RIGHT AT HOME REALTY OFFICE MANUAL Version 1.5 CONFIDENTIAL - 1 – Copyright© 2012 INTRODUCTION This office manual is designed to define and explain the policies, procedures and guidelines adopted by Right At Home Realty (RAH) for the conduct of business by our Sales Representatives and Brokers. This document is to be read in concert with the Sales Representative Independent Contract Agreement. This Manual is electronically posted on the Company’s intranet site and updated periodically. It is the Sales Representative’s responsibility to keep current on changes to this policy, such changes will be communicated by way of email. DEFINITIONS (for this document) RAH, Right At Home, and/or Right At Home Realty – means; Right At Home Realty Inc., Brokerage. Sales Representative – means same as; IC, Independent contractor, Sales person, Broker and/or Realtor RECO – means; Real Estate Council of Ontario TREB – means; Toronto Real Estate Board Call Centre – means; Continental Connect Canada Manager – means; respective Branch Manager 1. CONFIDENTIALITY All company policies, procedures, guidelines and agreements are confidential and proprietary. 2. MEMBERSHIPS Right At Home Realty is a member of several Real Estate Boards, The Ontario Real Estate Association and the Canadian Real Estate Association. The company is currently a member in good standing with the following Real Estate Boards: The Toronto Real Estate Board The Oakville Milton Real Estate Board The Durham Region Association of Realtors The Burlington & Hamilton Real Estate Board The Brampton Real Estate Board The Company, and all of its employees and licensed independent sales representatives, will abide by a Code of Ethics and Standards set out by those organizations. 3. REAL ESTATE LICENSE It is the responsibility of the sales representative to keep his or her real estate license in good standing and to ensure that all the required credit hours are completed in a timely fashion. Each sales representative will be informed when his or her license renewal has arrived. It is the responsibility of the sales representative to return the completed renewal to RECO with payment, to ensure that they are in good standing. If the Salesperson does not renew on time the Brokerage must follow the guidelines and terminate the salesperson on the renewal date. 4. CORPORATE OFFICE Our corporate office is located at 895 Don Mills Road, Suite 202, Toronto, M3C 1W3. The corporate office is where our accounting and executive offices are situated. The hours of operation are 9am to 5 pm Monday to Friday. The only holidays that are observed are official statutory holidays - namely: New Year's Day, Family Day, Good Friday, Victoria Day, Canada Day, Civic Holiday, Labor Day, Thanksgiving, Christmas Day and CONFIDENTIAL - 2 – Copyright© 2012 Boxing Day. 5. BRANCH OFFICE HOURS The following is a list of the hours of operations for each our branch locations: Toronto Office Monday-Friday 8am to 8pm, Saturday 10am to 4pm Mississauga Office Monday-Friday 9am to 5pm Richmond Hill Office Monday-Friday 9am to 5pm Durham Office Monday-Friday 9am to 5pm Oakville Office Monday-Friday 9am to 5pm Burlington Office Monday-Friday 9am to 5pm 6. APPOINTMENT DESK/CALL CENTRE All appointment bookings are handled centrally through our call centre. The appointment desk is open seven (7) per week from 8 AM to 10 PM. The following is a list of the services provided by our appointment desk: Book appointments Page messages RAH agents/managers/admin staff Confirm appointments Cancel any unconfirmed appointments Answer general questions and calls from vendors/tenants regarding appointments. Transfer callers to the RAH offices (if and when required) Placing outbound calls to vendors/tenants Placing outbound calls to requesting agents offices with confirmations/non confirmations Enter showing instructions for RAH listings Page RAH agents with any appointments requested on listings without showing instructions. Monday to Friday 9am-5pm forward RAH agents to their admin staff for any profile issues. After hours and weekends they are to email their office managers. Should you require support for Touchbase, please contact your office (if open) or the TREB helpdesk. (ie. need reports, add new contact information for pages, need to know how to login etc.) The appointment desk does not provide any information paged out to an agent over the phone. In rare cases that the agent isn’t able to log into their Touchbase account management will assist if available. The appointment desk cannot be used for non-RAH business. 6.1 SHOWING INSTRUCTIONS: Showing instruction form must be completed and sent by fax separately to the appointment call centre (647) 288-9410 so all information for appointments can be entered for confirmation with both Sellers and Cooperating Salespeople. Appointment records are also sent to each listing agent. Should the form NOT be sent to the appointment call centre, the call centre will forward all information to listing agent for servicing directly. 7. FRONT-OFFICE SUPPORT Administrative support will be provided to all salespeople at their respective branch. All offer generation is handled is specifically by the individual salespeople. CONFIDENTIAL - 3 – Copyright© 2012 The company offers training at in-office meetings to build rapport and provide relevant information to our sales team. 8. MANAGER SUPPORT The manager will be available for salesperson support seven (7) days per week and available between the hours of 9AM and 10 PM for telephone and email support. Technical assistance regarding offers or strategies to assist in listing situations, offer presentations and marketing are the areas were a branch manager can assist the salesperson. 9. SALES MEETINGS Meetings and seminars will be held at the Branches regularly and each may have a main topic and/or speaker. All sales representatives are encouraged to attend these meetings. Should an office meeting have to be cancelled, the sales representatives will be notified by a group email. 10. EMAIL COMMUNICATION Email is the primary mode of communication within our organization, as such it is imperative that you either read all our company emails or login regularly to the Purple Connection (our intranet site) to read the newsfeed. The emails often contain important policy or pertinent information that you need to know. Periodically, managers may direct their calls to another RAH manager. You will be notified via email when this occurs. 11. Our main website is located at: www.rightathomerealty.com 12. INTRANET The company INTRANET, called the Purple Connection, is a password protected site that is accessible from the landing page of our main website. The intranet is a repository for upto-date news items related to the company, policy manuals, all artwork and graphics, information on new developments, various forms of information and forum discussions. 13. SOCIAL MEDIA The company has a Facebook business www.facebook.com/rightathomerealtyinc and a www.twitter.com/#!/RightAtHomeRE page Twitter located located at at 14. SALES REPRESENTATIVES' MAIL FOLDER/FILES Every sales representative will be given his/her own personal mail folder. Any, mail, reports, cheques, etc. will be placed here for the sales representatives to pick up regularly. Management reserves the right to remove the contents and courier to Representative at their expense. 15. INTERNET ACCESS & OFFICE COMPUTER All offices are equipped with high speed Internet service and other state-of-art technologies. Any sales representative having their own computers for personal use in the office can be set up with a high-speed wireless connection through the office. The offices do not have the facility of printing from a Salesperson’s wireless device. 