(01/11)

The edge you need.

Choose a REALTOR®

A REALTOR® can assist you in the homebuying process. To ensure it is someone you respect and trust, get referrals of names from friends and family.

Get Pre-ApprovedMeet with a mortgage consultant and get pre-approved for a loan. Ask your REALTOR® to recommend a loan officer or contact Edina Realty Mortgage for the mortgage consultant nearest you.

Refine Your FocusDetailing your housing needs, wants and budget will be helpful for both you and your REALTOR®. Ask your agent for worksheets or online tools to help narrow down your choices.

View Properties Start your home search on edinarealty.com. Once you find homes that meet your criteria, tour several of them in person so you can be comfortable with what’s on the market. Then make your selection.

Make an OfferIf you know you’ve found the right property, you may need to act fast depending on market conditions. Trust your REALTOR® to prepare and present your offer to the seller in the best possible light.

Negotiate TermsCounter-offers are common in real estate. Be prepared to be a little flexible on price, closing date, appliances or repairs.

Get an InspectionThis is your best chance to have your property’s systems and structure evaluated. An experienced, outside professional is worth every penny. And you may want to add a home warranty to cover appliances and systems that could break down up to a year after you close.

Do a WalkthroughShortly before closing, do a final walkthrough of the house to make sure everything you thought was included in the purchase agreement has remained on the property.

CloseAt closing, you will review and sign the relevant closing papers. Then, after providing a cashier’s or certified check for the down payment and closing costs, the keys are passed to you and the house is yours!

Move in!Use a checklist to plan your move so nothing is forgotten. Your REALTOR® might be able to provide you with a paper checklist or you can find one online at edinarealty.com.

Ten Steps to Buying a Home

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Step

Step

Step

Step

Step

Step

Step

Step

Step

Step

Buying a home is probably the biggest financial commitment you’ll ever make. But buying a home isn’t just a dollars-and-cents investment – it’s an investment in your life. To assist you in the process, Edina Realty has all the home buying products and services you need. And best of all, we’ll be with you every step of the way.

Preapproval: Increase Your Negotiating Power

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Talk to a LenderThere are many types of mortgages, each having different interest rates and features. A mortgage consultant from Edina Realty Mortgage may be able to help you determine which option is right for you. Conveniently located in most Edina Realty offices, Mortgage Consultants are available to help you through the entire loan process.

Get Preapproved1

A preapproval may be obtained after providing basic information and completing the first credit decision phase that includes a check of your credit history. Obtaining a preapproval letter before you begin your house shopping lets you and others know the maximum loan amount you could be approved for and may put you in a better position when you find the right home and are ready to make an offer.

Buyers who talk to a lender before actively looking for a home may have an

advantage over other homebuyers.

1. A preapproval is based on our preliminary review of credit information only and is not a commitment to lend. We will be able to offer a loan commitment upon verification of application information satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report. Preapprovals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preapprovals are not available on all products. See a home mortgage consultant for details. 

Edina Realty is an affiliate of Edina Realty Mortgage. Please speak to your real estate agent for more information on this affiliation. All first mortgage products are provided by HomeServices Lending, LLC dba Edina Realty Mortgage. Edina Realty Mortgage may not be available in your area. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

©2013 Edina Realty Mortgage. All Rights Reserved. NMLSR ID 490683. 976082 Expires 01/31/14

Search with Confidence Once preapproved, you’ll know how much house you might be able to purchase—and you may have an edge over other buyers in multiple-offer or negotiating situations. Plus, you’ll have peace of mind knowing you are working with Edina Realty Mortgage, a full-service lender.

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The edge you need.

Finding Your New Home

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A REALTOR® can show you suitable properties, offer valuable advice and coach you through the entire complex process. By entrusting an agent with your home search and openly sharing your expectations and needs, you’ll improve both the process and the results. But how do you know whom to choose?

Start with the BestChemistry is important, but so are credentials. Above all, you’ll want an agent who knows the market and has the resources of a leading real estate firm behind them – a firm like Edina Realty.

With more than 2,200 professionals to choose from, you’re sure to find an Edina Realty REALTOR® that fits your personal style. There’s simply no company better qualified to help you find and buy your new home.

An Edina Realty REALTOR® Can…■■ Provide knowledge of the market to help you make informed decisions

■■ Show you properties that meet your needs in style and price

■■ Use their expertise and experience to negotiate on your behalf

■■ Guide you through each stage of the transaction

■■ Recommend professionals in related fields – loan officers, closers, home inspectors and others – to ensure a smooth transaction

■■ Show you any property – even those listed by another broker

■■ Monitor the MLS and Edina Realty Mobile Hotline activity

■■ Attend open houses and drive through selected neighborhoods regularly

■■ Network with other agents to obtain leads on properties coming on the market

■■ Locate potential builders if new construction is right for you

■■ Contact owners of expired listings and “For Sale by Owner” properties

■■ Provide information on schools and the community

Somewhere out there the home of your dreams awaits you. All you have to do is find it! Sure, you can look for it on your own, but why? With an experienced REALTOR® at your side, finding the perfect home is easier, faster and a lot more fun.

