Molly's Buyer Handbook

TheHome BuyingProcess

Your GuidetoPurchasingProperty

PRESENTED BY

MOLLY CAMPBELL PALMER VICE PRESIDENT

PREPARED FOR JANINE ALBERT AND BEN ALBERT

TheBuyingProcess

A brief overview of what to expect from home search preparation to closing day

ThePreparation

- Calculate your maximum affordable price,including down payment,closing costs,and monthly mortgage payments

- Contact lenders to compare rates and terms; obtain a pre-approval letter stating the loan amount you qualify for

- Determine your must-haves and preferences for the property

- Consider location,size,style,and amenities.

TheSearch

- Attend open houses.View online listings on real estate websites and utilize your real estate agent to schedule private showings

- Leverage your agent's expertise to assess and find potential properties (ie off market,?coming soon?)

TheOffer

- Work with your agent to craft a competitive offer.

- Consider all elements: price,terms,contingencies,dates,inclusions and exclusions

- Submit the offer to the seller with an earnest money deposit

- Be prepared for counter offers and negotiation

ThePurchase& SaleAgreement

- Engage a real estate attorney to advise on the terms and language of the purchase and sale agreement

- Negotiate language via your attorney to arrive at a mutually agreeable contract

- Sign agreement and submit additional deposit (typically 5% of purchase price)

TheClosingPreparation

- Finalize your mortgage application Provide any additional documentation requested by the lender

- Wait for loan approval and commitment letter.

- Arrange utilities at new property,forward mail,contact service providers,coordinate movers,arrange homeowners insurance.

- Review closing costs and loan documents with your attorney

CompleteaFinalWalkthrough

- Inspect the property one last time to ensure it's in the agreed-upon condition.

- Confirm that any negotiated repairs have been completed

- Check for agreed upon inclusions and exclusions and any furniture that was purchased from sellers.

AttendTheClosing

- Bring a valid ID,funds for closing costs,and any required paperwork to the closing.

- Sign all necessary documents

- Receive the keys to your new home

MoveInandEnjoyYourHome!

WELLESLEY

SINGLE-FAM ILY HOM ES

Source: MLS Pin

204 Up 17 From 2024 HOME SALES

15 Compared to 11in 2024 MEDIAN DAYS ON MARKET

MEDIAN SALE PRICE

$2,210,651 $45,651Over 2024

MollyCampbellPalmer

Vice President

508 269 0002

Molly.Palmer@GibsonSIR.com

Recognized among the top real estate advisors in America by RealTrends in 2025

Recognized among Boston Magazine?s Top Real Estate Producers in 2025 Social Media Influencer of the Year, Boston Agent Magazine, 2025

Molly Campbell Palmer brings proven strategies and a fierce advocacy for her clients to every aspect of the real estate selling and buying process Having participated in over $500,000,000 of sales in the Wellesley/ Weston and Metrowest area, Molly has driven consistent success for her clients in an ultra-competitive environment By keeping up with the market in real time and providing insider information, Molly is able to offer her clients an unmatched advantage that makes the difference and gets results

Molly's background in media/advertising and the design industry have uniquely positioned her to help clients buy and sell their homes from a position of knowledge and skill Her roles at Architectural Digest, Elle Decor, and Design New England have resulted in deep ties to the building and design industry, allowing her to offer a unique and informed approach to every aspect of buying and selling

Molly brings an unparalleled breadth of collective experience and knowledge to her clients.

TOTA L SA L ES VOLUM E* * Par t ic ip at ed in

$500,000,000

Client Testimonials

TOP 5% OF WELLESLEY AGENTS

MollyCampbellPalmer Vice President,REALTOR®

"We are incredibly grateful for the exceptional service Molly has provided throughout the sale of our previous home and the purchase of our new one From start to finish, Molly demonstrated unmatched professionalism, market expertise, and genuine care for our family's needs. Selling our home could have been a stressful process, but her guidance made it seamless She prepared us by getting our home ready, provided valuable advice on staging, priced our home perfectly, and her marketing strategy brought in an instant offer We couldn? t have asked for a better outcome! When it came to finding our new home, Molly was very patient, attentive, and truly listened to what we wanted Her deep knowledge of the Wellesley market and a keen eye for detail helped us find the perfect house that checked all our boxes She went above and beyond to make sure the entire process was smooth and worry-free enabling us to close the deal We highly recommend Molly to anyone looking to buy or sell a home She made this journey not only successful but also enjoyable Thank you for helping us with our homes!"

"We met Molly at one of the first open houses we attended. We had already been to 2-3 open houses and frankly did not strike up an instant rapport with the brokers there They just felt a bit too transactional. That was not the case with Molly. When we met Molly, we spent most of the time talking about how the school system works in Wellesley (unchartered territory for us), how/where young families like to spend their time around town,and more family oriented things like that - i e the stuff that REALLY matters After that first convo, Molly was clearly the person we trusted and felt comfortable going back to as we navigated this whole home buying process Fast forward to finding and purchasing the home we currently live in none of this incredible happy ending would have been possible without Molly Molly knows everyone in town, which helped us get in contention for this home in the first place. Not easy to do in a town that's in high demand 365 days out of the year. From there, Molly helped us craft an offer and did some serious (and needed) hand holding through every step of the negotiation that led to our offer being accepted. We're in the perfect home for our soon-to-be family in the perfect town, and none of it would have been possible without Molly Molly if you're reading this thank you from the bottom of our hearts "

"I met Molly at an open house, and she became a trusted resource for over a year while we prepared to sell our home We met with a number of realtors, and ultimately chose to list with Molly because of her expertise, dedication, and candor Throughout the selling process, Molly made us feel as though we were her highest priority, was always available for the biggest or smallest of questions or crises, and had the resources at her fingertips to address unexpected issues efficiently Molly was a competent, reassuring presence throughout, and we ultimately ended up with multiple offers over asking (which Molly navigated expertly) Can't speak highly enough of Molly and her work!"

"Working with Molly was a pleasure.We were impressed by how much she listened to our wishlist and (very) proactively brought us new listings to consider Her communication was second to none and she always made herself available for our texts/calls and to tour homes Most importantly, Molly was honest and shared her insights and knowledge with us at every step of the process We felt like we could fully trust Molly and would definitely work with her again!"

Client Testimonials

TOP 5% OF WELLESLEY AGENTS

MollyCampbellPalmer Vice President,REALTOR®

"Molly was excellent to work with when buying our first house and we highly recommend her as a realtor She listened to what we were looking for, quickly responded when we reached out with questions, was resourceful in finding answers, and pushed hard for our best interests when things didn? t go as planned The home buying process went smoother thanks to Molly?s help!"

"We had the pleasure of working with Molly as we searched for our forever home in the suburbs and couldn? t be more grateful for her expert help and guidance In a challenging and competitive market for buyers, Molly made the process of finding our home easy and stress-free. One of her strengths is her in-depth knowledge of the communities she works in She frequently would send us information on homes that were about to list as well as off-market listings, and would always have helpful intel and perspective to share I was particularly impressed by the care she took to really understand what we were looking for and what was important to us in our future home We never once felt pressured (or defeated!) during the buying process ? Molly was a constant calming and reassuring presence that our perfect home was out there waiting to be found Simply put, Molly is the best! We would highly recommend her anyone looking to buy or sell a property."

"Molly is an extremely bright and knowledgeable real estate professional! She has a unique skill of balancing the vast emotions of buying a house with real time information and solutions It starts with her complete understanding of the market in metro west including new and existing homes Her attention to detail, note taking and follow up is second to none! Her energizing personality turns tasks into fun! She has a genuine passion for residential real estate, home décor and architecture with a diverse background of experiences. Molly is a hustler yet does not yield from honesty and integrity Her tenacious attitude and problem-solving skills became vitally important in solving various obstacles along the home purchase journey. We have owned 12 homes in our adult lives and Molly is ? without a doubt ? the best realtor we have ever worked with, and we highly recommend her!"

