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LISTING PACKET DOCUMENT EXPLANATION & INSTRUCTIONAL GUIDE

Thank you for the opportunity to list your property for sale. The information contained herein shows the order of the documents in this packet, includes a brief paraphrase explanation summary of each document and instructions on how to fill them out. In no way should these summaries be construed as a complete explanation and it is recommended that you take your time and read the documents carefully and/or consult with your choice of appropriate counsel. For questions please call to arrange a conference or personal appointment to discuss your questions or concerns. Our goal is your comfort in understanding the documents. The packet format will allow you to enter information in the blank fields. Upon completion, please print out all of the documents, sign and initial where applicable. (Note; the pdf format will only allow you to print this packet.) After printing and once you have thoroughly reviewed all of the documents, signed and initialed where applicable, (note the yellow highlights and flags), please send them back by one of the following methods; 1.) Preferred method

Prudential

- Scan to computer to email back: (where technology permits) Offers@PlatinumElite.com. 2.) By US Mail, FedEx or hand delivered: Prudential American Group REALTORS® c/o Platinum Elite Group 7475 W. Sahara Av., #100 Las Vegas, NV, 89117 3.) Fax: 1-702-317-3424 Upon our receipt, the documents will be reviewed for accuracy. After any required corrections the packet will be submitted for processing in preparation for getting your property marketed accordingly. You will start by; 1.) Entering information into the 2 page "Statement of Information" form, which directly follows this guide. The information entered into this document will auto-populate all of the rest of the documents in the entire packet. DO NOT alter or change any existing, pre-filled in fields in this document or on any of the other documents as this will alter the entire packet. The ONLY exception would be to correct a spelling error or a date. Enter data into all of the empty fields that you can. The more information the better. 2.) The next document after the Statement of Information is the "Client Intake" form. Fill out completely. 3.) The "Personal Hardship Letter Guide" is designed to help you organize your thoughts regarding your situation by answering the questions posed in order to formulate your hardship letter properly. 4.) The next form is the actual "Personal Hardship Letter" form where you will use the bullet point answers you arrived at in the guide to organize and write your hardship letter. 5.) The last document that you will need to complete, which is after the Personal Hardship Letter, is the "Borrowers Financial Information" form. You will need to complete this as thoroughly as possible. I suggest that you call our office and coordinate a time so that we can go over the documents in order to advise you and better assist you with completing them correctly.

Americana Group REALTORS®

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Document List: 1. Listing Packet Document Explanation and Instructional Guide. * Sign and date the last page and return that page only. 2. Statement of Information – An informational sheet about the parties involved in the transaction which is needed by the title company we will be working with for identity verification purposes and additionally by us for our Client Appreciation Program. Fill out as much as possible as this form auto-populates the rest of the packet. For the optional info sections fill out what you can or feel comfortable with.

* Sign where applicable, date and return this document. 3. Client Intake Form – This form is partially auto-populated on the upper portion. Enter the phone and email contact information you would like for us to use to contact you. The form requests information that can be critical to the short sale process and can to alleviate problems later on in the short sale process.

*Sign, date and return.

4. Required Documents Checklist – The checklist displays exactly what documents are required from you in order to process your short sale. These will all be submitted to the bank in a comprehensive package to start the short sale process. *Sign, date and return along with these required documents.

5. Personal Hardship Letter Guide– This is a questionnaire guide that is intended to help you organize the circumstances about your situation by answering questions that will enable you to write the explanation of you hardship, as required by the bank.

*Sign, date at the bottom and return.

6. Personal Hardship Letter – This is the document you have to complete that explains why you are requesting the bank to approve the short sale. You need to tell in your own words what conditions have created your hardship, what you have done to try to correct the problems, what you plan to do to correct the problems, etc. Read the paragraph on this form and/or refer to the previously filled out bullet points on the Personal Hardship Letter Guide. An extra page is included if needed. *Sign, date and return.

7. Borrower Financial Information form – This form is self explanatory. Fill it in as completely as

possible. This is a major supporting document of you hardship letter and your financial position. *Initial at the bottom of pages 1 & 2 and sign and date on page 3 and return.

8. Duties Owed by a Nevada Real Estate Licensee – This document outlines my obligations and duties to

all parties in the transaction, to act fairly and honestly, to respect confidentiality, to disclose material facts and to abide by the real estate laws. Secondly, it shows out the agent's duties to the client to exercise reasonable skill and care, not to disclose any confidential information, to diligently seek a sale of the property, to present all offers, to disclose material facts to the client and to advise the client to seek the advice of an expert relating to matters which are beyond the licensees expertise. In the section marked “Licensee Acting For Both Parties”, right above the signature box, initial your choice in the space marked “May” or “May Not” that you consent or not to my representing both sides of a transaction in which you may be involved in the future. (Such as if I represented you as the seller and also buyer for the property at the same time.) *Sign on the Seller line, mark the date and the time and return this document.

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9. Letter of Authorization – This is the first document that will be sent to the bank. It authorizes us to speak on your behalf with the bank to get information about your loan and to be able to submit the short sale packet for approval. *Sign and date at the bottom and return.

10. Addendum to the Duties Owed by a Nevada Real Estate Licensee – This is an addendum added to the

above Duties Owed form that says our team leader Donald Lainer heads a real estate team with Prudential American Group REALTORS®, of which I am a part, and that other licensees on his team may work on your file on my behalf in the event that I cannot. For example; if I was on vacation and had to have another team agent work on the transaction on my behalf. They are held to the same obligations and standards as established in the Duties Owed by a Nevada Licensee. *Sign and date on the seller lines and return this document.

11. Confirmation Regarding Real Estate Agent Relationship - This document establishes who is representing who in the transaction. *Sign, date and mark the time on the seller line. 12. Consent to Act – This document relates to the Duties Owed form where you are asked if you consent

to your agent also representing the other party in the transaction. For example, if a buyer makes an offer without representation and requests the listing agent to write it on their behalf, even though the listing agent represents the seller. This may create a conflict of interest that must be disclosed and accepted by both parties. Another situation may be where a member of our team represents a buyer who wants to make an offer on your listing. Because we are on the same team it creates, “technically”, a conflict of interest which must be disclosed and accepted by both parties even though they are separate entities. *Sign, date and return.

13. Short Sale Consequence Disclosure and Listing Addendum – This is a multi-page document that addresses several important issues that deals with short sales. The first page deals with commissions, some possible obligations, costs and options. The second page deals with possible consequences that are possible in a short sale and possible costs and/or fees that the seller may be responsible for during the course of the short sale, the next sections says that we may employ a third party negotiation service provider due to their expertise in negotiating short sales. The last page is a brief legal disclaimer

*Initial at the bottom left of page 1 and 2 and sign and date on page 2 and return. 14. Short Sale Addendum to the Listing Agreement – This document explains, briefly, what a short sale

is, that there may be disadvantages involved with a short sale, discloses if a foreclosure action is in process, explains some of the seller’s duties, explains that as a short sale it must be disclosed in the MLS listing service and discloses possible consequences involved with a short sale. *Initial at the bottom of page 1 and 2 and sign and date on page 2 and return.

15. Short Sale Addendum to Purchase Agreement – This disclosure also establishes certain criteria. It

explains, briefly, that the sale is contingent upon the lender’s approval, the approval must be in writing to the buyer, establishes certain time periods , establishes close of escrow criteria, explains there is no guarantee of lender approval, the buyer can accept back up offers after the property is put into Contingent Status, the buyers can cancel at any time up until the end of the due diligence period, establishes that a foreclosure action is in process, seller should seek professional advice regarding tax or legal issues, unfulfilled contingency is when the lender rejects the short sale and the executed Purchase Agreement is then null and void. *Initial at the bottom of page 1 and 2 and sign and date on page 2 and return.

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16. Short Sale Disclosure Conditions and Obligations – This disclosure basically establishes the financial position of the seller in regards to and what the buyer can expect because of this.

*Initial at the bottom of page 1 and 2 and sign and date on page 2 and return. 17. Lender Short Sale Approval Addendum - This form is used upon receipt of the seller's lien holder(s) short sale approval letter and deals with seller's and buyer's options regarding that approval letter. This document is for review only and will not be used until or if we receive an approval letter from the bank. * Do not sign. For review only at this point. 18. Subsequent Broker Expenses - This form may be submitted to the seller's lien holder in the event that the lien holder reduces commissions and or/other earned fees on the final HUD. It helps us to show the bank the above normal real estate expenses involved in a short sale and that these commissions and/or fees are a necessary for us to remain in business. * Sign, date and return this document. 19. Commission Modification Disclosure - This form is used to inform the buyer's broker and agent that if the bank reduces the total commission, that commission will be split evenly between the buying and selling brokerages. This event and form are eluded to in the Short Sale Consequence Disclosure and Listing Addendum above. * Do not sign. This document is for review only. 20. Exclusive Authorization and Right to Sell Listing Agreement – This is the listing agreement contract.

This document is a bit long to be summarized. Read it thoroughly. The very last page deals with laws and ethics. *Initial at the bottom of each page and on page 5 fill in all of the contact information under “Seller”, sign your name and return. The listing start date is left blank, as is the list price. After we have had a chance to discuss your questions, and have reviewed the4 market conditions we can decide then what they should be.

21. Request for Variance of Company Procedures - This is a “just in case” form should the need

arise. It is intended to get the seller and broker’s permission to accept a reduced commission should the lender require it as a condition to the approval of the short sale. *Sign at bottom right and return.

22. Authorization to Template – This is an authorization to keep blank forms on file to be utilized when

and if needed. They are only used with the seller’s permission and with the seller’s verbal instruction. Should the need arise that one of these blank, but pre-signed, forms needed to be used we would contact you by phone or email to get your verbal instruction as to its implementation. This is especially prudent when the seller lives out of town or is unavailable or we are making multiple offers on properties, etc where, in the interest of time, we need to use the form quickly. *Sign and date at the bottom and return.

23. Counter Offer on Americana Listing – blank – We keep a blank, signed version on hand, as stated

previously, as a "just-in-case" scenario. *Initial at the bottom of page 1 and return. We will use page 2 and 3 of the following completed Counter on American Listing and I will date and mark the time on your behalf when and if it is needed.

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24. Counter Offer on Americana Listing (3 page multi) – We use this standard counter for all offers we get. It is designed to tell the buyer that we accept their offering price and terms and that the buyer may be responsible for most fees because the seller is not financially able to pay them and the bank usually won’t, who the escrow company will be and it also addresses the listing status issues.

*Initial at the bottom of page 1 & 2 and sign only on page 3 and return. I will date and mark the time on your behalf when we need to submit it.

25. Counter Offer – This signed, but also left blank, document is used "when and if" there is a need to

counter the buyer for what ever reason. They may ask for something or a condition that may not be possible to provide and we would use this form to address that scenario. *Sign at seller spot only and return. I will date and mark the time it on your behalf when and if it is needed.

26. Addendum to Purchase Agreement – This is another signed but left blank document that is a used "just-in-case". Anything that must be signed by both parties and becomes a part of the purchase agreement is handled with this document.

*Sign at seller spot only and return. I will date and time it on your behalf when it is needed. 27. Addendum to Purchase Agreement – Reimbursement – This addendum is used in the event that we

pay for some of the fees on behalf the buyer or seller. It allows us to be reimbursed for those fees, usually at the close of escrow. This again is a "just-in-case" document. *Sign at seller spot only and return. I will date and mark the time it on your behalf when and if it is needed.

28. Addendum to Purchase Agreement – Due Diligence and EMD release – We use this document in case we have to refund the earnest money deposit.

*Sign at seller spot only and return. I will date and mark the time it on your behalf when and if it is needed.

29. Personal Property Addendum to Purchase Agreement – We use this to add any personal property

items to the purchase agreement that may come up later, for example a hot tub was requested by the buyer to stay with the property or the seller later decides that they do not want to keep something that they originally stated did not go with the sale of the property. *Sign at seller spot only and return. I will date and mark the time it on your behalf when and if it is needed.

30. MLS Change Order – This is the form we use to do price adjustments in order to generate offers on

the property. *Sign at the bottom right, date and return.

31. MLS Change Order – 30 Day Re-List – We use this form to possibly re-list the property every 30 days, if necessary due to market conditions, to refresh hot lists and or extend the listing. It also shows the price reduction increments if necessary. We don’t use this too often but it again is a ‘just in case”.

*Sign at the bottom right, date and return.

32. MLS Withdrawal-Termination Order – Refresh or REO – This form is used to withdraw the listing from the market. We have to withdraw it and put it right back on again to be able to re-list and refresh and get a new MLS number for marketing purposes. The second part is to withdraw the property from the MLS if it is foreclosed on. This is a multi use form. *Sign at the bottom right, date and return.

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33. MLS Withdrawal-Termination Order – Re-list or Unconditional - This form is used if a listing is withdrawn before the end of the listing agreement and then if the listing is put back on the market again it is understood that it will be listed with Prudential. The second part says that if the property is unconditionally withdrawn before the end of the listing agreement the seller is obligated to pay a marketing buyout of the listing contract at the reduced rate of $7,500. This is a multi use form *Sign at the bottom right, date and return.

34. MLS T-Status Authorization Form - This document allows us to take the property temporarily off of the market for certain circumstances which are described on the document.

*Sign at the bottom right, date and return. 35. Declaration of Personal Property – This is used to disclose any personal property that will remain with the property, specifically an alarm system or a water conditioning system.

If this applies, mark accordingly. If not, draw a diagonal line across the page. *Sign as owner and date and return.

36. Seller’s Real Property Disclosure – This is arguably the most important document in the packet. It is

designed to disclose any and all problems or situations that are associated with this property. You need to read this document carefully, check the box that applies to each question. It will be a Yes, a No or an N /A. Do not leave a question unanswered and do not leave a box blank. If you mark a box incorrectly put an X through it and initial next to it and mark the correct box. For each question that is marked with a Yes you will need to explain the Yes either at the bottom of the page or on the additional page provided. On page 2, for example where you answer the questions for #9 you can explain those Yeses as “part of an HOA with CC&Rs or what ever explains the Yes appropriately. *On page 1, date, mark the Yes or No box at the top right, mark all of the question boxes, and initial at the bottom left of the page. On page 2, mark all of the question boxes, and initial at the bottom left of the page. On page 3 initial at the bottom left of the page. On page 4, sign and date at the bottom. On page 5, use if needed and initial where applicable and return all pages. If you don’t use page 5 for explanations mark the box in the upper left hand area as not applicable.

37. All Inclusive Disclosure/Waiver – This document also addresses issues of possible problems with the

property. Read carefully and initial in the box that applies to the question being asked on each page. Do not leave any boxes unchecked. One column and box for each seller’s initials. *Initial at the bottom of each page and print and sign your name, date and return all.

38. Addendum to the Listing Agreement for Common Interest Community – This document explains

what the seller is responsible for in supplying HOA/CCR documents to the buyer. Due to recent changes in Nevada law, it now the seller’s responsibility to pay for the “Seller’s Resale Package”. *Sign, date and return.

39. Estimated Net Proceeds and Cost Analysis - This form may be used to give you a ball park figure of the costs or proceeds associated with the sale of your property. It is an estimate only. * Initial and date at the bottom of page 1, sign, initial and date on page 2 and return this document. 40. Lead Base Paint Disclosure - This disclosure explains the hazards of lead base paint used prior to 1980 and how it affects people especially children. * Sign, date and return this document.

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41. Affiliated Business Arrangement Disclosure Statement – This document discloses the fact the Prudential Americana Group has a direct or indirect interest in the named companies. This must be disclosed, in the event any of these companies are used in the course of the transaction, to prevent any semblance of impropriety. *Date, initial where applicable and sign, date at the bottom and return.

42. PEG Disclosure of Interest – This document discloses the fact the Prudential Americana Group and/

or it’s agents may have an indirect interest in the named companies. This must be disclosed, in the event any of these companies are used in the course of the transaction, to prevent any semblance of impropriety. *Print and sign your name, date and return.

43. Broker Administrative Charge Explanation – This page explains what this fee is and why. It is a fee charged to the seller by Prudential for actual services rendered

*Sign, date at the bottom and return. 44. BAC Invoice - This is the actual invoice. It will be submitted to the title company for disbursement at closing. *Sign, date at the bottom and return 45. Addendum To Listing Agreement – Seller Opt Outs – This is a new addendum that deals with options

regarding the listing availability and display on the internet. It gives options as to what can or cannot be shown as the seller instructs. *Initial where applicable, sign, date and return.

46. Residential Disclosure Guide - Signature Page – This is the signature page from the booklet that is required by the State of Nevada and explains many of the disclosures used in real estate transactions in Nevada. The actual booklet is included in the attached "Second Included File" leave behind file that is explained and is shown below.

*Date and sign where applicable, keep the booklet and only return this signature page. 47. Exclusion of Listing from MLS - This document is used as a "just in case" form in the event that there is any deviation from the listing date. For example, we have to list the property within 24 of the listing date. If the date on the Listing Agreement is set and we happen to need other documents before we can actual list the property we would need to exclude the listing for the amount of time needed until those documents are able to be submitted. * Sign, date and return this document. 48. Instruction to Exclude Photo from MLS - This document is used similarly to the Exclusion Of Listing form above. Once the listing is submitted a photo of the property must be submitted within 7 days. If that cannot happen, for what ever reason, we have to submit this form to cover that issue. * Sign, date and return this document. 49. Hold Harmless Agreement Lease Option - This document is use in the event a lease option is the result of the transaction. It explains some of the options and issues of lease options. This is a "just in case" document as well, as lease options are not that common. *Initial where applicable, sign date and return this document.

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Second Attached File: "Leave Behind" documents for your review The Mortgage Forgiveness Debt Relief Act info from the IRS – This explains, briefly, the tax relief bill

President Bush signed to help borrowers that qualify and are in financial trouble to be exempt from the income tax on the deficiency created by the short sale.

*Keep this for your information. Do not return Residential Disclosure Guide – This booklet is required by the State of Nevada and explains many of

the disclosures used in real estate transactions in Nevada. * Keep this for your information. Do not return

** Please copy this page, sign and return. Seller Signature Date Seller Signature Date Printed Name Printed Name

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STATEMENT OF INFORMATION FORM - SELLER

Please provide the following necessary information for the Title/Escrow Company’s Client Identification Confirmation Process and for our Client Appreciation Program. This information is critical as the Title Company is being asked to issue title insurance on a transaction involving real property. In that regard, they may encounter liens, judgments, bankruptcies, divorces and /or liens against persons with the same or similar name as yours. This statement is to be signed by each party to the transaction (both spouses, if married). Contact Information: Check here and enter name if a Trust, LLC, or Partnership seller: Authorized Signatory: Check here if 1 private seller Check here if 2 private sellers Check here if married private sellers Check here if there is a Power Of Attorney. Authorized Signatory

Seller 1 Name: Seller 2 Name: Current St. Address: Current St. Address: City: State: ____ Zip: City: State: ____ Zip: Maiden Name: Maiden Name: Date of Birth: Date of Birth: Social Security No.: Social Security No.: Marriage Date: Marriage Date: Home Ph: Cell Ph: Home Ph: Cell Ph: Work Ph: Fax: Work Ph: Fax: Email Address: Email Address: Seller 1 - Residences Past 10 Years: (If not applicable enter N/A here ) Previous Residence 2: City: State: Zip: Previous Residence 3: City: State: Zip: Seller 2 Residences Past 10 Years: (If not applicable enter N/A here ) Previous Residence 2: City: State: Zip: Previous Residence 3: City: State: Zip: Seller 1 - Former Marriages: (If none, enter N/A here ) Name of Former Husband/Wife: If Deceased, Date: Divorced: Yes No When: Where: Seller 2 - Former Marriages: (If none enter N/A here ) Name of Former Husband/Wife: If Deceased, Date: Divorced: Yes No When: Where: Seller 1 Tax Filing Status: Filed as Trust, Partnership, LLC? Yes No Last Year(s) Filed? Filed as individual? Yes No Last Year(s) Filed? Married filing jointly? Yes No Last Year(s) Filed? Married filing separately? Yes No Last Year(s) Filed?

