new 2014 realtor institute offerings special 2013 highlights issue · 2017. 6. 22. · buyer agency...

Winter 2014

Convention & EXPO recap2014 REALTOR® Institute offerings2014 Legislative priorities

Special 2013 highlights issue

RE LEADER WINTER 2014_LAY1 1/3/14 10:40 AM

2 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014

Thank you!Legislative & Regulatory Affairs:Chair: Janice Shows, MadisonVice Chair: Andrea Cummins, Oxford

Professional Development:Chair: Brenda Estes, TupeloVice Chair: Michele Johnston, Hernando

Member Services & Technology:Chair: Jeanelle Marshall, MadisonVice Chair: Stephanie McConnell, Diamondhead

Association Operations:Chair: David Griffith, ClevelandVice Chair: Cathy Feltenstein, Meridian

Professional Standards Committee:Chair: Lee Garland, BrandonVice Chair: Michael Davis, Columbus

Standard Forms Committee:Chair: Kristyn Davis, ColumbusVice Chair: Dorothy Thompson, Jackson

Grassroots Political Involvement Committee:Chair: Norma Cother, TupeloVice Chair: Carol Stewart, Canton

MARPAC Trustees: Chair: Sue Stedman, NatchezVice Chair: Ernie Clark, Brookhaven

AE Forum:Chair: Linda Allgood, OxfordVice Chair: Betty Oltremari, Meridian

Thank you to 2013MAR Committee

Chairs and Vice Chairs for a job

well done



Real Estate LEADER is the official publicationof the Mississippi REALTORS®. The quarterlymagazine provides Mississippi real estateprofessionals with timely information ontrends and best practices, tools and resourcesfor professional development, and news aboutinnovative business and community leaders.

EditorBeth Hansen

[email protected]

Managing EditorKathy Whitfield

[email protected]

Graphic DesignerSteve Nowak

[email protected]

PhotographerGib Ford

Gil Ford Photography

REALTOR® Editorial Board

Jeanelle Marshall, Chair, Madison

Stephanie McConnell, Vice Chair, Bay St. Louis

Linda Allgood, AE Liaison, Oxford

Chris Adcock, Staff Liaison, Jackson

Barry Clemmer, Jackson

Paula Clifford, Ocean Springs

Dottie Collins, Greenville

Shirley Curry, Tupelo

Ashley Endris, Gulfport

Damion Flynn, Saucier

Greg Gillespie, Tupelo

Tony Greer, Clinton

Melissa Horst, Madison

Debbie Ivy, Clinton

Selena Lovejoy, Brandon

Michael McCreary, Corinth

Deborah McGhee, Biloxi

Melanie Mitchell, Starkville

Carla Palmer-Allen, Ridgeland

J. Mark Tucker, Laurel

Real Estate LEADER does not establish due diligence onauthors and advertisers and cannot guarantee that theirwritings or claims are correct or suitable. Views andadvertising contained in Real Estate LEADER are not nec-essarily endorsed by the Mississippi REALTORS®. Theinformation contained within should not be construed asa recommendation for any course of action regardingfinancial, legal or accounting matters by the MississippiREALTORS®, Real Estate LEADER or its authors.

Mississippi REALTORS®

PO Box 321000Jackson, MS 39232-1000

Tel: 601-932-5241Toll-free: 800-747-1103

Fax: 601-932-0382Web: www.msrealtors.org

E-mail: [email protected]

On the cover:MAR President Janice Shows givesinsight into why “It’s Time” for pro-fessionalism and education forMississippi REALTORS®.

Cover Story:182014 MAR President Janice Shows shares why“It’s Time””

10The 2013 MAR Convention & EXPO in pictures

122013 MAR REALTOR® achievements & recognition

21How to make sure 2014 is free of computer viruses

4 President’s Perspective4 Word on the Street5 Legal Ease6 Headliners6 Association News7 Capitol Watch8 Course of Your Career21 For the Tech of IT22 MARPAC31 Referral Ads

features: departments:

Winter 2014

facebook.com/msrealtors

Stay updated on MAR’s latestnews and events. Visit us on:

twitter.com/msrealtors

youtube.com


With the beginning of each New Year, we all resolve to improve ourselves, to undo bad habits and to set goalsin both our professional and personal lives. I am so excited to begin the year as your 2014 MAR Presidentand look forward to traveling across the state and meeting with our members.

William Penn once said that “Time is what we want most, but what we use worst”. My theme for 2014 is “It’sTime!” and it is my desire to lead Mississippi REALTORS® to focus on the importance of education and profession-alism. I believe that Mississippi REALTORS® are all focused on making 2014 their most successful year yet, and withthe help of the 2014 MAR Executive Committee, I am committed to service and hard work in order to positivelyimpact our industry and association this year. On page 18 of this issue, I share with Real Estate Leader my thoughtson how our focus on being better prepared real estate practitioners begins right now. Also in this issue we take aglimpse back to the 2013 MAR Convention at the Beau Rivage in Biloxi to highlight the achievements of our commit-tee chairs and co-chairs, MARPAC contributors and others. These leaders have helped shape our association throughtheir hard work and commitment, producing a strong association for our membership.

This issue of Real Estate LEADER is not only intended to spotlight our members for their accomplishmentsthroughout 2013, but also to give a glimpse of an exciting 2014. In this issue, you’ll find a preview of upcoming leg-islative priorities, educational opportunities, upcoming events and new affinity programs designed just for you. As inyears past, our legislative success has been directly tied to the involvement of REALTORS® through their MARPAC con-tributions as well as their involvement in both calls to action and a united voice at the state capitol. Mark your cal-endars now to be a part of REALTOR® Day at the Capitol on February 6, 2014.

It is my desire that MAR members feel comfortable in calling on me, members of your MAR leadership team orthe MAR staff throughout the year. We are anxious to serve you in any way we can to help make this a banner yearfor the real estate profession. It’s Time!

Sincerely,


Janice ShowsPresident

NAR launches new health care awareness initiativeNAR recently launched a new health care awareness initiativethat brings information and knowledge to members in an easyand accessible way. A new health insurance topic page has beencreated on REALTOR.org (www.realtor.org/topics/health-insur-ance) featuring:• articles• info graphics• link to the Affordable Care Act website• link to the REALTORS® Insurance Marketplace, a REALTORBenefits® program supported by partner SASid (Smart andSimple Insurance Development)

Go to www.msrealtors.org/PDF/healthcaresheet.pdf for a FactSheet outlining the health insurance awareness initiative and itsbenefits to members. For questions please contact those listed inthe "Contact Information" section of the Fact Sheet.

REALTORS® Applaud DeMarco for LeavingGovernment-Sponsored Enterprise (GSE) LoanLimits As IsNational Association of REALTORS® President Steve Brownrecently applauded the Federal Housing Finance Agency (FHFA)for leaving the loan limits of government-sponsored enterprisesas is.

“REALTORS® welcome the announcement from the FederalHousing Finance Agency that the current limits on conformingloans will remain in effect until further notice. As the leadingvoice for homeownership, NAR opposes lowering the ceiling onloans eligible for backing by the government-sponsored enter-prises. Lower loan limits would increase costs for consumersand reduce their access to conventional mortgages.

“In September, when reports surfaced that FHFA Acting DirectorEdward DeMarco was considering using conservator authorityto lower loan limits, NAR cautioned that such an experimentwould jeopardize homeownership for many creditworthy buy-ers, especially first-time home buyers who are often less likely tomeet the 20 percent minimum down payment requirement.

“There is already enough turbulence in the regulatory environ-ment for mortgage lending. In January 2014, many changesstemming from the Dodd-Frank Act will go into effect, includingthe ability-to-repay requirement. In addition, risk retention reg-ulations remain in flux, including the definition of a QualifiedResidential Mortgage. Lowering loan limits at this time wouldcreate even more confusion and uncertainty, and we would runthe risk of reversing the progress that’s been made in the eco-nomic recovery.”

President’sPerspective



Tis the season when prudent Mississippi REAL-TORS® are wrapping up 2013 and planning for2014. The best planning session includes a

careful and comprehensive review of risk aversionpractices and current trends in risk unique tolicensees.

Agency issues remain the top-ranked concern ofREALTORS® across the nation, according to the 2013Legal Scan published by the National Association ofREALTORS®. Over a third of REALTORS® respondingto NAR’s annual risk survey reported moderate tohigher levels of disputes involving agency, with dualagency, fiduciary duty and buyer representation lead-ing the list of trouble areas.

Nearly 80 percent of REALTORS® surveyed identi-fied fiduciary duty as one of the top future issues,while nearly a third agreed that there is a significantneed for more training. 2012 saw a nearly 30 per-cent increase over 2011 in reported cases involvingfiduciary duty, according to NAR. Many believe that licensees are widelyunaware of their duties under common law, statutes or regulations both dur-ing transactions and after they are closed. Others perceive that too manylicensees are giving in to the temptation to put their own interests abovethose of the consumers they serve – seeking to get to closing and get a com-mission. Still others see misconceptions among consumers of what they mayexpect from their REALTOR® and the propensity of lawyers to add breach offiduciary duties counts to complaints in order to trigger E&O coverage asgrowing problems.

Dual agency remains a high risk concern among Legal Scan respondents,with more than 63 percent seeing a moderate or higher need for training. Aconsiderable percentage of the survey participants object to dual agency sim-ply on the basis of principle, while others perceive that REALTORS® notunderstanding dual agency end up embarking on “unintended representa-tion.” MREC Rule E, the MREC “Working With A Real Estate Broker” formand MREC’s “Dual Agency Confirmation” form cover Mississippi’s require-ments for disclosure of agency relationships in detail, including the dutylicensees have to fully inform consumers of the nature of the agency relation-ship. MREC Rule E. 2(f) stresses that “Brokers who practice disclosed dualagency should do so with the utmost caution to protect consumers and them-selves from inadvertent violation of demanding common law standards ofdisclosed dual agency.”

Buyer representation was a third risk factor identified by NAR wheremany believe there is a significant need for more training. Concerns includ-ed a lack of understanding by licensees of their responsibilities when repre-senting buyers. MREC Rule B. 3 requires all exclusive buyer representation

agreements to be in writing, properly identifying the termsand conditions under which the buyer will rely on the bro-ker for the purchase of real estate, including the sales price,the consideration to be paid, the signatures of the parties tothe agreement and a definite date of expiration. MAR’sBuyer Agency Contract (Standard Form F8), as recentlyrevised, provides one tool to REALTORS® seeking to proper-ly initiate representation of a buyer.

REALTORS® will also want to familiarize themselves withthe new 3.8 percent tax adopted in 2010 as part of the fed-eral overhaul of health care that goes into effect on January1, 2014. The new tax does not apply to every real estatetransaction and is fairly complicated. REALTORS® areencouraged to familiarize themselves with the new tax andhow it may affect their clients in covered real estate transac-tions. NAR has published and made available on its website(www.realtor.org) an informational brochure and helpfulFAQs explaining the tax along with various scenarios andexamples. Visit www.ksefocus.com/billdatabase/client-

files/172/4/1609.pdf for more information.

Ron Farris, Esq. is General Counsel to the MississippiAssociation of REALTORS®, and available to Associationmembers through the Legal HotLine. For non-HotLinematters, he can be reached at Farris Law Group, P. O. Box1458, Madison, MS 39130-1458, or by email: [email protected].

Keep an Eye on Risk in 2014

MAR’s Legal Hotline offers free andconfidential legal information relevant to

broad-based real estate practices andapplications, including MAR Standard Forms

and Contracts, to MAR members, and is available Monday throughFriday, 8:00 a.m. – 5:00 p.m. Messages are retrieved each day at 3:00PM and will be returned the following business day.

LEGAL EASE

Ron Farris, Esq., MAR General Counsel


ASSOCIATION NEWSBrinda Boutwell retires from REALTOR® Institute

Brinda Boutwell, REALTOR® Institute Course Managerand MAR Receptionist retired as Mississippi REALTOR®

Institute Course Manager on December 13th. For almost10 years, Brinda managed the daily real estate schooloperations which included all classroom and online edu-cation, instructor coordination and course scheduling.

Allison Morris assumes MRI Course Manager positionAllison Morris, who previously served on the MAR staff asExecutive and Sales Assistant began her duties as REAL-TOR® Institute Course Manager on December 16th.Allison brings a background in customer service, small-business and non-profit experience to the position.

Amanda Griffin joins MAR staffAmanda Griffin recently joined the MAR staff as Executiveand Sales Assistant. Amanda will be providing support inthe areas of administrative, sales and marketing assis-tance as well as event-planning.

Gwen James receives prestigious HUB award Hattiesburg REALTOR® Gwen James was recently one ofonly two recipients honored with the prestigious HubAward during a gala dinner at the Hattiesburg CountryClub. The honor was established in 1979 and was award-ed to Gwen for her outstanding contributions to the com-munity, commitment to excellence and dedication to pub-lic service.

Contributions honoring the recipients will be placed in the Hub AwardEndowment at the Greater Pine Belt Community Foundation to benefit stu-dents attending The University of Southern Mississippi and William CareyUniversity. Since 1979, the Hub Award has generated scholarship fundstotaling over half-million dollars and has benefited more than 400 students.

James has been a REALTOR® for 38 years and holds the GRI, CRB and CNS

designations. She is co-owner and President of Coldwell Banker Don NaceRealty.

PRBR Association Executive Tracy McKay featured in USMpublication

Pearl River Board of REALTORS® AE TracyMcKay and her daughter Amanda McKay wererecently featured in an article in the Universityof Southern Mississippi's publicationSouthern Miss Now. The article featured themother and daughter who both graduatedfrom USM on December 13, 2013 with

degrees in tourism management. To read the article in its entirety go towww.usm.edu/news/article/mother-daughter-graduate-together-southern-miss..


James

McKay

Boutwell

Morris

Griffin


CAPITOL WATCHUPDATE ON LEGISLATIVE ISSUES IMPORTANT TO YOUR BUSINESS

The Mississippi Association of REALTORS® Board of Directors and theLegislative and Regulatory Affairs Committee have approved the follow-ing issues as legislative priorities for the 2014 Legislative Session.

MAR serves as the voice of real estate in Mississippi by continuously work-ing side-by-side with state legislators to foster pro-REALTOR®, pro-businessand pro-homebuyer legislation. Throughout the session, watch your e-mail forlegislative updates and occasional calls-to-action where REALTORS® will beasked to contact their representatives to personally encourage them to supportthe REALTORS® position on key issues.

Legislative Priorities for 2014:

• Trespassing Act – MAR supports legislation stating that a landowner doesnot owe any responsibility to a trespasser who is injured on their property.This legislation would help codify the case law concerning land possessors’duty of care regarding trespassers. Homeowners, companies, factoriesand farmers may all be at risk of liability for activities inherently out oftheir control.

• Premise Liability Legislation – MAR supports legislation setting guide-lines for court cases where a third party causes injury to someone at a busi-ness.

• Commercial Broker Lien Law – MAR supports legislation that allowsfor a commercial real estate broker to obtain and foreclose upon a lien as alegal remedy against a property if the buyer/seller or lessee/lessor fails to paythe broker the agreed upon commission/fee.

• Implement A Financial Literacy Curriculum For Public Schools– This would create a financial literacy agenda that will implement related cur-riculum into Mississippi schools (grades 10-12). The program includesinstruction in the areas of personal business finance. This will include topicssuch as financial decision0-making, earning an income, saving and spending,use of credit and budgeting. Financial literacy is currently an elective inMississippi high schools. Presently Mississippi law states that schools MAYteach their students financial literacy. The bill proposed would state thatschools SHALL teach the curriculum.

• Eliminating The 5% Tax On The Gross Proceeds Or The GainRealized By An Out-Of-State Seller To An In-state Buyer – Doingaway with or amending the code section which requires the buyer of real prop-erty owned by a nonresident to withhold a portion of the amount realized bythe seller on the sale when the sale is not considered an exchange or trade ofproperty and results in gross proceeds greater than $100,000.

• Appointment of all School Superintendents – Requires the appoint-ment, rather than election, of all local school superintendents by their localschool boards, unless voters in a county have voted to retain the office of elect-ed superintendent. At the expiration of the term of any county superintendentof education elected in the November 2011 general election, the superintend-ent of said county shall not be elected but shall thereafter be subject toappointment by the local school board. A county-wide referendum on thequestion of retaining the office of elected superintendent will be held if at anytime prior to January 1, 2015, a petition for referendum is filed and signed bynot less than 20% or 1,500, whichever is less, of registered voters in a county,excluding municipal separate school district boundaries.

• Amending the Charter School Bill – MAR will support legislationdeemed by the Legislative & Regulatory Affairs Committee to improve theCharter School Legislation supported by MAR during the 2013 LegislativeSession.

• Changes to REALTOR® License Law – MAR will work with theMississippi Real Estate Commission prior to the 2014 Session to discuss poten-tial amendments to Real Estate License Law that would benefit the professionand the general public.

2014 MAR Legislative Prioritiesby Derek Easley

Derek Easley is MAR’s Governmental Affairs Director.Email him at [email protected].


My REALTOR® Party is designed to leverage our association’s best asset – our grass-roots. REALTORS® do so much more than list and sell property. They are communitybuilders dedicated to improving their towns, cities, states and America. They do thisbecause it’s good for the economic and social well-being of all citizens. They do thisbecause it’s good for business.

