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MLS #________________________ This is a legally binding Contract governed by the laws of the Commonwealth of Kentucky. It is agreed that all terms and conditions pertinent hereto are included in this writing, and no verbal agreements or understandings of any kind shall be binding upon the Parties. Seller and Buyer acknowledge that they have not relied upon the advice or representations of Brokers or Agents regarding, among other things, legal and tax consequences of this Contract, and Seller and Buyer acknowledge that if such matters have been of concern to them, they have sought and obtained independent advice relative thereto.

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This document is copyrighted by the Greater Louisville Association of REALTORS, Inc. and is for the use of its Members only.

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Affiliated Business Arrangement Disclosure Statement To:

_______________________________________________

Property:

____________________________________________

From:

_______________________________________________

Date:

____________________________________________

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This is to give you notice that HomeServices of Kentucky Inc. doing business as Semonin, REALTORS® (“Semonin, REALTORS®”), HomeServices Relocation, LLC, Prosperity Home Mortgage, LLC, Edina Realty Title, Inc. doing business as HomeServices Title, Inc. (“HomeServices Title, Inc.”), HomeServices Insurance, Inc. doing business as HomeServices Insurance Agency (“HomeServices Insurance Agency”), and Vanderbilt Mortgage and Finance Inc. doing business as Silverton Mortgage (“Silverton Mortgage”) are part of a family of companies (the “Affiliated Companies”) owned by Berkshire Hathaway, Inc. (“Berkshire Hathaway”), and each may refer to you the services of another. Semonin, REALTORS ®, HomeServices Relocation, LLC, Prosperity Home Mortgage, LLC, HomeServices Insurance Agency, and HomeServices Title, Inc. are each wholly owned either directly or indirectly by HomeServices of America, Inc. (“HSoA”), a Berkshire Hathaway affiliate. Silverton Mortgage is a wholly-owned indirect subsidiary of Clayton Homes, a Berkshire Hathaway affiliate. Because of these relationships, the referral of a customer (including you) by any of the Affiliated Companies to another may provide the referring company, its affiliates, and/or their employees with a financial or other benefit.

In addition, while Semonin, REALTORS® is not affiliated with American Home Shield Corporation doing business as HSA Home Warranty (“HSA Home Warranty”), it does advertise them for a fixed service fee.

Set forth below is the estimated charge or range of charges for each of the services listed. You are NOT required to use any of these service providers as a condition of the sale of the subject property or to obtain access to any settlement service.

THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. Service Provider Semonin, REALTORS® HomeServices Relocation, LLC

Charge or Range of Charges $199 plus 6% - 10% of the sales price

Relocation Services

Fees paid by real estate broker

Loan Origination Fee Appraisal Third Party Fees

$0 - $1,199 (2% of loan amount on some bond products) $425 - $1,102 $33 - $215 (credit report, tax service fee, flood cert fee)

Lender’s Policy

$1.50 - $3.35 per $1,000 of coverage, based on type and total amount (minimum $100); or $100 - $150 if issued simultaneously with Owner’s Policy $2.00 - $4.40 per $1,000 of coverage, based on type and total amount (minimum $100) $115 - $250 per transaction

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Prosperity Home Mortgage, LLC

Service Provided Broker’s Commission

HomeServices Title, Inc.

Owner’s Policy

Title Search & Exam Fee Closing Protection Letter ALTA Endorsement

$50 (KY); $35 for Lender, $25 for Buyer, $25 for Seller (IN) $30 per endorsement (KY); $50 per endorsement (IN)

HomeServices Insurance Agency*

Homeowner’s Insurance

$300 - $4,000 annual premium, depending on product and associated risk assessments (e.g., age of home, credit score, past claims of the insured, etc.)

Silverton Mortgage

Loan Origination Fee Appraisal

0 – 2.75% of the loan amount (includes third party fees) $475 - $900

HSA Home Warranty

Home Warranty

$465 - $2,862, depending on property and coverage options

ACKNOWLEDGEMENT: I/we have read this disclosure form and understand that the Affiliated Companies may refer me/us to purchase the above-described settlement service(s) from one another and that any such referrals may provide the referring company, its affiliates, and/or their employees with a financial or other benefit. _________________________________________________ Signature (Date)

___________________________________________________ Signature (Date)

* In rare cases, your insurance policy may instead be issued by Long & Foster Insurance Agency, Inc., an affiliate of HomeServices Insurance, Inc. (“HSI”), or under another of HSI’s trade names. HSI’s trade names include: Edina Realty Insurance Agency, Home Team Insurance, HomeServices Insurance Agency, InsuranceSouth, Long Insurance Group, PCG Agencies, PCG Insurance Agency, ReeceNichols Insurance, and Trident Insurance Agency.

HSOA-00009439.18

Rev. 2/15/2022

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Compensation Information

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Buyer agrees Broker’s total compensation for services under this agreement will be a commission consisting of $199 AND a percentage of the sales price, to be paid at closing. Unless otherwise agreed upon in writing the portion of the commission, which is based on a percentage of the sales price shall be paid by the Seller or Listing Broker, at closing. Buyer acknowledges Buyer shall pay the $199 portion of the total compensation at closing.

We Also Want You to Know

At Semonin Realtors ® , we work hard to make sure your real estate transaction meets the requirements of the many laws and regulations, which may affect your transaction. As a service to our clients, if in the next five years you need to obtain a copy of a document related to your transaction, we will be happy to provide it for you. Semonin Realtors® offers many unique products and services to help you and your agents successfully buy and sell your home, including: Affiliated Services o Home Warranty Partners o HomeServices Kentuckiana Insurance o HomeServices Title o Prosperity Home Mortgage, LLC (mortgage services) Branded HomeSnap Mobile Listing App Electronic Signature Capabilities Free Relocation Packet Full-Time, Dedicated In-House Departments o Full-Service Print Shop o Marketing and Technology Support o New Homes Division o Relocation Services Interactive Voice Response System with Text Capabilities Local Area Orientation Tours Multiple Offices in Kentucky and Southern Indiana Preparing and Negotiating Contracts SkySlope Transaction Management World-Wide Listing Syndication

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•

• • • •

• • • • • •

Buyer

Date

Common Buyer Form | Revised 12/04/2019

Buyer

Date

Page 1 of 1

Anti-Fraud Disclosure Statement

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Electronic communications such as email, text messages and social media messaging, are neither secure nor confidential. While Semonin Realtors has adopted policies and procedures to aid in avoiding fraud, even the best security protections can still be bypassed by unauthorized parties. Semonin Realtors will never send you any electronic communication with instructions to transfer funds or to provide nonpublic personal information, such as credit card or debit numbers or bank account and/or routing numbers.

YOU SHOULD NEVER TRANSMIT NONPUBLIC PERSONAL INFORMATION, SUCH AS CREDIT OR DEBIT CARD NUMBERS OR BANK ACCOUNT OR ROUTING NUMBERS, BY EMAIL OR OTHER UNSECURED ELECTRONIC COMMUNICATION. EMAILS ATTEMPTING TO INDUCE FRAUDULENT WIRE TRANSFERS ARE COMMON AND MAY APPEAR TO COME FROM A TRUSTED SOURCE. If you receive any electronic communication directing you to transfer funds or provide nonpublic personal information, EVEN IF THAT ELECTRONIC COMMUNICATION APPEARS TO BE FROM Semonin Realtors, do not respond to it and immediately contact Semonin Realtors. Such requests, even if they may otherwise appear to be from Semonin Realtors, are likely part of a scheme to defraud you by stealing funds from you or using your identity to commit a crime.

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To notify Semonin Realtors of suspected fraud related to your real estate transaction, contact: fraudalert@semonin.com.

ACKNOWLEDGMENT: I/we have read this Anti-Fraud Disclosure Statement and understand that Semonin Realtors will never send me/us any electronic communication with instructions to transfer funds or provide financial account numbers or other nonpublic personal information.

Signature

Print Name

Common Forms | Revised 11/27/2019

(Date)

Signature

(Date)

Print Name

Page 1 of 1

Inspection Recommendation Form Semonin Realtors® and ___________________________________ , associate, have strongly advised ________________________________________ to have the following Inspections performed on the property located at ______________________________________________.

5. Radon Inspection.

This advice is Accepted

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1. Home Inspections as per offer to purchase.

This advice is Accepted This advice is Rejected

2. Staked Survey. (If Applicable) This advice is Accepted

This advice is Rejected

6. Septic System. (If Applicable) This advice is Accepted This advice is Rejected

This advice is Rejected

3. A wood destroying insects or organisms inspection.

This advice is Accepted

7. Square Footage Verification.

This advice is Accepted

This advice is Rejected

8. Other: ______________________________.

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4. Lead Based Paint Inspection when home built prior to 1978. (If Applicable) This advice is Accepted

This advice is Rejected

This advice is Rejected

This advice is Accepted This advice is Rejected

I/we understand the selection, scheduling, and payment of the service providers shall be my/our responsibility as per the time frame stated in the offer to purchase.

If I/we elect not to obtain the above referenced inspection(s)/report(s)/survey, I/we will be subject to and assume the risks of all matters that such inspection(s)/report(s)/survey would have revealed.

I/we expressly release Semonin Realtors® and its agents and broker from all claims with respect to matters that might have been revealed by such inspection(s)/report(s)/survey.

________________________________________________________ Buyer

____________________ Date

________________________________________________________ Buyer

____________________ Date

Common Buyer Form | Revised 11/27/2019

Page 1 of 1

UNDERSTAND YOUR HOME WARRANTY With an HSA home warranty, you get valuable coverage for your mechanical systems and appliances; however, not all services and failures are covered. HSA wants to help you understand the coverage, so you see the value in having our home warranty. For a complete understanding of your HSA home warranty, read the sample contract portion of this brochure.

The following services: May not qualify for repair: • Improper installation • Code violations

May incur additional costs: • Disposal of the replaced equipment • Modifications required to fit new equipment • Code violations • Permit fees • Coolant evacuation and recovery

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Do not qualify for coverage: • Normal maintenance or cleaning • Drain line stoppages due to roots

Coverage for some of the above services is available in our Buyer 7 Star Upgrade Package. You can review the enhanced coverage included in this upgrade in the section below.

