Molly Campbell Palmer | The Home Selling Process

TheHome SellingProcess

Your GuidetoSellingProperty

PRESENTED BY

MOLLY CAMPBELL PALMER VICE PRESIDENT

Prepared For Cori Beth Roach

179 Cordaville Road,Southborough

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

TheSellingProcess

I N I T I A L CON SULTAT I ON

Discuss Listing Timeline

Documents and Disclosures

Pricing and Valuation

PREPA RE YOUR H OM E

Decluttering and Cleaning

Repairs and Updates

Staging

M A RK ET I N G YOUR H OM E

Professional Photography and Floor Plans

Print and Digital Marketing

Showings and Open Houses

M A N AGI N G OFFERS

Review

Negotiate

Accept

M A N AGI N G T H E SA L E

Purchase and Sale

Financing/Appraisal

Mortgage Approval

M A N AGI N G T H E CLOSI N G

Documents and Certificates

Final Utility Readings

Coordinate Closing

TipstoPrepare YourHome

01 | DECLUTTERING

The first step in the process of preparing your home for sale is decluttering While going through old items in your home, a good rule of thumb to remember is that if you haven? t used the item in over a year,you probably won? t use it or need it again.

If you do decide to discard items that are still in decent shape, you can always donate them to a charity or nonprofit organization within your community For items that need to be thrown away,some towns will pick up used goods and recycle them in a beneficial way

For any items you decide to keep,store them away in boxes and closets so they are not visible,which will make your home look neater

02 | ORGANIZING

As potential buyers are touring your home, they might be interested in storage space, such as in closets or in the garage It is important to organize these areas before open houses to make sure there is a nice aesthetic.

To keep your kitchen cabinets organized maybe you alphabetize spice jars and neatly stack dishes. In bedrooms, you can keep the closets organized by making sure shirts aren? t falling off hangers and lining up shoes neatly In the living room, fold blankets, fluff pillows and neatly stack up any books or magazines that might be visible

03 | DEEP CLEANING

Whether you hire a professional cleaning company or you clean the house on your own, it is essential to make sure everything is spotless Not only should you clean all rooms and surfaces in your home by dusting, mopping, polishing, etc , but you should also focus on the exterior of your home such as cleaning the outside of windows and power washing.

Clean and air out any musty areas by opening the windows or lighting a candle. The night before a showing,be sure to avoid cooking with odorous foods such as fish or garlic Instead you can make the house smell welcoming with a fresh batch of baked goods!

04 | MAINTENANCE

In order to get the most money for your home, be sure to make any necessary repairs These could include replacing cracked floor or counter tiles, patching any holes in the walls, and fixing leaky faucets. You also want to check that all doors close properly and kitchen drawers don? t jam If there are any burned-out light bulbs in your house,make sure to replace those as well.

05 | STAGING

You want potential buyers to have a great first impression when touring your home, so this final step is very important Although hiring a professional stager is definitely an option, you can easily make a few updates to a room to make it feel new

The whole house doesn? t need to be staged, but instead focus on the main rooms such as the kitchen, living room and the primary bedroom In the kitchen, you can place a bowl of fresh fruit on the counter top or add some fresh flowers to the dining room table In the living room, add a decorative blanket and some throw pillows to the sofa

06 | MAXIMIZE CURB APPEAL

Don? t forget to create curb appeal by staging the exterior of your house, as this is the true first impression Keep your yard tidy by mowing the grass and trimming bushes and shrubs. You can also add color by planting flowers in your front yard. In the winter, add seasonal touches like a wreath or holiday lights to make your home more festive.

Don? t just get it on themarket.Get it the attentionit

deserves

We believe that all properties deserve exceptional marketing Our dedicated marketing department will collaborate with your listing agent to develop a tailored marketing plan that showcases your property through a local, national, and global lens. We leverage professional photography and video, print, digital and social media marketing, advertising, and public relations to maximize the exposure of your listing

SOUTHBOROUGH

SINGLE-FAM ILY HOM ES

71 Down 3 From 2024 HOME SALES

MEDIAN DAYS ON MARKET

22 Compared to 21in 2024

MEDIAN SALE PRICE

$1,045,000

$5,500 Over 2024

Source: MLS Pin

MarketingTimeline

PRIOR TO MLS LAUNCH

- Prepare property for sale

- Schedule photo shoot

- Professional photography

- Property video and/or 3D virtual tour

- Floor plans

- Install ?For Sale?signage on property

- Create and finalize marketing collateral

- Top Agent Network (TAN) outreach

WEEK OF MLS LAUNCH

- Submit property to MLS to reach the brokerage community

- Property will be displayed on gibsonsothebysrealty com and sothebysrealty com

- Property will be syndicated to more than 30 international websites and will be marketed on more than 100 local Sotheby?s International Realty®websites

- Property will have a custom listing page on mollycampbellpalmer com

- Introduce the property to the local brokerage community via email campaign

- Molly to introduce the property via email,social media,and calls to sphere of influence

- Launch a digital ad campaign or mail a postcard to reach a targeted audience of potential buyers

ONGOING

- Host public and broker open houses and conduct private showings

- Showcase property in office window displays

- Showcase property in offices via Apple TVapp

- Showcase the property on GSIR?s social media channels,reaching 15K followers collectively

- Feature property in monthly eNewsletter sent to sphere of influence

- Consider digital and/or print advertising opportunities

- Molly will provide data on the web traffic and the number of showings

Photography

The art of marketing your home begins with brilliant photography Gibson Sotheby?s International Realty follows strict standards that guarantee the best images of your home are distributed worldwide To elevate the consumer experience, I also offer video, 3D tours, drone photography, and floor plans.

Property Video

I have the ability to showcase the features of your property through the dynamic medium of video,allowing prospective buyers to envision the space comprehensively and attracting maximum online exposure

Brochures

Our multi-page property brochures highlight key details of your home with beautiful high-resolution photography

Email Marketing

Through tailored email campaigns, I will introduce your home to the Gibson Sotheby?s International Realty agent network, the local brokerage community, and my sphere of influence.

Digital Option

Print Option OR

Social Media Exposure

I will introduce your home and promote upcoming open houses across my social media channels with elevated social media graphics, high resolution photography, and videography

Digital Ad Campaign via Boost

I will launch a 7-day social and digital advertising campaign to drive awareness and web traffic The campaign will run on Facebook, Instagram, Nextdoor, and over 1,000 popular websites including HGTV, Realtor com, CNN, NYT, Google, The Weather Channel,and more.

Direct Mail

I will mail 100 direct mail postcards to a targeted list of prospective buyers

Online Presence

Your property will be displayed on our localized website, gibsonsothebysrealty com, on the award-winning website, sothebysrealty.com and on mollycampbellpalmer.com. Recently enhanced, sothebysrealty com is now in 14 languages/dialects and half of all site traffic comes from outside the United States, giving your listing a true competitive advantage.

Property Syndication

Once a home is showcased on sothebysrealty com, it is syndicated to more than 30 international websites that are leaders in their categories and markets, and will also be marketed on more than 100 local Sotheby?s International Realty®websites.

Window Display

Your home will be prominently displayed in our office window display, capturing optimal foot traffic Please note, displays are not available at all office locations.

Advertising Opportunities

Our cooperative advertising program provides access to an array of print and digital options to advertise your home This program leverages high-profile, global media partners and offers targeted reach and vast worldwide exposure Please inquire for details.