16. INTERNET POLICY 1. Participating in unauthorized chat groups or inappropriate Internet news groups, or accessing free internet e-mail account (i.e. Hotmail, etc.) or any "non-business-like" web site.2. Spreading or forwarding chain letters, chain mail, or Spam. 3. Downloading or installing any unauthorized applications on Right at Home Realty computer systems without permission from management. 4. Intentional damage to or interference with network resources. CONFIDENTIAL - 4 – Copyright© 2012 5. Defamatory or discriminatory statements, hateful, harassing, threatening, abusive, racist, sexist, malicious or other antisocial behavior. 6. Transmitting, downloading or accessing any obscene, pornographic or sexually explicit material or participating in any Internet/Intranet forums dealing with same. 7. Non-company commercial purposes. 8. Transmission of any material on behalf of a third party without prior management authorization. 9. Copying or transmitting copyrighted material in violation of copyright laws. 10. Knowingly propagating disabling devices. 11. Unauthorized commitment for service that requires subsequent payment. Prior approval and funding must be obtained before such services may be used. 17. OTHER TECHNOLOGIES Texting Solution: SMS RAH to 123411: Allows the public to access our listing using texting technologies. Sign riders are available to display the access information. GPS Solutions: Smart Application – Homeroamer: Smart application that showcases all of our listings using GPS enabled technology. 18. EMAIL AND CELL PHONE EXPENSES Sales Representatives and Brokers are solely responsible for their monthly communication and cell phone fees. I f a problem with your system arises (including any billing problems) it is the sales representative's responsibility to contact their service provider directly to correct the problem. 19. PERSONNEL RECORDS Government regulations dictate that the company keep an up to date personnel file on each salaried and commissioned individual working for the company. Therefore, please ensure that any changes in your home address and/or contact information be reported to the branch office administrator. Changes of address and name changes must also be reported to RECO and the Real Estate Board in a timely manner. 20. BUSINESS CARDS All business card design must be approved by management prior to printing and paid for by Sales Representatives. See your orientation package for contact info for preferred printing suppliers or access the intranet site for examples. 21. SIGNS & STYLE GUIDE Please visit the Purple Connection to retrieve a copy of the RAH style guide with relevant information pertaining to branding and logo usage. The list below is showing some of our more commonly used sign and printing providers. SV Signs 416.720.4625 Nasi Signs in the Making 416.406.0002 Durham Signs 289.240.0988 Centre Core Signs 905.693.8900 22. STRATEGIC PARTNERS AMG Campbell TruPlan Home Roamer Agents Equity Legal Counsel 905.284.0194 905.887.5557 416.573.2096 416.345.9441 416.483.0483 416.482.1902 Coady MacDonell Alain Lambert Berju Vyas Wayne Twaits Joe Johnston John Poletes See the RAH Intranet site for further updates. CONFIDENTIAL - 5 – Copyright© 2012 23. VACATION COVERAGE As per RECO, a Salesperson that is away or unavailable for an extended period of time, must ensure that they organize appropriate coverage and notify the appointment desk and branch administrator. Should the salesperson fail to provide coverage, the manager reserves the right to choose another Salesperson to handle any business and will unilaterally decide the referral fee payable to the substitute salesperson. 24. REFERRALS Every effort will be made to match the client's needs to the right sales representative. As referrals are received at the office, they will go the Manager. The Manager shall decide the best fit for salesperson meeting the client’s needs. 25. COMMERCIAL/INDUSTRIAL PROPERTIES Salesperson should not participate in deals involving commercial or industrial properties unless previously approved by their branch manager. Such approval will only be given once the salesperson satisfies the manager that they have the required commercial/industrial expertise and/or are partnered with an agent that does 26. ENQUIRIES - TELEPHONE OR EMAIL PROSPECTS The office and call centre staff will follow this procedure when handling prospect calls: 1) Ad Calls - Ad calls go to the salesperson advertising the property only. Sign Calls - Sign calls go to the listing salesperson only. 2) Calls from other sales representatives - These calls are given to the Listing Sales Representative first. I f they are not available, the call will be given to the representative covering absence. Failing that, the call will be given to the Manager. 3) Wanting to list – Caller will be asked whether they have a particular sales representative in mind. I f not, the call goes to the Manager on duty. 4) Wanting to buy - (Other than sign or ad calls). Caller will be asked whether they have a particular sales representative in mind. I f not, the call goes to the Manager on duty. When a caller requests a specific sales representative, the call goes only to that person. I f the sales representative is not available, the call is then transferred to the sales representative's voicemail. 27. DIRECT-MAIL INQUIRIES The Manager will refer a direct-mail inquiry to a sales representative. If the inquiry is from the client of a particular sales representative, it will be given to that sales representative to handle. 28. EMAIL INQUIRIES Unless the email is directed to a particular sales representative, any emailed inquiries or leads will be passed on to the Manager. 29. FARM AREA POLICY Right at Home Realty has no protected "farm areas". When an area is "farmed" on an individual basis, calls go to the sales representative ONLY if the caller has specifically asked for that person. 30. EMAIL COMMUNICATIONS Sales Representatives must provide their current email address to Right At Home Realty and should check their emails several times daily. All company updates, news, policy changes and general communications to sales representatives is via email and/or the Company intranet. CONFIDENTIAL - 6 – Copyright© 2012 31. ANNUAL SALES AWARDS Our annual sales award winners are announced in February of the preceding year; TOP TEN CLUB: Recognizes the top 10 RAH sales, in the calendar year, based on closed & collected unit sales and excluding leases. FOUNDER’S CLUB: Recognizes individuals who have achieved the Top 10 designation for two consecutive years, in the calendar year, based on closed and collected unit sales and excluding leases. CHAIRMAN’S CLUB: Recognizes the top 3% of RAH sales, in the calendar year, based on closed & collected unit sales and excluding leases. PRESIDENT’S CLUB: Recognizes the top 7% of RAH sales, in the calendar year, based on closed & collected unit sales and excluding leases. DIRECTOR’S CLUB: Recognizes the top 10% of RAH sales, in the calendar year, based on closed & collected unit sales and excluding leases. Any salesperson joining during the calendar year can be credited for their unit sales from the previous employer and if eligible will receive a “Designate” award. The salesperson must provide proof of activity either by trade record sheets or a monthly statement showing income. All award recipients will be posted on the award website page by the end of March of the following year. The salesperson can publish the award on their business cards, but they must include, as per RECO, the year the award was attained. 32. APPLICABLE FEES PAID BY SALESPEOPLE All agents pay $79 plus HST per month. The payments are taken out quarterly from their accounts via debit. The quarterly payments are pre-paid and due on January 1st, April 1st, July 1st and October 1st, if the date lands on a statutory holiday then it will be processed on the following business day. EXCEPTION IN JANUARY: Prepayment of annual monthly fees paid in full during the month of January will result in the salesperson saving one month’s fee. The cost to the salesperson would be $869 plus HST instead of $948 plus HST. NOTE: If the salesperson resigns from RAH, during the calendar year and they have taken the January exception payment method – there will be no refund. 