57 Upland RoadWaltham, MA

www.MikeHughesTeam.comwww.57Upland.com

617-433-9225

Mike Hughes TeamRE MAX On The Charles

Sales offerings are made subject to errors, omissions, change of price, prior sale or withdrawal without notice. Buyer is responsible for all due diligence. All Brokers/Salesperson represent the Seller, not the Buyer in the marketing and negotiating and sale of property, unless otherwise disclosed. However, the Broker or Salesperson

has an ethical and legal obligation to show honesty and fairness to the buyer in all transactions.

Scan To View Interactive Floor Plan &

Room Planning

57 Upland Road Waltham, MA

DESIGN Style Cape Cod Year Built 1953 Rooms 5 Bedrooms 3 Baths 1.5 Living Area 1,363

STRUCTURE Color Sea Mist Hot Water Radiators Replacement Windows

ADDITIONAL Newer Roof Freshly Painted Refinished Hardwoods Walk-out Basement

APPLIANCES Range Hookup Washing Machine Hookup Dryer Hookup

LIVING AREAS First Level Livingroom Diningroom Kitchen Bedroom Bathroom Mudroom

Second Level Bedroom Bedroom Bathroom

Living Areas Continued Basement Utility & Storage

UTILITIES Heat Oil Water Town Sewer Town Cable Internet

Disclosures: See MLS Sheet

Mike Hughes ­ (MLS) Open House & Property Search: www.MikeHughesTeam.comMLS # 71836932 ­ New Single Family ­ Detached57 Upland Rd List Price: $425,000Waltham, MA 02451­2987Middlesex CountyStyle: Cape Total Rooms: 5Color: Sea Mist Bedrooms: 3Grade School: Plympton Bathrooms: 1f 1hMiddle School: Kennedy Master Bath:High School: Waltham High Fireplaces: 1Handicap Access/Features:Neighborhood/Sub­Division: Waltham HighlandsDirections: Bacon => Plympton => Upland Rd.

RemarksDiscover why so many people consider the Waltham Highlands the best neighborhood in Waltham. This classic 3 bedroom 1.5bath cape is only 6 doors away from 250 acres of conservation land and lookouts that offer breathtaking views of Boston'sskyline. Around the corner we have convenient corner stores and EZ commuter bus access to Boston. Up for a stroll? Noproblem ... in no time you can walk to the shops and restaurants on Moody Street. This neighborhood with diversearchitecture and mature flowering trees is a great place to call home. For the days you do decide to stay home, the freshlypainted walls and refinished hardwood floors in the front to back living room/ dining room combo offer an oasis on the hill.The unfinished walkout basement opens to a level yard and awaits it's next owner's decision (finish, storage, workshop? youdecide). Ample parking, replacement windows, new roof and convenient to everything. Call today!

Property InformationApprox. Living Area: 1363 sq.ft.

Approx. Acres: 0.11 (4930 sq. ft.) Garage Spaces: 0  ­­

Living Area Includes: Heat Zones: 1  Hot Water Baseboard,Oil

Parking Spaces: 4  Off­Street, Improved Driveway, PavedDriveway

Living Area Source: PublicRecord

Cool Zones:   None Approx. Street Frontage:

Living Area Disclosures: Floor Plan Available.Disclosures: Retainer wall and deck as­is ... retainer wall has been that way "forever."

Room Levels, Dimensions and FeaturesRoom Level Size FeaturesLiving Room: 1 Fireplace, Closet, Flooring ­ Hardwood, Flooring ­ Wood, Window(s) ­ Picture,

Main Level, Cable Hookup, Exterior Access, Open Floor PlanDining Room: 1 Flooring ­ Hardwood, Flooring ­ Wood, Main Level, Open Floor PlanKitchen: 1 Bathroom ­ Half, Flooring ­ Vinyl, Pantry, Main Level, Exterior AccessMaster Bedroom: 1 Closet, Flooring ­ Hardwood, Flooring ­ Wood, Main LevelBedroom 2: 2 Closet, Flooring ­ Hardwood, Flooring ­ WoodBedroom 3: 2 Closet, Flooring ­ Hardwood, Flooring ­ WoodBath 1: 1 Bathroom ­ Half, Flooring ­ Vinyl, Main LevelBath 2: 2 Bathroom ­ Full, Bathroom ­ Tiled With Tub, Flooring ­ Stone/Ceramic TileLaundry: B Dryer Hookup ­ Electric, Washer Hookup

FeaturesAppliances: DisposalArea Amenities: Public Transportation, Shopping, Park, Walk/Jog Trails, Medical Facility, Laundromat,Conservation Area, Highway Access, House of Worship, Private School, Public School, T­Station, UniversityBasement: Yes   Full, Walk Out, Interior Access, Concrete FloorBeach: NoConstruction: FrameElectric: Circuit BreakersEnergy Features: Insulated Windows, Storm DoorsExterior: VinylExterior Features: Deck, Deck ­ Wood, Gutters, Screens, Garden AreaFlooring: Wood, Tile, Vinyl, HardwoodFoundation Size:Foundation Description: Poured ConcreteHot Water: TanklessInsulation: Partial, UnknownInterior Features: Cable Available, Whole House FanLot Description: Paved Drive, Cleared, Level

 

Other PropertyInfoDisclosureDeclaration: NoExclusions:Home Own Assn: NoLead Paint:UnknownUFFI:   WarrantyFeatures: YesYear Built: 1953 Source: PublicRecordYear BuiltDescription:ApproximateYear Round: YesShort Sale

Road Type: Public, Paved, Publicly Maint.Roof Material: Asphalt/Fiberglass ShinglesSewer Utilities: City/Town SewerUtility Connections: for Electric Range, for Electric Oven, for Electric Dryer, Washer HookupWater Utilities: City/Town WaterWaterfront: No

w/Lndr.App.Req: NoLender Owned: No

TaxInformationPin #: M:049B:004 L:0023Assessed:$334,600Tax: $4393  TaxYear: 2015Book: 8606  Page:527Cert:Zoning Code: 1Map:   Block:   Lot:

57 Upland Road Floor plan by 2015

Measurements may not be 100% accurate Floor plans are provided for convenience only

Rooms sizes are not used to calculate area

Vis-Home

dn

CL

CL

Bedroom19' x 11'

CL

CL

Bedroom19' x 12'

CL

up

dn

CL

Living DiningRoom

23' x 12'

Kitchen17' x 10'

CL

Bedroom13' x 12'

CL

MudRoom8' x 4'

CL

Fr

up

Storage33' x 23'

Bonus Room13' x 12'

Upper

Main

Lower

City of Waltham October 24, 2014Waltham GIS Map

This map is for reference and planning purposes only. It isprepared for the inventory of real property within the City ofWaltham and is compiled from tax maps,recorded deeds andplats. Users of this tax map are hereby notified that theaforementioned public primary information sources should beconsulted for the verification of the information contained onthis map. The City of Waltham and its mapping contractorsassume no legal responsibility for the information containedherein.

Tax Map City BoundarySwimming PoolsBridges

StreamsParcels

BuildingsBuilding FootprintDECKPrivate Walkways

DocuSign Envelope ID: D5260673-412D-4037-A411-14273762169C

P R O P E R T Y T R A N S F E R N O T I F I C AT I O N C E R T I F I C AT I O NThis form is to be signed by the prospective purchaser before signing a purchase and sale agreement or a memorandum of agreement,or by the lessee-prospective purchaser before signing a lease with an option to purchase for residential property built before 1978, forcompliance with federal and Massachusetts lead-based paint disclosure requirements.Required Federal Lead Warning Statement:Every purchaser of any interest in residential property on which a residential dwelling was built prior to 1978 is notified that suchproperty may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Leadpoisoning in young children may produce permanent neurological damage, including learning disabilities, reduced intelligencequotient, behavioral problems and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The seller of anyinterest in residential real property is required to provide the buyer with any information on lead-based paint hazards from riskassessments or inspections in the seller's possession and notify the buyer of any known lead-based paint hazards. A risk assessment orinspection for possible lead-based paint hazards is recommended prior to purchase.S e l l e r ' s D i s c l o s u r e

(a) Presence of lead-based paint and/or lead-based paint hazards (check (i) or (ii) below):(i) Known lead-based paint and/or lead-based paint hazards are present in the housing (explain).