(5/13)

The edge you need.

599

Apple, the Apple logo, iPhone, and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android is a trademark of Google Inc. Use of this trademark is subject to Google Permissions. Portions of this page are reproduced from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License.

Featuring Home ScanThe Home Scan feature uses augmented reality to view nearby homes in real time. This makes researching neighborhoods and fi nding open houses fun and easy.

Search smarterUse your device’s GPS to fi nd homes for sale, open houses and recently sold homes near you.

Compare favoritesBrowse large photos and access full listing information.

Make it yoursSave favorites to your myEdinaRealty account, and share them with your friends via email or your social networks.

Work with meAsk me a question, or request a showing with me without ever leaving the app.

Home search made easy Apps for iPad, iPhone and Android

Ask me about my mobile apps!

(01/11)

The edge you need.

Writing Your Offer

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When you find the home that’s right for you, your real estate agent will

work diligently on your behalf to write a purchase agreement and negotiate

favorable terms.The Purchase AgreementThis is a written legal agreement which, if accepted by both you and the seller, binds the sale and begins the closing process. Among other items, it includes:

■■ The price you are willing to pay for the property

■■ The date of the closing and when you will assume possession

■■ Who is expected to pay any special assessments and property taxes

■■ Type of financing package you have chosen

■■ A list of items to be included in the sale (appliances and drapes, for example)

The Negotiation ProcessOnce the purchase agreement has been presented to the seller, the seller’s agent will provide the seller’s response to the terms of your offer. The seller may accept, reject or submit a counter-offer for you to consider. With the counsel of your real estate agent, you then have the option to accept, reject or counter their offer. Once you and the seller reach an agreement, necessary signatures are collected and the transaction moves on to the closing.

The Home InspectionOffers are often written “subject to home inspection,” which means a

buyer doesn’t have to commit to purchasing the home until an inspection

is completed and the results are reviewed. Once your offer has been

accepted, it’s wise to have the home inspected by a professional for an indepth

evaluation of the roof, foundation, mechanicals and other features.

The seller may accept, reject or submit a counter-offer for you to consider.

(01/11)

The edge you need.

Minnesota’s Mandatory Seller Disclosure Law

How You Can Satisfy the Disclosure RequirementThere are three ways you, as the seller, can satisfy the disclosure requirement:

■■ Complete Edina Realty’s Seller Disclosure Statement.■■ Provide an inspection report to the buyer that was

completed by a qualified third party inspector. (Edina Realty’s Home Services Plus™ program can provide this service at an affordable price.) If you choose to provide a third party inspection, you are obligated to review the inspection report and disclose any material defects that are inaccurately reported or omitted in the inspection report.

■■ You and the buyer can agree in writing to waive your obligation, as the seller, to make disclosures. If this is the option you and the buyer choose, the Purchase Agreement must contain the following disclosure statement: “Buyer and seller hereby agree that the buyer is waiving buyer’s right to receive material disclosures from the seller (pursuant to M.S.513.60).”

Again, if the condition of the property changes between the acceptance of a Purchase Agreement and the date of closing, you must subsequently disclose, in writing, the new information to the buyer.

Seller LiabilityA seller who fails to disclose any known material defect is liable to the buyer who may bring action against the seller within two years of the date of closing.

For many years, sellers in

Minnesota voluntarily provided a

disclosure statement to buyers of

their property and were required

to provide disclosures regarding

wells, septic systems, underground

storage tanks and lead paint.

Sellers are now required to provide

disclosures on their property.

The Mandatory Seller Disclosure Law applies to transactions involving single family, condo and townhome properties. The law also applies to all sellers, even “For Sale By Owners,” investors of rental properties and relocation companies. Some exceptions include new construction, vacant land or multiple unit buildings, such as duplexes.

The Disclosure StatementSellers must disclose, to the best of their knowledge, “material facts pertaining to adverse physical conditions of which the seller is aware that could adversely and significantly affect a buyer’s use and enjoyment of the property or any intended use of the property of which seller is aware.” In addition, if the condition of the property changes between the acceptance of a Purchase Agreement and the date of closing, you must subsequently disclose, in writing, the new information to the buyer. The Seller Disclosure Statement must be available to the buyer prior to the buyer writing a Purchase Agreement.

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What Is a Short Sale?A short sale occurs when the home’s sale price is insufficient to pay off the total mortgage(s), closing costs and any other lien balances owed on the home.Typically, banks will document the following before approving you for a short sale:

■■ You are experiencing a financial hardship.■■ You owe more on the mortgage(s) than your home is worth.■■ Your mortgage is in or near default status■■ You do not have a source of assets to pay the difference between the sales price of the home and your remaining mortgage balance(s)

If You’re Considering a Short SaleContact Your Lender. They may offer programs to help you stay in your home, or modify your loan with more affordable monthly payments. Know all your options!

