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FAA

R E

XPO FAAR EXPO

September 17, 2014

FAAR’s Biggest Event of the Year!

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Morning 8:30a.m.-3:30p.m. FAAR Expo Free for Members Only

9:00a.m.-11:00 a.m. 7.5 Things You Need to Know to Thrive inthe Next Three Years, Instructor: Key Note Speaker Mark GivenIn today’s real estate climate, it's more important than ever to embrace the 7.5principles that create maximum success in building and sustaining a long termbusiness. Mark delivers an eye opening presentation in a fun and enjoyablestyle. You don't want to miss his session! 2 HRS CE Real Estate Related, 2 HRS PLCurrent Industry trends

11:00a.m.– 12:00p.m. Lender Panel (Expo Floor)

11:00a.m.—1:00p.m. Lunch

11:00-12:00p.m. Transactional Red Flags – Authority to Sell,Instructor: Philip Blake, MBH Settlement GroupHave you ever found yourself in the middle of a transaction that is quickly fallingapart, and you wish you could have foreseen the dissolution to prevent thehardship? Maybe there was a sign alerting you to the current obstacles? Maybeyou could have seen it coming? The vast majority of issues that compromisetransactions down the road could have been addressed muchearlier. Preventing fraudulent transactions are the title insurance industry’sbiggest priority. Industry watchdogs are aggressively educating real estateprofessionals and agents to recognize the red flags of fraud. This knowledge willhelp everyone manage risk and detect fraud before it happens. Get to know thered flags and ask the right questions. 1 HR CE Real Estate Related

Afternoon 1:00p.m.-3:00p.m. Good Intentions but Risky Results: BalancingClient Interests and Legal and Ethical Obligations,Instructor: Blake Hegeman, Virginia Association of REALTORS®This course will provide substantive guidance to real-estate licensees on how tominimize risk while preserving their duties to clients. This course is based onreal scenarios that licensees have had to grapple with such as disclosures andincorrect information. 2 HRS CE Legal Updates, 2 HRS PL Current Industry Trends

1:30p.m.-2:30p.m. What Disney Does That Most Companies Don’t, Instructor: Mark GivenThis session is about building a business that oozes fabled service. Very fewcompanies understand how to develop a culture, their story, and a brand thatwhips the competition. It can be done when you know the how, what, and whyof making yourself unforgettable which keeps you top of mind.

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3:00p.m.-3:30p.m. Elections and drawing results

3:30p.m.– 4:30p.m. Life After Death: How to Survive an Estate Closing, Instructor: Michele Freemyers, EKKO TitleEstate cases can be tricky and the goal of this class is to give the Real EstateAgent an overview of estate law so the Agent knows the basic questions to askin order to keep the file alive! We will review the three different ways that titleto real estate transfers and learn the steps necessary to get these files to closing.1 HR CE Legal Updates

3:30p.m.– 4:30 p.m. Wrestling Aggregators - Free LeadGeneration from The Big Three, Instructor: Matthew Rathbun, Coldwell Banker EliteWhile many agents are adversarial to the aggregation sites, many top producersare taming them as part of their client engagement plan. The aggregators arehere to stay and so are agents, so how do we learn to co-exist and how can theagent take the upper-hand? This workshop is designed to help agentsunderstand what benefits lay waiting for them in Realtor.com, Trulia andZillow. This interactive workshop covers understand the allure of the consumerand client-conversion, hidden site tools and how to see the aggregators as themodern day partner in connecting with ready, willing and able clients.

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BallotSlate of Candidates- 2015 Leadership

Election September 17, 2014FAAR offers electronic voting and the ballot will be posted at faarmembers.com by early September. Those who want to vote with a paper ballot can do so by going to the Election table in the Lobby of the Expo at the September 17 Trade Show from 9 am to 1 pm. Members will also be able to vote on line at the Election table. Election results will be announced after 3 pm at the Trade Show on September 17.

Candidates for 2014 Election for the Year 2015

President Brooke Miller, ABR, GRI, CRS- Long & Foster, Inc.- FredericksburgPresident-Elect Christine Singhass, ABR- Caroline's RealtyVice President Linda Fosdick, ABR, CRS, GRI- Dockside RealtySecretary Jorge Robert, Coldwell Banker Elite- StaffordTreasurer Arlene Mason, Coldwell Banker Carraige House Realty, 1st of a two-year term

Immediate Past President Debbie Irwin, ABR, GRI- Coldwell Banker Elite Spotsylvania office

Directors- Five candidates for two positions- winners are the top two vote getters. Select up to two.

