1️⃣ Identify the Buyer’s Problem ▢ Determine why they’re buying (renting, upsizing, downsizing, relocating, investing, etc.) 2️⃣ Identify the Solution ▢ Define what type of property best meets their needs and goals. 3️⃣ Schedule and Hold a Buyer Consultation ▢ Build rapport and understand their situation ▢ Demonstrate your professionalism and process ▢ Discuss pre-approval and connect them with a trusted lender if needed ▢ Explain the buying process and timeline ▢ Create an MLS search together and review sample listings ▢ Explain agency relationships and compensation ▢ Get the Buyer Agency Agreement signed 4️⃣ Upload Buyer Agency Agreement ▢ Upload the signed agreement to DotLoop 5️⃣ Schedule Property Tours ▢ Plan showings that align with the buyer’s availability and goals 6️⃣ Reconfirm Buyer’s Needs and Wants ▢ Meet to fine-tune criteria based on feedback and touring experience 7️⃣ Identify the Property to Purchase ▢ Help buyer select the best-fit home 8️⃣ Call the Listing Agent ▢ Ask what terms the seller wants in an offer ▢ Confirm any preferred closing dates or conditions 9️⃣ Write a Winning Offer ▢ Draft a competitive, complete offer package 🔟 Obtain Buyer Signatures on Disclosures ▢ Ensure buyer signs all required disclosures and forms 1️⃣1️⃣ Distribute Executed Contract ▢ Send executed contract to buyer’s attorney, lender, and the listing agent 1️⃣2️⃣ Communicate Details to All Parties ▢ In your introduction email, include key contract dates, contingencies, and contacts 1️⃣3️⃣ Upload Executed Contract & Disclosures ▢ Upload all signed documents to DotLoop 1️⃣4️⃣ Schedule the Home Inspection ▢ Coordinate the inspection — call BrickKicker! 1️⃣5️⃣ Review Inspection Findings with Buyer ▢ Advise on which issues warrant repair requests or credits 1️⃣6️⃣ Negotiate Inspection Items with Listing Agent ▢ Discuss and resolve inspection-related items with the other agent 1️⃣7️⃣ Update Attorneys on Inspection Results ▢ Email both attorneys with final inspection agreements 🔑 NEW: Post-Attorney / Inspection Resolution 1️⃣8️⃣ Request Broker Statement (Kale Realty Requirement) ▢ Request the broker statement from KaleHuddle.com 1️⃣9️⃣ Submit Broker Statement to Attorney ▢ Send the broker statement to the buyer’s attorney for closing preparation 2️⃣0️⃣ Complete Coaching Disbursement Form (if applicable) ▢ If working with a coach, complete the Coaching Fee Disbursement Form at the same time 2️⃣1️⃣ Stay in Touch with Lender ▢ Check regularly that loan approval and appraisal are on track 2️⃣2️⃣ Schedule Final Walk-Through ▢ Book the walk-through 24 hours or less before closing 2️⃣3️⃣ Handle Walk-Through Issues Promptly ▢ Communicate any problems directly to the listing agent 2️⃣4️⃣ Attend the Closing ▢ Support the buyer at the closing table 2️⃣5️⃣ Upload Settlement Statement ▢ Add the final settlement statement to DotLoop 2️⃣6️⃣ Deposit Your Kale Check ▢ Deposit your commission check into Chase 2️⃣7️⃣ Upload Deposit Slip ▢ Upload the deposit slip to DotLoop ✅ Pro Tip: The biggest breakdowns happen between inspection resolution and closing—this is where deals fall apart or get delayed. Stay tight on communication, timelines, and documentation during this phase. Attorney Review, Inspection, and Appraisal Attorney review and inspection periods are typically 5 days unless otherwise notated on the contract. The attorney will handle review, and will send extensions (as long as you keep them in the loop) to the other side of the transaction if you need them for the inspection. The inspection should only be attended by the buyer. It needs to be scheduled as soon as a contract is signed. I suggest you talk about this at the beginning of the process so your client is prepared and has someone chosen. Set the expectation right away as to who will be scheduling. The buyer and buyers agent should attend. Don’t forget to schedule if you are the buyer! The appraisal should only be attended by the listing agent. It is recommended you bring comps and chat with the appraiser about their comps so you may be able to point something out. How should I prepare for a buyer-side closing? Congrats!!! A couple