2008 - October - Osceola ReVIEW

Code of Ethics Training All REALTORS® must complete their Quadrennial Code of Ethics by the end of this year.

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Deadline: December 31, 2008

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October 2008

President’s Perspective

By Hope Andrews Dear Members, I would like you to stop what you are doing and take a moment to check your records and make sure you have either completed or are signed-up for a Quadrennial Code of Ethics training session. This requirement must be completed by December 31, 2008, as a requirement of membership until the next four-year cycle. Please call the Association to register for one of the “Popcorn & Ethics” sessions that the Association has scheduled, or you can take the course online at www.realtor.org.

We recently held our 2008 RPAC Auction & Texas Hold ‘Em Tournament finale. It was a great success, and I want to personally thank everyone who participated in the planning and set-up for their dedication and efforts. RPAC is near and dear to my heart and I want to make it a part of yours as well. With all the financial upheaval that is going on now, along with

the mortgage crisis, there is no better time than now to get involved with your REALTOR® Political Action Committee and make an impact on the election of officials who will shape the legislation that affects your livelihood and the way real estate professionals do business!

We’ve have had some significant changes at the Association in the past couple of months, and I want to assure our membership that our number one priority is our members, and that we will continue our promise to deliver our commitment to quality customer service. The Board of Directors and I have the utmost confidence in your new Association Executive, Jeri Peyton, and I encourage you to stop by the Association office and say hello to her or send her an email to welcome her in her new position!

I am excited and enthusiastic about all the great things that our members have helped us to accomplish so far this year. As always, I am just a phone call away (407-944-0049) if you would like to talk to me or if you have any issues, concerns or suggestions for your Association. ■

PUBLIC POLICY COMMITTEE

By Randy Hillman, Chairman THE PUBLIC POLICY REPORT The Public Policy committee meets once a month to review matters that are coming before local government entities that may be of special concern to REALTORS®. The hope is to keep REALTORS® informed of matters upon which they may want to provide input to the local government entities considering these issues.

THE POWER OF THE REALTOR® ENDORSEMENT Prior to the election in August, 13 candidates running for office received endorsement from the Osceola County Association of REALTORS®. Of those 13 candidates, 10 of them will be in the November 4th general election.

THE LYNX SUPERSTOP AND KISSIMMEE INTERMODAL STATION The Lynx SuperStop and the Kissimmee Intermodal Station will return to their originally planned location in downtown Kissimmee at E. Drury and Neptune Road.

This location is within easy walking distance of dining and shopping centers, the Osceola County Courthouse and Government Center, Osceola Regional Medical Center and the Lake Tohopekaliga shore.

Continued on Page 12.

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October 2008

Association Executive Perspective

By Jeri Peyton Dear Members, It’s been an incredible inaugural first few weeks as your new Association Executive. I would like to thank you all for your encouraging words and support.

My main goal, along with the rest of the staff, is to bring the Association back to a membership-driven Association. We work for you! Our doors will always be open to assist you in every way that we can. I plan to work closely with all of our committees and helping them accomplish their goals.

We have heard your requests to cut-down on the amount of emails that you receive and to that end, we have consolidated our eVIEWs so that now Brokers will continue to receive their weekly Statistics report from Bob St. Gordon, our Controller, and the Friday eVIEW which will include all the Education classes, meetings, events, etc., for the coming week. We hope that this eliminates some of the burden from your email in-baskets, while still providing you with up-to-date information about your Association.

Now, I would like to give you a brief rundown on some “happenings”, present and future, at the Association.

2008 RPAC AUCTION – SATURDAY, SEPTEMBER 6, 2008 – AT THE ASSOCIATION This year’s auction was highlighted by the final round of our Texas Hold ‘Em Tournament. Chris Zellner walked away with the Grand Prize of a trip to Las Vegas! The event proved to be a huge success thanks to the efforts of our Chairwoman, Carolee GoodwinBlackmore, and Vice Chair, Christina Gentry. A very special thanks to Debbie Henderson and Linda Goodwin-Nichols for all of their hard work and the RPAC Auction Committee members: Hope Andrews, Terri Carroll, Dave Courtney, Nancy Cuevas, Gwen Dukes, Stephanie Escurra-Hendricks, Sean Ferguson, Jack Frey, Richard Knapp, Todd Kozloski, Daisy Lopez-Cid, Samantha

October 2008

Petrofski, Anneris Rivera, Denise Sacks, Michelle Smith, Bob St. Gordon and our wonderful sponsors: Osceola News-Gazette, Bank of America, Butler Mortgage, Deese Management & Real Estate, Inc., First American Title Insurance Company, Goffredo Capital Funding, LLC, Goodwin Realty & Associates, Inc., Homes. Com, Homes&Land, Infinity Abstract & Title, Kissimmee Utility Authority, Magic Financial Services, MortgageOne Financial Services, ProminentTitle Insurance Agency, Inc., Qubty Financial Group, RE/MAX Premier Properties, Rotary International, Stewart Approved Title, Timeshares Only, Toll Brothers, and World Financial Mortgage Group.

The event was well attended. There were many silent auction items and a few live auction items that were offered to bidders. Cheryl Grieb was the winner of both the large screen flat television and a GPS navigation system. Our RPAC goal this year was $37,170 and we made goal with the combined dues billing, auction and donations. In fact, we are over goal! Thanks to everyone who helped to support this event. Remember, RPAC is your chance to have a collective statewide and nationwide impact on the election of officials who will shape the legislation that affects your livelihood and the way real estate professionals do business.

2008 FAR CONVENTION & TRADE EXPO This year’s convention was held in Lake Buena Vista and was packed full of informative and interesting workshops, classes and speakers. It’s also a great opportunity for members to network with each other and share information and ideas. I attended workshops and meetings that helped me gain new insight and knowledge for my new role. I encourage our REALTOR® members to attend the National Association of REALTORS® (NAR) Annual Governance Meetings that are taking place in November, right here in Orlando! For more information and to register, visit www.realtor.org.

ELECTION PROCEDURES AND TIMELINE The Osceola County Association of REALTORS® Nominating Committee met on September 15, 2008, to select candidates for 2009 Officers and Directors.

Continued on Page 9.

