The document provides information from a new member orientation for the St. Charles County Association of REALTORS®. It introduces the association's mission to support members' business success and ethics. It outlines the association's leadership and staff who provide services like education, professional standards, and government advocacy to help members succeed. The orientation also reviews member services, forms, education opportunities, and ways for members to get involved through committees and networking events.

1. ST. CHARLES COUNTY ASSOCIATION OF REALTORS® NEW MEMBER ORIENTATION

2. OUR MISSION As the local voice for real estate, the St. Charles County Association of REALTORS® provides members with programs, products and services to conduct business successfully and ethically. Through legislative advocacy and public awareness, we promote private property rights, equal housing opportunity and the American Dream of real property ownership.

3. YOUR ASSOCIATION EXISTS TO HELP YOU SUCCEED!!

4. YOUR ASSOCIATION LEADERSHIP President Elect: Cort Schneider President: Carol Alexander Immediate Past President: Joe Sahrmann Treasurer: Janice Nolan

6. Professional Standards Administrator

7. Liaison to the Commercial Division

8. Manages the day-to-day Association operations

11. Liaison to Diversity Awareness CommitteeJen Moore Government Affairs Director

13. Front Desk Administrator

14. Supra Liaison

15. Coordinates Association events

16. Liaison to Affiliate Forum

17. Liaison to Public Relations ForumKathy Ambro Membership Director

19. Liaison to Finance Committee

21. Official Association photographerJackie Ladd Director of Finance

23. EDUCATION

24. PROFESSIONAL STANDARDS

25. GOVERNMENT AFFAIRS

26. REALTOR® STORE

27. NETWORKING OPPORTUNITIES

29. MEMBER SERVICES

30. YOUR ASSOCIATION COOPERATES WITH OTHER REALTOR® ASSOCIATIONS TO PROVIDE MULTIPLE LISTING SERVICES MARIS PROVIDES YOU INFORMATION ON REAL ESTATE REGION WIDE AND MULTIPLE TOOLS TO HELP YOU SERVE YOUR CLIENTS AND CUSTOMERS TAKE THE TRAINING CLASSES AND LEARN HOW MARIS CAN HELP YOU SUCCEED!! http://www.marisnet.com

31. STANDARD CONTRACTS & FORMS YOUR ASSOCIATION COOPERATES WITH OTHER REALTOR® ASSOCIATIONS TO PROVIDE STANDARD CONTRACTS AND FORMS FOR YOUR USE OUR FORMS ARE UPDATED REGULARLY TO INSURE COMPLIANCE WITH ALL RULES AND REGULATIONS PAPER FORMS ARE AVAILABLE FOR PURCHASE FREE FORMS AVAILABLE ON-LINE WWW.StCharlesREALTORS.com

32. WHAT TYPES OF FORMS CAN YOU USE? WHO CAN WRITE CONTRACTS? WHAT DOES HULSE VS. CRIGER SAY YOU CAN DO? WHAT DOES “FILL IN THE BLANKS” MEAN?

33. Do you know the Contract? Have you read the contract? I have!

34. Don’t Practice the Law No Free Advice!!! We enforce our copyright!!

35. Your Association partners with other REALTOR® Associations To provide lock box services Which provides you access to listed Property all over the region. Direct access from your smart phone or carry the Active key Plus, you can track showing activity and more through the Supra System

37. SCCAR UNIVERSITY

38. PROFESSIONAL DEVELOPMENT SEMINARS

41. YOUR ASSOCIATION ENFORCES THE CODE

42. SESSION B WILL GIVE YOU AN OVERVIEW OF THE CODE AND YOUR RESPONSIBILITIES

44. THE AMERICAN DREAM OF HOMEOWNERSHIP

45. PRIVATE PROPERTY RIGHTS

49. St. Charles County Association of REALTORS® Store

51. REAL ESTATE EXPO

52. RPAC EVENTS

53. ANNUAL INSTALLATION

54. REALTOR® Picnic

55. SCCAR University

56. Community Forums

58. To get the latest Association and industry news

59. To get membership information

63. REALTOR® family happenings

64. Event and education updates

65. Industry and Association announcements

66. Special offers

67. Bills and InvoicesBe sure to notify the Association If you are not receiving e-communications or change your e-mail address

68. FOLLOW YOUR ASSOCIATION ON-LINE FACEBOOK: http://Facebook.com/stcharlesrealtors TWITTER: http://Twitter.com/SCCAR FLICKR http://Flickr.com/photos/stcharlesrealtors YOUTUBE http://www.youtube.com/user/stcharlesrealtors

69. YOUR ASSOCIATION NEEDS YOU ASSOCIATION COMMITTEES AND FORUMS INFLUENCE ASSOCIATION PLANS, PROGRAMS AND POLICIES GET INVOLVED HELP PLAN OUR FUTURE