SELLER/BUYER COVERAGE Basic Plan with $100 Trade Call Fee

SELLER HVAC OPTION

$500

$50

Central heat, central air/heat pump and thermostat, ductwork and attached humidifier

BASIC PLAN

Central heat, central air/heat pump and thermostat Ductwork and attached humidifier

SELLER Optional $50

BUYER

✓ ✓

Water heater and instant hot water dispenser

✓

✓

Plumbing parts and primary sump pump

✓

✓

BUYER 7 STAR UPGRADE

$149

BUYER

Central heat and air: registers, grills, filters & heat lamps

✓ ✓

Central air: refrigerant recovery and non-ducted window or wall air conditioner

✓

Toilets replaced with like quality

Crane charges for roof top air conditioning or heating replacement

✓

✓

Garage door opener: hinges, springs, keypad and remote transmitter

Water, gas, drain and waste lines

✓

✓

Refrigerator: refrigerant recovery and ice maker/beverage dispenser

Polybutylene leaks

✓

✓

Toilet tank, bowl & wax ring seals (replaced with builder’s standard)

✓

✓

Built-in microwave interior lining, door glass, clock and shelves

✓ ✓ ✓ ✓ ✓ ✓ ✓

Whirlpool bathtub

✓

✓

Oven/range interior lining, clocks, rotisseries, racks, handles, knobs and dials

✓

✓

$250 toward code violations

✓ ✓ ✓ ✓ ✓ ✓

SA M

Faucets and routing of drain line stoppages

Smoke alarms

Electrical system

✓

Trash compactor lock/key assembly & bucket Dishwasher racks, baskets & rollers

$500 toward modifications on central heat, air or water heater

Garage door opener

✓

✓

Ceiling fans and interior attic and exhaust fans

✓

✓

Disposal of replaced equipment

Refrigerator

✓

✓

Mismatched heating and/or air conditioning system

Oven, stove top/range, dishwasher and garbage disposal

✓

✓

Built-in microwave oven and trash compactor

✓

✓

Electronics Plan

$216

Failures due to lack of maintenance

✓

✓

Water Softener

$40

✓

Water well pump

$75

Electronic air cleaner

$35

Failures due to rust and corrosion

Failures due to water heater sediment

✓ ✓

✓

Permits up to $250 per occurrence

Improper installation/repair

BUYER OPTIONS

Clothes washer and dryer

$70

Rekey (up to 6 keyholes and 4 identical keys)

✓

Home freezer

$30

Septic system

✓

Roof leaks

$45

Hot tub

$150

Swimming pool

$150

Pool/hot tub combination (must share common mechanicals)

$175

Lighting fixtures and central vacuum

✓

Burglar alarms, fire alarms and doorbell system

✓

COVERAGE TERMS Seller coverage: effective the date of application and continues for up to 6 months.

Buyer coverage: effective the date of closing and continues for 12 months. Renewable annually.

An HSA home warranty covers repair or replacement of many major components of home systems and appliances, but not necessarily the entire system or appliance. Refer to contract for details.

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SAMPLE CONTRACT PLEASE READ THIS DOCUMENT CAREFULLY. YOU MUST NOTIFY HOME SECURITY OF AMERICA, INC. (HSA) PRIOR TO ACTUAL COMMENCEMENT OF REPAIR OR REPLACEMENT. TO REPORT ALL CLAIMS: Call HSA at 800.367.1448. Fax service invoices to 800.329.2478.

The aggregate coverage under this agreement is limited to $25,000.00; with a $5,000.00 per mechanical system sub-limit, unless a lower per occurrence sub-limit or lower aggregate sub-limit is specifically enumerated elsewhere in this agreement.

Certain items and events are not covered by this contract. Please refer to section F. Limitations of Liability and to the exclusions listed in each applicable section of this contract.

A. Coverage

E. Covered “Component Parts” Seller & Buyer Coverage In accordance with the terms and conditions of the warranty contract, HSA will repair or replace systems and appliances specifically mentioned as covered; all others are excluded. Items listed as Not Covered are intended as examples of the types of items excluded from warranty coverage. They are not completely inclusive of all systems and appliances excluded from coverage. Please reference Section F. Limitations of Liability for general exclusions and limitations.

PL E

1. HSA will provide home protection coverage for authorized repair or replacement of “Component Parts” mentioned as covered in accordance with the terms and conditions of this contract that fail due to “Operational Failure”. HSA will cover“Loss” so long as the “Component Parts”:

4. When you select the service contractor, you may be required to pay them directly and seek reimbursement from HSA if the service contractor will not bill us. HSA is not responsible for overtime service rates unless we determine a life threatening or property damaging “Operational Failure” has occurred. HSA will reimburse you for your approved coverage,subject to applicable Trade Call Fee(s) within 30 days of receipt of a paid invoice from the service contractor or other proof of payment acceptable to HSA. Claim documentation and any correspondence can be faxed to HSA at 800.329.2478 or mailed to 150 Peabody Place, Suite 302, Memphis, TN 38103.

1. DOMESTIC WATER HEATER - COVERED: tank, heat elements, thermostat, valves, flue piping, failures due to sediment build-up, electrical or gas connections; includes tankless water heaters; water heater/ heating combination units and oil systems are covered up to $1,500 aggregate. NOT COVERED: solar/ solar-assisted water heating units, circulating pumps, expansion tanks, energy conservation flues and vents.

A. Are located within the “Interior” of the main foundation of the home or attached or detached garage (except for the exterior well pump, septic system, condensing unit and pool/spa equipment).

B. Are properly installed throughout the term of this contract for proper diagnosis.

C. Become inoperative due to normal wear and tear.

C.1. HSA will provide coverage for systems and appliances which malfunction due to lack of maintenance, rust or corrosion if the defect or mechanical failure would have otherwise been covered. Coverage is only provided for mechanical failures which occur and are reported to HSA during the term of this contract.

D. Are in “Proper Working Order” on the effective date of this contract.

2. This contract covers single-family resale homes and condominium or town house units. Multi-family homes up to and including eight (8) family dwelling units may be covered if applied for and the appropriate fee is paid. Multiplefamily homes qualify for listing coverage; however, coverage is limited to the owner-occupied unit, tenant occupied properties are not eligible for coverage during the listing period. Coverage is for owned or rented residential property and excludes commercial property or residences used as businesses, including but not limited to, day care centers, fraternity/sorority houses and nursing/care homes.

3. Coverage includes only the items stated as covered and excludes all others. Items listed as Not Covered are intended as examples of the types of items excluded from warranty coverage. They are not completely inclusive of all systems and appliances excluded from coverage. Coverage is subject to limitations and conditions specified in this contract.

Please read the contract carefully.

B. Definitions

1. “Component Parts” - the constituent elements of mechanical items as covered by this contract.

2. “Operational Failure” - the mechanical breakdown of “Component Parts”.

3. “Proper Working Order” - functioning as intended and expected for its age, and within the safety standards as established by the system manufacturer.

4. “Loss” - the reasonable market cost or the actual cost HSA can contract for the required services, whichever is less, for the repair or replacement of “Component Parts”.5. “Interior” - the space within the external surface area which constitutes the perimeter of the residence’s exterior walls; under the roofing materials; above or encased in the basement floor or home’s slab, or above the ground surface in a crawl space.

3. “INTERIOR” ELECTRIC - COVERED: wiring, main service panels, sub-panels, receptacles or outlets, switches,fuse boxes, electric wiring to all major electrical equipment; outside outlets attached to the primary residential structure and garage; garage door opener (2 systems maximum) includes track assembly and carriage unit if part of the opener unit; permanently installed “Interior” attic and exhaust fans used for the intake and output of air excluding belts, shutters and filters; ceiling fans. Buyer only: central vacuum; door bell systems; lighting fixtures;burglar alarms and fire alarms. NOT COVERED: any failure in the central electrical system caused by non-covered electrical wiring or components; direct current (D.C.) wiring or components and/or low voltage systems including wiring and relays;telephone wiring; garage door: cables, rollers, hinges, springs, keypads, remote transmitter units or door replacement;central vacuum hoses or accessories; chandeliers; smoke alarms, intercom systems; exhaust equipment mounted on the roof (i.e. turbine ventilator).

4. KITCHEN APPLIANCES - COVERED: all “Component Parts”, except for those excluded below, including timers that affect the primary function of the appliance; all appliances must be located in the primary kitchen unless additional units have been approved by HSA and premium has been received by HSA; includes refrigerator,oven/range, dishwasher, garbage disposal, built-in microwave oven and trash compactor. HSA will pay up to $3000 aggregate for the life of the contract toward repair/replacement of Built-in Professional series or ultra-premium refrigerators,including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company).NOT COVERED: ice maker/crusher and beverage dispensers; drain, condensate line clearing, any failures to the door other than appliance controls located within the door; clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, probes, rotisseries, racks, rollers, light bulbs, lock/key assemblies, buckets, televisions, computer screens or computers that are part of an appliance but do not affect the primary function of the appliance; stand-alone freezer; walk-in freezers; clothes washer and clothes dryer.

SA M

C. Coverage Period

2. “INTERIOR” PLUMBING SYSTEM - COVERED: leaks and breaks of water supply lines, gas lines, drain and waste lines, polybutylene piping; drain line routing with rotary machinery (excludes camera diagnosis and hydro-jetting to clear the line) through an accessible cleanout, p-trap, drain or overflow access points; faucet and shower head assemblies and their respective “Component Parts” including valve for shower/ tub diverter, trip levers,tub stopper assembly and sink pop-up assembly; faucets and shower heads will be replaced with chrome builder’s standard as necessary; pressure regulators, wax ring seals; toilet fixture and water tank (replaced with builder’s standard as necessary); parts within the toilet tank, in-line shut-off valves, risers leading into: sinks, tubs and toilet; primary sump pump for pumping water only; single-point instant hot water dispenser including casing, element, wiring and valve; whirlpool bathtub pump and motor assembly. Buyer only: septic system.

NOT COVERED: ejector/lift pumps; basket strainers,shower base pans, shower enclosures or doors, sinks, tubs, drain tile/French drains, sprinkler systems; water well/cistern; water softener, water filter/purifier, bidets, failures due to salt, mineral beds or deposits; caulking, grouting, or tiles; lines or parts lying within an unheated area; drain line stoppages caused by roots; HSA is not responsible for installing a clean-out or pulling/re-setting a toilet to access a drain line stoppage; routing through roof vents is not covered.

1. Home seller: coverage begins on the date HSA issues a contract number and continues for six (6) months, until close of sale or termination of listing, whichever occurs first. Seller coverage may be extended at the sole discretion of HSA. 2. Home buyer: for properties involved in a real estate transaction, coverage begins at the close of sale and continues for twelve (12) months from that date. Payment is due at the close of sale.

3. New construction: coverage begins on the first anniversary of the close of sale and continues for one or three years from that date. Length of coverage is determined by the premium paid. Payment is due at the close of sale.

4. Buyer direct: for properties not involved in a real estate transaction, coverage begins fifteen (15) days after payment is received by HSA and continues for twelve (12) months from that date. Call 800.367.1448 for pricing and availability.