To ensure that each and every REALTOR® Association has the opportunity to imple-ment a successful community or political outreach initiative in 2014, NAR is supplying a widerange of services and tools. All are available to order free of charge.



FOR THE COURSE OF YOUR CAREERBY JOHN PHILLIPS

Commercial Real Estate 101

New real estate licensees are often advised to try many different dis-ciplines of real estate to determine which specialty they like best.This should, of course, be done under the supervision of their bro-

ker or an expert in the specialty in which they are practicing. Once theagent finds the type of real estate they enjoy, they should become the bestthey can be in that field. Agents know that they have achieved success whentheir name is automatically associated with their chosen field of endeavor.

Any real estate licensee who has been in the business for a while knowsthat real estate is fraught with endless opportunities to get in trouble. Thereal estate license law, rules and regulations of the real estate commission,antitrust, fair housing, do-not-call, asbestos, lead-based paint and under-ground storage tanks are just a few of the concerns. When an agent choos-es a specialty and becomes well-versed in that specialty, they can reducetheir exposure and liability by knowing the dangers associated with whatthey do and taking precautions to avoid predictable problems.

Unfortunately, because of the need to survive in a bad economy or adesire to increase their income, many agents step outside their area ofexpertise to engage in a field of real estate in which they have little or noexperience or skill.

Licensed real estate professionals are expected to have more knowledgeof real estate and a real estate transaction than the consumers with whomthey work. The common law of agency carries with it the fiduciary duty ofexercising reasonable care, skill and expertise required of agents to pro-tect the interests of their clients. Article 11 of the REALTOR® Code of Ethicsstates that the services REALTORS® provide to their clients and customersshall conform to the standards of practice which are reasonably expectedin the specific real estate disciples in which they engage.

Most real estate licensees settle into the practice of listing and selling sin-gle-family residential real estate, and some agents become very good at itand make lots of income from it. From time to time, residential agentshave an opportunity presented to them to engage in a commercial transac-tion in which the sales price and the commercial commission rate makethe deal so attractive that they just can’t turn it down. Many do so at theirperil. There are a number of items in a commercial transaction that areconsidered standard, normal and necessary that are often unfamiliar toresidential agents.

Several years ago, one of my residential salespeople called me at hometo tell me that she had written an offer for a developer on a large parcel ofcommercial acreage. After I congratulated her on her achievement, shewent on to say that the purchaser had requested for her to put in the offera due diligence period of 180 days. She then asked me what due diligencewas. It should be noted that if you write something into a legal contractthat you can’t define and don’t understand, this is a transaction that you

better hope does not have any problems in the future. It would be very dif-ficult to convince a judge or a disciplinary hearing panel that you wereexercising reasonable care and expertise to protect the interests of yourclient when you didn’t understand the terms and conditions you are writ-ing into a contract form.

There are several ways to learn how to do transactions correctly in unfa-miliar real estate disciplines. One way is to get an expert in that field of realestate to walk you through enough of those kinds of transactions until youdevelop the skills you need to do them yourself. Another way to learn newskills is the same way you learned your basic skills. There are almostunlimited sources of online and classroom education in just about any realestate discipline. Some are, of course, better than others. First of all, youwill need to be sure why you want the education. Do you want to special-ize in commercial real estate or do you want to remain in residential realestate and rarely do a commercial transaction? If you intend for commer-cial real estate to be your core business, there are several great coursesavailable from the National Association of REALTORS®. I can highly recom-mend the CCIM designation courses which prepares you for commercialand development projects. If you just want to obtain the necessary infor-mation to practice safe commercial transactions from time to time, theMississippi REALTOR® Institute’s new course COMMERCIAL REAL ESTATE101 might be the course for you.

COMMERCIAL REAL ESTATE 101 is designed to teach commercial defi-nitions and terminology, introduces the P&L (profit and loss) Statement,the APOD (annual property operating data), financial calculators and othertools. The student will get a basic understanding of what investors wantand how to determine market value and return on investment. The coursewill remove the confusion associated with rent vs. buy, value of cash flows,NOI (net operating income, cap rate, GRM (gross rent multiplier), capitalgains, depreciation, 1031 exchanges and sale/leaseback.

This 4-hour continuing education class is available at any local board inthe state and at any real estate company in which the broker is a REAL-TOR®. The information presented in the class can also be used by individ-ual real estate licensees in their own investments.

If you want this class in your area or at your company, ask your localboard Association Executive or your broker to book it. You can find thisand other classes offered by MRI at realtorinstitute.org.

John Phillips, a Hall of Fame inductee and Past President of MAR, isthe Vice President of Professional Development for the MississippiREALTOR® Institute. E-mail him at [email protected].



®

www.realtorinstitute.orgCheck the website for up-to-date information as classes are added frequently.

Mississippi REALTOR® Institute 2014 schedule

Continuing Education Schedule

Agency, License & Contract Law Concepts, Forms & Disclosures January 15, 2014 9A-6P Jackson*Electives (TBD) January 16, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures March 12, 2014 9A-6P Jackson*Electives (TBD) March 13, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures May 21, 2014 9A-6P Jackson*Electives (TBD) May 22, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures July 9, 2014 9A-6P Jackson*Electives (TBD) July 10, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures September 17, 2014 9A-6P Jackson*Electives (TBD) September 18, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures November 18, 2014 9A-6P Jackson*Electives (TBD) November 19, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures December 10, 2014 9A-6P Jackson*Electives (TBD) December 11, 2014 9A-6P Jackson

Military Relocation Professional Certification Core Course December 4, 2013 9A-6P ColumbusMilitary Relocation Professional Certification Core Course January 9, 2014 9A-6P JacksonMilitary Relocation Professional Certification Core Course February 13, 2014 9A-6P HattiesburgMilitary Relocation Professional Certification Core Course February 21, 2014 9A-6P Meridian

GRI I (SALESPERSON POST-LICENSE)Jackson Jan. 27 - 30Jackson July 21 - 24Jackson Oct. 20 - 23

GRI III (BROKER B)Jackson Mar. 17 - 21Jackson July 7 - 11Jackson Nov. 10 - 14

GRI II & GRI III (60 HOUR BROKER PRE-LICENSING)STATE EXAM REVIEWJackson January 26 (Weekend)Jackson Februaray 26 (Day)Jackson April 6 (Weekend)Jackson May 7 - 8 (Night)Jackson June 25 (Day)Jackson August 10 (Weekend)Jackson October 1 (Day)Jackson November 2 (Weekend)

SALESPERSON PRE-LICENSEJackson Jan. 10 - 31 (Weekend)Jackson Feb. 17 - 27 (Day)Jackson Mar. 21 - Apr. 11 (Weekend)Jackson April 14 - May 12 (Night)Jackson June 16 - 26 (Day)Jackson July 25 - Aug. 15 (Weekend)Jackson Sept. 22 - Oct. 2 (Day)Jackson Oct. 17 - Nov. 7 (Weekend)

GRI II (BROKER A)Jackson Feb. 10 - 14Jackson June 2 - 6Jackson Aug. 18 - 22

BROKER POST-LICENSEJackson April 7 - 10Jackson July 28 - 31Jackson Dec. 15 - 18

MRI will teach any class offered at any board location or individualbroker office by request.

Additional Pre- and Post-License courses are being scheduled forother parts of the state. Please visit realtorinstitute.org for an updatedlist of available courses.



The 2014 MAR Executive Committee were sworn in at the Installation Gala at the Beau Rivage in Biloxi.

MAR CEO Beth Hansen presented 2013 MAR President KenAustin with a stunning watercolor of the Pass Christian har-bor by Gulf Coast artist Sherry Phillips Carlson as a momen-to of his 2013 Presidency.

The Mississippi Real Estate Commission commissionersheld a Mississippi Real Estate License Law forum provid-ing 2 hours of required License Law continuing education.

The enthusiastic Ocean Springs High School cheer-leaders kicked off the General Membership Meeting.

Mississippi House District 118Representative Greg Haney ofGulfport, Mississippi HouseDistrict 114 Representative JeffGuice of Ocean Springs andGulfport Mayor Billy Heweshelped open the GeneralMembership meeting.

Kenny Parcell, 2013 NAR Liaison for REALTOR®

Party Member Involvement addressed the membersin attendance at the General Membership meeting.

Levi McRaney of Greenville did a littlebusiness between classes.

A pictorial review of

MAR’s 2013 Convention

& EXPO in Biloxi



MAR Vice President of Professional Development JohnPhillips visited with keynote speaker Terry Watson.

Janice Shows of Madison was installed as 2014 MARPresident by 2009 MAR President Lynette Praytor.

Alice Smith of Madison won the drawing for theApple Macbook Air given away by the VeteransHome Purchase Board as well as the phone givenaway by MAR sponsor C Spire.

2014 MAR President Janice Shows is pictured with family and co-workers fromERA Real Estate Professionals in Ridgeland.

2014 NAR President Elect ChrisPolychron of Arkansas addressedthe Board of Directors meeting.

A convention Welcome Booth was provided by the Biloxi-Ocean Springs and Gulf Coast Associations of REALTORS®.

Mississippi REALTORS® danced to the sounds of Meet the Press atthe Installation Gala.

The EXPO was one of MAR’s largest due togenerous vendors and sponsors.

Janice Guckert of Jackson and Seth Touchstone ofJayess caught up between sessions.



Mississippi REALTORS® take the stage at MAR’s 2013Convention & EXPO to honor their achievements

Harry J. Joachim honored during Hall of Fame recognition

Established in 1994, the Hall of Fame honors Mississippi REALTORS® who have made extraordinary and distin-guished contributions to the real estate profession in Mississippi over a period of at least 20 years. There was no2013 inductee to the MAR Hall of Fame, but a special presentation was made to honor Harry J. Joachim whopassed away on November 21, 2012. Harry J. Joachim served the REALTOR® family in Mississippi for severaldecades and was also a proud US Army Air Corp veteran, and spent many years championing the U.S. Military.Upon his death, a Harry J. Joachim Real Estate Education Fund was set up at the request of his family, and MARreceived contributions in his memory. During the summer of 2013, NAR launched a new certification program, theMilitary Relocation Professional, offering special training and valuable instruction on how to best counsel U.S.service members and their families to find housing and financing solutions that best suit their needs. It wasannounced during the MAR Convention General Membership Meeting and Awards Ceremony that the MississippiREALTOR® Institute, along with the Harry J. Joachim Real Estate Education Fund would be offering a Road Showfeaturing the Military Relocation Professional course.

Glass honored as 2013 MAR REALTOR® of the Year

Karen Glass of Gulfport was recognized as MAR’s 2013 REALTOR® of the Year. Glass is a graduate ofLeadershipMAR and served as President of the Gulf Coast Association of REALTORS® in 2012. She hasserved the state association on theBoard of Directors and on variouscommittees. She has served on anNAR committee and is a Sterling R.

Hollister and Wilson receive President’s Award

Lisa Hollister of Ocean Springs and Chris Wilson of Laurel were recognized by 2013 MARPresident Ken Austin as co-recipients of the President’s Award, honored for their contri-bution to his presidency. During 2013, Hollister and Wilson traveled across the state, visit-ing as many local boards as possible to promote the importance of MARPAC and theelection of REALTOR®-friendly candidates. Hollister and Wilson specifically stressed theimportance of fair share contributions by Mississippi REALTORS® and worked diligently tohelp achieve a 51 percent statewide fair share participation level.

Carlton chosen as REALTOR® Institute Instructor of the Year

Lonnie Carlton of Clinton was named the 2013 Mississippi REALTOR® InstituteInstructor of the Year. Carlton was chosen by having the highest instructor evaluationsfrom his students for the year. The award was presented by 2013 ProfessionalDevelopment Committee Chair, Brenda Estes.

Glass

Hollister Wilson

Carlton Estes



Three inducted into MARPAC Hall of Fame

Three Mississippi REALTORS® were inducted into the MARPAC Hall of Famefor their contribution of over 10 thousand dollars to MARPAC. The inducteeswere Ric Corts of Hattiesburg, Cathy Feltenstein of Meridian and MelanieMitchell of Starkville.

Under 40 Award winners announced

This year the MAR Board of Directorsvoted to establish a new award, theUnder 40 Award. Up to four REAL-TORS® under 40 years of age may behonored each year for their excel-lence, professionalism and extraordi-nary contributions to MississippiREALTORS® at the local and statelevel. The 2013 recipients of theUnder 40 Award that were recognizedat the MAR Convention AwardsCeremony were Leigh Ann Carkeet of Southaven, AshleyEndris of Gulfport, Megan Hall of Pelahatchie and WesleyWebb of Tupelo.

LeadershipMAR class of 2013 graduates

After completing a year-long curriculum of retreats, team-building activities,spokesperson training, personality profiling and a class project producing a shortvideo promoting the new Mississippi REALTORS® branding campaign and it’stagline “Property Professionals–Community Champions,” the ten members of the2013 LeadershipMAR class took the stage to graduate during the MAR Conventionin Biloxi. Deborah Tierce of Tupelo served as their spokesman at the graduationrecognition, presenting a speech on their behalf. Members of the LMAR class areBarrilleaux, Madison; Carole Davis, Ridgeland; Kathy Elias, Gulfport; GregGillespie, Tupelo; Summer Inman, Ocean Springs; Darian Pierce, Hattiesburg;Michele Rumbley, Madison; Debbie Stovall, Summit; Deborah Tierce, Tupelo andLynn Wade, Ocean Springs.

Affiliates of the year recognized for their support

MAR members annually recognize affiliates from across thestate who go above and beyond the call of duty in assistingREALTORS® by their service, sponsorship and politicalinvolvement in the real estate industry. Margaret Peel of M& F Bank in Tupelo, Harry Piascik with Community Bank inGulfport and Sinnana Jones of Deep South Title inHattiesburg were selected as Regional Affiliates of the Year.Chan Vessell of First American Home Buyers Protection inJackson was selected as the 2013 Mississippi Affiliate ofthe Year.

Corts

CarkeetHall Endris Webb

Feltenstein Mitchell

PiascikPeel Jones Vessell


Breakfast in the Expo Lunch in the Expo Lunch in the Expo Cyber Café Keynote Speaker Computers Massage Booth


American Mortgage ServiceMDEQ--LeadPrimeLendingPrimeLendingHope Federal Credit UnionMCAR/CatylistFairway Mortgage1st American Home BuyersProtection On the Move, Inc. Veterans Home Purchase BoardBlake Publishing

C Spire Business SolutionsSouthern Ag CreditBonded Builders WarrantyTrustmarkMS Home CorporationOffice DepotHome Warranty of AmericaMDEQ ResourceRegions RegionsThe Home Lending GroupPillar to Post Home Inspection

EXIT RealtyPro Card MobileCutco Cutlery/Closing GiftsSEI/Navica MLSKahn, Swick and Foti, LLC Mass Mutual MississippiBancorpSouthBancorpSouthTennessee Valley SignsHouse Call Home InspectionSupraErnie Chaffin Allstate

D.R. Horton, America's BuilderMS Valley Title InsuranceJonathan's JewelsNOLA Lending GroupFBT MortgageBritt Kennedy SignsAdams Homes, LLCSouthGroup/TelaMedPlusCornerstone Home Lending

Many thanks to our 2013 MAR Convention Sponsors and Exhibitors whosegenerous support makes our convention possible.