Displayed via Apple TV app

Our innovative Apple TV app displays a rotation of properties on the big-screen in our offices

Public Relations

Our in-house public relations department will craft a media pitch and present to local/regional publications for potential editorial coverage In addition, we will work alongside Sotheby's International Realty's® corporate public relations team to submit the property to be considered for editorial opportunities with premium media outlets such as The Boston Business Journal, The Wall Street Journal,The New York Times,Dwell,etc

Property Performance

Through ListTrac, Sotheby?s International Realty?s® property reporting suite, you?ll see the results as they unfold I will provide data on the web traffic for your listing and the number of showings This helps steer the sales strategy along the way and guide informed decisions

Top Agent Network Outreach

Molly is a certified member of the Top Agent Network (TAN), an exclusive group comprising the top 10% of producing real estate agents. Membership grants top-producing agents in local markets the ability to share privileged, non-MLS information that can be crucial to your success as a seller of a home Molly is positioned to exchange market intel with other top agents in the area and be the first to know about motivated buyers and quiet and coming soon listings. Prior to launching on MLS, she will distribute property details to the TAN network as a coming soon opportunity

$3.39Billion TOTAL SALES VOLUME IN 2024

6,451 CLIENTS HELPED IN 2024

4,030 TENANTS PLACED IN 2024

1,250 CLIENTS HELPED THROUGH THE GLOBAL REFERRAL NETWORK

500+ SALES ASSOCIATES 27

$1,203,576

$1,199,775

$1,000,821

Client Testimonials

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 "

AGREEMENT FOR EXCLUSIVE RIGHT TO SELL WITH CONSENT TO DESIGNATED AGENCY

Date: ____________________________ Price: $

Property Address: Seller Name(s):___________________________

Seller Agent:______________________________________________________________________

Comments:

I/we (herein “Seller”) authorize Gibson Sotheby’s International Realty (herein “Gibson SIR”) to act as our agents for the sale of the above-described real estate and have the authority to do so. The information contained herein is provided by Seller and is a true representation of the offering being made. In consideration of the mutual covenants and agreements herein, Seller hereby gives Gibson SIR the sole and exclusive right to sell the Property for the price and upon the terms and conditions set forth herein.

Gibson SIR agrees to bear all expense of advertising, marketing, promoting and showing the Property Gibson SIR agrees to use reasonable efforts to obtain a ready, willing and able buyer for the Property in accordance with the terms and conditions of this Agreement and in compliance with applicable Fair Housing Laws.

DISCLOSURE REGARDING BROKER COMMISSIONS Commissions paid to real estate brokers and/or terms of brokerage agreements are not set by law and are fully negotiable The terms of this contract will govern payment of a commission to Gibson SIR, and as discussed below address payment of commissions to brokers representing and acting as agents for potential buyers of the Property.

1. In consideration of mutual promises agreed herein and Gibson SIR’s expense and efforts, Seller agrees as follows:

(a) SELLER FEE. To pay Gibson SIR a fee of ____% of the agreed upon sales price for the Property if, during the Term of this Agreement, Gibson SIR produces a prospective buyer ready, willing and able to purchase the Property at the asking price or other price and terms acceptable to Seller, whether or not the transaction proceeds; or if the Property is sold through the efforts of anyone including Seller; or if the Property is sold within 180 days after the term of this Agreement to anyone who was introduced to the Property through the efforts of Gibson SIR or the Seller Agent prior to the expiration of the term of this Agreement.

Seller’sInitials

© Gibson Sotheby’s International Realty

In the event that Seller and Gibson SIR shall, for any reason, be unable to resolve a dispute arising from any of the terms of this Agreement, then either party may submit the matter to binding arbitration for the purpose of resolving the dispute.

The Seller hereby acknowledges receipt of Gibson SIR’s wire fraud protection policy and the Massachusetts Mandatory Consumer Licensee Disclosure form. The Seller Agent has explained Gibson SIR’s policy regarding agency relationships; Seller understands that Gibson SIR and its’ affiliated agents represent both prospective purchasers and sellers of real estate. The brokerage practices Designated Agency and, in instances where the Designated Agent(s) individually represents both the Buyer and the Seller, the Designated Agent may act as a Dual Agent as agreed herein. The obligations of Designated Agency and Dual Agency are further explained below and in the Massachusetts Mandatory Consumer Licensee Disclosure form.

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 the 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.

Seller is advised that:

a) The Designated Seller's Agent will represent the Seller and will owe the Seller 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 Seller nor will they owe the other duties specified in paragraph (a) to that Seller, and may potentially represent the buyer; 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.

SELLER ACKNOWLEDGMENT AND CONSENT AS TO DESIGNATED AGENCY

I acknowledge and agree that [insert name of Licensee and License #] ____________________________________________________________________________ is authorized to represent me as a Designated Agent. I hereby consent to Designated Agency.

Facilitation authorization: The Seller authorizes Gibson SIR and the Seller Agent to show the Property to other agents in Gibson SIR’s offices and such agents coming into the Property shall, unless disclosed as above, be acting as Facilitators, in a non-agency capacity. Such Facilitators may be asked to give comments to the Seller Agent regarding the Property, its’ marketability, price, etc. In doing so, such Facilitators are not acting as agents of the Seller nor are they acting for a buyer. Further, in the event the Designated Agent is unable to accompany a showing or attend an open house at the Property, the Seller authorizes Gibson SIR to allow licensed agents in the office to attend the showings or open houses as Facilitators.

NOTICE OF DESIGNATED AGENCY

In the event Designated Agency occurs, the Seller Agent shall give written notice to the Seller and the buyer when the situation has been identified, stating that the Seller Agent is acting as a Designated Agent in the transaction.

INSTRUCTION REGARDING MULTIPLE OFFERS

Upon receipt of an offer, or in the event, during the marketing of the property, Gibson SIR receives more than one offer for the Property, or is in possession of offer(s) and Gibson SIR receives inquiries about whether the Seller has received offers, or Gibson SIR believes there may be potential buyers who may be contemplating making an offer, the Seller hereby authorizes Gibson SIR’s Seller Agents named herein as follows:

_______the Seller Agent may not disclose the existence of any offer(s) received by the Seller nor the terms of any offer received; such terms include price, contingencies, dates for performance, etc., to any potential buyer or real estate licensee and shall treat all such information as confidential.

_______the Seller Agent may disclose the existence of any offer(s) received by the Seller or that there is an anticipated offer expected to any potential buyer and/or real estate licensee(s), and whether any such offer was procured by the Seller Agent, Gibson SIR or that of another licensed broker, but shall not disclose the terms of any offer received; such as price, contingencies, dates for performance, etc ; and shall treat such terms as confidential.

_______the Seller Agent may disclose the existence of any offer(s) received by the Seller to any potential buyer and/or real estate licensee(s), whether such offer was procured by the Seller Agent, Gibson SIR or that of another licensed broker, and may further disclose the terms of any offer; price, contingencies, dates for performance, etc., to any potential buyer(s) or real estate licensee(s).

Seller’s disclosure of known Property defects:

Seller lists above any defects known to Seller. Seller authorizes broker to disclose said defects to prospective purchasers, as well as any defects which may be discovered by inspection performed by

Seller’sInitials

inspector hired by prospective purchaser. Seller lists below any liens, encumbrances, or title defects known to Seller.

Seller’s disclosure of known liens, encumbrances or title defects:

DISCLOSURE AND WARNING REGARDING THE MASSACHUSETTS WIRETAP STATUTE.

