MESSAGE&FROM&THE&PRESIDENT!!!!!!!!!Finding&'me&to&do&everything&that&needs&to&be&done&is&one&of&my&biggest&challenges.&&&Of&course,&I&keep&adding&things&to&my&to=do&list,&just&to&complicate&my&life&further.&&I&have&found,&however,&that&the&CRS&Webinars&are&a&terrific&way&to&learn&about&new&skills&or&ideas,&while&clearing&through&paperwork&or&emails&in&my&office,&pre=scheduled&mul'tasking&for&an&hour,&a&couple&'mes&a&month.&&Definitely&a&win=win.&&What&have&you&found&that&works&for&you,&in&terms&of&keeping&up&with&the&countless&ac'vi'es&and&opportuni'es&that&we&can&avail&ourselves&of?&&&&Our&March&6th&luncheon/CE&class&and&April&22nd=23rd&Buyer’s&class&are&definitely&not&mul'tasking&opportuni'es!&&Chuck&Kasky&and&Jackie&Leavenworth&are&not&only&educa'ng&us,&but&both&instructors&are&fascina'ng&and&cap'va'ng.&&Catch&up&on&your&email&another&day!&&&&Best%regards,GretchenMD%DC%CRS%Chapter%President%!!

MD DC CRS CHAPTER NEWSLETTER

2014 MD DC CRS Chapter Leadership!Gretchen&Conley,&President&&&443=676=1625& & & & && Jan&Brito,&President&Elect&&301=646=5774&&Mary&Ann&Morgan,&Treasurer&&301=412=9601&&!Vivian&Feen,&Secretary&&443=794=4106&&!Sharron&Dorsey,&Immediate&Past&President&&410=937=4707 !We are looking forward to a great year. We look forward to getting to know you and serving our chapter.

! MARCH 2014

! PAGE& 1

THANK YOU 2014 PLATINUM SPONSORS

Thank&you&to&our&MD&DC&CRS&Chapter&Sponsors!&We&appreciate&your&support.&If&you&are&looking&to&be&a&2014&Sponsor,&please&contact&Abigial&Res'vo.&

Tina&Del&Casale,&Sr.&Loan&Officer&Embrace&Home&Loans&tdedelcasale@embracehomeloans.com&Office:&800.333.3004&x3801&hep://www.embracehomeloans.com/'na=delcasale&

Pillar&To&Post&800.294.5591&www.pillartopost.com&

MARCH 2014

Page 2

Amy&M.&Pletz&Home&Land&Sep'c&Consul'ng&amy@mdwellandsep'c.com&443.995.5385&www.mdwellandsep'c.com&

Village&Seelements&www.villageseelements.com&Gaithersburg&301.590.9300&Frederick&301.698.9300&Greenbelt&301.486.0799&Potomac&240.750.6818&Bethesda&240.478.6272

Melinda&Stecker,&Move&ConsultantJK&Moving&ServicesOffice:&301=340=6683&Mobile:&443=722=0965&Melinda.Stecker@jkmoving.com&www.jkmoving.com&

THANK YOU 2014 DIAMOND SPONSORS

Terry&Crawford&Old&Republic&Home&Protec'on&terryc@orhp.com&Office:&800.282.7131&x1227&www.orhp.com

Lewis&Hibbs&1st&Preference&Mortgage&Corp.&Office:&410.517.0300&Mobile:&443.695.8513&lewis@1stPref.com&

Laurel&Santamarina&Columbia&Bank&Office:&410.423.8222&Mobile:&410.707.8695&LSantamarina@FultonMortgageCompany.com&

www.LaurelSantamarina.com

Mary&Calder&Lakeview&Title&Company&Office:&410=992=4447&mary@lakeview'tle.com&www.lakeview'tle.com

MARCH 2014

PAGE&3

MD/DC CRS General Meeting & Luncheon with Chuck Kasky

MD/DC CRS Chapter brings you Chuck Kasky, Esq. of the Maryland Association of Realtors. Enjoy a delicious lunch and earn 3 CE credits learning about the ins and outs of Maryland disclosures.