Emerald Sponsorship Sapphire Sponsorship

Other Event Sponsors

Ruby Sponsorship

Diamond Sponsorship

Installation Gala

Local Board Management Conference Leadership Dinner

Veterans HomePurchase Board



Local Board REALTORS® of the Year

Biloxi Ocean SpringsMeg Dengler

ClevelandMary Taylor Jackson

Four CountyDiane Ables

Golden TriangleKristyn Davis

GreenvilleRay Millwood

GreenwoodSonny Bowie

GrenadaBonnie Hankins

Gulf CoastKaren Glass

HattiesburgBarbara Sellers

JacksonMegan Hall

LaurelKaren Rasberry

MCARWilliam F. Hankins

MeridianMargaret Nelms Taylor

NatchezBarbara J. Winkworth

North Central MSBetty Wiseman

Northeast MSSue Golman

Northwest MSRobert E. Leigh

Pearl River CountyMike Hindman

Southwest MSSeth Touchstone

VicksburgAndrea Upchurch

Land REALTOR®

Wesley Webb



Ken Austin Professional Standards CommitteeAndrea Cummins Housing Opportunity CommitteeLarry Edwards RPAC Trustees Federal Disbursement CommitteeLee Garland Multiple Listing Issues and Policies CommitteeJudy Glenn Legal Action CommitteeDavid Griffith Real Property Valuation CommitteeMegan Hall Federal Financing & Housing Policy CommitteeBeth Hansen AEC-RCE Certification Advisory BoardBeth Hansen Board of DirectorsBeth Hansen Leadership Academy Advisory GroupLisa Hollister RPAC Participation CouncilCynthia Joachim Chair, Meeting and Conference CommitteeMartin Jones Multiple Listing Issues & Policies CommitteeBruce Kammer Board of DirectorsBruce Kammer Multiple Listing Issues & Policies CommitteeJesse Lane Business Issues Policy CommitteeNancy Lane Board of DirectorsNancy Lane Commercial CommitteeNancy Lane Vice Chair, Commercial Economic Issues & Trends Forum

PresidentJanice Shows, Ridgeland

President-ElectAndrea Inman Cummins,Oxford

First Vice President/Southern District VPLisa Hollister, Ocean Springs

Central District Vice-PresidentDorothy Thompson, Jackson

Northern District VPKris Davis, Columbus

Federal Political Coordinators (FPC)

District 1, Alan Nunnelee–Tony JonesDistrict 2, Bennie Thompson–Carla Palmer-AllenDistrict 3, Gregg Harper–Russell WilcoxDistrict 4, Steven Palazzo–Andy StetelmanSenator Roger Wicker–Ellen ShortSenator Thad Cochran–Larry Edwards

TreasurerDavid Griffith, Cleveland

Immediate Past PresidentKen Austin, Pass Christian

Member-At-Large Ex-OfficioBob Leigh, Hernando

Nancy Lane Research CommitteeNancy Lane Reserves Investment Advisory BoardBob Leigh Broker Involvement CouncilStephanie Palmer Cummins Young Professionals

Network Advisory BoardJoe Parker Commercial CommitteeLynette Praytor Risk Management CommitteeCynthia Pritchard Professional Standards CommitteeEllen Short REALTOR® Party Member Involvement

CommitteeJanice Shows Board of DirectorsJanice Shows Membership Policy & Board Jurisdiction

CommitteeDorothy Thompson Diversity CommitteeNoggin Wild Business Issues Policy CommitteeNoggin Wild Real Property Valuation CommitteeChris Wilson RPAC Major Investor CouncilChris Wilson RPAC Trustees Fundraising Committee

Mississippi REALTORS® receive 2014 NAR Committee Appointments

Congratulations to these Mississippi REALTORS® who were appointed to 2014 NAR Committees

2014 MAR Leadership Team



1994*Hugh C. Bailey, Sr., Jackson*James A. Brewer, Senatobia*W. P. Bridges, Sr., Jackson*Edith D. Dantagnan, Gulfport*Lavelle M. Dragula, HattiesburgGeorge Gilmore, Jackson*Harry J. Joachim, Biloxi*John H. McArthur, Hattiesburg*Elaine H. Nix, Jackson*Nelda B. Parrish, Corinth*Simon A. Rosenbaum, MeridianJames W. Underwood, Jackson

1995*H.C. Ashcraft, Jackson*Moody Grishman, Biloxi*J. Ed Turner, Hattiesburg

1996*Michael Stetelman, HattiesburgW.P. Bridges, Jr., Jackson*W.F. Tate, Tupelo

1997Cecil Cost, Clinton

1998*Randall Craft, JacksonDon Grantham, HattiesburgThomas Gregg, Jackson

1999Mark Cumbest, Pascagoula

2000John Phillips, Gulfport

2001Robert Praytor, JacksonSue McCormack Tate, Tupelo

2002Judy Glenn, Corinth*B.E. "Corky" Grantham,Jackson

MAR Hall of Fame

REALTOR® Hall of Fame Members

2003*Wallace Neal, SouthavenClarence A. Wilkinson, Pascagoula

2004Brenda Berg, Montgomery, ALSonja Dunaway, Jackson

2005Sue Gallaspy, Hattiesburg

2006Carlene Alfonso, GulfportTommy Morgan, TupeloBob Ridgway, Jackson

2007Ernie Clark, BrookhavenLarry Edwards, RidgelandBelva Pleasants, Greenwood

2008John Dean, Leland

2009Cynthia Joachim, Biloxi

2010David Stevens, Clinton

2011Jim Conerly, Jackson

2012Jerry Brewer, Senatobia

*indicates recipient is deceased



RL: Do you mind sharing with our members about how you gotstarted in real estate and some other interesting things about your-self?JS: My interest in real estate began in 1987. My younger daughter was play-ing softball and her coach/sponsor was a REALTOR®. Spending the best partof the spring and summer with this person around the ball fields, I startedinvestigating this business. As for interesting things about my life--I am themother of two daughters, the wife of a physician, and I am better known as"YaYa" to my two-year-old grandson. Spending time with family, travellingand volunteering are what I enjoy most.

RL: Describe the meaning of your Presidential theme “It’s Time!”JS As I was considering a 2014 Presidential them, there were a few areasthat kept coming to mind that were important to me. The theme “It’s Time!”was intended to focus on three areas I want to encourage Mississippi REAL-TORS® to consider when investing their time. The first is to consider qualityeducation over and above the minimum requirements and there is no bet-ter place than our own Mississippi REALTOR® Institute to obtain that. I havealways believed that quality real estate education is imperative to elevate ourperformance and cultivate the trust of our clients, family and friends inshowing that we are indeed professional. The second area where I wouldlike members to have a renewed commitment is adherence to our foundingdocument, the REALTOR® Code of Ethics, which reached its 100th birthdaythis past year. Our Code is broken down for us in Articles and Standards ofPractice and should be continually reviewed and read to remind us of ourresponsibilities and commitments as REALTORS®. The third area of empha-sis is for REALTORS® to use 2014 as an opportunity to be more involved inservice in their communities. Many of our members are already veryinvolved in their communities and my hope this year is to encourage othersto do the same.

RL: Why do you feel these issues need to be spotlighted this year?JS: We often get so wrapped up in daily activities that we forget the oath that

we took when we became REALTORS®. When we are bogged down in thedetails and responsibilities of working in real estate it is easy to forget thatwe are professionals and that we are to treat each other in the spirit of theGolden Rule. As for the emphasis on education, I find that there are someREALTORS® who view education strictly as the minimum requirement tokeep their license and others who are only interested in finding the cheap-est education options available. I hope to challenge Mississippi REALTORS®

to invest in quality education through our Mississippi REALTOR® Instituteand to seek education as a means of becoming a better real estate profes-sional.

RL: You shared with members at the MAR Convention in Biloxi thatyou would like to focus on the guidelines in NAR’s “Pathwayto Professionalism.” Why is that particular issue impor-tant to you?JS: In addition to the Code of Ethics, Mississippi REALTORS®

should adhere to essential core business practices and com-mon courtesies that are profoundly important to buildinggood relationships with clients and fellow REALTORS®.These basic business etiquettes are important not onlyto new REALTORS® entering the profession, but serveas a reminder to veteran REALTORS® in dealing withpeers and the public. The “Pathway to Professionalism”guidelines which were established by NAR are voluntary,but following them is not only an excellent way to builda professional and respected reputation from otherreal estate professionals, but will foster respectfor REALTORS® among consumers.The common thread that runs throughout“Pathways to Professionalism” is respect forthe public, property and our peers. I haveincluded a copy of “Pathways toProfessionalism” at the end of this article.

It’sTime!2014 MAR President Janice Shows of Jackson is no stranger to

Mississippi REALTORS®. A REALTOR® for over 25 years, Shows hasbeen involved in her association since the very beginning of her career

while selling real estate, managing agents and coordinating her company’srelocation department. In addition, she holds numerous NAR designationsincluding GRI, ABR and SRS, but also has found time to be a part of profes-sional enrichment programs like LeadershipMAR, LeadershipMAR Honorsclass and NAR’s Leadership Academy. An active member and past presidentof the Jackson Chapter of Women’s Council of REALTORS®, Shows wasawarded REALTOR® of the Year by the Jackson Association of REALTORS® on

two different occasions. A Golden R Major Donor to MARPAC, Shows is alsoa member of the MARPAC President’s Circle.

As if her professional life isn’t impressive enough, Shows is a charter andlife member of the Junior Auxiliary of Madison-Ridgeland and proudlyshares that the charter documents for the organization were signed on herdining room table. With such an extensive professional and service-orient-ed resume, it is no surprise that Shows has chosen a yearlong emphasis onprofessionalism, REALTOR® education and service to the community.

MAR’s Real Estate LEADER had the opportunity to visit with Shows andtalk with her about her 2014 Presidential theme “It’s Time!”

by Kathy Whitfield



RL: How do you think the re-commitment to professionalism byREALTORS® would impact the real estate industry?JS: By re-committing to professionalism, we would gain respect of those weserve now and hope to serve in the future.

RL: How do you plan to incorporate your vision of promoting pro-fessionalism with Mississippi REALTORS® this year?JS: I want Mississippi REALTORS® to know that our association is there forthem. We, as an association, should stay abreast of what is going on in ourindustry. I plan to stay focused on the three core items for the year by talkingto our members and making board visits across the state.

RL: What would you most like Mississippi REALTORS® to knowabout you and your vision to serve the members in 2014?JS: I am humbled to serve as their President this year, but I will need theirhelp to make 2014 a success. This position isn’t about just one person gettingthe job done, but takes a team effort with each member promoting ourMississippi REALTOR® Institute, adhering to and promoting NAR's "Pathwaysto Professionalism" and giving back to our local, state and national associa-tions as well as our communities. I look forward to working with and visitingour members throughout the year.

Respect for the Public• Follow the “Golden Rule” – Do unto others as you would have them do

unto you.• Respond promptly to inquiries and requests for information.• Schedule appointments and showings as far in advance as possible.• Call if you are delayed or must cancel an appointment or showing.• If a prospective buyer decides not to view an occupied home, promptly

explain the situation to the listing broker or the occupant.• Communicate with all parties in a timely fashion.• When entering a property, ensure that unexpected situations, such as

pets, are handled appropriately.• Leave your business card if not prohibited by local rules.• Never criticize property in the presence of the occupant.• Inform occupants that you are leaving after showings.• When showing an occupied home, always ring the doorbell or knock –

and announce yourself loudly – before entering. Knock and announce yourself loudly before entering any closed room.

• Present a professional appearance at all times; dress appropriately and drive a clean car.

• If occupants are home during showings, ask their permission before using the telephone or bathroom.

• Encourage the clients of other brokers to direct questions to their agent or representative.

• Communicate clearly; don’t use jargon or slang that may not be readily understood.

• Be aware of and respect cultural differences.• Show courtesy and respect to everyone.• Be aware of – and meet – all deadlines.• Promise only what you can deliver – and keep your promises.• Identify your REALTOR® and your professional status in contacts with

the public.• Do not tell people what you think – tell them what you know.

Respect for Property• Be responsible for everyone you allow to enter listed property.• Never allow buyers to enter listed property unaccompanied.

• When showing property, keep all members of the group together.• Never allow unaccompanied access to property without permission.• Enter property only with permission even if you have a lockbox key or

combination.• When the occupant is absent, leave the property as you found it (lights,

heating, cooling, drapes, etc). If you think something is amiss (e.g. van-dalism) contact the listing broker immediately.

• Be considerate of the seller’s property. Do not allow anyone to eat, drink, smoke, dispose of trash, use bathing or sleeping facilities, or bring pets. Leave the house as you found it unless instructed otherwise.

• Use sidewalks; if weather is bad, take off shoes and boots inside property.

Respect for Peers• Identify your REALTOR® and professional status in all contacts with

other REALTORS®.• Respond to other agents’ calls, faxes, and e-mails promptly and

courteously.• Be aware that large electronic files with attachments or lengthy faxes

may be a burden on recipients.• Notify the listing broker if there appears to be inaccurate information

on the listing.• Share important information about a property, including the presence

of pets; security systems; and whether sellers will be present during the showing.

• Show courtesy, trust and respect to other real estate professionals• Avoid the inappropriate use of endearments or other denigrating

language.• Do not prospect at other REALTORS®’ open houses or similar events.• Return keys promptly.• Carefully replace keys in the lockbox after showings.• To be successful in the business, mutual respect is essential.• Real estate is a reputation business. What you do today may affect your

reputation – and business – for years to come.

©Copyright NATIONAL ASSOCIATION OF REALTORS®. Reprinted withpermission."

Pathways to ProfessionalismWhile the Code of Ethics and Standards of Practice of the National Association establishes objective, enforceable ethical standards governing the pro-fessional conduct of REALTORS®, it does not address issues of courtesy or etiquette. Based on input from many sources, the Professional ConductWorking Group of the Professional Standards Committee developed the following list of professional courtesies for use by REALTORS® on a voluntarybasis. This list is not all-inclusive, and may be supplemented by local custom and practice.



As you can see behind me and on your tables, our theme for 2014 is “It's Time!!”William Penn, the famous statesman and founder of the Pennsylvania colony, once said,“Time is what we want most, but what we use worst.” I think we all find that to be true ona regular basis. So this year I'd like for us to focus on Time, and making the very best useof the Time that we'll be given.

There are many ways to use Time wisely, but I'd like to focus on three tonight.First of all it's Time for Education! The opportunities for formal real estate education are more numerous

and easier to find than ever. And with the pace that things are changing, the need for education has never beengreater.

When you received your real estate license, you stepped on the first rung of a ladder, but that first rung justserves to hold one foot so that you can stretch the other to a higher rung. I'd like to challenge you to elevateyour focus – aspire to learn more than just the basics, to continue to expand your knowledge of this businessand to never stop learning new ways to serve your clients. Plan this year to start working on a new designation– to learn how to be more tech-savvy – to devote some significant time to being a student again.

Just one final reminder about education -- your Mississippi REALTOR® Institute remains your best source foreducation in our state, not only because it only uses instructors licensed in Mississippi who know Mississippireal estate, but also because it is YOUR real estate school. When the REALTOR® Institute prospers, our associa-tion prospers as well.

The second thing that I'd like to focus on is Professionalism – It's Time for us to focus some effort on ele-vating our performance, on cultivating the trust of our clients and our neighbors and friends. We've spent 2013celebrating the 100th anniversary of the REALTOR® Code of Ethics, and complying with the Code is one of thecore responsibilities of a REALTOR®. But even beyond the Code of Ethics there are professional courtesies,behaviors which demonstrate honesty and trustworthiness that inspire our clients and fellow REALTORS to agreater confidence in us as agents. The future of this profession depends on how we conduct ourselves andhow we treat each other and consumers today. It's Time right now, individually and as an association, to builda reputation for excellence and professionalism.

And finally, it's Time for Service. First, your REALTOR® Association needs your participation, we need yourinnovative ideas, your thoughtful suggestions and we need your leadership. And beyond MAR, our Mississippicities and towns need your involvement and action too. There is an old Chinese proverb that says, "If you wanthappiness for an hour, take a nap. If you want happiness for a day, go fishing. If you want happiness for a year,inherit a fortune. If you want happiness for a lifetime, help somebody." We truly are at our best when we arefocused on the success of others. It's a privilege to spend time in service to a great cause. I hope that you'llfind Time this year to serve.

So - It's Time! Time for Education, for Professionalism and for Service. The opportunities are before us, dis-tractions are plentiful, and our Time together, just for a year, will fly by. But collectively, Time well-spent thisyear will benefit our association and our profession. And I think we'll all get a lot of personal benefit from ittoo. Again, thank you for your commitment to real estate and to MAR. I'm very much looking forward tospending my Time with all of you this year.

2014 MAR President Janice Showsshares her vision in inaugural address2014 MAR President Janice Shows shared a charge to REALTORS®

to begin now to focus on professionalism, education and servicefollowing her induction as 2014 MAR President. Shows wassworn in by 2009 MAR President Lynette Praytor during the 2013Installation Gala at the Beau Rivage in Biloxi.


FOR THE TECH OF IT

BY CHRIS ADCOCK

What CryptoLocker taught us about viruses

Last year, I wrote an article about viruses and tried to dispel somecommon misconceptions. Firstly, I discussed how virus scanners areoften unprepared for new viruses, as they do not yet have a defini-

tion for the virus. If you get infected with a viruswithin the first few months of its creation, yourvirus scanner might not give you any protectionor notification that you are infected.

Secondly, I mentioned that just updatingyour virus scanner's definitions is not enough toremove viruses you may already have infectedyou. As your scanner gets new definitions, it willtypically discover and attempt to stop virusesfrom infecting your computer, but if your com-puter is already infected with a virus, it is less likely to discover it withoutrunning a full scan with the new definitions. To really ensure your com-puter is clean, you need to do regular scans. Some virus scanners havescheduled full scans that automatically run once a week or so, thoughmost require you to run a scan manually. I recommend full scans everytwo to three weeks.

Finally, I went over some of the more common ways viruses get onyour computer. Often, virus infections come from executable attachmentsin emails (like .exe, .zip, .bat, and .src files). You can also get a virus byvisiting an infected website, which is why you have to be careful clickingsuspicious links in emails or on Facebook.

This year we discovered the now infamous CrypoLocker virus. Oncethis particular virus infects your computer, it secretly starts encrypting allof your files. After it is finished, it pops up a message telling you that youare infected with the virus, and informing you that all of your files havebeen encrypted. If you do not pay a "ransom" of about $300 within a shortwindow of time, you will be unable to recover your files. Many virus scan-ners can remove the CryptoLocker virus, but none can recover yourencrypted files. Without the encryption key (provided by the attacker),your documents, pictures, etc. are unrecoverable. We've seen "ran-somware" viruses before, but none that actually encrypted files, whichmakes it practically impossible for you to recover.

Most virus scanners have since updated with definitions that shouldblock CrypoLocker, but you shouldn't let your guard down. Rewriting ofthe virus, or simply another virus maker utilizing the same file encryptionstrategy, would produce viruses that would likely be able to infect yourcomputer even with protection.