32.1 RESALE TRANSACTIONS: All agents pay $275 per transaction. Here is a breakdown of some variations on the rule: Agent double end - If a Salesperson lists and sells a property, there is only one transaction fee of $275 plus HST. Office double end - If RAH Salesperson “A” lists a property and RAH Salesperson “B” sells the property, then both “A” and “B” pay a fee of $275 plus HST. If RAH Salesperson “A” and RAH Salesperson “B” list a property and different brokerage sells the property. Then there must be one RAH salesperson as the PRIMARY. So A pays $275 plus HST and B (plus any other RAH agent involved on the CONFIDENTIAL - 7 – Copyright© 2012 deal) each pays a referral fee of $100 plus HST. This rule would apply when multiple RAH salespeople are involved on the co-operating side of the transaction. If two or more salespeople sell a property and wish to split the $275 plus HST and the $100 plus HST per agent referral fee, as long as they clearly specify the division of the fees on the “Agent File Checklist”, the fees will be split accordingly. If a Salesperson lists a rental property and also leases it (double-end), the salesperson pays a minimum referral fee of $100 plus HST or 10% plus HST of the commission up to a maximum of $275, on both sides of the transaction. 32.2 TEAMS OR PARTNERSHIPS Right At Home Realty provides no special arrangements for teams or partnerships. Where there is more than one Salesperson on a transaction-the lead Salesperson will be charged $275+ HST and each additional Salesperson on the sale will be charged $100 + HST. The fees will be calculated as displayed and paid out as stipulated on the “Agent File Checklist”. Any arrangement with another salesperson should always be in writing, as unwritten agreements or arrangements are impossible to mediate. 32.3 RENTAL TRANSACTIONS: The salesperson pays the greater fee of $100 plus HST or 10% plus HST up to maximum of $275 plus HST for the first 10 rentals during any calendar year. Discussion is currently underway to set a policy regarding fees for if an agent exceeds 10 rental deals per year. 32.4 ADMINISTRATIVE FEES: Late payment on the Quarterly Fees: $25 if the payment is not received within 3 business days of the due date. After 7 business days of non-payment, RAH reserves the right to terminate. NSF: $25 processing charge for all cheque processed as Not Sufficient Funds. There is no $50 marketing fee charged to the co-operating broker when it is a RAH listing. 32.5 NEW DEVELOPMENTS: In a typical New Development or Condominium transaction, there are usually 3 to 4 phases for the payment. The following is a breakdown on how a 3 phase payout would be handled: Phase 1: the initial phase will result in the salesperson pays a typical transaction fee of $275 plus HST. Phase 2: the salesperson pays $50 plus HST for the processing of the sub-trade. Phase 3 or any additional phases: the salesperson pays $50 plus HST for the processing of the sub-trade. We pay builder commission to RAH agents upon signing indemnity. If agent is no longer with RAH then we hold commission till final payment comes in from builder then we pay the agent. 32.6 DEFERMENT OF FEES Under no circumstances will monthly or quarterly fees be deferred. 32.7 PERSONAL TRANSACTIONS: All personal transactions by salespersons are subject to the $275 plus HST fee. No exceptions. CONFIDENTIAL - 8 – Copyright© 2012 33. MLS FEES, TREB FEES Fees are the responsibility of the Agent and must be paid promptly when due. 33. COMMISSION When acting for the seller, the sales representative keeps 100% of their commission earned. However, they are not permitted to advertise a discounted cooperating broker commission rate – commission rate must be at the prevailing market rate (currently 2.5%) 33.1 COMMISSION/SALE PRICE REDUCTION Due to increased Revenue Canada focus on potential tax avoidance and mortgage fraud schemes, the practice of a sales representative, when a party to a sale/purchase agreement (either directly or indirectly), reducing or waiving commission in exchange for a reduction of the sale/purchase price of the property will no longer be supported by Right At Home Realty, unless the adjustment is negotiated prior to the firming of the transaction or an amendment has been produced. RAH will no longer issue letters approving such practises. If a salesperson, on either side of the transaction, engages in this practise, the proposed reductions in commission and sales price must be reflected in either the Agreement of Purchase/Sale or an Amendment. 33.2 COMMISSION PAYROLL: Salesperson’s emailed commission notices are issued every Tuesday and Thursday, with the exception of holidays. The funds must in the accounting department before12 P.M. on either Tuesday or Thursday for the salesperson to be paid. If a cheque is received after 12 PM, then the commission will be paid in the following pay run. All commission payments are processed through Electronic Funds Transfer (EFT). Should a salesperson request a physical cheque then there is a $25 charge for each cheque issued. The EFT commissions will arrive in the salesperson’s bank account the following day with time dependent upon the financial institution processing the transfer. The Company assumes no responsibility for banking system delays. 33.3 COMMISSION ADVANCES Sales representatives may request advance payment on pending firm trades. All advance cheques are processed exclusively through Agent’s Equity. Sales Representatives are permitted to borrow up to 80% of their portion of their commission. There is a $25 administration fee to RAH, and interest is charged on the advance (interest works out currently to approximately $.70/$1000/day – subject to changing market conditions). Any sales representative interested in taking a commission advance should contact Agent’s Equity directly at (416) 483-0483. 33.4 REBATE PAYMENTS TO CLIENTS Due to rising concerns related to rebates payments to purchasers after the firming of a transaction, Right At Home Realty will not process rebate payments to clients. Should you wish to make direct payments to clients you are able to do so. There is no tax advantage to the salesperson for the company to make such payments as the salesperson would still receive a T4A for full amount of the commission. The issue arises over the possibility of the brokerage and the salesperson inadvertently being complicit in tax evasion or mortgage fraud. This policy is also consistent with other reputable brokerages within the industry. 