Hire Experienced Professionals. Seek a REALTOR® and a real estate attorney who are experienced with short sales.

Gather Documentation. Typically, lenders will require a hardship letter, federal tax returns (last two years), current paystubs, bank statements and a financial worksheet.

Be Patient. Once a purchase agreement has been submitted to the bank, the approval process can be long, especially when two or more lenders are involved.

568

Fifteen percent of the transactions handled by Edina Realty in 2013 were lender-mediated. We have the experience and track record to help guide you through the complexity of a short sale.

(10/11)

The edge you need.

Our Shared ObjectivesYou, your real estate agent and Edina Realty all share the same goals:

1. To get your home sold at the best possible price

2. To have your transaction proceed smoothly and close successfully

Seller’s Responsibilityn Promptly provide agent with:

– Mortgage Information Release form

– Hardship letter explaining financial situation

– Federal tax returns (two most recent)

– Most recent paystubs (for last month)

– Most recent bank statements (two months)

– Current mortgage statement

– Statements for home equity line of credit, other liens

– Financial worksheet

– A real estate attorneyn Include your agent on all correspondence with the bankn Agree to a reasonable listing price n Prepare and make property available for tours and

showings

REALTOR®’s Responsibilityn Negotiate and manage the process to protect you

before, during and after the salen Serve as liaison for all parties throughout the processn Negotiate with all lien holdersn Develop pricing strategyn Give advice to best prepare the property for showingsn Market the propertyn Network with other agents and buyersn Provide seller with ongoing updates and counseln Negotiate the sale n Assist with closing processn Ensure the transaction is managed with dignity and

discretion

Edina Realty’s Responsibilityn Apply our experience and expertise in lender mediated

sales to your transactionn Offer key support services for short sale clients,

including title professionals and home warranty programs

n Assist agents through timely short sale educational courses and collaborative forums

n Deliver a reputation of credibility and a track record of performance

n Provide broad exposure for your propertyn Supply buyers through our referral network

Working Together for a Successful Short Sale

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IMPORTANT NOTICE: Edina Realty is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offier and use our service, your lender may not agree to change your loan.

(2/13)

The edge you need.

How REALTORS® Are Paid

573

You may rely upon the expertise of a REALTOR® to help you buy or sell a home – but you may not know how your REALTOR® is compensated for his/her professional service.

Did You Know:■■ REALTORS® are self-employed and receive NO salary or benefits. They get no paid vacation time, insurance, company cars or expense accounts from their broker.

■■ REALTORS® are paid only for results – if and when they successfully close a property transaction.

■■ Edina Realty REALTORS® are compensated the same, whether a buyer purchases a home listed by Edina Realty or another broker.

■■ REALTORS® have ongoing out-of-pocket expenses similar to those of any small business.

This chart is an illustration of how a standard real estate commission is divided.

Actual percentages vary

55% retained by listing broker

45% paid to selling broker

Selling agent paid by broker

Listing agent paid by broker

Seller pays 100% commission to listing broker

ER 136-1 (11/10)

AGENCY RELATIONSHIPS IN REAL ESTATE TRANSACTIONS1. Page 1

2. MINNESOTA LAW REQUIRES that early in any relationship, real estate brokers or salespersons discuss with 3. consumers what type of agency representation or relationship they desire.(1) The available options are listed below. This 4. is not a contract. This is an agency disclosure form only. If you desire representation you must enter into a 5. written contract, according to state law (a listing contract or a buyer/tenant representation contract). Until such time 6. as you choose to enter into a written contract for representation, you will be treated as a customer and will not receive 7. any representation from the broker or salesperson. The broker or salesperson will be acting as a Facilitator (see 8. paragraph V on page two (2)), unless the broker or salesperson is representing another party, as described below.

9. ACKNOWLEDGMENT: I/We acknowledge that I/we have been presented with the below-described options. 10. I/We understand that until I/we have signed a representation contract, I/we am/are not represented by the 11. broker/salesperson. I/We understand that written consent is required for a dual agency relationship.