The real lesson from CryptoLocker is that there is no substitute forbackups. No matter how good your protection, all it takes is one virusinfection for you to lose all of your data. Luckily, this is not extremely com-mon. But that could quickly change as other virus creators mimicCryptoLocker's success. Having an up-to-date backup is a good fall-backif you lose access to your files. Of course, there are lots of other reasonsto have backups: hard drive failure, lost/stolen computer, natural disas-

ters, etc. CryptoLocker was a wakeup call for many who do not have agood backup solution.

How do currently handle backing up your data? Hopefully you havesome type of backup. If you do the most basicbackup solution, you likely have an externalhard drive hooked into your computer whereyou manually or automatically backup criticalfiles. But if this drive is always plugged in, thisdrive could be vulnerable to CryptoLocker ora similar virus. If it is plugged into your com-puter, a virus could easily encrypt the files onyour external drive also. If you were tobecome infected with CryptoLocker, or anoth-

er virus, you could lose access to the files on your computer and the oneson your backup drive. To really protect yourself, you need to leave exter-nal drives disconnected when not making a backup, or only use an exter-nal drive in addition to an off-site backup. There are many offsite backupsolutions, with Carbonite and Mozy being two of the more well known.Most of these services will allow you to recover your files after being delet-ed or encrypted. You want to make sure the service you choose has a fea-ture to recover files deleted or modified for a period of time. For exam-ple, with Carbonite, if you accidentally delete or modify a file, you canrecover a previous copy for up to 30 days. If you were to become infect-ed with CryptoLocker, encrypted files might be uploaded, but you wouldstill have 30 days to download your previous unencrypted files.

E-mail is still one of the most common carriers for viruses.CryptoLocker would send itself as an attachment, disguising itself as some-thing else. The file might be Report.PDF.exe. Users opening the file wouldassume it was a PDF document, when it was really an executable file. Youshould never open an unknown file ending in .exe, .bat, .src, or .com froman E-mail attachment.

Social media has brought new challenges for virus protection. Virusesare able to spread rapidly and take advantage of the window of time ittakes for definitions to be written and distributed to users. Viruses are nowposting on infected users' Facebook walls and Twitters account with mali-cious links. Be cautious of suspicious posts on social media sites, even ifposted by someone you know.

To make sure your 2014 isn't wrecked by a virus, make sure you havean anti-virus that is updating. Ensure you have backups other than just anexternal hard drive always plugged in. Run a full virus scan every two tothree weeks. And be cautious about links you click on social media sitesand email, and avoid executable email attachments.

Chris Adcock is MAR’s Information Technology Manager. Contacthim at [email protected]




2013 Major Donors

David BourdettePass Christian

Dottie CollinsGreenville

Dottie CollinsGreenville

Buck CovingtonMadison

Bethany CulleyMadison

Norma CotherTupelo

John Dean Jr.Leland

John JenkinsJackson

Tony JonesOlive Branch

Tony JonesOlive Branch

Cynthia JoachimBiloxi

John JonesPascagoula

Nancy LaneJackson

Nancy LaneJackson

Doug MaselleJackson

Rita McIntoshJackson

Larry McMahanHattiesburg

Betty Jo IsonHattiesburg

Margie McFarlandGulfport

C.R.(Bob) RidgwayJackson

Pamela RobersonOxford

C.R.(Bob) RidgwayJackson

Michele RumbleyMadison

Jimmie SandiferJackson

Kay JefferiesHernando

Melanie MitchellStarkville

Tena MeyersJackson

Keiko PalmeroGulfport

Stephanie NixRidgeland

Sheila NicholasJackson

Phield ParishGreenville

Ann PrewittJackson

Lynette PraytorRidgeland

Bo Smith Jackson

DeLois Smith Hattiesburg

Stephanie ShawGulfport

Shellye BeachMadison

Rosiland BurgeLumberton

Vicky HallBrandon

Tracy KirkleySouthaven

Peggy LeighHernando

Fabian NelsonJackson

Jennine RamageHernando

Rosemary StovallMadison

Catherine WatsonRidgeland

Adam WatkinsHattiesburg

Glenn WhitfieldMadison

Nancy WilksJackson

Ken AustinPass Christian

Lisa BourgoyneBrandon

Patricia FlemingMcComb

Robert LeighHernando

Cynthia PritchardGautier

Paula RicksMadison

Jeffrey Dillon Ridgeland

Pam Pybas Ridgeland

Sherry PullensHattiesburg

Janice Guckert Jackson

Barbara RichardsonRaymond

Carla Palmer-AllenRidgeland

Yolanda ParrisJackson

Jeanelle MarshallRidgeland

Lisa LangstonPearl

James BrantleyBrandon

Tessie BuckhaulterJackson

James CarsonJackson

Robert ClayHernando

Chassity ColemanJackson

Lynn FillinghamMadison

Cathy HarkinsJackson

Selena LovejoyJackson

Gary ParkerJackson

Dee DentonJackson

Melinda DeesJackson

Ric CortsHattiesburg

Ric CortsHattiesburg

Karen GlassGulfport

Megan HallJackson

Beth HansenJackson

Joan FergusonHernando

Lee GarlandJackson

Cathy FeltensteinMeridian

Tommy MorganTupelo

Ellen ShortTupelo

Jean AmosStarkville

Andrea CumminsOxford

Andrea CumminsOxford

David StevensClinton

Janice ShowsMadison

Charlotte SadlerGulfport

Janice ShowsMadison

Larry EdwardsRidgeland

Larry EdwardsRidgeland

Judy GlennCorinth

Bruce KammerPicayune

Randy KnouseRidgeland

Joe StedmanNatchez

Ernie ClarkBrookhaven

Ernie ClarkBrookhaven

John Dean Jr.Leland

Sue StedmanNatchez

Andy StetelmanHattiesburg

Lisa HollisterBiloxi

Lisa HollisterBiloxi

President’s Circle

Golden $5000

Crystal $2500 Sterling $1000

Chris WilsonLaurel

Chris WilsonLaurel

Nell WyattRidgeland

Noggin WildMcComb

Carol Stewart Canton

Dorothy ThompsonJackson

Jo UsryJackson

Vickey WardJackson

Mark CumbestMoss Point

David GriffithCleveland

Amelia LovornOlive Branch

Terry WinsteadMeridian

Corie HaynesHernando

Gloria Clyatt Madison

Ashley Endris Gulfport

Jackson Association of REALTORS®MLS of Jackson

Larry WebbOlive Branch



2014 Fair ShareInvestment Form

Amount:___ Other___ $25 (Fair Share, Salespersons)___ $99 (Fair Share, Brokers)___ $250 (Magnolia Club)

___ $1,000 (Sterling R)___ $2,500 (Crystal R)___ $5,000 (Golden R)

Contributions are not deductible for Federal income tax purposes. Contributions to RPAC are voluntary and are used for polit-ical purposes. The amount indicated is merely a guideline and you may contribute more or less than the suggested amount.The Association will not favor or disadvantage anyone by reason of the amount of their contribution, and you may refuse tocontribute without reprisal by the Association. Seventy percent of each contribution is used by the State PAC to support stateand local political candidates. The other thirty percent is sent to the National RPAC to support Federal candidates and is chargedagainst your limits under 2 U.S.C. 441a.

Name (print clearly)

Firm Name

NRDS#

Address

City Zip

Work Phone

E-Mail

FOR CREDIT CARD CONTRIBUTION___VISA ___MC Amount $_______________

Card#

Exp. Date

Signature (required)

Mail this form with payment to your local board/association orcontribute online at msrealtors.org.

Local Board MARPAC participation levelsAs of October 29, 2013 MARPAC reached 110.5% of its 2013 goal with$221,023.50 and 51.1% of its 51% Fair Share participation goal.

Biloxi-Ocean Springs 52.7%

Clarksdale 66.7%

Cleveland 38.1%

Four County 21.2%

Golden Triangle 54.9%

Greenville Area 59.5%

Greenwood 60.5%

Grenada 105.9%

Gulf Coast 53.5%

Hattiesburg 59.8%

Jackson 40.4%

Laurel 60.8%

Meridian 70.9%

MAR 600.0%

MCAR 72.9%

Natchez 36.8%

North Central 32.5%

Northeast 56.8%

Northwest 65.1%

Pearl River 54.5%

Southwest 68.2%

Vicksburg 30.2%

Total Participation 51.1% 100%

Fair

Shar

e Pa

rtici

patio

n Go

al

Save the Date / Thursday, February 6thJoin with other REALTORS® at the Mississippi State Capitol to meet face to face with your state lawmakers, hear a legislative

update and help honor MAR’s 2013 Legislators of the Year. The Capitol events will be followed with our annual Legislative luncheon at the MAR Building on Lakeland.

State Capitol, Downtown Jackson8:30 am – 9:30 am Check-in/Doughnuts and Coffee 1st Floor Rotunda9:30 am –10:00 am Legislative Briefing Old Supreme Court Chambers, Rm 21610:00 am –10:30 am Guest speakers and Legislators of the Year Awards Presentation Old Supreme Court Chambers, Rm 21610:30 am –11:30 am Meet with your Legislators

MAR Building, Lakeland Drive in Jackson11:30 am – 12:45 pm Political Advocacy Luncheon

To join us for REALTOR® Day at the Capitol, please register by Monday, February 3rd athttp://msrealtors.org/Events/REALTORDay.php. There is no charge for this event.



Magnolia Club $250 - $999Deborah Benoit, CarriereLee Boyette, LaurelHeather Brett, StarkvilleCynthiadora Creel, GulfportAndrea Cummins, OxfordCharles Dawe, HattiesburgDee Denton, FlowoodChrista Estes, SaltilloDavid Griffith, ClevelandKeith Henley, TupeloKay Jefferies, SouthavenMartin Jones, GulfportBruce Kammer, PicayuneDeborah McGhee, SaucierBrenda O'Neal-Lambert,HattiesburgAllison Palmer, BrandonJocelyn Raimey, HattiesburgMelissa Rich, StarkvilleSandy Richardson, SouthavenDon Roberts, RidgelandMary Ann Roper, BrandonGregory Ryan, Olive BranchEdwin Scruggs, GermantownDanette Shaw, GulfportKenneth Smith, GautierAnn Todd, SenatobiaDon West, Columbus

99 Club $99 - $249Mike Adams, JacksonJohn Adamson, LaurelAlyce Alexander, GreenvilleCarlene Alfonso, GulfportMike Alford, TupeloAlbert Allegue, BiloxiJustin Allen, Ocean SpringsChad Anderson, TheodoreRobert Andrews, GreenvilleEleanor Ashley, AberdeenWallace Ashley, ClevelandJim Atchison, BiloxiStephanie Atkins-Arnett,StarkvilleMichael Austin, HernandoJoe Azar, GreenvillePatricia Bailey, LaurelSherwood Bailey, GulfportWilliam Bailey, RidgelandCharles Ball, ColumbiaRyan Ballard, MemphisJordan Bankhead, OxfordSusan Barnett, EllisvilleStacy Barr, MeridianJesse Barrilleaux, MadisonClayton Beard, MadisonWalter Becker Jr, JacksonCathy Beeding, Ocean SpringsRobert Belew, BiloxiLee Bennett, Bay St. LouisRandy Berg, BrandonDavid Berkley, BudeTracy Berry, TupeloErnestine Bilbrew, CantonSheila Bingham, Jackson

William Blair, ColumbusLisa Boudreaux, CarriereWalt Bowie, RidgelandEric Bradley, PicayuneEllis Branch, Ocean SpringsRay Branscome, GrenadaPeggy Branson, LaurelDixie Breithaupt, VicksburgWesley Breland, HattiesburgJerry Brewer, SenatobiaAlan Bridevaux, MccombW. Bridges, JacksonKatie Britton, WaynesboroKen Broom, HattiesburgAnn Brown, BiloxiTimothy Brown, JacksonStacy Bufkin, BentoniaSteve Bullard, BiloxiKenneth Burden, CordovaYvette Burns, PoplarvilleHugh Byrd, TaylorsvillePaul Campbell, VicksburgLeigh Ann Carkeet, OliveBranchHaley Carlson, HernandoTimothy Carlson, GulfportEugene Carothers, HattiesburgPhillip Carpenter, JacksonNedra Carter, LaurelBrett Cates, HattiesburgRosemary Chambliss, SouthavenTammy Chancellor, QuitmanBobby Clark, GreenwoodEmily Clemens, Long BeachRessie Cliett, West PointBetty Cline, Crystal SpringsDennis Coleman, ColumbusDanny Collins, MadisonGerald Collins, HattiesburgDon Commander, BiloxiJim Conerly, JacksonCynthia Conner, QuitmanTom Conner, Mc CombBill Cook, JacksonJudy Corts, HattiesburgJason Cousar, MemphisRichard Cowart, VicksburgTommie Criswell, ArlingtonRod Crosby, RidgelandStephanie Crosslin, SouthavenKelly Dabbs, MadisonJacki D'Alexander, OceanSpringsStanley Daniels, GulfportAnn Davis, ColumbusJulie Davis, BrandonMichael Davis, ColumbusRobin Davis, BiloxiJoanie Deas, GulfportMelinda Dees, MadisonTony DiFatta, MadisonJett Dorsett, LucedaleRon DuBard, GreenwoodCissie Dubuisson, GautierHerb Dubuisson, Bay St. LouisJ Dunbar, Hattiesburg

James Dunn, TunicaWalter Dunn, CordovaCarol Easley, MccombLameshia Edwards, RidgelandKeith Eilermann, GulfportElton Elkins, PurvisJohn Ellis, Pass ChristianKenneth Ellis, GreenwoodG. H. English, Ocean SpringsEdward Evans, LucedaleCheryl Fair, SouthavenLeslie Farmer, HattiesburgSherry Fischer, Water ValleyHal Fiser, ClarksdaleJohn Fiser, ClarksdaleMichael Flannes, JacksonJames Fleming, CarrierePatricia Fleming, MccombMartha Ford, PicayuneGary Fordham, HattiesburgSusan Foretich, GulfportMark Formby, PicayuneCecilia Forster, CrenshawMichelle Fradella, SlidellLindsey Francois, JacksonMarilyn Garbacz, FloraSue Gardner, TupeloLee Garland, BrandonMichael Garvey, HattiesburgPhilip Gattuso, HattiesburgRobert Gavin, NatchezRebecca Gill, BiloxiMeta Ginn, OxfordEris Giurintano, JacksonCarla Glasgow, AmoryJennifer Glass, Long BeachRicky Goforth, MeridianPhilip Good, MaconJeffrey Gooden, ClarksdaleTish Goodman, GreenwoodPaul Goodwin, MadisonJohn Graham, ButlerLinda Graham, MadisonBruce Gray, BrookhavenDarren Gray, GulfportTanya Gray, LaurelCharles Green, PascagoulaTony Greer, ClintonGregory Gresham, Holly SpringsMichael Guyton, TupeloVicci Hall, RidgelandDon Halle, GulfportPat Hamilton, MeridianBonnie Hankins, GrenadaRebecca Hanks, MemphisDoris Hardy, ColumbusDebby Harmon, TupeloCurtis Harrison, BiloxiCorie Haynes, HernandoHarry Hebert, GulfportWilliam Hessell, GulfportSean Hettinger, TupeloRaymond Heun, SouthavenWilliam Hewes, GulfportJerry Hillyard, Ocean SpringsEugenia Hines, Madison

Lyle Hobbs, BrookhavenVirginia Hodges, MeridianBeverly Hoge, ByramTanya Holland, ColumbiaWes Holsapple, MadisonD Holstein, BiloxiMelissa Honea, RidgelandSherry Hough, RayvilleYvonne Huddleston, JacksonPatricia Hughes, BiloxiLarry Hutchens, Olive BranchNancy Hutchens, Holly SpringsKenny Jackson, MeridianDarleen Jacobs, New OrleansMavis James, JacksonSandra Jeschke, GulfportCraig Joachim, Ocean SpringsOscar Johansen, BiloxiAna Johnson, GulfportCarole Johnson, SouthavenJoe Johnson, LaurelJon-David Johnson, CantonLawrence Johnson, MemphisMae Johnson, MadisonMichele Johnston, HernandoJay Jordan, GulfportJohn Kane, Bay Saint LouisCassie Kauerz, MeridianLaura Kelley, WaynesboroWalter Ketchings, GulfportGerald Kidd, MeridianBilly King, OxfordWilliam King, PetalVicki Klein, MadisonClifford Klousia, JacksonMalcolm Kretschmar, GreenvilleLorraine Krohn, GulfportKaye Ladd, TupeloChris Ladner, GulfportEverette Ladner, GulfportJeanette Ladner, GulfportDeborah Lancaster, PicayuneJimmy Langley, TupeloPamela Langley, PascagoulaStephanie Lawson, Olive BranchLeslie LeDoux, RidgelandRussell Lee, PicayuneVanessa Leech, VicksburgDick Leike, MemphisValerie G. Leoni, BiloxiElijah Lewis, D'IbervilleMisti Lewis, GreenvilleRicky Lewis, Horn LakeVernell Lewis, RidgelandDavid Lipscomb, VancleaveDebbie Little, MeridianSheila Little, JacksonGeorge Loden, TupeloFrank Loftis, ColumbusLeland Lott, HattiesburgSelena Lovejoy, BrandonLawrence Magdovitz, ClarksdaleGerard Maher, Ocean SpringsCynthia Mahner, WavelandJeanie Malouf, JacksonMichael Marcellus, D'Iberville