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Seller 2 Tax Filing Status: Filed as Trust, Partnership, LLC? Yes No Last Year(s) Filed? Filed as individual? Yes No Last Year(s) Filed? Married filing jointly? Yes No Last Year(s) Filed? Married filing separately? Yes No Last Year(s) Filed? Occupational Info: Seller 1 Employer: Seller 2 Employer: Emplr. Addr: Emplr. Addr: City: State: ____ Zip: City: State: ____ Zip: Employer Phone: Employer Phone: Supervisor: Supervisor: Position/Department: Position/Department: Employment Dates: Employment Dates: Annual Salary: Annual Salary: Days Off: Hrs: Days Off: Hrs: Seller 1 - Licensee Disclosure of Interest: (If not applicable enter N/A here ______) Are you a licensed real estate agent? Yes No If so, in what state? Enter your name exactly as it is written on your license? If licensed, what is your interest in this property? Principal? (Seller) Family Relationship Business If business, what is your business interest?: Seller 2 - Licensee Disclosure of Interest: (If not applicable enter N/A here ______) Are you a licensed real estate agent? Yes No If so, in what state? Enter your name exactly as it is written on your license? If licensed, what is your interest in this property? Principal? (Seller) Family Relationship Business If business, what is your business interest?:

Property Financial Information: Subject Property Address: City: County: State: ____ Zip: APN #: 1st Note Holder: 2nd Note Holder: 1st Acct. Number: 2nd Acct. Number: 1st Balance Due: 2nd Balance Due: Master Plan Name: Master Plan Dues: HOA 1 Name: HOA Dues: HOA 2 Name: HOA Dues: HOA/CIC Assessments: HOA/CIC Capitol Contribution: SID/LID Balance Due: $ SID/LID Amount Is Due: Monthly Semi-Annual Annual Listing: MLS #: Property Type: MLS Area:

Listing Broker Information: Listing Broker Firm Name: Prudential Americana Group REALTORS® Listing Broker Name: Forrest Barbee Listing Broker License Number: 0055676 Listing Broker Public ID: 203176 Listing Broker Telephone Number: Listing Broker Fax Number:

702-796-7777 702-796-1306

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Listing Agent Information: Listing Agent Name: Listing Agent License Number: Listing Agent Office Address: 7475 W. Sahara Ave., #100, Las Vegas, NV 89117 Listing Agent Public ID: Listing Agent Office Code: AMEG 01 Listing Office Telephone Number: 702-315-7513 Listing Agent Office Fax Number: 702-365-6931 Listing Agent Cell Phone Number: Listing Agent Email Address:

Title/Escrow Company Information:

Title Company Name: Title Company Phone: Title Company Address: City: State: Zip: Escrow Officer: Phone: Fax: Email: Escrow Assistant: Phone: Fax: Email: The undersigned declares, under penalty of perjury, that the forgoing is true and correct. Signature Date Signature Date Printed Name Printed Name

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CLIENT REFERRAL and APPRECIATION PROGRAM

Do you know of anyone who is interested in purchasing your property? Yes No Referrals:

Are they represented by a real estate agent? Yes No Do you know of anyone who is interested in buying or selling real estate? Yes No Are they represented by a real estate agent? Yes No Referral 1: Name: Phone: Email Address: Address: City: State: Zip: Referral 2: Name: Phone: Email Address: Address: City: State: Zip:

Restaurants: Movies: Soft Drinks: Flowers: Fruits: Snacks: Music: Clubs / Organizations: Entertainment/TV Programs: Computers/Games: Animals: Hobbies/Interests: Sports:

Favorites:

Optional Information: Seller 1: Parents’ Names: Parent’s Phone: Parent’s Address: City: State: Zip: Seller 2: Parents’ Names: Parent’s Phone: Parent’s Address: City: State: Zip: Pet's Names: Children’s Names: Children’s Birthdays: Grandchildren's Names: Special Notes:

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CLIENT INTAKE FORM Seller 1 Name: Seller 2 Name: Subject Property Address: Phone: Email Address:

1st Note Holder: 2nd Note Holder: 1st Acct Number: 2nd Acct Number: 1st Balance Due: 2nd Balance Due: 1. Is this your primary residence? Yes No 2. What type of mortgage do you have? (CONV, FHA, VA, ARM, etc.) 3. Are you currently behind on your mortgage(s) payments? Yes No

If YES, how many months late are you? 4. Have you received or has a NOD (Notice of Default) been filed? Yes No If YES on what date? 5. Have you received or has a NTS (Notice of Trustee Sale) been filed? Yes No If YES on what date? 6. Are your property taxes current? Yes No If NO, how many months are you late? Are your taxes paid as part of your monthly payment? Yes No 7. Does your mortgage include PMI (Private Mortgage Insurance)? Yes No 8. Is your hazard/homeowner's insurance current? Yes No If NO, how many months are you late? Is your hazard insurance paid as part of your monthly payment? Yes No 9. Do you have an HOA? Are your HOA dues current? Yes No If NO, how many months are you late? Has your HOA file a lien against your property? Yes No 10. Are your utility and sewer bills current? Yes No 11. Are you aware of any liens against the title of your property? Yes No

Special Notes: Signature Date Signature Date Printed Name Printed Name

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REQUIRED DOCUMENT CHECKLIST

It is important that the seller understand that the short sale review will not begin until each of the items

listed below are provided and in a timely manner. In addition to the items requested, the bank may require additional information at any point during the short sale review process before making a final

decision. Seller understands that the Seller’s Lien Holder(s) will proceed with the foreclosure process if applicable. Notwithstanding the items below, the Lien Holder’s right to the foreclosure process is not

negated by mere submission of a short sale package.

1.) Letter of Authorization (Signed and dated by the Seller(s) to discuss and/or release account information)

2.) Two Copies of Property Keys

3.) Letter of Hardship

(Must be signed and dated by seller(s). End with Realtor & Associates Authorization, Ex: “For any questions please contact my REALTOR® (First & Last) and Associates at 1-702-869-9999)

4.) Seller’s Completed Financial Information Form

5.) Most Recent Pay Stubs

(30 days (or two pay cycles) current and consecutive payroll stubs and/or income verification for borrower(s). If self employed, year-to-date Profit and Loss Statement)

6.) Most Recent 2 Months Bank Statements

(2 months current and consecutive bank statements for borrower(s), all pages. If self employed, 2 months most current and consecutive business bank statements)

7.) Most Recent 2 Years Taxes

(Last 2 years federal tax returns or copy of filed extension request or letter stating that you did not file taxes)

8.) Most Recent Payment Coupons (Current monthly mortgage statement or coupon for each lender)

9.) Most Recent Lender Correspondence

(Any recent lender/mortgage correspondence received. All correspondence from lender, lender’s attorney or sheriff, if any, regarding the Notice of Default or Notice of Trustee Sale)

10.) Verification of Trustee/Notarized Signature Page - Corporation or LLC Resolution - Power of

Attorney Documents (If Applicable)

Seller Signature Date Seller Signature Date Printed Name Printed Name

PERSONAL LETTER OF HARDSHIP GUIDE

Hardship Bullet Notes: In your own words, make bullet point notes below to help you write the hardship letter. Describe all of the events that have occurred that have caused you to be unable to honor your mortgage obligation. Be specific and include comments regarding what has been done or will be attempted to resolve the situation, in addition to any possible resolutions for the situation. The letter should not be too long and you definitely don’t want it to be too short. You need to convince the bank of your hardship with a concise, accurate synopsis which will in turn give them a reason to allow the short sale. Initial Reasons for Purchase: Current Situation: Current Circumstances Effecting Situation: Resulting Effects from Circumstances: Don’t forget to end the letter with information about your Realtor and your authorization of who to speak to on your behalf, for example; “For any questions please contact my REALTOR®, Prudential American Group, Donald Lainer and Associates at 1-702-869-9999”. Signature Date Signature Date Printed Name Printed Name Z:\BRH_AgentWorkFormTemplates\BRH_ContractNegotiationForms\BRH_ListingsShortSales\BankSubmitPacket.doc - A - DL Rev: 1/18/2010

CCC

PERSONAL HARDSHIP LETTER

Property Address:1st Note Holder: Account Number:2nd Note Holder: Account Number:

Borrower Signature Date Borrower Signature Date

Printed Name Printed Name

Page 1

Use the space on this form to describe, in your own words, all of the events that have occurred which have caused you to be unable to honor your mortgage obligation. Be specific and include comments regarding what you have done or will do to try to resolve the situation. Also, comment on your ideas regarding a possible resolution to your situation. Please type,

print or write legibly (use additional paper if necessary). Attach to this disclosure any additional documentation or correspondence that you feel will help us to better understand

your situation.

PERSONAL HARDSHIP LETTER …continued

Borrower Signature Date Borrower Signature Date

Printed Name Printed Name

Page 2

SUBJECT PROPERTY ADDRESS:NOTE HOLDER(s) / LOAN #(s):

BORROWER FINANCIAL INFORMATIONPART A - BORROWER INFORMATION

Borrower Co-BorrowerName NameSocial Security No. Social Security No.Date of Birth Date of BirthTelephone No. Daytime:

Evening:Telephone No. Daytime:

Evening:Email Address Email AddressPrimary Residence

Employer Position Position

Annual Salary $

Annual Salary $

PART B - ASSETS AND LIABILITIES

Description123456

Description789

101112

1214

15* Explain in detail:

Borrowers Intitals: CCC HS-6

Primary Residence (if different from borrower)

Employment Dates

Employer

$ $

$

CashAll Checking and Saving AccountsCertificates of Deposit (CDs)

Estimated Value

Employment Dates

$$

$$$$

$

Stocks/Bonds/Mutual Funds

$

$ $

All Retirement Assets (401, IRAs, etc.)TOTAL LIQUID ASSETS (add lines 1 - 5)

Estimated Value (A) Amount Owed (B)$

$ $

$ $

$ $$ $

Primary HomeOther Real EstateAutomobile(s)Make Model Year

$ $

$ $

TOTAL NON-LIQUID ASSETS (add lines 7-12)

Make Model Year

Cash Value of Life InsurancePersonal Property (computers, art, etc.)Other Assets (Limited Partnerships, etc.) $ $

$ $Other Debt Balances (credit cards, notes due, lines of credit)* $ $

TOTAL NET VALUE (add lines 6-13)

PART C - PROPERTY DESCRIPTION (If subject property is rented)

PART D - DEPENDENTS

PART E - MONTHLY INCOME

1234567891011121314

PART F - MONTHLY EXPENSES

1

2

3

45678

Borrowers Intitals: CCC HS-6

Automobile Loan (s) $ $Other Loans $ $

Maintenance on Primary Home $ $Other Mortgages $ $

Insurance On Primary Home (if not included in #1) $ $Rent Payment (if owner not occupying subject property) $ $

Primary Home (including taxes and insurance) $ $Taxes on Primary Home (if not included in #1) $ $

Net Personal Income (Line 10 minus 13) $ $** Notice: Alimony, child support or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered for re-paying the mortgage

Description (Monthly) Monthly Payment Balance Due

Other deductions (401, etc) $ $Total Deductions (add lines 11 - 12) $ $

Total Monthly Income (add lines 1 - 9) $ $Less: Federal, FICA, and state income tax $ $

Alimony** $ $Child Support ** $ $

Disability (short term or long term) $ $Other Income (interest, rental , etc.) $ $

Bonuses (when paid) $ $Social Security $ $

Overtime Wages $ $Commissions (how often paid) $ $

Description (Monthly) Borrower Co-BorrowerGross Salary / Wages $ $

Relationship Date of Birth In Daycare Y/NName

Address of Property Involved in Workout: Street: City State Zip

$ $$ $

Date Lease Expires$ $$ $

Tenant Name, if applicable Monthly Rent Month Last Paid

PART F - MONTHLY EXPENSES (continued)

9101112131415161718192021222324252627

28PART G - ACKNOWLEDGEMENT AND AUTHORIZATION I certify that the financial information stated above is true and is an accurate account of my financial condition. I consent for Prudential Americana Group REALTORS®, the mortgage servicer and the mortgage insurer to engagein discussions and negotitions with myself or my designated representative regarding foreclosure alternative programs.I acknowledge that ________________/_______________ is under no obligation to agree to an alternative to foreclosureand that ___________________/_________________ has not made any representation that it will modify my mortgage orotherwise authorize an alternative to foreclosure. I consent for Prudential Americana Group REALTORS® , the mortgage servicer and mortgage insurer to discuss andshare information about my mortgage and personal financial situation with third parties such as purchasers, real estateagents, insurers, property inspectors, financial institutions and creditors. I acknowledge that the payments on mymortgage ____ are ____ are not delinquent. If the payments on my mortgage are delinquent, any collection actioncurrently in progress, including foreclosure proceedings will continue without delay while _____________/_____________reviews a foreclosure alternative. I agree that discussions and negotiations of a possible foreclosure alternative will not constitute a waiver of ordefense to _________________/________________'s , right to commence or continue any foreclosure or other collectionaction. The foreclosure action will be terminated and an alternative to foreclosure will be provided only if and when anagreement for a foreclosure alternative has been approved in writing. I have had the opportunity to consult with legal and/or tax counsel prior to signing this document and I willinglyagree to the terms and conditions whether or not I elected to retain such counsel. I ____ do ____ do not occupy the mortgaged property as my/our primary place of residency and agree to allowPrudential Americana Group REALTORS® - _________________ /_________________ or its designees access to theinterior of the property.

Borrower Printed Name Borrower Signature Date

Borrower Printed Name Borrower Signature DateCCC HS-6

* Explain:

Total Personal Expense (add lines 1-27) $ $

Dependant Care $ $Other Monthly Expenses* $ $

School Tuition $ $HOA Fees $ $

Entertainment (hobbies, dinner, movies) $ $Vacations $ $

Spending Money $ $Cable TV / Internet $ $

Groceries and Toiletries $ $Dry Cleaning and Clothing $ $

Medical Expenses (uninsured) $ $Car Expenses (gas, maint., parking, etc) $ $

Telephone / Cell Phone $ $Insurance (health, automobile, life) $ $

Child Care $ $Utiltites (electricity, gas, etc) $ $

Alimony $ $Child Support $ $

Description (Monthly) Monthly Payment Balance DueCredit Card(s) (minimum payment) $ $

DUTIES OWED BY A NEVADA REAL ESTATE LICENSEE This form does not

constitute a contract for services nor an agreement to pay compensation.

In Nevada, a real estate licensee is required to provide a form setting forth the duties owed by the licensee to:

a) Each party for whom the licensee is acting as an agent in the real estate transaction, and b) Each

unrepresented party to the real estate transaction, if any.

Licensee: The licensee in the real estate transaction is

whose license number is: The licensee is acting for [client's name(s):

who is/are the Seller/Landlord; Buyer/Tenant.

Broker: The broker is

whose company is

Licensee's Duties Owed to All Parties: A Nevada real estate licensee shall:

1. Not deal with any party to a real estate transaction in a manner which is deceitful, fraudulent or dishonest.

2. Exercise reasonable skill and care with respect to all parties to the real estate transaction.

3. Disclose to each party to the real estate transaction as soon as practicable:

a. Any material and relevant facts, data or information which licensee knows, or with reasonable care and

diligence the licensee should know, about the property.

b. Each source from which licensee will receive compensation.

4. Abide by all other duties, responsibilities and obligations required of the licensee in law or regulations.

Licensee's Duties Owed to the Client: A Nevada real estate licensee shall:

1. Exercise reasonable skill and care to carry out the terms of the brokerage agreement and the licensee's duties inthe

brokerage agreement;

2. Not disclose, except to the licensee's broker, confidential information relating to a client for I year after therevocation or

termination of the brokerage agreement, unless licensee is required to do so by court order or the client gives written

permission;

3. Seek a sale, purchase, option, rental or lease of real property at the price and terms stated in the brokerage agreement

or at a price acceptable to the client;

4. Present all offers made to, or by the client as soon as practicable, unless the client chooses to waive the duty of the

licensee to present all offers and signs a waiver of the duty on a form described by the division;

5. Disclose to the client material facts of which the licensee has knowledge concerning the real estate transaction;

6. Advise the client to obtain advise from an expert relating to matters which are beyond the expertise of the licensee; and

Duties Owed By a broker who assigns different licensees affiliated with the brokerage to separate parties. Each licensee shall not disclose, except to the real estate broker, confidential information relating to client.

may or may not, in the future actLicensee Acting for Both Parties: You understand that the licensee(Client Init) (Client Init)

for two or more parties who have interests adverse to each other. In acting for these parties, the licensee has a conflict of

interest. Before a licensee may act for two or more parties, the licensee must give you a ''Consent to Act'' form to sign.

I/We acknowledge receipt of a copy of this list of licensee duties, and have read and understand this disclosure.

Buyer/TenantSeller/Landlord

Seller/Landlord Buyer/Tenant

Page I of IApproved Nevada Real Estate Division

Replaces all previous editions Revised 10/25/07

Date Time

Date Time Date Time

Date Time

Letter of Authorization 1st Note Holder:

1st Acct Number:

2nd Note Holder:

2nd Acct Number:

Primary Borrower Name:

Primary Borrower SS#:

Co-Borrower Name:

Co-Borrower SS#: Property Address: To Whom It May Concern: I/we am/are contemplating the sale of my/our property. I/we need the information requested below regarding the status of my/our loan. You also are hereby authorized to release information verbally or in writing to: Prudential Americana Group REALTORS® Negotiation Service Providers, LLC. Donald Lainer, Richard Tilley, , and/or Associates and/or Associates 7475 W. Sahara, Ste #100 3395 S. Jones Blvd., Ste. 300 Las Vegas, NV 89117 Las Vegas, NV 89146 Office: 702-869-9999 – Fax: 702-365-6931 Office: 702-315-7516 – Fax: 702-365-7514 By signing this document I am authorizing Prudential Americana Group REALTORS®, Donald Lainer, , and/or Associates, as borrower’s listing agent, NSP, LLC, Richard Tilley, , and/or Associates, for negotiator services, , Title Company, and , Escrow Officer, to discuss my existing account with your company on my behalf for the property referenced above. I give full permission for all account holders including lien holders and mortgage companies to disclose any and all information including the following; account balances and payment information including late fees, legal fees, and or any pre-payment penalties; and if applicable, discussing terms and conditions relating to an approval of a "Short Sale" on my loan; payoff information and discussing issues relating to the sale and marketing of my property; and the information needed to successfully complete the short sale transaction. Authorization is to extend for the life of the loan unless otherwise expressed in writing. Borrower Signature Date Co-Borrower Signature Date Printed Name Printed Name

~ Prudential Americana Group, REALTORS'

ADDENDUM TO DUTIES OWED BY A NEVADA REAL ESTATE LICENSEE

"NRS 645.252 & .193 Duties of licensee acting as agent in real estate transaction."

PROPERTY ADDRESS: _________________ _

THE FOLLOWING ~NSEES ARE ADDED TO THE DUTIES OWED FORM AS ACTING FOR THE BUYER V SELLER AS PART OF THE TEAM. IF BOTH BUYER AND SELLER ARE CHE~D THIS FO M SERVES TO ADD THESE LICENSEES TO THE "CONSENT TO ACT."

NAME

Donald Lainer

SELLER

SELLER

LICENSE NUMBER

52842

DATE BUYER

DATE BUYER

SIGNATURE

~/~-

DATE

DATE

An Independently owned and operated member of The Prudential Real Estate Affiliates, Inc.

October 2008

CONFIRMATION REGARDING REAL ESTATE AGENT RELATIONSHIP This form does not constitute a contract for services

Property Address:

In the event any party to the real estate transaction is also represented by another licensee who is affiliated with the same Company, the Broker may assign a licensee to act for each party, respectively. As set forth within the Duties Owed form, no confidential information will be disclosed. This is is not such a transaction.

I/We confirm the duties of a real estate licensee of which has been presented and explained to me/us. My/Our representative's relationship is:

is the AGENT of is the AGENT of

Buyer/Tenant Exclusively (3) Buyer/Tenant Exclusively (3)Seller/Landlord Exclusively (2) Seller/Landlord Exclusively (2)

Both Buyer/Tenant & Seller/Landlord (1)Both Buyer/Tenant & Seller/Landlord (1)

Seller's /Landlord's Company Buyer's / Tenant's Company

byby

Licensed Real Estate Agent Licensed Real Estate Agent

Time Date TimeDate

Date Time Date TimeBuyer/TenantSeller/Landlord

Time Date TimeBuyer/Tenant

DateSeller/Landlord

Approved Nevada Real Estate Division Replaces all previous editions

(1) IF LICENSEE IS ACTING FOR MORE THAN ONE PARTY IN THIS TRANSACTION, you will be provided a Consent to Act form for your review, consideration and approval or rejection. A licensee can legally represent both the Seller/Landlord and Buyer/Tenant in a transaction, but ONLY with the knowledge and written consent of BOTH the Seller/Landlord and Buyer/Tenant. (2) A licensee who is acting for the Seller/Landlord exclusively, is not representing the Buyer/Tenant and has no duty to advocate or negotiate for the Buyer/Tenant. (3) A licensee who is acting for the Buyer/Tenant exclusively, is not representing the Seller/Landlord and has no duty to advocate or negotiate for the Seller/Landlord.

Rev 7/17/2003

This form does not constitute a contract for services nor an agreement to pay compensation.

DESCRIPTION OF TRANSACTION: The real estate transaction is the sale and purchase or lease ofProperty Address:

In Nevada, a real estate licensee may act for more than one party in a real estate transaction; however, before the licensee does so, he or she must obtain the written consent of each party. This form is that consent. Before you consent to having a licensee represent both yourself and the other party, you should read this form and understand it.Licensee: The licensee in this real estate transaction is , (''Licensee'') whoselicense number is and who is affiliated with (''Brokerage'').