"Molly helped us buy our house this Spring of 2022 If you're familiar with this market, you know that is no small feat We were at the "entry" price point in some neighborhoods that we wanted to live in which makes competition tough Molly never once pressured us to live somewhere we didn't want tothis is a big deal because she trusted that we knew our wants/needs and that we would indeed find our house We began looking in February 2022 and were under contract in May in a neighborhood I didn't think we could afford We ended up buying from some particularly difficult sellers, and there were several times I questioned if we'd actually get the house. Molly was always calm and professional, and knew when to involve outside counsel for matters outside her purview She was undoubtedly instrumental in getting us to the finish line! Finding your house in this market takes a lot of persistence/patience, a little luck, and a well-connected, knowledgeable, trustworthy, and kind realtor Molly was all of that and more I whole-heartedly recommend her to anyone looking to buy or sell,and will be referring her to any colleagues/ friends moving forward "

10 Ingersoll Road, Wellesley Sold for $3,150,000 | Represented Buyers

12

21 Washburn Avenue, Wellesley

15 Swart hmore Road, Wellesley

350 First Parish Road, Scit uat e Sold for $1,500,000 | Represented Buyers

410 School St reet , Wellesley Sold for $1,445,000 | Represented Sellers

17 Robert s Road, Wellesley Sold for $1,375,000 | Represented Sellers

31 Bancroft Road, Wellesley Sold for $1,300,000 Represented Buyers

6 Saunders Terrace, Wellesley Sold for $1,500,000 | Representing Buyers

70 Sherburn Circle, West on Sold for $1,425,000 | Represented Sellers

8 Vist a Road, Wellesley Sold for $1,300,000 | Represented Buyers

432 West on Road, Wellesley Sold for $1,285,000 Represented Buyers

40 Rolling Lane, Dover Sold for $1,250,000 Represented Buyers

WellesleyTownMap

Owner of Record

TO (Seller and Spouse)

OFFER TO PURCHASE REAL ESTATE

Date:

From the Office of :

Molly Campbell Palmer

The property herein referred to is identified as follows:

Gibson Sotheby's International Realty 54 Central Street, Wellesley all buildings named and numbered XXXX, and all land approximately XXXX square feet.

Special provisions (if any) re fixtures, appliances, etc.

hereby offer to buy said property, which has been offered to me by as the Broker(s) under the following terms and conditions: CHECK ONE:

1. I will pay therefore $ , of which  Check, subject to collection (a) $ is paid herewith as a deposit to bind this Offer  Cash (b) $ is to be paid as an additional deposit upon the execution of the Purchase and Sale Agreement provided for below. (c) $ is to be paid at the time of delivery of the Deed in cash, or by certified, cashier’s, treasurer’s or bank check(s). (d) $

(e) $ Total Purchase Price

2. By accepting this Offer, you agree to pay my broker, _______________________, who is representing me and acting as my agent, a fee equal to ____________________________, which fee is included in the purchase price and shall be paid from the proceeds of the sale at the time of closing.

3. This Offer is good until A.M. P.M. on , 20 at or before which time a copy hereof shall be signed by you, the Seller and your (husband) (wife), signifying acceptance of this Offer, and returned to me forthwith, otherwise this Offer shall be considered as rejected and the money deposited herewith shall be returned to me forthwith.

4. The parties hereto shall, on or before A.M. P.M. , 20 execute the applicable Standard Form Purchase and Sale Agreement recommended by the Greater Boston Real Estate Board or any form substantially similar thereto, which, when executed, shall be the agreement between the parties hereto.

5. A good and sufficient Deed, conveying a good and clear record and marketable title shall be delivered at 12:00 Noon on , 20 at the appropriate Registry of Deeds, unless some other time and place are mutually agreed upon in writing.

6. If I do not fulfill my obligations under this Offer, the above mentioned deposit shall forthwith become your property without recourse to either party. Said deposit shall be held by as escrow agent subject to the terms hereof provided however that in the event of any disagreement between the parties, the escrow agent may retain said deposit pending instructions mutually given in writing by the parties. A similar provision shall be included in the Purchase and Sale Agreement with respect to any deposit held under its terms.

7. Time is of the essence hereof.

8. Disclosures: For one to four family residences, the Buyer hereby acknowledges receipt of the Home Inspectors: Facts for Consumers brochure produced by the Office of Consumer Affairs. For residential property constructed prior to 1978, Buyer must also sign Lead Paint “Property Transfer Notification.”

9. The initialed riders, if any, attached hereto are incorporated herein by reference. Additional terms and conditions, if any:

NOTICE: This is a legal document that creates binding obligations. If not understood, consult an attorney. WITNESS MY HAND AND SEAL

Buyer Buyer

Address/City/State/Zip

Phone Numbers (Work & Home)

Receipt of deposit check for transmittal by: (Agent/Facilitator) Check shall not be deposited unless offer is accepted. This Offer is hereby accepted upon the foregoing terms and conditions at A.M. / P.M. on , 20 WITNESS my (our) hand(s) and seal(s)

Seller (or spouse)

Date

Seller

RECEIPT FOR DEPOSIT

Received from Buyer the sum of $ as deposit under the terms and conditions of above Offer, to be held by as escrow agent.

Under regulations adopted pursuant to the Massachusetts license law: All offers submitted to brokers or salespeople to purchase real property that they have a right to sell shall be conveyed forthwith to the owner of such real property.

Agent for Seller

OFFER TO PURCHASE CONTINGENCY ADDENDUM

The BUYER, if checked, hereby incorporates the following contingencies into this Offer to Purchase Real Estate.



MORTGAGE CONTINGENCY

In order to help finance the acquisition of the property, the BUYER shall apply for a conventional bank or other institutional mortgage loan of $ ___________________ at prevailing rates, terms and conditions. If despite the BUYER’s diligent efforts a commitment for such loan cannot be obtained on or before _____________, 20____, then the BUYER shall have the option of revoking this agreement by written notice to the SELLER and/or the Broker representing the SELLER prior to the expiration of such time, whereupon all deposits made by the BUYER shall be forthwith refunded, and this agreement shall become null and void and without further recourse to either party. In no event will the BUYER be deemed to have used diligent efforts to obtain such commitment unless the BUYER submits a complete mortgage loan application conforming to the foregoing provisions on or before _______________, 20____.



INSPECTION CONTINGENCY

The BUYER may, at the BUYER’s own expense and on or before _________________, 20____, have the property inspected by a duly-licensed person engaged in the business of conducting home inspections. If it is the opinion of such inspector that the property contains serious structural, mechanical or other defects and if the repair of such defects would cost the BUYER in the aggregate more than $___________________, then the BUYER shall have the option of revoking the agreement by written notice to the SELLER and/or Broker representing the SELLER on or before ________________, 20____. Such notice shall be accompanied by a copy of the inspector’s opinion and cost estimates.



RADON CONTINGENCY

The BUYER may, at the BUYER’s own expense and on or before ________________, 20__, have the property inspected for the presence of radon gas. In the event a customary test for the presence of radon gas indicates the presence of radon gas in excess of levels deemed acceptable by the federal Environmental Protection Agency, then the BUYER shall have the option of revoking the agreement by written notice to the SELLER and/or Broker representing the SELLER on or before ________________, 20____. Such notice shall be accompanied by a copy of the test results.



PEST INSPECTION CONTINGENCY

The BUYER may, at the BUYER’s own expense on or before ______________, 20____, have the property inspected by a person engaged in the business of pest inspection and control. If it is the opinion of such inspector that the property is infested by termites or other wood boring pests, then the BUYER shall have the option of revoking this agreement by written notice to the SELLER and/or the Broker representing the SELLER on or before _______________, 20___. Such notice shall be accompanied by a copy of the inspector’s opinion and any related inspection report.



LEAD PAINT CONTINGENCY ADDENDUM

The BUYER may, at the BUYER’s own expense and within ten (10) days after the acceptance of this agreement, have the property professionally inspected for the presence of paint, plaster or other accessible materials containing dangerous levels of lead (as such terms are defined by applicable Massachusetts laws and regulations). A copy of the inspector’s report shall be furnished to the SELLER upon receipt by the BUYER. If it is the opinion of such inspector that any such materials are present on the property, then the BUYER shall have the option of revoking this agreement by written notice to the SELLER and/or the Broker representing the SELLER prior to the expiration of such time.

In the event the BUYER revokes the agreement consistent with the terms of the above selected Contingencies, then any deposits made by the BUYER shall be forthwith refunded, and this agreement shall be null and void and without further recourse to either party.