Pat Marcellus, GulfportJackie Marks, GulfportJeffrey Martella, BrandonBobbie Martin, JacksonConrad Martin, JacksonDavid Massey, OxfordCherie Matthews, OxfordDean Mavar, Ocean SpringsAudrey McBride, StarkvilleMary McCabe, GulfportM.L. McCarty, ColumbusJoy McClinthen, PachutaPatricia McClure-Smith, OxfordStephanie McConnell, Bay SaintLouisLevi McCraney, GreenvilleJoshua McCrory, BrandonJason McDerment, LucedaleHarold McGarrh, GreenvilleRick McGill, ColumbusJimmy McKay, MadisonBeth McLellan, KosciuskoA. J. McMurphy, BiloxiMike McPhail, Water ValleyRobert Merrick, New OrleansMark Mitchell, AmoryDonna Moak, BrandonConnley Moak, Jr., BrookhavenAlbert Moore, PearlJames Moore, OxfordBobby Moorehead, RidgelandRenee' Moore-Smith, BrandonAlfred Moran, Ocean SpringsHenry Mosco, ClevelandJonnette Moss, MadisonAnn Motz, SouthavenThomas Muir, Jr., RipleyDina Naron, LucedaleFabian Nelson, RidgelandDeborah Nettles, StarkvilleJohn Newell, MadisonBetty Newman, JacksonNicole Nezat, BiloxiJames Nixon, StarkvilleArthur Noble, MadisonGena Nolan, SaltilloSollie Norwood, JacksonBilly Nowell, ClevelandBrenda Null, SumrallSylvia Nutt, RaymondJ. Neal Olive, D'IbervilleJames O'Neal, MoorevilleMartin O'Neal, MchenryJames Overstreet, GulfportKeiko Palmero, GulfportRobert Pearson, HoustonGlenn Pennington, PrentissVan Peters, ShannonJeffrey Phillips, BiloxiDennis Pierce, HattiesburgR. Pierce, MadisonJeremy Pierpont, BiloxiRobert Pigford, MeridianJudy Pippin, PicayuneJames Platt, Moss PointBarbara Pope, Columbus

Successful REALTORS® who are committed to investing their fair shareAs of October 1, 2013



Vic Porter, GulfportPam Powers, OxfordJohn Praytor, RidgelandFrankie Prescott, New AlbanyJohn Proctor, RidgelandSteven Purvis, VicksburgWilliam Purvis, GulfportTonya Quinn, West PointLevell Reed, MeridianSusan Reed, Ocean SpringsWythe Rhett, ColumbusGail Riddick, DrewJon Ritten, DiamondheadMartin Rivers, GulfportCurtis Robinson, JacksonFlorence Robinson, PicayuneTeri Rodriguez, ClintonDonna Ross, West PointSue Ruby, MemphisRoddy Rumbley, MadisonDouglas Rushing, TylertownCheryl Russell, BrandonTammy Russell-Smith,MonticelloGlenn Sable, ClintonPatti Sanders, NatchezBeverly Sarrett, FlowoodChrista Saulters, HattiesburgGerald Savner, Long BeachEarline Sawyer, GulfportRandall Saxton, MadisonJohn Schaff, New OrleansJ. Daniel Schroeder, BiloxiJanice Scott, TupeloMiriam Seale, HattiesburgKim Seaman, PascagoulaBillie Shaw, MadisonMaryAnn Simoneaux, MagnoliaBobbie Simpson, MadisonJackie Sims, GreenwoodLarry Sims, LaurelBetsy Smith, BrookhavenCorey Smith, PicayuneDiane A Smith, OxfordJames Smith, HattiesburgJoey Smith, ColumbusRay Smith, SummitRobert Smith, RichlandThomas Smith, MadisonMargie Smithson, Olive BranchLeland Speakes, ClevelandJeff Speed, RidgelandAllison Spencer, HernandoBecky Stacy, JacksonRandy Stark, MemphisJoe Stedman, NatchezAndrew Stetelman, HattiesburgBetty Stevens, GlosterKimberly Stevens, StarkvilleJanet Stockwell, GulfportDebbie Stovall, SummitRichard Stratton, LibertyJames Stroo, HattiesburgSissy Strunk, PascagoulaDawn Stuit, PoplarvilleSaun Sullivan, Denham SpringsTanya Swoope, BiloxiTommy Tate, ColumbusJoyce Taylor, MadisonTena Taylor, OxfordRichard Teague, PicayunePhillip Thames, Monticello

Leland Thomas, PicayuneMarques Thomas, OceanSpringsTerry Thomas, HernandoSandra Thompson, JacksonWayne Thornton, VicksburgLisa Tillotson, VicksburgLinda Toche, Ocean SpringsSusan Tolar, BiloxiBen Tomlinson, RipleyChad Tompkins, MadisonJoe Toms, MeridianO. B. Triplett, ForestGary Troescher, CarriereWilliam Troxler, TupeloJoy Tucei, GulfportBeth Tyson, BiloxiThomas Underwood, JacksonAndrea Upchurch, VicksburgLawrence Vaughn, ClevelandJerry Vernon, JacksonDaniel Walker, Olive BranchGwendolyn Walker, OxfordVickey Ward, ByramMark Warren, RidgelandSanford Warren, JacksonCatherine Warriner, JacksonLuAnn Watkins, PicayuneShorty Watkins, GermantownDorothy Watson, StarkvilleWesley Webb, TupeloPeter Weidlein, BruceStanley West, AmoryBarry Weyland, GulfportChris Wheeler, RidgelandJim Wheeler, BiloxiBetty White, LaurelDonald White, JacksonHarold White, MeridianLisa White, JacksonWilliam White, MccombBrian Whitton, ClintonSue Wilkinson, BrandonBailey Williams, CorinthBoyd Williams, MeridianSandra Williams, TunicaAmy Wood, Pass ChristianBarry Woodward, MadisonTabitha Wroten, Vidalia

Other InvestorsMarilyn Abadie, Mc CombRenee' Abbenante, GulfportRobert Abbenante, OceanSpringsJanelle Abbott, GulfportJudy Abide, BiloxiStephanie Ables, Ocean SpringsVanessa Ables, RidgelandCharles Acklin, MchenryBarbara Acree, GermantownTanna Adam, DiamondheadAmy Adams, JacksonDeborah Adams, CollinsvilleJeffrey Adams, MccombKaren Adams, WallsKelly Adams, MccombTanja Adams, JacksonBarbara Adamson, LaurelAngelia Adkins, GulfportShirley Agner, SouthavenJohn Albano, Gautier

Tammy Aldridge, Olive BranchBrad Alexander, WigginsHarry Alexander, OxfordLashanda Alexander, MadisonAndy Alfonso, Ocean SpringsJo Ann Alford, RidgelandAlison Alger, AbbevilleAli Allday, HattiesburgDee Allegue, BiloxiBarbara Allen, BiloxiDarlene Allen, Ocean SpringsMichael Allen, HattiesburgLinda Allgood, OxfordBrent Allison, Bay St. LouisTimothy Allred, MeridianDale Alsup, SenatobiaNancy Amacker, HattiesburgJoseph Amadeo, BiloxiJean Amos, StarkvilleMichelle Amos, StarkvilleTiffany Amos, FlorenceBill Anderson, MadisonDavid Anderson, PontotocEvelyn Anderson, Ocean SpringsJoree Anderson, BrandonJudith Anderson, HernandoLarry Anderson, Red BanksMichael Anderson, HattiesburgMike Anderson, SouthavenMichael Anderson, Jr.,BoonevilleJesse Andrews, TylertownMary Andrews, ColumbusSissy Andrews, GulfportTracey Andrews, MadisonStephanie Anglin, GulfportBernard Armstrong, SouthavenJames Armstrong, BiloxiEllen Arnold, Ocean SpringsGene Arnold, PascagoulaJohn Arnold, VicksburgSandra Ashford, RidgelandJoyce Asken, BrookhavenJudy Atherton, GulfportBecky Austin, HernandoKen Austin, Pass ChristianPhyllis Austin, GreenvilleRickey Authement, OceanSpringsStephanie Avant, GreenwoodCal Aycock, GermantownVirgie Azar, GreenvilleSherry Azordegan-Veal,MadisonStacy Babb, CarriereLester Bacon, BrandonChristy Bailey, MeridianJames Bailey, ColumbusKimberly Bailey, Ocean SpringsLeigh Bailey, RidgelandKay Baird, West PointGloria Baker, Yazoo CityElizabeth Balder, Bay St. LouisJames Ball, VicksburgEdith Baltar, GulfportValerie Bamburg, D'IbervillePearl Banks, GautierPatricia Barnes, SouthavenAnita Barnett, Holly SpringsRobin Barnett, TupeloChad Barnette, SouthavenPamela Barr, Madison

Susan Barrett, CantonBecky Barron, BrookhavenTamela Bartee, SaltilloWayne Bartley, Olive BranchJennifer Barton, FlowoodCarl Bass, JacksonJanie Bass, RidgelandGlen Bates, GulfportMelissa Bates, SouthavenElizabeth Batkie, Olive BranchDennis Baum, HattiesburgGregory Baumgartner, BiloxiBret Baxter, FlowoodJeanne Baxter, Bay Saint LouisShellye Beach, RidgelandCindy Beard, BatesvilleBarry Becker, CantonMary Marr Beckman, OceanSpringsSarah Beets, LaurelFloyce Beevers, JacksonDebra Bell, JacksonLisa Bell, TupeloTracy Bell, MeridianLauren Benner, RidgelandBradley Bennett, SouthavenPatricia Bennett, HattiesburgRhonda Bennett, GulfportKim Best, JacksonJohn David Bethea, FlowoodMatthew Bierwagen, GulfportRobert Bilbrew, CantonJanell Billiot, PicayuneKimothy Billiot, BoonevilleJillean Bishop, VicksburgAl Bishop, III, BrandonCindy Black, SaltilloSusan Blackledge, LaurelPaul Blacksmith, GulfportBrenda Blackwell, HattiesburgVicki Blackwell, MemphisGary Blair, BrookhavenLaSonya Blankenship,GermantownSusan Blanton, SouthavenAlanna Bledsoe, PontotocJe'Nell Blocher, Ocean SpringsDeborah Blocker, MeridianHarold Blossman, MccombDavid Blount, JacksonJane Bobitt, ClevelandBridget Boehm, BiloxiBill Boggan, BrandonLydia Boggan, RidgelandBobby Boland, HernandoPamela Boland, ColdwaterMarquitta Bolden, MadisonMelanie Bolden, Olive BranchJanice Boling, BrookhavenBrian Bolis, GulfportShelly Bookwalter, Olive BranchJames Bosco, BiloxiJudy Boudoin, WavelandMel Bounds, MeridianTrudy Bounds, HattiesburgCookie Bourdene, MadisonDavid Bourdette, BiloxiLeLinda Bourgeois, BiloxiLisa Bourgoyne, BrandonKevin Bourn, JacksonNancy Bourn, JacksonSarah Bowdon, Hernando

Curtis Bowie, GreenwoodJackie Bowman, GrenadaLori Box, GreenwoodCynthia Boyer, SouthavenJafet Boykin, Ocean SpringsJason Boykin, Ocean SpringsShannon Boykin, BiloxiNell Boykin-Tadlock, ForestMichael Boyle, FlowoodLori Bragg, MadisonLex Brame, GulfportJames Brand, Ocean SpringsRaye Brandon, Ocean SpringsCassandra Brannon, StarkvilleLeslea Brant, NesbitJames Brantley, BrandonSusan Brashier, LaurelMelissa Breedlove, BrandonBrian Breithaupt, VicksburgStacy Breland, GulfportElaine Brewer, BrookhavenHarriet Brewer, RidgelandLinda Brewer, SenatobiaJanan Brewington, BiloxiArthur Brickey, Olive BranchDavid Bridges, JacksonDebby Bridges, MadisonGregory Bridges, TupeloLoris Bridges, Ocean SpringsEric Briscoe, Olive BranchJames Briscoe, JacksonBecky Brister, RidgelandBettie Britt, HernandoCraig Britt, Olive BranchGinger Britt, HernandoCynthie Britton, BiloxiJoseph Britton, WaynesboroScott Britton, JacksonAl Brock, GreenvilleBecky Brooks, GulfportTeresa Brooks, StarkvilleBrandon Brown, JacksonCynthia Brown, StarkvilleFosta Brown, MemphisJason Brown, HattiesburgJennifer Brown, TupeloJohn Brown, RidgelandJulia Brown, RidgelandMimi Brown, Pass ChristianOscar Brown, SenatobiaRonald Brown, HattiesburgRyan Brown, JacksonSusan Brown, MadisonKurtis Brumfield, SummitKathy Bryan, MadisonLisa Bryan, SouthavenSheri Bryan, MadisonJoe Bryant, HattiesburgKaren Bryant, ColumbusSharon Bryant, PicayuneSara Buchanan, MadisonTressie Buckhaulter, JacksonPatricia Buckner, StarkvilleGuy Bufkin, Bay St. LouisPeggy Bullion, HattiesburgAlaina Bullock, GulfportCecilia Bullock, JacksonCheryl Bullock, GautierKay Bullock, BoyleKathryn Bumgarner, RidgelandJohn Bunch, GreenwoodMary Bunch, Perkinston



Karen Bunker, SouthavenJason Burch, Olive BranchBernita Burden, GreenvilleMichelle Burford, RidgelandRobyn Burgardt, ClintonJames Burge, PicayuneRosiland Burge, HattiesburgShelly Burklow, GulfportJulie Burks, HattiesburgLisa Burnett, SouthavenRhonda Burnett, MadisonBrent Burns, SouthavenCharlene Burrage, PelahatchieJames Burrow, ByhaliaPatricia Burton, GreenvilleSusan Burton, RidgelandDodie Busby, D'IbervilleJodi Busch, GulfportDeborah Bush, StarkvilleMarilyn Butcher, MemphisNancy Byrd, RipleyWilliam Byrd, OxfordSabra Cable, SouthavenMyrtle Cain-Berry, HattiesburgAngel D Callahan, MeridianHarris Callum, RidgelandChristine Cameron, FlowoodBetty Campbell, SaltilloGreyson Campbell, MccombJudith Campbell, SouthavenPatricia Campbell, OceanSpringsRobin Campbell, AmoryTara Campbell, MccombWilliam Campbell, RidgelandRandy Cannon, Olive BranchSierra Cannon, OxfordVincent Cannon, OxfordCarole Cantrell, BrandonJacob Cantrell, TylertownDavid Cargill, HattiesburgKim Cargill, HattiesburgAlyssia Carlisle, GulfportAlan Carlson, SumrallLaura Carman, MadisonPeggy Carman, MadisonBobby Carney, ColumbiaChamberlan Carothers,HattiesburgDiane Carpenter, GulfportWayne Carpenter, OxfordCindy Carr, TupeloStacy Carroll, TupeloWilliam Carruth, BrandonChristina Carson, BiloxiJames Carson, JacksonJennifer Carson, StarkvilleJacob Carter, GulfportJames Carter, RuthJames Carter, BiloxiJanie Carter, JacksonKaren Carter, HernandoTeleah Carter, ColumbusRandy Cartwright, OceanSpringsEllen Carty, HattiesburgTimothy Casano, GulfportMichael Casavechia, GreenvillePatricia Cash, DiamondheadPamela Caston, SouthavenMichael Cates, NatchezDeanea Causey, Smithdale

Jan Cauthen, OxfordDonald Caylor, GermantownVictoria Chambers, GulfportDonald Chambliss, SouthavenSuzanne Chambliss, OliveBranchKaren Chance, Ocean SpringsDanny Chandler, RidgelandLouis Chandler, HoustonLoretta Chapman, FlowoodRon Chapman, RidgelandSusan Chapman, PontotocCynthia Chappelear, MadisonBrenda Chapuis, SaucierLynn Chapuis, SaucierMillicent Charbonnet, LongBeachBarry Chatham, HernandoShannnon Chatham, PachutaAnthony Chatman, GulfportSyliner Chewe, PontotocKaren Chewning, Ocean SpringsAmy Chicorelli, ClevelandAmanda Childers, Holly SpringsKelly Childs, DiamondheadReggie Childs, GulfportSharon Chiniche, GulfportKathy Chism, SaltilloMiriam Chong, BiloxiChris Chrestman, Olive BranchKay Chudy, MadisonGiuseppe Cigliola, OceanSpringsBambi Clark, GulfportErnie Clark, BrookhavenRoger Clark, Pickwick DamMichele Clarke, BiloxiMechelle Clark-Landrum,RidgelandRobert Clay, ColdwaterAmy Clay (May), ColdwaterLauren Cleary, OxfordMark Cleary, OxfordBarry Clemmer, JacksonAllison Cleveland, TupeloPaula Clifford, Ocean SpringsDiane Clift, MadisonEmma Clingan, TupeloMary Clisby, Ocean SpringsMary Clopton, BrookhavenGloria Clyatt, MadisonCurtis Cobb, New AlbanyLaurie Cobb, MeridianMike Cobb, Ocean SpringsVickey Cobb, MarionRachel Cochran, D'IbervilleFrances Coffin, LaurelDavid Coggins, TupeloGinger Coggins, GermantownJonathan Colbert, JacksonLeigh Colbet, GulfportLouise Cole, TupeloRacheal Cole, MadisonCandy Coleman, LibertyChassity Coleman, JacksonJane Coleman, PicayuneJohn Coleman, SouthavenKecia Coleman, Olive BranchRenae Collier, GulfportTrisha Collier, MeridianDena Collins, TupeloDottie Collins, Greenville