34. COMPLAINTS WITH OTHER BROKERAGES In the case of a dispute with a non-RAH sales representative or commission payment from another brokerage, first attempt to resolve the matter directly, but should still be reported by email to the Manager. Should this fail, contact your Branch Manager who will help guide you through either addressing the complaint in writing to the Professional Standards Committee at the Toronto Real Estate Board or by pursuing collection of commission through our recommended litigation lawyer at your expense. Our lawyer is available to meet with you, prepare a demand letter, Statement of Claim for Small Claims Court. His CONFIDENTIAL - 9 – Copyright© 2012 contact info is; John Poletes (416) 482-1902, email [email protected] 35. RECO VIOLATIONS All RECO violations will be handled by Harry Perlis, LL.B of Mitchell, Bardyn and Zalucky. Mr. Perlis is recognized as one of the foremost experts both within the industry and from RECO’s perspective in RECO based violations and claims. Mr. Perlis has a very successful track record when he has been involved in RECO cases over the years. All RECO matters that involve Right At Home Realty will be directed to Mr. Perlis for either consultation and/or representation. The scope and level of participation will be up to the discretion of each individual respondent. The services of Mr. Perlis are solely the responsibility of each respondent. Harry Perlis can be contacted at 416.234.9111 ext. 233 or [email protected] Mr. Perlis will also conducts educational sessions on how to avoid being on the receiving end of a RECO or litigation suit. For dates and times of these sessions, please check the RAH Intranet site. 36. DEAL PROCESSING: 36.1 NEW DEALS Upon any successful sale of a transaction (whether firm or conditional), a package should immediately be sent to the Deals Administration for processing. Each new deal must have the following attached in order to be processed: A Deal Check List - filled in completely and signed; A legible copy of the Agreement of Purchase and Sale, Waiver, Amendments, etc.; A copy of the Confirmation of Representation; A copy of the Working with Realtor acknowledgement form; A copy of the SPIS for the property (if applicable); A copy of the Buyer Representation Agreement (if applicable); The deposit cheque (if applicable) or receipt of deposit. Individual Identification Information Record Receipt of Funds Record Payment of commission will be withheld until all required documentation has been received. 36.2 DEPOSIT CHEQUES A l l deposits shall be in the form of currently dated, negotiable cheques or bank drafts – cash will not be accepted. (See the money Laundering section of this policy manual.) Under no circumstances will the firm accept a post-dated cheque as a deposit. (The company may be held liable by the seller for a non-negotiable cheque). By law, all deposit cheques are to be deposited within five (5) days of acceptance of an Agreement of Purchase and Sale. Where possible, deposits should be certified. Should a Buyer request interest on their deposit, an interest bearing account clause must be placed in the original Agreement and a Social Insurance Number must accompany the deposit cheque. No deposit will be placed into an interest-bearing account without the submission of a SIN. Deposit cheques must be delivered to the nearest RAH branch for deposit. The deposit with an offer from a buyer must be exactly as spelled out in the offer – no exceptions. The deposit cheque should be made payable to the Listing Brokerage and given to the sales representative. CONFIDENTIAL - 10 – Copyright© 2012 36.3 BALANCE OF COMMISSION CHEQUES As the selling brokerage, the purchaser’s solicitor is required to deliver the balance of commission cheque to our office within 10 days of a closing. As the buying brokerage, payment is received from the Selling brokerage and not the purchaser’s solicitor. I n this case, it may take up to two weeks to receive a balance of commission cheque. The office will call on any overdue balance of commission payments, however, ultimately i t is the sales representative's responsibility to follow-up and collect any overdue accounts. 36.4 RETURN OF DEPOSIT On a failed Agreement of Purchase and Sale, the deposit will be returned only in accordance with the terms of the trust. Therefore, Right at Home Realty will only disburse the deposit in two circumstances: 1. In accordance with a Mutual Release being signed by all parties to the Agreement, including Buyer, Seller and both Brokerages involved in the transaction, specifically naming the payee. 2. Upon receipt of a direction from the Court. When a signed Mutual Release is received in the administration office, a copy will be forwarded to the appropriate solicitor for processing, and the deal will be reported as "Deal Fell Through" on the MLS System. Please note that if the original deposit cheque was not certified when placed in our trust account, we WILL NOT release the deposit back to the Buyer until 10 FULL BANKING DAYS have passed, in order to ensure that the cheque has cleared our account. The only exception to this rule will be if the Buyer provides a letter from the bank manager verifying that the funds have cleared their account. Deposits will be released to the person(s) who issued the original cheque, unless otherwise stated on the release. 36.5 OFFERS IN WRITING Under no circumstances shall a fully executed original Agreement be presented hand written. Changes to original document may be made by hand and initialed by all parties. Hand writing may cause interpretation of intent issues and misunderstanding through lack of clarity at time of signing. Most currently available version of all documentation must be used – which is available on the Company intranet site. 36.6 DEAL FILES The content of each and every deal file is the sole property of the company, and absolutely no portion of any file is to be removed from the office without the specific permission of Management. 36.7 QUESTIONS OR CONCERNS REGARDING ACCOUNTING OR COMMISSION PROCEDURES Any questions or concerns regarding your commission account, cheques, trade record sheets, or any deal processing issues should be directed to the administration and accounting office @ 416.391.3232. – failing resolution, the Branch Manager should be contacted. 37. LISTING PROCEDURES INFORMATION NECESSARY Required information when obtain a new listing: 1. Approximate age of the property 2. Price the owner paid and when they purchased 3. Legal description 4 . Facts on any previous attempts to sell CONFIDENTIAL - 11 – Copyright© 2012 5. Comparable sales and listings 6. Marketing plan 37.1 KNOW YOUR SELLER Sales Representatives should always ask the owner's reason for selling. They may be desirous of making a profit; be leaving the city; be in difficult financial circumstances; etc. Such information sometimes makes valuable sales talk that is very helpful in convincing prospects. Verify if spousal consent is required. I t also gives the sales representative a definite idea as to the urgency of the proposition and the firmness of the price. This information must remain private and confidential. 37.2 FINTRAC As a real estate sales representative, you must keep a client information record for every purchase or sale of real estate. The client information record sets out the client's name and address, and the nature of the client's principal business or occupation. If the client is an individual, the client information record also has to include the individual's date of birth. If there is more than one individual purchasing or selling, you have to keep a client information record about each individual. 37.3 MORTGAGE ARRANGEMENTS Sales representatives should always inquire whether sellers carry first or second mortgages on the property. Where there is an existing mortgage, it is a good business practice to verify all information through the Lender, as sellers often forget pertinent details. Be sure to establish that the mortgage can be assumed and determine the cost of the discharge. 37.4 ESTABLISHING A LISTING PRICE Nothing helps more in starting a deal right than agreeing on a fair and reasonable price. A sales representative should always aim at listing at a saleable price. A poor listing is a liability, while a saleable listing is an asset. Sales representatives should think very carefully before taking a listing at too high a price unless the seller has a compelling reason for selling, in which case the sellers may be induced to bring the price into line after a reasonable time of conscientious servicing. 