70. ASSOCIATION FORUMS Association Forums are open to all members to Participate as their schedules permit GOVERNMENT AFFAIRS FORUM Monitors legislative and regulatory activities at the local, state and national levels. Promotes member involvement and RPAC investment. Advocates for policies and laws friendly to private property rights PUBLIC RELATIONS FORUM Promotes the Association programs and activities to members Plans Association events ‘Promotes homeownership and REALTORS® to the public

71. ASSOCIATION COMMITTEES PROFESSIONAL DEVELOPMENT Plans and coordinates all professional development and education offerings DIVERSITY AWARENESS Works to promote Diversity Awareness and educate members and the general public about programs and services to increase homeownership. ADDITIONAL ASSOCIATION COMMITTEES: These committees are limited in size and require appointment by the President. Membership requires levels of industry experience and advanced training. Bylaws and Policies Finance Grievance Professional Standards

73. Commercial Division members receive many services including:

74. Monthly networking events

75. Commercial agent directory

76. Commercial education events

77. Commercial marketing opportunities President TOM PALITZSCH

78. Affiliate Forum Who Are they? What is their role? 2011 Affiliate Chair Charlie Holloway Why should I support our Affiliates?

79. AFFILIATES SUPPORT OUR ASSOCIATION SPONSOR ASSOCIATION EVENTS AND PROGRAMSINCLUDING: REALTOR® PICNIC STES. JOACHIM AND ANNE FOOD DRIVE SCCAR UNIVERSITY OTHER PROGRAMS AND ACTIVITIES

80. THANK YOU TO OUR COPORATE PARTNERS

81. THANK YOU TO OUR VALUE PLUS PARTNERS OUR PLATINUM PARTNERS AMERICAN LAND TITLE CONTINENTAL TITLE CORNERSTONE MORTGAGE FAIRWINDS RIVER’S EDGE OLD REPUBLIC TITLE PARAMOUNT MORTGAGE SUBURBAN JOURNALS USA MORTGAGE US TITLE

82. THANK YOU TO OUR VALUE PLUS PARTNERS OUR SILVER PARTNERS ALLSTATE INSURANCE CARDINAL SUVEYING AND MAPPING RON ENTWISTLE F & M BANK FIRST NATIONAL BANK HOUSEMASTER GUARANTEED HOME INSPECTIONS INVESTORS TITLE OLD REPUBLIC HOME WARRANTY WIN-HOME INSPECTIONS WOMEN’S COUNCIL OF REALTORS®

83. Hosts Monthly Networking and Educational Luncheons 'We are a community of real estate professionals creating business opportunities, developing skills for the future, and achieving our individual potential for success.' www.wcrstcharlesco.org wcrstcharlesco@gmail.com

84. MISSOURI ASSOCIATION OF REALTORS® LARGEST TRADE ASSOCIATION IN MISSOURI OFFICES IN COLUMBIA MISSOURI

86. Educational opportunities

87. Standard forms

89. NATIONAL ASSOCIATION OF REALTORS® LARGEST TRADE ASSOCIATION IN THE NATION OFFICES IN CHICAGO , IL and WASHINGTON D.C.

91. National Public Awareness Campaign

92. REALTOR® Benefits

93. Educational standards and opportunities

95. Member benefits and discounts

96. Education information

97. Hand-outs and information for your customers

99. Competitive rates on investment and loan products

100. Personal and business checking and savings

101. 24 hour, 7 day a week access to your accounts

102. A virtual credit union—access thru the internet

103. They understand how you do businesshttps://www.realtorsfcu.org

104. FAIR HOUSING REALTORS® ARE THE KEEPERS OF THE AMERCAN DREAM FAIR HOUSING IS A VITAL PART OF THAT DREAM!! REALTORS® are committed to promoting and protecting equal opportunity in housing! FAILURE TO FOLLOW THE LAW WILL NOT BE TOLERATED!! It’s the right thing to do!!

105. Enforcement Violations of Federal Fair Housing laws are investigated by HUD and/or the U.S. Attorney General. Penalties can range from $11,000 to $100,000, and are imposed by the Federal Courts.

107. Fair Housing Act of 1968 (Title VIII)

108. Housing and Community Development Act of 1974

109. Fair Housing Amendments Act of 1988

110. Equal Credit Opportunity Act of 1974 (Pertains to lending)The acts of 1968, 1974, and 1988 together are known as the Federal Fair Housing Law.

111. Federal Law Protected Classes Race Color Religion National Origin Sex Handicapped Status (added in 1988) Familial Status (added in 1988)

113. Housing operated by organizations and private clubs that limit occupancy to members

114. Senior housingHowever, NO EXCEPTION is permitted to discriminate based on RACE or COLOR)

116. Prohibited Practices Steering – the directing of home buyers to or away from particular neighborhoods. Don’t make assumptions! Let the buyer tell you where they want to live.