days before the closing you will need to contact the listing agent and set up the final walk-through. Typically, the best time to do this is right before the closing. So if the closing is at 10am, set it up for 9:30am and then drive over to the title company. At the final walk-through you make sure the seller has cleaned out the property and everything looks good. Flush some toilets, open and close a few windows, etc. Here are some examples of situations I’ve run into: The seller took the refrigerator and replaced it with a low quality one. At the closing table, the seller had to give the buyer a credit of $5000. The seller left the property SUPER dirty and had to credit the buyer $250 to clean it up. The seller took an expensive light fixture. The closing was delayed until the next day after the seller reinstalled the fixture and my clients had a second walkthrough. CAUTION! I once told a client that I would do the final walk-through for them as they were out of town. I thought everything looked great. Two days later my clients moved in and there was a huge stain on the carpet. They blamed me and I ended up having to buy them a new carpet for $900! The moral of the story is don’t do a final walk-through without your client present and make sure to have a keen eye for anything that looks odd. This is the last opportunity to negotiate at the closing table. Documents & Related Guides Documents needed when working with a buyer Documents needed when writing an offer Documents needed when getting ready to close Documents needed after closing Brokerage Statement Request & Green Sheet FAQs How do I get paid? Depositing your commission check Rivers Title: save your clients money

Kale Realty has its own title company: Rivers Title, powered by Alliance Title. When you close with Rivers Title, your clients save money and you get a smoother closing. Why Use Rivers Title? Your clients save: a $500 discount on the title policy, which is about 28–32% off title costs. Trusted attorneys: work with our preferred attorneys at Chicagoland Property Law to represent the seller. Faster closings and payouts: Rivers Title can hold earnest money and pay out commissions faster than a third-party title company. Keeps your fees low: every Rivers Title closing helps Kale keep agent fees low. Strong partner: Rivers Title is powered by Alliance Title, a leader in the industry. How to Use Rivers Title for Your Seller Call Rick Williams at 312-585-6638 (the fastest way to reach him) or email rick@kalerealty.com. Let him know the property and which attorney you'd like to use (see the list below). Rick handles the setup with the attorney and title company. Our Preferred Attorneys at Chicagoland Property Law Mitch Mancione, Esq. – (630) 212-4828 or (630) 212-2828 | Mitch@chiproplaw.com Frank Panzica, Esq. – (773) 551-0748 | Frank@chiproplaw.com Casey Hornsby, Esq. – (630) 854-2860 | Casey@chiproplaw.com Kayli Arellano, Esq. – (312) 995-0094 | Kayli@chiproplaw.com Elizabeth Dalton, Esq. – (815) 735-6042 | Elizabeth@chiproplaw.com Earn Extra Income as a Title Agent Close 5 or more listings a year? You can become a Title Agent yourself and add another income stream to your business. Call Rick at 312-585-6638 to learn more. Learn more: About Rivers Title · Does Kale hold earnest money? · riverstitle.com

Kale Realty does NOT hold earnest money. However, our title company, Rivers Title (powered by Alliance Title), can when the deal closes with Rivers Title. Representing the Seller? Call Rick Williams at 312-585-6638 (the fastest way to reach him) or email rick@kalerealty.com. Rick will get your transaction set up with Rivers Title so it can hold the earnest money. Not Using Rivers Title or a Kale Preferred Attorney? Ask your client's attorney to hold the earnest money. If the attorney can't, ask the agent on the other side whether their brokerage can hold it. Protect Your Clients From Wire Fraud Never trust wire instructions that arrive by email alone. Always confirm them by phone, using a number you already know, before any money is sent. Learn more about Rivers Title and how it saves your clients money.