(ii) X Seller has no knowledge of lead-based paint and/or lead-based paint hazards in the housing.(b) Records and reports available to the seller (check (i) or (ii) below):

(i) Seller has provided the purchaser with all available records and reports pertaining to lead-based paint and/or lead-basedpaint hazards in the housing (check documents below).I I Lead Inspection Report: I I Risk Assessment Report: I I Letter of Interim Control: I I Letter of Compliance(ii) X Seller has no reports or records pertaining to lead-based paint and/or lead-based paint hazards in the housing.

Purchaser's or Lessee Purchaser's Acknowledgment (initial)(c ) Purchaser or lessee purchaser has received copies of all documents checked above.(d ) Purchaser or lessee purchaser has received no documents.(e ) Purchaser or lessee purchaser has received the Property Transfer Lead Paint Notification.(f ) Purcha.ser or lessee purchaser has (check (i) or (ii) below):

(i ) received a 10-day opportunity (or mutually agreed upon period) to conduct a risk as.sessment or inspection for thepresence of lead-based paint and̂ r lead-based paint hazards; or(ii ) waived the opportunity to conduct a risk asse.ssment or inspection for the presence of lead-based paint and/orlead-based paint hazards.

Agent's Acknowledgment (initial)(g) I flii fitH Agent has informed the seller of the seller's obligations under federal and state law for lead-based paint disclosure andnotification, and is aware of his/her responsibility to ensure compliance.(h ) Agent has verbally informed purchaser or lessee-purchaser of the possible presence of dangerous levels of lead in paint,plaster, putty or other structural materials and his or her obligation to bring a property into compliance with the Massachusetts LeadLaw - either through full deleading or interim control - if it was built before 1978 and a child under six years old resides or will residein the property.

Certification of AccuracyThe following parties have reviewed the information above and certify, to the best of their knowledge, that the information they haveprovided is true and accurate., D o r U y

D a t e S e l l e r D a t eT a r a n t o

P u r c h a s e r D a t e P u r c h a s e r D a t e

. , , , 0 3 5 / 1 3 / 2 0 1 5A 2 e A ' 5 t u , A . . , - . i A ^ . ' . D a t e A g e n t D a t eH u g h e sAddress of Property / Unit 57 upland Road. Waltham. MR 02451CLPPP Fomi 94-3,6/30/94, Rev. 9/02 ^ ^

Produced with zipForm® by zipLogix 18070 Rfteen Mile Road, Fraser, Michigan 48026 www.zipLoaix.cotn 57 Upland Road,

Mortgage Payment Options for 57 Upland Rd ­ Waltham, MA 02451 ­ MLS: 71836932

Jason EvansNMLS ID 21205  (508) 850­4348

E­mail JasonView Website

Mortgage MasterJason Evans NMLS ID 21205

(508) 850­4348E­mail Jason Evans

30 YearFixed

15 YearFixed

FHA 30Year Fixed

 Down Payment: $85,000 $85,000 $14,875^*Mortgage Paymt: $1,551 $2,348 $1,816 Rate: APR:

3.625%3.638%

3.000%3.018%

3.250%3.943%

 Taxes: (Est.) $531 $531 $531 Ins./HOA Dues: $67 $67 $67 PMI: $0 $0 $296 Mo. Payment: $2,149 $2,947 $2,710^*

Personalize YourMortgage

Estimated Sales Price: $ 

Down Payment:Amount or Percent

$    20%

Asking Price of $425,000 with a Down Payment of 20.0% and a Loan Amount of $340,000. ^*FHA loans allow for a 3.5% Down Payment. MonthlyPayment amounts above are based on estimates, may be greater and may not apply to your situation and can change without notice. Click KeyInfo for required disclosure. Est. = Estimated, Ins. = Home Owners Insurance Click here for relationship disclosure.

The information in this listing was gathered from third party sources including the seller and public records. MLS Property Information Network and its subscribers disclaim any andall representations or warranties as to the accuracy of this information. Content ©2015 MLS Property Information Network, Inc.

Call: 617­433­9225 ­ Thank you for your referrals!

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Departments

Department Address Phone

Animal Control155 Lexington StWaltham, MA 02452

781­314­3596

Assessor's Department610 Main StreetWaltham, MA 02452

781­314­3200

Auditor’s Department610 Main StreetFirst FloorWaltham, MA 02452

(781)314­3220

Auxiliary Fire Department27 Lexington StreetWaltham, MA 02452

Board of Survey and Planning165 Lexington StreetWaltham, MA 02452

(781) 314­3803

Building Department119 School StreetGovernment Center, Lower LevelWaltham, MA 02451

(781) 314­3275

Cemetery Department203 Prospect StreetWaltham, MA 02453

(781) 314­3495

City Clerk610 Main StreetCity Hall Second FloorWaltham, MA 02452

(781) 314­3120

City Council

Community Preservation (781) 314­3117

Conservation Commission119 School Street, Lower LevelWaltham, MA 02451

781­314­3845

Consolidated Public Works165 Lexington StWaltham, MA 02452

(781) 314­3800

Council on Aging488 Main StreetWaltham, MA 02452

(781) 899­7228(781) 314­3499

Elections

Emergency Management27 Lexington StreetWaltham, MA 02452

781­314­3198 (Main)781­314­3296 (Environmental Specialist)

Engineering119 School StreetWaltham, MA 02451­4596

(781) 314­3830(781) 314­3830 (Permitting & Infiltration & Inflow)(781)314­3855 (Dispatch)

Fire Department175 Lexington StreetWaltham, MA 02452

Business: (781) 314­3710Dispatch Non­Emergency (781) 893­4105MA Non­Emergency Helpline Following Major Disasters 2­1­1

Geographic Information Systems (GIS)21 Lexington StreetWaltham, MA 02451

Health Department119 School StreetWaltham, MA 02451

(781) 314­3305 ­ Main Number(781) 314­3305 ­ Main Number(781) 314­3865 ­ Office of Weights and Measures

Housing DivisionGovernment Center, Top Floor119 School Street, Suite 24Waltham, MA 02451

(781) 314­3380

Information Technology21 Lexington St.Waltham, MA 02452

(781) 314­3014

Law Department119 School StreetWaltham, MA 02451

(781) 314­3330

735 Main Street

Home Where Do I Go For...? City Council Mayor’s Office Departments Boards/Committees

City of Waltham     City Hall Hours: 8:30 ­ 4:30, Monday through FridayCity Hall Address, 610 Main Street, Waltham, MA 02452 (781) 314­3000 Website Disclaimer & Privacy Policy  Virtual Towns & Schools Website

Library Waltham, MA 02451 (781) 314­3425

Licensing Department119 School StreetWaltham, MA 02451

(781) 314­3420

Local Emergency Planning27 Lexington StreetWaltham, MA 02452

Maintenance Department119 School Street1st floor ­ Wires DepartmentWaltham, MA 02453