37.5 TIME LIMITATIONS Sales representatives should always ask for a listing for a minimum of 60 days on residential properties. When listing lots or commercial properties, all listings should be taken for a longer period of time. I f a listing is for a period of more than 6 months, the Seller must initial the term. 37.6 VIEWING In order to live up to our pledge of rendering the best possible service to the public desiring to dispose of the property with our assistance, and also to protect our interests, the viewing of the property by the listing salesperson is a must. 37.7 SERVICING LISTINGS A listing sales representative is required to make regular written reports to the seller, at the very least on a weekly basis. This regular contact with the property owner will assist in the marketing of the property, encourage the possibility of a price reduction and will increase the possibilities of obtaining an extension of the listing term. The listing sales representative should request an extension during the week prior to expiry. 37.8 EXPIRED LISTINGS The listing sales representative must ensure all listing extensions are entered into the computer BEFORE their expiry date. The "Amendment to Listing" form must be properly completed and signed by the Seller(s). A Land Registry search should be done prior to CONFIDENTIAL - 12 – Copyright© 2012 listing to confirm ownership, list complete first and last names on the contract and listing documentation. 37.9 LISTING WITHDRAWALS/CANCELLATIONS Listings cannot be withdrawn from the MLS System without the signature of the Manager/Broker. I f an occasion arises whereby a client wishes to terminate a listing due to a legitimate complaint with the Listing Sales representative, then Management will listen to both parties and make a decision after reviewing all the facts. At all times Management reserves their right to cancel a listing if its retention would be detrimental to the company. 38. COOPERATION WITH OTHER BROKERAGES It is a general rule that Right at Home Realty will cooperate on all exclusive listings with other Realty companies unless the Seller requests that we do not cooperate. The commission payable to other brokerages is 50% of the total commission collected.. Sales Representatives at Right At Home Realty are afforded the luxury of setting their own commission rates, particularly for listing portion of commission. It is highly recommended that the selling portion of any listing not be below current comparable rates in local market. 39. SIGN POLICY Persons placing signs on properties must, upon completion of the sale of the property or expiry of the listing, pick up the signs and standards. Signs must be placed on private property, not municipal property or boulevards. A "Sold" marker must be put on a property that has been sold immediately, and the sales representative closing the deal is responsible to see that one is placed. All signs must be removed from the property at the expiry of the listing or, in the case of a sale, prior to closing. Since our signs represent our office, they must be inspected regularly and kept clean and upright. Signs can be ordered through the sign provider at the appropriate expense to the sales representative. I t is the sales representative's responsibility to have signs placed on their own listings. The office does not store signs. 40. KEYS AND LOCK BOXES It is important to maintain an accurate control of keys entrusted to your care. As most seller's grant permission for the use of lock boxes, it is important that they understand the risks involved, which should be reviewed at the time of the taking the listing. Lock box codes should be changed on a regular basis to ensure security. A lock box code must NEVER be given to any salesperson calling in over the phone. Lock box codes will be communicated through the showing salesperson's office only. 41. MULTIPLE LISTING SYSTEM Each sales representative must be conversant with the rules and regulations covering Multiple Listings system. There is a penalty for not reporting to the board the taking, selling, or termination of a MLS. 42. OFFICE PROCEDURE WHEN SUBMITTING A NEW LISTING All listings are broker loaded by sales representatives, then sent to office for processing as soon as the listing file is complete. There are to be no private listings or information pertaining thereto withheld by any sales representatives. The sales representative is obligated to service the listing by keeping the information current, and being in constant contact with the property owner in an effort to effect maximum service. The office requires a FULL AND COMPLETE FILE on every listing within the office. Any changes made to the listing must be accompanied by the necessary paperwork for the office file. As with the deal files, every sales representative should keep his/her own copy of all related paperwork. Office copies of the listing file are the property of Right at Home Realty and CONFIDENTIAL - 13 – Copyright© 2012 must not be removed from the office. When handing in a new listing in person, please keep in mind what time the office will be closing on that particular day, and make sure you leave enough time for the staff to process your listing prior to that time. 42.1 Salesperson-Loaded Listings - Each salesperson has been given the ability of broker loading and maintaining their own personal listings. However - the salesperson must provide the same mandatory paperwork to the admin staff immediately after loading their listings, as well as a copy of the MLS printout showing the MLS number. It is mandatory that you provide paperwork to the admin staff. Any price changes, extensions, etc. to a listing must be accompanied by the appropriate paperwork and sent to the admin staff immediately in order to keep the system records accurate and the listing files complete as per RECO regulations. 42.2 EXTENSIONS AND PRICE CHANGES TO LISTINGS When extending the term or changing the price of a listing, an Amendment to the Listing Agreement form must be filled out and signed by the Seller. An extension must be processed prior to the recorded expiry date. After this date, the listing must be processed as a new listing. Copies of any Amendment to the Listing Agreements must be submitted to the admin staff. 42.3 SOLD LISTINGS When a property is sold firm, the listing file is withdrawn and is combined with the sold file, into which are placed all the papers in connection with the sale. The sale is reported to the Real Estate Board and The Right at Home Corporate site. When a listing sells (conditionally or otherwise) please provide the necessary information to report the sale. For a conditional sale, please provide the condition, the date the condition expires, and the closing date to the Real Estate Board. For a firm sale, please provide the sale price, the date of closing, and the name of the outside brokerage's company and sale representative along with lawyer information. When the deal has closed, this folder is placed among the completed files for permanent reference. During the time that the sale is pending, the file is kept in the administration office. 42.4 PROPERTY PHOTOS Property photos for new listings should be sent in at the time of processing a new listing. These photos can be uploaded or they can be emailed to the real estate board. 42.5 ADVERTISING POLICY In preparing ad copy, sales representatives shall be permitted a certain latitude on individualizing ads, but the Management reserves the right to amend or change any ad that it feels does not conform to the style ordinarily preferred by them. Ads are not to be run on open listings. At no time is commission advertising permitted. 