ExclusiveBuyerRepresentationAgreement

Buyer’sName:_________________________________________________(herein“Buyer”)

Broker:GibsonSotheby’sInternationalRealty(referredtoas“GibsonSIR”)

Molly Campbell Palmer

Buyer’sAgent:______________________________________________________

BettyGibsonAssociates,Incorporated,doingbusinessasGibsonSotheby’sInternationalRealty(referred toas“GibsonSIR”),theBuyer’sAgentandtheBuyer,inexchangeofmutualpromisesagreeasfollows:

1. PROPERTIES Buyer is retaining Gibson SIR to be the exclusive Broker representing the Buyer in the purchase of real property. The Buyer retains the sole and absolute right to determine if a property is acceptable.

2. TERM This Agreement shall be in effect from the date of signing through ________________________________________or to completion of the Acquisition of the property, if under agreement, whichever is later (the “Term”). The Buyer’s obligation to pay the compensation will continue for a 90-day period after the expiration of the Term of this Agreement for properties introduced and shown by the Buyer’s Agent during the Term.

6 months from date of signing

3. GIBSON SIR AGREES TO:

● Prepare a wants/needs list for the Buyer.

● Use reasonable efforts to locate properties acceptable to the Buyer through the Multiple Listing Service (MLS) and off MLS.

● Work in the Buyer’s best interest and preserve the Buyer’s confidential information.

● Maintain regular communication with the Buyer throughout the term of the Agreement.

● Attend scheduled showings of properties.

● Provide professional advice and guidance to the Buyer.

● Refer the Buyer to professionals such as lenders, attorneys, home inspectors, etc.

● Assist the Buyer in determining the market value of properties of interest.

● Provide a Comparative Market Analysis for properties the Buyer is considering writing offers for, upon the Buyer’s request.

● Assist the Buyer in negotiating terms and conditions of the offer and home inspection issues, if applicable.

4. BUYER AGREES TO:

● Work exclusively with Gibson SIR during the Term and to conduct all real estate purchase negotiations through Gibson SIR and the Buyer’s Agent.

● Cooperate with Gibson SIR by providing necessary personal information to evaluate Buyer’s needs and qualifications.

● Notify any other broker that the Buyer is working with Gibson SIR under the terms of this Agreement.

● Within 7 days of the entering into this Agreement and/ or prior to the Offer to Purchase, the Buyer will provide the Buyer’s Agent a pre-approval from a lender if the Buyer is seeking financing or proof of funds

TheBuyerrepresentsthattheBuyerisnotworkingwithanyotherBuyer’sAgent/Brokerunderthe termsofanExclusiveBuyerRepresentationAgreement.

. COMPENSATION

The Buyer herein acknowledges to being advised that broker commissions are not set by law and are fully negotiable

Prior to showing a property as a buyer representative, a real estate agent who is a REALTOR® must enter into a written agreement with the buyer defining how the real estate broker will be paid.

● The Buyer agrees to pay Gibson SIR compensation for representation in the amount of %of the gross purchase price of any property purchased during the Term of this Agreement.

● The Buyer’s obligation to pay the compensation will be at the time the Buyer purchases the property and takes title.

● No fee will be due under this Agreement if the Buyer does not purchase a property.

● Gibson SIR may not accept Compensation or a fee in excess of the fee agreed in this Agreement.

● A seller or listing agent may offer to pay some, or all of the compensation due to a broker representing a buyer but is under no legal duty to do so.

● The Buyer may, at the Buyer’s option, either (1) seek to have the Compensation paid in whole or in part by the seller in the terms of the offer to purchase and/or (2) pay the Compensation in o e or in part directly to Gibson SIR at closing.

. CONSENT TO DESIGNATED AGENCY

A designated agent is a real estate licensee who has been appointed by a broker or salesperson to represent a buyer as a “designated buyer’s agent” or to represent a seller as a “designated seller’s agent.” When a buyer or seller consents to designated agency only that designated agent represents the buyer or seller. Any other agents affiliated with BROKER may represent another party to the transaction and by consenting to designated agency the buyer or seller permits those agents to represent another party. Individuals who are designated agents owe fiduciary duties to their respective clients. You are further advised that: (a) the designated buyer’s agent will represent the BUYER and will owe the BUYER the duties of loyalty, full disclosure, confidentiality, to account for funds, reasonable care and obedience to lawful instruction; (b) all other licensees affiliated with the appointing BROKER will not represent the BUYER nor will they owe the other duties specified in paragraph (a) to that BUYER, and may potentially represent the seller; and (c) if designated agents affiliated with the same broker represent the seller and buyer in a transaction, the appointing broker shall be a dual agent and neutral as to any conflicting interests of the seller and buyer, but will continue to owe the seller and buyer the duties of confidentiality of material information and to account for funds. By signing this agr . is authorized to represent me as a Designated Agent. I hereby consent to designated agency. If designated agency occurs in a transaction, a notice of designated agency will be given.

7. DISCLAIMER

Gibson SIR is being retained solely as a real estate broker and not as an attorney, lender, appraiser, surveyor, structural engineer, home inspector or other professional service provider. At the Buyer’s request, the Buyer’s Agent may refer the Buyer to such professionals. It is advised for the Buyer to contact Building Departments to inquire about potential open building permits and you are encouraged to speak with people in the Town or City Hall about other questions you may have about

thecommunity.TheBuyer’sAgentmayworkwithotherbuyersduringtheTermofthisAgreement andwilltreatallbuyerinformationasconfidential.

8. EQUALOPPORTUNITY Thepartiesheretoagreetoabidebyallapplicablefair-housinglaws.

9. MODIFICATIONOFTHISAGREEMENT AnymodificationofthisAgreementmustbein writing,signedanddatedbyallparties.ThisAgreementconstitutestheentireagreementbetweenthe partiesandisacontractsubjecttoMassachusettslaw.Anyprioragreements,whetheroralorwritten, havebeenmergedandincorporatedintothisAgreement.

10. SELLER/LISTINGBROKERTREATMENTOFOFFERS Buyeracknowledgesbeing advisedthatMassachusettslawdoesnotrequiretheSellerorListingBrokertotreattheexistenceof offers,pricetermsorotherconditionsasconfidential.

11. DISPUTES IntheeventthatBuyerandtheGibsonSIRshall,foranyreason,beunabletoresolve adisputearisingfromanyofthetermsofthisAgreement,theneitherpartymaysubmitthematterto bindingarbitrationforthepurposeofresolvingthedispute.

12. OTHERPROVISIONS:____________________________________________________________

This Agreement constitutes a binding Massachusetts Contract. Buyer acknowledges GIBSON SIR’s advice to seek legal counsel relating to any provision of this Agreement if not understood and acknowledges receipt of (a) a copy of this Agreement, (b) a copy of the Massachusetts Mandatory Licensee-Consumer Relationship Disclosure Form, and (c) a brochure entitled “Home Inspector Facts For Consumers.”

Buyer DateBrokerofRecord,LaurenceRideout

Buyer Date

BROKER/SALESPERSONACKNOWLEDGMENTOFDESIGNATEDAGENCY

Iacknowledgeandagreetorepresenttheabovenamedconsumerasadesignatedagentandmysignature belowsignifiesthatIunderstandthedutiesandresponsibilitiesofthatrelationship,andexplainedtothe consumerthatIamatheiragent,togetherwithanyotherlicenseesexpresslyappointedastheir designatedagent;andthattheappointingbrokermaybecomea"dualagent;"andthatnooneelse affiliatedwithmyfirmrepresentsthem.

SignatureofBroker/Salesperson

WIRE POLICY NOTIFICATION FORM

Gibson Sotheby’s International Realty

Wiring $$ to Gibson Sotheby’s International Realty:

This notification is to make individuals working with Gibson Sotheby’s International Realty (herein “Gibson Sotheby’s”) aware of Gibson Sotheby’s policies with respect to funds being wired to Gibson Sotheby’s. This policy is to protect individual buyers and sellers from third-party fraud involving wires. Gibson Sotheby’s will never request that any funds be wired to Gibson Sotheby’s by regular email, text or any other electronic method of communication. Any request for wired funds will only be by verbal communication from the agent or agent team member directly working with that client and will be followed up by written wiring instructions from our secure, encrypted email from – “GSIR Accounting” (NotificationSecureMessage@appriver.com). Upon receiving the email you will need to create a user name and password in order to open up the email. The email will contain our wiring instructions. All wires to Gibson Sotheby’s are only to go to an account under the name of Betty Gibson Associates, Inc. d/b/a Gibson Sotheby’s International Realty – no exceptions!!