Margaret Colson, NatchezMatthew Colvin, MadisonKatina Comans, VicksburgPaola Conner, MadisonGale Cooley, LaurelCharles Coombs, BlueMountainJackie Coombs, CorinthJohnnie Coombs, BlueMountainLuci Cooper, FlowoodMyssi Cooper, RidgelandRobert Corey, MeridianSteve Corey, MeridianMisty Corts, HattiesburgRichard Corts, HattiesburgChanda Cossitt, TupeloDonna Costello, MeridianNorma Cother, TupeloBrian Couch, HernandoMatthew Couch, MadisonLee Countryman, GautierPatricia Courtney, OceanSpringsTroy Courtney, FlorenceBuck Covington, MadisonChristie Cowart, MobileStephanie Cowart, GulfportPam Cox, MadisonCheryl Cranford, HattiesburgClay Crawford, SaltilloKatherine Crawford, VicksburgSharon Crawford, D'IbervilleStephen Crawford, Bay SaintLouisTeresa Crawford, SouthavenReatha Crear, VicksburgMindy Creech, GermantownSusan Crell, Holly SpringsJoe Crenshaw, HernandoJodie Critzer, Long BeachKrista Croney, PicayunePatricia Crosby, Ocean SpringsArlen Crotchett, BrandonPaula Crum, OxfordDonna Crump, Moss PointMonica Cryer, MeridianBethany Culley, FlowoodMark Cumbest, Moss PointSearcy Cunningham, GreenvilleChris Curlee, MageeLinda Curlee, MageeShirley Curry, TupeloTodd Dabbs, MadisonSterling Dahl, StarkvilleSandra Damers, BiloxiMaureen Daniels, GulfportRebecca Daniels, GulfportSonny Daniels, HernandoRaymond Dauenhauer, GulfportGaines Daughdrill, CentrevilleDavid Daugherty, BiloxiBill Daves, GreenwoodJennifer Davi, GulfportAnthony David, BiloxiAlthea Davis, FlowoodBonnie Davis, HattiesburgBrooke Davis, Olive BranchCarole Davis, RidgelandCindi Davis, SouthavenDebbie Davis, ClevelandJill Davis, Madison

Kimberly Davis, LucedaleKristyn Davis, ColumbusMae Beth Davis, SouthavenRobert Davis, BoonevilleSherry Davis, BrookhavenLisa Davis Wills, Summer Davis-Inman, OceanSpringsMichael Dawkins, OxfordTruman Dawson, CorinthFrank De Coito, GulfportJean Deal, PicayuneDouglas Dean, TupeloJohn Dean, LelandMarion Dean, LelandBeth Ann DeAngelis, NatchezRussell Dearman, MadisonJenifer Decker, TupeloNancy DeFazio, BiloxiRobin DeLano, BiloxiScott DeLano, GulfportFrances Dempsey, TupeloCharles Denson, BoltonMary Frances Denton, FlowoodRodney DePriest, JacksonMargaret Derryberry, BrandonNannette DeShazo, SouthavenAngela Deskewies, Olive BranchRobyn Dethlefsen, CantonEdwin Diez, MadisonJeffrey Dillon, RidgelandTrae Dilworth, Olive BranchJanice Dipaola, MadisonKendra Dismukes, ColumbusKathy Do, BiloxiLeslie Dobbins, Ocean SpringsMary Dobsch, Horn LakeTeena Dodd, ColumbusJanine Donelon, GulfportTracey Dooley, MeridianNancy Dorroh, Ocean SpringsAli Doss, BrandonWilliam Doughty, Jr., StarkvilleRachel Douglas, PetalKevin Dowell, Olive BranchCarol Downing, HattiesburgMartha Drake, JacksonWinston Drake, FlowoodDeQuan Drane, GulfportRegina Druetto, BatesvilleLauren Drummond, D'IbervilleBetty DuBard, GreenwoodKen Dubard, GreenwoodJim Duckworth, MagnoliaKimberly Dudley, HattiesburgStacy Duff, HattiesburgKathryn Duncan, HattiesburgNikki Duncan, RidgelandTravis Dunn, GreenwoodLynn DuPont, PicayuneSue Durbin, BiloxiCarolyn Duren, MadisonLou Ann Durfey, MadisonNita Durrell, MadisonMargaret Duval-Scharwath,HattiesburgDebra Dye, Olive BranchMarshall Dye, Olive BranchSusan Dye, Olive BranchJanice Easom, NatchezRichard East, Bay Saint LouisBrenda Easter, Southaven

Joseph Edenfield, GulfportAmanda Edwards, StarkvilleLarry Edwards, RidgelandSandra Edwards, Ocean SpringsAndrew Eiland, PascagoulaJenee' Eilermann, GulfportPatricia Elam, TupeloBelinda Elder, FlowoodKathy Elias, GulfportSandra Ellard, NatchezJames Ellington, KosciuskoFay Ellis, SouthavenMelissa Ellis, BrandonShannon Ellis, JacksonJennifer Elmore, BiloxiJonathan Elmore, BrandonSue Elmore, OxfordBowdre Emerson, HernandoAshley Endris, GulfportRichard Engel, VicksburgChad Engelke, SouthavenEd Engelke, SouthavenJim Engle, MadisonPhyllis Enis, ColumbusBrenda Estes, TupeloSherry Ethridge, Pass ChristianBrenda Eubanks, SouthavenJanice Eubanks, LucedaleDeloris Evans, VicksburgDemetrese Evans, TerryCynthia Everett, GautierDouglas Everett, HattiesburgSheri Everett, HattiesburgHarriott Expose, MadisonDolores Fairley, HattiesburgChristopher Farm, Olive BranchSarah Farr, New AlbanyDottie Farris, HattiesburgStella(Joan) Farrow, ByhaliaBea Farruggio, BiloxiCrystol Faskell, ArlingtonJohn Fasler, BiloxiCrystal Fayard, Ocean SpringsPamela Fayard, GulfportCathy Feinstein, MeridianDavid Feldman, SummitCaroline Felker, OxfordBronwen Fell, Long BeachDesmond Felsher, GulfportBrad Feltenstein, OxfordCathy Feltenstein, MeridianDenman Ferguson, CantonJoan Ferguson, HernandoJudi Ferguson, SenatobiaCarmen Ferro, DiamondheadBridget Ferrucci, Ocean SpringsMelissa Field, CentervilleSusannah Fielder, FlowoodOlivia Fight, BrandonLynn Fillingham, MadisonWillis Finley, JacksonPaul Fischer, Water ValleyRobert Fisher, BrookhavenKirby Fleming, MccombMary Fleming, CarriereSally Fletcher, JacksonPaul Flood, JacksonPeter Flood, JacksonVicky Flores, Olive BranchKimberley Flowers, VicksburgMarilyn Flowers, GrenadaLaine Flynn, Ridgeland



Debra Fokakis, HattiesburgTripp Folk, Olive BranchMartha Fondren, HernandoEvelyn Ford, GulfportSam Ford, GulfportMerri Fortenberry, ColumbiaGloria Fortinberry, TylertownJason Fortinberry, OsykaLinda Fortune, Olive BranchWin Foshee, RidgelandSynthia Foster, FlowoodKelly Frady, ColumbusAmanda Franklin, VancleaveKevin Franks, TupeloTiffany Franks, TupeloSharmaine Frazier, ColumbiaVicki Freeze, MadisonMary Frelix, ColumbiaBill French, ByramSandra French, Ocean SpringsTheresa Friday, MadisonMaryAnn Frisella, GulfportKimberly Fritz, Ocean SpringsCliff Frohn, Des MoinesJamie Frye, MeridianCarrie Fuller, OxfordDianne Fuller, BrandonDenise Furr, JacksonCassia Gabbert, GulfportSusan Gaffney, Pass ChristianSue Gallaspy, HattiesburgJerry Gardner, ClarksdaleMark Gardner, SouthavenHeather Garner, ColumbusMonica Garner, Mc CombPeggy Garrison, SouthavenBetty Gast, MeridianCarole Gaston, StarkvilleKimberly Gattuso, HattiesburgTrista Gaughan, HernandoWendy Gay, HattiesburgOlivia Gerald, StarkvilleR. Geoffrey Germany, OxfordAlfredo Giacometti, TupeloGianna Giambelluca, BiloxiChip Gibbes, SummitGrady Gibbons, BrandonPatrick Gibson, GulfportJennifer Gill, GulfportRachel Gill, ClintonMaureen Gillespie, GermantownConstance Gilley, SaltilloTheresa Gillis, RidgelandMargaret Gilmer, VicksburgRonald Gilmore Jr, RidgelandGale Gilpin, GulfportSkipper Giordano, RidgelandFelix Girod, RidgelandMelissa Gist, SouthavenKaren Glass, GulfportRoger Glass, GulfportJudy Glenn, CorinthMichael Gnadt, GulfportKaren Godfrey, ClintonJeri Goff, PascagoulaMichael Goff, BrandonRyan Goldin, GulfportLisa Gollott, Ocean SpringsSue Golmon, TupeloBrian Gomillion, Walnut GroveMichael Gonzalez, SouthavenJanelle Good, Macon

Jennifer Goode, CantonRebecca Goodell, ColumbusKrista Goodhart, GulfportMariela Goodman, OceanSpringsKimberly Goodson, MadisonTia Goodwin, TupeloJanna Gordon, Olive BranchKhylah Goree, JacksonRita Goss, BrookhavenDavid Gosselin, MadisonDanny Gowen, HernandoSharon Grace, OxfordJames Graeber, ClarksdaleTiffany Gragg, HattiesburgDiane Graham, RidgelandHazel Graham, BrandonKristy Graham, MeridianMark Graham, HattiesburgJohnny Grant, RidgelandFrancesca Grasse, OceanSpringsLisa Graves, New OrleansPatricia Gray, HattiesburgDanny Grayson, NatchezJohn Greco, GreenvilleDonna Green, RidgelandElizabeth Green, LaurelKellie Green, HattiesburgP Glenn Green, NatchezRichard Green, HattiesburgMarilyn Greene, MeridianMelissa Greer, TupeloPatricia Greer, GermantownAshley Gregoire, GulfportSue Gregory, GrenadaDanny Grehan, Horn LakeChip Grenn, HattiesburgDani Griffin, BrandonKim Griffin, BrandonSusan Griffin, TupeloAnita Griffith, ClevelandFrances Grimes, GautierJackie Grimes, GulfportValerie Grubbs, HattiesburgVictoria Gryder, BiloxiJanice Guckert, RidgelandPatti Guerry, ColumbusBetty Fay Guice, GulfportJacob Guice, GulfportMalinda Gullick, Olive BranchBarbara Gunn, Horn LakeBecky Gunter, ColumbusJames Gurley, AmoryCrystal Gustafson, GrenadaKathy Gustafson, HernandoOrlando Guzman, BiloxiCarolyn Gwathney, Cedar BluffKenan Gwin, NatchezJacqueline Haarala, MeridianStephan Haas, Bay Saint LouisKimberly Hager, GulfportIrvin Hailey, StarkvilleSam Haire, SouthavenAlbert Haley, SouthavenJohn Hall, DiamondheadKaren Hall, ColumbusMegan Hall, RidgelandRodney Hall, MadisonStephanie Hall, FlowoodKaren Hamilton, MeridianJerry Hanberry, Sumrall

Brian Hancock, SouthavenWilliam Hankins, JacksonKimberly Hanna, SouthavenTodd Hannaford, TupeloBeth Hansen, JacksonRichard Hansen, GulfportCarol Hardison, MadisonCathy Harkins, JacksonErin Harkins, WavelandRebecca Harlan, GulfportOla Harley, ScoobaJan Harlow, LaurelAmanda Harpole-Snowden,MeridianJudy Harrell, VicksburgRobin Harrigill, MadisonJohn Harris, Bay Saint LouisLeslie Harris, GautierMelanie Harris, GreenwoodCharles Harrison, BiloxiGale Harrison, Olive BranchTommy Harrison, OxfordBridget Hart, MccombRhonda Hart, BrookhavenAndrea Harter, Ocean SpringsBobbie Hartfield, HattiesburgPatty Hartman, BrookhavenAlton Harvey, TylertownAngela Harvey, Mc CombCandace Hasan, Long BeachDiane Haskett, HernandoJimmy Hatchett, MemphisDerek Havard, FlowoodLee Havens, ClevelandBarbara Haviland, OceanSpringsKeegan Hawkins, CarriereMarcus Hawkins, GreenvillePam Hayden, MadisonSusan Hayes, SouthavenIdella Haynes, HernandoDavid Haynie, OxfordJames Head, GulfportJames Head, BiloxiTori Heard, MadisonAussie Hearron, JacksonWaurene Heflin, TupeloJoey Hemby, ByramStuart Hemphill, MccombLinda Henderson, FlowoodRosemary Henderson, BrandonLisa Hendrix, ByhaliaAmanda Hendry, BiloxiSusan Henslee, BrandonClayton Hensley, RidgelandPenny Henson, Olive BranchCarola Herrmann, GulfportWilliam Hester, LaurelBill Hetrick, ClintonVan Hibbler, Olive BranchJenifer Hickman, Ocean SpringsLisa Hickman, MeridianDustin Hill, MeridianJulia Hill, MadisonNorma Hill, PetalVicki Hill, TupeloWilliam Hill, HernandoChad Hirn, RidgelandJames Cliff Hodgetts, SouthavenThad Hoke, DiamondheadJulie Holcomb, TupeloCarolyn Holderfield, Horn Lake

Rita Holley, MeridianGloria Holliday, TupeloGeraline Holliman, ColumbusDeanna Hollinger, OxfordLisa Hollister, PascagoulaJeanette Hollowell, OliveBranchPhilip Holman, JacksonBonnie Holmes, BrookhavenEdwin Holmes, MadisonJames Holmes, HattiesburgMargaret Holmes, PascagoulaCindy Holt, RidgelandGerald Honea, MagnoliaAndy Hood, MadisonCarl Hoover, Olive BranchPaul Hopper, RidgelandJessie Hornback, Yazoo CityCarol Horne, TupeloKristi Horne, MadisonEllen Horton, ClintonDick Houghton, Ocean SpringsBrenda Housley, HattiesburgDebbie Houston, GrenadaKelly Howard, MadisonFrank Howell, ColumbusMary Jo Howes, BiloxiAshley Howie, FlowoodChristine Hudson, VancleaveLana Hudson-Cole, BrandonRoyce Hudspeth, ColumbusSharon Hudspeth, ColumbusGeorge Hughes, BoonevilleGeri Hughes, GulfportJill Hughes, SummitSue Humphreys, BrandonJulie Hunger, PicayuneBailey Hunt, SenatobiaEva Hunter, MadisonThomas Hurdle, OxfordTommye Hurtt, FlowoodCharles Hutcheson, MeridianMarie Hutcheson, MeridianMary Lou Hutchinson,CollinsvilleTamara Hutton, BrandonJane Hyde, RidgelandNancy Iles, NatchezCheryl Infante, Ocean SpringsJoey Ingram, FlowoodRandy Inman, BrandonSandra Irby, BrandonBetty Jo Ison, HattiesburgAlicia Jackson, VancleaveEric Jackson, MeridianIrene Jackson, MadisonJames Jackson, GreenwoodMary Jackson, ClevelandSheila Jackson, JacksonTeresa Jackson, RidgelandTrey Jackson, FlowoodVirginia Jackson, MeridianJudith Jacobs, PearlDawne Jakubik, Ocean SpringsCharisa James, ByramGwen James, HattiesburgBryan Jameson, MadisonPat Jefcoat, HattiesburgJohn Jenkins, JacksonLee Jenkins, Ocean SpringsMarshall Jenkins, SaltilloMartin Jenkins, Meridian

Nan Jenkins, SouthavenRita Jensen, BrandonCynthia Joachim, BiloxiElizabeth Joachim, OceanSpringsWarren Johansen, HernandoBeverly Johnson, MagnoliaCecil Johnson, CarriereChris Johnson, Ocean SpringsDavid Johnson, Holly SpringsElizabeth Johnson, BrookhavenHarold Johnson, RidgelandHugh Johnson, JacksonJames Johnson, LaurelJean Johnson, LaurelJoseph Johnson, HattiesburgJune Johnson, RidgelandKaren Johnson, Ocean SpringsPatricia Johnson, ColumbusRita Johnson, Olive BranchWanda Johnson, HernandoGregory Johnston, RidgelandRonnie Johnston, VicksburgTitus Johnston, Horn LakeGeorge Joiner, OxfordAlese Jones, FlowoodAngela Jones, HattiesburgBetty Jones, BiloxiDana Jones, Ocean SpringsDonald Jones, GulfportHerbert Jones, VicksburgJeremiah Jones, JacksonJimmy Jones, SouthavenJohn Jones, PascagoulaKenneth Jones, GulfportKevin Jones, HernandoLea Jones, SouthavenMary Jo Jones, GulfportPaulette Jones, DiamondheadRon Jones, RidgelandSamuel Jones, HernandoSinnana Jones, HattiesburgStephen Jones, ColumbusTony Jones, Olive BranchTrey Jones, HattiesburgWillie Jones, ColumbusCecil Jordan, ColliervilleHeather Jordan, Ocean SpringsRichard Jordan, TupeloPeggy Joyner, TupeloBurt Juneau, D'IbervilleAndrew Kalinowski, ColumbusJoseph Karr, OxfordJames Kavitz, BrookhavenEstus Kea, Bay Saint LouisWilliam Kearney, Bay St. LouisChristopher keebler, OceanSpringsGlenda Keenan, OxfordTommye Keith, FlowoodAmber Kelley, BiloxiMaggie Kate Kelly, RidgelandDorris Kendrick, GautierGuy Kennedy, SouthavenJim Kennedy, MeridianKaren Kessling, CarriereThomas Ketchings, HattiesburgMelissa Key, SumrallTracy Key, HattiesburgJ.R. Keys, JacksonSaira Khan, WallsBarbara Kidd, Meridian