Seller/LandlordPrint Name

Buyer/TenantPrint Name

CONFLICT OF INTEREST: A licensee in a real estate transaction may legally act for two or more parties who have interests adverse to each other. In acting for these parties, the licensee has a conflict of interest. DISCLOSURE OF CONFIDENTIAL INFORMATION: Licensee will not disclose any confidential information for one year after the revocation or termination of any brokerage agreement entered into with a party to this transaction, unless Licensee is required to do so by a court of competent jurisdiction or is given written permission to do so by that party. Confidential information includes, but is not limited to, the client's motivation to purchase, trade or sell, which if disclosed, could harm one party's bargaining position or benefit the other. DUTIES OF LICENSEE: Licensee shall provide you with a ''Duties Owed by a Nevada Real Estate Licensee'' disclosure form which lists the duties a licensee owes to all parties of a real estate transaction, and those owed to the licensee's client. When representing both parties, the licensee owes the same duties to both seller and buyer. Licensee shall disclose to both Seller and Buyer all known defects in the property, any matter that must be disclosed by law, and any information the licensee believes may be material or might affect Seller's /Landlord's or Buyer's /Tenant's decisions with respect to this transaction.

NO REQUIREMENT TO CONSENT: You are not required to consent to this licensee acting on your behalf. You mayReject this consent and obtain your own agent,-Represent yourself,-Request that the licensee's broker assign you your own licensee.-

CONFIRMATION OF DISCLOSURE AND INFORMATION CONSENT

BY MY SIGNATURE BELOW, I UNDERSTAND AND CONSENT: I am giving my consent to have the above identified licensee act for both the other party and me. By signing below, I acknowledge that I understand the ramifications of this consent, and that I acknowledge that I am giving this consent without coercion.I/We acknowledge receipt of a copy of this list of licensee duties, and have read and understand this disclosure.

Revised 05\05

Date TimeSeller/Landlord

Date TimeSeller/Landlord

Date TimeBuyer/Tenant

Date TimeBuyer/Tenant

CONSENT TO ACT

Prudential Americana Group, REALTORS

Seller’s Initials: _________ ___________

Page 1 of 3

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SELLER’S SHORT SALE CONSEQUENCE DISCLOSURE AND LISTING ADDENDUM

You are signing a listing agreement offering to pay Prudential Americana Group 7.85% of the sale price of the home. Our Brokerage will offer a selling Brokerage a portion of that commission, as shown on the MLS data sheet. In the event that your Lien Holder(s) do not agree to pay the full commission, as per your listing agreement, you, as the seller, would typically be liable for paying the difference. However, given that this is a short sale we will provide an addendum, to be signed and agreed to between Brokers and their Agents, stating that you are offering to split the commission obtained via your Lien Holder’(s) final short sale approval, split by 50% / 50%, up to the commission amount you offer in the Exclusive Right to Sell Listing Agreement and the MLS data sheet. As a Seller receiving NO CASH PROCEEDS from the short sale transaction, you have the option of refusing any offer in which the cooperating brokers do not agree to sign the aforementioned addendum supplied to them per your request. As the Seller, you may elect to refuse such an offer to avoid being liable for paying the difference between the commission amount agreed to in the Exclusive Right to Sell and as shown in the MLS and the final commission amount that your lender approves. This decision may be made by you, the Seller. Seller will initially have 72 hours to forward all required documentation not obtained at the listing appointment to the Platinum Elite Group. If the requested documents are not received in that time period, the Platinum Elite Group will send out a 10 day Demand Notice by certified mail. If we have not received all of the requested documents at the end of 10 business days the listing will be terminated. Seller understands and acknowledges that there may be pre-paid fee obligations to the Seller in the form of advanced commissions for professional third party short sale negotiation services which may not be reimbursed by the Seller’s Lien Holder. Seller understands that due to recent changes in Nevada real estate law, seller may be responsible for additional fees not covered by the Seller’s Lien Holder(s) typically associated with required Common Interest Community documents (HOA). Seller may also be responsible for services rendered in connection with the Lien Holder’s internal policies, such as Lien Holder's changing of the door locks with the intention of “protecting their interest” in the property. In order to continue to make the property accessible for marketing we will need to have the locks re-keyed. In the event that the Platinum Elite Group pays the cost for the re-keying service in order to keep the Seller’s property marketable, the Seller will be responsible to reimburse Platinum Elite Group for this service. Seller understands that any home equity line of credit, if applicable, should immediately be frozen and must be blocked from any further advances. Seller understands it is imperative that this be followed and any further use of this line of credit will jeopardize the continuation of and possible approval of the short sale by the Seller's Lien Holder(s) and the title/escrow company will not be able to complete the escrow.

Seller’s Initials: _________ ___________

Page 2 of 3

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Seller understands and acknowledges that there may be consequences when defaulting on payments or obligations to their Lien Holder(s), Homeowner’s Association(s), Utility Company(s), or other parties and that this may create a lien against the property which may prevent the sale of the property and/or transfer of title. Seller agrees to disclose all material facts, any correspondence with or from their Lien Holder, Homeowner’s Association, Utility Company or other parties and to cooperate to the best of their ability in alleviating any of these issues in a timely manner in order to facilitate the sale and transition of title. As the Owner/Seller of record on title and on the mortgage, you are required to sign off on any documentation that requires the Seller’s signature. However, because you may have established a financial hardship, as is evidenced in the Borrower’s Financial Information Form, Hardship Letter, and the Short Sale Disclosure – Short Sale Conditions / Obligations, it is understood that you, as the Seller, may not be responsible for some fees, commissions, seller contributions or other charges that may appear on any of the aforementioned seller required signature documentation. This responsibility may fall to the Lien Holder(s), who gives final approval of the short sale, as established by the Addendum to Listing Agreement – Short Sale and Counter Offer on Americana Listing Counter Offer #1, and they may be responsible for paying any fees, commissions, seller contributions of other charges. Seller understands that Don Lainer’s Platinum Elite Group may employ Negotiation Service Providers, LLC, an independent 3rd party short sale negotiation firm, to negotiate the short sale process with the Seller’s Lien Holder(s). Such third party negotiators have developed certain expertise in the practice of short sale negotiations. Such third party negotiators may be a separate entity and are in no way, directly or indirectly involved or affiliated in the sale of short sale negotiation services with the Seller. Seller understands and acknowledges that such third party negotiators are retained by Donald Lainer’s Platinum Elite Group and that no relationship will exist between the Seller and the third party negotiators. Seller further understands that they may be responsible for some or all of the fees associated with receiving these services if the Seller’s Lien Holder(s) will not pay them. Seller's Lien Holder(s) may request direct input from the seller at various points during the short sale process and may be asked to provide their email address in order to receive phone or email instructions to accomplish certain tasks on the Lien Holder's website. Seller has been made aware and authorizes our staff herein, as well as in the Letter of Authorization submitted to the Lien Holder(s), to assist with these requests and communicate with the Lien Holder(s) on the seller's behalf when applicable. If seller is contacted, seller is to forward this contact information immediately to the listing agent who will process these tasks for the seller in order to uphold the integrity of the short sale process and the continuity of any information that may have been previously submitted to the Lien Holder. Seller understands and acknowledges there are no guarantees of results by any party involved and agrees to hold Prudential Americana Group REALTORS®, it’s Brokers and Agents, Donald Lainer’s Platinum Elite Group, it’s Agents and Associates, Negotiation Service Providers, LLC (dba NSP, LLC), it’s Agents and Associates, Title Companies and/or their Representatives harmless and free of liability regarding your decisions in these matters and/or the potential results of any negotiations and/or dealings with any associated entity or the Seller's Lien Holder(s) who have the absolute and final authority regarding the approval or denial of the short sale.

Seller’s Initials: _________ ___________

Page 3 of 3

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The undersigned have read and understand the terms of the Short Sale Agreement with their Lien Holder(s). Escrow Agent is hereby authorized and instructed to complete any short sale documentation required by Seller's Lien Holder(s) in which any blanks remaining in documents are to be completed and to close this escrow in accordance with the instructions contained in the Short Sale Agreement. Pursuant to recently enacted U.S. Treasury Department Regulations, we are now required to advise you that, unless otherwise expressly indicated, any federal tax advice contained in this communication, including attachments and enclosures, is not intended or written to be usdd, and may not be used, for the purpose of (i) avoiding tax related penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any tax related matters addressed herein. Be advised that the escrow agent, as well as your real estate agent, is NOT A FINANCIAL ADVISOR, ATTORNEY OR ACCOUNTANT and CANNOT ADVISE the parties as to any tax consequences that may result in the seller/borrower negotiating, agreeing to and/or finalizing a short sale agreement within this transaction and merely wishes to disclose the possible pitfalls of participating in a short sale to the seller/borrower. DO NOT AFFIX YOUR SIGNATURE(S) BELOW UNTIL YOU HAVE READ AND AGREED WITH THE MATTERS SET FORTH ABOVE. SHOULD YOU STILL HAVE QUESTIONS WITH REGARD TO THE ABOVE, YOUR ARE ADVISED TO SEEK INDEPENDENT LEGAL/FINANCIAL COUNSEL. SELLER(S): Printed Name ______________________________ _____________ Signature Date Printed Name ______________________________ _____________ Signature Date

ADDENDUM TO LISTING

AGREEMENT—SHORT SALE

This Addendum is hereby made a part of the Listing Agreement between

__________________________________ as Seller and ______________________________________

as Broker, dated____________ regarding the real property at _________________________________

______________________________________________________________________ (“theProperty”).

1. Acknowledgement of Short Sale. Seller acknowledges that Broker has informed Seller that the

current fair market value of the Property may be less than the amount of Seller’s loan(s) and other debts

against the property due and owing to one or more lender(s), lienholder(s) and/or others with a financial

interest in the Property (collectively, “Lender”). This situation is called a “short sale.” Lender may be

willing to accept an amount less than what is owed on the Property. Seller understands that any sale of

the Property will be contingent upon Lender approval, and the terms of such approval may not be known

until Close of Escrow. Furthermore, such terms may or may not be favorable to the Seller. Seller

acknowledges that Lender is not required or obligated to accept a short sale. Broker has no control

over Lender approval, or any act, omission or decision by any lender in the short sale process.

Seller understands that Lender’s approval may take several weeks or months to obtain, and

Broker cannot guarantee the timeliness of Lender’s review, approval or rejection. Seller Initials[______] [______]

2. Seller Options. Seller understands that there may be disadvantages to a short sale. Seller is

advised to explore other options with Lender (and other appropriate professionals, such as attorneys,

accountants, and qualified housing and credit counselors) such as loan modification or revised

repayment plan; refinancing with Lender or another lender; bankruptcy; or voluntary deed-in-lieu of

foreclosure. These options may have adverse consequences and the Seller must decide what option is

best for his/her individual situation. If Seller decides to pursue another option, Seller agrees to

immediately inform Broker. Seller Initials [______] [______]

3. Consequences of Short Sale. A short sale may have legal, tax and credit consequences. A short

sale may be reported to credit reporting agencies and may adversely affect Seller’s credit score. Even if

Lender agrees to a short sale, Lender may not agree to forgive the entire debt. Seller may be required to

pay the difference as a personal obligation (judgment). Where a portion of a debt is forgiven, the relief

of debt may be considered as taxable income. Lender may issue a 1099 form to Seller and provide that

information to the Internal Revenue Service. Seller acknowledges that Broker cannot provide legal, tax

or credit advice. Therefore, Seller agrees to seek advice from an attorney, a certified public

accountant or other professional regarding the credit, legal and tax consequences of a short sale.

Seller Initials [______] [______]

4. Amount Owed. Seller agrees to cooperate with Broker, escrow and title companies and Lender

to determine the amount of debt against the Property including, but not limited to, purchase money

loans, home equity loans, homeowner association fees and/or fines, property taxes and other liens.

Seller Initials [______] [______]

5. Foreclosure. Seller understands that failure to make loan payments may result in foreclosure of

the Property by Lender. Seller represents that a Notice of Default and Election to Sell � has not –OR–� has (date:______________) been recorded against the Property.If a Notice of Default has not been

recorded against the Property as of the date of this Addendum, Seller agrees to notify Broker

Short Sale Addendum to Listing Agreement Rev. 12/09 Seller Initials: [______] [______]Page 1 of 2

© 2009 Greater Las Vegas Association of REALTORS®

within five (5) business days of receipt of such a notice. Seller understands that the recording of a

Notice of Default begins a statutory foreclosure period, which lasts a minimum of three (3) months and

twenty (20) days. Seller understands that if the Property is not sold to a buyer before a foreclosure sale

of the Property, Seller will lose all rights and interest in the Property. Seller understands that Broker

cannot stop a foreclosure. Seller Initials [______] [______]

6. Seller’s Duties. Seller shall reasonably cooperate with Broker and Lender in the short sale

process by providing documentation as may be required by Lender to review and approve the short sale

request. Such documents may include (but are not limited to): current appraisal, tax returns, pay stubs,bank statements, financial statements, broker/agent authorization, medical records or other evidence of a

financial hardship. Seller authorizes Broker to communicate with Lender regarding the details of Seller’s

loan and the approval of the short sale. Seller agrees to respond to Broker timely, completely and

accurately. Broker shall not verify any information provided by Seller and Seller agrees to defend,

indemnify and hold Broker harmless for same. Seller Initials [______] [______]

7. Disclosure of Short Sale. Seller acknowledges that Broker is required by the rules and policies

of the Multiple Listing Service to identify the Property listing as a short sale. Seller authorizes Broker to

further disclose to prospective buyers and their agent(s) that the transaction is likely to be a short sale

and the terms of the sale may be subject to Lender approval. Broker shall have no liability for any loss,

damage or harm to the Seller from any such communication. Seller Initials [______] [______]

8. Additional Terms .__________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

__________________________________________________________________________________________

All other terms of the Listing Agreement not modified by this Addendum shall remain the same. To the

extent that any terms of this Addendum are in conflict with the Purchase Agreement, this Addendum

will control. WHEN PROPERLY COMPLETED, THIS IS A BINDING CONTRACT. IF YOU

DO NOT FULLY UNDERSTAND ITS CONTENTS, SEEK COMPETENT LEGAL AND TAX

COUNSEL BEFORE SIGNING.

SELLER:

Seller’s Signature ____________________________ Seller’s Signature _______________________________

Printed Name: _______________________________ Printed Name: _________________________________

Date: ______________ Time: ____________ Date: ______________ Time: ______________

BROKER:

Designated Licensee Signature_____________________________ Date: _________________

Printed Name: __________________________________________

Broker’s Signature ______________________________________ Date: _________________

Printed Name: ______________________________________

Short Sale Addendum to Listing Agreement Rev. 12/09 Seller Initials: [______] [______]

Page 2 of 2 © 2009 Greater Las Vegas Association of REALTORS®

SHORT SALE ADDENDUM

In reference to the Purchase Agreement executed byas Buyer(s) and

as Seller(s), dated

1.Contingent on Existing Lender Approval. Buyer and Seller acknowledge that the Purchase

Short Sale Addendum to Purchase Agreement 6/09 © 2009 Greater Las Vegas Association of REALTORS®Page 1 of 3Buyer Initials: Seller Initials:

, the Buyer Seller hereby proposes that the Purchase

TO PURCHASE AGREEMENT

covering the real property at

Price is less than the amount of Seller's existing loan(s) against the property due and owing to one or

as stated in the Purchase Agreement;one (1) calendar day after Buyer's receipt of the written notice of Lender Approval;

--OR--Other

(and Joint Escrow Instructions)

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Agreement be amended as follows:

more lender(s) and/or lienholder(s) (collectively, "Lender"). Such a transaction is called a "short sale."Therefore, the Purchase Agreement is contingent upon Seller and/or Seller's Agent obtaining approvalfrom Lender ("Lender Approval") to accept an amount less than what is owed on the Property. Sellershall reasonably cooperate with Lender in the short sale process by providing such documentation asmay be required by Lender. BUYER AND SELLER UNDERSTAND THAT LENDER APPROVALMAY TAKE SEVERAL MONTHS TO OBTAIN, AND NEITHER THE SELLER, THEESCROW HOLDER NOR THE BROKERS CAN GUARANTEE THE TIMELINESS OFLENDER'S REVIEW, APPROVAL OR REJECTION.

2.Notice of Lender Approval. Seller agrees to provide Buyer with written notice of LenderApproval within one (1) business day of Seller's receipt of the approval.

3.Time Periods. All time periods specified in the Purchase Agreement for due diligence,disclosures, inspections, other contingencies and other obligations shall begin (check one):

4.Close of Escrow. Buyer and Seller understand that Lender Approval will include an expirationdate by which Close of Escrow ("COE") must occur. A typical Lender Approval is valid for 30 days.The Parties agree to use best efforts to meet the Lender's COE deadline and understand that anyextension(s) must be by mutual agreement and Lender's consent. Buyer understands that Lender mayimpose additional requirements, such as per diem funds to be paid by Buyer, as additional considerationfor any extension(s).

5.No Guarantee of Lender Approval. Buyer and Seller understand that no Lender is required orobligated to accept a short sale, and that Lender Approval may be revoked at any time prior to COE. Inaddition, the Parties understand that Lender may require that in exchange for approval some terms of thePurchase Agreement be amended. The Buyer and Seller are not obligated to agree to any of Lender'sproposed terms; in such event, the Purchase Agreement shall be void and the Parties agree to executecancellation instructions with ESCROW HOLDER and return EMD to Buyer. NEITHER THEBUYER, THE SELLER, THE ESCROW HOLDER NOR THE BROKERS IN THISTRANSACTION HAVE ANY CONTROL OVER LENDER APPROVAL, OR ANY ACT,OMISSION OR DECISION BY ANY LENDER IN THE SHORT SALE PROCESS.48

6.Other Offers; Right of First Refusal. Buyer and Seller acknowledge that the Seller's Agent is

Short Sale Addendum to Purchase Agreement 6/09 © 2009 Greater Las Vegas Association of REALTORS®Page 2 of 3Buyer Initials: Seller Initials:

required by the Multiple Listing Service to place the property in "Contingent" status after the Purchase123456789

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Agreement is executed, while the transaction is subject to Lender Approval. The Parties understand thatadditional offers may be received by the Seller's Agent, which must be presented to the Seller pursuantto Nevada law. If Seller receives a bona fide written offer from a third party for the purchase of theProperty, which offer Seller is willing to accept, Seller will give Buyer written notice thereof, includingthe material financial terms and conditions. Buyer shall have the right for 3 business days after receipt ofsuch notice to meet the price and terms as contained in the third party's offer. To exercise this right,Buyer shall provide a written addendum including the new price and terms, as well as a preapprovalletter for the new Purchase Price. If Buyer fails to exercise this right within the time specified, Sellerreserves the right to terminate this Agreement and to accept the third party's offer and forward it toLender for review.

7.Buyer's Right to Cancel. Buyer may cancel the Purchase Agreement for any reason and withoutpenalty any time after 45 60 90 1 been received. Upon Buyer's cancellation, Seller agrees to execute cancellation instructions withESCROW HOLDER and return EMD to Buyer.

8.Foreclosure. Seller warrants that, at the time of the Purchase Agreement, a Notice of Defaultand Election to Sell has not -OR- has (date: ) been recorded against theProperty. (Information regarding the foreclosure status of a property is available from the CountyRecorder where the Property is located.) The Parties understand that the recording of a Notice of Defaultbegins a statutory foreclosure period, which lasts a minimum of three (3) months and twenty (20) days.Buyer and Seller understand that if COE does not occur before a foreclosure sale of the Property, Sellerwill lose all rights and interest in the Property and the Purchase Agreement shall be void and escrowshall be cancelled. In such event, ESCROW HOLDER is instructed to return EMD to Buyer without anyfurther instruction from the Parties. The Parties agree to forever release and relieve ESCROW HOLDERfrom any and all responsibility, liability, costs and/or litigation for the return of the EMD under theseconditions.

9.Tax Consequences and Advice. Seller agrees to seek advice from an attorney, a certified publicaccountant or other professional regarding the credit, legal and tax consequences of a short sale.

10.Unfulfilled Contingency. If the Lender rejects the short sale, Seller will promptly notify Buyerof the rejection and the Purchase Agreement shall be void due to the unfulfilled contingency and escrowshall be cancelled. In such event, ESCROW HOLDER is instructed to return EMD to Buyer without anyfurther instruction from the Parties. The Parties agree to forever release and relieve ESCROW HOLDERfrom any and all responsibility, liability, costs and/or litigation for the return of the EMD under theseconditions.

11.Other Terms and Conditions:

Buyer

Prepared by:Agent's Name Phone

Date

Time

Date

Time

Seller

Buyer Seller

Buyer Seller

Buyer Seller

Acceptance:

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All other terms of the Purchase Ag reement, including all prior counteroffers and addenda not modified bythis Addendum shall remain the same . To the extent that any terms of this Adde ndum are in conflict withthe Purchase Agreement, this Addendum will control. WHEN PROPERLY COMPLETED,THIS IS A BINDING CONTRACT. IF YOU DO NOT FULLY UNDERSTAND ITS CONTENTS, SEEK COMPETENT LEGAL AND TAX COUNSEL BEFORE SIGNING.