Rivers Title, powered by Alliance Title, is your trusted partner for seamless real estate transactions. Rivers Title is a full-service Title Insurance agency based in Illinois, backed by top national title insurance underwriters to safeguard your property rights and ensure peace of mind. At Rivers Title, we provide a comprehensive suite of title insurance, settlement, and escrow services for residential, commercial, and new construction real estate throughout Illinois. Our team of seasoned industry professionals is dedicated to delivering smooth and efficient transactions, treating each one with the utmost care as if it were our own. What Sets Us Apart: Flexible Closing Options: We offer convenient closing hours and multiple office locations to better serve our clients. Experienced Team: Our knowledgeable staff brings over 20 years of average experience, ensuring expertise at every step of the process. Efficient Processes: We prioritize prompt and efficient closings to save you time and hassle. Competitive Pricing: Our pricing is designed to deliver excellent value without compromising on quality. Our title products are underwritten by industry-leading companies, including First American Title, Chicago Title, Fidelity National Title, Alliant National Title, and AmTrust Title Insurance Companies. With the strong backing of these underwriters, we ensure that your transactions are handled with the highest level of security and professionalism. Choose Rivers Title for a trusted title company that prioritizes your success in every transaction. Whether you’re buying, selling, or building, we’re here to make your real estate journey smooth and worry-free. Q - How do I use River's Title? A - Contact Chicagoland Property Law the next time you have a listing! They'll do the rest! They can be reached at (630) 212-4828 or (630) 212-2828 or mitch@chicagolandpropertylaw.com

Brokerage Statement Requests & Green Sheet FAQs What is a Brokerage Statement Request? A Brokerage Statement Request is the process used to request a commission invoice and transaction receipt documentation from Kale Realty once a transaction has reached the proper stage in the process. This request helps ensure all transaction details are accurate before commissions are processed. What is the Green Sheet? The Green Sheet is your commission and transaction summary document. It provides a breakdown of: Commission details Brokerage fees Referrals (if applicable) Agent payouts Other transaction-related deductions or credits The Green Sheet is designed to give brokers a clear and easy-to-read summary of the transaction. When should I submit a Brokerage Statement Request? Brokerage Statement Requests should be submitted once the transaction is through attorney/inspection (A/I). At that stage, brokers typically have the necessary documentation needed to request a brokerage statement. Why should I submit the request once the file is out of A/I? Submitting the request once the transaction is past attorney review/inspection helps: Avoid last-minute delays Allow time for review and corrections Ensure commission details are accurate Prevent closing-day issues or rush processing Waiting until the day before closing or the day of closing may delay processing or create unnecessary urgency. How do I submit a Brokerage Statement Request? Submit your request using the Brokerage Statement Request form/process provided by Kale Realty. Be sure to include: Property address Transaction type Client name(s) Commission details Referral information (if applicable) Any additional notes relevant to the transaction Incomplete requests may delay processing. When will I receive my Green Sheet? Your Green Sheet will typically be generated after the Brokerage Statement Request has been reviewed and processed. Timing may vary depending on: Transaction complexity Missing documentation Pending referral confirmations Contract revisions or amendments What does the Green Sheet include? The Green Sheet may include: Gross commission Brokerage fees Referral deductions Agent payout amount Transaction information Coaching fees, if applicable Additional credits or deductions related to the transaction Will I receive a Green Sheet for every transaction? Yes. The Green Sheet serves as the commission and transaction summary for all processed transactions through Kale Realty. What if commission details change after submission? If commission amounts, referrals, or transaction terms change after submission, a new Brokerage Statement Request must be submitted. Please notify the admin/accounting team as soon as possible so the Green Sheet and commission invoice can be updated accordingly. Can I submit multiple Brokerage Statement Requests at once? Yes, but please ensure each transaction includes complete and accurate information to help avoid delays in processing. Who should I contact with questions? If you have questions regarding Brokerage Statement Requests or Green Sheets, please reach out to the Kale Realty Admin team for assistance. Video walkthrough: How to request a brokerage statement

All sales and rental commissions are paid by direct deposit. We can't issue paper checks. This is for your safety and convenience. New to Kale? Set up your direct deposit here before your first closing. Step 1: Get the Commission Check to Kale Option A: Deposit at any Chase Bank branch (saves you a trip to the office) Check payable to "Kale Realty": Account Name – Kale Realty, Account Number – 202017839 Check payable to "Kale Home Advisors": Account Name – Kale Home Advisors, Account Number – 536912295 These are deposit-only accounts. Option B: Bring the check to the Kale office. Option C: Ask the title company to wire the funds directly to Kale Realty. Step 2: Tell Us You Deposited It Keep your Chase deposit receipt. Fill out the Commission Deposit Form so we know to look for the check. In Dotloop, create a Closing Docs folder in the loop. Add the Commission Deposit Submission (Add Document > From Templates > Kale Realty Forms), then upload the settlement statement and your Chase deposit receipt. Submit the folder for review. Step 3: Make Sure Your File Is Complete We can't pay you until everything below is submitted for review in Dotloop: Executed listing agreement (if you represent the seller) Fully executed contract Fully executed disclosures Any addenda or amendments Final settlement statement (ALTA/CD) and Commission Deposit Submission Tip: Don't wait until closing. Listing agreements go to the office before the property hits the MLS, and contracts should be turned in as soon as they're accepted. When Will I Get Paid? Payments are usually made within 1–2 business days once we have ALL required documents and the funds have cleared. Missing paperwork is the #1 reason payments are delayed, so watch your email and your Dotloop loop in case our team needs something. Questions? Email info@kalerealty.com.