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Membership News

By Stephanie Escurra-Hendricks, Membership Services

LOGGING INTO MLXCHANGE IS CHANGING ON OCTOBER 7, 2008!

class privileges as you. For example, if you are an office manager with office level privileges, the invited user will also share your office level privileges.

If any modifications are made to listing records, MLXchange will record the User ID of the person who actually made the change (the invited user).

What If I Forgot My Password?

Password Retrieval:

Starting October 7, when you login to MLXchange, you will see a new Sign-In screen that asks for your User ID and password. Depending on what type of user you are, you may have different instructions for logging into MLXchange:

• Prior to changing to the new login system on October 7, MLS will be activating a Password Retrieval system on MLXchange.

• Once the Password Retrieval feature is enabled in MLXchange, the member will automatically be prompted through a setup wizard to create their secret questions and answers.

• Once this has been done, if you forget your password, you will be able to click on the (Forgot your Password) link under the Password field on the login screen. You will be required to answer your secret question, and your password will be emailed to your primary email address.

• To verify or change your primary email address, log into MLXchange and in the upper right corner, click on Settings, click on Personalize, then click on Contact information.

Agent and Broker Accounts

How will I Login to MLX Wireless?

Brokers and Agents will use their User ID and Password. It will be the same number and password you use to login to the MFRMLS Online Payment Center.

The password change will also apply to logging in to MLX Wireless, as well. Members will not be required to re-register in order to continue using the wireless service. Members can simply login to MLX Wireless with their password.

Office Staff X Accounts Office level staff that utilize the “X Account” ID’s will be discontinued. All unlicensed assistants must have their own unique 9 digit ID number.

Multi-Agent Assistant (MAA) Accounts MAA’s will use their NRDS ID and Password.

Assistants that login with a MAA ID will need to follow the procedure for obtaining an assistant ID. Since the MAA access will change to the NRDS ID and Assistants will need to obtain their own unique login, you will need to utilize the Shared Identity function in MLXchange in order to have access to another member’s MLXchange account. Identity sharing allows you to invite other members of your office, such as an assistant or a team member, to log in and work in MLXchange on your behalf (up to a maximum of 20 users). The invited user will "assume your identity", and, therefore, have the same user 4

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How Do I Obtain an Assistant ID? • All unlicensed assistants must complete an Assistant Access Form and have it signed by the Broker/Agent who employs them.

• We will check the assistant’s name and address with the DPBR to ensure they are not actively licensed (in which case they should have their own subscription).

• We will then assign the assistant a 9-digit user ID number.

• Once we have granted access, the assistant must attend the “Introduction to MLXchange” training class within 90 days. (NOTE: We are waiting on confirmation by MLS if existing assistants will be required to take the “Introduction to MLXChange”) • We have waived the $50.00 Access Set-up fee through October 15, 2008. Starting October Continued on Page 6.

October 2008

Education Corner

All classes will be held at the Association (unless noted otherwise)

To register for any classes please visit the Association website www.osceolarealtors.org, click on “Online Member Services” button, enter your username and password and then click on the Education Calendar.

If you have any questions, please call the Association at (407) 846-0117.

PLEASE NOTE: If you are registered and unable to attend, please call the Association to cancel, or you will incur a $20 cancellation fee. Thanks in advance for your cooperation.

MLS Training Classes There is one MLXchange Training class held each month. This is a mandatory class for new members.

Even if you have already taken this class, you are invited to attend as a refresher course at any time.

SHORT SALES ESSENTIALS Wednesday, October 22, 2008 Time: 1:00 – 5:00 p.m.

Instructor: Martin Cohen Location: Association Classroom, 1105 Shady Lane, Kissimmee, FL 34744

HOW TO MAKE THE MOST OF YOUR PROPERTY MANAGEMENT BUSINESS Thursday, October 23, 2008 Time: 9:00 a.m. – 1:00 p.m.

Instructor: Cynthia DeLuca Location: Association Classroom, 1105 Shady Lane, Kissimmee, FL 34744 Description: This program is designed for the aspiring property manager. It will provide you with tips to increase profits.

Cost: Free CE Credit: 4 hours ■

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Description: This is a comprehensive, inclusive REALTOR® to REALTOR® instruction, NOT a teaser to buy expensive CD’s and manuals. This interactive workshop will prepare you to be successful in the “Short Sale” arena and avoid the many liabilities along the way. This course teaches what every REALTOR® needs to know about Short Sales.

Cost: Free CE Credit: 4 hours

October 2008

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Association Staff Jeri Peyton, Association Executive ae@osceola-realtors.com

AFFILIATE NEWS

By Richard Blubaugh, 2008 Chair PAINT YOUR HEART OUT!

Bob St. Gordon, Controller accounts@osceola-realtors.com

Don’t you just love this time of the year in Florida? The air smells clean and fresh. The sky seems to be a little brighter blue. Temperatures are down, spirits are up. Sunsets are glorious! It feels good to be outside for a change, which brings up what I would like to talk to you about.

Michelle Smith, Director of Knowledge Services education@osceola-realtors.com

The Affiliate members, REALTORS® and the Osceola REALTOR® Foundation have adopted a community service project for this fall called “Paint Your Heart Out”.

Stephanie Escurra-Hendricks, Member Services Representative sales@osceola-realtors.com

We have selected the Osceola County Council on Aging to be the recipient of this wonderful endeavor. On Saturday, November 15, 2008, we are going to “Paint Our Hearts Out” (exterior painting only) for the seniors living at Saint Cloud Villas, Kissimmee Park Road, in Kissimmee. We need volunteers to make this a great success. The “T” shirts, materials and supplies will be provided. You don’t have to be a great painter; all you have to do is be willing to share your heart and your time!

Gwen Dukes, Director of Communications communications@osceola-realtors.com

Anneris Rivera, Member Services Representative memberservices@osceola-realtors.com

Association Office 1105 Shady Lane Kissimmee, Florida 34744 www.osceolarealtors.org Email: communications@osceola-realtors.com 407.846.0117 • 407.846.0217 fax

Newsletter Submissions In order to share the wealth of information contained in this newsletter in an efficient manner, please submit your articles via e-mail or fax by the 10th of the month. Please clearly indicate that submission is for the Osceola Review.