Thursday, March 6, 2014 10:30 AM – 2:00 PM

Dutch’s Daughter 581 Himes Avenue, Frederick, MD 21703

Email your lunch preference to Vivian Feen at vivianfeen@mris.com. See lunch choices below:

Atlantic Salmon - blackened with a honey glaze Dutch’s Chicken – boneless chicken tenderloins topped with ham, asparagus & cheese

Sautéed Beef Tips – beef medallions in a mushroom & onion sauce Vegetarian Pasta – fresh vegetables over pasta Alfredo

Meals served with garden salad, seasonal vegetable, twice baked potato & dessert. Coffee, tea, sodas

$35 for Members of MD/DC CRS Chapter || $50 for Non-Members of MD/DC CRS Chapter

Instructor: Chuck Kasky, Esquire, Maryland Association of REALTORS® Course Name: Understanding Real Estate Disclosure Obligations (F)

Course Approval: 135-0711 || CE Credits: 3.0 || Category: F Description: This course is designated to review Maryland Law and NAR’s Code of Ethics to provide

practical guidance to understanding the disclosure obligations.

PLEASE BRING YOUR PHOTO ID AND LICENSE NUMBER TO CLASS

------------------------------------------------------------------------------------------------------------------------

*****Register online at www.mddccrs.com***** MAIL: MD/DC CRS ATTN: Halle Papai, 200 Harry S Truman Parkway, Suite 200, Annapolis, MD 21401

EMAIL: halle.papai@mdrealtor.org FAX: (443) 716-3513

Name_________________________________________________ Company _____________________________________

Address_____________________________________________________________________________________________

Home/Cell Phone __________________________E-mail _____________________________________________________ Amount Paid: ____________ Method of Payment: ! Credit Card (Visa/Master Card/American Express/Discover)

! Check (payable to MD/DC CRS) ! Paid online (Do not complete the section below)

NAME ON CREDIT CARD ____________________________________________________________________________

CARD TYPE _______________ ACCOUNT NUMBER _____________________________________________________

EXPIRES __________________ SIGNATURE ____________________________________________________________

AFFILIATE SPOTLIGHT: EMBRACE HOME LOANS

!!!

Tina%Del%Casale&of&Embrace&Home&Loans&is&proud&to&be&a&CRS&Pla'num&Sponsor&for&2014.&She&has&been&origina'ng&home&loans&since&1989.&The&first&half&of&her&career&was&in&Northern&California&un'l&she&relocated&to&Maryland&in&late&2000.&&&

Having&been&in&this&business&for&25&years&I&deeply&appreciate&the&experience,&professionalism&and&loyalty&of&the&CRS&members.&&Understanding&that&you&could&not&have&goeen&where&you&are&today&without&a&great&lender&partner,&my&goal&as&a&sponsor&this&year&is&to&be&your&1st&choice&for&your&back&up&financing&needs.&&I&want&to&do&this&by&helping&Realtors&offer&more&op'ons&by&gejng&to&know&me&as&their&“NEW”&back&up&lender.&&I&specialize&in&many&loans&that&other&lenders&don’t&offer&or&don’t&wish&to&work&with&because&they&are&the&complicated&and&the&more&challenging&transac'ons.&

So&If&I&can&get&each&Realtor&that&works&with&me&1A2&extra&deals&this&year&I&will&consider&my&year&a&success!&&

Here&is&a&good&referral&for&me.&&Foreign&Na'onal&Buyers,&A&&Co=Op&in&DC,&203k&Loan,&580=639&FICO&score&FHA&Loans,&HomePath&or&HomePath&Renova'on&Loan,&Homestyle&Renova'on&Loan,&1st&'me&homebuyer&Loan&with&Down&Payment&Assistance,&Investor&Loans&up&to&10&financed&proper'es,&&&Jumbo&Loans&to&5&million&just&to&name&a&few.&&&

So&hopefully&I’ve&goeen&your&aeen'on&with&some&of&the&extra&products&I&can&offer&through&

Embrace&Home&Loans&so&now&I&can&share&some&success&stories&from&within&this&chapter&of&CRS.&

Last&year&I&had&2&transac'ons&where&my&rela'onship&was&with&the&lis'ng&agent&and&I&was&able&to&rescue&the&transac'on.&&The&1st&deal&was&a&conven'onal&purchase&where&the&buyers&local&lender&under&appraised&the&property.&Aner&reviewing&the&appraisal&I&determined&that&there&was&a&very&good&chance&my&local&Appraiser&would&come&in&at&a&different&value.&The&buyer&was&willing&to&give&my&company&a&chance&to&re=appraise&the&property.&The&appraisal&came&in&at&sales&price&and&we&were&also&able&to&improve&on&what&the&prior&lender&had&offered.&&Needless&to&say&both&the&buyer&and&seller&and&of&course&their&agents&were&very&happy&when&the&transac'on&closed.&&&&