Keep this checklist handy whenever you prospect by phone! ✅ Before You Call Check the National DNC Registry – Scrub your call lists. Check Kale’s Internal DNC List – If someone has asked not to be contacted, you cannot call again. Verify Business Relationship – You may call if: You’ve completed a transaction in the last 18 months, OR The person inquired in the last 3 months. 📋 When You Call Only call between 8:00 AM – 9:00 PM local time. Always identify yourself as a Kale Realty broker. Respect requests to stop calling—add them to Kale’s internal DNC list immediately. Keep notes on the source of your lead and outcome of the call. 🚫 Never Do Do NOT cold-call numbers on the National DNC list without a valid exception. Do NOT ignore “Do Not Call” or “Do Not Contact” requests (verbal or written). Do NOT use autodialers or robocalls for residential prospects. ⚠️ Penalties for Violations Fines of up to $51,744 per call (FTC/TCPA). Possible state penalties and lawsuits. Disciplinary action by Kale Realty. 💡 Best Practices Use Kale-approved CRM tools with DNC compliance. Focus on SOI, referrals, and networking for prospecting. If unsure—don’t call. Choose another method (email, social, mailers). Remember: Compliance is not optional—it protects you, the brokerage, and our clients. Do Not Call Registry As part of our ongoing commitment to professionalism and adherence to legal regulations, we are writing to remind all Kale Realty real estate agents about the procedures for complying with the Do Not Call (DNC) Registry. It is imperative that all our agents understand and follow these procedures diligently to ensure we maintain the highest standards of ethical conduct and legal compliance. We have adopted the use of the RealPhoneValidation platform (click here) to facilitate compliance with the DNC Registry. Before any agent picks up the phone to call or send a text message to a prospect or client, it is mandatory to check the DNC Registry through the RealPhoneValidation platform. The DNC Registry exists to protect individuals from unwanted solicitation calls and messages. By respecting the DNC Registry, we demonstrate our commitment to ethical business practices and respect for individuals’ privacy preferences. Failure to comply with the DNC regulations can result in severe consequences, including significant fines and damage to our agency’s reputation. Consequences of contacting someone on the Do Not Call Registry may include, but are not limited to: Monetary fines imposed by regulatory authorities for each violation. Negative publicity and damage to our agency’s reputation. Potential legal action taken against both the individual agent and our agency. It is crucial that all our agents understand the gravity of non-compliance with the DNC regulations and take the necessary steps to ensure full adherence. We encourage open communication and support for any questions or concerns regarding DNC compliance. Thank you for your attention to this matter. By working together to uphold the highest standards of professionalism and legal compliance, we continue to strengthen our reputation as a trusted real estate agency. Should you have any questions or require further clarification on DNC compliance procedures, please do not hesitate to contact risa@kalerealty.com. Do Not Call Lookup Use our DNC lookup to verify if a phone number is on the federal do not call registry. Do Not Call Registry Will you refresh my memory about the Do-Not-Call Registry? Answer: The Telephone Consumer Protection Act (TCPA) created the Do-Not-Call Registry and the Federal Communications Commission (FCC) enforces the same. The Do-Not-Call Registry is a nationwide database where consumers place their telephone numbers indicating that they do not wish to be contacted by telemarketers. The Federal Trade Commission manages the database and also responds to complaints about prohibited calls to those number on the Do-Not-Call Registry. Simply put, if a consumer’s telephone number is on the Registry, they must not be contacted for telemarketing purposes. There are a couple exemptions to this rule: Has the consumer reached out to you to inquire about your services? If so, that consent exists for three months beginning from the date the consumer makes the inquiry. You would be able to return calls to those interested consumers even if their telephone number is on the Registry. However, if you contact this consumer and they then make a specific request for no further contact from you or your company, you must abide by that request, and add their information to your company specific do-no-call list. Do you have express written permission from the consumer to contact them? If so, you may contact them even if their number is on the Registry. That permission must be in writing and include the person’s name, signature and telephone number. The consumer can revoke that consent at any time. A common question regarding the Registry relates to FSBO or expired listings. If you are representing a buyer and you contact a FSBO listing, that would not be considered a telemarketing call because YOU are not offering any services or products. But, you must be calling on behalf of your actual buyer client who is actually interested in the listing. However, if you are calling an owner who is advertising a FSBO listing, or are reaching out to an owner whose listing with another agent has expired, you cannot call that owner if their telephone number is on the Registry AND the purpose of your call is to offer your services, such as listing the property. A possible exception in this scenario is where your company had the expired listing, and you fall under the existing business relationship exemption. Please note, if you are making pre-recorded/artificial messages or using an automatic telephone dialing system (ATDS) you must have express written consent from the consumer that clearly and conspicuously discloses that the purpose of the consent is to authorize you to place prerecorded calls to that consumer. You