Editor-in-Chief: Gwen Dukes Articles: communications@osceola-realtors.com Advertising: accounts@osceola-realtors.com For advertising inquiries please contact Bob St. Gordon at the Association Office. Your advertising defrays the cost of publishing. Thank you for your support.

The Osceola ReView is published exclusively for the Association by PIP Printing & Document Services Kissimmee, Florida 407.847.5565 • 407.847.2698 fax Pip@pip920.com Disclaimer: The Osceola ReVIEW is published for the members and affiliates of Osceola County Association of Realtors®, Inc. by Pip Printing and Document Services as a courtesy. Pip nor the Association assume any responsibility for article content or advertising message as submitted for inclusion in the newsletter. Advertising and articles are not endorsed by Association, nor is there any implied warranty by the Association or its staff.

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Mark your calendars and start recruiting volunteers from your offices. We will start at 8:00 a.m. on Saturday, November 15. More information will be coming to you through email and at our MLS Marketing Meetings on Tuesdays. ■

MemberShip News. Continued from Page 4.

16, 2008, the fee will be due before access is granted.

• To ensure all existing and new assistants have access when the login process changes on October 7, please make sure all applications are submitted to the Association by October 3.

(NOTE: The Assistant Application can be located on our website: www.osceolarealtors.org. Click on “Member Services” then “Join the Association”, “MLS Participation - Assistant Activation Form”.

What Do I Do With My Old LoginKey™?

After the transition on October 7, members who wish to dispose of the LoginKey™ should do so in accordance with all local codes and regulations for products containing lithium batteries.

Members who would like to return their LoginKey™ to RSA Security to be recycled can send them to: RSA Security Inc., 174 Middlesex Turnpike, Bedford, MA 01730 (Attention: Expired Token Disposal) or Members can A CLEAR CHOICE TITLE & ESCROW also drop their OF OSCEOLA, LLC LoginKey™ off at Tammy Bowers the Association, Manager 1105 Shady Lane, P: (407) 892-6800 119 E 13th Street F: (407) 892-6802 St Cloud, FL 34769 Kissimmee, FL tammy.bowers@aclearchoicetitle.com 34744. ■ www.aclearchoicetitle.com

October 2008

And in Florida, itâ&#x20AC;&#x2122;s a felony! Before you enter in to any real estate transaction, be sure your salesperson has a valid, current, active Florida real estate license. To verify a license is current and active, or to

report unlicensed activity go to www.myfloridalicense.com or call toll free 866.532.1440

October 2008

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#YN :ELLNER 0RESIDENT

DEADLINES YOU WILL HAVE TO PURCHASE THE HOME OR RISK FORFEITING YOUR EARNEST MONEY DEPOSIT 3IMPLY STATED IF YOUR CONTRACT DOES NOT INCLUDE A lNANCING CONTINGENCY YOU STAND TO LOSE YOUR DEPOSIT IF YOU ARE UNABLE TO GET A LOAN -OST IMPORTANTLY WHEN BUYING OR SELLING A HOME YOU SHOULD ALWAYS h7ORK WITH A 2%!,4/2¸ 7HO 7ILL 7ORK WITH 9OU v

WWW OSCEOLA REALTORS COM

BOARD OF DIRECTORS WEDNESDAY, OCTOBER 22, 2008 9:00 A.M. â&#x20AC;&#x201C; 10:00 A.M.

"E SURE TO h!SK IF YOUR AGENT IS A 2%!,4/2¸ A MEMBER OF THE .ATIONAL !SSOCIATION OF 2%!,4/23¸ v

/SCEOLA #OUNTY !SSOCIATION OF 2%!,4/23¸ 3HADY ,ANE +ISSIMMEE &, s 0HONE s &AX

9OU SHOULD TALK WITH A LEGITIMATE MORTGAGE LENDER PRIOR TO HOUSE HUNTING SO YOU WILL KNOW APPROXIMATELY HOW MUCH YOU CAN BORROW BASED ON THE INFORMATION YOU HAVE GIVEN THE LENDER 9OUR CONTRACT OFFER SHOULD BE CONTINGENT UPON YOUR ABILITY TO OBTAIN APPROPRIATE lNANCING WITHIN A STATED NUMBER OF DAYS !FTER THE LENDER APPRAISES THE SPECIlC PROPERTY AND FURTHER EVALUATES YOUR CREDIT

YOU WILL EITHER RECEIVE A LOAN COMMITMENT LETTER OR A REJECTION LETTER )F YOU DO NOT COMPLY WITH THE CONTRACT

)T IS IMPORTANT TO ALWAYS INCLUDE CONTRACT CONTINGENCIES THAT ALLOW FOR THE RETURN OF YOUR DEPOSIT n PARTICULARLY lNANCING AND HOME INSPECTION CONTINGENCIES 4HESE CONTRACT PROVISIONS WILL CLEARLY STATE WHAT MUST OCCUR BEFORE A REAL ESTATE CONTRACT IS BINDING

)N A SELLER S MARKET WELL PRICED n AND WELL MAINTAINED n HOMES MOVE QUICKLY 9OU MAY BE TEMPTED TO STREAMLINE YOUR CONTRACT OFFER TO AVOID LOSING YOUR DREAM HOME TO ANOTHER BUYER "UT YOU 34),, NEED TO PROTECT YOURSELF AGAINST UNFORESEEN COMPLICATIONS WITH YOUR lNANCING ARRANGEMENTS

-AKE 9OUR /FFER n 7ITH &INANCIAL #ONTINGENCIES

Leadership Meetings EXECUTIVE COMMITTEE MEETING WEDNESDAY, OCTOBER 22, 2008 8:00 A.M. â&#x20AC;&#x201C; 9:00 A.M.

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ATTENTION 2008 REALTORS®!

Tour Dates

The BUS is coming to Osceola County! Don’t miss it!

East Osceola Wed, Nov 12

West Osceola Wed, Nov 19

For the third year, the Tram will take you for an exclusive tour of the hottest homes in Osceola County.

A day of incredible homes GUARANTEED! Dozens of great prizes, food and drinks, valuable sales information, and tons of fun all wrapped up in two days.

Don’t miss out… Reserve your seat now! Space will be limited.