Wiring $$ to List agency

(other than Gibson Sotheby’s International Realty):

This notification is to make individuals aware of Gibson Sotheby’s policies with respect to funds being wired to agencies other than Gibson Sotheby’s International Realty. This policy is to protect our clients from third-party fraud involving wires. Gibson Sotheby’s will never initially request that any funds be wired to any other company, or other entity by regular email, text or any other electronic method of communication. Any request for wiring funds to another agency will only be by verbal communication from the agent or agent team member directly working with that client. At that point, the client can confirm the wire instructions of the other agency and their policies designed to protect against fraudulent transactions. A wire should only be sent after confirming the accuracy of the wire instructions.

By executing this form, the undersigned hereby state that they acknowledge this policy and assume all risk of initiating wires that do not comply with the terms of this wiring policy as stated herein.

Signed: _________________________________________ Date: _______ Printed name of person receiving notice:

Signed: _________________________________________

Printed name of person receiving notice:

Date: _______

Commonwealth of Massachusetts

BOARD OF REGISTRATION OF REAL ESTATE BROKERS AND SALESPERSONS

This disclosure is provided to you, the consumer, by the real estate licensee listed in this disclosure.

THE TIME WHEN THE LICENSEE MUST PROVIDE THIS NOTICE TO THE CONSUMER:

All real estate licensees must present this form to you at the first personal meeting with you to discuss a specific residential property. If there is no personal meeting between you and the licensee, this form must be presented electronically or through some other means before the licensee enters into a contract with a consumer. Residential property is defined as land with a building intended for use as a one to four-unit residential dwelling or the purchase or sale of land on which a building is intended to be constructed for use as a oneor two-unit residential dwelling. In the event this relationship changes an additional disclosure must be provided and completed at that time.

CONSUMER INFORMATION AND RESPONSIBILITY:

If you are a buyer or seller, you can engage a licensee to provide advice, assistance and representation to you as your agent. The licensee can represent you as the seller (Seller's Agent) or represent you as the buyer (Buyer's Agent) or can assist you as a Facilitator.

All real estate licensees, regardless of the working relationship with a consumer must, by law, present properties honestly a nd accurately, and disclose known material defects in the real estate.

The duties of a real estate licensee do not relieve consumers of the responsibility to protect their own interests. If you need advice for legal, tax, insurance or land survey matters it is your responsibility to consult a professional in those areas. Real estate licensees do not and cannot perform home, lead paint, or insect inspections, nor do they perform septic system, wetlands or environmental evaluations.

Do not assume that a real estate licensee works solely for you unless you have an agreement for that relationship.

For more detailed definitions and descriptions about real estate relationships, please see page 2 of this disclosure .

THE SELLER OR BUYER RECEIVING THIS DISCLOSURE IS HEREBY ADVISED THAT THE REAL ESTATE LICENSEE NAMED BELOW IS WORKING AS A:

Check one:  Seller's agent  Buyer's agent  Facilitator

If seller’s or buyer’s agent is check ed above, the licensee must complete the following section:

Check one:

The real estate firm or business listed below and all other affiliated agents are also working as the agent of the Seller Buyer

Only the licensee named herein represents the  Seller  Buyer (designated seller agency or designated buyer agency). In this situation any other agents affiliated with the firm or business listed below do not represent you and may represent another party in your real estate transaction.

By signing below, I, the real estate licensee, acknowledge that this disclosure has been provided to the consumer named herein:

Molly Palmer 9565239

Broker

Salesperson Signature of Licensee Printed name of Licensee License #

http://www.mass.gov/ocabr/licensee/dpl-boards/re/ MASSACHUSETTS MANDATORY LICENSEE-CONSUMER RELATIONSHIP DISCLOSURE THIS IS NOT A CONTRACT  Designated Agency Gibson Sotheby's Int'l Realty 1611

Date Name Real Estate Brokerage Firm Brokerage Firm License #

Buyer  Seller Signature of consumer Printed name of consumer

Signature of consumer Printed name of consumer

Check here if the consumer declines to sign this notice.

SELLER'S AGENT

A seller can engage the services of a real estate licensee to act as the seller’s agent in the sale of the seller’s property. This means that the real estate agent represents the seller, who is a client. The agent owes the seller client undivided loyalty, reasonable care, disclosure, obedience to lawful instruction, confidentiality and accounting. The agent must put the seller's interests first and attempt to negotiate price and terms acceptable to their seller client. The seller may authorize sub-agents to represent him/her in marketing its property to buyers, however the seller should be aware that wrongful action by the real estate agent or sub-agents may subject the seller to legal liability for those wrongful actions.

BUYER'S AGENT

A buyer can engage the services of a real estate licensee to act as the buyer’s agent in the purchase of a property. This means that the real estate agent represents the buyer, who is a client. The agent owes the buyer client undivided loyalty, reasonable care, disclosure, obedience to lawful instruction, confidentiality and accounting. The agent must put the buyer's interests first and attempt to negotiate price and terms acceptable to their buyer client. The buyer may also authorize sub-agents to represent him/her in purchasing property, however the buyer should be aware that wrongful action by the real estate agent or sub-agents may subject the buyer to legal liability for those wrongful actions.

(NON-AGENT) FACILITATOR

When a real estate licensee works as a facilitator that licensee assists the seller and/or buyer in reaching an agreement but does not represent either the seller or buyer in the transaction. The facilitator and the broker with whom the facilitator is affiliat ed, owe the seller and buyer a duty to present all real property honestly and accurately by disclosing known material defects and owe a duty to account for funds. Unless otherwise agreed, the facilitator has no duty to keep information received from a seller or buyer confidential. Should the seller and/or buyer expressly agree, a facilitator relationship can be changed to a seller or buyer client relationship with the written agreement of the person so represented.

DESIGNATED SELLER'S AND BUYER'S AGENT

A real estate licensee can be designated by another real estate licensee (the appointing or designating agent) to represent a buyer or seller, provided the buyer or seller expressly agrees to such designation. The real estate licensee once so designated is then the agent for that buyer or seller who becomes the agent’s client. The designated agent owes the buyer client or seller client, undivided loyalty, reasonable care, disclosure, obedience to lawful instruction, confidentiality and accounting. The agent must put their client's interests first, and attempt to negotiate price and terms acceptable to their client. No other licensees affiliated with the same firm represent the client unless otherwise agreed upon by the client. In situations where the appointing agent designates another agent to represent the seller and an agent to represent the buyer in the same transaction, then the appointing agent becomes a dual agent. Consequently, a dual agent cannot fully satisfy the duties of loyalty, full disclosure, obedience to lawful instructions, which is required of a seller or buyer agent. Only your designated agent represents your interests. Written consent for designated agency must be provided before a potential transaction is identified, but in any event, no later than prior to the execution of a written agreement for purchase or sale of residential property. The consent must contain the information provided for in the regulations of the Massachusetts Board of Registration of Real Estate Brokers and Salespeople (Board). A sample consent to designated agency is available at the Board's website at www.mass.gov/dpl/re

DUAL AGENT

A real estate licensee may act as a dual agent representing both the seller and the buyer in a transaction but only with the express and informed written consent of both the seller and the buyer. A dual agent shall be neutral with regard to any conflicting interest of the seller and buyer. Consequently, a dual agent cannot satisfy fully the duties of loyalty, full disclosure, obedience to lawful instructions, which is required of a seller or buyer agent. A dual agent does, however, still owe a duty of confidentiality of material information and accounting for funds. Written consent for dual agency must be provided before a potential transaction is identified, but in any event, no later than prior to the execution of a written agreement for purchase or sale of residential property. The consent must contain the information provided for in the regulations of the Massachusetts Board of Registration of Real Estate Brokers and Salespeople (Board). A sample consent to dual agency is available at the Board's website at www.mass.gov/dpl/re.