D. Customer Service

1. YOU MUST NOTIFY US PRIOR TO REPAIR OR REPLACEMENT. When service is needed due to an “Operational Failure”, you are to telephone HSA at 800.367.1448, twenty-four (24) hours per day, and seven (7)days per week.

Your call may be recorded and/or monitored for quality assurance purposes. This telephone contact shall initiate the service request without the requirement of a claim form or service application. This notification includes the requirement that we have the opportunity to speak with the service contractor prior to the implementation of any repairs. Failure to do so may result in our denial of reimbursement for the expenses you incurred.

HSA shall not be liable for a “Loss” unless notice is given to HSA prior to the expiration of your coverage and the reported “Operational Failure” is professionally diagnosed and the diagnosis is reported to HSA within 15 days after the expiration of your coverage, regardless of when the “Operational Failure” occurred.

2. You shall take every precaution to protect the property giving rise to the “Operational Failure” until the necessary repair or replacement is authorized by HSA and made. HSA will initiate service under normal circumstances by contacting a Service Contractor within 48 hours after your service request is made to HSA. The service contractor will contact you to set an appointment. HSA selected service contractors must be used on all claims. Please be aware, HSA may be affiliated with the company or technician performing work under this contract. (Please notify HSA if you have a complaint about an HSA selected service contractor.) If HSA cannot provide a contractor for you, HSA will approve the use of a contractor outside of its network. We have the sole right to determine if items will be repaired or replaced. Unless specifically identified elsewhere in this contract, replacement shall be with systems comparable in features, capacity and efficiency; HSA is not responsible for matching dimensions, color or brand. The use of nonoriginal manufacturer “Component Parts”, including rebuilt or refurbished parts, is permitted in making repairs under this contract. We will use original manufacturer “Component Parts”when non-original manufacturer “Component Parts” are unavailable. HSA reserves the right to obtain additional opinions at our expense. HSA reserves the right to offer cash in lieu of repair or replacement based on what HSA can expect to pay to repair the failure (parts and labor); this amount may be less than retail or less than your actual cost. Once a failure has been diagnosed, subsequent failures to the same system will be exempt from coverage unless and until proof of repair is submitted to HSA. Proof shall include, but is not limited to, receipts verifying repair and/or replacement.

3. TRADE CALL FEE: you are obligated to pay the Trade Call Fee or the actual cost to repair/replace, whichever is less, for each separate trade call. Trade Call Fee amount is determined by the contract price selected. A trade call means each visit by an authorized service contractor for a single trade (plumbing, electrical, appliances, heating and air conditioning and pools/spas). If multiple visits required to remedy the same problem, you are only required to pay one Trade Call Fee. If service work performed under this contract should fail, then HSA will make the necessary repairs without an additional Trade Call Fee for a period of 90 days on parts and 30 days on labor. Your payments must be made prior to completion. We will not respond to a new request for service when any previous Trade Call Fee is outstanding. Failure to pay the Trade Call Fee will result in suspension of service until such time as the proper fee is paid. At that time, service coverage will be reinstated, but the service period will not be extended. Additional work performed by the independent service contractor at your request will be at your sole cost and risk.

4

In the case of a denied claim, you will be responsible for, in addition to the Trade Call Fee, any overtime charges incurred and/or charges incurred to provide access to the failure. HSA will request your approval prior to work involving overtime or accessing charges. Your refusal to approve these potential charges may cause a delay in service or the inability to diagnose the failure and determine coverage availability.

Seller Option (Included with buyer) NOTE FOR SELLER: additional fee required; this option may be ordered at any time during listing coverage; however, seller coverage begins on the date the option is ordered through HSA. Items 5. and 6. in Section E. are limited to a combined $1,500 aggregate maximum during the listing period. Seller central heat/air option must be selected to qualify for coverage.

5. CENTRAL HEAT - COVERED: (up to 2 units) includes forced air furnace; radiant electric including wiring,heat lines installed in electrical baseboards, or ceiling cables; radiant hot water/steam boilers, water heater/heating combination units and oil systems are covered up to $1,500 aggregate including radiant heating lines,circulating pumps and piping; solar heating units including solar collectors, reflectors and fiberglass or galvanized holding tanks that are used for storage of water for a solar heating system; heat exchangers, wall furnaces if they are the main source of heat to the residence; ductwork-attached humidifiers, thermostats, ductwork from heating unit to point of attachment at registers or grills. NOT COVERED: collector box, coal and wood burning equipment, chimneys, fireplaces, flue liners, systems with compressors larger than five tons; oil storage tanks, free standing or portable space heaters, heat or energy recovery units; air cleaners/filters, condensate line clearing, crane charges, heat lamps, filters, registers, grills,insulation, improperly sized ductwork.

6. CENTRAL AIR - COVERED: (up to 2 units) electric units, refrigerated or evaporative units, packaged systems,heat pumps; geothermal system and water source heat pump system “Component Parts” located within the “Interior” of the residence; glycol systems, water source and geothermal heat pump systems are covered up to $1,500 aggregate; thermostats, ductwork from cooling unit to point of attachment at registers or grills. For covered air conditioning and heat pump failures, when repair is not possible and like SEER (Seasonal Energy Efficiency Ratio) or HSPF (Heating Seasonal Performance Factor) equipment is not readily available, HSA will replace with 13 SEER or 7.7 HSPF equipment. HSA will also install a TX valve or will replace the evaporator coil/air handler and line set if necessary to be compatible with the replaced equipment.

Modifications, including but not limited to, a replacement pad for the condensing unit, relocation of existing equipment to accommodate larger sized equipment, ductwork fabrication or plenum work that is necessary to install the new coil in the existing space, will be the responsibility of the homeowner; if the 7 Star Upgrade is purchased, HSA will pay modification charges as outlined in Section E. 7 Star Upgrade. NOT COVERED: gas units, systems with compressors larger than five tons; outside/underground piping, well pump and “Component Parts” for geothermal and/or water source heat pumps; heat or energy recovery units; non-ducted air conditioners, condensate line clearing, crane charges, filters, registers, grills, insulation, improperly sized ductwork.

Buyer Only Coverage 7. ELECTRICAL ITEMS - COVERED: central vacuum motor and relay switches; we do not cover clogged lines or conditions of inadequate capacity; door bell systems which are not part of an intercom system; lighting fixtures;burglar alarms and fire alarms. NOT COVERED: intercom systems; central vacuum hoses or accessories; chandeliers, smoke alarms.

8. SEPTIC SYSTEM - COVERED: “Operational Failures” occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage; includes ejector/lift pump; failures to the septic system electrical wiring, lines, tank, and dry (refuse) well are limited to $600 aggregate including access, diagnosis, repair and/or replacement. NOT COVERED: drain fields, leach beds, aerator/aerator systems and electrical supply lines; cess pools, cess pool cave-ins; upgrading system such as to city or municipal sewage system; septic tank pumping.

SAMPLE CONTRACT 9. REKEY - COVERED: Rekey up to 6 keyholes, including delivery of a total of 4 identical keys, on previously installed and properly functioning non-electronic door knobs and/or deadbolts for the hinged doors accessing the structural walls of your covered residential property. You are responsible for payment of your Trade Call Fee and the cost of any additional services provided. A separate Trade Call Fee applies for each unit of any covered multi-unit property. NOTE: Rekey coverage not available as part of seller’s listing coverage.

Buyer Options (Additional fee required) Optional coverage may be purchased up to 30 days after the effective date of buyer coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.

PL E

10. PERMANENTLY MOUNTED ELECTRONIC AIR CLEANER - COVERED: transformer, power pack, switches, wires and elements. NOT COVERED: free standing units, mesh filters, back flush mechanisms and self-cleaning units.

rough finish condition. HSA is not responsible for moving obstructions including, but not limited to, built-in appliances, systems, cabinets, tile and floor coverings or pulling and re-setting a sink, shower or bathtub to access a failure. Any plumbing or ductwork failure requiring access through concrete, stone, rock or brick is limited to $500 aggregate for total repair cost including access, diagnosis, repair and/or replacement, even if the primary failure is not located within the concrete, stone, rock or brick. If the 7 Star Upgrade is purchased for/by the buyer, HSA will pay up to $1000 aggregate towards a plumbing failure requiring access through concrete, stone, rock or brick. 6. Excessive or inadequate water pressure, electrical surge, excessive or inadequate voltage, electrical currents artificially generated or inadequate amperage, water entry along the service cable. 7. Lack of capacity; normal maintenance, cleaning, adjustments, lubrication services, line bleeding, capacity increases, licenses or inspection fees; failure to maintain the temperature in the residence above freezing; improper use; contamination of fuel or energy. You are responsible for providing maintenance and cleaning on covered items as specified by the manufacturer. For example: heating and air conditioning systems require periodic cleaning and/or replacement of filters and cleaning of evaporator and condenser coils. Water heaters require periodic flushing. 8. Faulty workmanship by any person including a contractor or trade-person selected and hired. Improper installation or connection of any system, appliance or component part by a contractor/trade-person or any other person, including improper conversions of heating systems and additions of air conditioning systems to an existing heating system. If the 7 Star Upgrade is purchased for/by the buyer, HSA will pay costs associated with covered systems that fail due to faulty workmanship or improper installation or modification if the defect or mechanical failure would have otherwise been covered. If the failure is a code violation HSA will pay up to $250 aggregate per the terms outlined under Section G. Building Codes. 9. Secondary damage, consequential damage or any damage caused by or resulting from the failure or malfunction of covered or non-covered “Component Parts”.

Any damage resulting from the actual repair or replacement itself. Conditions beyond our control including delays in obtaining parts, relocation of equipment or labor difficulties including, but not limited to, additional costs associated with repair or replacement of a covered mechanical system due to space restrictions or location of the covered equipment. Any damage alleged to be caused directly or indirectly by the services or the timeliness of the services provided by us. 10. Any remote control transmitting/receiving items. If the 7 Star Upgrade package is purchased for/by the buyer, the remote transmitter for the garage door opener will be covered for the buyer only. Electronic, computerized or energy management systems or devices, or lighting and appliance management systems are not covered; home computers, computer systems, leased or rental equipment and/or components. 11. Damage to the physical structure of the residence including, but not limited to, load bearing walls, walls, roof, roof supports, structural floor base, foundation or slabs, and ceilings except where specifically identified as covered. 12. Cosmetic repairs and non-”Operational Failures” including, but not limited to: finishes, cabinetry, panels, trim,buttons, chipping, dents or scratches. 13. You may be charged an additional fee by the service contractor to dispose of an old appliance, system or component. HSA is not responsible for these charges. If the 7 Star Upgrade package is purchased for/by the buyer HSA will pay the cost to dispose of defective equipment on HSA approved system replacement. 14. Equipment,items or systems that are owned by a condominium association or designated as common area in condominium declarations, plats or plans. 15. More than two central heating units, central air conditioning units or garage door opener systems unless specifically listed and approved by HSA. More than one of any appliance, including water heater, unless specifically listed and approved by HSA. 16. Repairs related to manufacturer recall or defects. In the event that there is other collectible insurance, manufacturer warranty or in-house warranty or guarantee coverage available to you covering an “Operational Failure” that is also covered by this contract, our coverage shall be in excess of, and we will not contribute with, any other insurance, warranty or guarantee. 17. HSA is not responsible for repair or replacement of systems or appliances classified by the manufacturer as commercial. HSA will pay up to $3000 aggregate for the life of the contract toward repair/replacement of Professional series or ultra-premium built-in refrigerators, including, but not limited to, Sub-Zero,Viking or Jenn-Air (individual trademarks are owned by the brand name company). 18. Items listed as Not Covered are intended as examples of the types of items excluded from warranty coverage. They are not completely inclusive of all systems and appliances excluded from warranty coverage. 19. All else not listed as covered.