One Tour $25 or Two Tours $35 All tours depart Osceola County Association of REALTORS® 1105 Shady Lane, Kissimmee, FL 34744 at 8:30 am sharp Arrive back at approx. 5:30 pm

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Stacie@HBAofMetroOrlando.com

Mail or Fax to:Stacie Cornell, Director of Events & Councils 544 Mayo Ave, Maitland, FL 32751 Phone: 407-691-2185 FAX: 407-691-2195

CHECKS PAYABLE TO THE HBA

Choose:

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East

West

Name Company (Tours are for REALTORS only please) Phone #

FAX#

Address E-Mail Total $ Method of Payment: Check Card # Exp Date

Visa

MC

Amex

Sponsored By: Greg Mazza & Allen Oliver

Signature

October 2008

Education News

By Michelle Smith, Director of Education QUADRENNIAL CODE OF ETHICS TRAINING. THE QUADRENNIAL ENDS DECEMBER 31, 2008!

According to both the National Association of REALTORS® (NAR) and the Osceola County Association of REALTORS® Bylaws, members who fail to satisfy this requirement shall be considered in violation of membership duty for which REALTOR® membership shall be suspended until such time as the training is completed.

Members suspended for failing to meet the requirement for the second (2005-2008) cycle and subsequent fouryear cycles will result in suspension of membership for the first two months (January and February) of the year following the end of any four-year cycle or until the requirement is met, whichever occurs sooner. On March 1 of that year, the membership of a member who is still suspended as of that date will be automatically terminated.

We have added more opportunities for you to fulfill these requirements called “Popcorn & Ethics”. These are non-instructed and no CE credit will be given for attending. We will be showing the NAR Quadrennial Code of Ethics DVD and offering popcorn and soda.

Association Executive Perspective.

To register, go to our website www.osceolarealtors.org and click on “Online Member Services”.

PLEASE DON’T RISK SUSPENSION. Register today!

If you have any questions, please feel to give me a call at (407) 846-0117, ext. 224. ■ Arbor Ridge

Festival Pointe

How can we help you grow your business?

Because we value your partnership.

Orlando-, Daytona- and Lakeland-area Brokers are the best in our book. That’s why the KB Home team is always looking for ways to help you and your clients have a better homebuying experience. In fact, we have two Broker Liaisons assigned solely to your business and dedicated to meeting your needs. It’s the kind of service you can expect from a builder who values your partnership. ®

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Call our Broker Liaisons today. Carolyn Vanderzyden at (407) 947-6085 or Cheris Hubbard at (407) 234-2846.

Let us know how we can help you grow your business.

888-KB-HOMES

kbhome.com

Broker Cooperation Welcome. ©2008 KB Home (KBH). Payment of Broker Co-op requires Broker to register buyer on first visit to community and comply with Broker Co-op Agreement. Commission excludes the value of any incentive provided by Seller, homesite premiums and décor items, options and upgrades purchased. See Built to Order™ options and upgrades offered at KB Home Studio. All options/upgrades require additional charges, may require ordering at predetermined stages of construction and are subject to change/ discontinuation anytime by KB Home. KB Home is not a custom homebuilder. Photos show upgraded landscaping/options and may not represent communities’ lowest-priced homes. See sales representative for details. Equal housing opportunity. CBC051212 ORL-75696

Continued from Page 3.

p.m. on Friday, October 17, 2008.

1 9/8/08 3:36:11 PM KBHOME PRINT AD Our Bylaws state that the slate must be published 75696 a 1001 OSCAR.indd 75696 1001 COLOR PROOF #beginning The election willCOLOR/BW open______________ for balloting JOB # ___________________ ________________1 at minimum of three weeks before the election can be ORL N/A 09/02 8:00 a.m.

Monday, November 3, 2008, through 5:00 DIVISION ________________ LIVE ____________________ DUE TO DIV ______________ held. Therefore, on September 19, 2008, the slate OSCARNovember 3.6875 X 4.9375 RUN 10/01 p.m.

Thursday, 6, 2008.

The of the PUB ____________________ TRIM ___________________ DATEresults _______________ was emailed to the entire REALTOR® Membership. It election will be captured by the Association’s attorney 09/08 N/A DUE TO VENDOR __________ CAMPAIGN ______________ BLEED __________________ was also posted on the Association’s website. on Friday, November 7, 2008, to ensure accuracy, FOLLOWING ARE THE GUIDELINES TRAFFIC SIGNOFFS accountability and the integrity of the process. The FOR ON-LINE VOTING: ARTIST ___________________________BLH UPLOADED TO ____________________ results will be placed on PDF the Associations internet PROOF/LEGAL ________________________ MARKETING FINALin ____________________ site, emailed to all members, posted the newsletter When a member goes to the Association’s website REP/MNGR __________________________ PROD/CREATIVE FINAL _________________ and posted in the Association’s lobby.

As well, the to view the Committee’s recommendation, they CREATIVE SHIPPED JOB _________________________ slate ____________________________ will be presented to the members at the Annual will see the slate with the Nominating Committee Meeting, Tuesday, December 2, 2008. recommendations, as well as other nominees running from the floor.

Nominations may still be made for Officer and Director positions by members who have previously been a Board Officer or Director or a member who has completed the Association’s Leadership Academy by submitting a Candidate Form to Jeri Peyton, Association Executive, at the Association by 5:00

October 2008

The following slate is the recommendation of the Nominating Committee: * = Nominating Committee Recommendation Officers: *President-Elect: Jose Alvarez, One Way Realty, Inc. *Vice President: Veronica Malolos, HomeEnvy Florida, Inc. Continued on Page 12.

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Popcorn & Ethics TTer mit ee Inspections ermit mite er mit Inspections ermit mite

In& an T effort to assist members in completing rreatments Tr & T eatments Tr (Discounted Rates for OSCAR Members) their mandatory Quadrennial Code of (Discounted Rates forNAR OSCAR Members) • ACCURATE • FRIENDLY Ethics FAST training, the Association is hosting our version FAST • ACCURATE • FRIENDLY of “Dinner and a Movie”.

Please join us in the ASK ASKABOUT ABOUTOUR OUR Association classroom for “Popcorn & Ethics”. We “EAGLE TENT” SERVICE “EAGLENO NO TENT”TERMITE TERMITE SERVICE will be showing the NAR Code of Ethics DVD and serving popcorn and soda for showings each date.