Many homes are equipped with home security systems which may include the ability to obtain audio recording as well as video recording on and in the Property. M.G.L. c. 272 § 99 prohibits intercepting oral communications without consent of all parties involved. To avoid violation of the Massachusetts Wiretap Statute, in the event the Seller has a security system on the Property that is capable of both audio and visual recordings, the audio feature must be turned off or disabled during all showings and/or open houses to prevent unauthorized interception of oral communications. Video recording may be left on during all showings and/or open houses without violating the Statute.

Additional Provisions:

Seller acknowledges that the Seller has read the complete Agreement and consents to the terms contained herein.

Seller

Broker of Record, Laurence Rideout:____________________________________________________

OF DESIGNATED AGENCY

I acknowledge and agree to represent the above named consumer as a Designated Agent and my signature below signifies that I understand the duties and responsibilities of that relationship, and have explained to the consumer that I am their Agent, together with any other licensees expressly appointed as their Designated Agent; and that the appointing Broker/Salesperson may become a "dual agent;" and that no one else affiliated with my firm represents them.

Signature of Broker/Salesperson

License Number Today’s Date

Initials

CONSENT TO DUAL AGENCY

In the event the Seller’s Designated Agent(s) identified above have a buyer client with whom the identified Designated Agent(s) has an existing agency relationship, and the buyer is interested in the Property of the Seller, then Dual Agency in Designated Agency will result. A real estate broker or salesperson may act as a Dual Agent who represents both prospective buyer and Seller with their informed written consent. A Dual Agent is authorized to assist the buyer and Seller in a transaction, but shall be neutral with regard to any conflicting interest of the buyer and Seller. Consequently, a Dual Agent will not have the ability to satisfy fully the duties of loyalty, full disclosure, reasonable care and obedience to lawful instructions, but shall still owe the duty of confidentiality of material information and the duty to account for funds.

Buyers and Sellers should understand that material information received from either client that is confidential may not be disclosed by a Dual Agent, except: (1) if disclosure is expressly authorized; (2) if such disclosure is required by law; (3) if such disclosure is intended to prevent illegal conduct; or (4) if such disclosure is necessary to prosecute a claim against a person represented or to defend a claim against the broker or salesperson. This duty of confidentiality shall continue after termination of the brokerage relationship.

SELLER ACKNOWLEDGMENT AND CONSENT AS TO DUAL AGENCY

I acknowledge and agree that [insert name of Licensee and License #]_________________________________________________________ is (are) authorized to represent both the buyer and Seller as a Dual Agent. I hereby consent to Dual Agency

NOTICE OF DUAL AGENCY

In the event the Seller Agent is a Designated Agent who may be acting in a Dual Agency capacity, the Seller Agent shall give written notice to the Seller and the buyer.

BROKER/SALESPERSON ACKNOWLEDGMENT REGARDING DUAL AGENCY

I acknowledge and agree to represent the above named consumer as a dual agent and my signature below signifies that I understand the duties and responsibilities of that relationship, and have explained to the consumer that I am a dual agent and therefore will assist the buyer and the seller in the transaction, but shall be neutral with regard to any conflicting interest of the buyer and seller. In the event dual agency occurs, that I represent the buyer and the seller in the same transaction, I shall give notice to the seller in compliance with the applicable licensing law

Signature of Broker/Salesperson

License Number Today’s Date

Seller’sInitials

TheCommonwealthofMassachusetts ExecutiveOfficeofHealthandHumanServices DepartmentofPublicHealth BureauofEnvironmentalHealth 250WashingtonStreet,7thFloor Boston,MA02108

(800)532-9571/(617)624-5757

CHILDHOODLEADPOISONINGPREVENTIONPROGRAM(CLPPP) PROPERTYTRANSFERLEADPAINTNOTIFICATION

UnderMassachusettsandfederallaw,thisnotificationpackagemustbegiventoprospective purchasersofhomesbuiltbefore1978. This package must be given in full to meet state and federal requirements.Itmaybecopied,aslongasthetypesizeisnotmadesmaller.Everysellerandanyreal estateagentinvolvedinthesalemustgivethispackagebeforethesigningofapurchaseandsale agreement,aleasewithanoptiontopurchase,or,understatelaw,amemorandumofagreementusedin foreclosuresales.Sellersandagentsmustalsotelltheprospectivepurchaseranyinformationtheyknow aboutleadinthehome.Theymustalsogiveacopyofanyleadinspectionreport,riskassessmentreport, LetterofComplianceorLetterofInterimControl. Thispackageisforcompliancewithbothstateand federalleadnotificationrequirements.

RealestateagentsmustalsotellprospectivepurchasersthatunderthestateLeadLaw,anew ownerofahomebuiltbefore1978inwhichachildundersixwillliveorcontinuetolivemusthaveit eitherdeleadedorbroughtunderinterimcontrolwithin90daysoftakingtitle.Thispackageincludesa checklisttocertifythattheprospectivepurchaserhasbeenfullynotifiedbytherealestateagent.This certificationshouldbefilledoutandsignedbytheprospectivepurchaserbeforethesigningofa purchaseandsaleagreement,aleasewithanoptiontopurchaseoramemorandumofagreementusedin aforeclosuresale.Itshouldbekeptintherealestateagent'sfiles.Aftergettingnotice,theprospective purchaserhasatleast10days,orlongerifagreedtobythesellerandbuyer,tohavealeadinspectionor riskassessmentifheorshechoosestohaveone,exceptincasesofforeclosuresales.Thereisno requirementforaleadinspectionorriskassessmentbeforeasale.Alistofprivateleadinspectorsand riskassessorslicensedbytheDepartmentofPublicHealthisattachedandcanalsobefoundonthe ChildhoodLeadPoisoningPreventionProgram'swebsiteatwww.mass.gov/dph/clppp.

Sellersandrealestateagentswhodonotmeettheserequirementscanfaceacivilpenaltyofup to$1,000understatelaw;acivilpenaltyofupto$10,000andpossiblecriminalsanctionsunderfederal law,aswellasliabilityforresultingdamages.Inaddition,arealestateagentwhofailstomeetthese requirementsmaybeliableundertheMassachusettsConsumerProtectionAct.

Thepropertytransfernotificationprogrambeganin1988andhasbeenverysuccessful.It providesinformationyouneedtoprotectyourchild,oryourtenants'child,fromleadpoisoning. Massachusettshasataxcreditofupto$1,500foreachunitdeleaded.Therearealsoanumberofgrants andno-interestorlow-interestloansavailablefordeleading.It'suptoyoutodoyourparttowardending leadpoisoning.

PLEASETAKETHETIMETOREADTHISDOCUMENT.LEADPOISONINGISTHENATION'S LEADINGENVIRONMENTALHAZARDAFFECTINGCHILDREN.DON'TGAMBLEWITH YOURCHILD'SFUTURE.

CLPPPForm94-2,6/30/94,Rev.2/03,Rev.10/09

Whatisleadpoisoning?Howdochildrenbecomeleadpoisoned?