The&2nd&transac'on&was&with&another&local&bank&who&had&promised&the&borrower&100%&financing.&&When&they&were&unable&to&approve&the&borrower&for&the&1st&'me&buyer&program&we&were&roughly&10&days&before&year&end&and&the&expected&seelement&date.&I&spoke&with&the&lis'ng&agent&on&Sunday&ran&some&preliminary&numbers&spoke&to&the&buyer’s&agent&and&the&buyer&–who&was&the&agent’s&daughter&also&on&Sunday&and&in&7&business&days&I&originated&the&loan,&got&the&appraisal&in&on&a&RUSH&and&got&the&loan&approved&and&to&closing&by&the&closing&date&of&12/31.&Even&I&had&my&doubts&about&that&quick&of&a&turn&'me&but&the&seller&was&in&a&pinch&and&had&to&close&before&year&end.&

So&when&you&think&there&is&no&place&to&turn&take&a&chance&and&call&me.&It&could&be&the&best&dime&you&ever&spent!&

Tina%Del%Casale Embrace%Home%Loans301.%523.1893%(cell)tdelcasale@EmbraceHomeLoans.com hAp://www.embracehomeloans.com/FnaGdelcasale%

MARCH 2014

PAGE&4

ABOUT CRS When you earn the CRS Designation, you become part of a network of more than 30,000 Certified

Residential Specialist Designees and Candidates/General Members. To learn more about the Designation and about CRS courses coming to a location near you, visit www.crs.com.

Individuals who take this course will earn 16 Education credits towards the CRS Designation. *Please note: You may become a CRS member to save money on your registration fee before

you earn your CRS designation. Visit www.crs.com to learn more.

CRS educators are leading professionals who bring the practical experience to each course, cutting through the hype and offering you real-world solutions. In CRS two-day courses you’ll meet other top agents for prime networking opportunities. Find out what works for other pros—and what doesn’t, so you’re not stuck re-inventing the wheel.

Sponsored by:

MD/DC CRS Chapter

Sharron Dorsey mddccrs2012@gmail.com

410-515-5503 www.mddccrs.com

*****Pay online at www.mddccrs.com***** Or mail, email or fax the Registration Form to:

MD/DC CRS Attn: Halle Papai, 200 Harry S Truman Parkway, Suite 200, Annapolis, MD 21401 Email: halle.papai@mdrealtor.org Fax: 443-716-3513

Cancellation requests must be in writing. The fee for cancellation is $50.00. NO CANCELLATIONS or REFUNDS AFTER April 15, 2014

NAME________________________________________________________________ COMPANY ___________________________________________________

ADDRESS___________________________________________________________________________________________________________________________ DAYTIME PHONE _______________________________________E-MAIL _____________________________________________________________________

Amount Paid: ____________ Method of Payment: Credit Card (Visa/Master Card/American Express/Discover)

Check (payable to MD/DC CRS) Paid online (Do not complete the section below)

NAME ON CREDIT CARD ________________________________________ SIGNATURE _________________________________________________________

CARD TYPE __________ ACCOUNT NUMBER ___________________________________________________________ EXPIRES _______________________

April 22 & 23, 2014 Tuesday & Wednesday, 8:30am – 5:00pm

COURSE LOCATION: Keller Williams Flagship 1111 Benfield Blvd, Ste 250 Millersville, MD 21108 410-729-7700

REGISTRATION FEE: Member $225 Non-Member $325*

CRS 202: SALES STRATEGIES

Jackie Leavenworth, CRS Leavenworth has earned such titles as top producer, branch sales manager and real estate trainer. She is committed to helping others grow personally and professionally, and has shared her knowledge by writing real estate courses and speaking at local and state real estate conventions.

For more information on other CRS Courses or obtaining the CRS Designation, the premier Designation for residential real estate professionals, visit www.crs.com.