cannot require that the consumer give this consent as a condition of purchasing a good or service. Finally, you must obtain that consent directly from the consumer – you cannot place calls with prerecorded messages to consumers whose information you obtained from third parties. Here are some best practices to keep in mind relating to telemarketing: The best way to protect yourself from violations of the TCPA is to obtain prior express written consent from the consumer and make sure you retain those records. Have an office policy in place that addresses the Do-Not-Call Registry and the TCPA. Train your agents and staff on that policy and make sure it includes maintaining and updating a list of consumers with express consent along with consumers that have opted out of contact from your office, through a company specific do-not-call list. Even if you receive a curated list of leads, you must cross check those names and numbers with the Registry before calling or texting. Review the terms of service with your vendors that you use to obtain telephone numbers or provide automated calls and texts. Will those vendors indemnify you and your office from potential TCPA liability? We have adopted the use of the RealPhoneValidation platform - https://realphonevalidation.com/do-not-call-list-scrubbing/

Dotloop is a transaction management platform designed specifically for real estate professionals. It allows agents, brokers, and clients to collaborate on real estate deals in one place by combining forms, e-signatures, compliance, and storage into a single streamlined experience. What is Dotloop? Dotloop simplifies and centralizes your real estate transactions. Instead of juggling PDFs, emails, and multiple tools, everything happens within a single "loop" (a workspace for your transaction). Learn more here:What is Dotloop? Getting Started If you’re new to Dotloop or recently joined our brokerage, here are key resources to set up your account and get started: Set Up Your Account:Step-by-step setup guide Activate Your Account From Email Invite:How to join Dotloop via email invitation How Clients Sign Documents:Guide for Clients: How to Sign Documents Your First Loop (Create a Transaction):How to Create and Manage Your First Loop Best Practices for Brokers and Agents Loop Naming: For buyer-side transactions, name the loop using the buyer’s name (e.g., "John Smith") until you have a property address. For listing-side transactions, name the loop using the property address (e.g., "123 Main St"). Folder Organization: Keep your documents grouped into folders (e.g., Listing Docs, Contract Docs, Compliance) to maintain a clean workflow. Compliance Notes: Use the “Notes” section within each document or loop to communicate with the compliance team or administrators. Review for Missing Signatures: Always verify that all required parties have signed before submitting documents for review. Submit for Review: Submit documents for compliance review as early as possible in the transaction process. Do not wait until closing day. For more best practices, review:Best Practices for Real Estate Professionals Training Videos For a full walkthrough, watch this Dotloop training video:Dotloop Agent Training Video Additional Support Dotloop’s help center offers searchable articles and step-by-step tutorials: Dotloop Help Center If you have any questions or need assistance with setup, compliance, or transaction management, please contact our support team. Steps to Sign In to DotLoop Steps to Sign In: Step 1: Open the Sign in page Open your web browser and in the address bar type in www.dotloop.com If you are on the dotloop homepage, click Sign in at the top right corner. Step 2: Enter your email address and click Continue Enter your email address for your account and click Continue. Step 3: Enter your Password. If you forgot your password, continue to step 4. If not, you are all set! Step 4: Click “Forgot Password?” And enter your email address and click Continue Enter your email address and click Continue. Step 5: Open your email inbox An email will be sent to you from ShowingTime Plus. The email subject will show you the date and time the request was sent, and the subject: Password reset request. Open the email and click the Reset Password button. NOTE: Email providers can "stack" similar emails. If you receive an error when clicking the Reset Password button, delete all prior reset password emails and click the Reset Password button in the most recent email. Use the timestamp from your email provider to determine which email is the most recent. Step 6: Enter new password Type your new password twice, then click the Reset password button to finalize the process. You will now be prompted to log in to your account with your new password. Note: Your dotloop password must contain at least 10 characters, upper case letters, lower case letters, and numbers. How to Submit for Review in Dotloop Open your Loop Navigate to the transaction (loop) that contains the documents you want to submit. Locate the “Submit for Review” Button In Dotloop 1.0 (in other words, not the Beta version), this button is found in the top-right corner of your loop view, above your folders and documents. Select Folder(s) A pop-up will appear prompting you to check one or more folders you’d like to submit. Dotloop only allows folder-level submission (not individual documents). Choose the Workflow Use the dropdown menu to make sure the correct review workflow is selected (e.g., Leasing Review, Sales Review, etc.). Add Notes (Optional) You may include a short message for the compliance team, if needed. Click “Submit for Review” Once submitted, the folder will be marked as “Submitted,” and your broker or admin will be notified. Where to Learn More You can follow Dotloop's official instructions here: Submit for Review – Dotloop Support Dotloop How To’s and Tutorials Customizing a Workflow https://support.dotloop.com/s/article/Customizing-Workflows How to have Clients Sign? https://support.dotloop.com/s/article/How-Clients-Sign Assigning Signature? https://support.dotloop.com/s/article/Assigning-Signatures How do I edit a document in a loop and assign signatures? https://support.dotloop.com/s/article/Working-With-Interactive-Documents How to add Association Documents? https://support.dotloop.com/s/article/Add-an-Association How do I find my NRDS number? https://login.connect.realtor/#!/forgotmember How to change my name, email address or password for my profile? https://support.dotloop.com/s/article/Account-Settings How can I archive and unarchive documents (missing documents)? https://support.dotloop.com/s/article/Archive-Delete-Documents-and-Folders How can I contact support? Hours: M-F 8am-10pm, S-S 9am-6pm EST Call us: 888-dot-loop (888-368-5667) Send us an email: support@dotloop.com Chat with us: use the chat bubble at the bottom right corner of this page