(781) 314­3190(781) 314­3191

Mayor's OfficeCity Hall Second Floor610 Main StreetWaltham, MA 02452

(781) 314­3100Email: mayor@city.waltham.ma.us

Park Maintenance

Parking Meters DivisionGovernment Center119 School StreetWaltham, MA 02451

(781) 314­3400

Personnel Department119 School StreetWaltham, MA 02451

(781) 314­3355

Planning Department119 School StreetTop FloorWaltham, MA 02451

(781) 314­3370

Police Department155 Lexington StWaltham, MA 02454

Chief's Office: (781) 314­3500Administrative/Training: (781) 314­3520Community Services: (781) 314­3580Detectives: (781) 314­3550Operations: (781) 314­3600Non Emergency: (781) 893­3700

Public Vehicles DepartmentCity Garage171 Lexington StreetWaltham, MA 02451

(781) 314­3860

Purchasing Department610 Main StreetPurchasing DepartmentWaltham, MA 02452

781­314­3243

Recreation Department510 Moody StreetWaltham, MA 02453

(781) 314­3475(781) 314­3474 ­ Veteran's Memorial Rink

Recycling Department165 Lexington St.Waltham, MA 02451

Information Hotline: (781) 314­3390

School Department

Stonehurst100 Robert Treat Paine DriveWaltham, MA 02452

(781) 314­3290

Street and Forestry (781) 314­3855

Traffic Engineering119 School StreetWaltham, MA 02451

(781) 314­3400

Treasurer / Collector Department610 Main St.Waltham, MA 02452

(781) 314­3250

Veterans' Services119 School StreetRoom 15Waltham, MA 02451

(781) 314­3415

Waltham 9­1­1 Emergency Telecommunication Center161 Lexington St.Waltham, MA 02452

(781) 893­4100

Waltham Housing Authority110 Pond StreetWaltham, MA 02451

781­894­3357

Water & Sewer Division169 Lexington StreetWaltham, MA 02452

(781) 314­3810 (Billing Inquires)

Wires Department119 School Street, Room 12Waltham, MA 02452

(781) 314­3175

I. COVERAGEDuring the coverage period, HWA’s sole responsibility will be to arrange for a qualified service contractor (“Service Provider”) torepair or replace, at HWA’s expense (up to the limits set forth below), the systems and components mentioned as “Included” inaccordance with the terms and conditions of this contract so long as such systems and components:A. Are located inside the confines of the main foundation of the home or attached or detached garage

(with the exception of the exterior pool/spa, well pump, septic tank pumping and air conditioner); andB. Become inoperative due to normal wear and tear, including breakdowns due to insufficient maintenance

if at the time the issue or breakdown was unknown; andC. Are in place and in proper working order on the effective date of this home warranty contract.It is understood that HWA™ IS NOT A SERVICE PROVIDER and IS NOT ITSELF UNDERTAKING to repair or replace any such sys-tems or components. It is further understood that HWA’s obligation to pay for the repair or replacement of covered systems and components is limitedto $5,000 per covered item and $15,000 in the aggregate.This contract only covers single-family homes, town homes and condominiums (including manufactured housing) under 5,000square feet, unless an alternative dwelling type (i.e. 5,000 square feet or more, new construction or multiple units) is applied forby phoning 1-888-HWA-RELY. Coverage is for owned or rented residential-use property, not commercial property or residentialproperty converted into a business.This contract describes the basic coverage and options available. For the specific coverage detail on your home, see the front ofthis contract as it relates to Articles IV, V & VI. Coverage includes only the items stated as included and excludes all others. Coverageis subject to limitations and conditions specified in this contract. Please read your contract carefully. Note: this is not acontract for insurance.

II. COVERAGE PERIODHome seller’s coverage for the listing and sale period starts the date the application is received and accepted by HWA™ andcontinues until the expiration of the initial listing period (up to 180 days or until close of sale or listing cancellation whicheveris first). Free listing coverage is only available if residence is listed with a licensed real estate professional, and the listing resi-dence is owner occupied at time order is placed. If a telephone application is received, then coverage will start immediatelyupon issuance of a confirmation number by HWA™. HWA™ reserves the option to extend seller’s coverage after 180 days.Home Owner’s and Buyer’s coverage begins and ends pursuant to the period noted at the top front of this contract providedpayment is made in full on or before the first day of the period. HWA™ provides a 14-day payment grace period for contractsinvolved in a real estate transaction and ordered by a licensed real estate professional, title company or financial institution.New construction coverage is available (call for quote for 2, 3, and 4 year terms) and begins one year after the date of closing.

III. SERVICE CALLS… FOR SERVICE CALL: 1-888-HWA-RELYA. You or your agent (including tenant) must notify HWA™ for work to be performed under this contract as soon as the prob-

lem is discovered. HWA™ will accept service calls 24 hours a day, 7 days a week, 365 days a year at 1-888-HWA-RELY. Noticeof any malfunction must by given to HWA™ prior to expiration of this contract.

B. HWA™ will immediately dispatch your call to a Service Provider (48 hours on weekends and holidays). HWA™ will deter-mine what repairs constitute an emergency and will make reasonable efforts to expedite emergency service (emergency usu-ally considered to be loss of life or peril). If you should request HWA™ to perform non-emergency service outside of normalbusiness hours, you will be responsible for any additional fees and/or overtime charges.

C. HWA™ has the sole and absolute right to select the Service Provider to perform the service; and HWA™ will not reimbursefor services performed without its prior approval. Wisconsin residents refer to section XIII.B.

D. You will pay $50.00 or $100.00 (see the front of this contract for specific trade call fee) for each trade service call, (“TradeCall Fee”) or the actual cost, whichever is less. The Trade Call Fee is for each visit by an HWA™ approved Service Provider,except as noted in this Article III (E), and is payable to the HWA™-approved Service Provider at the time of each visit. Thetrade call fee applies to each call dispatched and scheduled, including but not limited to those calls wherein coverage isincluded, excluded, or denied. The trade call fee also applies in the event you fail to be present at a scheduled time, or inthe event you cancel a service call at the time a service contractor is in route to your home or at your home. Failure to paythe Trade Call Fee will result in suspension of coverage until such time as the proper Trade Call Fee is paid. At that time, cov-erage will be reinstated, but the contract period will not be extended.

E. If service work performed under this contract should fail, then HWA™ will provide for the necessary repairs without an addi-tional Trade Call Fee for a period of 90 days on parts and 30 days on labor.

IV. COVERED SYSTEMS AND APPLIANCESThe following items labeled “Included” are covered for the home seller and home buyer for all other programs. Certain limitationsof liability apply to Included systems and appliances. (See Articles I, II, III, VII, VIII, & IX).A. PLUMBING SYSTEM

INCLUDED: Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots - Toilet tanks,bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals - Instant Hot WaterDispensers - Valves for shower, tub, and diverter angle stops, rinses and gate valves - Permanently installed interiorsump pumps (used for storm water only) - Built-in bathtub whirlpool motor and pump assemblies, except:

EXCLUDED: Stoppages/Clogs - Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settle-ment and/or roots - Fixtures, cartridges, shower heads & shower arms - Bathtubs and showers - Shower enclosuresand base pans - Bath tub drain mechanisms - Sinks - Toilet lids and seats - Cabling or grouting - Whirlpool jets - Septictanks - Water softeners - Pressure regulators - Inadequate or excessive water pressure - Flow restrictions in fresh waterlines caused by rust, corrosion or chemical deposits - Sewage ejector pumps - Holding or storage tanks - Saunas orsteam rooms - Back up and battery sump pump systems - Polybutylene piping - hose bibs - Basket strainers.

Fixtures and Cartridges, faucets, shower heads and shower arms (replaced withchrome builders standard) - Interior Hose bibs - Toilets of like quality ($500 limit) - Stoppages/clogs which can becleared with standard sewer cable one time only.