Page 3 of 3Buyer Initials: Seller Initials:Short Sale Addendum to Purchase Agreement 6/09 © 2009 Greater Las Vegas Association of REALTORS®

Buyer Initial _____ _____ Buyer Agent Initial _____ Seller Initial _____ _____ Seller Agent Initial _____

Page 1 of 2

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CCC

Short Sale Disclosure Short Sale Conditions / Obligations

Property Address:

1. The Seller “WILL NOT RECEIVE ANY CASH” from this transaction. Any

funds usually due [to] the Seller from escrow accounts or prorations will be paid to the Seller’s Lien Holder(s), which is being affected by the short sale.

2. The Seller has “NO ADDITIONAL CASH” and has provided the required

documentation to their Lien Holder(s) stating such, as well as for the consideration and qualification of this short sale. In circumstances where the buyer has requested or has need of closing costs or down payment assistance, the final decision will be made by the Seller’s Lien Holder(s).

3. The Seller is not financially able to pay for the Buyer’s appraisal, home warranty

or cleaning. It is stated herein that the Seller’s Lien Holder(s) may not pay for these services.

4. The Seller may not be financially able to pay for the cost of maintaining the

property. If in the event the Seller had been unable to maintain the utilities on the property, the Buyer may request, in writing, to turn on the utilities for their inspections. Therefore, if applicable and with the Seller’s consent, the Buyer may be authorized by the Seller to bear the cost and/or responsibility of having the utilities turned on to satisfy any of the inspections the Buyer shall deem necessary to complete their due diligence. Buyer and Seller agree to hold harmless Seller’s Broker, Seller’s Agents and any extended parties over any ramifications arising from the turning on and/or off of the utilities.

5. Every effort will be made to have the Seller provide all required HOA documents.

Seller may not have the financial means to provide this documentation. The Buyer may be requested to pay for the HOA documentation fees and/or the Demand Statement fees, should said fees exist, upfront and to be reimbursed at the close of escrow. Seller will provide signed documentation necessary to order the “Resale Package”. There is no guarantee that the Seller’s Lien Holder(s) will pay this fee.

Buyer Initial _____ _____ Buyer Agent Initial _____ Seller Initial _____ _____ Seller Agent Initial _____

Page 2 of 2

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CCC

6. Any required out-of-escrow payments for the Buyer’s needs, such as their appraisal, home inspections, etc., will be paid for by the Buyer at the time the services are performed.

We have read and agree to the Short Sale Disclosure. ____________________________________ _____________ Buyer’s Signature Date ____________________________________ ______________ Buyer’s Signature Date ____________________________________ ______________ Buyer’s Agent Date ____________________________________ ______________ Buyer’s Broker Signature Date ____________________________________ ______________ Buyer’s Lender Signature Date ____________________________________ ______________ Seller’s Signature Date Seller's Printed Name ____________________________________ ______________ Seller’s Signature Date Seller's Printed Name ____________________________________ ______________ Seller’s Agent Signature Date ____________________________________ ______________ Seller’s Broker Signature Date

Notice of Lender Short Sale Approval Rev. 02/10 © 2010 Greater Las Vegas Association of REALTORS®

LENDER SHORT SALE APPROVAL ADDENDUM(and Joint Escrow Instructions)

In reference to the Purchase Agreement (“Agreement”) executed by as Seller(s) and as Buyer(s), datedcovering the real property at ,which is contingent upon approval from Seller’s mortgage lender(s), lienholder(s) and/or others with a financialinterest in the Property (“Lender Approval”), the Seller hereby provides the Buyer with a copy of the Lender Approval from , attached hereto. (Note: This Addendum is only effective if the Lender Approval is attached.) If Seller or Buyer do not understand the termsof the Lender Approval, he/she should seek independent legal advice.

1. SELLER'S RESPONSE: Seller has reviewed and understands the attached Lender Approval and responds as follows:

Seller removes the contingency in the Agreement as to the above-named Lender only and requests the

Buyer’s Response within three (3) days of the date of this Addendum. Seller reserves the right to cancel theAgreement if the Buyer fails to timely respond.–OR–

Seller declines the terms of the Lender Approval and hereby cancels the Agreement and escrow transaction. Escrow Holder is hereby authorized to release Earnest Money Deposit (EMD) to the party fromwhom they were received, without further written instruction. In compliance therewith, Escrow Holder and TitleCompany are hereby discharged and forever released and relieved of any and all responsibility, liability, costsand/or litigation for the return of the EMD.

Seller Date

Seller Time

2. BUYER'S RESPONSE: Buyer acknowledges receipt of the Lender Approval, has reviewed the terms of the Lender Approval and responds as follows:

Buyer agrees to proceed with the transaction.–OR–

Buyer rejects the new requirements and/or changed terms in the Lender Approval and hereby cancels the Agreement and escrow transaction. Escrow Holder is hereby authorized to release Earnest MoneyDeposit (EMD) to the party from whom they were received, without further written instruction. In compliancetherewith, Escrow Holder and Title Company are hereby discharged and forever released and relieved of any andall responsibility, liability, costs and/or litigation for the return of the EMD.

Buyer Date

Buyer Time

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CCC A-5

SUBSEQUENT BROKERAGE EXPENSES Property Address:

1st Note Holder: 2nd Note Holder:

1st Acct Number: 2nd Acct Number:

It is understood by all parties as follows:

1) As per the policies of Prudential Americana Group REALTORS®, Section XX, and the Greater Las Vegas Association of REALTORS®, Rules and Regulations, Division of Commissions, Section 5.0, the listing commission and amounts offered and displayed in the MLS listing are to be paid as advertised and published. Adhering to commission payment policy is crucial due to increased administrative expense and legal review time needed to work each short sale and loss mitigation file. These additional efforts are not typically required in a standard real estate transaction, therefore the extra supplementary costs of doing business are required and justified to accommodate short sale transactions and are essential in helping to maintain the highest net possible to the selling lenders involved.

2) Additional brokerage expenses are incurred due to the serious nature of any subsequent damage

complaints submitted regarding rules, regulations and policy violations, which are immediately expedited through the arbitration process, bypassing the typical first step of mediation.

3) The increased hardships suffered due to reduced commissions and amounts result in a business climate

that is non-profitable and makes it difficult, if not impossible, to afford to stay in the business of helping selling lenders in this type of market, as well as virtually eliminating any incentive to process any future short sales. While we certainly sympathize with the industry and its effects on selling lenders, creating another negative by reducing commissions and amounts will only further harm the situation as a whole. We strive at all times to do the best job in representing our customer’s interest. This in turn works toward providing the diligent job presenting credible offers in the interest of the selling lender while maintaining the highest and best price to the selling lender’s net.

Seller’s Signature Date Seller’s Signature Date Printed Name Printed Name ____________________________________ ______________ Seller’s Agent Signature Date ____________________________________ ______________ Seller’s Broker Signature Date

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CCC

Short Sale Disclosure

Short Sale Commission Modification Procedure For Co-Op Brokerage

Property Address:

As per the MLS, the seller’s broker is offering a 3% buyer broker co-op fee from a total commission of no less then 6%, as agreed to by the seller in the listing agreement. Upon the lender’s agreement to accept less than what is owed to them, a request from the lender to re-negotiate and lower the total commission rate may occur. The re-negotiation of the total commission rate paid is typically an inherent part of successfully working out many short sale transactions. Any reduction in the total commission fee of 6% or less shall result in the reduced total commission fee being split equally, between brokers, with 50% being paid to Prudential Americana Group REALTORS® and 50% to the buyer’s broker. We have read and agree to the Short Sale Disclosure. Any changes to the total commission rate will be announced at the time of the final short sale approval by the lender’s Loss Mitigation Department. ____________________________________ _____________ Buyer’s Agent Date ____________________________________ ______________ Buyer’s Broker Signature Date ____________________________________ ______________ Seller’s Agent Signature Date ____________________________________ ______________ Seller’s Broker Signature Date

6. COMPENSATION TO BROKER: Compensation is solely a matter of negotiation between Broker and Seller and is not fixed, suggested, controlled or recommended by GLVAR, MLS or any other person not a party to this Agreement. Seller agrees to pay Broker as compensation for services % of selling price of the Property or $ amount. If leased, Seller agrees to pay Broker % of the total rental agreed to by paid by lessee or $ . Seller acknowledges that Broker will offer % or $ to the cooperating broker who is the procuring cause of the sale. If leased, Broker agrees to pay the cooperating broker % or $ . Seller acknowledges that offers of compensation are between brokers and are not negotiable between the Seller and Buyer. Seller will also pay $ for

1. EXCLUSIVE RIGHT TO SELL: I/We, ("Seller")Prudential, Americana Group, REALTORS ®hereby employs and grants ("Broker) the exclusive and irrevocable

right, commencing onProperty located in the City of , County of , Nevada, APN

commonly known as:

(Note: If the Property is offered for lease, then the term "Seller used in this Agreement includes "Landlord" as applicable.)

Cash2. TERMS OF SALE: The listing price shall be $ , terms available:

OtherOwner Will Carry

3. PROPERTY OFFERED FOR SALE: The listing price noted above includes the Property and all improvements and fixtures permanently affixed and installed.

a. The following items of Personal Property are included in the above price and shall be conveyed unencumbered in escrow by a valid bill of sale:

4. MULTIPLE LISTING SERVICE (MLS): Broker is a participant of THE GREATER LAS VEGAS ASSOCIATION OF REALTORS ® (GLVAR) Multiple Listing Service, and the listing information will be provided to the MLS to be published and disseminated to its Participants and Subscribers in accordance with its Rules and Regulations and Section 20 herein. Broker is authorized to cooperate with other real estate Brokers, and to report the sale, its price, terms and financing for the publication, dissemination information and use by authorized Association members, MLS Participants and Subscribers.

5. TITLE INSURANCE: Seller agrees to provide Buyer with a policy of title insurance in the amount of the selling price.

EXCLUSIVE AUTHORIZATION AND RIGHT TO SELL EXCHANGE OR LEASE BROKERAGE LISTING AGREEMENT

(Company Name), and expiring on , to sell, lease or exchange the Real

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32

3031

#:("the Property").

CONV FHA Lease VA Lease Option

b. The following items of Personal property are excluded from the above price and not included in the sale:

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37

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43

4142

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4746

48

Seller acknowledges that he/she has read, understood, and agreed to each and every provision of this page.

SELLER(S) INITIALS:

Exclusive Right Listing Agreement Rev. 2007 Page 1 of 5

© 2007 Greater Las Vegas Association of REALTORS®

a. if the Property is sold or leased by Broker, or through any other person including Seller, on the above terms or any other price and terms acceptable to Seller during the above time period or any extension of said time period; b. if the Property is transferred, conveyed, leased, rented, or made unmarketable by a voluntary act of Seller without the consent of Broker, during the time period or any extension of said time period; c. if within calendar days of the final termination, including extensions, of this Agreement, to whom the Property was shown prior to the final termination. This section (c) shall not apply if Seller enters the Property is sold, conveyed, or otherwise transferred to anyone with whom the Broker has had negotiations or into a valid Brokerage Listing Agreement with another licensed real estate Broker after the final termination of this Exclusive Brokerage Listing Agreement.

In the event of an exchange, permission is hereby given to the Broker to represent such parties as Broker may deem appropriate and collect compensation from them provided that there is full disclosure to all parties. If completion o f sale is prevented by default of Seller, or the refusal of Seller to accept an offer in accordance with the price and terms of this Agreement, then upon event, Broker is authorized to take any action reasonably necessary to collect said commission. If completion of sale is prevented by a party to the transaction other than Seller, Broker may collect its commission only if and when Seller collects damages by suit or otherwise, and then in an amount not less than one-half of the damages recovered, but not to exceed the above compensation after first deducting title expenses, escrow expenses and the expenses of collections if any. Broker is authorized to cooperate and divide with other brokers the above compensation in any manner acceptable to Broker. Seller hereby irrevocably assigns to Broker the funds and proceeds of Seller in escrow equal to the above compensation. In the event any sum of money due under this Agreement remains unpaid for a period of thirty (30) days, such sum shall bear interest at the rate of ( ) percent per annum from the due date until paid.

7. DEPOSIT: Broker is authorized to accept on Seller's behalf a deposit to be applied toward purchase price or lease.

8. AGENCY RELATIONSHIP: a. Broker warrants that he holds a current, valid Nevada real estate license. Broker shall act as the agent of the Seller and may also assign or designate a licensee of the Broker who shall act as the representative of the seller in any resulting transaction. b. Depending upon the circumstances, it may be necessary or appropriate for the designated licensee to act as agent for both Seller and Buyer, exchange parties, or one or more additional parties. If applicable, Broker and the designated licensee shall disclose to Seller any election to act as an agent representing more than one party and obtain the written Consent To Act Form signed by all parties to the transaction. c. Broker may also have licensees in its company who are agents of the Buyer who may show and negotiate an offer to purchase Seller's Property. In this event the licensees that represent the Buyer will only represent the Buyer in the transaction with all duties owed to the Buyer and not the Seller. This, therefore, does not require a Consent To Act Form.

Compensation shall be due:4950515253545556575859606162636465666768697071727374757677

80

7879

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8990

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Seller acknowledges that he/she has read, understood, and agreed to each and every provision of this page.

SELLER(S) INITIALS:

Exclusive Right Listing Agreement Rev. 2007 Page 2 of 5

© 2007 Greater Las Vegas Association of REALTORS®

97

9. REQUIRED DISCLOSURES: a. Unless exempt under NRS chapter 113, Seller shall truthfully complete and sign a Seller's Real Property Disclosure Statement concerning the condition of the Property. Seller shall update the Seller's Real Property disclosure as necessary. b. If the Property is or has been the subject of a construction defect claim, whether litigated or not, Seller shall provide the disclosure required by NRS 40.688. c. If the property was built prior to 1978, Seller shall complete the Disclosure of Information on Lead- Based Paint Hazards in accordance with Federal Regulations.

Seller acknowledges that he/she has read, understood, and agreed to each and every provision of this page.

SELLER(S) INITIALS:

Exclusive Right Listing Agreement Rev. 2007 Page 3 of 5

© 2007 Greater Las Vegas Association of REALTORS®

d. Seller Acknowledges receipt of the Residential Disclosure Guide:

10. SELLER'S INDEMNIFICATION: Seller agrees to save, defend, and hold Broker harmless from all claims, disputes, litigation, and/or judgments arising from any incorrect information supplied by Seller or from any material facts which Seller fails to disclose.

11. FAIR HOUSING: Broker shall offer the Property for sale or lease without regard to race, color, sex, creed, religion, national origin, handicap, or familial status in compliance with federal, state, and local anti- discrimination laws.

12. COMMON INTEREST COMMUNITY: If the Property is located within a Common Interest Community, Seller acknowledges and agrees to obtain and/or provide the information required by NRS 116.4109 and 116.41095 to Broker for delivery to Buyer.

13. SIGN: Seller authorizes Broker to install a FOR SALE/LEASE sign on the Property.

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14. KEYBOX: Seller [ ] (does) [ ] (does not) authorize Broker to install a keybox in connection with the showing of the Property. Seller acknowledges that they have been advised that: a. The purpose and function of the keybox is to permit access to the interior of the Property by all members of GLVAR's MLS, including certified/licensed appraisers; b. Seller should safeguard Personal Property and valuables located within the Property; c. It is not a requirement of the GLVAR's MLS for Seller to allow the use of a keybox; d. Where a tenant occupies the Property, the tenant's consent is also required, which shall be obtained by the Seller or his property Manager; e. Neither the listing nor selling Broker nor the GLVAR is an insurer against the loss of Personal Property. Seller hereby releases Broker and the GLVAR from any responsibility relating to the keybox.

15. RENT/LEASE: The Property is -OR- is not currently occupied by a Tenant. The Property is subject to a management agreement with: (Name of Property Manager and Phone number): . If the Property is a single family unit, Seller agrees to not rent or lease the Property during the term of this Agreement without fourteen (14) days prior written notice to Broker.

16. TAX WITHHOLDING: Seller agrees to perform any act reasonably necessary to carry out the provisions of FIRPTA (Internal Revenue Code 1445).17. MEDIATION/ARBITRATION: The Broker and Seller hereby agree that any dispute concerning the terms and conditions of this contract shall be resolved through mediation and/or arbitration proceedings at the GLVAR in accordance with the standards of practice of the National Association of REALTORS® and GLVAR rules of procedure. If a lawsuit is filed by either party, that lawsuit shall be stayed until the dispute is resolved or terminated in accordance with this paragraph.

18. ATTORNEY'S FEES: In the event suit is brought by either party to enforce this Agreement, the prevailing party is entitled to court costs and reasonable attorney's fees.

19. ADVERTISING: Seller acknowledges that a photo of the Property may be taken by an authorized representative for publication in the MLS computer system. Seller agrees that the Property may be advertised in all formats of media including but not limited to electronic and print advertising.

20. USE OF LISTING CONTENT: Seller acknowledges and agrees that all photographs, images, graphics, video recordings, virtual tours, drawings, written descriptions, remarks, narratives, pricing information, and other copyrightable elements relating to the Property provided by to Broker or Broker's agent (the "Seller Listing Content") and any changes thereto, may be filed with MLS, included in compilations of listings, and other wise distributed, publicly displayed and reproduced in any medium. Sell hereby grants to Broker a non-exclusive, irrevocable, worldwide, royalty-free license to use sublicense through multiple tiers, publish, display, and reproduce the Seller Listing Content, to prepare derivative works of the Seller Listing Content, and to distribute the Seller Listing Content or any derivative works thereof in any medium. This non-exclusive license shall survive the termination of this Agreement for any reason whatever. Seller represents and warrants to Broker that the Seller Listing Content, and the license granted to Broker for the Seller Listing Content, do not violate or infringe upon the rights, including any copyright rights, of any person or entity.

21. NEVADA LAW: This Agreement is executed and intended to be performed in the State of Nevada, and the laws of Nevada Shall govern its interpretation and effect. The parties agree that the State of Nevada, and the county in which the Property is located, is the appropriate judicial forum for any litigation, arbitration or mediation related to this Agreement.

22. ENTIRE CONTRACT: All prior negotiations and agreements between the parties are incorporated in this Agreement which constitutes the entire contract. Its terms are intended by the parties as a final, complete, and exclusive expression of their agreement with respect to its subject matter and may not be contradicted by evidence of any prior agreement or contemporaneous oral agreement. This Agreement and any supplement, addendum or modification, including any photocopy or facsimile, may be executed in two or more counterparts, all of which shall constitute on and the same writing. The terms of this Agreement may not be amended, modified or altered except through a written agreement signed by all of the parties hereto. The parties agree that an MLS Change Order signed by Broker and Seller shall act as a valid written addendum to this Agreement.

23. PARTIAL INVALIDITY: In the event that any provision of this Agreement shall be held to be invalid or unenforceable, such ruling shall not affect the validity or enforceability of the remainder of the Agreement in any respect whatsoever.

24. WARRANTY OF OWNERSHIP: Seller warrants that Seller is the sole Owner of the Property or has the authority to execute this Agreement. By signing below Seller acknowledges that Seller has read and understands this Agreement, agrees to the terms thereof, and has received a copy.

25. ADDITIONAL TERMS:

Seller acknowledges that he/she has read, understood, and agreed to each and every provision of this page.

SELLER(S) INITIALS:

Exclusive Right Listing Agreement Rev. 2007 Page 4 of 5

© 2007 Greater Las Vegas Association of REALTORS®

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SELLER:

E-Mail:Fax:Date: Telephone:

Address:

Seller's Signature:

State: Zip:City:

BROKER:

Address:

Company:

Broker's Signature:

License No.:Designated Licensee Signature:

Prudential, Americana Group, REALTORS ®

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THE PRINTED PORTION OF THIS AGREEMENT HAS BEEN APPROVED BY THE GREATER LAS VEGAS ASSOCIATION OF REALTORS® NO REPRESENTATION IS MADE AS THE LEGAL VALIDITY OR ADEQUACY OF ANY PROVISION OR THE TAX CONSEQUENCES THEREOF. FOR LEGAL OR TAX ADVICE, CONSULT YOUR ATTORNEY OR TAX ADVISOR.

By signing below, Seller consents to receive transmissions set from Broker to the fax number(s) and/or e-mail address(es) set forth. Seller agrees to keep Broker advised of his/her address and telephone number (or a number where they may be reached within 24 hours) at all times during the terms of this agreement

Seller's Signature:

Printed Name: Printed Name:

E-Mail:Fax:Date: Telephone:

State: Zip:City:

Printed Name: Licensee's Telephone:License No.:

Printed Name:

Seller acknowledges that he/she has read, understood, and agreed to each and every provision of this page.