The Commonwealth of Massachusetts

Executive Office of Health and Human Services

Department of Public Health

Environmental Health

250 Washington Street, 7 th Floor Boston, MA 02108 (800) 532-9571 / (781) 774-6611

CHILDHOOD LEAD POISONING PREVENTION PROGRAM (CLPPP)

PROPERTY TRANSFER LEAD PAINT NOTIFICATION

nder assa usetts and federa a t is notifi ation pa a e must e iven to u ers and tenants it an option to u omes ui t efore 1 . is pa a e must e iven in fu to meet state and federa re uirements. t ma e opied as on as t e t pe si e is not made sma er. ver se er and an rea estate a ent invo ved in t e sa e must ive t is pa a e efore t e si nin of a pur ase and sa e a reement a ease it an option to pur ase or under state a a memorandum of a reement used in fore osure sa es. e ers and a ents must a so te t e u er or tenant it an option to u an information t e no a out ead in t e ome. e must a so ive a op of an ead inspe tion report ris assessment report etter of omp ian e or etter of nterim ontro . This package is for compliance with both state and federal lead notification requirements.

ea estate a ents must a so te u ers and tenants it an option to u t at under t e state ead a a ne o ner of a ome ui t efore 1 in i a i d under si i ive or ontinue to ive must ave it eit er de eaded or rou t under interim ontro it in da s of ta in tit e. is pa a e in udes a e ist to ertif t at t e u er or tenant it an option to u as een fu notified t e rea estate a ent. is ertifi ation s ou d e fi ed out and si ned t e u er or tenant it an option to u efore t e si nin of a pur ase and sa e a reement a ease it an option to pur ase or a memorandum of a reement used in a fore osure sa e. t s ou d e ept in t e rea estate a ent s fi es. fter ettin noti e t e u er or tenant it an option to u as at east 1 da s or on er if a reed to t e se er and u er to ave a ead inspe tion or ris assessment if e or s e ooses to ave one e ept in ases of fore osure sa es. ere is no re uirement for a ead inspe tion or ris assessment efore a sa e. ist of private ead inspe tors and ris assessors i ensed t e epartment of u i ea t is atta ed and an a so e found on t e i d ood ead oisonin revention ro ram s e site at .state.ma.us dp ppp . e ers and rea estate a ents o do not meet t ese re uirements an fa e a ivi pena t of up to 1 under state a a ivi pena t of up to 1 and possi e rimina san tions under federa a as e as ia i it for resu tin dama es. n addition a rea estate a ent o fai s to meet t ese re uirements ma e ia e under t e assa usetts onsumer rote tion t. e propert transfer notifi ation pro ram e an in 1 and as een ver su essfu . t provides information ou need to prote t our i d or our tenants i d from ead poisonin . assa usetts as a ta redit of up to 1 for ea unit de eaded. ere are a so a num er of rants and no interest or o interest oans avai a e for de eadin . t s up to ou to do our part to ard endin ead poisonin .

What is lead poisoning? How do children become lead poisoned?

ead poisonin is a disease. t is most dan erous for i dren under si ears o d. n oun i dren too mu ead in t e od an ause permanent arm to t e rain idne s nervous s stem and red ood e s. ven at o eve s ead in i dren s odies an s o ro t and ause earnin and e aviora pro ems. e main a i dren et ead poisoned is s a o in ead paint dust. e do not ave to e on eaded surfa es or eat paint ips to e ome poisoned. ost i d ood ead poisonin is aused i dren s norma e avior of puttin t eir ands or ot er t in s su as to s in t eir mout s. f t eir ands or t ese o e ts ave tou ed ead dust t is ma add ead to t eir odies. i dren an a so e e posed to ead from su ot er sour es as ead ontaminated soi or ater ut t ese sour es a one rare ause ead poisonin . ead an e found in soi near o d ead painted ouses. f i dren p a in are eaded soi or eat ve eta es or fruit ro n in su soi or if eaded soi is tra ed into t e ome and ets on i dren s ands or to s ead ma enter t eir odies.

What are the symptoms of lead poisoning? How is it detected?

ost ead poisoned i dren ave no spe ia s mptoms. e on a to find out if a i d is ead poisoned is to ave is or er ood tested. e assa usetts ead a re uires a i dren et een mont s and 4 ears o d to e s reened annua for ead. f our i d as een e posed to ead or if ou do not no if our i d under a e si as een s reened for ead as our i d s do tor ot er ea t are provider or our o a oard of ea t for a simp e s reenin test of our i d.

What is the treatment for lead poisoning?

reatment of a ead poisoned i d starts it findin and removin t e ead a ards to i t e i d is e posed. is i in ude a ead inspe tion of t e i d s ome and if ead a ards are identified de eadin of t e ome. edi a treatment depends on t e i d s ood ead eve and t e i d s response to t e remova of t e ead sour e. arents i e tau t a out prote tin t eir i d from ead e posure. e i need to at t e i d s pro ress t rou fre uent ood tests. f ne essar t e i d ma re eive spe ia dru s to e p rid is od of e ess ead. it t is treatment dru s are iven dai for as on as severa ee s. ometimes t is must e done more t an on e. i d o as een ead poisoned i need a ot of ood tests for a ear or more. e or s e s ou d e tested for earnin pro ems efore startin s oo .

Are children under six years old the only ones at risk of lead poisoning?

o. oun i dren are usua more easi and serious poisoned t an o der i dren or adu ts ut ead is armfu to ever one. ead in t e od of a pre nant oman an urt er a efore irt . der i dren and adu ts o ive in o der ousin it ead paint a ards ma e ome e posed to ead and ou d potentia deve op ead poisonin t rou ome renovation. ost ead poisonin in adu ts is aused or re ated e posure or ome renovation. ven o supp ies su as stained ass u ets and fis in sin ers an e pose peop e to ead. ead poisonin in adu ts an ause i ood pressure pro ems avin i dren for ot men and omen di estive pro ems nerve disorders memor oss and pro ems on entratin and mus e and oint pain. du ts o ave an of t ese s mptoms and o ave een e posed to ead s ou d onsider ein s reened for ead. ose o are re u ar e posed to ead t rou t eir or are re uired a to ave t eir ood tested on e a ear for ead.

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What are the dangers of lead paint in homes, and when was it used?

ead paint in omes auses a most a i d ood ead poisonin . ead is so armfu t at even a sma amount of fine ead dust t at annot e seen an poison a i d. ead paint overed a ers of non eaded paint an sti poison i dren espe ia en it is distur ed su as t rou norma ear and tear or ome repair or . en su ead paint is on movin surfa es su as indo s fine ead dust is re eased t rou norma use. is dust sett es ere it an e easi pi ed up on i dren s to s and fin ers. ouse o d paint it poisonous no i e a eve s of ead as in use in assa usetts from t e 1 s unti 1 . n 1 t e . . overnment anned ead from ouse paint. ead an e found in a t pes of pre 1 omes omes in ities su ur s or t e ountr side private ousin and state or federa pu i ousin sin e fami and mu ti fami omes. e o der t e ouse t e more i e it is to ontain ead paint. e o der t e paint t e i er t e i e ead ontent.

Can routine home repairs cause lead poisoning?

ere an e a dan er of ead poisonin enever painted surfa es inside or outside t e ome are s raped for repaintin or ood or is stripped or removed or indo s or a s are removed. is is e ause ead paint is found in a most a assa usetts omes ui t efore 1 and so man of assa usetts omes are o d. o not use po er sanders propane tor es or eat uns to remove eaded paint as t ese met ods reate a ot of ead dust and fumes. emporari move our fami espe ia i dren and pre nant omen out of t e ome i e t e or is ein done and eaned up or at a minimum tape up p asti s eets to omp ete sea off t e or area. et a ead inspe tion done so t at ou i no i surfa es ave ead paint and need e tra are en preparin for and doin ome repair or and durin eanup after ards. o not do repairs in o der omes it out earnin a out safe a s to do t e or to redu e t e dan er of ead dust. undreds of ases of i d ood and adu t ead poisonin resu t ea ear from do it ourse f ome pro e ts.