12. THIS IS A DISCLOSURE ONLY, NOT A CONTRACT FOR REPRESENTATION.

13. (Signature) (Date) (Signature) (Date)

14. I. Seller’s/Landlord’s Broker: A broker who lists a property, or a salesperson who is licensed to the listing broker, 15. represents the Seller/Landlord and acts on behalf of the Seller/Landlord. A Seller’s/Landlord’s broker owes to 16. the Seller/Landlord the fiduciary duties described on page two (2).(2) The broker must also disclose to the Buyer 17. material facts as defined in MN Statute 82.68, Subd. 3, of which the broker is aware that could adversely and 18. significantly affect the Buyer’s use or enjoyment of the property. (MN Statute 82.68, Subd. 3 does not apply to 19. rental/lease transactions.) If a broker or salesperson working with a Buyer/Tenant as a customer is representing the 20. Seller/Landlord, he or she must act in the Seller’s/Landlord’s best interest and must tell the Seller/Landlord any 21. information disclosed to him or her, except confidential information acquired in a facilitator relationship (see paragraph 22. V on page two (2)). In that case, the Buyer/Tenant will not be represented and will not receive advice and counsel 23. from the broker or salesperson.

24. II. Subagent: A broker or salesperson who is working with a Buyer/Tenant but represents the Seller/Landlord. In this 25. case, the Buyer/Tenant is the broker’s customer and is not represented by that broker. If a broker or salesperson 26. working with a Buyer/Tenant as a customer is representing the Seller/Landlord, he or she must act in the 27. Seller’s/Landlord’s best interest and must tell the Seller/Landlord any information that is disclosed to him or her. 28. In that case, the Buyer/Tenant will not be represented and will not receive advice and counsel from the broker or 29. salesperson.

30. III. Buyer’s/Tenant’s Broker: A Buyer/Tenant may enter into an agreement for the broker or salesperson to represent 31. and act on behalf of the Buyer/Tenant. The broker may represent the Buyer/Tenant only, and not the Seller/Landlord, 32. even if he or she is being paid in whole or in part by the Seller/Landlord. A Buyer’s/Tenant’s broker owes to the 33. Buyer/Tenant the fiduciary duties described on page two (2).(2) The broker must disclose to the Buyer material facts 34. as defined in MN Statute 82.68, Subd. 3, of which the broker is aware that could adversely and significantly affect 35. the Buyer’s use or enjoyment of the property. (MN Statute 82.68, Subd. 3 does not apply to rental/lease transactions.) 36. If a broker or salesperson working with a Seller/Landlord as a customer is representing the Buyer/Tenant, he or 37. she must act in the Buyer’s/Tenant’s best interest and must tell the Buyer/Tenant any information disclosed to him 38. or her, except confidential information acquired in a facilitator relationship (see paragraph V on page two (2)). In 39. that case, the Seller/Landlord will not be represented and will not receive advice and counsel from the broker or 40. salesperson.

41. I have had the opportunity to review the “Notice Regarding Predatory Offender Information” on (initial) (initial)42. page two. (2)

MN:AGCYDICS-1 (11/10)

ER 136-2 (11/10)

AGENCY RELATIONSHIPS IN REAL ESTATE TRANSACTIONS43. Page 2

44. IV. Dual Agency - Broker Representing both Seller/Landlord and Buyer/Tenant: Dual agency occurs when one 45. broker or salesperson represents both parties to a transaction, or when two salespersons licensed to the same 46. broker each represent a party to the transaction. Dual agency requires the informed consent of all parties, and 47. means that the broker and salesperson owe the same duties to the Seller/Landlord and the Buyer/Tenant. This 48. role limits the level of representation the broker and salesperson can provide, and prohibits them from acting 49. exclusively for either party. In a dual agency, confidential information about price, terms and motivation for pursuing 50. a transaction will be kept confidential unless one party instructs the broker or salesperson in writing to disclose 51. specific information about him or her. Other information will be shared. Dual agents may not advocate for one party 52. to the detriment of the other.(3)

53. Within the limitations described above, dual agents owe to both Seller/Landlord and Buyer/Tenant the fiduciary 54. duties described below.(2) Dual agents must disclose to Buyers material facts as defined in MN Statute 82.68, Subd. 55. 3, of which the broker is aware that could adversely and significantly affect the Buyer’s use or enjoyment of the 56. property. (MN Statute 82.68, Subd. 3 does not apply to rental/lease transactions.)

57. V. Facilitator: A broker or salesperson who performs services for a Buyer/Tenant, a Seller/Landlord or both but 58. does not represent either in a fiduciary capacity as a Buyer’s/Tenant’s Broker, Seller’s/Landlord’s Broker or Dual 59. Agent. THE FACILITATOR BROKER OR SALESPERSON DOES NOT OWE ANY PARTY ANY OF THE FIDUCIARY 60. DUTIES LISTED BELOW, EXCEPT CONFIDENTIALITY, UNLESS THOSE DUTIES ARE INCLUDED IN A 61. WRITTEN FACILITATOR SERVICES AGREEMENT. The facilitator broker or salesperson owes the duty of 62. confidentiality to the party but owes no other duty to the party except those duties required by law or contained in 63. a written facilitator services agreement, if any. In the event a facilitator broker or salesperson working with a Buyer/ 64. Tenant shows a property listed by the facilitator broker or salesperson, then the facilitator broker or salesperson 65. must act as a Seller’s/Landlord’s Broker (see paragraph I on page one (1)). In the event a facilitator broker or 66. salesperson, working with a Seller/Landlord, accepts a showing of the property by a Buyer/Tenant being represented 67. by the facilitator broker or salesperson, then the facilitator broker or salesperson must act as a Buyer’s/Tenant’s 68. Broker (see paragraph III on page one (1)).