Now available at www.CutAboveGifts.com Looking for a memorable, high-quality closing gift that will leave a lasting impression? 🎁 Say goodbye to boring gift cards and forgettable baskets — and say hello to Cutco Knives, the gold standard of client appreciation. 🔪 Why Agents Love Cutco for Closings: Cutco products are crafted to last a lifetime, making them a perfect way to celebrate your client’s new home. These knives are not only functional and beautiful, but they’re the kind of gift that becomes part of everyday life — reminding your clients of you every time they cook a meal. 🧰 Thoughtfully Curated Gift Sets Choose from 30+ expertly selected knife and kitchen sets — all packaged in sleek, ready-to-gift boxes. Whether you're gifting a full set or a single utility knife or pair of Super Shears, Cutco delivers a premium unboxing experience every time. Want to take it up a notch? Add the Deluxe Gift Box and signature foil gift wrap to turn your thoughtful gesture into a truly elegant experience. ✍️ Personalize It for Maximum Impact Most Cutco kitchen knives, gift sets, and accessories can be personalized with your client’s name, closing date, or even your own branding. Personalization options include: Blade engraving with custom text or monogram Brass plate customization for knife blocks or flatware chests Pocket knife engraving on either the handle or the blade (or both — call to order!) 📞 Want to engrave multiple items in a set? Call 1-800-633-8323 for custom bulk orders. Engraving Fee: Just $10 per personalization location Production Time: Add 1–2 days for custom text and 2–4 days for monograms 🛒 How to Order: It’s simple — head to www.CutAboveGifts.com to browse, personalize, and order your Cutco gifts. Orders can ship directly to you or your client, and express options are available. 🎉 Bonus Tip: Use Cutco as a Raffle Prize or Pop-By! These knives also make great event giveaways, referral thank-yous, or even vendor appreciation gifts. We’ll be showcasing some Cutco products at our October 8th Summit at Carlucci in Rosemont — come check them out in person! Final Word: A Cutco knife isn’t just a gift. It’s a statement. It’s longevity. It’s your brand, literally in the hands of your clients — for life. 🛍️ Visit www.CutAboveGifts.com and start personalizing today. Because nothing says “thank you” like a gift they’ll never forget. Closing Gifts One of our very own agents has a company who can provide you with AWESOME CLOSING GIFTS! 2 options: Michigan Ave box ($200) 2-8oz prime filets 2-16oz prime boneless ribeyes 2-16oz Prime New York strip State street box ($125) 2-6oz Prime filets 2-16oz prime boneless ribeyes The gift box is delivered in a matte black box with white and 6-red confetti inside in addition to dry ice to keep all the items ice cold. On the front of the box you would See the kale logo as well as the YOUR name. Inside the box will come with a note- YOU can choose what the message will say. Contact MINO today to place an order!!! 630-796-1851 https://minoprime.com/custom/ How to order a custom gift box from Mino Prime 1. Visit the Mino Prime Custom Page Open your preferred web browser (e.g., Chrome, Safari, Firefox). Go to https://minoprime.com/custom/. 2. Choose Your Customization Options On the Custom page, review the available products and customization features. Depending on the product category, you may be able to: Select different materials or styles. Upload logos, images, or design files. Add text or personalized messages. 3. Provide Project Details Look for a form or contact button that allows you to submit your specific requirements. Fill out relevant fields such as: Quantity needed. Design preferences (colors, sizes, branding guidelines). Any special instructions (timeline, packaging needs, etc.). 4. Upload Any Artwork or Designs If you have logos or images ready: Click the Upload or Choose File button. Locate the file on your computer or cloud storage. Confirm the upload is successful. If needed, you can often attach multiple files or share design references. 5. Submit Your Request or Contact Mino Prime Click the button to submit your request. You may receive: An on-screen confirmation that your request has been received. A follow-up email with a summary or confirmation of your order details. 6. Await a Quote or Final Invoice Mino Prime’s team will review your specifications and provide: A quote or invoice based on your custom options and quantity. An estimated turnaround time for production and shipping. Review all details and confirm your order once you’re satisfied. 7. Finalize Payment and Shipping Details Pay the invoice using the payment methods Mino Prime accepts (credit card, PayPal, etc.). Confirm your shipping address and any delivery preferences. 8. Receive Your Custom Package Keep an eye out for a tracking number or shipment notification. Once it arrives, verify that everything matches your custom design and order specifications. That’s It! Following these steps should make ordering a custom package from Mino Prime straightforward and stress-free. If you have any questions or special requests, don’t hesitate to contact Mino Prime’s customer support team directly.