42.6 ALL ADS AND PROMOTIONAL MATERIAL ARE SUBJECT TO THE MANAGER 'S APPROVAL. Personal advertising may include verifiable statements about being a member of the "top 10" etc, but cannot make statements that would be detrimental to fellow sales staff, such as " I am the top sales representative at Right at Home”. These “award” statements must also include the year the awards were attained. See attached bulletin and check-list from RECO. 42.7 OPEN LISTINGS Open listings are not acceptable. However, if a salesperson knows of a property that another salesperson may have a buyer for, he/she must get at least a 24-hour listing, or a written agreement to pay commission to cover that showing in order for the Listing Salesperson to get any commission on an eventual sale. CONFIDENTIAL - 14 – Copyright© 2012 43. PRESENTING OFFERS An Offer may only be treated as an Offer after it has been signed by the prospective buyer. I f an Offer has been prepared but not signed, it is not an Offer. When an Offer is signed, the sales representative shall immediately contact the listing sales representative to arrange the earliest convenient time to present the Offer. I n the event that the selling brokerage is unable to contact the listing brokerage or his authorized representative within a reasonable period of time, he may inform the seller of the existence of the signed Offer. This step should only be used as a last resort, for instance, if the irrevocable on the offer is going to expire. I f at all possible, discuss the circumstances with your broker of record before taking the step of contacting another brokerage's seller directly. All sales representatives bringing Offers on the property must be informed of the existence of other Offers, whether it is the listing sales representative that has the Offer or another sales representative. Sales representatives must not discuss each other's Offer, but simply agree to present them consecutively. In the event one sales representative has a signed Offer and has an appointment to present it and then finds out that a second Offer is being prepared, the Right at Home Realty sales person shall inform the seller that they have heard that such a second offer is being prepared, however, it is not signed, and at times buyers have changed their minds. Explain the seller's options to them based on the irrevocable time and let the seller decide what they will do. DO NOT PUSH. If the second Offer is not imminent, they can always work with the first offer and then LOOK at the second offer conditional on the first offer not being completed. (Refer to your local Real Estate Board MLS Rules & Regulations Section pertaining to Submission of Offers). At NO TIME do you tell the seller that you have an Offer UNLESS you have a SIGNED Offer. I f any doubt or conflict of interest by any salesperson arises - inform the Manager immediately. 43.1 OFFERS FROM OTHER FIRMS Sales representatives should provide to sales representatives of other firms all reasonable assistance in getting Offers presented. Offers from other firms on our listings must go through the listing sales representative. 43.2 OFFERS ON OTHER FIRMS' LISTINGS Sales representatives must never present an Offer to the owner of another firm's listing without written permission from the listing agent. Such offers must be channeled through the Manager of the listing sales representative’s Brokerage. Should the offer be accepted, a copy of the accepted offer and a receipt from the listing brokerage for the deposit must be obtained for our records - along with a photocopy of the cheque. 44. MULTIPLE OFFERS While multiple Offer situations are the seller's best friend, they can be very painful to the would-be buyers and for sales representatives who fall to follow proper procedures. As long as all parties are operating on an equal playing field throughout the offer process, nobody will have any valid grounds for a complaint. The whole issue of disclosure and representation further complicates multiple offer situations. I t is critical that you tailor your approach to fit the representation relationships you have established with the participants. 44.1 MULTIPLE OFFERS AND THE SELLER Preparation is important: to success in any activity. If you are taking a well-priced listing in a hot market, you may want to prepare your seller for the possibility of multiple offers. Point out to them that they will have several options if they receive more than one offer. They can: 1) Accept one and reject the others. The benefit is that the seller has sold the property; the cost is the lost opportunity to try for a better deal. Sign one back and reject the others. The benefit is that the seller may negotiate a better result with CONFIDENTIAL - 15 – Copyright© 2012 the buyer receiving the sign-back; the cost is the lost opportunity to get better offers from the other buyers. 2) Reject all offers, sending them back to the buyers for improvement. The benefit is keeping all Buyers in play; the cost or risk is that all buyers may not return, or that the buyer who made the best initial offer may not return. 3) Sign one back and hold onto the other offers pending a response from the buyer getting a sign-back, the benefit is keeping all buyers in play; the risk is that the buyer receiving the sign-back won't respond and the other buyers will simply let their offers die. 4) Hold on to one or more of the offers while sending the other offer(s) back to the buyers for improvement. The benefit is keeping the most appealing offer in your hands; the risk is losing the other buyers and not being able to reach a firm agreement with the buyer whose offer you held onto. Point out to your seller that in multiple offer situations, it is the industry rule to keep details of each bidder's offer a secret from the other bidders. In fact, your seller can instruct you that they want the essential terms of each offer revealed to the other bidders. While you are required to abide by your client's lawful instructions, it may be wise to discourage your seller from establishing the "ground rules". Because it isn't common practice, and because it would have to be disclosed to the cooperating salesperson and their buyers, it may cause one or more of the bidders to withdraw from the process. I f your seller still wishes to set the ground rules, get it in writing. By providing your seller with this information, you enable them to make an informed decision from all available choices if and when the multiple offer situation arises. 44.2 MULTIPLE OFFERS AND THE BUYER In a "seller's market", you may wish to prepare your buyers for the possibility of finding their dream home, only to find themselves in a bidding war. Point out to your buyer the five possible choices (noted above) that a seller can make when presented with two or more offers. Your buyers may simply decide that they will not enter a multiple offer process. You will want to indicate to such buyers that, in a hot market, they may find that every good property is attracting more than one offer. I t is in their best interests not to rule out homes that attract more than one offer. Discuss with the buyer their options when participating in a multiple offer situation: Seller accepts your offer Seller signs back your offer - accept the sign-back, ensuring that you have bought the property, but losing the opportunity to negotiate a better deal. Sign back the Seller's sign-back - keeps open the possibility of negotiating better terms, but runs the risk of re-opening the table for other buyers. Withdraw from the bidding - the benefit is in avoiding a bidding war; the cost is the lost opportunity to buy the property on acceptable terms. Advise your buyer that if they are likely to become involved in a multiple offer situation, they should be readily available on offer-presentation day to respond quickly in the event that the seller signs their offer back or sends all offers back for improvement. When buyers know they are entering a multiple offer situation, you could recommend the buyer get pre-approved from a financial institution and a professional inspection report prior to the presentation of their offer. That way they can go to the table with a good idea of the property's strengths and weaknesses, while avoiding the need for a dealkilling inspection condition. CONFIDENTIAL - 16 – Copyright© 2012 Warn your buyers that the standard practice in multiple offer situations is for the listing brokerage find the sellers to conduct a "blind" bidding process; your buyer will never know what the other offers were. If your buyer is successful, he/she will never know how much more he/she offered than the next best offer. 