SELLER(S) INITIALS:

Exclusive Right Listing Agreement Rev. 2007 Page 5 of 5

© 2007 Greater Las Vegas Association of REALTORS®

702-362-1111 702-365-6931

B.0055676

Forrest Barbee

By Initialing below, Seller acknowledges that they have read, understood, and agreed to each and every provision of this page. Sellers Initials

Copyright © by: Greater Las Vegas Association of REALTORS®

WHAT EVERYONE SHOULD KNOW ABOUT EQUAL OPPORTUNITY IN HOUSING

The sale and purchase of a home is one of the most significant events that any person will experience in their lifetime. It is more than the simple Purchase of housing, for it includes the hopes, dreams, aspirations, and economic destiny of those involved, THE LAW - Civil Rights Act of 1866 The Civil Rights Act of 1866 prohibits all racial in the sale or rental of propertyFair Housing Act The Fair Housing Act declares a national policy of fair housing throughout the United States. The law makes illegal any discrimination in 'he sale, lease or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, handicap, familial status, or national origin. Americans with Disabilities Act Title III of the Americans with Disabilities Act prohibits discrimination against the disabled in places of public accommodations and commercial facilities. Equal Credit Opportunity Act The Equal Credit Opportunity discrimination Act makes discrimination unlawful with respect to any aspect of a credit application on the basis of race, color, religion, national origin, sex, marital status, age or because all or part of the applicant's income derives from any public assistance program. State and Local Laws State and Local often provide broader coverage and prohibit discrimination based on additional classes not covered by federal law. THE RESPONSIBILITIES The home seller, the home seeker and the real estate professional all have rights and responsibilities under the law For the Home Seller You should know that as a home seller or landlord you have a responsibility and a requirement under the law not to discriminate in the sale, rental and financing of property on the basis of race, color, religion, sex, handicap, familial status, or national origin. You cannot instruct the licensed broker or salesperson acting as your agent to convey for you any limitations in the sale or rental, because the real estate professional is also bound by lawnot to discriminate. Under the law, a home seller or landlord cannot establish discriminatory terms or conditions in the purchase or rental, deny that housing is available or advertise that the property is available only to persons of a certain race, color, religion, sex, handicap, familial status, or national origin. For the Home Seeker You have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status, or national origin. This includes the right to expect: • housing in your price range made available to you without discrimination • equal professional service • the opportunity to consider a broad range of housing choices • no discriminatory limitations on communities or locations of housing • no discrimination in the financing, appraising or insuring of housing • reasonable accommodations in rules, practices and procedures for persons with disabilities • non-discriminatory terms and conditions for the sale, rental. financing, or insuring, of a dwelling • to be free from harassment or intimidation for exercising your fair housing rights. For the Real Estate Professional A home seller or home seeker, you should know that the term REALTOR ® identifies a licensed professional in real estate who is a member of the NATIONAL ASSOCIATION OF REALTORS ® . Not all licensed real estate brokers and salespersons are members of the National Association, and only those who are can,, identify themselves as REALTOR ®. They conduct their business and activities in accordance with a strict Code of Ethics. As agents in a real estate transaction, licensed brokers or salespersons are prohibited by law from discriminating on the basis of race, color, religion, sex, handicap, familial status, or national origin. A request from the home seller or landlord to act in a discriminatory manner in the sale, lease or rental cannot legally be fulfilled by the real estate professional. DEED AND PROPERTY COVENANTS OR RESTRICTIONS OF RECORD During the history of our country, some persons have placed restrictions on property based on race, color, religion, sex, handicap, familial status, or national origin. Generally, these restrictions are void and unenforceable, with limited exceptions for particular types of religious housing and housing for the older persons. The publication of these void restrictions may convey a message the restrictions continue to be valid. Any time a sales associate or broker is asked to provide a copy of the covenants or restrictions of record relating to the use of a property the following message should be included; These documents may contain restrictions or covenants based on race, color, religion, sex handicap, familial status, or national origin. Such restrictions or covenants generally are void and unenforceable as violations of fair housing laws. Be assured that all property is marketed and made available without discrimination based on race, color religion, sex, handicap, familial status or national origin. Should you have any questions regarding such restrictions, please contact your attorney. The Equal Opportunity Program The NATIONAL ASSOCIATION OF REALTORS ® has developed a Fair Housing Program to provide resources and guidance to REALTORS ® in ensuring equal professional services for all people The Code of Ethics Article 10 of the NATIONAL ASSOCIATION OF REALTORS ® Code of Ethics requires that 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 a party 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. A REALTOR ® pledges to conduct business in keeping with the spirit and letter of the Code of Ethics. Article 10 imposes obligations upon REALTORS ® and is also a firm statement of support for equal opportunity in housing. Fair Housing Partnership The Fair Housing Partnership negotiated with the U.S. Department of Housing and Urban Development (HUD) outlines a program of voluntary compliance. REALTORS ® voluntarily participate in activities and program to acquaint the community with the availability of equal housing opportunity, to establish office procedures to ensure that there is no denial of equal professional service, to make materials available which will explain this commitment, and to work with other groups within the community to identify and remove barriers to fair housing. Further Assistance Local Boards of REALTORS ® will accept complaints alleging violations of the Code of Ethics filed by a homeseeker who alleges discriminatory treatment in the availability, purchase or rental of housing. Local Boards of REALTORS ® have a responsibility to enforce the Code of Ethics through professional standards procedures and corrective action in cases where a violation of the Code of Ethics is proven to have occurred. Complaints alleging discrimination in housing may be filed with the nearest office of the Department of Housing and Urban Development (HUD), or by calling HUD's Discrimination Hotline at 1(800)669-9777, 1(800)290-1617 (TYY). For information and publications on fair housing, call HUD's Fair Housing Information Clearing house at 1(800)343-3442

REQUEST FOR VARIANCE OF COMPANY PROCEDURES

We at Prudential Americana Group, REALTORS® , believe in providing the best services available to our clients. We feel consistency and continuity are some of the qualities that set us apart from other companies. Therefore it is important that all of our Sales Executives uphold our Policies and Procedures. Your Sales Executive values your business and in light of your request they have chosen to ask the Management for a variance from our normal company policy; your signature below indicates that you are aware that your Sales Executive is requesting this variance.

Date:

Office:

Sales Executive:

Variance requested and explanation:

ClientSales Executive

ClientPrudential Americana Group, Manager

Property Address:

Prudential Americana Group, REALTORS

AUTHORIZATION TO TEMPLATE FORMS Property Address: ___________________________________________ TO WHOM IT MAY CONCERN: Please b e a dvised that it m ay be b eneficial f or s ome forms to be used i n a template format through out the entire listing and/or transaction where applicable. By s igning be low I a m hereby gi ving, Prudential A mericana Group REALTORS®, Donald Lainer & Associates and PlatinumElite.com, LLC, instruction and authorization to, at any time, use forms as template f orms in or der t o m ake, change, and/or amend transactions on single and/or multiple properties on my behalf with and/or without my written or verbal instruction for the pur pose of upholding the tra nsaction. I un derstand th at m y signature a t th e c lose of th e file/transaction endorses and approves any and all template forms utilized. I c ompletely unde rstand t hat i t w ill be t he goal of t he Donald L ainer T eam, t o notify m e periodically as to the transaction status regarding the utilization of the above applicable forms needed, however I am aware that I may call for a status update at my leisure. I understand, it is the r esponsibility of t he Buyer and/or Seller t o perform on any of fer made and accepted. It is further understood that Prudential Americana Group REALTORS®, associates and/or affiliates, including P latinumElite.com L LC. a nd t he D onald L ainer Team, will now and at a ll times be held harmless in this instruction. ___________________________________ ___________________________________ Signature Date Signature Date ___________________________________ ____________________________________ Printed Name Printed Name \\PEG3Dept00Svr01\PEG FILES\PEG_AssocWorkFormTemplates\PEG_ContractNegotiationForms\BRH_OffersResidential\TemplateAuthorization.doc DL Rev: 1/18/2010

CCC I-13

1. The Original Offer tendered on the above described property is not accepted in its present form and is hereby modified as follows:

Counter Offeron Americana Listing

Property Address:Buyer's Name(s):Buyer Agent/Company:Seller's Name(s):Americana Seller Agent Name:Date of Original Offer:

Initials Seller

Counter Offer Page I of 3

Initials Buyer

Page 1 of 3

Rev 10/08

If checked below: MULTIPLE COUNTER OFFERS: Seller is making a Counter Offer(s) to another prospective buyer(s) on terms that may or may not be the same as in this counter offer. Acceptance of this Counter Offer by buyer shall not be binding unless and until it is subsequently re-signed by the seller(s) in paragraph 19 and a copy of the Counter Offer signed in paragraph 19 is served upon buyer or buyer's agent. Prior to the completion of all these events, buyer and seller shall have no duties or obligations for the purchase or sale of the property.

This counter offer IS one of multiple counter offers This counter offer is NOT one of multiple counter offers

Counter Offer #:

~ Prudential Americana Group, REALTORSS

~~~_~_~=~ __ ~ Page 1 013 Counter Offer on

Americana Listing

Counter Offer #: ____ ...:1 ___ _

Property Address: ___________________________ _

Buyer's Name(s): --------------------------------BuyerAgenUCompany~: _________________________ _

Seller's Name(s): ~-~-----------------------

Americana Seller Agent Name:....: ________________________ ___ Date of Original Offer:, ________ _

1. The Original Offer tendered on the above described property is not accepted in its present form and is hereby modified as follows:

A.) The Seller in cooperation with the Seller's Lien Holder(s) is requesting each interested party to submit their "Best" offer

in writing to the Listing Agent. Buyer acknowledges that the Seller in cooperation with the Seller's Lien Holder(s) will determine the offer to be the "Best" offer. In the event the first choice of "Best" offer does not result in an accepted offer.

Seller will accept or provide notification or counter offer(s) only to the offer(s) which the seller in cooperation with the

Seller's Lien Holder(s) determines to be the "Next Best" offer and will continue until acceptance.

B.) The property will remain in "ER" status until verified that escrow has been opened and earnest money has been

deposited with the Seller's escrow company of choice. Buyer is to open escrow within 48 hours of Seller's written

acceptance of buyer's offer. Once the escrow and EMD have been confirmed the property will be placed in "C" status.

When the Seller's Lien Holder(s) approval(s) of the offer has been received the Buyer's due diligence period is to begin

within one (1) calendar day after the Buyer's agent being notified of Lien Holder(s) approval. C.) Escrow shall close within 30 days from final written Lien Holder(s) acceptance date and shall include an extension,

should it be necessary, for obtaining a Short Sale final document approval. Close of Escrow is scheduled to occur on or

before , 20 , however Buyer's agent and Buyer(s) are to fully cooperate with the Listing Agent's

request to extend the close of escrow in writing during the existing Lien Holder(s) transaction review time frame.

D.) Escrow to be with Title Company, and as Escrow Officer.

E.) This transaction is subject to all parties acceptance of Prudential Americana Group REALTORS Short Sale Disclosures

F.) Buyer to pay for existing home warranty, appraisal, inspections or re-inspections, cleaning if needed and CIC/HOA

transfer costs, if applicable. Seller's Lien Holder(s) may not pay for these services or costs. Buyer to pay for CIC/HOA

resale package and be reimbursed upon successful COE G.) The property and appliances negotiated, where negotiated, are being sold in cosmetically "As-Is" condition with no

seller or seller agent warranties or guarantees.

H.) Unless further written notification is received from Buyer, the original offer will be considered Buyer's "Best" offer.

If checked below: MULTIPLE COUNTER OFFERS: Seiter is making a Counter Offer(s) to another prospective buyer(s) on terms that mayor may not be the same as in this counter offer. Acceptance of this Counter Offer by buyer shall not be binding unless and until it is subsequenlly re-signed by the seller(s) in paragraph 19 and a copy of the Counter Offer signed in paragraph 19 is served upon buyer or buyer's agent. Prior to the completion of

all these events, buyer and seller shall have no duties or obligations for the purchase or sale of the property.

[(] This counter offer IS one of multiple counter offers D This counter offer is NOT one of multiple counter offers

Inilials Seller Initials Buyer

Rev 1010B Counter Offer Page I of 3

Page.2 of 3 2. "Seller's Real Property Disclosure Statement" (""SRPDS") daled by reference hereto (if not

already) is hereby delivered to Buyer and is incorporated as a part of this Purchase Agreement. Unless otherwise specified and agreed to in writing by both parties within this purchase agreement, Buyer agrees to accept all noted defects of property, if any, listed on the "SRPD" and it's attachments without any compensation from Seller for repairs and/or replacement of listed defects.

BUYER INITIALS 3. Certificate of Resale If escrow should fail to close, Buyer agrees to return entire package of certificate of resale or reimburse Seller

for the cosl of Ihe package from earnesl monies. BUYER INITIALS

4. Homeowner's Insurance Buyer agrees to obtain written commitment for homeowner's insurance within 10 calendar days from acceptance of this offer and provide such acceptance to Seller or Seller's Agent. In the absence of writing to the contrary, within that same time frame, it shall be deemed that Buyer accepts property's insurability.

5. New Flnancing/lnterest Rate/Delivery of Loan Approval/Lender Cooperation If to new financing, Seller's acceptance of this offer is contingent upon lender's preliminary written approval of Buyer within 2 calendar

days from acceptance of this offer. In the event this approval is not provided by the mortgage company to Seller or Seller's agent, Seller may, at their sale and absolute discretion, cancel this transaction. FINAL & COMPLETE loan approval to be provided 15 calendar days from acceptance of this offer. In the event this FINAL & COMPLETE approval is not provided by the mortgage company 10 Seller or Selle~s agent, Seller may, al their sole and absolute discretion, cancel this transaction and accept any back up offers or new offers from other parties. Offer is not contingent upon Buyer's ability to obtain either a specific interest rate or payment. Buyer herein authorizes lender of Buyer 10 provide any pertinent informalion on loan slalus to Agents for Buyer and Seller. Buyer and Buyer Agent agree to inform listing agent, in writing, within 24 hours of a.) any change of lenders, including the new lenders name/company/contact infonmation and b.) of any notification of loan denial.

6. Credit Information If Buyer is to pay all or a portion of the purchase price by executing a promissory note in favor of Seller or if an exisling loan is to be formally assumed by Buyer and, therefore, Seller remains liable for repaymenl of same, this contract is contingenl upon Selle~s approval of Buye~s financial abilily and credil worthiness, which approvalshall be al Seller's sale and absolute discretion. Buyer, at their own expense, to supply Seller with information and documents concerning Buyer's financial, employment and credit conditions within - N/A - calendar days from acceplance of this contract. If Ihis infonmation is nol provided or if Seller gives written disapproval wilhin Ihal same time period, this contract shall terminate; otherwise, this condition will be considered satisfied.

7. Undisclosed Contingency Buyer certifies there does not exist the requirement of the sale or lease of any other property in order to have the ability to obtain the loan or to have the necessary down payment for the loan for this property. In the event seller agrees to a contingency based upon sale or lease of another property, it is contingent upon Buyer supplying, within 48 hours of acceptance, copies of contracts on all properties that need to close in order for this property to close, including contact information on all agents, lenders and title/escrow officers. Seller then has 48 hours to review and approve or disapprove, in writing, of the supplied documentation. If Seller disapproves of the documentation, this transaction, at the sole discretion of Seller is terminated, with no further obligation to Buyer.

8. Appraisal Buyer to pay for appraisal(s) 1./ 1 ,Seller to pay for appraisal(s) 0 ,Seller to reimburse Buyer for appraisal(s) upon successful closing of Escrow. D

8(a). Olf Checked Buyer and Seller Acknowledge that in the current Real Estate market, appraiser's valuation placed on the property is not always reflective of the true market value of the property today. since they are working with historical dat a which may be up to six months old. The value is detenmined by what buyers are willing to pay and what sellers are willing to accept. Therefore, buyer acknowledges he can and will purchase the property for the agreed upon price, making up the difference in cash if necessary, and this will then remove any and all contingencies regarding appraised value.

BUYER INITIALS 9. Loan Costs Seller to pay a maximum of $ towards all lender and/or Buyer closiilY rusts InClUdhlY

but not limited to all mandatory/allowable FHAIVA charges, both recurring and non-recurring, discount points. impounds/prorations, tax service, flood certification, pest inspections. processing, warehousing, application, documentation preparation fees. Any overage or unused portion to be credited back to Seller.

10. Home Inspection Repair Costs/Walkthrough All inspections to be performed and approved or rejected by Buyerwithin 10 days of acceptance date. Buyer or Buyer's agent is to be present for any and all inspections. including

walkthrough. Seller shall pay a maximum of $ 0.00 towards items discovered to be defective orin immediate need of repair by a Home Inspection of Buyer, which are structural. plumbing. electrical, heating and cooling systems, as well as any unsafe conditions at the property. Any items in excess of these costs shall be the responsibilily of Buyer.

Initials Seller Initials Buyer __ _

Rev 10/08 Counter Offer Page 2 of 3

Page 3 of 3

(10. cont) Items noted 'beyond normal life expectancy: but operable shall not be repaired at Seller's expense. Items discovered via a mold and/or pest inspections are not included in Seller's obligations discussed in this paragraph. Cosmetically, the property is to be conveyed in current condition, broom clean, and the property cleared of debris. Even if original offer did not contain requirement of walkthrough, a walkthrough shall be performed or waived, in writing, by Buyer. If not waived. Buyer shall have the right to make a final inspection of the property no sooner than five (5) calendar days prior to close of escrow, not as a contingency of the sale, but solely to confirm that Seller has completed alterations, repairs, replacements, or modifications as agreed in writing by Buyer and Seller and has complied with warranty obligations, if any, and the property is otherwise in substantially the same condition as on the date of the acceptance of the offer. Seller to ensure that utilities remain or be on so walkthrough can be performed. Buyer, herein agrees to hold Prudential Americana Group, REAL TORS® harmless from any and all liability after the close of escrow arising from the structural integrity, use of building materials, and/or operation of any systems connected thereto. A Buyer who does not conduct a walkthrough inspection waives recourse against Seller with regard to the condition of these items.

11. LID/SID /ASSESSMENTS/BONDS/CIC ASSESSMENTS Buyer to assume any and all LID / SID / Assessments / Bonds / CIC Assessments. These assessments to be verified by Buyer prior to opening of escrow. Opening of escrow will be deemed an acceptance of any assessment.

12. MLS Information/Commission/Personal Property MLS information is deemed reliable but NOT guaranteed, Buyer and Buyer's agent are to verify all information to their own satisfaction prior to opening of escrow. Any references to commission in original offer are void and commission offering in MLS as per this listing, at time and date of original offer shall control. Any items (such as appliances) of a personal property nature, not specifically mentioned or referenced to as part of the original offer, or counter offers, will not be conveyed with the property or this transaction. Only by addendum, or separate agreement by both Buyer and Seller shall any personal property transfer to Buyer and all such transferred personal property is not guaranteed to operate and transfers in 'as is' condition. 13. No Automatic Extensions to Close of Escrow If the offer contains an automatic extension to the close of escrow

date it is hereby deleted from this transaction. Any extensions to the close of escrow date must be agreed upon, in writing, and signed by both Buyer and Seller.

14. Penalty for Failure to Timely Close Escrow Should escrow fail to timely close as detailed herein, due to no fault of the Seller, at the Seller's sole discretion, escrow may be extended to a mutually agreeable date under the following terms: Earnest money shall be rendered non-refundable, Earnest Money to be increased to $ Remain as offerec:j Additional earnest money to be deposited within 1 (one) business day of the date of extension being granted, Buyer shall pay a fee of

$ 100.00 per day, each day that escrow is extended. 15. Other Terms All other terms to remain the same as the Original Offer and Acceptance referenced above.

16, Right to Accept Other Offers. Seller reserves the right to accept any other offer prior to Buyer's and Seller's acceptance of ali terms and conditions of the Original Offer and Counter-Offer(s) as evidenced by ali parties' signatures on those documents and further by the delivery of those signed documents to both Buyer and Seller or their respective agents. 17. Expiration This Counter Offer shall expire within 48 hours from date and time of the origination as shown below, however, Seller reserves the right to withdraw this Counter any time prior to its acceptance by Buyer and delivery of signed acceptance to Seller or Seller Agent.

18. Seller: Time: a.m. p.m. Date

Seller: Time: a.m. p.m. Date

Seller Agent: Ameg Office: 01 10: Phone: 702.315.7513

Accepted: 0 Rejected: 0 Countered:D

Buyer: Time: a.m. p.m. Date

Buyer: Time: a.m. p.m. Date

Buyer Agent: Office: 10: Phone:

19. Multiple Counter Offer Signature Line: By signing below, seller accepts this multiple Counter Offer.

Seller: Time: a.m. p.m. Date

Seller: Time: a.m. p.m. Date

Rev 10108 Counter Offer Page 3 of 3

OTHER TERMS: All other terms to remain the same as the Original Offer and Acceptance referenced above.RIGHT TO ACCEPT OTHER OFFERS: Seller reserves the right to accept any other offer prior to Buyer's and Seller's acceptance of all the terms and conditions of the Original Offer, and Counter Offers if any, as evidenced by all parties signatures on those documents and further by the delivery of those signed documents to both the Buyer and Seller or their respective agents.EXPIRATION: This Counter Offer shall expire within hours from the date and time of the origination as shown below by Buyer(s) and Seller(s).

The Original Offer tendered on the above described property is not accepted in its present form and is hereby modified as follows:

Seller:Date:

Time:Seller:

Buyer:Date:

Time: Buyer:

...

Property Address:

Buyer's Name(s):

Seller's Name(s):

Date of Original Offer:

Rev 03/2009

Counter Offer #:

Accepted: Rejected: Countered:

ADDENDUM TO PURCHASE AGREEMENT

In reference to Purchase Agreement and Earnest Money Receipt executed by, as Buyer(s), dated

covering the real property commonly known as

It is further agreed by both parties as follows:

By:

Licensed Real Estate Agent Signature

This agreement, upon its execution by both parties, is herewith made an integral part of the aforementioned Purchase Agreement

and Earnest Money Receipt. When properly completed this is a binding contract. If not fully understood, seek competent legal aid

and\or counsel before signing.

BUYER DATE

TIMEBUYER

Acceptance of Offer To Purchase: The undersigned Seller(s) accepts the foregoing offer to purchase and agrees to sell the above

described property on the terms and conditions as stated herein and acknowledges receipt of copy of this agreement.

DATESELLER

TIMESELLER

PHONEBRANCHAUTHORIZED AGENT

REV- 07/2008

ADDENDUM TO PURCHASE AGREEMENT

In reference to Purchase Agreement and Earnest Money Receipt executed by, as Buyer(s), dated

covering the real property commonly known as

It is further agreed by both parties as follows:

By:Licensed Real Estate Agent Signature

This agreement, upon its execution by both parties, is herewith made an integral part of the aforementioned Purchase Agreement and Earnest Money Receipt. When properly completed this is a binding contract. If not fully understood, seek competent legas aid and\or counsel before signing. The undersigned Buyer(s), having inspected the above described property and its appurtenances, offers and agrees to purchase said property on the terms and conditions herein stated and acknowledges receipt of a copy of this

agreement from the Agent signed above and named below.

BUYER DATE

TIMEBUYER

Acceptance of Offer To Purchase: The undersigned Seller(s) accepts the foregoing offer to purchase and agrees to sell the above described property on the terms and conditions as stated herein and acknowledges receipt of copy of this agreement.

DATESELLER

TIMESELLER

PHONEBRANCHAUTHORIZED AGENT REV- 07/2008

ADDENDUM TO PURCHASE AGREEMENT

In reference to Purchase Agreement and Earnest Money Receipt executed by, as Buyer(s), dated

covering the real property commonly known as

It is further agreed by both parties as follows:

By:Licensed Real Estate Agent Signature

This agreement, upon its execution by both parties, is herewith made an integral part of the aforementioned Purchase Agreement and Earnest Money Receipt. When properly completed this is a binding contract. If not fully understood, seek competent legas aid and\or counsel before signing. The undersigned Buyer(s), having inspected the above described property and its appurtenances, offers and agrees to purchase said property on the terms and conditions herein stated and acknowledges receipt of a copy of this

agreement from the Agent signed above and named below.

BUYER DATE

TIMEBUYER

Acceptance of Offer To Purchase: The undersigned Seller(s) accepts the foregoing offer to purchase and agrees to sell the above described property on the terms and conditions as stated herein and acknowledges receipt of copy of this agreement.

DATESELLER

TIMESELLER

PHONEBRANCHAUTHORIZED AGENT REV- 07/2008

PERSONAL PROPERTY ADDENDUM TO PURCHASE AGREEMENT

(BUYER'S NAMES)

The following items of personal property, on which the Seller places no value, are to remain with the property and are to be conveyed, without any warranties expressed or implied, in "As Is" condition, free and clear of encumbrances, to the Buyer by a valid Bill of Sale through Escrow:

WHEN PROPERLY COMPLETED, THIS IS A BINDING CONTRACT. IF NOT FULLY UNDERSTOOD, SEEK COMPETENT LEGAL AID AND/OR COUNSEL BEFORE SIGNING.The undersigned hereby accept and agree to comply with the terms and conditions of this Personal Property Addendum to the Purchase Agreement, and acknowledge receipt of a copy of this agreement

BUYER AMDATEPM

BUYER TIME

AMDATESELLERPM

SELLER TIME

BRANCHAUTHORIZED AGENT PHONE

Offer On:

From:

Revised 10/2008

CURRENTPRICE $:

GREATER LAS VEGAS ASSOCIATION OF REALTORS®

Multiple Listing Service

CHANGE ORDER

ADDRESS /DESCRIPTION: MLS #:

PROPERTY TYPE:MLS AREA:

COMPANYTO:The undersigned, being the owner(s) of property described above, hereby authorizes the following changes which are to be made a part of the original listing contract:

(1) Listing contract renewed. Extend the Expiration date fromterminating at midnight,

to (2) Change the price from

(3) Change the terms and/or conditions to make the following corrections:

(4) Back on market.

The receipt of a copy of this authorization is hereby acknowledged.

OwnerBroker

OwnerListing Agent

Date:Date:

NOTE:

THIS FORM DOES NOT CONSTITUTE A VALID CHANGE ORDER UNLESS SIGNED BY THE BROKER OF THE LISTING OFFICE.

REV 05/03

GREATER LAS VEGAS ASSOCIATION OF REAL TORS®

Multiple Listing Service

CHANGE ORDER

ADDRESS /DESCRIPTION: __________________ MLS #: ______ _

CURRENT MLS AREA: ___ PROPERTY TYPE: _________ _ PRICE $: _______ _

TO: Prudential Americana Group, REALTORS COMPANY ---------------~~-----------

The undersigned, being the owner(s) of property described above, hereby authorizes the following changes which are to be made a part of the original IIsllng contract:

o (1) Listing contract renewed. Extend the Expiration date from -------------terminating at midnight, ________________ _

o (2) Change the price from to ---------- ---------------

o (3) Change the terms and/or conditions to make the following corrections:

Seller hereby approves MLS 30 day re-listings, modifications & reduced list price in $ to $10.000 increments

not to be less than the total base price of $ TBO . unless authorized by seller in writing. Modification dates will

automatically extend the listing 6 months due to refreshed marketing & hot list commitment costs

o (4) Back on market.

The receipt of a copy of this authorization is hereby acknowledged.

Broker Owner

Listing Agent Owner

Oate: ______________ _ Date: _____________ ___

NOTE:

THIS FORM DOES NOT CONSTITUTE A VALID CHANGE ORDER UNLESS SIGNED BY THE BROKER OF THE LISTING OFFICE.

REV 05/03

GREATER LAS VEGAS ASSOCIATION OF REAL TOR& 1750 E. SAHARA AVE .• LAS VEGAS, NEVADA 89104-3706' (702) 732-8177

Multiple Listing Service

WITHDRAWAL/TERMINATION ORDER

ADDRESS/DESCRIPTION ______________ 'MLS # _____ _

CURRENT MLS AREA __ ~PROPERTY TYPE _________ PRICE $ ______ _

TO Prudential Americana Group REALTORS COMPANY

The undersigned, being the owner(s) of property described above, hereby authorizes the following changes, which are to be made a part of the original listing contract:

D WC (1) Withdrawal from the Multiple Listing Service (does not terminate listing contract).

Conditional (list conditions) -- Effective Date To refresh and re-market property hot lists

D WU (2) Termination of Listing Contract and Withdrawal from the Multiple Listing Service.

Unconditional (list exceptions) -- Effective Date

Property went into REO status

The receipt of a copy of this authonzalion IS hereby acknowledged:

Broker: Owner

Listing Agent: Owner

Date ___________ ,20 __ _________ ~, 20 __

NOTE: THIS FORM DOES NOT CONSTITUTE A VALID WITHDRAWALITERMINATION ORDER UNLESS SIGNED BY THE BROKER OF THE LISTING OFFICE.

Revised 04/01

GREATER LAS VEGAS ASSOCIATION OF REALTORS® 1750 E. SAHARA AVE. LAS VEGAS, NEVADA 89104-3706 732-8177

Multiple Listing Service

WITHDRAWAL/TERMINATION ORDER

ADDRESS/DESCRIPTION MLS #

CURRENT MLS AREA PROPERTY TYPE PRICE $

TO Prudential Americana Group REALTORS® COMPANY

The undersigned, being the owner(s) of property described above, hereby authorizes the following changes, which are to be made a part of the original listing contract: WC (1) Withdrawal from the Multiple Listing Service (does not terminate listing contract). Conditional (list conditions) - - Effective Date

If owner, at any point, chooses to re-market the property for sale, it is understood and agreed that the

new listing will be held with Prudential Americana Group REALTORS® / Platinum Elite Group /

(agent name) or commission to be paid to Prudential American Group.

WU (2) Termination of Listing Contract and Withdrawal form the Multiple Listing Service.

Unconditional (list exceptions) - - Effective Date In the event of an unconditional withdrawal, it is understood and is hereby agreed to, that it is our

policy that the owner is to pay a marketing buy-out of the contract at a reduced rate amount of $7,500.

The receipt of a copy of this authorization is hereby acknowledged:

Broker: Owner Listing Agent: Owner Date ,20 ,20 NOTE: THIS FORM DOES NOT CONSTITUTE A VALID WOTHDRAWAL/TERMINATION ORDER UNLESS SIGNED BY THE BROKER OF THE LISTING OFFICE.

Revised 04/01

     

GREATER LAS VEGAS ASSOCIATION OF REALTORS®                        Multiple Listing Service 

                “T” STATUS AUTHORIZATION 

ADDRESS/DESCRIPTION ______________________________________ MLS# _____________

MLS AREA _______________ PROPERTY TYPE________________ PRICE $_______________

TO:__________________________________________________________________ COMPANY

The undersigned, being the seller(s)/ owner(s) of the property described above, hereby authorize the property to be temporarily taken off the market (“T” status), which will result in no showings while in this Status.

DATE “T” STATUS TO COMMENCE______________________________ DATE TO RETURN TO

Updated STATUS (BASED ON LIMITATIONS SHOWN BELOW)____________________________.

1. Seller/Owner unable or unwilling to allow showings (time limit thirty (30) business days).

2. Problems or concerns relating to title of property (time limit ninety (90) business days).

3. Property damaged, repairs to be completed (time limit thirty (30) business days).

4. Seller negotiating and/or reviewing multiple offers (time limit seven (7) business days).

5. Key is lost or damaged and is being replaced (time limit four (4) business days).

MLS Rules and Regulations require that if a Seller/ Owner authorizes changing a property listing to “T” Status, the listing broker must submit this authorization form to MLS within 2 business days.

Broker_________________________________ Seller/Owner__________________________________

Listing Agent____________________________ Seller/Owner__________________________________

Date___________________________________ Date_________________________________________

THIS FORM DOES NOT CONSTITUTE A VALID STATUS CHANGE UNLESS SIGNED BY THE BROKER OF THE LISTING OFFICE 

      Please FAX a copy of this form to the 

           MLS Department at 732‐3154           

Copyright© by: Greater Las Vegas Association of REALTORS®    

DECLARATION OF OWNERSHIPOF PERSONAL PROPERTY TO BE INCLUDED IN SALE

WE/I, THE UNDERSIGNED OWNER(S) OF THE REAL PROPERTY AT

, DO ATTEST THAT WE/I DO,

A. ALARM SYSTEM (NAME & SERIAL NO.):

SECURITY SERVICE COMPANY

PAYMENT AMOUNT FOR SERVICE: $

B. WATER CONDITIONING SYSTEM (NAME & SERIAL NO):

IF CONTRACT FOR SERVICE, COMPANY NAME:

FEE FOR SERVICE: $

OWNEROWNER

DATE:

AGENT:

MO QTR YR

MO QTR YR

IN FACT OWN AND DO NOT RENT THE FOLLOWING ITEMS OF PERSONAL PROPERTY AT THE AFOREMENTIONED RESIDENCE:

Rev 7/17/2003

SELLER'S REAL PROPERTY DISCLOSURE FORM

In accordance with Nevada Law, a seller of residential real property in Nevada must disclose any and all known conditions and aspects of the property which materially affect the value or use of residential property in an adverse manner (see NRS 113.130 and 113.140).

YES NODo you currently occupy or haveyou ever occupied this property?

Date

Property address

Check here if the Seller is exempt from the completion of this form pursuant to NRS 113.130(2).

Purpose of Statement: (1) This statement is a disclosure of the condition of the property in compliance with the Seller Real Property Disclosure Act, effective January 1, 1996. (2) This statement is a disclosure of the condition and information concerning the property known by the Seller which materially affects the -value of the property. Unless otherwise advised, the Seller does not possess any expertise in construction, architecture, engineering or any other specific area related to the construction or condition of the improvements on the property or the land. Also, unless otherwise advised, the Seller has not conducted any inspection of generally inaccessible areas such as the foundation or roof. This statement is not a warranty of any kind by the Seller or by any Agent representing the Seller in this transaction and is not a substitute for any inspections or warranties the Buyer may wish to obtain.

Instructions to the Seller: (1) ANSWER ALL QUESTIONS. (2) REPORT KNOWN CONDITIONS AFFECTING THE PROPERTY. (3) ATTACH ADDITIONAL PAGES WITH YOUR SIGNATURE IF ADDITIONAL SPACE IS REQUIRED. (4) COMPLETE THIS FORM YOURSELF. (5) IF SOME ITEMS DO NOT APPLY TO YOUR PROPERTY, CHECK N/A (NOT APPLICABLE). EFFECTIVE JANUARY 1, 1996, FAILURE TO PROVIDE A PURCHASER WITH A SIGNED DISCLOSURE STATEMENT WILL ENABLE THE PURCHASER TO TERMINATE AN OTHERWISE BINDING PURCHASE AGREEMENT AND SEEK OTHER REMEDIES AS PROVIDED BY THE LAW (see NRS 113.150).

Systems / Appliances: Are you aware of any problems and/or defects with any of the following:YES NO N/AYES NO N/A

Electrical SystemPlumbing Sink(s)