The Sales Strategies for the Residential Specialist Course (CRS 202) will help you tap into the motivations and concerns of today’s qualified home buyers—and help them achieve home ownership. — Access scripts to identify qualified buyers

and get them in the car — Identify today’s buyers and get them off the

fence — Learn to communicate with your clients and

create trust and loyalty from buyers — Get ideas for your buyer packet that you will

want to use

UPCOMING%MD%DC%CRS%2014%EVENTS%&%EDUCATION%

March%6,%2014%|%10:30%AM%G%2%PM CE%Class%with%Chuck%Kasky%&%LuncheonDutch’s&Daughter&Restaurant,&Frederick,&MD%

April%22G23,%2014%|%8:30%AM%G%5%PM CRS%202:%EffecFve%Buyer%Sales%Strategies $225&MD&DC&CRS&Member$325&Non=MemberKeller&Williams&Flagship,&Millersville,&MD&

May%14G18,%2014 NAR%&%CRS%MidGYear%MeeFngsWashington,&D.C.&

May%16,%2014%MidGYear%Cruise%on%the%Potomac%Georgetown,&MD&to&Alexandria,&VA&

June%4,%2014CE%Class%&%Luncheon%Mrs.&K’s&Tollhouse,&Silver&Spring,&MD&!September%7,%2014MD%DC%CRS%Luxury%Home%Tour%Ocean&City,&MD,&benefits&Chapter&with&A&Heart&!September%8G10%,%2014MAR%Conference%&%Expo%Ocean&City,&MD&!September%8G12,%2014%CRS%Awareness%Week%!October&17,&2014&NEW&DATE!!!!&2nd%Annual%Bras%for%a%Cause%Fundraiser The&Gathering&Place,&Clarksville,&MD

Become a Member of CRS National & MD DC CRS Chapter!So%Why%Should%You%Join%the%MD%DC%CRS%Chapter?As&a&member&of&the&MD&DC&CRS&Chapter,&you&receive&discounts&on&classes&plus&exclusive&access&to&chapter&events.&We&hope&you&will&join&or&re=join&us&as&a&member.&&!Download&the&Na'onal&CRS&or&the&Maryland&DC&form&for&more&details.&!Na'onal&CRS&annual&membership&is&$150&|&Maryland&DC&CRS&annual&membership&is&$40&!Got%quesFons%about%Membership?%Contact%Lynn%Nichols,%Membership%Chairperson,%for%any%quesFons%about%your%membership%in%our%Chapter.%%!

! MARCH 2014

! PAGE& 5

Chapter%With%A%Heart%

Soles4Souls%and%Chapter%With%a%Heart%!We%are%s6ll%accep6ng%gently%worn%shoes%for%Soles%4%Souls.%We%are%in%our%5th%year%of%suppor6ng%this%great%organiza6on.%We%appreciate%your%dona6ons.%Please%bring%your%dona6on%to%our%next%event%or%contact%Linda%Kangrga.%Linda%would%like%to%make%quarterly%deliveries.%%!NOTE:%Soles%4%Souls%has%asked%that%shoes%are%paired%with%rubber%bands%or%6ed%together%and%placed%in%a%cardboard%box.%We%appreciate%your%dona6ons%and%helping%us%follow%their%dona6on%guidelines,%plus%it%is%easier%for%us%to%transport%shoes%to%the%Soles%4%Souls%in%Frederick,%MD.%%

!MARK%YOUR%CALENDARS%

2nd%Annual%Bras%for%a%Cause%%!Do&you&want&to&get&involved?&Join&us&in&2014&for&our&planning&mee'ngs.&Mee'ngs&are&held&on&the&following&dates&from&&12=2&PM:&!

March%7%%**%%April%4%%**%%May%2%%**%%June%12%July%3%%**%%September%4%%**%%September%18%%**%%October%2

Bras%for%A%Cause%Planning%MeeFngs%held%at:

Linda&Bees’&OfficeLong&and&Foster&Real&Estate,&Inc.,&

10805&Hickory&Ridge&Road Columbia,&Maryland&21044.&

Contact&Linda&Bees&at&410=615=1205&with&any&ques'ons.&%!SAVE&THE&DATE&FLYERS&&&REGISTRATION&are&available.&&We&are&collecUng&molded&cup&bras&and&silent&aucUon&donaUons&are&being&collected.&Contact&Linda&BeYs.&&!

Connect%with%us%on%the%MD%DC%CRS%Facebook%page.%You’ll%find%the%latest%happenings%on%Facebook.%%!Like%Us%on%the%MD%DC%CRS%Facebook%page.%!!!!!