Leadpoisoningiscausedbyexposuretoleadintheenvironment. Itismostdangerousfor childrenundersixyearsold.Inyoungchildren,toomuchleadinthebodycancausepermanentharmto thebrain,kidneys,nervoussystemandredbloodcells.Evenatlowlevels,leadinchildren'sbodiescan slowgrowthandcauselearningandbehavioralproblems.Themainwaychildrengetleadpoisonedisby swallowingleadpaintdust.Theydonothavetochewonleadedsurfacesoreatpaintchipstobecome poisoned.Mostchildhoodleadpoisoningiscausedbychildren'snormalbehaviorofputtingtheirhands orotherthings,suchastoys,intheirmouths.Iftheirhandsortheseobjectshavetouchedleaddust,this mayaddleadtotheirbodies.Childrencanalsobeexposedtoleadfromsuchothersourcesasleadcontaminatedsoilorwater,butthesesourcesalonerarelycauseleadpoisoning.Leadcanbefoundin soilnearold,lead-paintedhouses.Ifchildrenplayinbare,leadedsoil,oreatvegetablesorfruitgrownin suchsoil,orifleadedsoilistrackedintothehomeandgetsonchildren'shandsortoys,leadmayenter theirbodies.

Whatarethesymptomsofleadpoisoning?Howisitdetected?

Mostleadpoisonedchildrenhavenospecialsymptoms.Theonlywaytofindoutifachildis leadpoisonedistohavehisorherbloodtested.TheMassachusettsLeadLawrequiresallchildren between9monthsand3yearsoldtobescreenedannuallyforlead,andagainatage4iflivinginahighriskcommunity. Ifyourchildhasbeenexposedtolead,orifyoudonotknowifyourchildunderage sixhasbeenscreenedforlead,askyourchild'sdoctor,otherhealthcareprovideroryourlocalboardof healthforasimplescreeningtestofyourchild.

Whatisthetreatmentforleadpoisoning?

Treatmentofaleadpoisonedchildstartswithfindingandremovingtheleadhazardstowhich thechildisexposed.Thiswillincludealeadinspectionofthechild'shome,andifleadhazardsare identified,deleadingofthehome.Medicaltreatmentdependsonthechild'sbloodleadlevelandthe child'sresponsetotheremovaloftheleadsource.Parentswillbetaughtaboutprotectingtheirchild fromleadexposure.Theywillneedtowatchthechild'sprogressthroughfrequentbloodtests.If necessary,thechildmayreceivespecialdrugstohelpridhisbodyofexcesslead.Withthistreatment, drugsaregivendailyforaslongasseveralweeks.Sometimesthismustbedonemorethanonce.Achild whohasbeenleadpoisonedwillneedalotofbloodtestsforayearormore.Heorsheshouldbetested forlearningproblemsbeforestartingschool.

Arechildrenundersixyearsoldtheonlyonesatriskofleadpoisoning?

No.Youngchildrenareusuallymoreeasilyandseriouslypoisonedthanolderchildrenoradults, butleadisharmfultoeveryone.Leadinthebodyofapregnantwomancanhurtherbabybeforebirth. Olderchildrenandadultswholiveinolderhousingwithleadpainthazardsmaybecomeexposedtolead andcouldpotentiallydevelopleadpoisoningthroughhomerenovation.Mostleadpoisoninginadultsis causedbywork-relatedexposureorhomerenovation.Evenhobbysupplies,suchasstainedglass, bulletsandfishingsinkers,canexposepeopletolead.Leadpoisoninginadultscancausehighblood pressure,problemshavingchildrenforbothmenandwomen,digestiveproblems,nervedisorders, memorylossandproblemsconcentrating,andmuscleandjointpain.Adultswhohaveanyofthese symptomsandwhohavebeenexposedtoleadshouldconsiderbeingscreenedforlead.Thosewhoare regularlyexposedtoleadthroughtheirworkarerequiredbylawtohavetheirbloodtestedonceayear forlead.

Whatarethedangersofleadpaintinhomes,andwhenwasitused?

Leadpaintinhomescausesalmostallchildhoodleadpoisoning.Leadissoharmfulthatevena smallamountoffineleaddustthatcannotbeseencanpoisonachild.Leadpaintcoveredbylayersof nonleadedpaintcanstillpoisonchildren,especiallywhenitisdisturbed,suchasthroughnormalwear andtear,orhomerepairwork.Whensuchleadpaintisonmovingsurfaces,suchaswindows,finelead dustisreleasedthroughnormaluse.Thisdustsettles,whereitcanbeeasilypickeduponchildren'stoys andfingers.Householdpaintwithpoisonous(nowillegal)levelsofleadwasinuseinMassachusetts fromthe1690suntil1978.In1978,theU.S.governmentbannedleadfromhousepaint.Leadcanbe foundinalltypesofpre-1978homes:homesincities,suburbsorthecountryside;privatehousingand stateorfederalpublichousing;single-familyandmulti-familyhomes.Theolderthehouse,themore likelyitistocontainleadpaint.Theolderthepaint,thehigherthelikelyleadcontent.

Canroutinehomerepairscauseleadpoisoning?

Therecanbeadangerofleadpoisoningwheneverpaintedsurfacesinsideoroutsidethehomeare scrapedforrepainting,orwoodworkisstrippedorremoved,orwindowsorwallsareremoved.Thisis becauseleadpaintisfoundinalmostallMassachusettshomesbuiltbefore1978,andsomanyof Massachusetts'homesareold.Donotusepowersanders,propanetorchesorheatgunstoremoveleaded paint,asthesemethodscreatealotofleaddustandfumes.Temporarilymoveyourfamily(especially childrenandpregnantwomen)outofthehomewhiletheworkisbeingdoneandcleanedup,orata minimum,tapeupplasticsheetstocompletelysealofftheworkarea.Getaleadinspectiondone,sothat youwillknowwhichsurfaceshaveleadpaintandneedextracarewhenpreparingforanddoinghome repairwork,andduringcleanupafterwards.Donotdorepairsinolderhomeswithoutlearningaboutsafe waystodotheworktoreducethedangerofleaddust.Hundredsofcasesofchildhoodandadultlead poisoningresulteachyearfromdo-it-yourselfhomeprojects.

Howdoestheownerofahomebuiltbefore1978inwhichachildundersixyearsoldlivesmeetthe requirementsoftheMassachusettsLeadLaw?

Thefirststepistohavealeadinspectionorriskassessmentdone.Alicensedleadinspectorwill testthesurfacesofthehomeforleadandgivetheownerawrittenreportthatstateswherethereislead inamountsconsideredaviolationbystatelaw,andrecordanyleadhazardsthatmustbecorrected.A riskassessor,whoisaspeciallylicensedleadinspector,willdoaleadinspectionplusariskassessment, duringwhichheorshechecksthehomeforthemostseriousleadhazardsthatmustbefixedforinterim control.(Seequestionaboutinterimcontrol,below.)Onlyalicenseddeleadermaydohigh-riskwork, suchasremovingleadpaintorrepairingchippingandpeelingleadpaint.Eitheradeleader,theowneror someonewhoworksfortheowner(anagent)candocertainotherdeleadingandinterimcontroltasks. (Seenextquestion.)Anowneroragentmustgetspecialtrainingtoperformthedeleadingtasksthey maydo.Aftertheworkisdone,theleadinspectororriskassessorreturnstocheckthehome.Heorshe maytakedustsamplestotestforleadandmakessurethehomehasbeenproperlycleanedup.If everythingisfine,heorshegivestheowneraLetterofComplianceoraLetterofInterimControl.After gettingoneoftheseletters,theownermusttakereasonablecareoftheproperty,mainlybymakingsure thereisnopeelingleadpaint.

CanIdosomeofthedeleadingmyself?