69. (1) This disclosure is required by law in any transaction involving property occupied or intended to be occupied by 70. one to four families as their residence.

71. (2) The fiduciary duties mentioned above are listed below and have the following meanings:72. Loyalty - broker/salesperson will act only in client(s)’ best interest.73. Obedience - broker/salesperson will carry out all client(s)’ lawful instructions.74. Disclosure - broker/salesperson will disclose to client(s) all material facts of which broker/salesperson has knowledge 75. which might reasonably affect the client(s)’ use and enjoyment of the property.76. Confidentiality - broker/salesperson will keep client(s)’ confidences unless required by law to disclose specific 77. information (such as disclosure of material facts to Buyers).78. Reasonable Care - broker/salesperson will use reasonable care in performing duties as an agent.79. Accounting - broker/salesperson will account to client(s) for all client(s)’ money and property received as agent.

80. (3) If Seller(s)/Landlord(s) decide(s) not to agree to a dual agency relationship, Seller(s)/Landlord(s) may give up the 81. opportunity to sell/lease the property to Buyer(s)/Tenant(s) represented by the broker/salesperson. If Buyer(s)/ 82. Tenant(s) decide(s) not to agree to a dual agency relationship, Buyer(s)/Tenant(s) may give up the opportunity to 83. purchase/lease properties listed by the broker.

84. NOTICE REGARDING PREDATORY OFFENDER INFORMATION: Information regarding the predatory offender 85. registry and persons registered with the predatory offender registry under MN Statute 243.166 may be 86. obtained by contacting the local law enforcement offices in the community where the property is located, 87. or the Minnesota Department of Corrections at (651) 361-7200, or from the Department of Corrections Web site at 88. www.corr.state.mn.us.

MN:AGCYDISC-2 (11/10)

(06/13)

The edge you need.

Real estate is a complex business, but

the process of buying or selling a home

shouldn’t be. At Edina Realty, we get

the job done right so you can move up,

move away or move on with your life.

As one of the largest independent firms in the nation, Edina Realty has the experience, complementary products and services, powerful marketing muscle and personal approach that inspire confidence and trust.

Behind each Edina Realty REALTOR® is a network of more than 2,100 agents. This powerful sales force works as a team to bring the right buyers and sellers together.

Need a company and a REALTOR® you can count on? Turn to Edina Realty.

We Go “Beyond the Sale” At Edina Realty, we go “beyond the sale,” offering a variety of products and services to enhance your home buying, selling and ownership experience.

Edina Realty: Everything You Need Under One Roof

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The edge you need.

(continued)

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A Family of CompaniesEdina Realty Mortgage Our affiliate, Edina Realty Mortgage (ERM), has been providing a vast menu of mortgage loan products for more than 25 years. Edina Realty Mortgage specializes in first and second mortgages, purchase and refinance products, and investment and vacation homes. For your convenience, mortgage consultants have been conveniently located in most Edina Realty offices. ERM is a joint venture between Edina Realty and Wells Fargo Home Mortgage and is approved to lend in 50 states.

Edina Realty Title Founded in 1986, Edina Realty Title is Minnesota’s largest residential full-service title company. It offers a complete menu of title services including abstracting title insurance, property reports, mortgage closings and new construction services. Edina Realty Title has 19 centers across Minnesota and western Wisconsin.

Edina Realty Insurance Edina Realty Insurance offers a complimentary insurance review (and free quote) with a specialist who will discuss your needs and provide detailed information to help determine which coverage is best for you.

Specialty DivisionsEdina Realty Corporate Services Edina Realty Corporate Services works directly with banks, mortgage servicers, asset management companies and vendors to meet their unique real estate needs, including short sales and REOs. Corporate Services handles third party companies or corporate relocations, which includes every aspect of the transferring process.

Exceptional Properties Customers looking to buy or sell a luxury home will appreciate the expertise, personal attention and extensive networking available through Edina Realty’s Exceptional Properties division.

Lakeshore and Outdoors When it comes to buying or selling recreational or lakeshore properties, our Minnesota/Wisconsin network of offices are known for being leaders in the market. This network allows our customers to search for properties in different geographical areas without changing companies.

New Construction Edina Realty has long been a leader in the sale of new homes. Edina Realty’s new construction team is solely dedicated to the unique needs of building a home and is made up of a combination of experts from our real estate, mortgage and title companies.