44.3 CONDUCTING MULTIPLE OFFER PRESENTATIONS It is the obligation of the listing brokerage, through its sales representative, to ensure that the presentation process is fair to all parties. By following a few simple rules, the duty of fairness can be met, while ensuring that the seller's interests are fully protected. RULES: Inform salespeople who have registered offers immediately upon receiving word that another offer has been registered. Salespeople and buyers with offers on your listing have a right to know how many competitors they have for the property. If necessary, seek your seller's instruction to delay offer presentations if a salesperson calls to indicate that they are in the process of preparing an offer but won't have it ready for the scheduled presentation time. I t is in your seller's best interests, to provide sufficient time to all interested parties to get to the table with their offers. At the offer presentation, it is considered proper etiquette to present the offers in order of their registration if possible. Make sure that the salespeople waiting to present their offers are situated far enough away from the room in which the presentations are being made to ensure that they will not be able to overhear the conversation. Once all the offers are presented and your seller has decided on a response, inform each of the salespeople with competing offers of your seller's decision. If you or another salesperson with your firm has one or more of the competing offers, make sure that salespeople from other firms are aware of that fact. If your seller chooses to sign back one of the offers, and the buyer who receives the signback comes back with a sign-back of their own, the seller has the opportunity to reopen the bidding to other parties. Point this out to your seller if the situation arises, and get your seller's instructions. They can choose to proceed with negotiations with the buyer in signback, or they can invite other bidders back to the table. If the Seller chooses to sign back or accept a second offer conditional upon their first sign-back not being accepted, make sure that you insert the proper condition in the second offer. Your seller does not want to be in the position of having sold the property twice! Commission reductions can be offered when dealing with a multiple offer situation as long as the amount of the reduction is disclosed to all other salespeople. 44.4 DUAL REPRESENTATION AND MULTIPLE OFFERS It is conceivable that you or another salesperson in your firm will be working with a buyer who is interested in competing with other bidders for a property listed with our firm. This is of course Dual Representation. Before you proceed, you must do the following: You must fully explain the limitations of dual representation to both the seller and buyer and get their informed consent to your acting as a dual salesperson. Without the consent of both, you cannot proceed. Remember, the brokerage enters into the contract with the client, not with the individual salesperson. The same rules apply whether you personally bring both clients to your firm or you and another salesperson with your firm bringing them in separately. You must advise the salespeople with competing offers that you (or another salesperson in your company) have an offer from a buyer. You must advise your buyer and your seller that your buyer will not get special treatment in the negotiating process, because you have a duty to ensure that there is a level playing field for all participants. A registrant shall not represent more than one client in respect of the same trade in real estate unless all of the clients represented by the registrant in respect of that trade consent in writing. CONFIDENTIAL - 17 – Copyright© 2012 45. RECOMMENDING SOLICITORS It is not a good or ethical practice to direct customers to a certain solicitor. The solicitor who has previously acted for the customer in question will quite certainly not appreciate our interference in causing his client to change solicitors. I f the customer asks for your advice, however, or has had no previous dealings with any lawyer, it is permissible to suggest some names. The firm, however, strongly advises that at least three names be given. Sales representatives are also advised to avoid quoting solicitors' fees to their customers, as these vary considerably. 46. DISPOSITION OF ACCEPTED OFFERS The Real Estate and Business Broker's Act requires that a signed copy of the accepted offer be delivered forthwith to each party who has signed the contract. Our office must have an original copy of any signed offer for our office files. 47. COMMISSION ISSUES You cannot ask for more commission than is offered by the listing brokerage by way of the Confirmation of Co-Operation and Representation form. You cannot negotiate commission during the presentation of a competing offer, or can it be part of the Agreement of Purchase and Sale. You cannot involve the seller or buyer in any commission negotiations between the listing and selling representatives. You can only negotiate increased commission between the listing sales representative and selling representative, and this must be done prior to obtaining an offer. 48. COLLECTION, USE AND DISTRIBUTION OF PERSONAL INFORMATION a) Only the information necessary to facilitate the real estate transaction or otherwise provide professional and competent service to clients and customers will be collected; b) No personal information shall be collected from an individual without first obtaining the consent of the individual to the collection, use and dissemination of that Information; Express consent (whether oral or written) must always be obtained except in the following situation: a) Consent may be implied where the information is not sensitive and where it can be reasonably assumed that the individual would expect the information to be disclosed in this fashion. b ) Once information is collected, it will be used and disclosed only for the purposes approved by the individual. c) All representation agreements must include the approved privacy clauses. 49. DISCLOSURE FOR A NEW PURPOSE a) Anyone using personal information for some new purpose that extends beyond the consent already provided must obtain the express consent of the person for that use. b) Requests for information from law enforcement officials, lawyers, private investigators, or other salespersons or subpoenas for documents issued by the court must be referred to the privacy officer/office manager or brokerage/salesperson as appropriate. PROTECTING INFORMATION must be protected in a manner commensurate with its sensitivity, value and criticality. This policy applies regardless of the media on which information is stored, the location where the information stored, the systems used to process the information, or the processes by which information is handled. 50. COMPLIANCE a ) Any complaints from an individual concerning the collection, use or disclosure of their personal information or concerning the individual's ability t o access their personal information must be referred to the privacy compliance officer, who will attempt t o CONFIDENTIAL - 18 – Copyright© 2012 resolve the complaint to the individual's satisfaction. b) In the event the complaint cannot be resolved internally to the individual's satisfaction, he or she w i l l be advised of where to direct the complaint. 