How does the owner of a home built before 1978 in which a child under six years old lives meet the requirements of the Massachusetts Lead Law?

e first step is to ave a ead inspe tion or ris assessment done. i ensed ead inspe tor i test t e surfa es of t e ome for ead and ive t e o ner a ritten report t at states ere t ere is ead in amounts onsidered a vio ation state a and re ord an ead a ards t at must e orre ted. ris assessor o is a spe ia i ensed ead inspe tor i do a ead inspe tion p us a ris assessment durin i e or s e e s t e ome for t e most serious ead a ards t at must e fi ed for interim ontro . ee uestion a out interim ontro e o . n a i ensed de eader ma do i ris or su as removin ead paint or repairin ippin and pee in ead paint. it er a de eader t e o ner or someone o or s for t e o ner an a ent an do ertain ot er de eadin and interim ontro tas s. ee ne t uestion. n o ner or a ent must et spe ia trainin to perform t e de eadin tas s t e ma do. fter t e or is done t e ead inspe tor or ris assessor returns to e t e ome. e or s e ma ta e dust samp es to test for ead and ma es sure t e ome as een proper eaned up. f ever t in is fine e or s e ives t e o ner a etter of omp ian e or a etter of nterim ontro . fter ettin one of t ese etters t e o ner must ta e reasona e are of t e propert main ma in sure t ere is no pee in ead paint.

Can I do some of the deleading myself?

n assa usetts t e o ner or someone o or s for t e o ner an a ent an do ertain de eadin a tivities. ese in ude overin surfa es it ertain materia s removin ertain ui din parts appin ase oards insta in vin sidin on t e e terior and app in en apsu ants. n apsu ants are spe ia i uid oatin s made to e on astin arriers over ead paint. efore an of t ese de eadin tas s are done t e o ner must first ave a ead inspe tion done and oever is oin to do t e or must et spe ia trainin . onta t for information a out t is trainin . n addition o ners or t eir a ents an perform stru tura repairs and ead dust eanin for interim ontro . efore doin t is or o ners and a ents s ou d et and read s interim ontro oo et. 3

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60 Hickory Drive, Fourth Floor • Waltham, MA 02451

Is there financial help for deleading?

ere is a state in ome ta redit of up to 1 per unit for fu de eadin . redit of up to per unit is avai a e for interim ontro or t at a so ontri utes to fu de eadin ere are a so rants and no interest deferred oans or o interest oans avai a e to e i i e propert o ners. ese funds are avai a e t rou t e . . epartment of ousin and r an eve opment t e assa usetts e utive ffi e of ommunities and eve opment t e assa usetts ousin inan e ut orit o a it and to n ommunit deve opment p annin departments and an s.

Does deleading improve the value of my property?

an omeo ners ave found t at t e enefits of de eadin are not un i e t e enefits of ot er ome improvement pro e ts. ep a ement indo s and doors an save t e omeo ner mone e ause t e are more ener effi ient. avin a e a de eaded ome et er it is a sin e fami or mu ti fami o ner o upied or renta unit an ma e it easier to se or rent often at a etter pri e.

What surfaces must be deleaded for full compliance with the Massachusetts Lead Law?

ners of omes ui t efore 1 ere i dren under si ears of a e ive must ave t e fo o in ead a ards orre ted to et a etter of omp ian e an pee in ippin or f a in ead paint p aster or putt inta t ead paint ot er oatin or putt on movea e parts of indo s it si s five feet or ess from t e f oor or round and t ose surfa es t at ome in onta t it movea e parts inta t ead paint or ot er oatin on a essi e mout a e surfa es. ese surfa es enera in ude ood or su as doors door am s stairs and stair rai s and indo asin s.

What is interim control?

nterim ontro is a set of temporar measures t at propert o ners an ta e to orre t ur ent ead a ards espe ia pee in or ippin ead paint and ead dust. ese steps prote t residents from ead poisonin unti t e ome is fu de eaded. omes in ood ondition ma need itt e or no or to et interim ontro status. ners t en ave up to t o ears efore t e ave to fu de ead t e ome. or t at period t e are free from stri t ia i it under t e state ead a s ou d a i d e ome ead poisoned in t e ome. n addition to t e repair of pee in and ippin ead paint and t e eanin of ead dust ot er or ma e ne essar for interim ontro . is in udes fi in ater ea s or ot er dama e t at ma es ead paint pee and ip ma in indo e s smoot and eas to ean ma in indo s or proper and de eadin an ad ippin and pee in ead painted surfa es.

ropert o ners interested in interim ontro must ire a i ensed ris assessor. e or s e i t en de ide at or if an needs to e done to et a etter of nterim ontro . e ori ina etter of nterim ontro is ood for one ear. e propert o ner an ave t e ome reinspe ted efore t e end of t at ear and if a onditions are met t e ome an e re ertified for anot er ear. t e end of t e se ond ear t e ome must e de eaded if a i d under si sti ives t ere for t e o ner to remain free of stri t ia i it .

Does my family have to be out of the house during deleading or interim control work?

esidents must e out of t e ouse for t e entire time t at a de eader is doin de eadin or inside a ome and for some of t e de eadin or o ners and t eir a ents. esidents ma sta at ome ut out of t e or area i e a de eader propert o ner or o ner s a ent it out a de eader s i ense does ertain ot er de eadin tas s or su interim ontro or as stru tura repairs or ead dust eanin . esidents o ave een out of t e ouse ma not return unti t e de eadin or t at made it ne essar for t em to eave is omp ete t e ome is eaned up and a ead inspe tor or ris assessor as e ed and found t is or as een proper done. or omp ete detai s onta t .

Are there any exemptions to the Massachusetts Lead Law?

e ead a app ies on to omes ui t efore 1 in i a i d under si ives. n ome or apartment avin fe er t an 2 s uare feet of ivin spa e or i is in a roomin ouse is e empt as on as no i d under a e si is ivin t ere. ina omes rented for 31 da s or ess for va ation or re reationa purposes are a so e empt as on as t ere is no ippin or pee in ead paint in t e ome and t e renter as re eived t e ort erm a ation enta otifi ation.

What are the requirements of the state Lead Law if there is a lease with option to buy?

en t ere is a ease it an option to u a ome ui t efore 1 in effe t t e o ner of t e propert must ave it de eaded or rou t under interim ontro if a i d under si ives t ere. f t e tenant it an option to u su a ome pro eeds to pur ase it e or s e e omes responsi e for meetin t e re uirements of t e ead a if a i d under si ives t ere after t e pur ase.

How can I find out about how lead inspections, risk assessments and deleading should be done?

ead inspe tions ris assessments and de eadin must e done a ordin to t e e u ations for ead oisonin revention and ontro 1 ode of assa usetts e u ations 4 . and t e e eadin e u ations 4 4 22. . or fu information omeo ners ma et t ese re u ations at t e tate ouse oo tore tate ouse oston 2133 e p one num er is 1 2 2 34. ead inspe tors and ris assessors i ensed t e epartment of u i ea t ave een trained and are e perien ed in usin t e state approved met ods for testin for ead paint. ese met ods are t e fo o in use of a so ution of sodium su fide a porta e ra f uores en e ma ine or a tests of paint samp es removed from t e ome. e eaders i ensed t e epartment of a or and or for e eve opment ave een trained to use safe met ods to prepare for and do de eadin or and ean up after ards. e ma de ead usin an of t e fo o in met ods removin paint removin ui din parts overin and en apsu atin . en removin paint t e annot use ertain ver dan erous met ods su as open f ame urnin dr a rasive astin or po er sandin it out a spe ia va uum atta ment.

60 Hickory Drive, Fourth Floor • Waltham, MA 02451

How do I get a lead inspection or risk assessment?

n uded as part of t is notifi ation pa a e is a istin of private i ensed ead inspe tors or ani ed a p a eti a and private i ensed ris assessors simi ar or ani ed. s to see t e inspe tor or ris assessor s i ense to ma e sure it is urrent. ou s ou d arran e for t e inspe tion or ris assessment as ui as possi e after de idin ou ant one. f ou do ave an inspe tion or ris assessment ou must ive t e se er a op of t e report.

What is the best time to delead or undertake interim control?

e est time to de ead a ome or rin it under interim ontro is en t e ome is va ant so t at residents i not e e posed to ead and ouse o d furnis in s i not e ontaminated it ead. n addition it often is effi ient and redu es osts to om ine de eadin it ot er repair or ein done to a va ant ome.