Exclusive Programsn Sell My Home is a user-friendly, online tool that

lets sellers access the latest information anytime on the progress and activity of their listing through edinarealty.com.

n Home Impressions, exclusive to Edina Realty, provides home sellers with showing feedback “impressions” from other real estate professionals who’ve toured the home.

n Home Docs™, a web-based online filing system, gives buyers and sellers access to their mortgage and title documents 24/7.

Additional Programn Edina Realty Home Warranty is a service contract

that protects against mechanical breakdowns of systems and appliances of the home.

(06/13)

The edge you need.

More Marketing, More Results Edina Realty is one of the leading real estate advertisers in the area and uses a variety of media channels, such as edinarealty.com and other websites, newspapers, magazines, television, radio, direct mail, outdoor media and social media to get maximum exposure for our listings – which means a quicker sale for you.

Online n EdinaRealty.com is consumers’ one stop for home-

related information and services. Through our website, homebuyers can conduct a customized home search that includes price range, community area, number of bedrooms and much more!

n Open House Directory listings were pioneered by Edina Realty for online use. This features all available open houses from brokers in the area and offers buyers the most current and accurate open house information updated every 10 minutes.

n Multiple Listing Service (MLS®), a computerized service for REALTORS®, provides up-to-the-minute information about thousands of listings – and a prime place where we’ll advertise your property.

n Web Channels is yet another online avenue Edina Realty uses to expose its property listings beyond edinarealty.com. Your property listing details will also appear on over 4,000 real estate broker sites throughout Minnesota and western Wisconsin.

Hotline and Mobile Hotlinen Hotline, our 24-hour interactive telephone system

that receives thousands of calls each week, provides buyers with information about properties any hour of the day or night.

n Mobile Hotline incorporates voice and text – through mobile Web access – to photos and email so listings can be connected to potential buyers.

Print and Yard Signsn Magazines. Edina Realty maintains a strong presence

in magazines produced specifically for buyers and sellers, including our Exceptional Properties publication with a circulation of 27,000 upper-bracket buyers.

n Direct Mail. Professionally-produced direct mail materials promote your property to an audience of potential buyers screened and selected for their demographic profiles.

n Home Profile. This colorful, professionally-produced marketing piece highlights the key selling points of your property.

n “For Sale” Signs. Our red and white yard signs have been prominently displayed for more than 50 years. Our sign is an endorsement of quality, and is trusted and respected by buyers and brokers alike.

E-marketing and Networkingn E-marketing. At Edina Realty, we combine traditional

and e-marketing strategies to help sell your home. This may include e-mail newsletters, e-mailing listings or virtual tours to potential buyers, electronic networking between REALTORS®, electronic invitations to open houses and more.

n Agent and Broker Networking. Each week, our sales associates tour new listings for a first look at the newest properties. We also host “broker opens” where REALTORS® from other companies preview our listings on behalf of their clients.

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Market Leader for the Past 14 Years

Leader in Closed Transactions■■ Edina Realty had 46% more closed transactions than

our next closest competitor (Coldwell Banker Burnet).

■■ Over 24,000 transactions in 2013*

Leader in New Listings Taken■■ Edina Realty listed 15,895 properties in 2013*, 41% more

than our next closest competitor (Coldwell Banker Burnet).

Leader in Lender-Mediated Transactions In 2013, 15% of the transactions handled by Edina Realty were lender-mediated, short sales or lender-owned.

■■ Edina Realty leads the lender-mediated market with 14.4% market share.

■■ Edina Realty has the experience and track record to successfully market and close complex transactions!

*Based on information from the REGIONAL MULTIPLE LISTING SERVICE OF MN, Inc. for 13-county metro area for 2013 and for brokers who had greater than 1 percent market share. This report is based on closed transactions and is deemed reliable but not guaranteed.

For the 14th consecutive year, Edina Realty was the number one real estate firm in the Minnesota and western Wisconsin marketplace.

554

25,000

20,000

15,000

10,000

5,000

0

24,178 Edina Realty

16,551 Coldwell

Banker Burnet

13,669 RE/MAX Results

4,591 RE/MAX

Advantage Plus

3,859 Keller Williams Premier Realty

2,224 Counselor

Realty

(1/13)

The edge you need.

Working Together Seven Days a Week

529

When you list your property with an Edina Realty agent, your home is showcased on the top real estate website in the region, attracting more than 450,000 unique visitors every month and over one million visits.

Additionally, your agent is backed by our own local, fully-staffed customer care team that responds to phone calls and emails seven days a week to maximize your property’s exposure online. We even take customer engagement a step further by providing a Live Chat experience on our website.

Our professional customer care specialists are here to help connect with buyers who are looking at your property online, by scheduling property showings, providing detailed property information and offering to connect them with your listing agent, and providing an overall great customer experience.

Our team of customer care specialists makes sure they respond promptly to each inquiry that comes to edinarealty.com - seven days a week.

Now that’s service!