51. BUYING FOR YOUR OWN ACCOUNT This firm does not encourage its sales representatives to become involved in the business of buying and selling real estate for their own account. Our primary function is to serve both buyers and sellers by bringing them together. Recognizing, however, that in certain circumstances it can perform a valuable service or the seller of a property, the firm does not prohibit purchases by its sales staff. However, all such purchases must be discussed with Management, and no property listed with this firm may be purchased without the express consent of Management and proper disclosure. 52. OBLIGATIONS UNDER THE REAL ESTATE AND BUSINESS BROKER'S ACT “Unless the registrant first delivers to all other parties to the agreement a written statement that he, she or it is a brokerage, broker or salesperson, as the case may be, and the other parties have acknowledged receipt of the statement in writing, no registrant shall, either directly or indirectly, (a) purchase, lease, exchange or otherwise acquire for himself, herself, or itself, any interest in real estate or make an offer to do so; or (b) divest himself, herself, or itself of any interest in real estate, or make an offer to do so." (Section 32 of the Rea! Estate and Business Broker's Act, 2002) Where real estate transactions in which a brokerage or salesperson is required to give a statement, is listed with the brokerage or, in the case of a salesperson, is listed with the brokerage by whom the salesperson, is employed, appointed or authorized to trade In real estate, the statement shall include: a) Full disclosure of all facts within his special knowledge that affect or will affect the re sale value of the real estate, and b) The particulars of any negotiation or agreement by or on behalf of the brokerage or salesperson for the sale, exchange, lease or other disposition of any interest i n the real estate to any other person. 53. HARASSMENT POLICY: 53.1 PURPOSE The Company is committed to providing its employees and Independent Contractors with a safe work environment, which at all times is supportive of the dignity and self-esteem of the individual and which is free of harassment of any kind. Achieving this environment depends on mutual respect, co-operation and understanding between people. Attitudes and behaviors that undermine this are detrimental to all and will not be tolerated. This policy applies to all employees of the Company. This policy also applies to any independent contractor, sales representative, agent or employee of same who is granted access to the workplace. 53.2 DEFINITIONS Sexual Harassment: The Canada Labour Code defines "sexual harassment" as: any conduct, gesture or contact of a sexual nature that is likely to cause offence or humiliation to any employee; or, that might, on reasonable grounds, be perceived by that employee as placing a condition of a sexual nature on employment or on any opportunity for training or promotion" General Harassment: General Harassment is unwelcome behavior (Including comments or actions) which is perceived by the receiver as being hostile, obnoxious, or intimidating. I t Is CONFIDENTIAL - 19 – Copyright© 2012 targeted at a person or group of people because of a personal dislike or personality conflict, and not solely because of race, religion, colour, sexual orientation, or any other of the prohibited grounds. Workplace: "Workplace" is defined broadly and includes, but is not limited to, the actual work site (the office), outside the office, at office-related social functions, in the course of work assignments outside the office, at work-related conferences or training sessions, during work-related travel and over the telephone, fax, and internet/intranet. 53.3 EXAMPLES OF HARASSMENT Behavior which can constitute harassment includes, but is not limited to, the following: Physical or verbal abuse; Inappropriate comments/jokes causing embarrassment; Sexually suggestive gestures, remarks and innuendoes; Insults, jokes or slurs; Leering, staring; Inappropriate remarks about a person's physical appearance; Comments about an individual's sex life; Unwelcome touching or leering; Unnecessary physical contact; Demands or suggestions for sexual favours; Compromising invitations, propositions; Reprisal or threats of reprisal to any employee for rejecting any of the above behavior; Repeated offensive sexual flirtations; advances; propositions; The display of or circulation of any inappropriate written material or pictures. Q . H o w d o we know what constitutes sexual harassment, bad taste or just having fun? A . T h e severity and frequency of the conduct and the victim's reaction/perception. 53.4 RESPONDING TO HARASSMENT I n many cases harassment ceases as soon as the offender is told that their actions are inappropriate. I f nothing is done, it generally gets worse. I f you object to what you think is inappropriate behavior and feel you can handle this directly some suggestions are; Say in a calm, firm voice: 1 “Please stop”" or “"Stop immediately” 2 “ I don't feel this is appropriate or professional behavior" 3 " I don't appreciate hearing your comments and remarks" 4 "I find the material that you have displayed offensive" 53.5 RECOURSE If any person feels that he or she is experiencing behavior which is inappropriate, they are encouraged to advise a Manager and/or contact Human Resources. The National Director, Human Resources is the harassment officer for the company. In addition, the following National Help Line number has been set up Human Resources: 416.510.5694E If you quote "99" the call will immediately be forwarded to a Human Resources professional who will be able to assist. Although some of these calls are before and after hours, someone is often in the department and messages are checked regularly. Any such calls will be given top priority and handled with confidentiality and discretion. Human Resources will speak with the individual making the complaint and with the other parties involved. A l l formal complaints will be dealt with in strict confidence, subject to the Company's obligation to conduct thorough investigation. Employees and Independent Contractors may be assured that these sensitive matters will be handled in a timely and effective manner. CONFIDENTIAL - 20 – Copyright© 2012 53.6 RESPONSIBILITY It is the responsibility of each person to ensure that these prohibited activities do not occur. Workplace Harassment is unpleasant and intimidating. I t is essential that all employees take the necessary steps to stop harassment. Anyone who witness harassment or who becomes aware that an individual is being harassed has a responsibility to report the incident immediately to his/her supervisor or manager or to the Human Resources Department, without fear of reprisal. Managers are responsible for providing a harassmentfree work environment and, upon becoming aware that some form of harassment is occurring, for taking prompt, corrective action, in consultation with Human Resources, even if no complaint is filed. G. The Brokerage reserves the right to terminate any Salesperson upon 24 hours written notice deemed to have acted in an insulting or unprofessional manner with any other RAH Salesperson or support staff. 54. TERMINATION All terminations will be in accordance as stipulated in the Independent Contractor Agreement, along with the following: a) Any salesperson that fails to pay their RECO or Real Estate Board dues will automatically be terminated until reinstatement, b) Any salesperson that fails to pay their monthly fees to RAH will be terminated within 7 business days, unless the salesperson has receivables coming into RAH in the next 30 days. The branch manager reserves the right under certain circumstances to extend the grace period if receivables are due in 60 days. IN SUMMARY Real estate is now recognized as a true profession. At Right At Home Realty we endeavor to ensure our salespeople deliver the best level of service with integrity and trust. CONFIDENTIAL - 21 – Copyright© 2012
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