B. WATER HEATER (GAS, TANKLESS, ELECTRIC OR OIL)INCLUDED: All components and parts, including circulating pumps, except:EXCLUDED: Solar water heaters - Solar components - Fuel, holding or storage tanks - Noise - Energy management systems

- Flues and vents - Problems resulting from sediment - Commercial grade equipment and units exceeding 75 gallons- Drain Pans and Drain Lines - HWA™ will pay no more than $1,000 for repair or replacement of Tankless or Oil WaterHeaters and the like.

Problems caused by sediment.C. ELECTRICAL SYSTEM

INCLUDED: All components and parts, including built-in exhaust fans, except:EXCLUDED: Fixtures - Carbon monoxide alarms, detectors or related systems - Intercoms and door bell systems associated

with Intercoms - Inadequate wiring capacity - Solar power systems and panels - Direct current (D.C.) wiring or com-ponents - Attic fans - Commercial grade equipment - Damages due to power failure or surge, or loads greater thanthe system’s design - Circuit Overload - Solar Components - Energy Management Systems.

D. KITCHEN APPLIANCES1. Dishwasher (Built-in or Portable)INCLUDED: All components and parts, except:EXCLUDED: Racks - Baskets - Rollers - Door seals.

Racks - Baskets - Rollers - Door seals.2. Garbage DisposalINCLUDED: All components and parts, including entire unit.EXCLUDED: Problems and/or jams caused by bones and foreign objects other than food.3. Built-in Microwave OvenINCLUDED: All components and parts, except:EXCLUDED: Interior linings - Door glass - Clocks - Shelves - Portable or counter top units - Meat probe assemblies - Rotisseries

- Door seals - Lighting and handles - Glass.

Interior linings - Rotisseries - Clocks - Door seals - Lighting and handles.4. Range/oven/cooktop (Gas or Electric; Built-in, Portable or Free Standing)INCLUDED: All components and parts, except:EXCLUDED: Clocks (unless they affect the cooking function of the oven) - Meat probe assemblies - Rotisseries - Racks - Handles

- Knobs - Sensi-heat burners will only be replaced with standard burners - Door seals - Lighting and Handles - Glass.

Racks - Rotisseries - Clocks - Door seals - Lighting - Handles and Knobs.5. Trash Compactor (Built-in or Portable)INCLUDED: All components and parts, except:EXCLUDED: Lock and key assemblies - Removable buckets - Door seals.

Removable buckets - Door seals.E. DOOR BELLS

INCLUDED: All components and parts.EXCLUDED: Door Bells associated with Intercom Systems.

F. CEILING FANS AND EXHAUST FANSINCLUDED: Motors - Switches - Controls - Bearings - Blades.EXCLUDED: Whole house fans - Belts - Shutters - Filters - Lighting. HWA™ will pay no more than $400 maximum aggre-

gate per contract.G. CENTRAL VACUUM

INCLUDED: All mechanical system components and parts except:EXCLUDED: Duct Work – Blockages – Accessories. HWA™ will pay no more than $400 maximum aggregate per contract

for diagnosis and repair of each vacuum.H. BURGLAR AND FIRE ALARM SYSTEMS

INCLUDED: All components and parts, except:EXCLUDED: Any wiring or parts located outside the main confines of the foundation of the home - Batteries - Video cam-

eras - Video monitors - Sprinkler alarms & systems. HWA™ will pay no more than $400 maximum aggregate per con-tract for diagnosis and repair of each burglar and fire alarm system.

I. GARAGE DOOR SYSTEMSINCLUDED: All components and parts, except:EXCLUDED: Garage doors - Infra-red sensors - Chains - Tracks - Rollers - Springs - Remote receiving/transmitting devices.

Remote receiving/transmitting devices.

V. ADDITIONAL COVERAGE OF THE FOLLOWING ITEMS FOR THE HOME BUYERS OF all plans AVAILABLE ONLYAFTER CLOSE OF SALE AND OPTIONAL TO THE HOME SELLER OF THE GOLD, PLATINUM AND DIAMOND PLANS:If the seller’s option is taken, then 1) Seller’s limitations of liability still apply; and 2) the following covered items in this section aresubject to a maximum combined $500 limitation during the listing period.A. HEATING SYSTEM - PRIMARY GAS, OIL, OR ELECTRIC HEATER, HEAT PUMP, INCLUDING GEOTHERMAL

AND/OR WATER SOURCE HEAT PUMP OR BUILT-IN WALL UNIT (IF MAIN SOURCE OF HEAT TO HOME NOTEXCEEDING 5 TON CAPACITY AND DESIGNED FOR RESIDENTIAL USE).INCLUDED: All components and parts necessary for the operation of the system (including heat pumps which cool or heat

the home), For geothermal/water source heat pumps, all components and parts that are located within the foundationof the home or attached garage, For units below 13 SEER and/or R-22 equipment and when HWA™ is unable to facil-itate repair/replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair/replace-ment will be performed with 13 SEER equipment, R410A equipment and/or 7.7 HSPF or higher compliant. except:

EXCLUDED: Baseboard casings - Oil storage tanks - Portable units - Solar heating systems - Fireplaces and key valves - Filters- Electronic air cleaners - Registers - Grills - Clocks - Timers - Heat lamps - Fuel Storage Tanks - Flues and Vents -Humidifiers - Commercial grade equipment - Gas Heat Pump Systems - Improper use of metering devices (ie. thermalexpansion valves) – Outside or underground piping and components for geothermal and/or water source heat pumps- HWA™ is not responsible for the costs associated with matching dimensions, brand or color made – Except for whenOption VI.H. is purchased with this contract, HWA™ will not pay for any modifications necessitated by the repair ofexisting equipment or the installation of new equipment - Condensate pumps - Electronic, computerized, and man-ual systems management and zone controllers - After market inducer fan motors - Pellet Stoves - Cable heat – Woodstoves - Solar Heating and Components - Cost for crane rentals. During the period of Buyer’s coverage, HWA™ willpay no more than $1,500 per covered item for diagnosis, access, and repair or replacement of any hot water or steamcirculating heating systems, geothermal system and/or water source heat pump or any glycol system.

Filters and Heat Lamps.B. DUCTWORK

INCLUDED: Duct from heating unit to point of attachment at registers or grills, except:EXCLUDED: Registers and grills - Insulation - Asbestos-insulated ductwork - Flues, vents and breaching - Ductwork exposed

to outside elements - Separation due to settlement and/or lack of support - Damper Motors - Electronic, computer-ized, and manual systems management and zone controllers - Diagnostic testing of, or locating leaks to ductwork,including but not limited to, as required by any federal, state or local law, ordinance or regulation, or when requireddue to the installation or replacement of system equipment. When covered repairs require access to ductwork, HWA™will only provide diagnosis, repair, sealing, or replacement to ductwork through unobstructed walls, ceilings or floors(obstructions include but are not limited to floor coverings, appliances, systems and cabinets). If the ductwork is acces-sible only through concrete encased floor, wall, or ceiling, HWA™ will pay no more than $500 for diagnosis, repairor replacement of such ductwork, including returning the access to rough finish, but will not cover any costs as a resultof or determined by diagnostic testing.