119. Ancestry (ethnic background)

120. City of St. Louis -

121. Sexual Orientation

122. Source of Income

123. Marital Status

125. Fair Housing Quiz 3. A prospective buyer comes to your office and says he wants to only look homes in St. REALTOR Parish. You do the following: A. Show him houses all over St. Louis because you don’t want to be accused of steering. B. Find out which homes are in St. REALTOR Parish and show only homes in that area. C. Tell your customer he should look at all areas of St. Louis before deciding where to live.

126. Fair Housing Quiz 4. Your Broker told you it was a good idea to pre-qualify customers before you show them property, so you decide to do the following: A. Pre-qualify only those customers who look like they can’t afford the house. B. Don’t pre-qualify anyone who drives to the office in a BMW. C. Pre-qualify only those who are of different race than you. D. Pre-qualify all potential customers before you show them property.

127. Fair Housing Quiz 5. Circle the parts of the following ads that possibly violate Fair Housing laws: Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today! Beautiful 3-bedroom home in traditional neighborhood just doors from St. Raymond’s Church and School. Call today! Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only. Great 2-bedroom apartment in Singles Complex, Swimming pool, club house and lots of other amenities. Adults only. Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See! Fabulous executive home in an exclusive West County neighborhood. 3-bedroom, 3 baths, swimming pool, hot tub. Must See!

128. Fair Housing Quiz-True or False 1. Refusing to show a Jewish person property in a predominately Catholic area or trying to steer this person to a predominately Jewish area would be a violation of Federal Fair Housing. TRUE 2. You show a Vietnamese couple a South St. Louis house, which is listed for sale. The neighbor asks you about your customers and states that he has a lot of emotion left over from the “war” and he doesn’t want them as neighbors. You say your customers are ready to buy the house and say he knows what “that” means, and you would be happy to sell his house for him. You just violated Federal Fair Housing. TRUE

129. Fair Housing Quiz-True or False 3. It is lawful to refuse to list the home of a person with AIDS, and for that reason you should always ask people if they have AIDS or are otherwise handicapped. FALSE 4. A landlord with a “no pets” rule would have to make an exception in the case of a blind person with a guide dog. TRUE FALSE 5. A landlord who has a rule prohibiting tenants from modifying their units would be legally justified in refusing a handicapped individual’s request to relocate the wall switch to a lower position at the tenant’s cost.

130. Fair Housing Quiz-True or False 6. An agent is uncomfortable and hesitant with people who are of a different race than the agent. As a result, the agent gives the appearance of being reluctant to serve them. This may be considered a violation of Federal Fair Housing. TRUE 7. Any discrimination against any person is always illegal. FALSE TRUE 8. A broker must have policies and procedures to insure that his/her agents comply with Federal Fair Housing laws.

131. Fair Housing Quiz-True or False 9. If an agent treats minority home seekers with politeness, the buyer will never have a basis for a legal complaint. FALSE 10. Only showing a client homes in the area where they say they want to live is steering and you are in violation of the law. FALSE

132. Fair Housing Quiz-Cont’d Place an “X” next to each of the activities that you think is “possibly” a violation of fair housing. Place an “O” next to each activity that you view as “probably” not a violation 1. Asking buyers to tell you the neighborhoods or communities in which they are interested. O X 2. Telling minority buyers that they might not feel safe or comfortable in a certain area. X 3. Locking your car doors when you drive into certain areas of St. Louis. X 4. Changing the terms and conditions under which a property is offered for sale, based on the race of the prospective buyer.

133. Fair Housing Quiz-Cont’d 5. Running stringent background checks on those prospective tenants who “look like” they might be “trouble”. X O 6. Finding a consistent way to present information about the property at an open house. O 7. Referring clients who ask about the safety of a neighborhood to the local police department. X 8. Pre-qualifying only those people who look like they can’t afford to buy. O 9. Keeping detailed records of what houses you show to whom and when.

134. Fair Housing Quiz-Cont’d 10. Disqualifying some properties based on your assumption of what the client is looking for in terms of area, style of house, price, etc. X X 11. Designing special qualifying forms for minorities because their needs are unique. X 12. Offering a cup of coffee or a soda to customers only when you remember to do so. O 13. Using standard qualifying forms for all clients. X 14. Telling clients you will only bring the “right kind of people” to look at their house. O 15. Never making assumptions about the house or neighborhood that your client will like.

135. Fair Housing is: The law of the land Enforced by the Federal Government The RIGHT thing to do!

136. SAFETY COMES FIRST!!

138. Know who you are dealing with

139. Gather information

140. Introduce potential clients to others

141. Travel in your own car

142. Bring a friend

143. Dress and act appropriately

145. Arrive early

146. Park on the street

147. Check out the house-find and unlock exits

148. Let the client go first

149. Have your cell phone in your hand

150. Check in with your office on a regular basis

151. Program 911 into your cell phone

153. WELCOME TO THE ST. CHARLES REALTOR® FAMILY

154. WE ARE HERE TO HELP YOU SUCCEED!!

155. THIS PRESENTAITON CAN BE REVIEWED AT: http://www.slideshare.net/StCharlesRealtors