Joan Killingsworth, FlowoodRickey Kimble, TupeloJanet Kinard, GrenadaWallace Kincaid, MadisonDebbie King, PetalDoyle King, MadisonGail King, MccombJeff King, BrookhavenLynn King, MadisonMetra King, SouthavenJane Kingsafer, HattiesburgAddie Kinney, VancleaveWylene Kirk, MadisonTracy Kirkley, Olive BranchJerome Kittrell, MeridianBrenda Knight, JacksonKevin Knight, TupeloRandy Knouse, RidgelandKeith Knowles, TupeloTerence Koontzy, RidgelandMarvin Koury, GulfportSlade Kraker, StarkvilleAnna Kral, GulfportKathleen Kranz, GulfportMargaret Krayer-Lucado,HernandoNessa Kreps, RidgelandBrenda Kretschmar, GreenvilleDanae Kubicki, HattiesburgPatricia Kurtz, TupeloMarjorie Kusser, DiamondheadAnnice Kyle, SouthavenCarmen Kyle, SouthavenFrank Lacey, II, KosciuskoAimee Lacy, MeridianTronnie Lacy, ClintonJane Ladner, RidgelandJohn Ladner, PoplarvilleLisa Ladner, PicayunePatricia Ladner, GulfportLois Laird, ColumbusColleen Lally, MagnoliaBetsy Landers, MadisonMarcia Landers, FlowoodPhil Landers, FlowoodDeborah Landry, GulfportDebi Lane, MendenhallJesse Lane, JacksonNancy Lane, JacksonPat Lane, StarkvilleShawn Lane, BiloxiMargaret Laney, OxfordMary Lang, GreenvilleRegina Langlinais, OceanSpringsLisa Langston, PearlGary Lankford, GulfportCarl LaRosa, Pass ChristianJennifer Larson, Long BeachAngela Laster, ColumbusAnn Lauman, JacksonDenise Lawler, Ocean SpringsJanet Lawrence, GulfportMax Lawson, OsykaSallie Lawson, BiloxiTarzan Lawson, MemphisHoang Le, GulfportBrooke LeBlanc, Mc CombMargarita Leblanc, OliveBranchPhilip LeBlanc, Long BeachStephanie LeClair, Grenada

Beverley Lee, GulfportD. Danny Lee, WavelandJason Lee, TylertownJimmie Lee, MeridianLinda Lee, BiloxiMartha Lee, HattiesburgStephanie Lee, Ocean SpringsLeigh Anne Leech, BrandonGaye Leggett, MchenryPeggy Leigh, BatesvilleRobert Leigh, SouthavenAlex Lenoir, MadisonFonda Lester, MadisonJimmy Levy, GulfportAndrea Lewis, VicksburgSheila Lewis, LaurelTracy Lewis, Olive BranchMun Lian, HattiesburgKayla Libiszewski,DiamondheadJan Liles, GrenadaGloria Lindsey, SouthavenScott Lindsey, SmithdaleGail Litchliter, JacksonJulie Little, CorinthVickie Lizana, GulfportSidney Lloyd, Jr., Ocean SpringsDan Loflin, JacksonDean Loftis, ColumbusRose Loftis-Yates, SouthavenLibbi Logan, ClevelandDonna Lombardo, SouthavenJane Long, GulfportKaren Long, TupeloPhillip Long, ColumbusTiffany Longo Butcher,WavelandDiane Lott, HattiesburgDionne Loudenslager, Mc CombRoy Loudenslager, MccombRebecca Love, Olive BranchAmelia Lovorn, Olive BranchBea Luckett, TupeloMonte Luffey, GulfportJudy Lundy, GrenadaDeborah Luster, ClarksdaleChet Lutkins, Ocean SpringsMallory Mackey, BiloxiCliff Magee, MccombDawn Magee, FlowoodJarrett Magee, SouthavenKristy Magee, GulfportLola Magee, MeridianCarol Magers, DiamondheadSherry Maggio Flynn, WallsKim Magoun, MadisonKerri Mahan, Pass ChristianSusie Maier, MadisonJared Makamson, Long BeachParrish Malouf, RidgelandClare Maness, HernandoMandy Mangrum, RidgelandCarl Manning, GautierLouis Mapp, HattiesburgSheryn Maricle, HernandoTerry Marks, FlowoodBob Marsh, Ocean SpringsJeanelle Marshall, MadisonJonathan Marshall, GulfportRichard Marshall, GulfportTammy Marshall, PicayuneDean Martel, Gulfport

Loretta Martello, RidgelandBarbara Martin, Moss PointBenjamin Martin, TupeloJoanna Martin, EllisvilleSusie Martin, LaurelSuzanne Martin, GautierVickie Martin, BrookhavenAllie Martin, Jr., TupeloDoug Maselle, FlowoodMonique Maselle-Kelly,FlowoodElleen Mashburn,DiamondheadPat Mashburn, DiamondheadCarol Massey, Olive BranchHelen Massey, SouthavenPamela Mathis, New AlbanyJanice Matthews, ColumbusWil Matthews, OxfordMargie Matthews-Mays,SouthavenMike Maxfield, GreenvilleBetty Maxwell, DiamondheadLinda Maxwell, SouthavenArea Mays, HernandoAaron McAdams, HattiesburgCaitlin McAdams, HattiesburgAshley McAdory, FlowoodConnie McAlister, SummitRickey McAlister, MccombBarry McArthur, SumrallMichelle McAuley, TupeloGregory McCaffrey, GulfportRobin McCaffrey, HattiesburgMichael McCaleb, OceanSpringsRobin McCaleb, GulfportRebecca McCann, SouthavenJames McCarthy, MemphisMelton McCarty, ColumbusSara McCaughan, BrandonRick McCay, New AlbanyPatrick McClay, WallsCharl McCloud, TupeloCynthia McCool, MadisonMatthew McCool, KosciuskoCheryl McCormick, OliveBranchDurwood McCormick, OliveBranchTara McCoy, MadisonRuth McCraney, GreenvilleMichael McCreary, CorinthMicah McCullough, JacksonDianna McCutcheon, Horn LakeGreg McCutcheon, Horn LakeLinda McDaniel, HernandoRobin McDaniel, MccombRobin D. McDaniel, HazlehurstLynn McDerment, LucedaleKelly McDonald, MadisonSuzie McDowell, FlowoodCarol C. McElroy, MeridianBrenda McFall, GulfportMargie McFarland, GulfportNancy McGill, Ocean SpringsDelayne McGowan, FlowoodFaye McGuffee, ClintonJ. D. McIntosh, FlowoodRita McIntosh, FlowoodPam McKay, GrenadaJeff Mckelroy, Hernando

April McKenna, GulfportEmeldia McKey, BiloxiTonja McKim, SouthavenAnthony McLaughlin, SouthavenCodi McLellan, KosciuskoLarry McMahan, HattiesburgMaggie McMichael, PetalNicole McMichael, MadisonBrent McMillan, LibertyJay McMiller, Olive BranchJennifer McMinn, OxfordJudith McMurphy, BiloxiLoralee McMurphy, BiloxiMike McMurray, GulfportShannon McNair, GulfportSusan McNamara, JacksonPATRICK MCNAUGHTON,SouthavenJohn McNeese, ColumbiaDebbie McNeil, Bay Saint LouisJoann McPherson, CollinsvilleBrenda McRae, SouthavenLena McRae, MeridianBill McWilliams, Olive BranchDebbie McWilliams, MccombGrace Meadows, FlowoodTerry Medley, GulfportJudy Melancon, PicayuneDonna Melton, SaucierSandi Menendez, D'IbervilleAbraham Menhel, GreenvillePatrick Merrill, Ocean SpringsWilliam Merritt, NatchezJacki Metcalf, SouthavenHenry Michel, JacksonWalter Michel, JacksonJulie Middleton, FlowoodTrenton Milam, JacksonBruno Milanese, Ocean SpringsLinda Miles, SouthavenBryan Miller, TupeloKim Miller, MageeLinda Miller, Ocean SpringsMarian Miller, ClarksdaleMary Miller, PicayuneDavid Milling, JacksonFrancis Minnehan, GulfportJoseph Mistilis, OxfordAnne Mitchell, Pass ChristianClint Mitchell, OxfordDana Mitchell, MadisonHarry Mitchell, PicayuneHayden Mitchell, HattiesburgKathryn Mitchell, Ocean SpringsMcNeil Mitchell, TylertownMelanie Mitchell, StarkvilleSandra Mitchell, LucedaleJerry Mixon, MarksJohn Mixon, JacksonAnnette Mize, GreenwoodShelli Mohan, BiloxiYasmin Mohiuddin, GulfportAngela Mohr, TupeloKandace Monsivais, LaurelDonna Monsour, MeridianMark Montet, WavelandBettina Montgomery, OxfordThomas Montgomery, OxfordDoris Moody, ColumbusJanet Moody, Olive BranchBarbara Mooney, ColumbusEric Moore, Quitman

John Moore, Olive BranchMelvin Moore, GreenvilleSabrina Moore, RidgelandSara Moore, Ocean SpringsCrystina Moran, GulfportAnita Morgan, GreenwoodJohn Morgan, MadisonThomas Morgan, MccombTommy Morgan, TupeloCindy Morgan-Fancher, OliveBranchAjax Morris, ClevelandBill Morris, FlowoodJames Morris, GulfportMarlon Morris, JacksonPatricia Morris, FlorenceKelly Moses, GulfportJudy Mosley, BruceLinda Mote, BrandonGale Mueller, SouthavenJan Munn, Ocean SpringsWilliam Murdock, HernandoEdna Murray, CrosbyJackye Murray, MccombAnnabel Musgrove, PicayuneAnne Myers, JacksonPat Myers, LaurelRobert Myers, OxfordTena Myers, FlowoodShelia Myles, FlowoodBillie Myrick, Ocean SpringsDonald Nace, HattiesburgWinnie Nace, HattiesburgSavita Nair, JacksonFarokh Nanavaty, BrandonDavid Napier, SouthavenConnie Necaise, WavelandGuy Necaise, GulfportEdwin Neelly, TupeloCarolyn Nelson, BrookhavenTeresa Nelson, GautierKay Newman, MccombSummer Newman, GulfportChris Newsom, HernandoKaren Newsom, JacksonSam Newsom, LelandSusan Newton, RidgelandChristy Nguyen, BiloxiHue Nguyen, GautierSheila Nicholas, RidgelandKatherine Nichols, CorinthSharon Nichols, HattiesburgDonna Nigro, RidgelandStephanie Nix, ByramBetsy Nolan, DiamondheadCarlene Noone, MadisonJoyce Noone, MadisonSusan Norris, BiloxiTeresa North, CorinthCarrie Northam, BrookhavenFred Nosef, GreenvilleRonnie Nowell, JacksonStephanie Null, MeridianJames Nutt, MadisonTammy Nutt, MadisonMichael Oakes, BiloxiGloria Oakley, HernandoEmily O'Beirne, NatchezCara O'Bryant, HernandoPaul Ockmand, LumbertonCliff O'Conner, SenatobiaBeverly Odom, Collinsville



Diane Odom, MemphisKurt Olivent, SouthavenCanda Olmi, Bay SpringsCourtney Olsen, GulfportSusan O'Mara, RidgelandErica O'Neal Leidigh, WigginsEunice Ooi, GulfportTina O'Quinn, TupeloBurgess Orgeron,DiamondheadMichael Oswalt, MadisonKane Overstreet, StarkvilleVirginia Overstreet, GulfportJames Overton, NatchezJune Owens, HattiesburgAnthony Pace, GulfportDebra Pace, HattiesburgKassie Paddock, FlowoodTravis Paige, BiloxiChristine Palmer, RidgelandDoy Palmer, MccombJeff Palmer, PurvisKathy Palmer, HattiesburgStephanie Palmer Cummins,RidgelandCarla Palmer-Allen, RidgelandRonald Panissidi, NesbitMelissa Parish, SouthavenPhield Parish, GreenvilleGary Parker, FlowoodKelly Parker, MccombOlivia Parker, SaltilloPhyllis Parker, JacksonSamantha Parker, Olive BranchLinda Parks, Ocean SpringsYolanda Parris, ByramDiana Parrish, BrandonSteven Pascua, GulfportBradley Patano, BiloxiJames Patano, BiloxiJason Patrick, HattiesburgDouglas Patterson, AmoryTina Pavlov, GulfportAlicestine Payne, MemphisBarbara Payne, GulfportNeil Payne, JacksonGerry Peak, GermantownChristopher Peaks, OliveBranchBrenda Pearce, TupeloJoyce Pearson, BoonevilleWendy Peavy, BiloxiSonya Peck-Imomoh, HornLakeChris Peede, BrandonMargaret Peel, TupeloKenneth Peeples, BudeJacqueline Pegues, OxfordDebbie Pennington, ColdwaterSuzanne Pennington, SouthavenAnika Perkins, ColumbusPete Perkins, ColumbusSally Perkins, HattiesburgTina Perkins, Ocean SpringsTeena Perry, HattiesburgKaren Peters, GulfportMichael Peters, JacksonMitchell Peters, JacksonSamuel Peters, JacksonTwila Peterson, GautierLeslie Pettey, TupeloCecil Pettis, Hernando

Lynn Pfund, GermantownElaine Phelps, RidgelandGerald Phillips, LaurelHallie Phillips, MeridianJanice Phillips, SaltilloMary Phillips, GulfportRobin Phillips, Olive BranchThomas Phillips, ColumbusTina Phillips, GulfportHarry Piascik, Ocean SpringsLydia Pickard, BiloxiMarty Pickard, HernandoSandi Pickard, GulfportTracy Pickett, OxfordBettye Pierce, HattiesburgKevin Pierce, TupeloBob Pillow, Jr., MadisonSusan Pinkston, RidgelandSheila Pinnix, SouthavenColleen Pitre, CarriereMike Pittman, ClarksdaleLinda Pitts, BrandonPenny Pitts, FlowoodHal Pleasants, GreenwoodSharon Plunkett, RidgelandYancy Pogue, Bay Saint LouisAmanda Polles, RidgelandSharon Pompelia, MeridianJosh Poole, JacksonWanda Poole, OxfordFrancis Poolson, GulfportJames Pope, ColumbusConstance Portas, GautierCyndi Porter, HernandoTerri Posey, MadisonGlenda Poulos, GulfportMartha Powell, Olive BranchZeke Powell, HattiesburgCurtis Powell, Jr., BrandonLynette Praytor, FlowoodJoseph Presley, KosciuskoAnn Prewitt, RidgelandRonald Prewitt, MadisonBeth Price, Olive BranchDebra Price, SouthavenTerrie Price, Ocean SpringsVirginia Primos, JacksonMark Prince, TupeloCynthia Pritchard, GautierSherry Pullens, HattiesburgJill Pulliam, HernandoVictoria Pumford, Long BeachChris Purser, MadisonPam Pybas, MadisonJudy Quick, MadisonJanie Quin, RidgelandJason Quinn, JacksonBecky Rader, RidgelandCarol Rafferty, Pass ChristianMonica Rainey, Olive BranchSarita Rainey, MeridianJim Raley, MadisonSuzanne Raley, MeridianJennine Ramage, HernandoMindy Ramey, CorinthBrenda Ramm, PascagoulaDero Ramsey, StarkvilleDoris Randall, GulfportPatsy Randle, StarkvilleJeff Rankin, RidgelandKaren Rasberry, LaurelLeslie Ratcliff, Flowood

