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Real Estate Services Proposal Prepared Especially for: Tom & Mary White 7 Deep Run Court Hunt Valley, MD 21030 Prepared by: Agent PMZ Real Estate 123 Main Street Hunt Valley, MD 21030 Date: September 17, 2009

September 17, 2009 Tom & Mary White 7 Deep Run Court Hunt Valley, MD 21030 Dear Tom & Mary: Thank you very much for giving me the opportunity to present the enclosed proposal for real estate services. I appreciate the time you spent with me outlining the criteria for your new home. You will receive competent and professional service when you select me and PMZ Real Estate to assist you in your search for a new home. We have assisted many families in this area in their search for their ideal home. I hope you will select me as your agent in this very important transaction. This proposal includes information on me and PMZ Real Estate that will confirm my qualifications as a buyer representative. Sincerely, Agent, REALTOR

Our Mission We will assist our clients with undivided attention, unparalleled professionalism and unsurpassed service. We will strive to earn their loyalty by having a completely satisfied client at the end of each transaction.

Our Commitment to You The name PMZ Real Estate has always been synonymous with quality service, professional integrity and successful transactions for over 40 years. In addition to assisting generations of northern Californians throughout the decades with the sale or purchase of a new home, we welcome thousands of transferees each year who now make their home here. Our record of leadership in this residential real estate market is attributed to the efforts and expertise of our outstanding sales associates and their dedication to excellence. Our sales associates are widely recognized for their skills and have earned many professional designations and received numerous honors awarded in the industry. Whether you anticipate the purchase or sale of a home, no one is more qualified to assist you through the complicated transaction than a PMZ Real Estate sales professional. This analysis is an introduction to the unparalleled services PMZ Real Estate has to offer. Your sales associate will be the person that makes it all happen, and who shares our company mission of having a satisfied customer at the end of each transaction. Michael P. Zagaris President

A Family Business Leading the Industry PMZ Real Estate was founded by Paul M. Zagaris, who started his real estate practice in 1947. Our organization is family-owned and managed. We ve evolved from a small yet powerful residential brokerage firm into the leading Real Estate firm in California's Great Central Valley and Mother Lode. We are an independent real estate firm with over 500 professional sales associates. We have residential real estate offices located in Modesto on Orangeburg Avenue, Modesto on Carpenter Road, and in the cities of Angels Camp, Ceres, Copperopolis, Gilroy, Gustine, Hilmar, Lodi, Los Banos, Manteca, Oakdale, Ripon, Riverbank, Sonora, Stockton and Turlock. PMZ Commercial Real Estate has offices in Modesto and Stockton. Our property management affiliate, Liberty Property Management is is led by Paula Zagaris and headquartered in Modesto. With sales nearing $2 billion dollars a year, PMZ Real Estate is the most successful real estate organization in Stanislaus and San Joaquin Counties. Meet the Zagaris Family Paula Zagaris, President Liberty Property Management (left) Michael P. Zagaris, President & CEO (seated) Jon Zagaris, Executive Vice President (right)

Why use PMZ? Serving the Central Valley for over 40 years PMZ Real Estate was founded by Paul M. Zagaris, who started his real estate practice in 1947. Locally owned and operated PMZ Real Estate is family-owned and managed. We've evolved from a small yet powerful residential brokerage firm into the leading Real Estate firm in California's Great Central Valley and Mother Lode. 15 convenient offices located in communities throughout the region We have residential real estate offices located in Modesto on Orangeburg Avenue, Modesto on Carpenter Road, and in the cities of Angels Camp, Ceres, Copperopolis, Gilroy, Gustine, Hilmar, Lodi, Los Banos, Manteca, Oakdale, Ripon, Riverbank, Sonora, Stockton and Turlock. More than 500 full-time, licensed Realtors Our professionals are all Realtors, licensed by the State of California. Your agent works side-by-side with the area's most experienced and successful real estate professionals. Most-visited and used regional website PMZ.com with full-time, in-house Information Technology Department PMZ Real Estate was ahead of the competition when it was the first local online site to allow unrestricted access to all the area's listings. Today, PMZ.com is the most popular site for those looking for the most up-to-date information about listings.

We're Full Service Property Management Liberty Property Management, PMZ Real Estate's property management division, manages all types of property from residential homes and apartments to office buildings and industrial complexes. Commercial, Investment and Agricultural Real Estate PMZ Commercial, Investment and Agricultural Real Estate is a leading provider of commercial, investment, and agricultural real estate services in California's Central Valley and Mother Lode areas. Custom Insurance Services You want to be sure the things you value are protected. That's why PMZ Insurance Services, an affiliated company, offers access to a wide range of coverage that's tailored to meet your unique needs. From homeowners to automobile, life and renters insurance. We've got you covered. In-house Sign Company fast response to listings & changes We understand the value of marketing your home quickly and effectively. Our inhouse sign company is able to provide your agent a wide range of custom signs to ensure maximum exposure - without waiting for a third-party company to respond to sign requests.