C. AIR CONDITIONING/COOLER (NOT EXCEEDING 5 TON CAPACITY AND DESIGNED FOR RESIDENTIAL USE)INCLUDED: Ducted electric central air conditioning, ducted electric wall air conditioning, geothermal/water source heat

pumps, and water evaporative coolers - All components and parts, For geothermal/water source heat pumps, all com-ponents and parts that are located within the foundation of the home or attached garage, for units below 13 SEERand/or R-22 equipment and when HWA™ is unable to facilitate repair/replacement of failed covered equipment atthe current SEER rating or with R-22 equipment, repair/replacement will be performed with 13 SEER equipment,R410A equipment, and/or 7.7 HSPF or higher compliant. except:

EXCLUDED: Gas air conditioning systems - Condenser casings - Registers and Grills - Filters - Electronic air cleaners - Windowunits - Non-ducted wall units - Water towers - Humidifiers - Improperly sized units - Chillers and Chiller Components- Commercial grade equipment - Outside or underground piping and components for geothermal and/or watersource heat pumps - All exterior condensing, cooling and pump pads - Roof mounts, jacks, stands or supports -Condensate pumps - Electronic, computerized, and manual systems management and zone controllers - Air condi-tioning with mismatched condensing unit and evaporative coil per manufacturer specifications – Improper use ofmetering devices (ie. thermal expansion valves) - HWA™ is not responsible for the costs associated with matchingdimensions, brand or color made – Except for when Option VI.H. is purchased with this contract, HWA™ will not payfor any modifications necessitated by the repair of existing equipment or the installation of new equipment or addi-tional costs associated with evacuating the system of R-22 or cleaning the system of R-22 - Cost for crane rentals.

Filters, costs related to Freon recapture and window units.

VI. OPTIONAL COVERAGE AVAILABLE ONLY TO HOME BUYER (NOTE: ITEMS B, C AND D ARE INCLUDED INTHE BASE COVERAGE FOR HOME BUYERS AND SELLERS OF THE PLATINUM AND DIAMOND PLANS, AND ITEM G ISALSO INCLUDED IN THE BASE COVERAGE FOR HOME BUYERS OF THE DIAMOND PLAN):A. POOL AND/OR SPA EQUIPMENT

INCLUDED: Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment -If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee ispaid - Coverage applies to all above ground components and parts of the heating, pumping and filtration system,including timers (this section is subject to $1,000 aggregate maximum) except:

EXCLUDED: Pool sweep motors - Lights - Liners - Concrete encased above ground or underground electrical, plumbing orgas lines - Structural defects - Solar equipment - Jets - Fuel Storage Tanks - Built in or detachable cleaning equipment– Control Panels – Control Switches – Computerized Control Boards - Ornamental fountains and other waterfall typeequipment – Pool cover and related equipment – Disposal filtration medium.

B. KITCHEN REFRIGERATOR W/ICE MAKER (2ND REFRIGERATOR, STAND ALONE ICE MAKER & STAND ALONEFREEZER USE BELOW)INCLUDED: All components and parts, including integral freezer unit, except:EXCLUDED: Racks - Shelves - ice crushers, beverage dispensers and their respective equipment - Water lines and valve to ice

maker - Interior thermal shells - Freezers which are not an integral part of the refrigerator - Food spoilage - Door seals- Lighting and handles - Units moved out of the kitchen. - Audio/Visual Components and Inter Connection Equipment– HWA™ will pay no more than $1,000 for repair or replacement of Stand Alone Ice Maker.

C. WASHER/DRYER PACKAGE1. Clothes WasherINCLUDED: All components and parts, except:EXCLUDED: Plastic mini-tubs - Soap dispensers - Filter screens - Knobs and dials - Damage to clothing - Door seals.2. Clothes DryerINCLUDED: All components and parts, except:EXCLUDED: Plastic mini-tubs - Soap dispensers - Filter screens - Knobs and dials - Damage to clothing - Door seals.

D. ROOF LEAK REPAIRSINCLUDED: Leaks in rolled, asphalt shingle, or clay tile roof structures only - $300 aggregate maximum per contract.EXCLUDED: Gutters - Drains - Leaks involving roof mounted installations - Ice dam build-up - Deck or balcony roofs -

Unattached garage roofs - Wood and underlayment - Counter flashing - Leaks resulting from or caused by any one ofthe following: Missing or broken shingles - Acts of God - Damages due to persons walking or standing on roof - Repairsmade by others - Failure to perform normal maintenance.

E. WELL PUMPINCLUDED: All components and parts of well pump utilized for main dwelling only (HWA™ will pay no more than $1,500

per contract term for diagnosis, repair or replacement), except:EXCLUDED: Well casings - Pressure tanks - Pressure switches - Hoisting or removal - Piping or electrical lines leading to or

connecting pressure tank and main dwelling - Holding or storage tanks - Redrilling of wells.

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

PREMIUM COVERAGE INCLUDES:

Sample Coverage Terms

Home Warranty of America™, Inc.P.O. Box 850 Lincolnshire, IL 60069-0850T: 888-492-7359 F: 888-492-7360 www.hwaHomeWarranty.com

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F. SEPTIC TANK PUMPINGINCLUDED: Main Line Stoppages/Clogs (one time only, must have existing access or clean out). If a stoppage is due to a

septic tank back up, then we will pump the septic tank one time during the term of the plan. Coverage can onlybecome effective if a septic certification was completed within 90 days prior to close of sale. HWA™ may require acopy of the certification prior to service dispatch.

EXCLUDED: The cost of gaining or finding access to the septic tank; the cost of sewer hook ups; Disposal of waste; Chemicaltreatments; Tanks; Leach lines; Cess pools; Mechanical pumps/systems.

G. PREMIUM COVERAGE PLAN (INCLUDED IN DIAMOND PLAN, OPTIONAL TO ALL OTHER PLANS)INCLUDED: This plan adds certain coverages to the heating, cooling, plumbing, and kitchen appliances that are otherwise

excluded. Will pay up to $250 aggregate to correct a code violation and $250 per occurrence for permits in relationto a heating, electrical, or plumbing service call if necessary to effect repair or replacement. See each covered item’ssections for details.

H. 13 SEER/R410A Modifications INCLUDED: IIf Government regulations prevents HWA™ from repairing or replacing a covered air conditioning system, or

heating system with like efficiency or capacity, and HWA™ provides an upgraded unit pursuant to Section V. of thisContract, then HWA™ will also pay for up to $500 aggregate per contract of modifications to valves, line sets, evap-orator coils, sheet metal, transitions, plenums, pads, stands, electrical, plumbing, additional costs to clean and evacu-ate a system of R-22, flues and crane charges required to complete the replacement installation of the heating or airconditioning system.

EXCLUDED: Permits, cleaning, disposal or ductwork testing and/or sealingI. SEPTIC SYSTEM (PER TANK)/SEWAGE EJECTOR PUMP

INCLUDED: Aerobic pump, jet pump, sewage ejector pump, septic tank and line from house to tank. Cost to diagnose,repair and/or replace the systems, including pumps, septic tank and or line is limited to a total of $500 per contract.

EXCLUDED: Tile fields and leach beds, leach lines, lateral lines, insufficient capacity, cleanout, pumping (except if purchasedunder separate option), pumping, seepage pits.

J. ORANGEPLUSINCLUDED: INCLUDED: Increases toilet replacement of like quality up to $600 – Increases professional series appliances to

$2,500 - Removal of all defective equipment that is replaced by HWA™ under the terms of this contract –Unknown pre-existing conditions and Unknown improperly matched and/or installed systems defined as follows: HWA™ will repair orreplace a covered system or appliance that fails or identified due to an associated failure that was either pre-existing ornot properly matched in size or efficiency, and/or improperly installed prior to or during the contract term, provided thatit was unknown or could not be known to the seller, buyer or agent by a visual inspection or simple mechanical test priorto the start of the contract. HWA will pay no more than $750 per contract for any unknown improper installation. If aservice request is made pursuant to this contract option, HWA™ reserves the right to request a copy of any visual ormechanical test that may have been performed by a home inspector or other licensed mechanical contractor.