MARIA W. KENNEDY A and N Mortgage Services, Inc. VP of Mortgage Lending mariaw@anmtg.com 773.305.7088 https://www.anmtg.com/mlo/maria-willging-kennedy TERRENCE TERRELL A and N Mortgage Services, Inc. VP of Mortgage Lending Terrence@anmtg.com (847) 208-7309 https://www.anmtg.com/mlo/terrence-terrell A and N Mortgage Downloadable files below. The Mortgage Process The A and N Difference IHDA 2-4 Unit Financing Licensed States Map Parking at A&N Mortgage A&N Mortgage has lots of parking on site. If that does fill up, there is plenty of parking on the side of the building as well as some street parking.

Below are the logos approved by management for use by agents. Make sure to always add the equal housing logo (required by IAR and NAR) to every marketing piece. Also, if you’re planning on creating your own marketing materials outside of the Kale templates for business cards, flyers, brochures, mailers, billboards, bench backs, door hangers, etc., you’re required to submit that to info@kalerealty.com for approval before that ad goes live. This is to protect our company license and yours. We’ll take a quick look at it and can approve the design in usually just a few minutes. Fines for compliance issues from the state start at 1k and go up to 20k and we’d love never to have to cut that check because of a compliance omission. Thanks for your understanding! We have two different color options – logo with blue font and a logo with white font. You may use both! Click the button to download. What are the Kale logo colors? Looking to use Kale’s colors in your marketing? Look no further. The word “Kale” RGB 25, 57, 108 CMYK 77, 47, 0, 58 Kale Letterhead Download here: Marketing and Branding Guide Welcome to the Kale Realty Marketing and Branding Guide! This guide will help you maintain a consistent and professional brand image while ensuring compliance with Illinois Real Estate License Law, IAR (Illinois Association of Realtors), and NAR (National Association of Realtors) guidelines. Please follow the branding and compliance rules outlined below when creating marketing materials. Agent Branding Handbook - Click here Kale Realty Brand Colors To maintain consistency across all marketing materials, it is important to use Kale Realty’s official colors: - Primary Color – Kale Blue: - RGB : 25, 57, 108 - CMYK : 77, 47, 0, 58 These colors should be the dominant colors in your marketing materials to reflect the brand accurately. Kale Realty Logos We offer two approved versions of the Kale Realty logo, which can be used interchangeably: 1. Blue Font Logo 2. White Font Logo Both logo options can be found here. When using the logo, ensure it is not altered in any way and maintains its original proportions and clarity. Avoid stretching, changing the color, or modifying the design . Equal Housing Logo The Equal Housing Opportunity logo is required by the IAR and NAR to appear on every marketing piece . This includes business cards, brochures, flyers, social media posts, websites, and other promotional materials. Make sure to include this logo prominently alongside the Kale Realty logo. Download here Creating Your Own Marketing Materials If you plan to create your own marketing materials outside of the pre-approved Kale Realty templates, such as: - Business Cards - Flyers - Brochures - Mailers - Billboards - Bench Backs - Door Hangers - For sale signs Submit your designs for approval before they go live to ensure compliance with industry regulations. Send them to info@kalerealty.com for a quick review. This step helps protect both your license and Kale Realty’s company license. State compliance fines start at $1,000 and can go up to $20,000 , so it’s crucial to follow this process to avoid costly penalties. Additional Branding Guidelines 1. Fonts : Stick to professional fonts that complement the Kale brand. Sans-serif fonts like Arial, Helvetica, or similar clean fonts are recommended. 2. Imagery : Use high-quality images that reflect professionalism and the real estate industry. Avoid cluttered or low-resolution images. 3. Consistency : All marketing materials should align with Kale’s brand tone—professional, approachable, and trustworthy. Consistency in color, font, and logo usage is key to maintaining a strong brand presence. 4. Compliance : Along with displaying your license number and the broker affiliation (Kale Realty), include required legal disclosures and other mandated information, on all materials. If you have any questions regarding Kale Realty branding or marketing compliance, please reach out to us at info@kalerealty.com. Thank you for your dedication to maintaining the Kale Realty brand and ensuring full compliance in your marketing efforts. We’re here to support you and ensure that your materials reflect the quality and professionalism that Kale Realty stands for!