11. WATER WELL PUMP - COVERED: “Operational Failures” occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage are covered up to $600 aggregate including access, diagnosis, repair and/or replacement; must be primary water source to residence. NOT COVERED: digging new or deeper wells;co-op/shared wells, irrigation/sprinkler wells, windmills, curing water quality, failures from lack of water, drop pipe, tank,electrical supply line, exterior piping or any part of the well that is not the pump; cistern and all “component parts.”

12. WATER SOFTENER - COVERED: all “Component Parts” including electrical wiring. NOT COVERED: rental or leased equipment; repair or replacement of water softener necessitated by mineral beds or deposits; cleaning.

13. CLOTHES WASHER AND DRYER - COVERED: all “Component Parts”, except for those excluded below, including control timers. NOT COVERED: any failures to the door other than appliance controls located within the door; clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, racks,rollers, light bulbs, buckets.

14. HOME FREEZER - COVERED: all “Component Parts”, except for those excluded below, including compressor,fan motor, thermostat and wiring. NOT COVERED: walk-in freezers, drain, condensate line clearing, clocks,knobs, dials, springs, hinges, liners, any failures to the door other than appliance controls located within the door; glass breakage, baskets, racks, rollers, handles, shelves and light bulbs.

15. ROOF LEAKS - COVERED: we will pay up to $500 aggregate to repair roof leaks only; includes shingles(cedar or asphalt), built up roofing, slate and tile. DEFINITION: the exterior surface that constitutes the top of the residence, excluding any skylights. NOT COVERED: condominium or townhouse roofs; leaking of an existing roof that has not been properly installed or attached; damage done by ice, mud, snow or wind and any acts of God; secondary damage from any type of leak or re-roofing of the residence; chimneys, gutters or downspouts, skylight or skylight flashing repairs for leaks or any other damage.

16. HOT TUB - COVERED: must have jets, impellers, valves, be able to fill with water to qualify for coverage;includes filter, heater, pump, motor, gaskets, relays, jets, impellers, valves if stand-alone hot tub (limited to $1,000 per occurrence of “Operational Failure” when hot tub shares mechanicals with swimming pool). Note: if pool/hot tub combination option is selected the two systems must share mechanical equipment. NOT COVERED: cleaning or sanitation equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools; timers, lights,main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines; geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment; wood encased or otherwise inaccessible parts; any unit with an independent boiler system; salt regenerator.

HSA is not responsible for any upgrades, work or costs required to comply with any federal, state or local laws, regulations or ordinances or utility regulations, or to meet current building or zoning code requirements, or to correct for code violations. If the 7 Star Upgrade package is purchased for/by the buyer and the correction of code violation(s) is required to affect a covered repair or replacement of a heating, plumbing or electrical “Component Part”, HSA will pay up to $250 aggregate to correct the code violation(s). HSA will not pay simply to remove the violation. Please reference Section E. 6 - Central air for specific information regarding air conditioning coverage and federal regulations.

Under the terms of this contract, an air conditioner electrical whip and disconnect are deemed part of the central air system. HSA is not responsible for service when permits cannot be obtained, nor will it pay any costs relating to permits. If the 7 Star Upgrade package is purchased for/by the buyer HSA will pay the cost for obtaining permits for HSA-approved repairs and replacements up to $250 per occurrence.

SA M

17. SWIMMING POOL - COVERED: we will pay up to $1,000 per occurrence of “Operational Failure”; includes heaters which do not have a compressor as a component; filter, pump, motor, gaskets, relays, impellers, back flush valve and above ground plumbing lines leading to and from the swimming pool; must be for a single family, commercially built and properly installed. NOT COVERED: cleaning or sanitation equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools; timers, lights, main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines; geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment; wood encased or otherwise inaccessible parts; any unit with an independent boiler system; salt regenerator.

G. Building Codes

Buyer 7 Star Upgrade

Crane: we will cover up to $300 aggregate for fees associated with the use of cranes or other lifting equipment required to remove or install rooftop heating or air conditioning units. Central Heat: adds – registers, grills, filters and heat lamps. HSA will only pay for any required replacement of disposable media filters if discovered during a service call initiated due to a mechanical failure related to a covered central heat or central air unit. HSA does not provide coverage for service initiated specifically for normal maintenance or filter replacement as part of normal maintenance.

Central Air: adds - refrigerant recovery and non-ducted air conditioners. Plumbing: adds – toilets replaced with like quality up to $600 per occurrence of “Operational Failure; accessing plumbing located in concrete, coverage will be limited to $1000 aggregate. Electrical: adds - smoke alarms; garage door opener hinges, springs, keypads, remote transmitters. Appliances: adds – refrigerator refrigerant recovery; ice maker and ice/beverage dispenser; trash compactor lock and key assemblies, bucket; dishwasher racks, tubs, liners, baskets and rollers; built-in microwave interior lining, door glass, clock and shelves; oven/range interior lining, clocks, rotisseries, racks, handles, knobs and dials; clothes washer and dryer (if option purchased:) tubs, liners, baskets. Code violations: when the correction of code violation(s) is required to affect a covered repair or replacement of a heating, plumbing, water heater or electrical “Component Part”, HSA will pay up to $250 aggregate to correct the code violation(s). If there is only a code violation and no related covered repair or replacement,HSA will not pay simply to remove the violation. Modification charges: if HSA has authorized the replacement of a water heater, central heat or central air system and water heater flue, drain pan, sheet metal fabrication, plenum work or installation of a new pad for a condensing unit are necessary to complete the covered replacement, HSA will pay $500 aggregate toward modification charges. Permits: HSA will pay the cost for obtaining permits for HSA-approved repairs and replacements up to $250 per occurrence. Removal and disposal of replaced equipment: when HSA replaces a covered system we will also pay the cost to dispose of the defective equipment. Mismatched heating and cooling systems: HSA will cover a defect or mechanical failure of a system that was not properly matched in size or efficiency, if the defector mechanical failure would have otherwise been covered.

If the mismatched system is a code violation, coverage will be limited to $250 aggregate. Improper installation, modifications and/or repair: HSA will cover a defect or mechanical failure of a system that was not properly installed, modified and/or repaired, if the defect or mechanical failure would have otherwise been covered. If the improper installation, modification or repair is a code violation, coverage will be limited to $250 aggregate.

F. Limitations of Liability

Coverage does not apply in these instances:

1. Detectable pre-existing defects or deficiencies, when the “Component Parts” were not in “Proper Working Order” on the inception date of coverage, are not covered by HSA. If, on the Buyer’s effective date of this contract, the defect or malfunction of the covered “Component Parts” would not have been detectable by either visual inspection and/or simple mechanical test and/or safety test performed by a qualified professional, the defect or malfunction may qualify for coverage. For example: a simple test would be a visual inspection of a heat exchanger for cracks or a carbon-monoxide test. 2. Abuse, misuse, fire, lightning, freezing, ice, storms, smoke, water damage, acts of God, accident, earthquake, soil movement,mud, chemical or sediment build-up except as outlined in section E. 1.

Domestic Water Heater, fungus, rot, mold,power failure, power shortage or power outage, insect or rodent damage, pet damage, insurable peril. 3. HSA will not contract to perform service nor pay costs involving hazardous or toxic materials or asbestos, nor will it pay costs related to refrigerant recapture, evacuation or disposal of refrigerants or contaminants. If the 7 Star Upgrade is purchased for/by the buyer HSA will pay costs associated with refrigerant recovery. 4. Modification charges or costs for metal fabrication,plenum work, or electrical changes necessary to satisfy the installation requirements of a new replacement unit. If the 7 Star Upgrade is purchased for/by the buyer, HSA will pay up to $500 aggregate towards modification charges associated with an approved heating, air conditioning or water heater repair or replacement as outlined under Section E. Buyer 7 Star Upgrade. 5. Providing access to a covered component or system other than plumbing or ductwork systems. HSA will pay to provide access to plumbing and ductwork systems through unobstructed walls, ceilings or floors only, and will return the access opening to a

H. Cancellation, Transfer, Renewal The warranty is non-cancelable by either party except for the following: A. The contract fees are not paid. B. Fraud or misrepresentation of facts material to the issuance of this contract. C. If the contract provides coverage for the seller during the listing period and the listing is withdrawn or expires. Should this contract be cancelable under the laws of the state where the contract holder resides, an allowable administrative fee will be charged upon cancellation.

Seller coverage under this contract is not subject to transfer and is not subject to renewal.

In the event of a transfer of the legal title and ownership of the covered residence during buyers’ coverage, the remaining term may be assigned to the new homeowner. The assignee takes the warranty on the same terms, conditions, and expiration date as the assignor.

The warranty is renewable, by mutual consent, at prevailing rates for an additional 12 month period from the date of the contract expiration. HSA may, at its option, decline to issue any renewal or cancel any contract, if the contract fees are not paid within 10 days of the due date. Note: if you have selected a monthly payment plan, your contract will automatically renew at the expiration of this contract period. (Renewal customers: payment of the first installment on the renewal year premium constitutes your consent.)

I. Agency Neither the real estate broker nor the broker’s sales representative is an agent of HSA. Coverage is strictly determined by the warranty contract and not the representations of the real estate professional.

J. HSA’s Rights of Recovery In the event of any payment under this contract, HSA shall be subrogated to all of contract holder’s rights of recovery against any person or organization. You shall do nothing after loss to prejudice such rights. The company shall not be bound to pay any loss if you have impaired any right of recovery for loss.