K. HWA™ GREENPLUSINCLUDED: If a covered appliance (limited to Dishwasher, Refrigerator, Clothes Washer), Heating System (limited to

Furnace), or Water Heater breaks down per section H. above and subject to all other contract inclusions, exclusionsand limitations, and it can not be repaired, HWA™ will replace as follows: the appliance with an ENERGY STARQualified product (subject to availability), one with all other like kind and features as existing appliance; the HeatingSystem with a 90 percent efficiency model; and Water Heater with a tankless water heater, except:

EXCLUDED: All other contract limitations of liability and exclusions apply. HWA™ will pay no more than $1500 for upgradereplacement of tankless water heater and will only be paid upon proof of replacement. Receipt for replacement mustbe obtained by HWA™ within contract period. No costs for modifications or alterations will be paid for heating system.

VII. ARBITRATION & LIMITATIONS OF LIABILITYA. ARBITRATION

If a dispute arises from or relates to this agreement or its breach, and if the dispute cannot be settled through directdiscussions, the parties agree to try first to settle the dispute by mediation administered by the American ArbitrationAssociation under its Commercial Mediation Rules. If they are unable to do so, they agree to submit all disputes thatare not resolved to arbitration before the American Arbitration Association in accordance with its CommercialArbitration Rules. If the parties agree, the mediator involved in the parties’ mediation can serve as the arbitrator.Any award of the arbitrator against HWA™ cannot exceed $5,000 per claim or $15,000 in the aggregate. HOMEOWNER expressly waives all claims in excess of, and agrees that its recovery shall not exceed, these amounts. Any suchaward shall be in satisfaction of all claims by HOME OWNER against HWA™.Judgment on any award rendered in such arbitration can be entered in and enforced by any court having jurisdiction.

B. LIMITATIONS OF LIABILITY1. The following are not Included for the home seller (i) malfunction or improper operation due to rust or corrosion of

all systems and appliances, (including plumbing systems, heating systems, electrical systems, built-in wall units or heatpumps) and/or air conditioning systems/coolers or pools/spas, (ii) collapsed ductwork.

2. HWA™ is not responsible for providing access to or closing access from any covered item which is concrete-encasedor otherwise obstructed or inaccessible (ie. Beneath crawl spaces, floor coverings, systems, cabinets etc.). HWA™ willpay no more than $500 for diagnosis, repair or replacement of any covered components within Section IV.A.(Plumbing) or Section V.B. (Ductwork) that are concrete encased or otherwise inaccessible or obstructed.

3. During the period of Buyer’s coverage, HWA™ will pay no more than $1,500 per covered item for diagnosis, access,and repair or replacement of any hot water or steam circulating heating systems.

4. At times it is necessary to open walls or ceilings to make repairs. The Service Provider obtained by HWA™ will closethe opening, and return to a rough finish condition, subject to the monetary limits outlined in this article VII, Sections2 and 3 above. HWA™ is not responsible for restoration of any wall coverings, floor coverings, plaster, cabinets, count-er tops, tiling, paint, or the like. Similarly, HWA™ is not responsible for the repair of any cosmetic defects or perform-ance of routine maintenance.

5. Electronic or computerized energy management or lighting and appliance management systems, solar systems andequipment are not included.

6. HWA™ is not liable for service involving hazardous or toxic materials including but not limited to mold, lead paint, orasbestos, nor costs or expenses associated with refrigerant recovery, recycling, reclaiming or disposal. HWA™ is notliable for any failure to obtain timely service due to conditions beyond its control, including, but not limited to, labordifficulties or delays in obtaining parts or equipment.

7. HWA™ is not liable for repair of conditions caused by chemical or sedimentary build up, misuse or abuse, missingparts, structural changes, fire, freezing, electrical failure or surge, water damage, lightening, mud, earthquake, soilmovement, soil settlement, storms, accidents, pest damage, or acts of God.

8. HWA™ has the sole right to determine whether a covered appliance, system or component will be repaired or replaced.Parts and replacements will be of similar or equivalent quality and efficiency to those being replaced subject, however,to limitations stated in this contract. Where replacement equipment of identical dimensions is not readily available,HWA™ is responsible for providing installation of like quality equipment but not for the cost of construction or carpen-try made necessary by different dimensions. HWA™ is not responsible for upgrade or matching color or brand. Duringthe listing period, and for the first 30 days of the buyers period, HWA™ is not liable for replacement of entire systemsor appliances due to obsolete, discontinued or unavailability of one or more integral parts. However, HWA™ will pro-vide reimbursement for the costs of those parts determined by reasonable allowance for the fair value of like parts.

9. HWA™ is not liable for repairs related to: adequacy or capacity of appliances, components and systems in the home;improper installation, design or previous repair of appliances, components and systems: problems or failures caused bya manufacturer’s defect. Unless Option VI.H is purchased, HWA is not liable for repairs related to costs of construction,carpentry, or other incidental costs associated with the alterations, modifications, or upgrades of all appliances, com-ponents or installation of different equipment and/or systems. Also, Unless Option VI.H. is purchased, HWA is notresponsible for providing upgrades, components, parts or equipment required due to the incompatibility of the exist-ing equipment with the replacement system, appliance or component/part including but not limited to 13 SEER, R410Aand or 7.7 SPF or higher compliant as well as any other efficiency mandated by federal, state, or local governments.

10. HWA™ is not liable for the repair or replacement of commercial grade equipment, systems or appliances. HWA™ shallpay no more than $1,000 in aggregate for professional series or like appliances such as, but not limited to, brandnames such as Sub Zero, Viking, Bosch, JENN-AIR, GE Monogram, Thermador, and etc.

11. HWA™ reserves the right to require a second opinion.12. HWA™ is not liable for normal or routine maintenance. The contract holder is responsible for performing normal and

routine maintenance. For example, you are responsible for providing maintenance and cleaning pursuant to manu-facturers’ specifications, such as periodic cleaning of heating and air conditioning systems, evaporator coils and con-denser coils, as well as periodic filter replacement. HWA™ will not be responsible for repairs of systems or componentsarising from a manufacturer’s defect or recall or while still under manufacturer’s or distributor’s warranties. HWA’sresponsibilities will be secondary to any other extended or in-home warranties that exist for the included systems, com-ponents and appliances.

13. Unless Option VI.J. is purchased HWA™ is not responsible for removal and hauling away of old equipment or appli-ances. Where available, you may be charged an additional fee by the service vendor for removal and/or disposal of anold system, component or appliance.

14. HWA™ reserves the right to offer cash back in lieu of repair or replacement in the amount of HWA’s actual cost torepair or replace any covered system, component or appliance.

15. HWA™ will pay no more than $400 maximum aggregate per contract for diagnosis and repair of each burglar andfire alarm systems, fans and vacuums.

16. HWA™ will pay no more than $2,000 maximum aggregate for any and all plumbing and electrical repairs requireddue to rust and corrosion (subject to all other contract limitations) nor more than $1,500 per contract period for wellpump repairs or replacements and no more than $1,000 for tankless or oil water heaters and Stand Alone Ice Makersand the like.

17. Unless option VI.J. is purchased HWA™ will not pay for the repairs or replacement of any covered sys-tems or appliances if they are inoperable as a result of pre-existing conditions, deficiencies and/ordefects.

18. HOME OWNER agrees that HWA™ is not liable for the negligence or other conduct of the Service Provider, nor is HWA™an insurer of Service Provider’s performance. HOME OWNER also agrees that HWA™ is not liable for consequential, inci-dental, indirect, secondary, or punitive damages. HOME OWNER expressly waives the right to all such damages. HOME OWNER’s sole remedy under this agreement is recovery of the cost of the required repair or replacement,whichever is less. HOME OWNER agrees that, in no event, will HWA™’s liability exceed $5,000 per covered item or$15,000 in the aggregate.