InMassachusetts,theownerorsomeonewhoworksfortheowner(anagent)candocertain deleadingactivities.Theseincludecoveringsurfaceswithcertainmaterials;removingcertainbuilding parts;cappingbaseboards;installingvinylsidingontheexterior,andapplyingencapsulants. Encapsulantsarespecialliquidcoatingsmadetobelong-lastingbarriersoverleadpaint.Beforeanyof thesedeleadingtasksaredone,theownermustfirsthavealeadinspectiondoneandwhoeverisgoingto dotheworkmustgetspecialtraining.ContactCLPPPforinformationaboutthistraining.Inaddition, ownersortheiragentscanperformstructuralrepairsandleaddustcleaningforinterimcontrol.Before doingthiswork,ownersandagentsshouldgetandreadCLPPP'sinterimcontrolbooklet.

Istherefinancialhelpfordeleading?

Thereisastateincometaxcreditofupto$1,500perunitforfulldeleading.Acreditofupto $500perunitisavailableforinterimcontrolworkthatalsocontributestofulldeleading.Therearealso grantsandno-interest,deferredloans,orlow-interestloansavailabletoeligiblepropertyowners.These fundsareavailablethroughtheU.S.DepartmentofHousingandUrbanDevelopment,theMassachusetts ExecutiveOfficeofCommunitiesandDevelopment,theMassachusettsHousingFinanceAuthority, localcityandtowncommunitydevelopmentplanningdepartments,andbanks.

Doesdeleadingimprovethevalueofmyproperty?

Manyhomeownershavefoundthatthebenefitsofdeleadingarenotunlikethebenefitsofother homeimprovementprojects.Replacementwindowsanddoorscansavethehomeownermoneybecause theyaremoreenergyefficient.Havingalegallydeleadedhome,whetheritisasingle-familyormultifamily,owner-occupiedorrentalunit,canmakeiteasiertosellorrent,oftenatabetterprice.

WhatsurfacesmustbedeleadedforfullcompliancewiththeMassachusettsLeadLaw?

Ownersofhomesbuiltbefore1978wherechildrenundersixyearsofagelivemusthavethe followingleadhazardscorrectedtogetaLetterofCompliance:

*anypeeling,chippingorflakingleadpaint,plasterorputty;

*intactleadpaint,othercoatingorputtyonmoveablepartsofwindowswithsillsfivefeetor lessfromthefloororgroundandthosesurfacesthatcomeincontactwithmoveableparts;

*intactleadpaintorothercoatingon"accessiblemouthablesurfaces."Thesesurfacesgenerally includewoodwork,suchasdoors,doorjambs,stairsandstairrails,andwindowcasings.

Whatisinterimcontrol?

Interimcontrolisasetoftemporarymeasuresthatpropertyownerscantaketocorrecturgent leadhazards,especiallypeelingorchippingleadpaintandleaddust.Thesestepsprotectresidentsfrom leadpoisoninguntilthehomeisfullydeleaded.Homesingoodconditionmayneedlittleornoworkto getinterimcontrolstatus.Ownersthenhaveuptotwoyearsbeforetheyhavetofullydeleadthehome. Forthatperiod,theyareprotectedfromstrictliabilityunderthestateLeadLawshouldachildbecome leadpoisonedinthehome,aslongasthehomeismaintainedandtheconditionsforinterimcontrolare met.Inadditiontotherepairofpeelingandchippingleadpaintandthecleaningofleaddust,otherwork maybenecessaryforinterimcontrol. Thisincludesfixingwaterleaks orotherdamagethatmakes leadpaintpeelandchip;makingwindowwellssmoothandeasyto clean;makingwindowswork properlyanddeleadinganybadlychippingandpeelinglead-paintedsurfaces.

Propertyownersinterestedininterimcontrolmusthirealicensedriskassessor.Heorshewill thendecidewhatwork,ifany,needstobedonetogetaLetterofInterimControl.TheoriginalLetterof InterimControlisgoodforoneyear.Thepropertyownercanhavethehomereinspectedbeforetheend ofthatyear,andifallconditionsaremet,thehomecanberecertifiedforanotheryear.Bytheendofthe secondyear,thehomemustbedeleaded,ifachildundersixstilllivesthere,fortheownertoremain freeofstrictliability.

Doesmyfamilyhavetobeoutofthehouseduringdeleadingorinterimcontrolwork?

Residentsmustbeoutofthehousefortheentiretimethatadeleaderisdoingdeleadingwork insideahome,andforsomeofthedeleadingworkbyownersandtheiragents.Residentsmaystayat home,butoutoftheworkarea,whileadeleader,propertyownerorowner'sagentwithoutadeleader's licensedoescertainotherdeleadingtasks,orsuchinterimcontrolworkasstructuralrepairsorleaddust cleaning.Residentswhohavebeenoutofthehousemaynotreturnuntilthedeleadingworkthatmadeit necessaryforthemtoleaveiscomplete,thehomeiscleanedup,andaleadinspectororriskassessorhas checkedandfoundthisworkhasbeenproperlydoneanddustsampleshavepassed.Forcomplete details,contactCLPPP.

ArethereanyexemptionstotheMassachusettsLeadLaw?

TheLeadLawappliesonlytohomesbuiltbefore1978inwhichachildundersixlives.Any homeorapartmenthavingfewerthan250squarefeetoflivingspace,orwhichisinaroominghouse,is exempt,aslongasnochildunderagesixislivingthere.Finally,homesrentedfor31daysorlessfor vacationorrecreationalpurposesarealsoexempt,aslongasthereisnochippingorpeelingleadpaintin thehomeandtherenterhasreceivedtheShort-TermVacationRentalNotification.

WhataretherequirementsofthestateLeadLawifthereisaleasewithanoptiontobuy?

Whenthereisaleasewithanoptiontobuyahomebuiltbefore1978ineffect,theownerofthe propertymusthaveitdeleadedorbroughtunderinterimcontrolifachildundersixlivesthere.Ifthe tenantwithanoptiontobuysuchahomeproceedstopurchaseit,heorshebecomesresponsiblefor meetingtherequirementsoftheLeadLawifachildundersixlivesthereafterthepurchase.

HowcanIfindoutabouthowleadinspections,riskassessmentsanddeleadingshouldbedone?

Allleadinspections,riskassessmentsanddeleadingmustbedoneaccordingtotheRegulations forLeadPoisoningPreventionandControl,105CodeofMassachusettsRegulations460.000andthe DeleadingRegulations,454CMR22.00.Forfullinformation,homeownersmaygettheseregulationsat theStateHouseBookStore,StateHouse,Boston,MA02133.Thephonenumberis(617)727-2834.

LeadinspectorsandriskassessorslicensedbytheDepartmentofPublicHealthhavebeen trainedandareexperiencedinusingthestate-approvedmethodsfortestingforleadpaint.These methodsarethefollowing:useofasolutionofsodiumsulfide,aportablex-rayfluorescencemachineor labtestsofpaintsamplesremovedfromthehome.DeleaderslicensedbytheDepartmentofLaborand WorkforceDevelopmenthavebeentrainedtousesafemethodstoprepareforanddodeleadingwork, andcleanupafterwards.Theymaydeleadusinganyofthefollowingmethods:removingpaint, removingbuildingparts,coveringandencapsulating.Whenremovingpaint,theycannotusecertain verydangerousmethods,suchasopenflameburning,dryabrasiveblastingorpowersandingwithouta specialvacuumattachment.

CanIavoidstateLeadLawrequirementsbynotrentingtoafamilywithchildrenundersix?