! MARCH 2014

! PAGE& 6

Looking%for%a%great%relaFonship?% Get&involved&with&OUR&chapter.&Contact&the&commiYee&chairperson.%!Membership:&Coordinate&events&to&promote&chapter&membership.&Welcome&new&members&to&the&chapter.&Send&reminders&and&work&with&terminated&members.&Be&a&visible&advocate&of&the&chapter.&Commieee&Chair:&Lynn&Nichols&!EducaFon:&Plan,&nego'ate,&and&schedule&chapter&sponsored&classes.&Aeend&and&monitor&classes.&Communicate&with&Na'onal&Educa'on&department.& Commieee&Chair:&Sharron&Dorsey&!Programs:%Arrange&or&help&coordinate&general&membership&mee'ngs&including&the&MAR&luncheon.&Obtain&speakers&and&nego'ate&fees&and&expenses.& Commieee&Chair:&Vivian&Feen&!Public%RelaFons:&Aeend&events&and&take&photos.&Organize&chapter&booth&at&MAR.&Coordinate&press&releases&for&events,&ac'vi'es&and&awards&to&the&public.&Develop&a&list&of&contacts&for&press&releases.&Plan&chapter&events&during&the&Annual&NAR&&&Mid=Year&mee'ngs.& Commieee&Co=Chairs:& Nancy&Cummins&and&Ka'e&Rubin&&

Sponsorship:&Develop&a&leeer&to&send&to&poten'al&sponsors.&Solicit&chapter&and&event&sponsorships.&Coordinate&affiliate&speakers&at&chapter&events.&Commieee&Chair:&Abigail&Res'vo&!CommunicaFons:&Publish&email&newsleeer&and&maintain&website.&Coordinate&with&all&commieee&members&for&news&and&events.&Publish&communica'ons&to&the&chapter.& Commieee&Chair:&Jen&Ward&!Chapter%with%A%Heart:&Oversee&the&community&outreach&program.&Develop&plans&for&monthly&and&quarterly&events.&&Commieee&Chair:&Linda&Kangrga&!Area%Vice%President:&Coordinate&a&meet&and&greet&to&get&to&know&all&CRS&in&your&area.&Support&the&chapter&in&your&area&by&promo'ng&chapter&membership,&classes,&luncheons,&Chapter&with&A&Heart,&etc.&&Looking&to&bring&more&CRS&events&to&your&area,&become&an&Area&Vice&President&for&your&area&(county&or&coun'es).& AVP&Coordinator:&Sherry&Young&!

Maryland&DC&CRS&Chapter&Upcoming&Board&MeeUngs&!

March%11%%%||%April%8%%||%%May%6%%||%June%10%%||%July%8%August%19%%||%%October%14%%||%November%18%%||%December%9%!

Board%meeFngs%are%held%from%1G3%PM%at%Gretchen%Conley’s%Office:%%Keller&Williams&6230&Old&Dobbin&Lane,&#150,&Columbia,&MD&21045

! MARCH 2014

! PAGE& 7

Top%Producer%Panel%&%Luncheon%G%February%12,%2014%

A&huge&thanks&to&our&Top&Producer&

Panel:&&Jeff%Wu,%%

Seth%Dailey,%%Koki%Adasi%%(leO%to%right)

The&MD&DC&CRS&Chapter&was&engaged&with&the&Top&Producer&Panel:&CRS&designees&Koki&Adasi,&&Seth&Dailey&and&Jeff&Wu.&A&SOLD&OUT&crowd&learned&about&the&daily&ac'vi'es&top&producing&agents&employ&and&how&they&grew&their&businesses&and&teams.&Jan&Brito,&President&Elect,&moderated&the&panel&and&kept&the&crowd&engaged.&Agents&learned&while&they&enjoyed&a&delicious&luncheon&at&Maehews&1600&Restaurant&in&Catonsville,&MD.&Agents&scribbled&down&notes&on&paper&and&their&smart&phones. Huge&thanks&to&everyone&who&made&this&event&happen.&See&you&at&the&next&MD&DC&CRS&event!&%

! MARCH 2014

! PAGE& 8

MD DC CRS Chapter Realtors Present 2nd ANNUAL MD/DC CRS Bras for a Cause Event

for a Bras Cause

How to Show Support - Registration Form Thank you for your support and sponsorship, in donations of funds and items, and in volunteer hours. For our Second Annual MD/DC CRS Chapter “Bras for a Cause” Event on October 17, 2014, at The Gathering Place, Clarksville, MD, a portion of the monetary proceeds will be donated to

breast cancer care through The Red Devils (www.TheRedDevilsMD.org) We accept checks, cash and credit cards. All payments are non-refundable and are appreciated.