The dates and times are as follows:

EAGLE EAGLEPest PestManagement Management 40 7-5 118-08 75 407-5 7-51 8-0875 40 7-5 8-08 75 407-5 7-51 8-0875

409 Church Street FL 409 Church Street• •Kissimmee, Kissimmee, FL34741 34741 Thursday, October 16, 2008

Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

Thursday, October 30, 2008 Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

Thursday, December 4, 2008 Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

Thursday, December 11, 2008 Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

Please log onto “On Line Member Services” and register through the Education Calendar. For more information, please contact Michelle Smith at 407846-0117, ext. 224. ■

la compañía compañía hispana hispana de de ®®

Thursday, November 13, 2008 Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

“REALZAN EL EL PROCESO PROCESODE DELA LATRANSACCIÓN TRANSACCIÓN DE DE BIENES BIENESRAICES” RAICES”

Thursday, November 19, 2008 Early bird – 9:30 a.m. – 12:00 p.m.

Matinee – 1:30 p.m. – 4:00 p.m.

1201 Emmett Emmett Street Street••Kissimmee, Kissimmee,FL FL 34741 34741 407-931-1343 407-931-1343 phone phone••407-931-1415 407-931-1415fax fax

OUT

OUT

No matter where they go...there you are.

Congratulations

to the following Osceola County Association Members whose personal website on HomesAndLand.com received the most views in September!

Denise Sacks ~ 587 Steve Pugh ~ 523 Karen Orriss-Ross ~ 454 Stephanie Honoré ~ 348 Tim Weisheyer ~ 335 D’Anne KinCannon ~ 329

For advertising information,

Joye Trawick, 407.719.2424

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Tammy M. Bowers Rachel Haggard Julie Head Tammy M. Bowers Rachel Haggard JulieAgent Head Closing Dept.

Manager Operations Manager Closing Closing Dept. Manager Operations Manager Closing Agent 407-931-2889 phone 322 N. John Young Parkway 407-931-2889 phone 322 N. John Young Suite Parkway 407-931-2852 fax 1 407-931-2852 fax Suite 1 e-mail:flt@cfl.rr.com Kissimmee, FL 34741 HomesAndLandOrlandoResort.com e-mail:flt@cfl.rr.com Kissimmee, FL 34741

October 2008

we want to extend our sincere appreciation to our Sponsors!

Premier Sponsor

Gold Sponsor

Silver Sponsor

Bronze Sponsor A.

Titanium Sponsor B.

C.

October 2008

D.

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Association Executive Perspective.

Public Policy Committee. Continued from Page 2.

Continued from Page 9.

This proposed facility is also near Lakefront Park, where outdoor enthusiasts can enjoy ready access to boating, fishing, picnicking and other recreational activities on Lake Tohopekaliga. It is only about a half-mile from the downtown Kissimmee Amtrak depot, located near the intersection of Broadway Street and Monument Avenue. Station design plans call for a 381-space parking lot integrated into the city’s long-range plans for an intermodal stop, providing commuters with easy bus and transit connections, such as Greyhound, Amtrak, or bike for that matter.

*Secretary: Andrey Bustamante, RE/MAX Properties SW

Officer Position Open (You can Only Vote for One): Treasurer: Susan Graves, Coldwell Banker Ackley *Treasurer: Len Goffredo, One Way Realty & Associates, Inc.

3-Year Terms as Directors (You can only vote for three): *Renee Clark, Clark Investment Properties Nancy Cuevas, Prudential Sapphire Realty *Denise Sacks, Sacks Realty Group, Inc. *Tim Weisheyer, Pioneer Realty

1-Year Term as Director (You can only vote for one): Paul Antonelli, Coldwell Banker Ackley *Kim Goodwin, Goodwin Realty & Associates, Inc. Louis Jeanniton, Pioneer Realty Daisy Lopez-Cid, RE/MAX Premier Properties Angel Ortiz, One Way Realty & Associates, Inc. Jodi Rivera, Prudential Sapphire Realty Services, Inc. Wilma Stub, Pioneer Realty

1-Year Term As Appointed Director: John Iannone, Keller Williams At The Lakes Rajia Ackley, Coldwell Banker Ackley Realty

The newly elected Officers and Directors will join the following Directors whose terms have yet to expire: Riva Alexander, Keller Williams At The Lakes David DeLoach, DeLoach Real Estate, Inc. Kemp Howland, Prudential Sapphire Realty Services, Inc.

Please feel comfortable in calling me at (407) 846-0117, ext. 226, or emailing me at ae@osceola-realtors.com if you ever have any questions, concerns or comments about the Association or staff. I welcome your input. ■

Association Leadership President................................ Hope Andrews President-Elect........................Sean Ferguson Vice-President........................... Marie Collins Secretary................................... Len Goffredo Treasurer................................. Minetta Garay Past President.................................. Jack Frey Directors Riva Alexander Jose Alvarez Andrey Bustamante David DeLoach Cheryl Grieb Kemp Howland Jerry Kelley Rosebud Kinkead Richard Knapp Veronica Malolos Denise Sacks Legal Counsel....................... Danny Villazon

LOCAL CITY, COUNTY & SCHOOL BOARD MEETING INFORMATION City of Kissimmee Commission Agenda & Meeting Schedules http://www.kissimmee.org/ch_gov_commission. aspx?id=73 City of St. Cloud Commission Agenda & Meeting Schedules http://www.stcloud.org/Archive. asp?AMID=32&Type=Recent Osceola County Commission Agenda & Meeting Schedules http://www.osceola.org/index. cfm?lsFuses=Department/BCC/1075 Osceola County School Board Agenda & Meeting Schedules http://www.osceola.k12.fl.us/board/PDFOrg/ index.asp ■ Osceola County Association of REALTORS®, Their Families & Staff First Link Medical, L.L.C. Screening Saves Lives!

Event Date: Friday, November 7, 2008 - 8:30 a.m. to 1:00 p.m.

Osceola County Association of REALTORS®, Their Families & Staff First Link BLOOD Medical, L.L.C. HAVE YOUR INDIVIDUAL Lives!

CHOLESTEROL CHECKED! TESTSScreening STARTINGSaves AT $30 COMPREHENSIVE HEALTH Event Date: Friday, November 7, 2008 - 8:30 a.m. to 1:00 p.m.

