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We are thrilled to announce the relaunch of Rivers Title ,  our Kale Realty Title Company, now in partnership with Advisors Title Network (ATN)! This joint venture is designed to offer you and your clients unmatched value, service, and convenience. Here’s what this means for you: 1️⃣ Save Your Clients Money:  Rivers Title provides competitive pricing for title services, helping your clients save while still receiving exceptional service. 2️⃣ Boost Kale's Profitability:  Every closing with Rivers Title strengthens Kale Realty’s ability to keep offering you 100% of your commission. 3️⃣ Preferred Attorney Benefits:  Your preferred attorneys will receive the same perks they’d expect at any title company—with the added bonus of Rivers Title’s superior service. 4️⃣ Complimentary Marketing Packages:  When you close with Rivers Title using your preferred attorney, you'll gain access to complimentary marketing packages  from our new All-Star Program  (more details coming soon!). Getting Started To get your preferred attorney on board, simply email mb@kalerealty.com  with their name and email address, and we’ll take care of the rest. We’re excited to provide a better title alternative that benefits everyone—agents, clients, and attorneys alike. Together, we’ll ensure that every closing is a seamless and outstanding experience! 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 mitch@chicagolandpropertylaw.com

Rivers Title <powered by ATN : now accepts earnest deposits electronically (ACH) through DepositLink ! This new payment option is: Easy and Convenient : Clients can send their earnest deposit directly from their bank account using their computer, smartphone, or tablet. Safe and Secure : No need to worry about paper checks or bank wires. DepositLink’s platform ensures funds are transmitted securely. Quick : Transactions are processed promptly, providing peace of mind to everyone involved in the transaction. To start using this feature, simply share the following link with your clients:   DepositLink for ATN Illinois If you have any questions about this new service or need assistance, please reach out. We’re committed to making the closing process as seamless as possible for both you and your clients. 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 mitch@chicagolandpropertylaw.com

Kale Realty has a title company named Rivers Title. This allows you as the broker to work with our preferred attorneys who will not only do a fantastic job for your clients, but also hold earnest money and pay-out commissions much faster than using a third-party title company. Most of the time, by choosing Rivers Title your clients will get up to $500 back at closing, making you look like a hero! To use Rivers Title for your sellers, please contact Rick ( rick@kalerealty.com ) with the name of your Attorney and she'll help get them set up! www.riverstitle.com 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 mitch@chicagolandpropertylaw.com

For Kale Realty agents , handling earnest money deposits  has never been easier! When you work with an attorney signed up with ATN  to close on your listing transactions , Rivers Title powered by ATN  can securely hold the earnest money—making the process smoother and more convenient for all parties involved. How to Submit Earnest Money with Rivers Title ATN 🔹 Drop-Off at a Title Location  – Buyers can easily drop off earnest money at any of ATN Title’s Illinois offices . Find the nearest location here:   ATN Title Locations . 🔹 Electronic Transfer Option  – Buyers can also send earnest money electronically through DepositLink  for a small $15 fee . Use this secure payment link:   Pay Earnest Money Online . Why Use Rivers Title ATN for Earnest Money? ✅ Secure & Trusted Holding Process  – Ensures compliance and protection for buyers and sellers.  ✅ Convenient Drop-Off Locations  – Multiple offices across Illinois make it easy for buyers.  ✅ Fast & Simple Online Payment  – No need for in-person delivery; funds can be transferred instantly.  ✅ Streamlined Transactions  – Keeping earnest money within the ATN network ensures smoother closings. By using Rivers Title ATN  to hold earnest money, Kale Realty agents  can provide clients with a safe, efficient, and hassle-free  experience. If you have any questions or need assistance, feel free to reach out! 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 mitch@chicagolandpropertylaw.com #KaleRealty #RiversTitleATN #EarnestMoney #SmoothClosings

Here are the earnest money instructions. Money can be sent by: Wire - Instructions attached. Transfer through Deposit Check drop off at any of the ATN Title locations 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 mitch@chicagolandpropertylaw.com

Kale Realty’s title company, Rivers Title: can now offer closings at numerous convenient locations all around the Chicagoland area! This expansion is aimed at making your transactions smoother, more flexible, and easier for all parties involved. Here are the new closing locations in Illinois: Chicago / Loop 134 N. LaSalle, Suite 1750Chicago, IL 60602 Rosemont/O’Hare/Des Plaines 1700 W. Higgins Road, 2nd Floor (the "1700 Generator" Suite)Des Plaines, IL 60018 Northbrook 900 Skokie Boulevard, Suite 127Northbrook, IL 60062 Orland Park 62 Orland Square Drive, Suite 205Orland Park, IL 60462 Schaumburg 1701 E. Woodfield Road, Suite 640Schaumburg, IL 60173 Elgin 51 Douglas AveElgin, IL 60120 Warrenville 27475 Ferry Road, Suite 117Warrenville, IL 60555 Crystal Lake 457 Coventry Lane, Suite 128Crystal Lake, IL 60014 Gurnee 1800 Nations Drive, Suite 121Gurnee, IL 60031 If you have any questions about scheduling or the closing process at these new locations, please feel free to reach out to our title team. We appreciate your continued support and look forward to helping you provide even greater convenience to your clients. Thank you, and happy selling! 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 mitch@chicagolandpropertylaw.com

Rivers Title, powered by Advisors Title Network (ATN) and 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 mitch@chicagolandpropertylaw.com

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/

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 .