VIII. BUILDING AND ZONING CODE REQUIREMENTS OR VIOLATIONSA. HWA™ will not contract for services to meet current building or zoning code requirements or to correct for code violations

(except when option VI. H. is purchased), nor will it contract for services when permits cannot be obtained. HWA™ will notpay for the cost to obtain permits (except when option VI. H is purchased).

B. Except as required to maintain compatibility with equipment manufactured to be 13 SEER, R410A, and/or 7.7 HSPF or high-er compliant, HWA™ is not responsible for upgrade or additional costs or expenses that may be required to meet currentbuilding or zoning code requirements or correct for code violations. This includes city, county, state, federal and utility reg-ulations and upgrades required by law.

IX. LEASE OPTIONSCoverage on lease options is available for the lessee only, and begins upon payment of contract fee and receipt of applica-tion by HWA™. Coverage continues for one full year from receipt of application and contract fee. Listing coverage is notavailable for sellers of investment and/or rental property.

X. MULTIPLE UNITS AND INVESTMENT PROPERTYA. If the contract is for duplex, triplex, or fourplex dwelling, then every unit with

in such dwelling must be covered by an HWA™ contract with applicable optional coverage for coverage to apply to com-mon systems and appliances.

B. If this contract is for a unit within a multiple unit of 5 or more, then only items contained within the confines of each individ-ual unit are covered. Common systems and appliances are excluded. Listing coverage is not available to seller.

C. Except as otherwise provided in this section, common systems and appliances are excluded.

XI. TRANSFER OF CONTRACT & RENEWALSA. If your Included property is sold during the term of this contract you must notify HWA™ of the change in ownership and

submit the name of the new owner by phoning 1-888-HWA-RELY in order to transfer coverage to the new owner.B. This contract may be renewed at the option of HWA™ and where permitted by state law. In that event you will be notified of

the prevailing rate and terms for renewal.

XII. CANCELLATIONThis contract shall be noncancelable by company except for:A. Nonpayment of contract fees;B. Fraud or misrepresentation of facts material to the issuance of this contract;C. When contract is for listing coverage and close of sale does not occur.D. If contract is canceled, the Home Owner shall be entitled to a pro rata refund of the paid contract fee for the unexpired term,

less service and administrative costs incurred by HWA™; If listing coverage is cancelled after service has been performed, andthe policy fee has not yet been paid, policy holder will be responsible for purchase of policy, or reimbursement to HWA™of service costs incurred, whichever is less.

E. Cancellation within 30 days of acceptance of HWA™ if no service request has been made. If so canceled by the Contractholder, the Contract holder is entitled to a full refund of the contract proceeds less a cancellation fee of the lesser of $30 or10% of the Contract fee.

F. Illinois Residents: In addition to the terms stated in Section XII. E., HWA™ and Illinois residents may cancel the Contractat any other time and the Contract holder will be entitled to a pro-rata refund of the Contract proceeds (based on the num-ber of complete months remaining) less the value of any service received and less a cancellation fee of the lesser of $50 or10% of the Contract fee.

G. Oklahoma Residents: The following language replaces the cancellation language above. In the event the contract is canceledby the warranty holder, return of premium shall be based upon ninety percent (90%) of the unearned pro rata premium lessthe actual cost of any service provided under the service warranty contract. In the event the contract is canceled by the asso-ciation, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium less the actual costof any service provided under the service warranty contract.

H. South Carolina Residents: If you cancel this contract within 20 days of acceptance by HWA™ and if no claim has beenmade under the service contract, you are entitled to a refund of the full purchase price. A ten percent penalty per monthshall be added to a refund that is not paid or credited within forty-five days after return of the service contract to the provider.

I. Virginia Residents: If you cancel this contract within 20 days and if no claim has been made, you will be entitled to a fullrefund of the purchase price.

J. Wisconsin Residents: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE WISCONSIN OFFICE OFTHE COMMISSIONER OF INSURANCE. If you cancel this plan, no deduction shall be made from the refund for the costof any services received. This plan shall not be cancelled due to unauthorized repair of covered equipment.

XIII. MISCELLANEOUSA. Attorneys’ Fees. If either party is required to defend itself in litigation, arbitration, or otherwise, then the defending party

is entitled to recover from the instigating party the amount of attorneys’ fees and expenses the defending party incurs indefending the litigation, arbitration, or other proceeding unless the instigating party substantially prevails in the litigation,arbitration, or other proceeding. To the extent that the instigating party seeks monetary relief, to substantially prevail meansthat the instigating party must recover at least 50% of whatever that party is seeking.

B. Connecticut Residents: The expiration date of this Plan shall automatically be extended by the duration that the prod-uct is in our custody while being repaired. In the event of a dispute with administrator, you may contact The State ofConnecticut, Insurance Department, PO Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaintmust contain a description of the dispute, the purchase price of the product, the cost of repair of the product and a copyof the Plan.Kansas Residents: This plan is not an insurance policy.Oklahoma Residents: This service warranty is not issued by the manufacturer or wholesale company marketing the prod-uct. This warranty will not be honored by such manufacturer or wholesale company. Coverage afforded under this contractis not guaranteed by the Oklahoma Insurance Guaranty Association. Home Warranty of America, Inc. is both the Obligor andAdministrator. Oklahoma service warranty Statutes do not apply to commercial use references in service warranty contracts.South Carolina Residents: In the event of a dispute with the provider of this contract, you may contact the South CarolinaDepartment of Insurance, Capitol Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or (800) 768-3467.Virginia Residents: If you are unable to contact or obtain satisfaction from the home service contract provider you may con-tact the Commission at: Virginia Bureau of Insurance; 800-552-7945; 1300 East Main Street, Richmond, Virginia 23219.Wisconsin Residents: Timeliness of notice. Provided notice or proof of loss is furnished as soon as reasonably possible andwithin one year after the time it was required by the policy, failure to furnish such notice or proof within the time requiredby the policy does not invalidate or reduce a claim unless the insurer is prejudiced thereby and it was reasonably possible tomeet the time limit.

C. Obligations of the provider under this service contract are backed by the full faith and credit of the provider. Home Warrantyof America™, Inc. PO Box 850 Lincolnshire, IL 60069-0850. Limits of liability are $5,000 per claim or $15,000 in aggregate.

Sample Coverage Terms Continued

Home Warranty of America™, Inc.P.O. Box 850 Lincolnshire, IL 60069-0850T: 888-492-7359 F: 888-492-7360 www.hwaHomeWarranty.com

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homeyour M AY/J U N E 2 015

T i p s a n d t r e n d s f o r h o m e o w n e r s , b uy e r s a n d s e l l e r s

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B R O U G H T T O Y O U B Y Y O U R A G E N T , A M E M B E R O F T H E C O U N C I L O F R E S I D E N T I A L S P E C I A L I S T S

�With spring coming to an end, it is time to prepare

your home for all things summer. Whether you want to play host to summer barbecues or just want a place to relax in the sun, there are lots of options for outdoor recre-ation spaces. Working to build a premier outdoor area can not only serve as the ideal place to spend time with family and friends, but it can also add value to your home. Here are some ideas for equipping your ultimate summer backyard:

Let There Be LightLight up your outdoor space by installing lights along walkways

or on tables, or stringing lights around a seating area. This lighting not only creates a relaxed atmo-sphere, it’s also great for night-time showings when it’s time to sell.

Create an Outdoor Kitchen AreaWhile only about4 percent of affluent households have

outdoor kitchens today, 13.6 per-cent say they are planning to add one in 2014. A recent study by the National Association of Home Builders (NAHB) found that outdoor kitchens can add to a home’s value. Upgrading your standalone grill to a built-in grill with additional counter space can go a long way.