__ Mary Beth Rich, ABR- Century 21 New Millennium - Stafford__ Kevin McGrath- Long & Foster, Inc.__ Drew Fristoe, ABR, e-PRO- Coldwell Banker Elite, Massaponax__ Adrianna Cowan-Waddy, CCIM- Adrianna S. Cowan & Associates, Inc.__ Michelle Caldwell Thompson- CTI Real Estate

Joining continuing Directors- Paddy Osborne, Mark Geslock, Erin Newbill, Bob Mercurio

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Bylaws Change – RationaleShortening the time period to complete the new member requirement of an ethics class/orientationMembers are asked to vote yes or no on the following change to the Association’s bylaws. The rationale for shortening the time new members are given to take the required ethics class/orientation session is so they receive the valuable information about the Code of Ethics and the advantages and requirements of membership soon after application. If the majority of the voting members vote yes, a new member will have two opportunities to attend the ethics class/orientation within the first 120 days, NOT 180 days as a FAAR member.

Vote YES or NO… Y___N___ Section 4. New Member Code of Ethics Orientation:

Applicants for REALTOR® membership and provisional REALTOR® members (where applicable) shall complete an orientation program on the Code of Ethics of not less than two hours and thirty minutes of instructional time. This requirement does not apply to applicants for REALTOR® membership or provisional members who have completed comparable orientation in another association, provided that REALTOR® membership has been continuous, or that any break in membership is for one year or less.

Failure to satisfy this requirement within 120 days (180 days) of the date of application (or, alternatively, the date that provisional membership was granted), will result in denial of the membership application or termination of provisional membership.

Note: Orientation programs must meet the learning objectives and minimum criteria established from time to time by the NATIONAL ASSOCIATION OF REALTORS®.(Adopted 1/01)

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43 2-10 Home Buyer's Warranty36 A. Smith Bowman Distillery 61 AAA Insurance66 Advanced Title & Settlements, LLC39 Allegra Design.Print.Mail59 American Cabinet Refacers24 American Home Shield64 Atlantic Coast Mortgage7 Avon76 Bayfield Home Loans44 BB&T Mortgage13 Beazer Homes83 Brand Mortgage Group, LLC84 Brand Mortgage Group, LLC85 Brand Mortgage Group, LLC86 Brand Mortgage Group, LLC51 C & F Mortgage Corporation52 C & F Mortgage Corporation1 Caroline Street Catering50 Centralized Showing Service14 Chancellors Village10 Chick-fil-A23 CMS Mortgage Solutions62 Colony Pest Control73 Commission Express of Prince William3 Community Outreach/Special Functions Committee4 Community Outreach/Special Functions Committee32 Connor's Pest Control31 Corridor Mortgage Group30 CSI Home & Commercial SVC87 Cyberbility77 Damsel In Defense-Independent Pro48 Dave the Mover, LLC27 Ekko Title28 Ekko Title91 Embrace Home Loans18 EverBank19 EverBank80 FAAR/RECA/Multicultural Committee67 Fairway Independent Mortgage Corp49 Fidelity Bank Mortgage20 First American Home Buyers Protection Corporation

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79 Fredericksburg Area Food Bank17 Fredericksburg Hospitality House Hotel and Conference Center15 Fredericksburg REALTORS® Foundation16 Fredericksburg REALTORS® Foundation78 Fulton Mortgage Company42 George Mason Mortgage72 Golds Gym Fredericksburg81 Habitat for Humanity71 Hampton Inn & Suites and Homewood Suites Fredericksburg65 HMS Home Warranty69 It Works2 JK Moving Services45 Kensington Vanguard National Land Service88 Kloke Mayflower82 Krispy Kreme21 Legacy90 Massage Therapy Center33 MBH Settlement Group, L. C.34 MBH Settlement Group, L. C.41 Moore's Balloons Décor54 Movement Mortgage55 Movement Mortgage40 MRIS37 Navy Federal Credit Union57 NSWC Federal Credit Union58 NSWC Federal Credit Union47 Old Republic Home Protection70 Origami Owl22 PermaTreat Pest Control53 Plumb Magic 35 PNC Mortgage92 Pollard Environmental74 Professional Building Maintenance89 Professional Inspection Service29 RGS Title 60 Rt 3 Simply Storage6 Servpro of Fredericksburg38 STA Title and Escrow, Inc.68 Stonewall Title & Escrow, Inc.11 Sun Trust Mortgage25 The Free Lance-Star26 The Free Lance-Star56 The Title Professionals, LLC

Turn all games cards in

by the stage! Must have

all logos stamped. You

don’t not have to be present to win!