Use our DNC lookup  to verify if a phone number is on the federal do not call registry.

Below is a step-by-step guide on how to use the MRP tool to identify a list of agents who may have buyers for your listing and then email them efficiently. 1. Go to the MRP Tool Website Open your browser (preferably Google Chrome). Visit:   https://mrptool.com/ . 2. Log in to MRP Enter Username:  Enter Password:  Click Sign In (or similar login button). 3. Download the Chrome Extension (First-Time Users Only) Once logged into MRP, follow the on-screen instructions or the provided link to install the MRP Chrome extension. After installation, restart or refresh your Chrome browser if prompted. 4. Log Into ConnectMLS Open a new tab in Chrome. Go to the ConnectMLS login page. Enter Username:  Enter Password:  Click Log In to access ConnectMLS. 5. Access Your Listings Navigate to Listings in ConnectMLS. Select View My Listings to see the properties you currently have on the market. 6. Select the Agent Name Within your listings, locate the specific property you’d like to market. Find the agent’s name or relevant information associated with that listing. 7. Check the MLS # Look to the left of the listing’s MLS #. Check the box next to the MLS # to select it. 8. Click “REV Prospect” With the listing selected, click on REV Prospect. This option may appear as a button or link, depending on your ConnectMLS interface. 9. Use the MRP Chrome Extension Click on the MRP extension icon in your Chrome browser’s toolbar. Make sure you are still on the ConnectMLS page. The extension will automatically gather relevant agent information based on the listing. 10. Download Your Spreadsheet After the extension finishes compiling data, look for an option to “Download” or “Export”. Save the spreadsheet (e.g., a CSV or Excel file) to your computer. 11. Gather Agent Emails Open the downloaded spreadsheet. Copy all the agent email addresses from the file. Paste them into the BCC field of your new email (this ensures privacy for the recipients). 12. Send the Email Using the Template Use your preferred email client (e.g., Outlook, Gmail). Compose a new email or open the template you regularly use for agent outreach. Paste the emails into the BCC field. Customize any details in the email to reference the specific listing and your contact information. Send the email, and you’re done! ___________________________________________________________________ Subject: New Listing in [Town]: $[Price], [# Beds] Beds / [# Baths] Baths – Ideal for Your Buyer? Hello [Agent Name], I hope you’re doing well. I remember you mentioned you have a buyer seeking a property in the [Town] area. I believe this new listing might be the perfect match: Price: $[Price] Bedrooms/Bathrooms: [# Beds] beds / [# Baths] baths Location: [Town] Below is a photo of the property for a quick preview: [Insert Property Photo Here or Attach as Image File] I’ve also attached a PDF of the MLS listing sheet for your convenience. If you have any questions or would like to schedule a showing, please feel free to reach out. I’d be more than happy to accommodate you and your buyers. Thank you, and I look forward to hearing from you! Warm regards,

1. Start by reviewing the Kale Health Plan GPT Before anything else, please learn about the Kale group plan here: Ask the 78 page BCBC catalog questions. For example... "I am a family of 4- what are my plan options and the costs?" AI Details Bot 2. Compare the Kale plan with Marketplace options It’s important to compare the Kale group PPO plans with what’s available on the open Marketplace ( Healthcare.gov ). Some agents will qualify for lower-cost Marketplace options, while others, especially anyone wanting strong PPO coverage, may find the Kale plan a better fit.  Marketplace link:   https://www.healthcare.gov 3. If you’re interested in the Kale plan, schedule a call with our dedicated Blue Cross Blue Shield representative They will walk through benefits, pricing, and answer questions before you enroll. Tom O’Dekirk 630 254 9998 Tom.odekirk@lpl.com 4. Premium payments are made directly to Kale Realty Blue Cross bills Kale for the group plan, so agents pay their portion of the premium to Kale. This is not a profit center just a service we offer. 5. First two months of premiums are collected upfront Because Blue Cross bills in advance—and to ensure your coverage starts smoothly—we collect: Your first month of premium , and Your prepaid second month of premium , which is applied directly to Month 2 of your coverage This is  not  a fee or deposit. It’s simply prepayment for your first two months of insurance, aligned with the BCBS billing cycle. If you cancel or leave Kale, any unused prepaid premium will be refunded or go to the end of the cycle. After Month 2, payments switch to a regular monthly schedule. If you want to explore whether this plan is right for you, start by reviewing the GPT and comparing it with Marketplace options. Reach out to Tom with any questions about the plan and reach out to us about billing questions. Click the below file for the full detailed plan Information Summary: 1) Check the AI link and ask your questions 2) If it looks good, reach out to Tom to chat about plans (Tell him you are with Kale) 3) Set up on the auto payment  Questions let us know!