Cozy UpAdding outdoor couches, throw pillows and rugs creates the perfect ambiance for enter-

taining and invokes a feeling of comfort and serenity, according to the National Association of REAL-TORS® (NAR). These additions also provide value for staging and help potential homebuyers visualize themselves in the home.

Bug Off There aren’t many downsides to the summer, but one of them is the return of the

insects. To make your outdoor space critter-free, make sure you have citronella candles handy.

NATURAL LANDSCAPINGAccording to a study conducted by the National Drought Resilience Partnership (NDRP), the drought across the Western United States and parts of the Midwest region will intensify in 2015. With so much sun and little rain, homeowners will need to prepare their landscapes accordingly. If you live in one of these drought-ridden areas, an easy solution for an efficient and attractive yard is a natural landscape.

Natural landscapes are gaining popularity for good reason. Plants native to a particular region have adapted to the surrounding environment, whether it features harsh winters, flooding or droughts. Native plants tend to flourish in local soils, and the Environmental Protection Agency (EPA) says these landscapes are good for the environment.

Aside from occasional pruning and weeding, maintenance on natural landscaping is minimal. Once implemented, native landscapes do not need fertilizers, herbicides or pesticides. Natural landscapes usually require less water and minimal maintenance, which make them ideal for busy homeowners.

Another growing trend in drought-ridden areas such as California is “xeriscaping.” Plants required for this type of landscaping vary by region, but they are commonly waste-efficient and require extremely low amounts of water — if any at all, the EPA says.

Maintenance-free “hard elements” in a yard can include rocks, fences, walking paths or lawn ornaments. These fea-tures help fill your landscape and require zero maintenance.

Whatever choice homeowners consider when deciding how to create a beautiful outdoor landscape, NAR recom-mends keeping costs below 5 to 10 percent of the home’s value, so that you don’t over-improve.

backyardYOUR ULTIMATE

DO YOU KNOW SOMEONE WHO IS THINKING ABOUT BUYING OR SELLING A HOME? PLEASE MENTION MY NAME.This newsletter is for informational purposes only and should not be substituted for legal or financial advice. If you are currently working with another real estate agent or broker, it is not a solicitation for business.

I L

OVE REFERRALS!

EQUAL HOUSINGOPPORTUNITY

T i p s a n d t r e n d s f o r h o m e o w n e r s , b u y e r s a n d s e l l e r s

Buying or selling a home can seem like an overwhelming task. But the right REALTOR® can make the process easier — and more profitable.

A Certified Residential Specialist (CRS), with years of experience and success, will help you make smart decisions in a fast-paced, complex and competitive marketplace.

To earn the CRS Designation, REALTORS® must demonstrate outstanding professional achieve-ments — including high-volume sales — and pursue advanced training in areas such as finance, marketing and technology. They must also maintain membership in the National Association of REALTORS® and abide by its Code of Ethics.

Work with a REALTOR® who belongs in the top 3 percent in the nation. Contact a CRS today.

SAY YES TO CRS

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f o r h o m e o w n e r s , b u y e r s a n d s e l l e

�The kids are out of school and the sun is shining. You are finally able to take the family vacation that you

have planned for all year. But when you leave the house and lock your door, is it really safe? Some of these best practices from Better Homes and Gardens will help you safeguard your home while on vacation.

Keep Quiet — Don’t discuss travel plans in public. You never know who might hear you say you won’t be home. Additionally, don’t post pictures or comment about your vacation on social media until you return.

Mail Arrange-ments — A full mailbox or pile of newspapers in your driveway can tip off criminals to an empty home. Contact the U.S. Postal Service to hold your mail and con-tact your newspaper to suspend delivery or ask a neighbor to collect the papers.

systemSECURITY

Neighborhood Watch — Ask a neighbor or friend to keep an eye on your home while you are away and make sure they have a reliable contact number for you in case of an emergency.

Fake Your Stay — Set a timer for lights and televisions to turn off/on at night. This gives the impres-sion that someone is home and deters any intruders.

Lock Up — Although this might be obvious, take one last tour of the house to make sure all windows are locked and the alarm system is correctly armed. After this you are ready to lock the doors and hit the road with peace of mind.

PROFESSIONAL REAL ESTATE SERVICES

Mike HughesMike Hughes is a full-time agent who consistently employs traditional and new marketing techniques to benefit his clients and maximize their home value. Mike offers the most comprehensive marketing system with aggressive follow-up,

advanced technology and market analysis to place his clients ahead of their competition. This strong commitment and work ethic, coupled with his endearing personality, vast market knowledge and ready accessibility, make Mike the ultimate go-to resource for all your real estate needs. Mike is married to Jennifer F. Hughes, Ph.D, they have two children Eden and Henry Hughes.

It was a pleasure working with you ... we followed your suggestions to the letter, and that’s the reason for the very successful sale.- Maureen Bonazoli

Thanks for introducing us to the area and helping us find the right place. I know that we looked at a ton of property and you really helped us keep priorities in mind. Obviously, we didn’t expect to move so soon after the purchase - everything from your professional stager and photos to online promotion placed us ahead of the competition. We’re thrilled that you were able to help us sell so quickly.- Mark & Amanda Huefner

Realtor, CRS (617) 433-9225 Mike@MikeHughesTeam.com

Connect With Uswww.MikeHughesTeam.com

EDUCATION & PROFESSIONAL MEMBERSHIPS• CRS, Certified Residential Specialist• CHMS, Certified Home Marketing Specialist• CBR, Certified Buyer Representative• Loss Mitigation Certification (LMC & SFR)• Greater Boston Real Estate Board• Massachusetts Association of Realtors• National Association of Realtors• Council of Residential Specialist• The Institute for Luxury Home Marketing• Sandler Sales Training• Mike Ferry Agent Network & Business Planning • Bachelor of Science, Bentley University

Additional QualificationsREAL ESTATE CAREER ACHIEVEMENTS• 2014 - RE/MAX Platinum Club• 2014 - MA Young Professionals Network Committee • 2014 - Awarded RE/MAX Hall of Fame Membership• 2013 - Council of Residential Specialist, Programs Chair• 2012 - 2013 RE/MAX 100% Club• 2012 - Ranked in the TOP 15 in RE/MAX New England• 2011 - Massachusetts Association of Realtors, Technology

Chair• 2009 - Team leader ranked in the TOP 25 in RE/MAX New

England• 2009 - RE/MAX Platinum Club• 2008 - RE/MAX 100% Club

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He is well-informed about the vagaries of the real estate market in general, and the localities he serves in particular. He buttressed his advice to me with factual data and statistics, and answered all the questions I threw at him. He knows the market and understands the psychology of selling and buying, the strategies he devised to market my house were canny and meticulous in detail. - Alice Morrish

Thanks again for helping me buy and sell my last home! I know that it was a tough market and I really think that we were able to get out from under the house because of your efforts and unique approach. More importantly, your help when we originally purchased the house made it financially possible for us to sell at the price we did. You kept your word with the “Love-it-or-leave-it” program - thanks! - Brian Chapman

ATTORNEY REPRESENTATIONScott Taylor, Esq.Kriss Lawp 617-964-3788e STaylor@KrissLawAtlantic.com w www.KrissLawAtlantic.com

HOME INSPECTORTodd CaissePillar to Post Home Inspectionsp 508-699-0934e Todd.Caisse@PillartoPost.comw www.PillartoPost.com

MORTGAGE PROFESSIONALJason EvansSr. Loan OfficerMortgage Masterp 508-850-4348e JEvans@MortgageMaster.comw www.MortgageMaster.com/JEvans