Source: Google Analytics, rolling monthly average

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Edina Realty Is Proud to be a HomeServices of America, Inc.™ CompanyHomeServices, owned by MidAmerican Energy Holdings Company, a Berkshire Hathaway affiliate, is the second-largest full-service residential real estate brokerage firm and the largest settlement services provider in the U.S. By choosing Edina Realty, you get the dual benefit of our local knowledge and expertise as well as the backing of a company with a strong national presence.

Integrated Real Estate Services Based in Minneapolis, Minnesota, HomeServices specializes in delivering brokerage, mortgage, title and closing, property and casualty insurance, home warranties and other homeownership services. During 2013, HomeServices’ associates facilitated more than $56 billion in residential real estate sales and closed nearly $3.7 billion in home mortgages.

Strength, Stability and ServiceSince becoming a MidAmerican affiliate in 1998, HomeServices has grown from 4,000 agents in three markets more than 22,100 agents in 25 states. HomeServices is proud of its family of companies and sales associates because they know and understand the needs of homeowners. Each of its companies has been in existence for an average of more than 65 years and is regarded for its unparalleled service.

HomeServices of America Is a Proud Berkshire Hathaway Affiliate Berkshire Hathaway was ranked one of the world’s most respected companies according to Fortune’s 2012 ranking.

More information about HomeServices and the locations of its subsidiary companies is available at homeservices.com.

Local Expertise, National Presence

538

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Edina Realty Relocation

542

Local Experts with a Global ReachRelocation is an important part of our business at Edina Realty. That’s why we’ve teamed up with more than 500 premier real estate firms that comprise Leading Real Estate Companies of the World™ (LeadingRE).

Real Estate is a local business. The local brands of Leading Real Estate Companies of the World® dominate in more markets across the U.S., with #1 market ranking in 39% of the top 108 markets – significantly more than our closet national franchise competitor. Once again proving the power of partnering local brands with a pervasive national global network.

A Powerful Networkn 500 Premier real estate

firmsn 4,600 offices and

140,000 associates worldwide

n Serving 30 countries

Available Services n National/international

brokers and agentsn Mortgagen Title

n Insurancen Van line discountsn Rentaln Community profiles and

school information

Transferring Corporations* Below are just some of the companies who’ve taken advantage of our relocation-qualified agents and professional services:

n 3M n Best Buyn Boston Scientificn General Millsn Home Depot

n Medtronicn State Farmn Targetn United Healthcaren US Bancorp

Your Best Move Edina Realty Relocation provides expertise and superior customer service for local, national or global moves. Our goal is to ensure that every Edina Realty Relocation client receives the highest in quality services. Call us today to start your best move: 1.800.328.4344.

*Edina Realty Corporate Services is not the exclusive provider of services to these companies.

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Helping Families Find a Place to Call Home

543

Helping Is Our ResponsibilityEveryone should have a place to call home. That’s exactly what some Edina Realty REALTORS® thought when they helped establish the Edina Realty Foundation in 1996.

The Edina Realty Foundation extends financial support to organizations that provide housing and related services – such as counseling and medical care – to homeless children, has raised more than $7.3 million to help homeless individuals and families in the communities we serve.

Foundation FundingWhen you buy or sell a home with a participating Edina Realty REALTOR®, a percentage of the sale goes to the Edina Realty Foundation to target the issue of homelessness. Today 75 percent of our REALTORS®

contribute a portion of their commissions from home sales to the Foundation. Contributions also come from employees of Edina Realty, Edina Realty Title, Edina Realty Mortgage, Edina Realty Home Services and the general public.

A Company with HeartThanks to the Foundation’s charitable giving, Edina Realty Home Services has joined an elite group of companies recognized for their outstanding contributions to the community through the Minnesota Keystone ProgramSM. This program identifies Minnesota Organizations that donate a percentage of pre-tax profits to Minnesota charities.

“Community Begins at Home”At Edina Realty, we know real estate is rooted in our communities. That’s why each year Edina Realty Home Services’ employees and REALTORS® dedicate a day to work on local community improvement projects.

If you would like additional information about the Edina Realty Foundation , please contact your neighborhood Edina Realty office.

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The edge you need.

Exceptional Resources for Your Exceptional Property

547

Global Exposure for Your Property■■ The Edina Realty Exceptional Properties Division is part of an international real estate network that includes more than 140,000 agents in more than 45 states and 30 countries

■■ Website visitors from over 200 countries/territories every month■■ Site translation in nine languages■■ Your extraordinary home can be marketed coast-to-coast –

and beyond

Highest Level of Professionalism■■ Exceptional Property agents are a dedicated and sophisticated

group of professional Edina Realty agents■■ Exceptional Property agents have the knowledge, support and

experience to skillfully manage the purchase and sale of upper- bracket properties

■■ Exceptional Property agents have access to first-class marketing materials, photography and advertising opportunities

Results-Driven Networking■■ Member agents meet weekly at new Exceptional Property listings

to network properties and seek potential buyers ■■ Members share professional opinions regarding pricing, marketing

and staging ■■ Members strive to maintain a strong collaborative effort to promote

and sell Exceptional Properties

Edina Realty Mortgage

Edina Realty MortgageWhen purchasing a home, you should feel confident that you are working with an established leading lender. Edina Realty Mortgage has served homebuyers for 30 years and originated thousands of loans.