PACKAGES STARTING AT $45 Disease Guard - $245 Cholesterol - $30 HAVE YOUR INDIVIDUAL BLOOD (Fasting Required) (Fasting Required) Cancer Guard CHOLESTEROL CHECKED! TESTS STARTING AT $30 COMPREHENSIVE HEALTH Up to 60 tests ($1,000 Value) Checks for elevated Cancer • HDL, LDL and Triglycerides PACKAGES STARTING AT $45 Markers • Men’s Package $45 Cancer -Guard ProstateChecks Cancerfor PSA elevated Cancer • Woman’s Package - $75 Markers Ovarian•Cancer Men’sTesting Package - $45 Prostate Cancer PSA CEA and CA-125

Heart

Woman’s Package - $75 Guard Ovarian - $75 Cancer Testing CEA and CA-125 •

• • • • • •

(Fasting Required) • • CardiacHeart C-Reactive Protein Guard - $75 • • Lipid Panel – Assesses risks of (Fasting Required) heart attack and stroke • Cardiac C-Reactive Protein • Lipid Panel – Assesses risks of heart attack Super Cholesterol - $95and stroke

(Fasting Required) Cholesterol High LevelsSuper Correlate with a - $95 (Fasting greater risk of heart Required) disease and High Levels Correlate with a stroke. greater risk of heart disease and • Lipid Panel – HDL, LDL and stroke.

Triglycerides • Lipid Panel – HDL, LDL and • Lipo ProteinTriglycerides and Homocysteine • LipoLevels Protein and Homocysteine Levels

Health Guard - $195

Cholesterol HDL,-LDL Disease –Guard $245and Triglycerides (Fasting Required) Diabetes A1c Value) Up to –60Glucose tests & ($1,000 Liver • Enzymes Cholesterol – HDL, LDL and ThyroidTriglycerides Panel – T3, T4, Free • and Diabetes THY TSH – Glucose & A1c • Liver Enzymes(14 tests) Complete Metabolic • Thyroid PanelCell – T3, T4, Free CBC / Total Blood Count THY and TSH (19 tests) • Complete Metabolic (14 tests) Cardiac C-Reactive Protein • CBC / Total Blood Cell Count Men or (19 Woman’s tests) Cancer Test or Hepatitis ABC • Cardiac C-Reactive Protein

Men or Woman’s Cancer Test or Hepatitis ABC Estrogen Levels - $70 •

th Levels

- $70 AllergyEstrogen Testing (5 Gen.)

•

•

Food (10 and 20 Panel)th Allergy Testing (5 Gen.) Airborne • Food (10 and 20 Panel) •

Airborne

Liver Enzymes - $30

Measures function, damage Liver Enzymes - $30or disease Measures function, damage or disease

Hepatitis ABC - $70 Health Guard - $195 (Fasting Required) Hepatitis ABC - $70 (Fasting Required) • Cholesterol - HDL, LDL and • Cholesterol HDL, LDL and Rheumatoid Arthritis-$35 Triglycerides Rheumatoid Arthritis-$35 Triglycerides • Liver Enzymes • Liver Enzymes Diabetes - $45 - $45 • Thyroid•Panel – T3, T4, Free Diabetes Thyroid Panel – T3, T4, Free (Fasting(Fasting Required) THY and TSH Required) THY and TSH levels and A1c • Complete (14 tests) (14 tests) • Glucose • Glucose levels and A1c • Metabolic Complete Metabolic • CBC / Total Blood CellBlood CountCell Count • CBC / Total (19 tests) (19 tests) Thyroid Thyroid Panel Panel - $45 - $45 Cardiac C-Reactive T4,THY Free and THYTSH and TSH • Cardiac •C-Reactive Protein Protein • T3, •T4,T3, Free Diabetes –Levels Glucose Levels • Diabetes• – Glucose

Cholesterol - $30

Complete (Fasting Metabolic Required) - $30

(Fasting Required) • HDL, LDL and Triglycerides • (14 tests) Complete Metabolic - $30 (Fasting Required)

CBC / Total Blood Cell • (14 tests) Count - $30

• (19 tests) CBC / Total Blood Cell Checks for infections, anemia and Count - $30 Leukemia • (19 tests)

Checks for infections, anemia and

Leukemia Homocysteine Levels - $75

High levels correlate with a greater Levels - $75 riskHomocysteine of Heart Disease and stroke

High levels correlate with a greater

risk of C-Reactive Heart Disease and stroke Cardiac Protein - $50

Cardiac C-Reactive Protein - $50

Menopause Profile - $295

($768 Value) Profile - $295 Menopause • ($768 Total Value) Estrogen, LH, FSH, Progesterone and •DHEA-S, Total Estrogen, LH, FSH, DHEA-S, Progesterone and Total Testosterone Total Testosterone

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NATIONAL ASSOCIATION OF REALTORS Preamble

nder all is the land. Upon its wise utilization and widely allocated ownership depend the survival and growth of free institutions and of our civilization. REALTORS should recognize that the interests of the nation and its citizens require the highest and best use of the land and the widest distribution of land ownership. They require the creation of adequate housing, the building of functioning cities, the development of productive industries and farms, and the preservation of a healthful environment. uch interests impose obligations beyond those of ordinary commerce. They impose grave social responsibility and a patriotic duty to which REALTORS should dedicate themselves, and for which they should be diligent in preparing themselves.

REALTORS , therefore, are zealous to maintain and improve the standards of their calling and share with their fellow REALTORS a common responsibility for its integrity and honor. n recognition and appreciation of their obligations to clients, customers, the public, and each other, REALTORS continuously strive to become and remain informed on issues affecting real estate and, as knowledgeable professionals, they willingly share the fruit of their experience and study with others.

They identify and take steps, through enforcement of this Code of Ethics and by assisting appropriate regulatory bodies, to eliminate practices which may damage the public or which might discredit or bring dishonor to the real estate profession. REALTORS® having direct personal knowledge of conduct that may violate the Code of Ethics involving misappropriation of client or customer funds or property, willful discrimination, or fraud resulting in substantial economic harm, bring such matters to the attention of the appropriate Board or Association of REALTORS . ealizing that cooperation with other real estate professionals promotes the best interests of those who utilize their services, REALTORS urge exclusive representation of clients; do not attempt to gain any unfair advantage over their competitors; and they refrain from making unsolicited comments about other practitioners.