What is a Letter of Compliance and a Letter of Interim Control?

nder t e state ead a a etter of omp ian e is a e a etter t at sa s eit er t at t ere are no ead paint a ards or t at t e ome as een de eaded. e etter is si ned and dated a i ensed ead inspe tor. etter of nterim ontro is a e a etter t at sa s or ne essar to ma e a ome temporari safe from ead a ards as een done. t is si ned and dated a i ensed ris assessor. etter of nterim ontro is ood for one ear ut an e rene ed for one more ear. e o ner must fu de ead t e ome and et a etter of omp ian e t e end of t e se ond ear if a i d under si sti ives t ere. e ead a does not re uire t e remova of a ead paint from a ome. n o ner o ets a etter of omp ian e or etter of nterim ontro must ta e reasona e are to eep up t e ome main ma in sure t ere is no ippin or pee in ead paint. f an o ner fai s to ta e reasona e steps to maintain t e ome e or s e ma e ome ia e for dama es to a i d ead poisoned as a resu t of t e o ner s rea of t at dut of reasona e are.

RENTAL PROPERTY INFORMATION

What liability do rental property owners have if they don't comply with the state Lead Law?

f a propert o ner of a ome ui t efore 1 in i a i d under si ives fai s to de ead or rin t e ome under interim ontro and a i d is ead poisoned as a resu t t e propert o ner is stri t ia e for a dama es. n o ner is not stri t ia e for ead poisonin if a etter of omp ian e or etter of nterim ontro is in effe t. tri t ia i it means o ners ma e ia e even if t e did not no ead paint as in t e ome. in e arm to t e idne s and ood e s de a s in ro t earnin disa i ities and emotiona and e aviora distur an es resu tin from ead poisonin an ave ife on effe ts monetar dama es a arded a ainst an o ner responsi e for a i d s ead poisonin an e su stantia . ai in to de ead or rin under interim ontro a ome to i t e ead a app ies is a so an emer en pu i ea t matter and an arr rimina pena ties. n o ner o is notified a pu i a en of ead a vio ation in a propert e or s e o ns and o i fu fai s to orre t t e dan erous onditions is a so su e t to punitive dama es i are t ree times t e a tua dama es found. ese provisions are in addition to an ot er e a ri ts t e ead poisoned i d ma ave.

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60 Hickory Drive, Fourth Floor • Waltham, MA 02451

Can I avoid state Lead Law requirements by not renting to a family with children under six?

e assa usetts ead a ma es it i e a to refuse to rent to fami ies it i dren under si or evi tin or refusin to rene t e ease of fami ies it i dren under si e ause of ead paint. is rimination a ainst fami ies it oun i dren is a so a vio ation of t e . . air ousin t and t e assa usetts anti dis rimination statute. arents annot aive t e ri ts of t eir i dren to ive in ead safe ousin or a ree to assume to ris s of ead e posure. ners o vio ate t ese a s fa e eav pena ties. e assa usetts ommission ainst is rimination investi ates and prose utes ases of dis rimination a ainst fami ies it i dren e ause of ead paint.

t is a so i e a for enders to den finan in e ause a ome as ead paint or e ause finan in ou d tri er future duties under t e ead a . is does not restri t t e ri t of a ender to pro ess or den a mort a e app i ation in a ordan e it a epted under ritin pra ti es and riteria.

If I am considering buying a pre-1978 house to rent out, and a child under six lives in one of the apartments, should I have at least that unit and common area inspected for lead now?

es. f t ere are i dren under si ivin in su an apartment and t e apartment does not ave a etter of omp ian e or etter of nterim ontro u ers s ou d find out et er or not t e apartment as ead a ards and i ave to e rou t into omp ian e it t e state ead a . is information i e important in de idin et er to u t e propert and at at pri e. s noted a ove ne o ners ave da s from t e date of ta in tit e to ave su an apartment de eaded or rou t under interim ontro . erefore t e s ou d arran e de eadin or interim ontro or to e in as soon as possi e after ta in tit e to e sure t e or is done it in da s.

Can a landlord delay a tenancy to bring a home into compliance with the state Lead Law?

and ord o i e de eadin a ome or rin in it under interim ontro ma de a t e start of t e tenan up to 3 da s. is an e done as on as a ease et een t e and ord and t e ne tenant does not e ist. urin t is de a period t e ne tenants are responsi e for t eir ivin e penses. f t ere is a si ned ease o ever t e and ord is responsi e for temporar ousin durin re o ation ne essar for de eadin or .

Must a landlord arrange temporary housing for a tenant while a rental home is being deleaded?

nder t e state ead a tenants ave to e re o ated for t e time t at ertain de eadin or is ta in p a e inside t e ome. e ma not return unti t at or is done t e ome is eaned up and a i ensed ead inspe tor or ris assessor e s and finds it is fine for residents to move a in.

e and ord and tenant are responsi e for or in out an a epta e p an for a ternative ousin if it is ne essar . e and ord ma move t e tenant to anot er p a e to ive i ma e anot er ouse apartment mote or ote . e and ord is responsi e for pa in t e tenant s reasona e movin osts and an temporar ousin osts over and a ove t e rent of t e ome ein de eaded urin t e time t e ome is ein de eaded t e tenant remains responsi e for pa in t e norma rent t e ou d pa for t is period as t eir s are of t e ost of temporar ousin . e ead a states t e temporar ousin must not ause undue e onomi or persona ards ip to t e tenant.

What is tenant notification?

e oa of t e federa and state re uirements for tenant notifi ation is to e p redu e ead poisonin ivin a tenants of omes ui t efore 1 information a out ead in t eir ome e pro ram a so edu ates tenants and and ords a out t e dan ers of ead poisonin its prevention and t e assa usetts ead a . enant notifi ation app ies to a tenants et er or not t e ave a i d under si ivin it t em. efore rentin a ome and ords mana in a ents or an rea estate a ent invo ved in t e renta must ive ne tenants opies of an e istin ead forms for t e ome. ese in ude ead inspe tion reports ris assessment reports a etter of omp ian e no matter o o d or a etter of nterim ontro . f t e and ord or a ent does not ave an or a of t ese forms for t e ome e or s e simp does not ive t em. n addition t e and ord or a ent must ive ne tenants t e enant ead a otifi ation. is form addresses ead poisonin spe ifi prevention tips for parents t e re uirements of t e ead a and an e p anation of t e ead forms. tta ed to t e enant ead a otifi ation is t e enant ertifi ation form. is is to e fi ed out and si ned ot t e tenant and t e and ord or a ent. a part ets a op to eep. These forms have been approved to satisfy both state and federal lead notification requirements. and ords or a ents ma oose to in ude t e enant ead a otifi ation enant ertifi ation form in a ritten ease instead of usin a separate form. and ords and a ents o fai to arr out t eir tenant notifi ation o i ations are ia e for a dama es aused t eir fai ure to do so and are su e t to a fine up to 1 .

INSURANCE INFORMATION

How can an owner of rental housing in Massachusetts built before 1978 get insurance to cover potential lead liability?

e ans er depends on t e num er of units t at t e propert o ner is es to insure and et er t e propert o ner ives in t e ui din for i insuran e is sou t. n o ner o upant o insures four or fe er units ma e overed omeo ners insuran e. enera t e propert o ner o is not an o ner o upant i need to et ommer ia ia i it insuran e as i an o ner o upant o is es to insure more t an four units.

omeo ners insuran e ma e avai a e from severa different sour es t e re u ar admitted mar et t e an or t e surp us ines mar et. e re u ar admitted mar et is t e usua mar et for insuran e. e an offers omeo ners insuran e to propert o ners una e to find overa e in t e re u ar mar et. e surp us ines mar et is a ess re u ated and enera more e pensive mar et. t provides insuran e to t ose o annot find overa e e se ere.

nder state ivision of nsuran e re u ations if an insurer in t e re u ar mar et de ides to rite omeo ners insuran e on renta ousin for i a etter of omp ian e or etter of nterim ontro is in effe t t e insurer must provide overa e of ead paint ia i it arisin from t ose premises. Neither the state Lead Law nor the insurance regulations require a regular market insurer to write liability insurance, including homeowners insurance, on a particular property. f a etter of omp ian e or etter of nterim ontro is in effe t for on part of a propert t e overa e for ead ia i it i e tend to on t at part of t e propert . u insuran e i a so app to an ommon areas overed t e etter of omp ian e or etter of nterim ontro . t i not o ever e tend to in uries resu tin from ross or i fu ne i en e. e an s overa e of ead ia i it is su e t to t e same re u ations t at app to t e re u ar mar et. n insurer in t e re u ar mar et or t e an ma as t e propert o ner to prove t at t ere is a etter of omp ian e or a etter of nterim ontro for t e ome sou t to e insured. n e t e proof is provided overa e for ead ia i it i app as of t e date of t e etter. f t e air an determines t at a iven propert is e i i e for insuran e or if a re u ar mar et insurer e e ts to insure ertain premises eit er ma e ude ead ia i it overa e on an part of t e propert it ensures to i no etter of omp ian e or etter of nterim ontro app ies. f eit er t e air an or a re u ar mar et insurer uses su an e usion it must offer t e o ner of t e premises t e an e to u a t e e uded overa e. ere is an additiona ar e for t e ead ia i it u a overa e. e amount of t is ar e is re u ated t e ivision of nsuran e. 1 2 2 1