Full Service from Application to ClosingEdina Realty Mortgage delivers quality service from start to finish. Look to us for:

■■ Options to start your application process—in person or by phone

■■ Mortgage preapprovals for qualified borrowers ■■ Knowledgeable in purchase and refinance lending ■■ Complimentary consultations■■ Superior service

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A Powerful TeamOur affiliation with Wells Fargo Home Mortgage, plus our access to many other national lenders, allows us to provide an extensive product line to help meet your home loan needs. We have financing packages for:

■■ First-time homebuyers ■■ Home refinances■■ Investment properties■■ High-end purchases■■ New construction■■ Renovation loans ■■ Relocation

All first mortgage products are provided by Homeservices Lending, LLC dba Edina Realty Mortgage. Edina Realty Mortgage may not be available in your area. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

©2013 Edina Realty Mortgage. All Rights Reserved. NMLSR ID 490683. 958272 Expires 10/31/13 (10/13)

Place your home financing in experienced hands – Edina Realty Mortgage.

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The edge you need.

What Is Title Insurance?

574

Buying a home is probably the biggest financial commitment you’ll ever make. But buying a home isn’t just a dollars-and-cents investment – it’s an investment in your life. To assist you in the process, Edina Realty has all the home buying products and services you need. And best of all, we’ll be with you every step of the way.

There are two kinds of title insurance: a lender’s title policy and an owner’s title policy. Often, a title insurance company– such as Edina Realty Title – will offer a discount if you purchase both lender’s and owner’s policies at the same time.

Lender’s Title PolicyTo protect their investment in your property, mortgage lenders require buyers to purchase a lender’s title policy:

■■ Mandatory for buyers to purchase

■■ Protects the mortgage lender

■■ Covers title defects, easement problems, judgments or liens

■■ Remains in effect until the mortgage is paid off

Owner’s Title PolicyTo protect your interest as the homeowner, you need an owner’s title policy. This pays for all court costs and related fees associated with any claim that might come up. If a claim is found to be valid, your actual loss – up to the face amount of the policy – is covered:

■■ Optional for buyer to purchase – but a small investment for peace of mind

■■ Protects you, the buyer, against title defects, easements, judgments or liens

■■ Pays for court costs and fees associated with claims, plus any other losses.

■■ Covers you and your heirs forever – even after you sell the property

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The Power of Edina Realty Networking

567

Networking is all about the exchange of information, and Edina Realty has the clear advantage for sellers and buyers.

Network One – Edina Realty Exclusiven A powerful inter-company networking system for

2,200 agentsn Allows Edina Realty agents to quickly match

buyers with sellers n See results before listings are posted to the MLS

Office Toursn Hosted weekly by Edina Realty agents to promote new

listingsn Typically well-attended by Edina Realty agents and

other active agents who work in your arean One of these agents may be working with the buyer for

your property

Weekly Sales Meetingsn Edina Realty agents network pre-listings, buyer needs

and moren Information is shared with surrounding offices n Details can be sent to any Edina Realty office in the region

Edina Realty is 2,200 agents strong and serves the region with 60 sales offices.

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Edina Realty – A Long, Proud Tradition of Serving Our Clients

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Enduring StrengthToday, Edina Realty is one of the nation’s largest real estate companies with more than:

n 60 real estate offices throughout Minnesota and western Wisconsin

n 2,200 REALTORS®

n Over 35,000 transactions in 2013n $8.0 billion in annual sales

Edina Realty’s unprecedented growth testifies to the strength of our REALTORS® and employees, as well as our ongoing dedication to following Emma Rovick’s founding principles.

Going Beyond the SaleAs an industry leader, Edina Realty continually looks for new ways to serve our customers better and offer products and services for the entire home ownership experience. Through the Edina Realty Home Services family of companies and affiliated partnerships, we’re here to help you:

n Buyn Sell n Finance n Purchase home insurance

Humble beginnings. Enduring strength. Continuing the tradition since 1955.

In 1955, Edina, Minnesota, housewife Emma Rovick borrowed $2,000 to purchase a struggling real estate firm in order to earn enough money to buy a piano for her daughter. With the help of three sales people, Emma and her small company managed to sell $2 million in real estate that first year. Through Emma’s effective leadership, business acumen and guiding principles of honesty, integrity and commitment, the company began to establish a reputation for quality throughout the Twin Cities area.

n Warranty your homen Move or relocate n Rent