K. State Disclosures Terms of this contract that are in conflict with the statutes of the states in which this contract is issued are amended to such statutes. Residents of Illinois: The purchaser of this contract may cancel this contract for a full refund less a cancellation fee within 30 calendar days of delivery of the warranty contract, provided there has been no service provided. The purchaser may also cancel at any time and receive a pro-rata refund for the unexpired term of coverage, less the value of any service provided and less the cancellation fee. The cancellation fee for any cancellation will be the lesser of 10% of the contract price or $50. Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Residents of Kentucky: This is not a contract of insurance. However, a surety bond written by Fidelity and Deposit Company of Maryland, 1400 American Lane, Tower 1, 19th Floor, Schaumburg, IL 60196-1056, guarantees the performance of this agreement. If the service fails to pay any valid claim within 60 days after proof of loss has been filed, a claimant is entitled to make a claim directly against Fidelity and Deposit Company of Maryland at the address shown above. Residents of Michigan: If the performance of this service contract is interrupted because of a strike or work stoppage at the company’s place of business, the effective period of the service contract shall be extended for the period of the strike or work stoppage.

5

PL E

MANAGING YOUR HOME WARRANTY

REQUESTING SERVICE IS EASY

SA M

Contact Us. If the item is covered in your contract, visit myhomewarranty.com to place a service request, or call our 24/7 customer service toll-free at 800.367.1448.

You will pay a Trade Call Fee for each trade (plumbing, electrical, etc.) that you request service for.

Home Repair Professional Assigned. HSA Home Warranty will assign a local, qualified home repair professional to handle your covered request.

Schedule Service. Your assigned home repair professional will contact you by phone to schedule an appointment during normal business hours to diagnose your covered item.

Relax. Your home repair professional will come to your home and repair or replace the covered item. You’re responsible for any costs incurred that aren’t covered under the warranty contract.

REGISTER ONLINE AT MYHOMEWARRANTY.COM. Accessing your HSA home warranty account is just a few convenient clicks away.

6

QUICK SERVICE REQUESTS

SIMPLE CONTRACT RENEWALS

Place your service request online, so you will have more time to enjoy your home.

Maintain your home warranty without going to the post office.

MOBILE-FRIENDLY ACCESS

24/7 COVERAGE CHECKLIST

Control your account from anywhere, including payments and service request updates.

See what’s covered and download your contract anytime.

COVERAGE THAT BENEFITS YOU BUYER BENEFITS

PL E

As a buyer, make sure your new home is covered by an HSA home warranty. If the seller doesn’t provide the warranty, take matters into your own hands and purchase this valuable protection yourself.

•

The comfort of being protected. There can be many expenses to cover when moving into a new home. Take comfort in knowing that repairs to a covered system component or appliance won’t be one of them.

•

Reliable service, 24/7. You don’t have to worry about calling different vendors for estimates and repairs. Just contact us. We’ll arrange for a diagnosis, choosing from our list of qualified home repair professionals.

•

Valuable protection year after year. The good news is that an HSA home warranty protects your budget from the unexpected. The great news is that the warranty is renewable with a monthly payment plan option.

SELLER BENEFITS

SA M

As a seller, a home warranty placed during the listing period can help reduce many out-of-pocket expenses sellers often experience from unexpected covered breakdowns and repairs.

•

Coverage while your home is on the market. This means if something goes wrong, you can continue to concentrate your efforts on selling your home instead of worrying about repairs.

•

A powerful marketing tool. Offering a home warranty in the contract is an excellent way to entice buyers and it sets your home apart from the competition.

7

EASY ENROLLMENT OPTIONS

APPLICATION Contract Number

Mail WITH payment: HSA, P.O. Box 2803 • Memphis, TN 38101 Mail WITHOUT payment: HSA, P.O. Box 849 • Carroll, IA 51401

SELECT COVERAGE DESIRED $100 TRADE CALL FEE

SELLER/BUYER COVERAGE

Date Assigned

Form Number

Online: www.onlinehsa.com Phone: 800.367.1448 • Fax: 800.329.2478

CNTL2020

$500

Condominium

$465

Duplex

$800

Triplex

$1,105

PL E

PROPERTY INFORMATION (REQUIRED)

Single Family

Fourplex

Property Address to be Covered

City

SELLER HVAC OPTION

State

Listing Expiration Date (if selling)

Zip

Real Estate Company Information

Central heat, air conditioning/heat pump

$50

NEW CONSTRUCTION (Coverage begins one year after closing)

REAL ESTATE PROFESSIONAL INFORMATION Initiating Real Estate Associate:

$1,405

Buyer

Seller

Year 2 through 4

$615

New Construction: Call 800.367.1448 for optional coverage pricing.

BUYER 7 STAR UPGRADE*

$149

BUYER OPTIONS

Main Office Number

Fax Phone Number

Electronics Plan

Water softener

$40

Agent Name

Agent Email

Water well pump

$75

Electronic air cleaner

$35

COOPERATING REAL ESTATE ASSOCIATE Buyer

Seller

Fax Phone Number

Clothes washer and dryer

$70

Home freezer

$30

Roof leaks

$45

Hot tub

$150

Swimming pool

$150

Pool/hot tub combination (must share common mechanicals)

$175

SA M

Main Office Number

Agent Name

Agent Email

CLOSING INFORMATION

TOTAL

Escrow/Closing/Title Company

Main Office Phone Number

Estimated Closing Date

$216

Fax Phone Number

Closing Number

Subtotal

$

Sales Tax**

$

Total (payment due at closing)

$

Please mail payment in with application.

Closing Representative Name

Email Address

Coverage Limitations: Some limitations and general exclusions apply to covered items. Please read the sample contract section of this brochure for details.

SELLER INFORMATION

First Name

Last Name

Phone Number

Email Address

Mailing Address - Only if different from covered property

BUYER INFORMATION

First Name

Last Name

Phone Number

Email Address

Mailing Address - Only if different from covered property *If the upgrade package has been selected and the property is a multiple family dwelling, the upgrade must be purchased for each unit. **Add tax where required by law. To obtain exact tax amounts please call 800.367.1448.

Final tax will be calculated on the order confirmation. © 2020 Home Security of America, Inc. All rights reserved.

Purchase Agreement: By application for this contract, seller and/or buyer represent that, to the best of their knowledge, all items are in good working order on the date of application for this coverage. Further, seller and/or buyer agree that failure to notify HSA prior to repair or replacement of any covered item may result in a refusal of coverage on that item.

HSA discloses to the purchaser of this warranty, and the purchaser consents and acknowledges by his/ her signature that the employing broker may receive a minimal fee for services rendered in marketing or administering the sale of this warranty plan.

Coverage Desired:

Seller Coverage

Buyer Coverage

Applicant signature____________________________________________Date_________________

WAIVER: Purchase of this coverage is not mandatory. HSA is not the only warranty available.

No other services are contingent upon the purchase of the warranty. I have reviewed the home warranty protection plan and hereby decline coverage.

Signature ____________________________________________ Date ________________________

CNTL2020-Semonin

SA M

If you think you have been a victim of housing discrimination, please contact one of the agencies on the back of this brochure.

Fair housing is not an option. It’s the law.

Report discrimination!

Yes. Exemptions include the rental of an owner-occupied duplex or one room in a private home, the sale of property without help from a real estate dealer and without public advertising, and rental of churchowned housing to the extent of giving preference to those of that religion.

Are there exemptions to these laws?

Any real estate-related organization; real estate operators, brokers, or agents; savings and loan associations; mortgage lenders; banks; apartment house agents/managers; rental agents; builders; contractors; developers; owners of building lots; advertising media; homeowners advertising and selling their own homes; and insurers.

Who must obey the law?

Real property meant as a home or residence for one or more families. This includes homes, apartments, and lots, whether rented or sold, by a real estate broker, sales agent, operator, or directly by the owner.

What housing is covered?

No state funds were used to produce this document.

<, ƉƌŽŵŽƚĞƐ ĨĂŝƌ ŚŽƵƐŝŶŐ ƉƌĂĐƟĐĞƐ ŝŶ ƚŚĞ ƐƚĂƚĞ ĂŶĚ ƉƌŽŚŝďŝƚƐ ĚŝƐĐƌŝŵŝŶĂƟŽŶ ďĂƐĞĚ ŽŶ ƌĂĐĞ͖ ĐŽůŽƌ͖ ƌĞůŝŐŝŽŶ͖ ƐĞdž͖ ŶĂƟŽŶĂů ŽƌŝŐŝŶ͖ ƐĞdžƵĂů ŽƌŝĞŶƚĂƟŽŶ͖ ŐĞŶĚĞƌ ŝĚĞŶƟƚLJ͖ ĂŶĐĞƐƚƌLJ͖ ĂŐĞ͖ ŐĞŶĞƟĐ ŝŶĨŽƌŵĂƟŽŶ͖ ĚŝƐĂďŝůŝƚLJ͖ Žƌ ŵĂƌŝƚĂů͕ ĨĂŵŝůŝĂů͕ Žƌ ǀĞƚĞƌĂŶ ƐƚĂƚƵƐ͘

OPPORTUNITY

EQUAL HOUSING

601 W. Broadway, Rm. 110 Louisville, KY 40202 502-582-6163 TTY: 800-972-9275 www.hud.gov

U.S. Department of Housing and Urban Development

332 W. Broadway, Ste. 700 Louisville, KY 40202 800-292-5566 TDD: 502-595-4084 www.kchr.ky.gov

Investing in quality housing solutions.

<ĞŶƚƵĐŬLJ ,ŽƵƐŝŶŐ ŽƌƉŽƌĂƟŽŶ ;<, Ϳ͕ ĂƐ ƚŚĞ ƐƚĂƚĞ ŚŽƵƐŝŶŐ ĮŶĂŶĐĞ ĂŐĞŶĐLJ͕ ŝƐ <ĞŶƚƵĐŬLJ ,ŽƵƐŝŶŐ ŽƌƉŽƌĂƟŽŶ ĐŚĂƌŐĞĚ ǁŝƚŚ ĨƵŶĚŝŶŐ ŐŽŽĚ ĂŶĚ ĂīŽƌĚĂďůĞ ;<, Ϳ͕ ĂƐ ƚŚĞ ƐƚĂƚĞ ŚŽƵƐŝŶŐ ĮŶĂŶĐĞ ŚŽŵĞƐ ĂĐƌŽƐƐ ƚŚĞ ŽŵŵŽŶǁĞĂůƚŚ ŽĨ ĂŐĞŶĐLJ͕ ŝƐ ĐŚĂƌŐĞĚ ǁŝƚŚ ĨƵŶĚŝŶŐ <ĞŶƚƵĐŬLJ ĂŶĚ ŵƵƐƚ ƉƌŽŵŽƚĞ ĨƌĞĞĚŽŵ ŝŶ ŐŽŽĚ ĂŶĚ ĂīŽƌĚĂďůĞ ŚŽŵĞƐ ĂĐƌŽƐƐ ŚŽƵƐŝŶŐ ĐŚŽŝĐĞ ĨŽƌ <ĞŶƚƵĐŬLJ ƌĞƐŝĚĞŶƚƐ͘ ƚŚĞ ŽŵŵŽŶǁĞĂůƚŚ ŽĨ <ĞŶƚƵĐŬLJ ĂŶĚ ŵƵƐƚ ƉƌŽŵŽƚĞ ĨƌĞĞĚŽŵ ŝŶ ŚŽƵƐŝŶŐ ĐŚŽŝĐĞ ĨŽƌ <ĞŶƚƵĐŬLJ ƌĞƐŝĚĞŶƚƐ͘

Fair Housing in Kentucky

PL E

Kentucky Commission on Human Rights

1231 Louisville Rd. Frankfort, KY 40601 502-564-7630 Toll-free in KY 800-633-8896 TTY 711 www.kyhousing.org

Kentucky Housing Corporation

SA M

In addition, local communities, such as Louisville, Lexington, and Frankfort, have passed ordinances to prohibit discrimination based on sexual orientation.