Sauna / hot tub(s)Sewer System & lineBuilt-in microwaveSeptic tank, & leach fieldRange / oven / hood-fanWell & pumpDishwasherYard sprinkler system(s)Garbage disposalFountain(s)Trash compactorHeating systemCentral vacuumCooling systemAlarm systemSolar heating system

leased..owned..Fireplace & chimneySmoke detectorWood burning systemIntercomGarage door openerData Communication line(s).Water treatment system(s)Satellite dish(es)owned.. leased..

leased..owned..Water heater

OtherToilet(s)Bathtub(s)

EXPLANATIONS: Any ''Yes'' must be fully explained. Attach explanations to form.

Buyer(s) InitialsSeller(s) Initials

Page 1 of 4Nevada Real Estate DivisionReplaces all previous versions

Page 1 of 4

Seller Real Property Disclosure FormRevised 05/06 547

Property conditions, improvements and additional information:Are you aware of any of the following:1. Structure:

NOYES N/A

(a) Previous or current moisture conditions and/or water damage?(b) Any structural defect?(c) Any construction, modification, alterations, or repairs made without

required state, city or county building permits?(d) Whether the property is or has been the subject of a claim governed by

NRS 40.600 to 40.695 (construction defect claims)?(If seller answers yes, FURTHER DISCLOSURE IS REQUIRED)

2. Land / Foundation:(a) Any of the improvements being located on unstable or expansive soil?(b) Any foundation sliding, settling, movement, upheaval, or earth stability problems

that have occurred on the property?(c) Any drainage, flooding, water seepage, or high water table?(d) The property being located in a designated flood plain?(e) Whether the property is located next to or near any known future development?(f) Any encroachments, easements, zoning violations or nonconforming uses?

(If seller answers yes, FURTHER DISCLOSURE IS REQUIRED under NRS 113.065)3. Roof. Any problems with the roof'?4. Pool/spa: Any problems with structure, wall, liner, or equipment?5. Infestation: Any history of infestation (termites, carpenter ants, etc.)?6. Environmental: Any substances, materials, or products which may be an environmental

hazard such as, but not limited to, asbestos, radon gas, urea formaldehyde, fuel or chemicalstorage tanks, contaminated water or soil on the property?

7. Fungi / Mold: Any previous or current fungus or mold?8. Any features of the property shared in common with adjoining landowners such as walls, fences,

road, driveways or other features whose use or responsibility for maintenance may have an effecton the property

9. Common Interest Communities: Any ''common areas'' (facilities like pools, tennis courts,walkways or other areas co-owned with others) or a homeowner association which has anyauthority over the property(a) Common Interest Community Declaration and Bylaws available?(b) Any periodic or recurring association fees?(c) Any unpaid assessments, fines or liens, and any warnings or notices that may give rise to an

assessment, fine or lien?(d) Any litigation, arbitration, or mediation related to property or common area?(c) Any assessments associated with the property (excluding property taxes)?(f) Any construction, modification, alterations, or repairs made without

required approval from the appropriate Common Interest Community board or committee?I 0. Any problems with water quality or water supply?I 1. Any other conditions or aspects of the property which materially affect its value or

use in an adverse manner?12. Lead-Based Paint: Was the property constructed on or before 12/31/77?

(If yes, additional Federal EPA notification and disclosure documents are required)OtherDomestic Well13. Water source: Municipal Community Well

Permanent CanceledRevocableIf Community Well: State Engineer Well Pen-nit #Use of community and domestic wells may be subject to change. Contact the Nevada Division of Water Resourcesfor more information regarding the future use of this well.

Other14. Waste water disposal: Municipal Sewer Septic System

EXPLANATIONS: Any ''Yes'' must be fully explained. Attach explanations to form.

Seller(s) Initials Buyer(s) Initials

Page 2 of 4Nevada Real Estate DivisionReplaces all previous versions

Page 2 of 4

(g) Is the property adjacent to ''open range'' land?

Seller Real Property Disclosure FormRevised 05/06 547

Buyers and sellers of residential property are advised to seek the advice of an attorney concerning their rights and obligations as set forth m Chapter 113 of the Nevada Revised Statutes regarding the seller's obligation to execute the Nevada Real Estate Division's approved ''Seller's Real Property Disclosure Form'' For your convenience, Chapter 113 of the Nevada Revised Statutes provides as follows:

CONDITION OF RESIDENTIAL PROPERTY OFFERED FOR SALENRS 113.100 Definitions. As used in NRS 113.100 to 113.150, inclusive, unless the context otherwise requires:

1. ''Defect' ' means a condition that materially affects the value or use of residential property in an adverse manner.2. ''Disclosure form means a form that complies with the regulations adopted pursuant to NRS 113.120.3. ''Dwelling unit 'means any building, structure or portion thereof which is occupied as, or designed or intended for occupancy as, a residence by

one person who maintains a household or by two or more persons who maintain a common household.4. ''Residential property'' means any land in this state to which is affixed not less than one nor more than four dwelling units.5. ''Seller'' means a person who sells or intends to sell any residential property.(Added to NRS by 1995, 842; A 1999, 1446)

NRS 113.110 Conditions required for ''conveyance of property'' and to complete service of document. For the purposes of NRS 113.100 to 113,150,inclusive:

1. A ''conveyance of property'' occurs:(a) Upon the closure of any escrow opened for the conveyance; or(b) If an escrow has not been opened for the conveyance, when the purchaser of the property receives the deed of conveyance,2. Service of a document is complete:(a) Upon personal delivery of the document to the person being served; or(b) Three days after the document is mailed, postage prepaid, to the person being served at his last known address.(Added to NRS by 1995, 844)

NRS 113.120 Regulations prescribing format and contents of form for disclosing condition of property. The Real Estate Division of the Department ofBusiness and Industry shall adopt regulations prescribing the format and contents of a form for disclosing the condition of residential property offeredfor sale. The regulations must ensure that the form:

1. Provides for an evaluation of the condition of any electrical, heating, cooling, plumbing and sewer systems on the property, and of the condition ofany other aspects of the property which affect its use or value, and allows the seller of the property to indicate whether or not each of those systems andother aspects of the property has a defect of which the seller is aware.

2. Provides notice:(a) Of the provisions of NRS 113,140 and subsection 5 of NRS 113.150.(b) That the disclosures set forth in the form are made by the seller and not by his agent.(c) That the seller's agent, and the agent of the purchaser or potential purchaser of the residential property, may reveal the completed form and itscontents to any purchaser or potential purchaser of the residential property.(Added to NRS by 1995, 842)

NRS 113.130 Completion and service of disclosure form before conveyance of property; discovery or worsening of defect after service of form;exceptions; waiver.

1. Except as otherwise provided in subsections 2 and 3 -(a) At least I 0 days before residential property is conveyed to a purchaser:

(1) The seller shall complete a disclosure form regarding the residential property; and(2) The seller or his agent shall serve the purchaser or his agent with the completed disclosure form.

(b) If, after service of the completed disclosure form but before conveyance of the property to the purchaser, a seller or his agent discovers a newdefect in the residential property that was not identified on the completed disclosure form or discovers that a defect identified on the completeddisclosure form has become worse than was indicated on the form, the seller or his agent shall inform the purchaser or his agent of that fact, in writing,as soon as practicable after the discovery of that fact but in no event later than the conveyance of the property to the purchaser. If the seller does notagree to repair or replace the defect, the purchaser may:

(1) Rescind the agreement to purchase the property; or(2) Close escrow and accept the property with the defect as revealed by the seller or his agent without further recourse.

2. Subsection 1 does not apply to a sale or intended sale of residential property:(a) By foreclosure pursuant to chapter 107 of NRS.

(c) Which is the first sale of a residence that was constructed by a licensed contractor.(d) By a person who takes temporary possession or control of or title to the property solely to facilitate the sale of the property on behalf of a person who relocates to another county, state or country before title to the property is transferred to a purchaser.3. A purchaser of residential property may waive any of the requirements of subsection 1. Any such waiver is effective only if it is made in a writtendocument that is signed by the purchaser and notarized. (Added to NRS by 1995, 842; A 1997, 349)

Buyer(s) InitialsSeller(s) Initials

Nevada Real Estate DivisionReplaces all previous versions

Page 3 of 4

Page 3 of 4

(b) Between any co-owners of the property, spouses or persons related within the third degree of consanguinity.

4. If a sale or intended sale of residential property is exempted from the requirements of subsection 1 pursuant to paragraph (a) of subsection2, the trustee and the beneficiary of the deed of trust shall, not later than at the time of the conveyance of the property to the purchaser of the residentialproperty, provide written notice to the purchaser of any defects in the property of which the trustee or beneficiary, respectively, is aware..

(Added to NRS by 1995, 842; A 1997, 349; 2003, 1339; 2005, 598)

Seller Real Property Disclosure Form Revised 05/06 547

NRS 113.135 Certain sellers to provide copies of certain provisions of NRS and give notice of certain soil reports; initial purchaser entitled torescind sales agreement in certain circumstances; waiver of right to rescind.

1. Upon signing a sales agreement with the initial purchaser of residential property that was not occupied by the purchaser for more than 120 daysafter substantial completion of the construction of the residential property, the seller shall:

(a) Provide to the initial purchaser a copy of NRS 11.202 to 11.206, inclusive, and 40.600 to 40.695, inclusive;(b) Notify the initial purchaser of any soil report prepared for the residential property or for the subdivision in which the residential property is

located; and(c) If requested in writing by the initial purchaser not later than 5 days after signing the sales agreement, provide to the purchaser without cost each

report described in paragraph (b) not later than 5 days after the seller receives the written request.2. Not later than 20 days after receipt of all reports pursuant to paragraph (c) of subsection 1, the initial purchaser may rescind the sales agreement.3. The initial purchaser may waive his right to rescind the sales agreement pursuant to subsection 2. Such a waiver is effective only if it is made in a

written document that is signed by the purchaser.(Added to NRS by 1999,1446)

113.140 Disclosure of unknown defect not required; form does not constitute warranty.1. NRS 113.130 does not require a seller to disclose a defect in residential property of which he is not aware.2. A completed disclosure form does not constitute an express or implied warranty regarding any condition of residential property.3. Neither this chapter nor chapter 645 of NRS relieves a buyer or prospective buyer of the duty to exercise reasonable care to protect himself

(Added to NRS by 1995, 843; A 2001, 2896)113.150 Remedies for seller's delayed disclosure or nondisclosure of defects in property; waiver.

1. If a seller or his agent fails to serve a completed disclosure form in accordance with the requirements of NRS 113.130, the purchaser may, at anytime before the conveyance of the property to the purchaser, rescind the agreement to purchase the property without any penalties.

2. If, before the conveyance of the property to the purchaser, a seller or his agent informs the purchaser or his agent, through the disclosure form oranother written notice, of a defect in the property of which the cost of repair or replacement was not limited by provisions in the agreement to purchasethe property, the purchaser may:

(a) Rescind the agreement to purchase the property at any time before the conveyance of the property to the purchaser; or(b) Close escrow and accept the property with the defect as revealed by the seller or his agent without further recourse.3. Rescission of an agreement pursuant to subsection 2 is effective only if made in writing, notarized and served not later than 4 working days after

the date on which the purchaser is informed of the defect:(a) On the holder of any escrow opened for the conveyance; or(b) If an escrow has not been opened for the conveyance, on the seller or his agent.4. Except as otherwise provided in subsection 5, if a seller conveys residential property to a purchaser without complying with the requirements of

NRS 1 1 3.130 or otherwise providing the purchaser or his agent with. written notice of all defects in the property of which the seller is aware, and thereis a defect in the property of which the seller was aware before the property was conveyed to the purchaser and of which the cost of repair orreplacement was not limited by provisions in the agreement to purchase the property, the purchaser is entitled to recover from the seller treble theamount necessary to repair or replace the defective part of the property, together with court costs and reasonable attorney's fees. An action to enforcethe provisions of this subsection must be commenced not later than I year after the purchaser discovers or reasonably should have discovered the defector 2 years after the conveyance of the property to the purchaser, whichever occurs later.

5. A purchaser may not recover damages from a seller pursuant to subsection 4 on the basis of an error or omission in the disclosure form that wascaused by the seller's reliance upon information provided to the seller by:

(a) An officer or employee of this state or any political subdivision of this state in the ordinary course of his duties; or(b) A contractor, engineer, land surveyor, certified inspector as defined in NRS 64513.040 or pesticide applicator, who was authorized to practice that

profession in this state at the time the information was provided.6. A purchaser of residential property may waive any of his rights under this section. Any such waiver is effective only if it is made in a written

document that is signed by the purchaser and notarized. (Added to NRS by 1995, 843; A 1997, 350,1797)

The above information provided on pages one (1) and two (2) of this disclosure form is true and correct to the best of seller's knowledgeas of the date set forth on page one (1). SELLER HAS DUTY TO DISCLOSE TO BUYER AS NEW DEFECTS AREDISCOVERED AND/OR KNOWN DEFECTS BECOME WORSE (See NRS 113.130(l)(b)).

Date:Seller(s):

Date:Seller(s):

BUYER MAY WISH TO OBTAIN PROFESSIONAL ADVICE AND INSPECTIONS OF THE PROPERTY TO MORE FULLY DETERMINE THE CONDITION OF THE PROPERTY AND ITS ENVIRONMENTAL STATUS. Buyer(s) has/have read and acknowledge(s) receipt of a copy of this Seller's Real Property Disclosure Form and copy of NRS Chapter 113.100-150, inclusive, attached hereto as pages three (3) and four (4).

Date:Buyer(s):

Date:Buyer(s):

Nevada Real Estate DivisionReplaces all previous versions

Page 4 of 4

Page 4 of 4

Seller Real Property Disclosure FormRevised 05/06 547

Property AddressPrinted name of Buyer(s)Printed name of Buyer(s) Agent and BrokeragePrinted name of Seller(s)Printed name of Seller(s) Agent and Brokerage

MOLD

Initials Seller Initials Buyer Page 1 of 3 DISCLOSURE/ WAIVER

All Inclusive Disclosure/Waiver

BUYER is informed that various fungal and mold contaminants are present in Southern Nevada including but not limited to Stachybotrys chartarum, Aspergillus, Penicillium, commonly known as MOLD. All potential purchasers are informed that a microbial survey may be obtained to gain information, in addition of that contained in the Seller's Real Property Disclosure Statement or a property inspection report, concerning Fungal & Mold Contaminants and whether mold or fungal are both present and are materially affecting the property. Microbial service providers may be found by searching phone book or the internet under mold and Environmental and Ecological Services.

Seller and Buyer declare, by initialing in the appropriate box, that this is purely a notification of possible fungal and mold contaminants issues and only a professional inspector should be relied upon for specific identification of any issue:

PEST / INSECT SPECIES

Seller and Buyer declare, by initialing in the appropriate box, that this is purely a notification of possible pests and or infestations issues and only a professional inspector should be relied upon for specific identification of any issue:

BUYER is informed that various pest/insect species (''Pest'') exist in Southern Nevada. Said Pests include but are not limited to scorpions (approximately 23 species including bark scorpion or centruroides excilicauda), spiders (including black widow and brown recluse) and termites, only to name a few. All potential purchasers are recommended to gain a pest control report to verify the infestation and/or presence of pests. The potential purchaser is informed that pests may inhabit any real and personal property in Southern Nevada regardless of statements in the Property Disclosure Statement or information contained in a pest control report. For more information in Southern Nevada, you may contact the State of Nevada Division of Agriculture at (702) 458-4690 and ask to speak to an entomologist or agriculturalist. Or on the internet at http://agri.nv.gov/PLANT_PestControl_Index.htm .

Page 1 of 3 DISCLOSURE/ WAIVER

Buyer(s) Initials

Seller(s) Initials

Buyer(s) Initials

Seller(s) Initials

Construction Defect Litigation NRS 40BUYER is informed that the Property and or a Common Interest Community (CIC) linked to the Property may be or may have been involved in various Construction Defect law suits which change from time to time. These include, for example, Galvanic corrosion (Kitec Plumbing www.plumbingdefect.com) and Weep Screed (stucco system). The Property may alsobe located within a neighborhood wherein various homeowners are involved in construction defect litigation although the property you are purchasing elected to not join some or all litigation.Seller declares, by initialing the appropriate box, that to the best of their actual knowledge:

Initials Seller Initials Buyer Page 2 of 3 DISCLOSURE/ WAIVER

Page 2 of 3 DISCLOSURE/ WAIVER

If Property is located within a Common Interest Community (CIC). Buyer is made aware that the CIC’s by-laws and CCR's may restrict the percentage of non-owner occupied residences with the CIC. Buyer declares and understands it is Buyer responsibility to ensure that their intended use for the property is in compliance with all by-laws affecting the property. Buyer hereby acknowledges that neither the real estate Brokers, nor their representatives, agents or employees, have made any representations concerning any aspect of the Buyers intended use of the property and hereby releases Broker and their representatives, agents or employees from any and all claims, present or future, regarding any aspect of intended or actual use of the property. Seller declares, by initialing the appropriate box below, that to the best of their actual knowledge:

Property is affected by CIC non-owner occupied restrictions

Property is not affected by CIC non-owner occupied restrictions

Common Interest Community – Non-Owner Occupied Restrictions

The Consumer Product Safety Commission (CPSC), together with the Environmental Protection Agency (EPA) and the Department of Health and Human Services (HHS), have received incident reports from consumers who believe their health symptoms or the corrosion of certain metal components in their homes are related to the presence of drywall. CPSC and its partner agencies are developing guidance for identification and remediation of the problem drywall. Information as to this issue can be found at http://www.cpsc.gov/ and http://www.cpsc.gov/info/drywall/index.html"

Seller and Buyer declare, by initialing in the appropriate box, that this is purely a notification of possible drywall issues and only a professional inspector should be relied upon for specific identification of any issue:

Drywall

Seller(s) Initials

Buyer(s) Initials

Page 3 of 3 DISCLOSURE/ WAIVER Revised 02/11/2010

Initials Seller Initials Buyer

Page 3 of 3 DISCLOSURE/ WAIVER

BELTWAY DISCLOSURE & AIRPORT NOISE Proposed Clark County Road Construction & Airport Noise

The Regional Transportation Commission of Southern Nevada (RTC) is the transportation-planning agency for Southern Nevada. In conjunction with Nevada, Clark County, Las Vegas, Henderson and North Las Vegas RTC is constructing local, collector, and arterial roadways throughout the Las Vegas Valley and Boulder City. Projects include the Bruce Woodbury Beltway, Harmon Valley View, the 5th Street arterial, the US 95 widening, and the Boulder City Bypass to namea few. The Clark County Department of Aviation is responsible for the management of 6 aviation facilities including McCarran International Airport which create noise from aircraft. Flight paths are public record. There are too numerous RTC projects and airports in the Las Vegas Valley to detail in this disclosure. For your information and assistance we have compiled various phone numbers and web sites. Any personal concern of your future home being affected by the location of roadway construction/airport noise should be investigated by you, the prospective buyer, through the agencies listed. Buyer declares by initialing the boxes below:

I am informed of roadway arterials and the existence of airport noise. I have received a copy of thisform and acknowledge that I have been made aware of proposed road construction.

I am informed that if I have any questions or concerns I should utilize the numbers or websites listed toinquire about proposed, current roadway construction and airport noise.

I understand that road construction maps can be located at the RTC www.rtcsouthernnevada.com/mpo/construction/ and flight path information can be found at McCarran.com at http://www.mccarran.com/04_05_05_noise.htm. If I would like more information I will personally seek out the map of my choice on the internet.

I Sign this Disclosure with the understanding that if I have any questions or concerns I should consult with a professional of my choice.

I Sign this Disclosure with the understanding that if I have any questions or concerns I should consult with a professional of my choice.

In the event this form is signe d by Buyer prior to Seller or if Seller refuses to sign this form, Buyer acknowledg es that theinformation on this form is not only that provided by a Seller but a general warning and informative statement that the topicsin the form may adversely affect the property. Buyer is advised to gain any and all inspections and requests for informationthat will assist Buyer in making the dete rmination to purchase. Brok er has created this form to assist Buyer in beinginformed of various topics that have and are affecting real property in this area of Nevada.

Seller's Printed Name

Date: Date:Seller's Signature

Seller's Printed Name

Seller's Signature

Buyer's Printed Name

Buyer's Signature

Buyer's Printed Name

Buyer's SignatureDate: Date:

If your untimely delivery of these documents causes any delays in the transaction, or if they do not contain the information necessary to enable me to comply with NRS 116, you are placed on notice that the CIC will be held responsible. Should you have any questions, please do not hesitate to contact me. Sincerely yours,

''Certificate of Resale'' within 10 days of receipt of this request. It must contain the above information and must be mailed to the following address:

Addendum to Listing Agreement For Common Interest Community Properties

Property Address

Listing Agent:Seller(s):

Nevada Revised Statutes, Sections, 116.4109 and 116.41095 require certain documents and certificates ("resale package") to be made available to prospective purchasers of property within a common interest ownership community. The Seller of such property is required to make these documents available and the Homeowners Association or its managers must provide these documents upon request by the property owners. As the Seller, you may be charged a fee by your Homeowners Association prior to your receipt of these documents. The undersigned Seller(s) agrees to obtain and provide to the listing agent these documents listed below for delivery to the buyer or buyer's agent no later than ten (10) days of an accepted purchase agreement.

Both Association and Seller are required to provide a separate disclosure of any known defects as may be required under NRS 40 relating to construction defects.

Date

Seller Signature

Date

Seller Signature

Common Interest Community,Dear

, please provide my real estate agent aI am selling my property at

DateHome Owner Signature

Rev Oct 10, 2005

1. Declaration of Restrictions (CC & Rs)

2. Association By-Laws

3. Rules and Regulations of the Association 4. Statement of monthly assessments for common expenses and any unpaid assessments

5. Current operating budget

6. Current financial statement of the Association, including a summary of the reserves study

7. Statement showing any unsatisfied judgments or lawsuits against the association 8. Statement of the status of any pending legal action against the Association or relating to the common interest community of which the seller has actual knowledge

My Agent's AddressMy Address

Company:

ESTIMATED COSTS AND NET PROCEEDS

Price $Prepared for

Property Address

VA (V) Seller FinancingFHA (F)Conv. (C) Assumption (A)Terms: Cash($)BUYER SELLER

Down PaymentMORTGAGE COSTS

days @

Loan Origination FeeLoan Discount PointsAppraisal FeeCredit ReportVA Funding Fee (may be financed)FHA Mortgage Ins. Premium (may be financed)Lender Document Preparation FeeLoan Processing/Application FeeExisting Mortgage Prepayment FeeAssumption FeeTax ServiceInterest for

per monthmonths @ $InsuranceMortgage Insurance Impound

Recording FeeEscrow FeeALTA Lender's PolicyBuyer’s Closing Costs (when incl. in price)Title Insurance PolicyReal Property Transfer Tax ($5.10 per $1000)Reconveyance FeeProration (Interest/Assessments)Setup/Collection FeesFlood Certification

Brokerage FeeTransaction Fee

Common Interest Community Document FeeCommon Interest Community Transfer FeeHome InspectionHome Warranty PlanRepairs (Negotiable in purchase agreement)Termite Inspection

TOTAL ESTIMATED COSTS

months @ $ per month

TITLE COSTS

BROKER'S FEES

MISCELLANEOUS COSTS

$AVFC

VFC

AVFCVF

VFC

C

AC

VFCVFCVFCCF

$AVFC$AFCVFC

ACF

$AVFC

VFC

VFVF

AVF

$AVFC$AVFC

VFC$AVFC$AVFC

AV

$AVFC$AVFC

Client Initials Date:

Costs/Net Sheet Rev. 3/07 © 2007 Greater Las Vegas Association of REALTORS®

Phone: Fax:Produced with ZipForm™ by RE FormsNet, LLC 18025 Fifteen Mile Road, Clinton Township, Michigan 48035 www.zipform.com

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% per dayTaxes

Client Initials Date:

Well/Septic Inspection

Page 1 of 3

VF

Century 21 Consolidated 2820 E Flamingo Rd Ste D, Las Vegas NV 891217027327282 7027328466 Michelle Francis Mesquite.zfx

BUYER

Approximate amount needed to close escrow:

(total from page 1)$Estimated Sales Proceeds:Approximate Monthly Payment:

Interest Rate @ $ Sales Price% P & ICurrent Loan Balance (1st)Taxes