In instances where their opinion is sought, or where REALTORS believe that comment is necessary, their opinion is offered in an objective, professional manner, uninfluenced by any personal motivation or potential advantage or gain. he term REALTOR has come to connote competency, fairness, and high integrity resulting from adherence to a lofty ideal of moral

October 2008

CODE OF ETHICS

conduct in business relations. No inducement of profit and no instruction from clients ever can justify departure from this ideal. n the interpretation of this obligation, REALTORS can take no safer guide than that which has been handed down through the centuries, embodied in the Golden Rules, “Whatsoever ye would that others should do to you, do ye even so to them.” ccepting this standard as their own, REALTORS pledge to observe its spirit in all of their activities and to conduct their business in accordance with the tenets set forth below

expenditures made for their client, without the client’s knowledge and consent.

When recommending real estate products or services (e.g., homeowner’s insurance, warranty programs, mortgage financing, title insurance, etc.), REALTORS shall disclose to the client or customer to whom the recommendation is made any financial benefits or fees, other than real estate referral fees, the REALTOR or REALTOR ’s firm may receive as a direct result of such recommendation.

Article 7 In a transaction, REALTORS shall not accept compensation from more than one party, even if permitted by Article 1 law, without disclosure to all parties When representing a buyer, seller, and the informed consent of the landlord, tenant, other client as an

agent, REALTORS pledge themselves REALTOR ’s client or clients.

Article 8 to protect and promote the interests of their client. This obligation to the REALTORS shall keep in a special client is primary, but it does not relieve account in an appropriate financial institution, separated from their own REALTORS of their obligation to treat all parties honestly. When serving funds, monies coming into their a buyer, seller, landlord, tenant or other possession in trust for other persons, such as escrows, trust funds, clients’ party in a non-agency capacity.

REALTORS remain obligated to treat monies, and other like items. all parties honestly.

Article 9

Article 2 REALTORS shall avoid exaggeration, misrepresentation, or concealment of pertinent facts relating to the property or the transaction.

REALTORS shall not, however, be obligated to discover latent defects in the property, to advise on matters outside the scope of their real estate license, or to disclose facts which are confidential under the scope of agency or non-agency relationships as defined by state law.

Article 3 REALTORS shall cooperate with other brokers except when cooperation is not in the client’s best interest. The obligation to cooperate does not include the obligation to share commissions, fees, or to otherwise compensate another broker.

Article 4 REALTORS shall not acquire an interest in or buy or present offers from themselves, any member of their immediate families, their firms or any member thereof, or any entities in which they have any ownership interest, any real property without making their true position known to the owner or the owner’s agent or broker. In selling property they own, or in which they have any interest, REALTORS shall reveal their ownership or interest in writing to the purchaser or the purchaser’s representative.

Article 5 REALTORS shall not undertake to provide professional services concerning a property or its value where they have a present or contemplated interest unless such interest is specifically disclosed to all affected parties.

Article 6 REALTORS shall not accept any commission, rebate, or profit on

REALTORS , for the protection of all parties, shall assure whenever possible that agreements shall be in writing, and shall be in clear and understandable language expressing the specific terms, conditions, obligations and commitments of the parties. A copy of each agreement shall be furnished to each party upon their signing or initialing.

Article 10 REALTORS shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status, or national origin. REALTORS shall not be parties to any plan or agreement to discriminate against a person or persons on the basis of race, color, religion, sex, handicap, familial status, or national origin.

REALTORS , in their real estate employment practices, shall not discriminate against any person or persons on the basis of race, color, religion, sex, handicap, familial status, or national origin.

Article 11 The services which REALTORS provide to their clients and customers shall conform to the standards of practice and competence which are reasonably expected in the specific real estate disciplines in which they engage; specifically, residential real estate brokerage, real property management, commercial and industrial real estate brokerage, real estate appraisal, real estate counseling, real estate syndication, real estate auction, and international real estate.

REALTORS shall not undertake to provide specialized professional services concerning a type of property or service that is outside their field of competence unless they engage the assistance of one who is competent on such types of property or service, or

unless the facts are fully disclosed to the client. Any persons engaged to provide such assistance shall be so identified to the client and their contribution to the assignment should be set forth.

Article 12 REALTORS shall be honest and truthful in their real estate communications and shall present a true picture in their advertising, marketing, and other representations.

REALTORS shall ensure that their status as real estate professionals is readily apparent in their advertising, marketing, and other representations, and that the recipients of all real estate communications are, or have been, notified that those communications are from a real estate professional.

Article 13 REALTORS shall not engage in activities that constitute the unauthorized practice of law and shall recommend that legal counsel be obtained when the interest of any party to the transaction requires it.

Article 14 If charged with unethical practice or asked to present evidence or to cooperate in any other way, in any professional standards proceeding or investigation, REALTORS shall place all pertinent facts before the proper tribunals of the Member Board or affiliated institute, society, or council in which membership is held and shall take no action to disrupt or obstruct such processes.

Article 15 REALTORS shall not knowingly or recklessly make false or misleading statements about competitors, their businesses, or their business practices.

Article 16 REALTORS shall not engage in any practice or take any action inconsistent with the agency or other exclusive relationship recognized by law that other REALTORS have with clients.

Article 17 In the event of contractual disputes or specific non-contractual disputes as defined in Standard of Practice 17-4 between REALTORS (principals) associated with different firms, arising out of their relationship as REALTORS , the REALTORS shall submit the dispute to arbitration in accordance with the regulations of their Board or Boards rather than litigate the matter.

In the event clients of REALTORS wish to arbitrate contractual disputes arising out of real estate transactions, REALTORS shall arbitrate those disputes in accordance with the regulations of their Board, provided the clients agree to be bound by the decision.

The obligation to participate in arbitration contemplated by this Article includes the obligation of REALTORS (principals) to cause their firms to arbitrate and be bound by any award.

(12/2007)

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Sun.