Why use a REALTOR? Your REALTOR can help you determine your buying power. You need to know how much house you can afford before you start the search. Your REALTOR will provide detailed information on properties that meet your criteria from the Multiple Listing Service and other information resources only available to REALTORS. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS are properly called REALTORS. REALTORS subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. They are committed to treat all parties to a transaction honestly. REALTOR business practices are monitored at local board levels. Arbitration and disciplinary systems are in place to address complaints from the public or other board members. When you find a property you like your REALTOR will help you develop an offer including the offering price and other terms. Your REALTOR will advise you about the importance of a home inspection and other inspections required by law in your area. Your REALTOR can also assist you in understanding different financing options and assist in identifying qualified lenders.

Action Plan To Find Your Home Complete the ideal home survey sheet. Complete the financial information questionnaire. Indicate criteria for community selection or specify specific communities. I will complete a mortgage qualification report and review it with you. We will review the ideal home and community criteria and reconcile that with the mortgage qualification if necessary. I will search the MLS and other sources available to me in order to prepare a list of candidate properties. I will set up appointments to see the selected homes. The remaining plan of action will depend upon our success with the initial list of candidate properties. We will either proceed to the settlement process if we find the right home during our initial search, or continue to monitor the market in the event that we were unable to find the right home from those currently available for sale.

Home Finders Profile Requirements For Your Home Purchase: Desired Area(s): Acceptable Style(s): Price Range: New or Existing: Square Feet: Lot Size: Bedrooms: Bathrooms: Features Required: Features Required: Other Requirements: Current Housing Information: Address: Phone: E-mail address: Approximate Value: Down Payment Available: Estimated Equity: Progress of Sale: Family Information: Children: Employer: Address: Employer: Address: Phone: Commute Time: Phone: Commute Time:

Why Choose Buyer Representation Until recently, real estate agents always represented the seller, not the buyer, in real estate transactions. Even that real estate agent who drove you from house to house looking at properties was not working on your behalf. By law, the agent was always required to get the highest price and best terms possible for the seller! Recent market developments have caused all this to change, as more and more real estate agents and companies are offering to represent the buyer in the real estate transaction. You can now have an agent specifically committed to representing you, from the initial selection of properties, to the contract negotiations, to the settlement table. More than one million people in the United States are licensed to sell real estate. Of those licenses, very few are Buyer Representatives. Consumer advocacy groups have endorsed such representation, and licensing laws in virtually every state are now being reformed to enable and encourage representation for the buyer. Whether you're a first time buyer or an experienced buyer, it is good to know that your real estate agent has your best interests in mind as you select a home.

Put an Experienced Buyer Representative to Work for You Property Search Your buyer representative will appraise your particular criteria for a house and neighborhood, then search for properties that fit those specifications. Your buyer representative will set appointments for showings and monitor the market as new listings become available. Market Data Market value is determined by many factors, including the availability of similar properties at competitive prices, location, condition, and most of all the price that a knowledgeable buyer is willing to pay. Your buyer representative will provide market data to help you establish an offering price. Purchase Offer There may be other considerations besides price that are equally important in structuring a purchase offer. The terms and conditions of the offer, amount of deposit and possession date are likely to be factors when an offer is made. Your buyer representative will help in your preparation of a purchase offer. Negotiating When a purchase offer is made, the sellers may be concerned with certain aspects including the ability of the purchasers to fulfill their agreement, the terms and conditions of the offer, the breakdown of closing costs between buyer and seller and even the motivations and lifestyle of the prospective new owners! Your buyer representative will help structure a negotiating strategy that will create the desired result, a new home. Handling Details A lot has to happen between signing the purchase offer and moving into a new house. Your buyer representative will attend to the details and keep you in touch with the transaction each step of the way. Sellers list their homes with real estate agents to ensure professional representation throughout the home selling process. As a buyer, you deserve the same kind of service!

RESUME Angela McKendrick Experience: 1998-Present: Real Estate Agent specializing in single family, multi-family, condominiums, and land sales. 1994-2002: Marketing Director for McCormick Company. Affiliations: Greater Baltimore Board of Realtors. Maryland Association of Realtors. National Association of Realtors. Residential Sales Council. Education: Columbia University North Carroll High School Professional Courses sponsored by the National Association of Realtors. Community: Former American Cancer Society Person of the Year. Hunt Valley Community Association. Greater Baltimore Association. Scoutmaster Troup 211. Personal: Married to Jason McKendrick. Children: David (21) and Anna (16). Hobbies: Golf and Tennis.

Customer References Sellers... Fred & Susan Fredericks 23 Elm Street (410) 822-4554 Joe & Lisa Johnson 1400 N. Timonium Road (410) 922-2222 Ron & Dawn Larkin 2311 E. Roundtop Circle (410) 444-3948 Debra Jones 433 Forest Drive (410) 231-6932 Don & Julia Smith 32 E. Running Road (410) 211-4599 Len & Hanna Leonard 443 Forest Drive (410) 343-6798 Buyers... Mark & Joan Dawson 2300 S. Timonium Road (410) 666-3033 Suzanne Swift 22 Forrest Avenue (410) 667-9888 Ron & Joan Burns 55 W. Running Road (410) 333-9843 Joe & Ann Reese 321 Pine Forest Lane (410) 222-4563 Robert Johnson 324 82nd Terrace (410) 342-6879 Jay & Sarah Volker 75 Winding Way (410) 234-1098

In Conclusion You should choose Angela McKendrick because: I will provide you with excellent service and support. I will make a market analysis of your new home. I have developed a winning search plan. I will make every effort to find your perfect home. I have the resources of PMZ Real Estate. Let s Start the Search Now!