SubtotalInsurance

Less Estimated CostsPMI / MMI

Less Final Mtg. Pymt.CIC Dues

Less Seller FinancingSID / LID

Estimated ProceedsEst. Monthly Obligation

Note: This estimate is prepared in good faith; however, neither the Greater Las Vegas Association ofREALTORS® nor Broker(s) or agent(s) assume any responsibility for unintentional errors nor do they guaranteeany specific costs or proceeds.

NOTE TO SELLER: Seller financing costs will vary. The above estimates are based upon loan balance figuresthat have been supplied by you, and do not take into consideration any delinquent payments, prepayment penaltyor impound account. Should an existing FHA loan be paid off, the Seller may be entitled to a refund of anyunused Mortgage Insurance Premium; FHA charges interest through the end of the month in which the note ispaid off.

a.m. p.m.SELLER SIGNATURE TIMEDATEBUYER

SELLER’S AGENT NAME (Print)BUYER’S

COMPANY NAME (Print)

ESTIMATED COSTS AND NET PROCEEDS

SELLER

$$$$$$

$$

$$$$$

BUYER SELLER SIGNATURE

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Summary

Current Loan Balance (2nd) $( )( )

( )( )( )

Name (Print):

Name (Print):

a.m. p.m.DATE TIME

Client Initials Date: Client Initials Date:

Costs/Net Sheet Rev. 3/07 Page 2 of 3 © 2007 Greater Las Vegas Association of REALTORS®Mesquite.zfx

ALTA Lender’s Policy: Insurance that protects the lender against any claims that arise from arguments about ownership ofthe property. The cost is based on the loan amount.

ESTIMATED COSTS AND NET PROCEEDS

Produced with ZipForm™ by RE FormsNet, LLC 18025 Fifteen Mile Road, Clinton Township, Michigan 48035 www.zipform.com

Glossary of Terms

Client Initials Date: Client Initials Date:

Costs/Net Sheet Rev. 3/07 Page 3 of 3 © 2007 Greater Las Vegas Association of REALTORS®

Appraisal Fee: Fee charged for preparing an appraisal, which gives an estimate of the property’s fair market value; anappraisal is generally required by a lender before a loan can be approved.Assumption Fee: Fee that may be charged when a buyer is assuming a mortgage from a seller.Brokerage Fee: Compensation payable to the real estate broker(s) for services rendered in the sale of property.Common Interest Community Document Fee: Fee charged by a common interest community to prepare a resale packageaccording to NRS 116.4109.Common Interest Community Transfer Fee: An administrative service fee charged by a common interest community totransfer ownership records.Down Payment: The amount of cash a buyer will pay at the time of closing.Escrow Fee: Fee charged by an escrow company to facilitate the closing of a real estate transaction.Existing Mortgage Prepayment Fee: A penalty that may be assessed when paying off a mortgage note before the due date.Mortgage Insurance Premium (MIP): A monthly payment for mortgage insurance. Mortgage insurance protects lendersagainst some or most of the losses that can occur when a borrower defaults. Mortgage insurance is required primarily forborrowers with a down payment of less than 20% of the purchase price.Flood Certification: A fee charged by the title company to determine whether a property is in a flood plain.Home Inspection: A fee charged by a home inspector who examines the structure and mechanical systems to determine ahome’s safety, and to notify the buyer of any repairs that may be needed.Home Warranty Plan: Offers protection for mechanical systems and attached appliances against unexpected repairs notcovered by homeowner’s insurance. Coverage extends for a specific period of time.Insurance: Also known as homeowner’s or hazard insurance. A policy that combines protection against damage to a dwellingand its contents with protection against claims of negligence or inappropriate action that results in someone’s injury orproperty damage.Interest: A fee charged for the use of money. At closing, the interest will be prorated until the first mortgage payment duedate.Lender Document Preparation Fee: An administrative fee charged to prepare the actual loan documents for signature.Loan Discount Points: Discount points are paid to reduce the interest rate on a loan, and are generally calculated to be theequivalent to 1% of the total loan amount.Loan Origination Fee: The charge for preparing, submitting and evaluating a loan application. The fee compensates the loanofficer and is usually calculated as a percentage of the new loan amount.Loan Processing/Application Fee: The charge for processing a loan and preparing it for underwriting.Impound: Amounts paid by a borrower as part of the monthly mortgage payment and held in an escrow account to payinsurance (homeowner’s and mortgage, if applicable) and taxes to cover those fees when due.Real Property Transfer Tax (RPTT): (Also known as the Nevada Transfer Tax) A tax required to be paid any time propertyis conveyed from one owner to another. Rates vary by county. The current rate is $5.10 per $1,000 in Clark County.Non-recurring costs: One time expenses that are paid at the close of escrow.Proration: A proportional division of a fee or assessment, such as taxes.Reconveyance Fee: A fee charged by a mortgage holder to convey the property to the owner when a loan is paid off.Recurring costs: Ongoing expenses.Recording Fee: A fee charged by the County Recorder to file and record written documents on the public record. The fee isbased on the number of pages recorded.Setup/Collection Fees: An account servicing fee charged by a title company, when there is seller participation in a loan.Tax Service: A fee charged to set up monitoring of a borrower’s tax payments, to prevent tax liens to the lender’s detriment.Taxes: An annual assessment on real property that is paid to the county.Title Insurance Policy: A homebuyer’s policy that protects against any claims that arise from arguments about ownership ofthe property.Transaction Fee: A fee that may be charged by a brokerage to cover document protection and storage, transactioncoordination, etc.VA Funding Fee: A charge levied by the Veterans’ Administration to insure a VA loan, paid instead of MIP. The amount iscalculated as a percentage of the loan amount.

Mesquite.zfx

Seller / Landlord

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

Seller's Disclosure(a) Presence of lead-based paint and/or lead-based paint hazards (check (i) or (ii) below):

Known lead-based paint and/or lead-based paint hazards are present in the housing (explain).

(b) Records and reports available to the seller (check (i) or (ii) below):Seller has provided the purchaser with all available records and reports pertaining to lead-based paint and/or lead-based paint hazards in the housing (list documents below).

Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing.

Purchaser's / Tenant's Acknowledgment (initial)(c) Purchaser has received copies of all information listed above.(d) Purchaser has received the pamphlet Protect Your Family from Lead in Your Home.

Agent's Acknowledgment (initial)(f) Agent has informed the seller of the seller's obligations under 42 U.S.C. 4852d and is aware

of his/her responsibility to ensure compliance.

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

Date Seller / Landlord Date

Purchaser / Tenant Date Purchaser / Tenant Date

Agent Date Agent Date

(i)

(ii) Seller has no knowledge of lead-based paint and/or lead-based paint hazards in the housing.

(i)

(ii)

(e) Purchaser has (check (i) or (ii) below):(i) received a 10 day opportunity (or mutually agreed upon period) to conduct a risk assessment

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

lead-based paint and/or lead-based paint hazards.

Affiliated Business Arrangement Disclosure Statement

NOTICE

To:

Property Address:

Date:

From: Prudential, Americana Group, REALTORS®, Shelter Mortgage Company, L.L.C. – Prudential, Americana Group, REALTORS® Division, Equity Title of Nevada, LLC We are pleased to recommend financing through Shelter Mortgage, and title and/or escrow/closing services through Equity Title

SHELTER MORTGAGE This is to give you notice that Prudential, Americana Group, REALTORS® and a limited amount of its Licensees/Employees ("Americana") have a business relationship with Shelter Mortgage Company, LLC. ("SMC") via Americana M JV 2008, LLC, which holds a 50% Interest in SMC and therefore shares in certainprofits and losses that may be generated from your loan. Because of this relationship, this referral may provide Americana a financial or other benefit.

A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.

B. Set forth on the attached form is the estimated charge or range of charges for the settlement services of an attorney, credit reporting agency, or real estate appraiser that we, as your lender, will require on this property, to represent our interests in the transaction. C. A lender is allowed to require the use of an attorney, credit report agency, or real estate agent hosen to represent the lender’s interest.

EQUITY TITLE OF NEVADA, LLC This is to give you notice that Prudential, Americana Group, REALTORS® and a limited amount of its Licensees/Employees ("Americana") have a business relationship with Equity Title, LLC ("ET") via A-Title, LLC, which holds a 40% interest in ET and therefore shares in certain profits and losses that may be generated from your escrow fees. Because of this relationship, this referral may provide Americana a financial or other benefit. You are not required to use ET as a condition for purchase or sale of the subject property. There are several companies that provide similar services of Equity Title in this area of Nevada. You may be able to get these services at a lower rate by shopping with other settlement service providers.

ACKNOWLEDGMENT I/we ha ve re ad this disclosure form, an d understand t hat America na is re ferring me/us to pu rchase theabove-described settle ment service(s) an d may receive a financial or othe r benefit as the result of thisreferral.

DateSignature Signature Date

Loan Origination : 0%-1% Commitment Fee: 0%-1% Tax Service Fee: $98 Loan Discount Points : 0%-4% Flood Certification Fee: $11 Appraisal Fee : $300- $1,200 Credit Report: $35-$85 Wire Fee: $38.50 MERS Fee: $4.95 Lender Fees (Including Document Preparation Fee, Underwriting Fee and Processing Fee): $0 - $745

Revised 01/2010

Disclosure of Interest AFFILIATED BUSINESS ARRANGEMENT DISCLOSURE

STATEMENT FORMAT LENDER / SETTLEMENT / TITLE – SERVICES

PROPERTY ADDRESS: ______________________________________________________ Interest Disclosure: This is to give you notice that Prudential, Americana Group, REALTORS® (“Prudential”), involved in this transaction may receive a pecuniary return on its investment in Equity Title and/or Shelter Mortgage. Prudential and/or its agents may also receive a pecuniary return indirectly from Mountain View Mortgage, and Wells Fargo Home Loan although not directly from the loan at issue. You are not required to use any title company nor any particular lender as a condition for purchase or sale of the subject property. There are several companies that provide similar services in the Las Vegas, Nevada metropolitan area. The Buyer and/or Seller hereby acknowledge the disclosure of the above-described interest and make the decision to utilize Equity Title, Shelter Mortgage and/or Mountain View Mortgage independent of any representations of the real estate broker(s) involved in this transaction. I SIGN THIS DISCLOSURE WITH THE UNDERSTANDING THAT IF I HAVE ANY QUESTIONS OR CONCERNS I SHOULD CONSULT WITH A PROFESSIONAL OF MY CHOICE. __________________________________ ______________________________________ Client – Printed Name Client – Printed Name __________________________________ ______________________________________ Client – Signature Date Client – Signature Date

Z:\PEG MainShare\PEG_AssocWorkFormTemplates\PEG_ContractNegotiationForms\BRH_OffersResidential\BRH Disclosure of Interest.doc DL Rev: 1/8/2009 CCC

BROKER ADMINISTRATIVE CHARGE

The real estate industry is contractually based. The level of quality of service offered by a broker varies. There are numerous services a brokerage can offer that are not required by Nevada law. A Nevada real estate broker is required to perform various duties per Nevada and Federal law . At Prudential, Americana Group, REALTORS® the quality of each transaction is a focus as each transaction has a great volume of paper and individual importance. The Americana Broker Administrative Charge (“BAC”) is assessed by Prudential, Americana Group, REALTORS® to its buyer and seller clients in exchange for real estate services provided and actually performed. The Fee is the result of the client engaging Americana for these services and is in excess of the listing, cooperative and/or buyer broker commissions typically paid by sellers and buyers. It is a form of commission for the real estate services provided by Americana for a buyer and/or seller. It is for services actually performed and is the result of the client engaging Americana

.Americana focuses on quality from start to finish of each transaction. The BAC assists in the availability of contemporary training; management; forms; timely organization and electronic storage. This allows the Americana agent to perform services and advise clients in an educated and up to date manner. Americana’s operation includes offices through out the Las Vegas Valley each with its own broker/corporate broker management as required by law but also supplemented by in-house chief financial officer, trainer, operations officer; IT director; general sales manager and legal counsel. It also includes a complex centralized brokerage administration where each file is tracked electronically through its life to assist in timely communication with the client and the gaining/delivery of information. During the tracking phase the management of each office and Americana’s brokerage department scrutinizes a transaction. Many transactions are reviewed by the corporate broker; in connection with its in-house legal department. Currently a portion of the files are electronically stored for timely access to the process. As a result of Americana's system we are proud to say that we have one of the lowest levels of incidence reports per volume for any real estate brokerage firms in the state of Nevada. As an added benefit, Americana is a subscriber of errors and omissions insurance and in the event a mistake occurs, Americana is insured for the benefit of all parties. Although these benefits may be hidden due to the lack of controversy in a particular transaction the standards employed by Americana in managing each file is present, guiding the transaction in its creation and five years of storage.

http://www.leg.state.nv.us/nrs/nrs-645.html; http://www.leg.state.nv.us/nac/NAC-645.ht ml; http://www.leg.state.nv.us/NRS/NRS-116.html ; http://www.leg.state.nv.us/NAC/NAC-116.h tml;http://www.leg.state.nv.us/NRS/NRS-113.html; http://www.leg.state.nv.us/NAC/NAC-113 .html;http://www.hud.gov/offices/adm/hudclips/handbooks/hsgh/4000.2/40002hbHSGH.pdf; http://www.hud.gov/ ____________________________________ ___________________________________ Signature Date Signature Date

Explanation Of BROKER ADMINISTRATIVE CHARGE

Rev 04/01/2008

Prudential, Americana Group, REALTORS® Broker Administrative Charge: $

BROKER ADMINISTRATIVE CHARGE

PROPERTY ADDRESS:

Escrow Company:

Escrow Co. Address:

Escrow Officer:Escrow Number:

Client Name(s):

Office:Sales Executive Name:

DESCRIPTION

ITEM

BROKER ADMINISTRATIVE

CHARGE

(Shown on estimated net proceeds to be paid through escrow)

This fee is not required by the State or Federal Government to ensure that prospective purchasers' and sellers' transactions comply with Federal or

State laws and regulations.

The Broker Administrative Charge is assessed by Prudential, Americana Group, REALTORS® to its buyer and seller clients in exchange for real

estate services provided and actually performed. The Fee is the result of the client engaging Americana for these services and is in excess of the listing, cooperative and/or buyer broker commissions typically paid by

sellers and buyers.

visit our web site www.americanagroup.com

DATECLIENT SIGNATURE

DATECLIENT SIGNATURE

Escrow Information to be determined upon opening of Escrow

Escrow Information to be determined upon opening of Escrow

Escrow Information to be determined upon opening of Escrow

Addendum to Listing Agreement (Seller Opt Out) © 2008 Greater Las Vegas Association of REALTORS®

ADDENDUM TO LISTING AGREEMENT—SELLER OPT OUTS This Addendum is hereby made a part of to the Listing Agreement between ________________________ _____________________ as Seller and ____________________________________as Broker, dated _______________regarding the real property at ______________________________________ (“the Property”). 1. Seller understands and acknowledges that Broker will submit the Property’s listing information to the Multiple Listing Service (MLS) in which Broker participates, unless Seller instructs Broker to exclude the listing. 2. Seller further understands and acknowledges that MLS will disseminate the Property’s listing information to those MLS brokers and agents (and/or their web vendors) who operate Internet sites, as well as online providers such as realtor.com and lasvegasrealtor.com, and that such sites are generally available to the public. Some, but not all, of these websites may include a commentary section where consumers may include reviews and comments about the Property in immediate conjunction with the listing (blogging), or provide a link to the comments. In addition, some, but not all, of these websites may display an automated estimate of the market value of the Property in immediate conjunction with the listing, or provide a link to the estimate. 3. Seller may opt-out of any of the following by initialing the appropriate space(s) below: a.________ ________ I/we have advised the Broker or sales agent that I/we DO NOT want the listed Property to be displayed on the Internet (the listing will not appear on any Internet site). b.________ ________ I/we have advised the Broker or sales agent that I/we DO NOT want the address of the listed Property to be displayed on the Internet (listing information will be disseminated via Internet, but the Property address will not appear in conjunction with the listing). c.________ ________ I/we have advised the Broker or sales agent that I/we DO NOT want a commentary section displayed or linked to the listed Property (the site operator may indicate that the feature was disabled at the request of the seller). d.________ ________ I/we have advised the Broker or sales agent that I/we DO NOT want an automated estimate of value displayed or linked to the listed Property (the site operator may indicate that the feature was disabled at the request of the seller). —OR— ________ ________ Seller does NOT opt out of any of the above. 4. Seller understands and acknowledges that if option (a) above is selected, consumers who conduct searches for listings on the Internet will not see information about the listed property in response to their search. SELLER: Seller’s Signature ____________________________ Seller’s Signature _______________________________ Printed Name: _______________________________ Printed Name: _________________________________ Date: ______________ Time: ____________ Date: ______________ Time: ______________ BROKER: Designated Licensee Signature_____________________________ Date: _________________ Printed Name: __________________________________________ Broker’s Signature ______________________________________ Date: _________________ Printed Name: __________________________________________

Reminder to Broker/Agent: If Seller has selected either (a) or (b), a copy of this form MUST be provided to the MLS within 48 hours per MLS Rule 21.25. Fax to (702) 732-3154.

RESIDENTIAL DISCLOSURE GUIDE

Nevada Real Estate Division

State of Nevada Department of

Business & Industry Real Estate Division

I/We acknowledge that I/we have received a copy of the Residential Disclosure Guide. DATE ____________________ _______________________________________________ Client—Print Name _______________________________________________ Client—Signature

_______________________________________________ Client—Print Name _______________________________________________ Client—Signature

Make copy of page for additional signatures.

Retain original or copy in each transaction file.

Instruction to Exclude Listing from the MLSGLVAR maintains a multiple listing service (MLS) which is available to its broker and appraiser participants and their associates who agree to abide by the Rules and Regulations of the MLS. Such MLS Rules require the participants to submit to the service all of their listings of real or personal property, located within the MLS's territorial jurisdiction within 2 business days after all necessary signatures of seller(s) have been obtained on the listing. These listings are distributed to more than 11,000 agents. Such listing information may also be displayed on other approved websites by MLS participants.

The Rules and Regulations require that if a seller refuses to permit the listing to be disseminated by the MLS, the listing broker shall submit to the MLS within 2 business days this certification, signed by the seller, indicating that the seller does not authorize the listing to be disseminated by the MLS.

CertificationI understand the GLVAR multiple listing service provides a valuable service to sellers and buyers through dissemination of real property information to all agents who participate in the MLS.

I further understand that:

1. Not listing my property through the MLS may eliminate other offices and some prospective buyers from seeing my property;

2. By possibly reducing the number of prospective buyers, this may affect the timing, price and terms offered for my property;

3. Any offers to purchase my property, regardless of origin, must be presented in a timely manner to me, until I (seller) specifically decline to receive any further offers to purchase.

I hereby certify that it is our intent that the property be held off the Multiple Listing Service

From: To:

Address: City: Zip:

Contract listing date: Contract expiration date:

Seller (s) Signature: Date

Company Name:

Agent Name: Signature:Date

Broker Name: Signature:Date

Copyright by: GREATER LAS VEGAS ASSOCIATION OF REALTORS®

Authorization to Exclude Listing from the MLS

05/04

THIS FORM HAS BEEN APPROVED BY THE GREATER LAS VEGAS ASSOCIATION OF REALTORS® (GLVAR). NO REPRESENTATION IS MADE AS TO THE LEGAL VALIDITY OR ADEQUACY OF ANY PROVISION IN ANY SPECIFIC TRANSACTION. A REAL ESTATE BROKER IS THE PERSON QUALIFIED TO ADVISE ON REAL ESTATE TRANSACTIONS. IF YOU DESIRE LEGAL OR TAX ADVICE, CONSULT AN APPROPRIATE PROFESSIONAL. This form is available for use by the real estate industry. It is not intended to identify the user as a REALTOR®. REALTOR® is a registered collective membership mark which may be used only by members of the NATIONAL ASSOCIATION OF REALTORS® who subscribe to its Code of Ethics.

Prudential Americana Group, REALTORS

Forrest Barbee

Instruction to Exclude Photo from the MLS

GLVAR maintains a multiple listing service (MLS) which is available to its broker and appraiser participants and their associates who agree to abide by the Rules and Regulations of the MLS. Such MLS Rules require the participants to submit to the service all of their listings with at least one (1) Photo within seven (7) business days after Participant inputs the listing into the system. These listings are distributed to more than 15,000 agents. Such listing information may also be displayed on other approved websites by MLS participants. The Rules and Regulations require that if a seller refuses to permit a photo of the property to be uploaded into the MLS system, the listing broker shall submit either by mail or fax (702-732-3154) to the MLS within seven (7) business days this certification, signed by the seller, indicating that the seller does not authorize to have a Photo of the listing uploaded on the MLS.

Certification

I understand the GLVAR multiple listing service provides a valuable service to sellers but at this time the Seller(s) elect not to have a Photo of their property displayed on the MLS. MLS#: Public ID: Address City Zip Contract Listing Date Contract Expiration Date / / Seller (s) Signature Date Company Name Office Code / / Agent Name Signature Date / / Broker Name Signature Date Copyright by: GREATER LAS VEGAS ASSOCIATION OF REALTORS® Authorization to Exclude Photo from the MLS 06/06

_ Prudential Americana Group, REALTORS®

I HOLD HARMLESS AGREEMENT I LEASE OPTION

Prudential, Americana Group, REAL TORS® (Sales Executives and Americana referred to as "Americana") Parties: Seller: __________________________________ _

Buyer: _____________________________________ _

Listing Agent: _________________ Selling Agent: _______________ _ Subject Property: _______________________________ _

LEASE OPTION NOTICES: The Buyer and Seller acknowledge that a Lease Option can result in the loss of equity and/or foreclosure caused solely by either the Seller's or Buye~s conduct. The Seller and Buyer hereby specifically acknowledge that the ramifications of a Lease Option include but are not limited to: o There is no assurance that new financing will be available at the time the option period ripens which may result in loss of equity on the part of the Buyer.

o The Buyer may be treated as a Tenant in the event of Buyer's non-payment, which may result in loss of equity on the part of the Buyer.

o The Seller is obligated to pay the underlying mortgage payment even during any eviction that may occur. o The Home Owner's insurance will not automatically accept coverage of any personal item owned by the Buyer, that supplemental loss payee and/or renters insurance should be procured by the Seller/Buyer.

o Unless otherwise agreed in writing, the Property cannot be sold by the Seller during the Option period but may be sold by the Buyer. o Unless otherwise agreed in writing, the real estate commissions are due, in full, upon the procurement of a ready willing and able buyer through a Lease Option. o The Seller and Buyer assume these and any other risks known or unknown absolutely independent of Americana.

Seller's Initials D D Buyer's Initials D 0 SELLER SHOULD OBTAIN CREDIT REPORT: For the Protection of both the Buyer and the Seller, Americana recommends a credit report, concerning the Buyer's credit, be gained by the Seller and accepted or rejected, in writing, by the Seller. The Seller makes this decision absolutely independent of Americana. D D D 0

Seller's Initials Buyer's Initials

YOU SHOULD HAVE ATTORNEY REVIEW: For the protection of both the Buyer and the Seller Americana recommends the review of any non-traditional financing transactions by an attorney of the Buyer/Seller's choice. The Buyer and Seller make this decision independent of Americana 0 D D D

Seller's Initials Buyer's Initials

AGREEMENT TO HOLD HARMLESS: It is hereby understood that Americana and its agents take no position and have offered no advice concerning the legal and tax consequences of a Lease Option pertaining to the Property. The Seller and Buyer hereby hold Americana harmless and release Americana from any and all liability concerning this transaction. This is a binding contract and removes the Seller's and Buyer's ability to sue Americana. All risk is assumed by the Seller and Buyer. If any portion of a Lease Option is not completely understood, the Buyer and Seller are recommended to seek corpeten1 legal or tax representation. D D D

Seller's Initials Buyer's Initials

My signature below indicates that I have read, understand and agree with this Hold Harmless Agreement. I hereby hold Americana harmless concerning .this transaction. This is a binding contract. If any portion of this waiver is not understood, I should consult with an attorney and/or accountant of my choice.

SELLER PRINTED NAME SIGNATURE DATE BUYER PRINTED NAME SIGNATURE DATE

SELLER PRINTED NAME SIGNATURE DATE BUYER PRINTED NAME SIGNATURE DATE