Kent Raulston, GulfportGinny Ray, JacksonAnnette Rayburn, JacksonBarbara Rea, MeridianDiana Rea, ColumbusBobbie Ready, TupeloMaxie Rebsamen, GreenvilleCheryl Reed, MeridianChris Reed, GrenadaClayton Reed, NesbitKimberly Reed, ColumbusLisa Reed, CollinsvilleRobin Reed, StarkvilleVickie Reel, BrandonKatherine Regimbal, ColumbusSharon Register, HattiesburgBetsy Rettig, SaucierScott Rheams, BiloxiGina Rhett, ColumbusKathryn Rhett, ColumbusEmily Rhinelander, BiloxiRonnie Rhoda, SouthavenEdith Rhodes, BrooklynJanice Rhodes, StarkvilleMelissa Rhodes, MadisonKatherine Richard, PassChristianPaula Richards, CollinsvilleBarbara Richardson, JacksonLois Richardson, BiloxiW. Dillard Richardson, SaltilloPaula Ricks, RidgelandSarah Rider, BiloxiKeith Ridgeway, LaurelBob Ridgway, JacksonJames Ridgway, MadisonJoyce Riley, TupeloAlex Riser, KosciuskoSteve Rives, ClintonKimberly Robbins, CollinsvilleMarley Roberson, JacksonPamela Roberson, OxfordJoel Roberts, PetalTracy Roberts, JacksonCindy Robertson, ClintonErvin Robertson, RidgelandJulie Robertson, HattiesburgDebbie Robinson, BrandonJacqueline Robinson, ClintonDonna Robison, Olive BranchRhonda Rodgers, PontotocShirley Roe, FlowoodAmy Rogers, Olive BranchBennie Rogers, LaurelDebbie Rogers, MadisonPamela Rogers, Olive BranchPhilip Rogers, HattiesburgRobert Rollins, Mc CombBrenda Rollinson, MccombSonya Romero, Ocean SpringsViera Roseburgh, JacksonGeorge Roser, SouthavenJordyn Rosetti-Favret, GulfportLawrence Ross, Ocean SpringsSheila Ross, MadisonKathy Rouchon, BrandonLazaro Rovira, Pass ChristianKarla Rucker, SaltilloGeney Ruesga, BiloxiTheda Ruff, MadisonMichele Rumbley, MadisonHeath Rushing, Tylertown

Jean Rushing, MadisonKathleen Rushing, JacksonLonnie Rushing, ClintonStephanie Russo, PicayuneCindy Ruth, GrenadaDenise Rutherford, WavelandKim Rutland, HattiesburgJames Ryals, BiloxiRon Ryals, ColumbiaJeremy Ryan, ColliervilleAmanda Ryle, GulfportCharlotte Sadler, BiloxiTommy Salmon, Olive BranchDee Salvas, GulfportMark Samsel, ClintonRichard Sanchez, GulfportSandra Sanchez, GulfportB.L. Sanders, Olive BranchBrandon Sanders, MadisonDebra Sanders, MadisonLarry Sanders, MadisonMelanie Sanders, GreenvilleSheila Sanders, GreenwoodLeah Sandidge, ClintonJimmie Sandifer, JacksonJoderick Sandifer, JacksonMarilyn Sappington, PontotocBarbara Sauls, LaurelTracy Sauls-Mason, RidgelandDavid Saulters, HattiesburgNatalie Savell, MadisonReginald Savoie, PoplarvilleJane Sawyer, Long BeachBetty Saxton, MadisonDebbie Scairono, GulfportMelissa Scheid, SaucierSusan Schneeflock, RidgelandLinda Schonewitz, SaucierWilliam Schonewitz, BiloxiBrandy Schulz, TupeloLindsey Scollard, HattiesburgCharles Scott, CarriereEreka Scott, MadisonVirginia Scott, New AlbanySherry Scott-Chambers,MemphisKimberly Seal, Long BeachTaravia Seals-Harris, MadisonSteve Seaman, PascagoulaLinda Seifert, HattiesburgLouann Sekul, Ocean SpringsBarbara Sellers, HattiesburgLarry Semski, Ocean SpringsTeri Shaifer, NatchezDelphine Shanks, JacksonMonique Shannon, BrookhavenRichard Shapley, RidgelandKass Sharp, StarkvilleStephanie Shaw, GulfportRon Sheets, CordovaThomas Shelton, VicksburgEstelle Sherer, ClintonGinger Sheriff, FlorenceIda Sherman, Ocean SpringsRichard Shields, JacksonCarol Shippey, Bay St. LouisClay Short, TupeloEllen Short, TupeloJanice Shows, RidgelandSheri Shramek, ClintonNancy Shroyer, GulfportBarbara Shute, Picayune

James Sills, MadisonAmber Simmerman, SouthavenMargaret Simmons, GulfportSuzanne Simmons, FlowoodLarry Simons, FlowoodCollier Simpson, MadisonJudith Simpson, TupeloKimberly Simpson, GulfportJean Sims, GulfportMartha Sims, LaurelCasey Sipili, HattiesburgDolly Skelton, SouthavenHeather Skelton, Potts CampDorothy Slade, HattiesburgAlice Smith, RidgelandBo Smith, JacksonCameron Smith, BrookhavenCarrie Smith, PicayuneCharlie Smith, GreenwodChristine Smith, JacksonCindy Smith, FlowoodDeLois Smith, HattiesburgDiane Smith, MadisonDoris Smith, Holly SpringsDorothy Smith, JacksonEllen Smith, MadisonJacquelyn Smith, NatchezJane Smith, ColumbusJane Smith, JacksonJeffrey Smith, SouthavenJohnny Smith, MeridianJustin Smith, BrandonKathryn Smith, EllisvilleLisa Smith, SouthavenMonte Smith, TupeloPatricia Smith, GautierRonald Smith, TupeloSharon Smith, JacksonStephany Smith, BrookhavenJim Smithson, Olive BranchSharon Sofford, Pass ChristianCarmen Sones, PoplarvilleAmy Sonnier, Ocean SpringsLori Sorenson, PowhatanMike Soutullo, PearlJanet Spain, FlowoodRamona Spann, JacksonBrenda Spencer, TupeloKaren Spencer, GrenadaWoody Spiers, PicayuneEvelyn Spillers, OxfordDonna Spooner, RidgelandCountina Spurlock, MccombCandace Spurzem, FlowoodLisa Stala, GulfportVictor Stanfield, GulfportMichelle Stanley, ColumbiaPatti Stark, PontotocKelley Starnes, BrandonLinda Starns, MadisonKay Staten, GrenadaBeth Stauffer, TupeloAnna Stedman, NatchezDoe Steely, FlowoodChristian Stefferud, MadisonEdward Stephenson, OxfordStephen Stetelman, HattiesburgPenny Stettinius, PicayuneDavid Stevens, ClintonJonathan Stevens, KosciuskoRonnie Stevenson, GreenwoodAlahna Stewart, Flowood



Barbara Stewart, ByhaliaCarol Stewart, CantonGary Stewart, BrookhavenJesse Stewart, VaidenJulene Stewart, JacksonMaya Stewart, HattiesburgPaula Stewart, SardisPerry Stewart, HattiesburgStephanie Stewart, OxfordSusan Stewart, RidgelandVanessa Stinson, LaurelDarrell Stirewalt, HattiesburgRichard Stockett, CrystalSpringsPamela Stockstill, PicayuneBill Stoddard, HernandoBobby Stokes, RidgelandChristy Stokes, LakelandDawn Stolz, Bay St. LouisCharles Stone, GreenvilleFay Stone, GreenvilleChristopher Stovall, SummitRosemary Stovall, MadisonJacob Strait, VicksburgWilliam Strauss, ColumbusNancy Street, HattiesburgScott Stribling, ClarksdaleWilliam Strickland, LucedaleJoAnna Stricklin, BrandonTroy Stricklin, GulfportRaymond Stronsky, GulfportDebbie Stroo, PetalAnnette Stroupe, SenatobiaMartha Strum, GautierTracy Stubblefield, HernandoRoger Sturdivant, BrandonBasil Sullivan, JacksonBetty Sullivan, JacksonJeanette Sullivan, DiamondheadAllan Summerlin, MadisonChristy Sumrall, LaurelSue Sunderland, GulfportRichard Sutherland, PascagoulaJane Swain, RidgelandEdgar Sweatt, GautierLinda Swinney, TupeloMary Swoope, MadisonAngela Sylvester, SouthavenSuong Tang, BiloxiRachel Tate, GulfportKutenia Tate-Good, RidgelandDebra Tatum, Ocean SpringsErik Tatum, MadisonAnn Taylor, Ocean SpringsDottie Taylor, GrenadaJamie Taylor, ColumbusJohn Taylor, ColumbusMarsha Taylor, Holly SpringsRichard Taylor, MccombTerry Taylor, SouthavenTim Taylor, Water ValleyVicki Taylor, ClevelandPhilip Teel, Holly SpringsTaffy Teeter, MadisonLynn Telano, LouisvilleGrace Templet, PicayuneCathy Terrell, BrandonPatrick Terrell, ByhaliaAnnette Terry, BiloxiRita Tetzlaff, PicayuneTerry Tetzlaff, PicayuneKellie Thames, Rayville

Dee Tharp, GermantownBarry Thomas, GrenadaCindy Thomas, HernandoElizabeth Thomas, HernandoJessica Thomas, RidgelandKatie Thomas, FlowoodMary Thomas, JacksonNaomi Thomas, PascagoulaRick Thomas, GulfportShirley Thomas, TupeloTerrell Thomas, West PointTerry Thomas, CarthageDenise Thomas -Touchstone,HattiesburgDorothy Thompson, JacksonGloria Thompson, JacksonJesse Thompson, JacksonLaChoya Thompson, OliveBranchMartha Thompson, OxfordMatthew Thompson, JacksonDonna Thornton, VicksburgSherri Thornton, PascagoulaDeborah Tierce, TupeloVicki Tindall, MadisonSean Tindell, GulfportLisa Tingle, BeaumontBrent Tippitt, SouthavenJAMIE TIPTON, HernandoAnn Tolbert, BrandonBen Tolbert, Olive BranchSally Toler, NatchezGeorge Tomlinson, OxfordTerry Tomlinson, SouthavenCharles Tompkins, OxfordChad Toney, LibertyLesly Toohey, RidgelandPhilip Torjusen, PascagoulaSeth Touchstone, MccombRichard Travers, GermantownTroy Trigg, Ocean SpringsEd Truett, JacksonRick Truitt, GreenwodJohn Trusty, GreenwoodJ. Mark Tucker, EllisvilleKatrina Turk, HattiesburgJames Turner, MadisonJane Ann Turner, EllisvilleJessica Turner, OxfordSandy Turner, TupeloSarah Turner, MadisonDominic Tusa, BiloxiMary Janita Tyree, JacksonMichael Ueltschey, JacksonPatricia Umberger, SardisMarjorie Underwood, JacksonCaroline Upthegrove, SaltilloGeorge Upton, BrookhavenJo Usry, JacksonLisa Utterback, HernandoLynda Vail, ColumbusTammy Valente, CarriereHelen Valentine, MeridianMartha Jo Vance, JacksonMelinda Vassalli-Clark, GautierCassandra Vaughan, MeadvilleMelissa Vaughn, MathistonSandra Vaughn, LaurelChris Veal, MadisonSharon Vecchione, OliveBranchCindy Vick, Hernando

Kathryn Vickers, MadisonMark Vinson, RidgelandJessica Virden, GermantownGwenn Voigts, Pass ChristianEmmett Wade, HernandoLynn Wade, Ocean SpringsTiffiny Wade, FlowoodRuth Wadley, MadisonGay Waites, RidgelandBrenda Waldrop, ColumbusJustin Waldrop, TupeloDavid Waldroup, BiloxiDebbie Walker, FlowoodDeborah Walker, JacksonGrace Walker, TougalooJason Walker, GulfportMary Walker, JacksonVicki Walker, MadisonArlene Wall, GulfportGail Wallace, SouthavenTeresa Wallace, SenatobiaLinda Walsh, Ocean SpringsTimothy Walter, GulfportMary Walters, AberdeenFred Walton, MemphisRobin Walton, TupeloDanny Ward, JacksonElsie Ward, MemphisSteve Ward, ColumbusBetty Ware, GrenadaBobby Ware, GulfportJohn Warner, JacksonJason Warren, TupeloKathryn Warren, RidgelandLetha Warren, ColumbiaRegina Warren, Long BeachRichard Warren, NatchezRob Warren, BrandonTina Warren, Ocean SpringsKara Washington, FlowoodJanet Waterhouse, OceanSpringsJeffrey Waters, Olive BranchAdam Watkins, HattiesburgBud Watkins, TerryMary Watkins, FlowoodCarla Watson, VicksburgCatherine Watson, RidgelandSonett Watson, RidgelandMichelle Way, FlowoodErnie Webb, BrandonHoward Webb, MadisonJudy Webb, StarkvilleLarry Webb, Olive BranchLaurie Webb, Olive BranchMary Webb, GulfportMichael Webb, ColumbiaRobert Webb, GulfportSandy Webb, GulfportRita Webster, MadisonJodi Weeden, TupeloMona Weeden, TupeloEdith Weems, SouthavenKyla Weems, JacksonJames Weidlein, OxfordBarbara Weir, ColliervilleZeno Wells, GulfportMauri Welzien, RidgelandKenneth West, HattiesburgVicki West, TupeloLorie Westbrook, OceanSprings

Randy Westrick, GulfportTheresa Weyland, GulfportBrenda Wheeler, BiloxiApril White, Ocean SpringsBart White, BaldwynJonathan White, MeridianMae White, OxfordRebecca White, SouthavenRobert White, GulfportWilliam White, Olive BranchCandy Whitehead, RidgelandTeresa Whitehead, MadisonDebbie Whitfield, SaucierDianne Whitfield, OxfordGlenn Whitfield, MadisonRachel Whitt, New AlbanyAngie Whitten, ColumbusPatton Whitten, ColumbusSue Whitten, ColumbusKathy Whittington, OceanSpringsRebekah Whittington, BrandonPatricia Whitton, ClintonBritt Wicker, OxfordTeresa Wieck, Ocean SpringsJay Wiegartner, JacksonNatalie Wiggins, HattiesburgR.J. Wilbanks, Olive BranchWatkins Wild, MccombBrenda Wiley, RidgelandPatsy Wilgus, HattiesburgJames Wilkerson, MadisonPam Wilkerson, HattiesburgHarriett Wilkinson, StarkvilleMelinda Wilkinson, JacksonRachelle Wilkinson, OliveBranchBeth Williams, TupeloChance Williams, SenatobiaCherry Williams, ColumbusDeborah Williams, BatesvilleFaye Williams, GulfportGregory Williams, OceanSpringsHilbert Williams, ColumbusJeff Williams, EcruLeslie Williams, GulfportStephanie Williams, FlowoodJoyce Williamson, GulfportNenar Williamson, HattiesburgBradley Williford, RidgelandChristy Willis, MadisonJesse Willis, VicksburgRosa Willis, Olive BranchAlex Wilson, FlowoodChris Wilson, LaurelDimona Wilson, FlowoodJudy Wilson, Olive BranchKeith Wilson, SouthavenMatt Wilson, SouthavenMichelle Wilson, GulfportPattye Wilson, GreenvilleSandra Wilson, Pass ChristianSydney Wilson, BrookhavenJeremy Winborne, JacksonRonald Windham, EllisvilleRosemary Windham, OxfordCaitlin Wing, MadisonBarbara Winkworth, NatchezMichele Winstead, MeridianTerry Winstead, MeridianThellis Winstead, Meridian

Yvonne Winstead, VicksburgEugenia Winston-Crowley,GreenvilleBridgett Winters, GreenvilleTheo Wise, MadisonSarah Wittman Barton, BiloxiBetty Womack, TupeloCharles Wood, Pass ChristianJessica Wood, MadisonChad Woods, Ocean SpringsLaurence Woods, LibertyLindsey Wool, MccombMary Jane Wooten, VicksburgMelba Wooten, HernandoNancy Wooten, BrookhavenKathy Worthy, ColliervilleJames Wright, Olive BranchJane Ann Wright, JacksonJustin Wright, JacksonSandra Wright, HattiesburgSandra Wright, EllisvilleTina Wright, MadisonWalter Wright, LucedaleElizabeth Wroten, ByramKarla Wroten, NatchezSybil Wroten, VidaliaNell Wyatt, RidgelandVic Wyatt, RidgelandVirginia Wyatt, MadisonKelli Yates, MadisonShannon Yawn, HattiesburgJanet Young, GreenwoodJohn Young, New AlbanyPete Young, FlowoodRichard Young, BrandonStaffardnett Young, ColliervilleToya Young, BrandonYoung Yu, HattiesburgJoel Zimmerman, Tupelo


Refe

rral

Adv

ertis

ing

Central Mississippi New Mini Referral Ads

4X 2X 1X$20 $25 $30

For additional informationor to advertise, contact

Kathy Whitfield at [email protected]


Drawdown for up to $5000 You could win $5,000 if your ticket is the last one standing at the end of the night!

• Tickets are $100 each• Tickets will count toward your

MARPAC pledge!For more information or to register go to

www. msrealtors.org/drawdown.pdf

February 5, 20146:30 PM to 9:00 PM

Duling Hall in Fondren 622 Duling Avenue, Jackson

$25.00 Admission includes

• Dinner • Cash bar available


Mississippi Association of REALTORS®

PO Box 321000Jackson, MS 39232-1000Web: www.msrealtors.org

Sign up with TelaMed,Inc. for 24/7physician access for a small monthlymembership.

Sign up with for the C Spire REALTOR®

Wireless Discount.

Sign up with MAR’s Office Depot affinityprogram to receive discounts, couponsand other rewards.

Are you taking advantage ofthese great MAR Member Benefits?

Go to msrealtors.org/AffinityPartners.php to learn more


new 2014 realtor institute offerings special 2013 highlights issue · 2017. 6. 22. · buyer agency...

Documents