Always check with your local community to see what ordinances may be in effect.

On February 3, 2012, the U.S. Department of Housing and Urban Development (HUD) issued a final rule that prohibits discrimination on the basis of actual or perceived sexual orientation, gender identity, or marital status in regards to housing programs assisted by HUD or subject to a mortgage insured by the Federal Housing Administration.

The Fair Housing Act, as amended, prohibits discrimination in housing based on race, color, national origin, religion, disability, gender, and familial status.

• Refuse to rent or sell to someone based on a status, if protected.

• Provide different services of facilities based on a status, if protected.

• Falsely deny housing availability based on a status, if protected.

• Impose different rules on different people based on a status, if protected.

In sale or rental of housing, it is illegal to:

What is housing discrimination?

• Develop a fair housing plan and affirmative marketing program.

• Promote the use of minority- and femaleowned businesses in all legal documents.

• Promote the design and construction of housing that ensures maximum use by all persons.

• Promote fair housing by displaying posters and brochures.

KHC requires partners to:

• Threaten, intimidate, or interfere with any person’s fair housing rights.

• Advertise any availability of housing that states a preference or limitation based on a person’s race, color, gender, national origin, religion, disability (handicap), familial status, and, in some areas, sexual orientation.

In any aspect of housing, it is illegal for any person to:

• Refuse to accept mortgage loan applications based on a status, if protected.

• Refuse to provide loan information based on a status, if protected.

• Give people different terms/conditions on a loan based on a status, if protected.

• Discriminate in the appraisal of property based on a status, if protected.

In financial transactions, it is illegal for lending institutions to:

PL E KHC maintains an ongoing commitment to fair housing through our homeownership (including homeownership education and counseling), rental, housing production/repair, and special needs housing programs throughout the state. All entities that receive financial assistance from KHC to conduct their housing programs are required to uphold fair housing activities.

Home Buyers Renters Mortgage Lenders Housing Producers Special Needs Housing and Service Providers • Government Agencies • All Housing Industry Members

• • • • •

KHC partners with...

Housing is a basic human need. Having a home instills a sense of safety and security. Our mission at KHC is to provide safe, quality, affordable housing opportunities, and we are committed to putting people first. Our core values guide our work. We believe everyone deserves to have a safe place to live and that everyone has a right to fair housing, free from discrimination.

The Fair Housing Act was introduced as a component of the Civil Rights Act of 1968. The act provides equal opportunity to all who buy, sell, rent, finance, or insure housing. In a nutshell, the act protects each individual’s basic right to choose where to live and ensures equal treatment after obtaining housing.

Who is protected?

KHC and our fair housing mission

Understand the facts and know your rights!

The Fair Housing Act

Fair Housing

REQUEST FOR OWNER'S TITLE INSURANCE

PL E

HOMESERVICES TITLE, INC. Attn: Cathy Sharpe Phone: 952-928-5224 | Fax: 952-928-5084 E-Mail: cathysharpe@semonin.com ATTORNEY: ____________________________________________________________ ADDRESS: _____________________________________________________________ PHONE: __________________________

FAX: ______________________________

E-MAIL ADDRESS: _______________________________________________________ PROPERTY ADDRESS: ___________________________________________________ ___________________________________________________

COMMENTS:

_______________________________________________________________________ _______________________________________________________________________

SA M

_______________________________________________________________________

SELLING AGENT: _______________________________________________________ PHONE NUMBER: _______________________________________________________ E-MAIL ADDRESS: _______________________________________________________

LISTING AGENT: _______________________________________________________

PHONE NUMBER: _______________________________________________________ E-MAIL ADDRESS: _______________________________________________________ SALES PRICE:

$_______________________

ANTICIPATED CLOSING DATE: ___________________________ BUYER'S NAME: ____________________________________ Date: ______________ BUYER'S NAME: ____________________________________ Date: ______________ IMPORTANT: PLEASE ATTACH PURCHASE CONTRACT TO THIS DOCUMENT!

Common Forms | Revised 11/27/2019

Page 1 of 1

home loan

Document Checklist

PL E

Use this helpful checklist to gather documents for your home loan.

The following is a list of documents you may be asked to provide during the mortgage application process. The documents listed here are general and may not include all documents specific to your home mortgage financing situation. Your mortgage consultant will inform you of any additional documentation that you may need.

Income Information

Special Information, if applicable

30 days’ most recent pay stubs with year-to-date information for all jobs and for each borrower

Last 3 years’ complete Federal tax returns (both personal & business returns)

Federal tax returns for the 2 most recent years (1040’s)

Year-to-date profit and loss statement

W-2 or 1099 forms for the 2 most recent years

List of all business debts

Retirement and/or social security income award letter

Other Information

Written explanation if employed less than 2 years or gap in employment in the last 2 years

Credit Information

Agent Name:

Contact Number:

Homeowner’s Insurance Information:

SA M

Most recent 2 months asset statements listed on the application — all pages to each statement even if blank (Example: checking account, savings account, CDs, money market accounts, IRA, 401k, etc.)

Real Estate Agent Information (if applicable):

If applicable: landlord name, phone number, and address

If you have any obligations due to legal action, for example child support, lawsuit judgment, bring in any judicial decree If applicable: complete Bankruptcy papers including discharge papers — also provide documentation supporting circumstances leading up to the bankruptcy, if able

Agent Name:

Contact Number: Additional: Additional:

If applicable: credit explanation letter for any late payments, collections, judgments or other derogatory credit items

Documentation for any large deposits outside payroll or gift fund deposits shown on asset statements If applicable: previous payments for alternative credit sources

Please contact me with any questions regarding your home loan documentation. I look forward to working with you!

This list is only to be used as a guide and is not all-inclusive. Should events arise requiring changes to your credit, income or assets, your mortgage consultant can discuss how these changes may affect your loan application process. Credit is subject to approval. Some restrictions apply. This information is accurate as of date of printing and is subject to change without notice.

All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance. Licensed by the Delaware State Bank Commissioner. Also licensed in AL, CO, CT, District of Columbia, FL, GA, IL, IN, KS, MD, MI, MN, MO, NC, NE, OH, OK, PA, RI, SC, TN, TX, VA, WV and WI. NMLS #75164 (NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) ©2019 Prosperity Home Mortgage, LLC. All Rights Reserved. (04/19) #1516 Expires 03/2020

600 North Hurstbourne Parkway, Suite 240 • Louisville, KY 40222

Carol B. Brightwell

Kim Luckett

Mortgage Consultant

Mortgage Consultant

NMLS 529196

PL E

NMLS 527682

Office: 812-542-9009 Cell: 812-989-4897 Fax: 844-605-1214

email: Carol.Brightwell@phmloans.com website: www.carolbrightwell.phmloans.com 3707 Charlestown Rd. Suite 1A New Albany, IN 47150

Office: 502-327-2516 Cell: 502-541-2488 Fax: 844-887-7990

email: Kim.Luckett@phmloans.com website: www.kimluckett.phmloans.com

Cindy Cushman

Shannon Neuschwander

Mortgage Consultant

Mortgage Consultant

NMLS 527695

NMLS 653828

Office: 270-505-1320 Cell: 270-300-6772 Fax: 844-332-7515

email: Cindy.Cushman@phmloans.com website: www.cindycushman.phmloans.com

email: Shannon.Neuschwander@phmloans.com website: www.shannonneuschwander.phmloans.com 177 Towne Drive | Elizabethtown, KY 42701

SA M

Office: 502-420-4992 Cell: 502-608-3400 Fax: 844-893-6530

Bryan P. Fuller

Laura Steier

Mortgage Consultant

Mortgage Consultant

NMLS 531587

NMLS 530739

Office: 502-394-6115 Cell: 502-592-9249 Fax: 844-893-4429

Office: 502-394-6126 Cell: 502-272-6508 Fax: 844-893-4431

email: Bryan.Fuller@phmloans.com website: www.bryanfuller.phmloans.com

email: Laura.Steier@phmloans.com website: www.laurasteier.phmloans.com

All first mortgage products are provided by Prosperity Home Mortgage, LLC. (877) 275-1762. Prosperity Home Mortgage, LLC products may not be available in all areas. Not all borrowers will qualify. Licensed by the NJ Department of Banking and Insurance. Licensed by the Delaware State Bank Commissioner. Also licensed in Alabama, Arkansas, Arizona, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, and Wisconsin.

NMLS ID #75164 (For licensing information go to: NMLS Consumer Access at http://www.nmlsconsumeraccess.org/) ©2019 Prosperity Home Mortgage, LLC.

Insurance…

PL E

The next step on the way to your new home.

Relax.

We’ll do the shopping for you...and get you home.

Did you know…

Homeowner’s insurance must be in place prior to closing on your new home?

SA M

Here’s the good news! As an affiliate of Semonin Realtors, we will work hand in hand with your realtor, mortgage officer and title professional to ensure coverage is in place for an on-time closing.

The HomeServices Kentuckiana Insurance Advantage

Available Coverages x

Homeowners

x

Condominium

x

Automobile

x We consult with you to customize coverage that meets your needs

x

Scheduled Property

x We’re not constrained by the prices or products of a single company

x

Health

x We carefully select top-ranked, nationally recognized carriers based on

x

Renters

x

Flood

x

Umbrella

x

Life

x We are a full-service agency

financial stability, quality service and range of products and prices

x We provide discounts and savings for packaged products (home + auto)

Contact Us Today!

Robin Olgine P) 502.394.6123 E) rolgine@kentuckianainsurance.com

With all you have to do, let HomeServices Kentuckiana Insurance take the time and worry out of insuring your new home.