Monday

Tuesday

Wednesday

October 2008

Monthly Planner

5

6

12

13 Property Management Meeting 9:00 am - 11:00 am

19

7

Affiliate Committee Mtg. 10:00 am - 11:00 am Realtor Appreciation Breakfast Dr. Michael Grego 8:30 am

14 MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

20

21

Arbitration Hearing 1:00 pm

MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

26

27

28 MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

Foundation Meeting 2:00 pm - 3:00 pm

1

8 New Member Welcome 9:00 am - 11:00 am

15

Introduction to MLXchange 9:00 am - 12:00 noon MLS Listing Maintenance 1:00 pm - 3:30 pm

Thursday

Friday 2

3

4

9

10

11

Popcorn & Ethics 16 (2 Sessions) 9:30 am - 12:00 noon & 1:30 pm–4:00 pm

17

18

24

25

Public Policy Committee Meeting 3:00 pm

MLS Advantage 1:30 pm - 3:30 pm Transaction Desk (MLS) 9:00 am - 12:00 noon

YPN Get-Together (TBD) 6:30 pm

Creating a Board of Directors 22 23 Mtg. 9:00 am - 10:00 am Professional CMA (MLS Class) 2:00 pm - 4:30 pm Executive Committee 8:00 am - 9:00 am How to Make the Most of Your Short Sale Essentials Property Management Business 1:00 pm-5:00 pm 4 CE 9:00 am - 1:00 pm

29

MLS Designer Tools 10:00 am - 12:00 noon MLS Pro 1:00 pm - 3:00 pm

Sat.

30 Popcorn & Ethics (2 Sessions) 9:30 am - 12:00 noon & 1:30 pm–4:00 pm

31

November 2008

Monthly Planner

2

3

Affiliate Committee 4 Meeting 10:00 am

MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am Online Voting 2009 BOD

9

10 Property Management Meeting 9:00 am - 11:00 am

11 MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

NAR Gov Mtgs

New Member 5 Welcome 9:00 am - 11:00 am

6

7

17

18 MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

8

Online Voting 2009 BOD NAR Annual Governance Meetings – Orlando

12

Introduction to MLXchange 9:00 am - 12:00 noon Listing Maintenance 1:00 pm - 3:30 pm

13

14

19

Popcorn & Ethics (2 Sessions) 9:30 am - 12:00 noon & 1:30 pm–4:00 pm

15 “Paint You Heart Out” St. Cloud Villas Kissimmee Park Rd. Kissimmee, FL 8:00 am

Popcorn & Ethics (2 Sessions) 9:30 am - 12:00 noon & 1:30 pm–4:00 pm

SAM TRAM

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1

20

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22

28

29

“So You Want to Be a Broker” 9:00 am - 12:00 noon

SAM TRAM

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Board of Directors 9:00 am - 10:00 am

Executive Committee Mtg. 8:00 am - 9:00 am

ReVIEW

25 MLS Marketing/ Network & Knowledge 8:30 am - 10:00 am

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thanksgiving holiday association closed

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thanksgiving holiday association closed

October 2008

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It takes talent, timing and SunTrust Mortgage, Inc. to help your clients achieve a fast and problem-free closing. Let us show you how your company can benefit from our depth of mortgage products and extensive experience in the industry. Ǧ Professional co-branded marketing tools that can help you sell Ǧ Great loan products for primary, second or vacation homes and investment properties Ǧ More than 250 diverse loan products Ǧ A robust construction to permanent program that features a one-time closing Ǧ The individual attention your clients deserve To find out how we can enhance your business, call your SunTrust Mortgage loan officer today or visit us at: 1624 W Osceola Parkway, Kissimmee, FL 34741 Millie Plass 407.925.9453 Sheree Fox 407.491.2660 Najla Jalal 407.947.1227 Nancy Knapp 321.624.1560 Dawn Lenhardt 407.435.9668 The information contained herein is intended as informational material for the sole and exclusive use of the business entities to which it was distributed and is subject to change without written notice.

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NEW AFFILIATE OFFICES CHARLES P. CASTELLON, PA LAW FIRM. ... CHARLES CASTELLON 12934 Deer Trace Ave., Suite A * Orlando, FL 32837 Phone: (407) 841-0201 * Fax: (407) 847-5618 FIELD SERVICES REO PROPERTIES................ REY ANDRADE 720 N. John Young Pkwy. * Orlando, FL 32804 Phone: (863) 669-8767

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Carlos Facchinat............................................ Watson Realty Group Fariborz Fard.................................................................... Homes To Go Javier Garcia............................................................La Rosa Realty, LLC Regina Graham........................................................La Rosa Realty, LLC Ashley Halquist............................................ Lifestyles Home Sales, Inc. Malcolm Hay..................................................... Countryside Realty, Inc. Marcela Herrea...........................................Keller Williams At The Lakes Michelle McKenzie............................................... Watson Realty Group Sakina Mernissi.........................................Coldwell Banker West Realty Michele Newball................................................... Watson Realty Group Harold Newhall.................................... Century 21 Premium Properties Gilberto Nieves..............................................................Pioneer Realty Jaime Osborne............................................Keller Williams At The Lakes Marlon Restrepo.................. Weichert REALTORS® Hallmark Properties Barbara Stamm...................................................... Overton Realty, Inc. Kerry Stamper........................................ Coldwell Banker Ackley Realty Miriam Volikas..........................................Coldwell Banker West Realty Larry Webb........................................... Century 21 Premium Properties

ERA VACATION HOMES STORE, INC

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WELCOME NEW MEMBERS

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897 Towne Center Drive Poinciana, Florida 34759 Ph: (407) 343-1560 Cell: (786) 316-9270 Fax: (407) 343-1561 www.prominenttitle.com bdobbie@prominenttitle.com

Pedro Alzate.............................................. DPG Realty Group, Inc. Peter Anderson...................................Frontline Florida Realty, Inc. Jocelyn Aviles........................................... Inteli Realty Group, Inc. Macylane Becker.........................................RE/MAX Market Place Matthew Benetti.......................................... Watson Realty Group Francis Bove.................................................. Watson Realty Group Raymond Butterfield.................... ERA Vacation Homes Store, Inc. Christopher Cain............................................Heritage Park Realty Joseph Calero.............................................Sky Land Realty Group Letriona Carter....................................First Choice Real Estate, LLC Fernande Edwards......................................... Regency Group, LLC Nancy Estrep.......................................Keller Williams At The Lakes

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