Sponsorship Opportunities:

“DDD” Cup Sponsor Includes Advertising & 10 tickets $2,000 $

“DD” Cup Sponsor Includes Advertising & 4 tickets $1,000 $ “D” Cup Sponsor Includes Advertising & 2 tickets $ 500 $ “C” Cup Sponsor Includes Advertising $ 250 $ “B” Cup Sponsor Includes Advertising $ 125 $

Tickets: Individual EVENT Tickets $ 50 $

Tickets: Reserve a Table of Ten $ 500 $

Contributions: Charitable Contributions $ $ Silent Auction Donations: Items: — —

Deadline for entry on event program: Sept.27, 2014. TOTAL: $

Company/Team Name:

Name:

Address:

Phone: Email:

Credit Card (type): Visa / MC Card #:

Security Code: Exp.Date: PRIZE AWARDED for Bra/Model Raising the Most Money

Signature:

I would like to volunteer to help with the event. #1

For more info, to order tickets, donate, or be a sponsor, go online to www.mddccrs.com , OR make checks payable to MD/DC CRS & mail checks/registration form to: Gretchen Conley, Keller Williams Realty Centre, 6230 Old Dobbin Ln., Columbia MD 21045;; Fax:443-766-1633. Need more info? Contact: Linda Betts 410-615-1205, Linda.Betts@LNF.com

or Gretchen Conley 443-676-1625, Gretchen@GretchenConley.com . CRS & The Red Devils are 501(c)(3). Interested in submitting a bra or modeling? Contact Linda Kangrga at 410-262-2254, Kangrga@mris.com, for further info.

!For&more&informa'on&or&ques'ons&about&this&newsleeer,&please&contact&Jen&Ward,&CRS,&Communica'ons&Chair&&&Newsleeer&Editor.&!

Get&informaUon&and&register&for&our&next&event&at&the%MD%DC%CRS%Chapter%website.!

We&accept&PayPal&online&for&class&&&event&registra'ons.&

INTERESTED&IN&ATTENDING&CRS&MIDYEAR&MEETINGS&May&14A19th?&!An%Important%Message%regarding%your%registraFon%for%the%upcoming%May%Midyear%MeeFngs%in%Washington,%DC:&&&NAR's&online&mee'ng&registra'on&system&opened&on&Wednesday,&2/19.&If&you&are&thinking&of&aeending&the&mee'ngs,&please&register&and&note&the&points&below.&&&&Link&to&NAR&Event&Registra'on&&&You%will%need%to:%&1.&&Provide&your&NRDS&number.&&There&are&no&fees&associated&with&the&conference&as&long&as&you&are&a&member&of&NAR.&2.&&Make%sure%you%add%your%affiliate%as%CRS.%&The&Washington%Hilton&will&not&pop&up&as&the&first&hotel&for&availability.&&&The%CRS%Headquarter%Hotel%is:%Washington&Hilton 1919&Connec'cut&Ave.,&NW&Washington,&D.C.&&20009&&&MeeFng%dates%for%the%CRS%meeFngs%are:%Arrival&Wednesday,&May&14th&&&Departure&Monday,&May&19th&&(Please&be&sure&to&check&the&mee'ng&schedule&via&the&link&below&to&confirm&your&specific&arrival/departure&dates)&&&Link&to&the&Tenta've&Midyear&Mee'ngs&Schedule&&&When&registering&for&the&Midyear/Annual&Conference&Mee'ngs%TIME%IS%CRITICAL,%room%blocks%tend%to%fill%up%quickly&so&please&make&your&reserva'ons&as&soon&as&possible&(once&registra'on&opens).&&&If&you&have&ques'ons&or&concerns&please&email&crschapters@crs.com.

! MARCH 2014

! PAGE& 9

We%LOVE%Your%Referrals

ADVERTISING: NEWSLETTER 2014&Want&to&adver'se&in&our&newsleeer?&&We&are&accep'ng&adver'sers&for&2014&=&it&is&your&opportunity&to&get&addi'onal&exposure&in&our&newsleeer&plus&you&can&get&terrific&CRS&referrals!&&It’s&EASY!&Fill&out&the&

Sykesville&&&Westminster&Columbia&&&Ellicoe&City&

Bethesda&&&Washington&D.C.& Columbia&&&Ellicoe&City&

Elkridge&&&Columbia&

! MARCH 2014

! PAGE& 10