TheMassachusettsLeadLawmakesitillegaltorefusetorenttofamilieswithchildrenunder six,orevictingorrefusingtorenewtheleaseoffamilieswithchildrenundersix,becauseofleadpaint. DiscriminationagainstfamilieswithyoungchildrenisalsoaviolationoftheU.S.FairHousingActand theMassachusettsanti-discriminationstatute.Parentscannotwaivetherightsoftheirchildrentolivein lead-safehousingoragreetoassumetorisksofleadexposure.Ownerswhoviolatetheselawsface heavypenalties.TheMassachusettsCommissionAgainstDiscriminationinvestigatesandprosecutes casesofdiscriminationagainstfamilieswithchildrenbecauseofleadpaint.

Itisalsoillegalforlenderstodenyfinancingbecauseahomehasleadpaint,orbecause financingcouldtriggerfuturedutiesundertheLeadLaw.Thisdoesnotrestricttherightofalenderto processordenyamortgageapplicationinaccordancewithacceptedunderwritingpracticesandcriteria.

IfIamconsideringbuyingapre-1978housetorentout,andachildundersixlivesinoneofthe apartments,shouldIhaveatleastthatunitandcommonareasinspectedforleadnow?

Yes.Iftherearechildrenundersixlivinginsuchanapartmentandtheapartmentdoesnothavea LetterofComplianceorLetterofInterimControl,buyersshouldfindoutwhetherornottheapartment hasleadhazardsandwillhavetobebroughtintocompliancewiththestateLeadLaw.Thisinformation willbeimportantindecidingwhethertobuythepropertyandatwhatprice.Asnotedabove,new ownershave90daysfromthedateoftakingtitletohavesuchanapartmentdeleadedorbroughtunder interimcontrol.Therefore,theyshouldarrangedeleadingorinterimcontrolworktobeginassoonas possibleaftertakingtitle,tobesuretheworkisdonewithin90days.

CanalandlorddelayatenancytobringahomeintocompliancewiththestateLeadLaw?

Alandlordwhowillbedeleadingahomeorbringingitunderinterimcontrolmaydelaythestart ofthetenancyupto30days.Thiscanbedoneaslongasaleasebetweenthelandlordandthenew tenantdoesnotexist.Duringthisdelayperiod,thenewtenantsareresponsiblefortheirlivingexpenses. Ifthereisasignedlease,however,thelandlordisresponsiblefortemporaryhousingduringrelocation necessaryfordeleadingwork.

Mustalandlordarrangetemporaryhousingforatenantwhilearentalhomeisbeingdeleaded?

UnderthestateLeadLaw,tenantshavetoberelocatedforthetimethatcertaindeleadingworkis takingplaceinsidethehome.Theymaynotreturnuntilthatworkisdone,thehomeiscleanedup,anda licensedleadinspectororriskassessorchecksandfindsitisfineforresidentstomovebackin.

Thelandlordandtenantareresponsibleforworkingoutanacceptableplanforalternative housingifitisnecessary.Thelandlordmaymovethetenanttoanotherplacetolive,whichmaybe anotherhouse,apartment,motelorhotel.Thelandlordisresponsibleforpayingthetenant'sreasonable movingcostsandanytemporaryhousingcostsoverandabovetherentofthehomebeingdeleaded. Duringthetimethehomeisbeingdeleaded,thetenantremainsresponsibleforpayingthenormalrent theywouldpayforthisperiodastheirshareofthecostoftemporaryhousing.TheLeadLawstatesthe temporaryhousingmustnotcauseundueeconomicorpersonalhardshiptothetenant.

Whatistenantnotification?

Thegoalofthefederalandstaterequirementsfortenantnotificationistohelpreducelead poisoningbygivingalltenantsofhomesbuiltbefore1978informationaboutleadintheirhome.The programalsoeducatestenantsandlandlordsaboutthedangersofleadpoisoning,itsprevention,andthe MassachusettsLeadLaw.Tenantnotificationappliestoalltenants,whetherornottheyhaveachild undersixlivingwiththem.

Beforerentingahome,landlords,managingagentsoranyrealestateagentinvolvedintherental mustgivenewtenantscopiesofanyexistingleadformsforthehome.Theseincludeleadinspection reports,riskassessmentreports,aLetterofCompliance(nomatterhowold)oraLetterofInterim Control.Ifthelandlordoragentdoesnothaveanyoralloftheseformsforthehome,heorshesimply doesnotgivethem.Inaddition,thelandlordoragentmustgivenewtenantstheTenantLeadLaw Notification.Thisformaddressesleadpoisoning,specificpreventiontipsforparents,therequirements oftheLeadLawandanexplanationoftheleadforms.AttachedtotheTenantLeadLawNotificationis theTenantCertificationform.Thisistobefilledoutandsignedbyboththetenantandthelandlordor agent.Eachpartygetsacopytokeep. Theseformshavebeenapprovedtosatisfybothstateand federalleadnotificationrequirements. LandlordsoragentsmaychoosetoincludetheTenantLead LawNotification/TenantCertificationforminawrittenlease,insteadofusingaseparateform.

Landlordsandagentswhofailtocarryouttheirtenantnotificationobligationsareliableforall damagescausedbytheirfailuretodoso,andaresubjecttoafineofupto$1,000.

INSURANCEINFORMATION

HowcananownerofrentalhousinginMassachusettsbuiltbefore1978getinsurancetocover potentialleadliability?

Theanswerdependsonthenumberofunitsthatthepropertyownerwishestoinsure,and whetherthepropertyownerlivesinthebuildingforwhichinsuranceissought.Anowner-occupantwho insuresfourorfewerunitsmaybecoveredbyhomeownersinsurance.Generally,thepropertyowner whoisnotanowner-occupantwillneedtogetcommercialliabilityinsurance,aswillanowner-occupant whowishestoinsuremorethanfourunits.

Homeownersinsurancemaybeavailablefromseveraldifferentsources:theregular,"admitted" market,theFAIRPlanorthe"surpluslines"market.Theregular,"admitted"marketistheusualmarketfor insurance.TheFAIRPlanoffershomeownersinsurancetopropertyownersunabletofindcoverageinthe regularmarket.The"surpluslines"marketisalessregulated,andgenerallymoreexpensivemarket.It providesinsurancetothosewhocannotfindcoverageelsewhere.

UnderstateDivisionofInsuranceregulations,ifaninsurerintheregularmarketdecidesto writehomeownersinsuranceonrentalhousingforwhichaLetterofComplianceorLetterofInterim Controlisineffect,theinsurermustprovidecoverageofleadpaintliabilityarisingfromthose premises. NeitherthestateLeadLawnortheinsuranceregulationsrequirearegularmarket insurertowriteliabilityinsurance,includinghomeownersinsurance,onaparticular property.IfaLetterofComplianceorLetterofInterimControlisineffectforonlypartofa property,thecoverageforleadliabilitywillextendtoonlythatpartoftheproperty.Such insurancewillalsoapplytoanycommonareascoveredbytheLetterofComplianceorLetterof InterimControl. Itwillnot,however,extendtoinjuriesresultingfromgrossorwillfulnegligence.The FAIRPlan'scoverageofleadliabilityissubjecttothesameregulationsthatapplytotheregularmarket.

Aninsurerintheregularmarket,ortheFAIRPlan,mayaskthepropertyownertoprovethat thereisaLetterofComplianceoraLetterofInterimControlforthehomesoughttobeinsured.Once theproofisprovided,coverageforleadliabilitywillapplyasofthedateoftheLetter.IftheFairPlan determinesthatagivenpropertyiseligibleforinsurance,orifaregularmarketinsurerelectstoinsure certainpremises,eithermayexcludeleadliabilitycoverageonanypartofthepropertyitensuresto whichnoLetterofComplianceorLetterofInterimControlapplies.IfeithertheFairPlanoraregular marketinsurerusessuchanexclusion,itmustoffertheownerofthepremisesthechancetobuyback theexcludedcoverage.Thereisanadditionalchargefortheleadliability"buyback"coverage.The amountofthischargeisregulatedbytheDivisionofInsurance.