SA M

Generally, lead-based paint that is in good condition is not a hazard (see page 10).

• People have many options for reducing lead hazards.

swallowing lead dust, or by eating soil or paint chips containing lead.

• People can get lead into their bodies by breathing or

lead-based paint improperly can increase the danger to your family.

• Disturbing surfaces with lead-based paint or removing

levels of lead in their bodies.

• Even children who seem healthy may have dangerous

are likely to contain lead-based paint.

• Homes, schools, and child care facilities built before 1978

before they are born.

• Lead exposure can harm young children and babies even

poisoning in your home.

• Children under 6 years old are most at risk for lead

Lead From Paint, Dust, and Soil in and Around Your Home Can Be Dangerous if Not Managed Properly

IMPORTANT!

June 2017

PL E

United States Department of Housing and Urban Development

United States Consumer Product Safety Commission

United States Environmental Protection Agency

Protect Your Family From Lead in Your Home

SA M

How lead gets into the body How lead affects health What you can do to protect your family Where to go for more information

• Read EPA’s pamphlet, The Lead-Safe Certified Guide to Renovate Right, to learn about the lead-safe work practices that contractors are required to follow when working in your home (see page 12).

If undertaking renovations, repairs, or painting (RRP) projects in your pre-1978 home or apartment:

• Sellers must disclose known information on lead-based paint or leadbased paint hazards before selling a house.

• Real estate sales contracts must include a specific warning statement about lead-based paint. Buyers have up to 10 days to check for lead.

• Landlords must disclose known information on lead-based paint and lead-based paint hazards before leases take effect. Leases must include a specific warning statement about lead-based paint.

Before renting or buying a pre-1978 home or apartment, federal law requires:

• • • •

Read this entire brochure to learn:

Did you know that many homes built before 1978 have lead-based paint? Lead from paint, chips, and dust can pose serious health hazards.

Are You Planning to Buy or Rent a Home Built Before 1978?

U. S. EPA Washington DC 20460 U. S. CPSC Bethesda MD 20814 U. S. HUD Washington DC 20410

EPA-747-K-12-001 June 2017

This document is in the public domain. It may be produced by an individual or organization without permission. Information provided in this booklet is based upon current scientific and technical understanding of the issues presented and is reflective of the jurisdictional boundaries established by the statutes governing the co-authoring agencies. Following the advice given will not necessarily provide complete protection in all situations or against all health hazards that can be caused by lead exposure.

HUD 451 Seventh Street, SW, Room 8236 Washington, DC 20410-3000 (202) 402-7698 hud.gov/offices/lead/

HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Contact HUD’s Office of Healthy Homes and Lead Hazard Control for further information regarding the Lead Safe Housing Rule, which protects families in pre-1978 assisted housing, and for the lead hazard control and research grant programs.

U. S. Department of Housing and Urban Development (HUD)

PL E

CPSC 4330 East West Highway Bethesda, MD 20814-4421 1-800-638-2772 cpsc.gov or saferproducts.gov

The CPSC protects the public against unreasonable risk of injury from consumer products through education, safety standards activities, and enforcement. Contact CPSC for further information regarding consumer product safety and regulations.

Consumer Product Safety Commission (CPSC)

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Region 7 (Iowa, Kansas, Missouri, Nebraska)

Region 2 (New Jersey, New York, Puerto Rico, Virgin Islands)

Regional Lead Contact U.S. EPA Region 5 (DT-8J) 77 West Jackson Boulevard Chicago, IL 60604-3666 (312) 886-7836

Region 5 (Illinois, Indiana, Michigan, Minnesota, Ohio, Wisconsin)

Regional Lead Contact U.S. EPA Region 4 AFC Tower, 12th Floor, Air, Pesticides & Toxics 61 Forsyth Street, SW Atlanta, GA 30303 (404) 562-8998

Region 4 (Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, South Carolina, Tennessee)

Regional Lead Contact U.S. EPA Region 3 1650 Arch Street Philadelphia, PA 19103 (215) 814-2088

Region 3 (Delaware, Maryland, Pennsylvania, Virginia, DC, West Virginia)

Regional Lead Contact U.S. EPA Region 10 Solid Waste & Toxics Unit (WCM-128) 1200 Sixth Avenue, Suite 900 Seattle, WA 98101 (206) 553-1200

Region 10 (Alaska, Idaho, Oregon, Washington)

Regional Lead Contact U.S. EPA Region 9 (CMD-4-2) 75 Hawthorne Street San Francisco, CA 94105 (415) 947-4280

Region 9 (Arizona, California, Hawaii, Nevada)

Regional Lead Contact U.S. EPA Region 8 1595 Wynkoop St. Denver, CO 80202 (303) 312-6966

Region 8 (Colorado, Montana, North Dakota, South Dakota, Utah, Wyoming)

Regional Lead Contact U.S. EPA Region 7 11201 Renner Blvd.

WWPD/TOPE Lenexa, KS 66219 (800) 223-0425

Regional Lead Contact U.S. EPA Region 6 1445 Ross Avenue, 12th Floor Dallas, TX 75202-2733 (214) 665-2704

Regional Lead Contact U.S. EPA Region 1 5 Post Office Square, Suite 100, OES 05-4 Boston, MA 02109-3912 (888) 372-7341

Regional Lead Contact U.S. EPA Region 2 2890 Woodbridge Avenue Building 205, Mail Stop 225 Edison, NJ 08837-3679 (732) 321-6671

Region 6 (Arkansas, Louisiana, New Mexico, Oklahoma, Texas, and 66 Tribes)

Region 1 (Connecticut, Massachusetts, Maine, New Hampshire, Rhode Island, Vermont)

The mission of EPA is to protect human health and the environment.

Your Regional EPA Office can provide further information regarding regulations and lead protection programs.

U. S. Environmental Protection Agency (EPA) Regional Offices

• Remove shoes or wipe soil off shoes before entering your house.

• Make sure children eat healthy, low-fat foods high in iron, calcium, and vitamin C.

• Wash children’s hands, bottles, pacifiers, and toys often.

• Consult your health care provider about testing your children for lead. Your pediatrician can check for lead with a simple blood test.

• Before buying, renting, or renovating your home, have it checked for lead-based paint.

• When renovating, repairing, or painting, hire only EPA- or stateapproved Lead-Safe certified renovation firms.

• Take precautions to avoid exposure to lead dust when remodeling.

• Regularly clean floors, window sills, and other surfaces.

• Talk to your landlord about fixing surfaces with peeling or chipping paint.

• Get your home checked for lead hazards. Find a certified inspector or risk assessor at epa.gov/lead.

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• Always keep painted surfaces in good condition to minimize deterioration.

• Don’t try to remove lead-based paint yourself.

If you think your home has lead-based paint:

Simple Steps to Protect Your Family from Lead Hazards

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• Women with a high lead level in their system before or during pregnancy risk exposing the fetus to lead through the placenta during fetal development.

Women of childbearing age should know that lead is dangerous to a developing fetus.

• Babies and young children often put their hands and other objects in their mouths. These objects can have lead dust on them.

• Children’s growing bodies absorb more lead.

• At this age, children’s brains and nervous systems are more sensitive to the damaging effects of lead.

Lead is especially dangerous to children under the age of 6.

• Eat paint chips or soil that contains lead.

• Swallow lead dust that has settled on food, food preparation surfaces, and other places.

• Breathe in lead dust (especially during activities such as renovations, repairs, or painting that disturb painted surfaces).

Adults and children can get lead into their bodies if they:

Lead Gets into the Body in Many Ways

Hearing- or speech-challenged individuals may access any of the phone numbers in this brochure through TTY by calling the tollfree Federal Relay Service at 1-800-877-8339.

State and Local Health and Environmental Agencies Some states, tribes, and cities have their own rules related to leadbased paint. Check with your local agency to see which laws apply to you. Most agencies can also provide information on finding a lead abatement firm in your area, and on possible sources of financial aid for reducing lead hazards. Receive up-to-date address and phone information for your state or local contacts on the Web at epa.gov/lead, or contact the National Lead Information Center at 1-800-424-LEAD.

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Consumer Product Safety Commission (CPSC) Hotline For information on lead in toys and other consumer products, or to report an unsafe consumer product or a product-related injury, call 1-800-638-2772, or visit CPSC’s website at cpsc.gov or saferproducts.gov.

EPA’s Safe Drinking Water Hotline For information about lead in drinking water, call 1-800-426-4791, or visit epa.gov/safewater for information about lead in drinking water.

The National Lead Information Center Learn how to protect children from lead poisoning and get other information about lead hazards on the Web at epa.gov/lead and hud.gov/lead, or call 1-800-424-LEAD (5323).

For More Information

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In 1978, the federal government banned toys, other children’s products, and furniture with lead-containing paint. In 2008, the federal government banned lead in most children’s products. The federal government currently bans lead in excess of 100 ppm by weight in most children’s products.

• Folk remedies, such as “greta” and “azarcon,” used to treat an upset stomach.

• Food and liquids cooked or stored in lead crystal or lead-glazed pottery or porcelain may contain lead.

• Old toys and furniture may have been painted with lead-containing paint. Older toys and other children’s products may have parts that contain lead.4

• Hobbies that use lead, such as making pottery or stained glass, or refinishing furniture. Call your local health department for information about hobbies that may use lead.

• Your job. If you work with lead, you could bring it home on your body or clothes. Shower and change clothes before coming home. Launder your work clothes separately from the rest of your family’s clothes.

• Lead smelters or other industries that release lead into the air.

Other Sources of Lead, continued

Digestive Problems

Slowed Growth

Brain Nerve Damage Hearing Problems

• Muscle and joint pain

• Memory and concentration problems

• Nerve disorders

• Digestive problems

• High blood pressure

• Fertility problems (in men and women)

• Increased chance of high blood pressure during pregnancy

• Harm to a developing fetus

In adults, exposure to lead can cause:

Although children are especially susceptible to lead exposure, lead can be dangerous for adults, too.

While low-lead exposure is most common, Reproductive Problems exposure to high amounts of lead can have (Adults) devastating effects on children, including seizures, unconsciousness, and in some cases, death.

• Hearing damage

• Decreased muscle and bone growth

• Poor muscle coordination

• Speech, language, and behavior problems

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• Learning disabilities, attention-deficit disorder, and decreased intelligence

• Nervous system and kidney damage

In children, exposure to lead can cause:

Lead affects the body in many ways. It is important to know that even exposure to low levels of lead can severely harm children.

Health Effects of Lead

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Your doctor can explain what the test results mean and if more testing will be needed.