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12 Thrive, The Healing Center/Upside Down Salads8 Tricord Homes, Inc.63 VHDA75 Virginia Association of REALTORS®46 Wells Fargo Home Mortgage5 Women's Council of REALTORS®9 YPN Committee/Meet Up

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If you’re planning to buy, build or refinance, talk to Ann Deutsch at SunTrust Mortgage, Inc. With Ann to represent you, care for you and make sure you get what you need, great things could happen.

SunTrust Mortgage and Ann Deutsch proudly support the 2014 FAAR Realtor Expo.

Equal Housing Lender. SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender. ©2014 SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. How can we help you shine? is a service mark of SunTrust Banks, Inc. Rev: 8.22.14

Ann E. Deutsch, NMLSR# 659389

Mortgage Loan Officer540.494.7399 Office • 540.226.1212 Cellann.e.deutsch@suntrust.comsuntrust.com/ann.e.deutsch

Great things happen when we work as a team.

Stop by booth 82 for some

Krispy Kreme!

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Stop by booth 80 From11:00am-1:00pm

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Securing a mortgage should be the least of your worries when you are pursuing your dreams.

Brand Mortgage Group, LLCa subsidiary of BrandBank. Est. 1905

Equal Housing Lender | NMLS# 75615

Josie Ramos-JohnsonMortgage Banker540.907.8979NMLS# 457833

Henry MotonMortgage Banker703.850.3146NMLS# 179239

Aaron JohnsonAVP/Branch Manager703.338.8645NMLS# 659440

Mortgages made simple.

Lisa PerryMortgage Banker540.273.2733NMLS# 276329

At BrandMortgage, we understand.

First-time Home Buyer MortgagesJumbo Mortgages

Brand Rehabilitation LoansFHA 203K Loans

Down Payment Assistance ProgramsDoctor Loans

Home Equity Lines of Credit

VA Loans

80/10/10 | 80/15/5

USDA Rural Development Loans

brandmortgage.com540.898.4215

14000 Crown Court, Suite 210 | Woodbridge, VA 22193

Tom RobertsMortgage Banker540.846.7762NMLS# 188904

We specialize in peace-of-mind mortgages. Fast loan approvals. Flexible plans and products.

White-glove customer service. That’s BrandMortgage.

Put your mind at ease and give us a call today.

Patti CarrollMortgage Banker703.298.8870NMLS# 306712

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Securing a mortgage should be the least of your worries when you are pursuing your dreams.

Brand Mortgage Group, LLCa subsidiary of BrandBank. Est. 1905

Equal Housing Lender | NMLS# 75615

Josie Ramos-JohnsonMortgage Banker540.907.8979NMLS# 457833

Henry MotonMortgage Banker703.850.3146NMLS# 179239

Aaron JohnsonAVP/Branch Manager703.338.8645NMLS# 659440

Mortgages made simple.

Lisa PerryMortgage Banker540.273.2733NMLS# 276329

At BrandMortgage, we understand.

First-time Home Buyer MortgagesJumbo Mortgages

Brand Rehabilitation LoansFHA 203K Loans

Down Payment Assistance ProgramsDoctor Loans

Home Equity Lines of Credit

VA Loans

80/10/10 | 80/15/5

USDA Rural Development Loans

brandmortgage.com540.898.4215

14000 Crown Court, Suite 210 | Woodbridge, VA 22193

Tom RobertsMortgage Banker540.846.7762NMLS# 188904

We specialize in peace-of-mind mortgages. Fast loan approvals. Flexible plans and products.

White-glove customer service. That’s BrandMortgage.

Put your mind at ease and give us a call today.

Patti CarrollMortgage Banker703.298.8870NMLS# 306712

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Thank you for attending FAAR’s biggest event of the year!

free for member if you rsvp before 10/27/14 ($10.00 if you pay at the door)guest of member $10. rsvp by october 27, 2014

register online at www.faarmembers.com or complete form below and fax to 540-736-0301.

name: ___________________________________________ phone: _____________________________________

payment: ___visa ___master card ____am express total amount: $________________

cc#: ___________________________ 3-digit cvc #: _________ exp. date: _______zip code_____________

authorized signature: ____________________________guest(s): ______________________________________

many thanks to the halloween mixer sponsors:

This event is for 18 and older

FAAR Annual Halloween MixerOctober 30, 2014 6-9pm

S. Bowman Distillery1 Bowman Dr, Fredericksburg, VA 22408

FREE Event! NEW LOCATION Eat, (1 FREE Drink Ticket) drink & be scary! Plus, wear a costume and you could win a prize!