Wanting to drive more business through social media? We can help! Our team has put together lots of social media posts that you can easily customize and send out to your followers. We have multiple different categories of templates (each category has dozens of unique posts). If you need the Kale logos to use with Canva, download them here. Just Sold Just Listed Price Change Open House Promote Yourself My real estate bucket list Thank you for helping my business grow Tell a Friend to Tell a Friend Where my hours go as a real estate agent What makes me happy? Easy. When there aren't any homes on the market... From my favorites folder You Just sell Houses For Sellers Expired Listing Guide (Not intended for Social Media) Let's talk about open house foot traffic: how I get more people in your door Hot take: Don't do this to your home before selling This is what the Zestimate said the home was worth... Cheat codes I wish I knew as a seller What REALLY impacts your home's value? Never do this at an open house... The power of staging: How to make your home stand out How do I know if my home needs staging? For Buyers Home Budget Tracker Deal of the Week Happy Home Anniversary Win a bidding war without offering the highest price What does a Buyer Consult Look Like? Bad time to buy? Here's my take What happens when you buy a home in a city you don't know This Home is For you if... If I were in the market to buy a home, here's what I would look for Instead of buying an Airbnb, what about this? Just because the lender gives you the green light... Market Update What the news won't tell you about the housing market 5 year Home Price Predictions What an election year means for the Housing Market Location Specific All things ___ in your inbox Unexpected Date Night Spots in ___ Your ___ Starter Kit Causes near and dear: My favorite initiatives in ____ Which neighborhood are you picking in ___? You moved to ___ to do more of this [City Name] ✨ Holidays/Seasonal Father's Day- The Broke Agent Summer Staycations a quick drive from ___ Fourth of July Festivities in ___ Fourth of July: Where to Celebrate in ____ Basking in the rays: Pools, Parks & patios to visit in ___ This or That: Summer edition What Summer looks like these days Quarter 2 Roundup Summer Pop-by tags June Recap- Ins & Outs Holiday Bucket List: ___ Edition Holiday Gift Guide for Realtors Styling Your Home for Thanksgiving Sides that Slay: Recipes for Thanksgiving Local Fall Happenings (FOR SELLERS) Selling this summer? What you need to know (FOR BUYERS) The Official Buyer's Roadmap to Be Home for the Holidays (FOR BUYERS) Holiday Gift Guide for New Homeowners (FOR BUYERS) Wanna be Home for the Holidays? (FOR BUYERS) 90 Days to Homeowner Challenge (Not intended for Social Media) (FOR BUYERS) Look for These Listing Features if You Love Hosting Thanksgiving Newsletters and Mailers Monthly Email Newsletter: Text-based Monthly Email Newsletter Misc. When timeless meets trendy- Design styles with staying power Real Estate Life- The Broke Agent Feeling stuck in your starter home? Something we're all thinking about? Housing affordability When the lender says "work on your credit" More content is continuously being added to this list! How to Create Kale-Branded Social Media Posts Open the Social Media Template Library. Choose the template you want, such as Just Sold, Just Listed, Price Change, or Open House. On the Canva preview, click View template. Sign in to Canva if prompted, then use the template to create your design. Button wording after sign-in may vary. You will be redirected to Canva. Upload the agent’s headshot and drag it into the template. Upload the property photos and place them in the template. Enter agent’s contact information in a text box. Click “Share.” Click “Download.” Select your preferred file type (JPG). Upload the graphics to social media. That’s it! Following these steps will ensure your posts maintain the Kale brand style while showcasing the property and your agent details. The Expired Listing Guide is not intended for social media. Canva Pro requirements have not yet been confirmed for these templates. If Canva asks you to pay, contact Risa at risa@kalerealty.com before purchasing.