60 Hickory Drive, Fourth Floor • Waltham, MA 02451

n t e surp us ines mar et t ere is no re uirement to over ead ia i it arisin from premises to i a etter of omp ian e or etter of nterim ontro app ies. urp us ines insurers enera e ude overa e of ead ia i it do not offer t e u a overa e and ar e i er pri es t en t e re u ar mar et. in e t e an does not provide ommer ia ia i it insuran e propert o ners o need to et su overa e as opposed to omeo ners insuran e must et it from eit er t e re u ar mar et or t e surp us ines mar et. ommer ia ia i it insuran e from t e surp us ines mar et i e omeo ners insuran e from t at mar et usua i e ude overa e of ead ia i it i not in ude t e u a option and i ost more t an re u ar mar et overa e.

i e a re u ar mar et insurer an de ine to rite ommer ia ia i it insuran e on a iven propert on e su an insurer de ides to rite su overa e it must t en insure ead ia i it arisin from an part of t e propert overed a etter of omp ian e or etter of nterim ontro . f su an insurer ooses to insure a propert it ma e ude overa e of ead ia i it on an part of t e premises for i no etter of omp ian e or etter of nterim ontro is in effe t f su insurer app ies su an e usion it must offer t e propert o ner t e opportunit to u a t e e uded overa e. e ead ia i it insuran e re u ations des ri ed a ove as app i a e to re u ar mar et omeo ners insuran e a so app to ommer ia ia i it insuran e from t e re u ar mar et.

ners of renta ousin s ou d tr to et overa e for ead ia i it et er t e ave met t e re uirements of t e ead a or not see in re u ar mar et overa e t rou insuran e a ents or onta tin dire t ritin ompanies t at are isted in t e te ep one dire tor efore resortin eit er to t e an or t e surp us ines mar et.

If I own and occupy a single-family house, does my homeowners insurance cover lead liability?

nder t e state ead ia i it insuran e re u ations overa e of ead ia i it annot e e uded from re u ar mar et and an omeo ners insuran e po i ies on sin e fami o ner o upied omes. nstead ead ia i it overa e is in uded in su po i ies. o ever a fami mem er overed a omeo ners po i annot ma e a ead ia i it aim a ainst anot er fami mem er overed t e same po i . e re uirements of t e ead ia i it insuran e re u ations do not app to omeo ners overa e from t e surp us ines mar et.

How are new owners affected by the lead liability insurance regulations?

f a u er of renta ousin ui t efore 1 meets t e state ead a s re uirements and ets a etter of omp ian e or etter of nterim ontro it in da s after e omin t e o ner t en under ertain onditions t e i e a e to et overa e for ead ia i it for t e period t e o ned t e propert efore t e de eaded or rou t it under interim ontro . is i appen if a re u ar mar et insurer ooses to provide ia i it overa e on t e propert . u an insurer is re uired to provide ead ia i it overa e to a ne o ner o o tains a etter of omp ian e or etter of nterim ontro it in da s after e omin t e o ner of t e propert . u overa e i o a to t e time t at t e ne o ner too tit e to t e propert un ess t e ia i it insuran e ent into effe t some time after t e ta in of tit e n t e atter ase t e overa e of ead ia i it i e tend a to t e time t at t e ia i it insuran e e d t e ne o ner first ent into effe t on t e premises. e ru e for ne o ner ead ia i it insuran e overa e for t e an is t e same as for t e re u ar mar et. ese spe ia ru es for ead ia i it insuran e for ne o ners do not app to insuran e from t e surp us ines mar et.

What happens next?

at s up to ou. t t is point ou s ou d e e informed a out ead poisonin t e effe ts of ead a ards in t e ome and our responsi i ities under t e assa usetts ead a . n t e past t e epartment of u i ea t as ad to devote its i d ood ead poisonin resour es to provide servi es to t e t ousands of assa usetts i dren o ere poisoned as e as to providin servi es to i dren ose ood ead eve s are e evated to prevent t em from e omin ead poisoned. et een t e epartment s or and t e preventive de eadin arried out propert o ners e ave een su essfu at redu in t e num er of ead poisonin s amon oun i dren in assa usetts. of us at t e epartment are opefu t at e i ontinue t at partners ip in i t e orre tion of ead a ards in t e omes of oun i dren before t ose i dren are ead poisoned is so important.

Where can I get more information on lead poisoning?

assa usetts epartment of u i ea t i d ood ead oisonin revention ro ram or more opies of t is form and fu ran e of information on o ners and tenants ri ts and responsi i ities under t e state ead a finan ia e p for o ners safe renovation or and soi testin

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PROPERTY TRAN

NOTIFICATION CERTIFICATION

is form is to e si ned t e prospe tive pur aser efore si nin a pur ase and sa e a reement or a memorandum of a reement or t e essee prospe tive pur aser efore si nin a ease it an option to pur ase for residentia propert ui t efore 1 for omp ian e it federa and assa usetts ead ased paint dis osure re uirements.

Required Federal Lead Warning Statement:

ver pur aser of an interest in residentia propert on i a residentia d e in as ui t prior to 1 is notified t at su propert ma present e posure to ead from ead ased paint t at ma p a e oun i dren at ris of deve opin ead poisonin . ead poisonin in oun i dren ma produ e permanent neuro o i a dama e in udin earnin disa i ities redu ed inte i en e uotient e aviora pro ems and impaired memor . ead poisonin a so poses a parti u ar ris to pre nant omen. e se er of an interest in residentia rea propert is re uired to provide t e u er it an information on ead ased paint a ards from ris assessments or inspe tions in t e se er s possession and notif t e u er of an no n ead ased paint a ards. ris assessment or inspe tion for possi e ead ased paint a ards is re ommended prior to pur ase.

Seller's Disclosure

a resen e of ead ased paint and or ead ased paint a ards e i or ii e o i no n ead ased paint and or ead ased paint a ards are present in t e ousin e p ain .

ii e er as no no ed e of ead ased paint and or ead ased paint a ards in t e ousin . e ords and reports avai a e to t e se er e i or ii e o

i e er as provided t e pur aser it a avai a e re ords and reports pertainin to ead ased paint and or ead ased paint a ards in t e ousin e do uments e o . ead nspe tion eport is ssessment eport etter of nterim ontro etter of omp ian e ii e er as no reports or re ords pertainin to ead ased paint and or ead ased paint a ards in t e ousin .

Purchaser's or Lessee Purchaser's Acknowledgment initia

ur aser or essee pur aser as re eived opies of a do uments e ed a ove. d ur aser or essee pur aser as re eived no do uments. e ur aser or essee pur aser as re eived t e ropert ransfer ead aint otifi ation. f ur aser or essee pur aser as e i or ii e o i re eived a 1 da opportunit or mutua a reed upon period to ondu t a ris assessment or inspe tion for t e presen e of ead ased paint and or ead ased paint a ards or ii aived t e opportunit to ondu t a ris assessment or inspe tion for t e presen e of ead ased paint and or ead ased paint a ards.

Agent's Acknowledgment initia

ent as informed t e se er of t e se er s o i ations under federa and state a for ead ased paint dis osure and notifi ation and is a are of is er responsi i it to ensure omp ian e.

ent as ver a informed pur aser or essee pur aser of t e possi e presen e of dan erous eve s of ead in paint p aster putt or ot er stru tura materia s and is or er o i ations to rin a propert into omp ian e it t e assa usetts ead a eit er t rou fu de eadin or interim ontro if it as ui t efore 1 and a i d under si ears o d resides or i reside in t e propert

Certification of Accuracy

e fo o in parties ave revie ed t e information a ove and ertif to t e est of t eir no ed e t at t e information t e ave provided is true and a urate. e