Inthesurpluslinesmarket,thereisnorequirementtocoverleadliabilityarisingfrompremises towhichaLetterofComplianceorLetterofInterimControlapplies.Surpluslinesinsurersgenerally excludecoverageofleadliability,donotofferthebuybackcoverage,andchargehigherpricesthanthe regularmarket.

SincetheFAIRPlandoesnotprovidecommercialliabilityinsurance,propertyownerswhoneed togetsuchcoverage(asopposedtohomeownersinsurance)mustgetitfromeithertheregularmarketor thesurpluslinesmarket.Commercialliabilityinsurancefromthesurpluslinesmarket,likehomeowners insurancefromthatmarket,usuallywillexcludecoverageofleadliability,willnotincludethebuyback option,andwillcostmorethanregularmarketcoverage.

Whilearegularmarketinsurercandeclinetowritecommercialliabilityinsuranceonagiven property,oncesuchaninsurerdecidestowritesuchcoverage,itmusttheninsureleadliabilityarising fromanypartofthepropertycoveredbyaLetterofComplianceorLetterofInterimControl.Ifsuchan insurerchoosestoinsureaproperty,itmayexcludecoverageofleadliabilityonanypartofthepremises forwhichnoLetterofComplianceorLetterofInterimControlisineffect.Ifsuchinsurerappliessuch anexclusion,itmustofferthepropertyownertheopportunitytobuybacktheexcludedcoverage.The leadliabilityinsuranceregulationsdescribedaboveasapplicabletoregularmarkethomeowners insurancealsoapplytocommercialliabilityinsurancefromtheregularmarket.

Ownersofrentalhousingshouldtrytogetcoverageforleadliability,whethertheyhavemetthe requirementsoftheLeadLawornot,byseekingregularmarketcoveragethroughinsuranceagents,or bycontactingdirectwritingcompaniesthatarelistedinthetelephonedirectory,beforeresortingeither totheFAIRPlanorthesurpluslinesmarket.

IfIownandoccupyasingle-familyhouse,doesmyhomeownersinsurancecoverleadliability?

Underthestateleadliabilityinsuranceregulations,coverageofleadliabilitycannotbeexcluded fromregularmarketandFAIRPlanhomeownersinsurancepoliciesonsingle-familyowner-occupied homes.Instead,leadliabilitycoverageisincludedinsuchpolicies.However,afamilymembercovered byahomeownerspolicycannotmakealeadliabilityclaimagainstanotherfamilymembercoveredby thesamepolicy.Therequirementsoftheleadliabilityinsuranceregulationsdonotapplyto homeownerscoveragefromthesurpluslinesmarket.

Howarenewownersaffectedbytheleadliabilityinsuranceregulations?

Ifabuyerofrentalhousingbuiltbefore1978meetsthestateLeadLaw'srequirementsandgetsa LetterofComplianceorLetterofInterimControlwithin90daysafterbecomingtheowner,then,under certainconditions,theywillbeabletogetcoverageforleadliabilityfortheperiodtheyownedthe propertybeforetheydeleadedorbroughtitunderinterimcontrol.Thiswillhappenifaregularmarket insurerchoosestoprovideliabilitycoverageontheproperty.Suchaninsurerisrequiredtoprovide leadliabilitycoveragetoanewownerwhoobtainsaLetterofComplianceorLetterofInterim Controlwithin90daysafterbecomingtheowneroftheproperty.Suchcoveragewillgobacktothetime thatthenewownertooktitletotheproperty,unlesstheliabilityinsurancewentintoeffectsometime

afterthetakingoftitle.Inthelattercase,thecoverageofleadliabilitywillextendbacktothetimethat theliabilityinsuranceheldbythenewownerfirstwentintoeffectonthepremises.Therulefornew ownerleadliabilityinsurancecoveragefortheFAIRPlanisthesameasfortheregularmarket.These specialrulesforleadliabilityinsurancefornewownersdonotapplytoinsurancefromthesurpluslines market.

Whathappensnext?

That'suptoyou.Atthispoint,youshouldbewellinformedaboutleadpoisoning,theeffectsof leadhazardsinthehome,andyourresponsibilitiesundertheMassachusettsLeadLaw.Inthepast,the DepartmentofPublicHealthhashadtodevoteitschildhoodleadpoisoningresourcestoprovide servicestothethousandsofMassachusettschildrenwhowerepoisoned,aswellastoprovidingservices tochildrenwhosebloodleadlevelsareelevated,topreventthemfrombecomingleadpoisoned. BetweentheDepartment'sworkandthepreventivedeleadingcarriedoutbypropertyowners,wehave beensuccessfulatreducingthenumberofleadpoisoningsamongyoungchildreninMassachusetts.All ofusattheDepartmentarehopefulthatwewillcontinuethatpartnership,inwhichthecorrectionof leadhazardsinthehomesofyoungchildren before thosechildrenareleadpoisonedissoimportant.

WherecanIgetmoreinformationonleadpoisoning?

MassachusettsDepartmentofPublicHealth

U.S.EnvironmentalProtectionAgency ChildhoodLeadPoisoningPreventionProgram(CLPPP)Region1(NewEngland) (Formorecopiesofthisform,andfullrangeof (Informationaboutfederallawsonlead) informationonowners'andtenants'rightsand http://www.epa.gov/region1 responsibilitiesunderthestateLeadLaw,financialhelp(617)-918-1524 forowners,saferenovationwork,andsoiltesting) www.mass.gov/dph/clppp (781)-774-6611,1-800-532-9571

NationalLeadInformationCenter (leadpoisoninginformationorleadin consumerproducts) www.epa.gov/leador1-800-424-LEAD

MassachusettsDepartmentofLabor/ DivisionofOccupationalSafety (Listoflicenseddeleaders)

U.S.ConsumerProductSafety www.mass.gov/dos Commission(Infoaboutleadin (617)-626-6962 consumerproducts) www.cpsc.govor1-800-638-2772

MassachusettsHousingFinanceAgency (GettheLeadOutloanprograminformation) www.masshousing.com (617)-854-1000

PROPERTYTRANSFERNOTIFICATIONCERTIFICATION

Thisformistobesignedbytheprospectivepurchaserbeforesigningapurchaseandsaleagreementora memorandumofagreement,orbythelessee-prospectivepurchaserbeforesigningaleasewithanoption topurchaseforresidentialpropertybuiltbefore1978,forcompliancewithfederalandMassachusetts lead-basedpaintdisclosurerequirements.

RequiredFederalLeadWarningStatement:

Everypurchaserofanyinterestinresidentialpropertyonwhicharesidentialdwellingwasbuiltpriorto1978isnotifiedthat suchpropertymaypresentexposuretoleadfromlead-basedpaintthatmayplaceyoungchildrenatriskofdevelopinglead poisoning.Leadpoisoninginyoungchildrenmayproducepermanentneurologicaldamage,includinglearningdisabilities, reducedintelligencequotient,behavioralproblemsandimpairedmemory.Leadpoisoningalsoposesaparticularriskto pregnantwomen.Thesellerofanyinterestinresidentialrealpropertyisrequiredtoprovidethebuyerwithanyinformation onlead-basedpainthazardsfromriskassessmentsorinspectionsintheseller'spossessionandnotifythebuyerofanyknown lead-basedpainthazards.Ariskassessmentorinspectionforpossiblelead-basedpainthazardsisrecommendedpriorto purchase.

