ATTORNEY REPRESENTATION Scott Taylor, Esq. Kriss Law p 617-964-3788 e STaylor@KrissLawAtlantic.com w www.KrissLawAtlantic.com

REAL ESTATE CAREER ACHIEVEMENTS • 2014 - RE/MAX Platinum Club • 2014 - MA Young Professionals Network Committee • 2014 - Awarded RE/MAX Hall of Fame Membership • 2013 - Council of Residential Specialist, Programs Chair • 2012 - 2013 RE/MAX 100% Club • 2012 - Ranked in the TOP 15 in RE/MAX New England • 2011 - Massachusetts Association of Realtors, Technology Chair • 2009 - Team leader ranked in the TOP 25 in RE/MAX New England • 2009 - RE/MAX Platinum Club • 2008 - RE/MAX 100% Club

More Support

HOME INSPECTOR Todd Caisse Pillar to Post Home Inspections p 508-699-0934 e Todd.Caisse@PillartoPost.com w www.PillartoPost.com MORTGAGE PROFESSIONAL Jason Evans Sr. Loan Officer Mortgage Master p 508-850-4348 e JEvans@MortgageMaster.com w www.MortgageMaster.com/JEvans

He is well-informed about the vagaries of the real estate market in general, and the localities he serves in particular. He buttressed his advice to me with factual data and statistics, and answered all the questions I threw at him. He knows the market and understands the psychology of selling and buying, the strategies he devised to market my house were canny and meticulous in detail. - Alice Morrish Thanks again for helping me buy and sell my last home! I know that it was a tough market and I really think that we were able to get out from under the house because of your efforts and unique approach. More importantly, your help when we originally purchased the house made it financially possible for us to sell at the price we did. You kept your word with the “Loveit-or-leave-it” program - thanks! - Brian Chapman