• Children who should be tested under your state or local health screening plan

• Children or other family members who have been exposed to high levels of lead

• Children at ages 1 and 2

Consult your doctor for advice on testing your children. A simple blood test can detect lead. Blood lead tests are usually recommended for:

Children’s blood lead levels tend to increase rapidly from 6 to 12 months of age, and tend to peak at 18 to 24 months of age.

Get your children and home tested if you think your home has lead.

Check Your Family for Lead

* Hearing- or speech-challenged individuals may access this number through TTY by calling the Federal Relay Service at 1-800-877-8339.

Call your local health department or water company to find out about testing your water, or visit epa.gov/safewater for EPA’s lead in drinking water information. Some states or utilities offer programs to pay for water testing for residents. Contact your state or local water company to learn more.

For more information about lead in drinking water, please contact EPA’s Safe Drinking Water Hotline at 1-800-426-4791. If you have other questions about lead poisoning prevention, call 1-800 424-LEAD.*

Contact your water company to determine if the pipe that connects your home to the water main (called a service line) is made from lead.

Your area’s water company can also provide information about the lead levels in your system’s drinking water.

• If you use a filter certified to remove lead, don’t forget to read the directions to learn when to change the cartridge. Using a filter after it has expired can make it less effective at removing lead.

• Regularly clean your faucet’s screen (also known as an aerator).

• Before drinking, flush your home’s pipes by running the tap, taking a shower, doing laundry, or doing a load of dishes.

• Use only cold water for drinking, cooking and making baby formula.

Remember, boiling water does not remove lead from water.

Important Steps You Can Take to Reduce Lead in Drinking Water

Remember older homes with a private well can also have plumbing materials that contain lead.

To find out for certain if you have lead in drinking water, have your water tested.

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You can’t smell or taste lead in drinking water.

Lead pipes are more likely to be found in older cities and homes built before 1986.

The most common sources of lead in drinking water are lead pipes, faucets, and fixtures.

Lead in Drinking Water

Other Sources of Lead

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To learn more about EPA’s requirements for RRP projects, visit epa.gov/getleadsafe, or read The Lead-Safe Certified Guide to Renovate Right.

• Dispose of waste properly. Collect and seal waste in a heavy duty bag or sheeting. When transported, ensure that waste is contained to prevent release of dust and debris.

• Clean up thoroughly. The work area should be cleaned up daily.

When all the work is done, the area must be cleaned up using special cleaning methods.

• Using a heat gun at temperatures greater than 1100°F

• Sanding, grinding, planing, needle gunning, or blasting with power tools and equipment not equipped with a shroud and HEPA vacuum attachment

• Open-flame burning or torching

• Avoid renovation methods that generate large amounts of lead-contaminated dust. Some methods generate so much leadcontaminated dust that their use is prohibited. They are:

• Contain the work area. The area must be contained so that dust and debris do not escape from the work area. Warning signs must be put up, and plastic or other impermeable material and tape must be used.

RRP contractors working in pre-1978 homes and childcare facilities must follow lead-safe work practices that:

• Provide a copy of EPA’s lead hazard information document, The Lead-Safe Certified Guide to Renovate Right

• Use qualified trained individuals (Lead-Safe Certified renovators) who follow specific lead-safe work practices to prevent lead contamination

• Be a Lead-Safe Certified firm approved by EPA or an EPA-authorized state program

If you hire a contractor to conduct renovation, repair, or painting (RRP) projects in your pre-1978 home or childcare facility (such as pre-school and kindergarten), your contractor must:

Renovating, Repairing or Painting a Home with Lead-Based Paint

“Lead-based paint” is currently defined by the federal government as paint with lead levels greater than or equal to 1.0 milligram per square centimeter (mg/cm), or more than 0.5% by weight.

“Lead-containing paint” is currently defined by the federal government as lead in new dried paint in excess of 90 parts per million (ppm) by weight.

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Learn more about where lead is found at epa.gov/lead.

• In soil around a home. (Soil can pick up lead from exterior paint or other sources, such as past use of leaded gas in cars.)

• On surfaces inside and outside of the house, and

• In private and public single-family homes and apartments,

• In homes and childcare facilities in the city, country, or suburbs,

Lead can be found:

Learn how to determine if paint is lead-based paint on page 7.

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Many homes, including private, federally-assisted, federallyowned housing, and childcare facilities built before 1978 have lead-based paint. In 1978, the federal government banned consumer uses of lead-containing paint.2

In general, the older your home or childcare facility, the more likely it has lead-based paint.1

Where Lead-Based Paint Is Found

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The only way to find out if paint, dust, or soil lead hazards exist is to test for them. The next page describes how to do this.

Remember, lead from paint chips—which you can see—and lead dust—which you may not be able to see—both can be hazards.

• 1,200 ppm (average) and higher in bare soil in the remainder of the yard

• 400 parts per million (ppm) and higher in play areas of bare soil

Lead in soil can be a hazard when children play in bare soil or when people bring soil into the house on their shoes. EPA currently defines the following levels of lead in soil as hazardous:

• 250 μg/ft2 and higher for interior window sills

• 40 micrograms per square foot (μg/ft2) and higher for floors, including carpeted floors

Lead dust can form when lead-based paint is scraped, sanded, or heated. Lead dust also forms when painted surfaces containing lead bump or rub together. Lead paint chips and dust can get on surfaces and objects that people touch. Settled lead dust can reenter the air when the home is vacuumed or swept, or when people walk through it. EPA currently defines the following levels of lead in dust as hazardous:

Lead-based paint is usually not a hazard if it is in good condition and if it is not on an impact or friction surface like a window.

• Stairs, railings, banisters, and porches

• Doors and door frames

• On windows and window sills

Deteriorating lead-based paint (peeling, chipping, chalking, cracking, or damaged paint) is a hazard and needs immediate attention. Lead-based paint may also be a hazard when found on surfaces that children can chew or that get a lot of wear and tear, such as:

Identifying Lead-Based Paint and Lead-Based Paint Hazards

For help in locating certified lead abatement professionals in your area, call your state or local agency (see pages 14 and 15), or visit epa.gov/lead, or call 1-800-424-LEAD.

• 400 μg/ft2 for window troughs

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• 250 μg/ft2 for interior windows sills

• 40 micrograms per square foot (μg/ft2) for floors, including carpeted floors

If your home has had lead abatement work done or if the housing is receiving federal assistance, once the work is completed, dust cleanup activities must be conducted until clearance testing indicates that lead dust levels are below the following levels:

Reducing Lead Hazards, continued

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Certified contractors will employ qualified workers and follow strict safety rules as set by their state or by the federal government.

• To correct lead hazards permanently, hire a certified lead abatement professional. This will ensure your contractor knows how to work safely and has the proper equipment to clean up thoroughly.

• Hire a Lead-Safe Certified firm (see page 12) to perform renovation, repair, or painting (RRP) projects that disturb painted surfaces.

Always use a certified contractor who is trained to address lead hazards safely.

• To remove lead hazards permanently, you should hire a certified lead abatement contractor. Abatement (or permanent hazard elimination) methods include removing, sealing, or enclosing lead-based paint with special materials. Just painting over the hazard with regular paint is not permanent control.

• You can minimize exposure to lead when renovating, repairing, or painting by hiring an EPA- or statecertified renovator who is trained in the use of lead-safe work practices. If you are a do-it-yourselfer, learn how to use lead–safe work practices in your home.

• In addition to day-to-day cleaning and good nutrition, you can temporarily reduce lead-based paint hazards by taking actions, such as repairing damaged painted surfaces and planting grass to cover leadcontaminated soil. These actions are not permanent solutions and will need ongoing attention.

Disturbing lead-based paint or removing lead improperly can increase the hazard to your family by spreading even more lead dust around the house.

Reducing Lead Hazards

Be sure to read the report provided to you after your inspection or risk assessment is completed, and ask questions about anything you do not understand.

• A combination inspection and risk assessment tells you if your home has any lead-based paint and if your home has any lead hazards, and where both are located.

• Get lab tests of paint, dust, and soil samples

• Sample dust near painted surfaces and sample bare soil in the yard

• Sample paint that is deteriorated on doors, windows, floors, stairs, and walls

• A risk assessment tells you if your home currently has any lead hazards from lead in paint, dust, or soil. It also tells you what actions to take to address any hazards. A trained and certified testing professional, called a risk assessor, will:

• Lab tests of paint samples

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• Portable x-ray fluorescence (XRF) machine

• A lead-based paint inspection tells you if your home has leadbased paint and where it is located. It won’t tell you whether your home currently has lead hazards. A trained and certified testing professional, called a lead-based paint inspector, will conduct a paint inspection using methods, such as:

You can get your home tested for lead in several different ways:

Checking Your Home for Lead

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Hearing- or speech-challenged individuals may access this number through TTY by calling the Federal Relay Service at 1-800-877-8339.

There are state and federal programs in place to ensure that testing is done safely, reliably, and effectively. Contact your state or local agency for more information, visit epa.gov/lead, or call 1-800-424-LEAD (5323) for a list of contacts in your area.3

• Presume that lead-based paint is present and use lead-safe work practices

• Use EPA-recognized tests kits to determine if lead-based paint is absent (but not in housing receiving federal assistance)

• Take paint chip samples to determine if lead-based paint is present in the area planned for renovation and send them to an EPA-recognized lead lab for analysis. In housing receiving federal assistance, the person collecting these samples must be a certified lead-based paint inspector or risk assessor

In preparing for renovation, repair, or painting work in a pre-1978 home, Lead-Safe Certified renovators (see page 12) may:

Checking Your Home for Lead, continued

• Make sure children eat nutritious, low-fat meals high in iron, and calcium, such as spinach and dairy products. Children with good diets absorb less lead.

• Clean or remove shoes before entering your home to avoid tracking in lead from soil.

• When renovating, repairing, or painting, hire only EPA- or stateapproved Lead-Safe Certified renovation firms (see page 12).

• Keep children from chewing window sills or other painted surfaces, or eating soil.

• Keep play areas clean. Wash bottles, pacifiers, toys, and stuffed animals regularly.

• Wash your hands and your children’s hands often, especially before they eat and before nap time and bed time.

• Thoroughly rinse sponges and mop heads often during cleaning of dirty or dusty areas, and again afterward.

• Carefully clean up paint chips immediately without creating dust.

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• Keep painted surfaces clean and free of dust. Clean floors, window frames, window sills, and other surfaces weekly. Use a mop or sponge with warm water and a general all-purpose cleaner. (Remember: never mix ammonia and bleach products together because they can form a dangerous gas.)

• If you rent, notify your landlord of peeling or chipping paint.

If you suspect that your house has lead-based paint hazards, you can take some immediate steps to reduce your family’s risk:

What You Can Do Now to Protect Your Family

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