Seller'sDisclosure

(a)Presenceoflead-basedpaintand/orlead-basedpainthazards(check(i)or(ii)below):

(i)Knownlead-basedpaintand/orlead-basedpainthazardsarepresentinthehousing(explain).

(ii)Sellerhasnoknowledgeoflead-basedpaintand/orlead-basedpainthazardsinthehousing.

(b)Recordsandreportsavailabletotheseller(check(i)or(ii)below):

(i) Sellerhasprovidedthepurchaserwithallavailablerecordsandreportspertainingtolead-basedpaint and/orlead-basedpainthazardsinthehousing(checkdocumentsbelow).

LeadInspectionReport; RiskAssessmentReport; LetterofInterimControl; LetterofCompliance

(ii)Sellerhasnoreportsorrecordspertainingtolead-basedpaintand/orlead-basedpainthazardsinthe housing.

Purchaser'sorLesseePurchaser'sAcknowledgment(initial)

(c) Purchaser or lessee purchaser has received copies of all documents checked above.

(d) Purchaser or lessee purchaser has received no documents.

(e) Purchaser or lessee purchaser has received the Property Transfer Lead Paint Notification.

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

Agent'sAcknowledgment (initial)

(g)Agenthasinformedtheselleroftheseller'sobligationsunderfederalandstatelawforlead-based paintdisclosureandnotification,andisawareofhis/herresponsibilitytoensurecompliance.

(h)Agenthasverballyinformedpurchaserorlessee-purchaserofthepossiblepresenceofdangerous levelsofleadinpaint,plaster,puttyorotherstructuralmaterialsandhisorherobligationtobringapropertyinto compliancewiththeMassachusettsLeadLaw--eitherthroughfulldeleadingorinterimcontrol--ifitwasbuilt before1978andachildundersixyearsoldresidesorwillresideintheproperty.

CertificationofAccuracy

Thefollowingpartieshavereviewedtheinformationaboveandcertify,tothebestoftheirknowledge,thatthe informationtheyhaveprovidedistrueandaccurate.

Seller Date Seller Date

Purchaser

Commonwealth of Massachusetts

BOARD OF REGISTRATION OF REAL ESTATE BROKERS AND SALESPERSONS http://www.mass.gov/ocabr/licensee/dpl-boards/re/ MASSACHUSETTS MANDATORY LICENSEE-CONSUMER RELATIONSHIP DISCLOSURE THIS IS NOT A CONTRACT

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

THETIME WHENTHELICENSEE MUSTPROVIDETHISNOTICETOTHE 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 and 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 checked above, the licensee must complete the following section:

Check one: Non- Designated Agency

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

 Designated Agency

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:

Signature of Licensee

Name Real Estate Brokerage Firm

Signature of consumer

Signature of consumer

 Broker  Salesperson

Printed name of Licensee License # Today’s Date

Brokerage Firm License #

 Buyer  Seller

Printed name of consumer Today’s Date

 Buyer  Seller

Printed name of consumer Today’s Date

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, confidentialityand accounting. The agent must put the buyer's interests first and attempt to negotiate price and terms acceptable totheir buyer client. The buyer mayalso authorize sub-agents to representhim/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 affiliated, 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, confidentialityand 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.

MASSACHUSETTS MANDATORY RESIDENTIAL HOME INSPECTION DISCLOSURE

Pursuant to Massachusetts regulation 760 CMR 74.00 Residential Home Inspection Waivers, this form must be signed by the buyer and seller prior to signing the first written contract to purchase a Residential Property in Massachusetts (unless one of the exceptions under 760 CMR 74.00 applies) Residential Property and Home Inspection shall be defined pursuant to 760 CMR 74.02.

Limitations on Home Inspection Waivers:

Every seller of Residential Property is notified that M.G.L. c. 143, § 101 and 760 CMR 74.00 prohibit a seller from accepting an agreement to purchase contingent upon waiver, limitation, or restriction of buyer’s choice to obtain a Home Inspection, in whole or in part (unless one of the exceptions under 760 CMR 74.00 applies). A buyer of a Residential Property may choose to have the premises inspected by a licensed home inspector of the buyer’s choice. If the buyer chooses to have a Home Inspection, the buyer shall have a reasonable period of time after the full execution of the first written contract, as agreed to by the seller and the buyer, to decide whether to proceed with the transaction if the results of the inspection are not satisfactory to the buyer.

Seller's Disclosure

Pursuant to 760 CMR 74.00, Seller warrants and represents that the agreement to purchase is not, and in no event shall be, contingent upon waiver, limitation, or restriction of Buyer’s choice to obtain a Home Inspection, in whole or in part (unless one of the exceptions under 760 CMR 74.00 applies). Seller agrees and acknowledges that Buyer may choose to have the premises inspected by a licensed home inspector of the Buyer’s choice. The Seller further agrees, warrants, and represents that, if the Buyer chooses to have a Home Inspection, the Buyer shall have a reasonable period of time after the full execution of the first written contract as agreed to by the Seller and the Buyer, to decide whether to proceed with the transaction if the results of the inspection are not satisfactory to the Buyer.

Buyer's Acknowledgment

Each buyer hereby acknowledges that they may choose to have the premises inspected by a licensed home inspector of the buyer’s choice and acknowledges that this disclosure has been provided to the buyer herein

Agent's Acknowledgment

Seller’s agent hereby acknowledges that each seller has been informed of the seller’s obligations under 760 CMR 74.00 and further acknowledges that this disclosure has been provided to each seller and buyer herein.

Certification of Accuracy

The following parties have reviewed the information above and certify that the information they have provided is true and accurate.

Property Address:

Signature

Signature of Seller

Signature of Buyer

Signature of Buyer

Signature of Seller’s Agent

60 CMR 74.00: Residential Home Inspection Waivers 74.04 Exemptions

(1) The limitations under 760 CMR 74.03 shall not apply if the Prospective Purchaser is any of the following:

(a) A Relative of the Seller; or

(b) The former spouse of the Seller and the sale of the Residential Property is being made pursuant to a judgment or order under M.G.L. c. 208; or

(2) The limitations under 760 CMR 74.03 shall not apply to any of the following sales or Transfers of Ownership:

(a) A sale or Transfer of Ownership where the offer to purchase or a Purchase and Sale Agreement, whichever occurs first, was executed on or before October 15, 2025;

(b) A sale or Transfer of Ownership involving the foreclosure of a mortgage;

(c) A sale or Transfer of Ownership involving a deed-in-lieu of foreclosure;

(d) Deeds reconveying a property in order to release a debt, lien or other security obligation; or

(e) Where the Seller transfers the Residential Property to a Relative for estate planning purposes, including but not limited to, through a revocable or irrevocable trust, where at least one of the designated beneficiaries is a Relative of the Seller.

(f) A sale or Transfer of Ownership of a Newly Constructed Residential Property where the first written contract to purchase is executed prior to the Substantial Completion of construction and the Seller offers the Prospective Purchaser an express written warranty for a term of at least one year that construction will be completed in a good and workmanlike manner in accordance with all applicable building laws and regulations and that the components of the Residential Property will function properly, including, at a minimum, heating, cooling, plumbing and electrical systems, structural components, foundation, roof, masonry structure, exterior and interior components and any other related residential housing components.

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: _______