introducing only orly and her team Phone 973

introducing “only” orly and her team Phone: 973 -962 -5410 Orly@Only. Orly. com www. onlyorly. c om Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 1

MISSION STATEMENT We are a dynamic team focused on using our professional expertise to guide and support each other and our clients with integrity and a positive attitude. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 2

Our Vision Traveling with Orly is all about the photo opportunity!! She delights in finding interesting places that few people visit, where she can take beautiful photos!! Her friends credit the in depth research Orly does with making her vacations so interesting and extra special. That same tenacious research goes into the marketing Orly does for each property she sells. Each situation is unique and has its own set of challenges. As the real estate market becomes more complex, we constantly strive to improve our services and add to our marketing insight. Keeping up with what is going on in the marketplace allows us to design services and marketing plans especially for you. The informed seller and buyer have an edge in today's market, and yet, getting the right information isn't always easy. By providing this material, our intent is not to oversimplify the home selling process, but to bring you to a better understanding of what it takes to sell your home. Our comprehensive marketing and servicing program ensures that sellers will receive all that their home is worth, and that it will be showcased is as many different media as possible. Please take a few minutes and look through what we have prepared for you. If you have any questions, don't hesitate to give us a call. We want to be your Real Estate Resource! Phone: 973 -962 -5410 “I like to win - and a win for me is a client who gets what they want and is so happy with my services that they refer their friends and family to us!!” Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 3

ORLY STEINBERG Realtor, CNR CRS, GRI, SRES, CDPE “. . . to provide superior quality service with the highest level of personal integrity. while creating financial security and maintaining a balanced life. ” Associations and Affiliations My Philosophy My belief is that life and real estate should be conducted in an optimistic, enthusiastic manner, full of passion and positive energy. I strive to make a difference in people's lives with honesty, compassion and empathy. I conduct my business with consistent focus and direction while keeping service as the highest priority. Orly Steinberg • • • National Association of REALTORS New Jersey Association of REALTORS Garden State MLS New Jersey MLS Passaic County Board of REALTORS Ringwood Chamber of Commerce - Board of Directors Lakeland Hills Jewish Center - Board of Directors President of Sisterhood Notary Public, State of New Jersey Career Accomplishments • Coldwell Banker Residential Brokerage President’s Council Award, 2000 -Present • Ranked in Top 1% o f More Than 100, 000 Coldwell Banker Sales Associates Internationally • #1 Sales Associate since 1998 • NJAR Circle of Excellence Platinum 2002 – Present • Howard Brinton Star. Power “Star“ • Allen Hainge Cyber. Star • Coldwell Banker Residential Brokerage Relocation Specialist • Nationally Recognized Real Estate Speaker and Educator • Ringwood Chamber of Commerce Board of Directors • Certified Distressed property Expert – 2009 • NAR Senior Real Estate Specialist Designation – 2004 • Floyd Wickman’s Star Program - 1995 • Certified Residential Specialists (CRS Designation) - 1993 • Graduate of the Eagle Program -1991 • Gradate REALTOR Institute - GRI Designation - 1989 • Broker Certified – 1989 • Certified Negotiations Expert-2016 Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 4

The”Only” Orly and her Team of Experts Feedback from Showings Negotiate Offers Pre-Qualify Buyers With a Team, we can do Everything! Present Offer Contracts Coordinate with Appraisers Manage Database Comparative Market Analysis Write Magazine Ads Order & Pick-up Supplies Coordinate Repairs Call Lenders Weekly Prelisting Presentation Make Flyers Coordinate with Escrow Officer Call Client Weekly Set Showings Call Title Company Review Prelim Title Review Settlement Statements Enter in MLS AGENT Put Signs Up Hold Open House Put Up Lock Boxes Handle all Calls Enter on Internet Handle all Calls Call Past Client Referrals Set Up Office File Research Information Complete Disclosure Answer Questions Prospect for New Clients Write Monthly Newsletter Answer Telephones Mail Thank You Cards Resolve Problems Send Contracts to all Parties Developing Marketing Plans Perform Inspections Coordinate Closings Answer Buyer Questions Answer Realtor Questions These are all the things a single Agent has to focus on. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 5

“Only” Orly’s Team of Experts We focus on you, the client! Team Leader Listing Specialist Marketing Manager Concierge Services OUR CLIENT Buyer Specialist Client Care Manager Administrative Support Staff Internet Marketing Specialist Together we will accomplish your goals! Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 6

NOREEN SHERRY Director of Operations and Client Care Coordinator. Noreen Sherry Client Care Coordinator I will listen to your needs and stay on top of your real estate process. I am always just a phone call away! Noreen Sherry Noreen will coordinate all the paperwork for your listing and enter it into both the Garden State and New Jersey Multiple Listing Services. She assists with writing the advertising copy and will oversee the advertising relating to your property. She is responsible for contacting other realtors who have shown your home to gather any "feedback" they may have and for relaying this information back to you. Noreen and Orly will be your primary contacts at the office from the day you list with us until the day of your closing. When your property goes “Under Contract”, Noreen will be the one who follows up on all the transaction details. She will speak with the selling agent, the attorneys and the lender as needed to make sure your road to the closing table is a smooth one. She is very experienced in dealing with the many issues that can arise in a transaction, and is always just a phone call away! If you have any questions call Noreen at (973) 962 -5408 or Email: Noreen@onlyorly. com Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 7

CATHY HARTWICK Marketing & Mailing Coordinator Cathy Hartwick Marketing Coordinator Cathy is our Marketing & Mailing Coordinator, responsible for keeping you informed by mail. I will do my best to market your home. Cathy works closely with Orly, Noreen and Laura. She will order and mail out 400 "Just Listed" postcards to your immediate neighbors. I will keep you informed along the way so you stay in the loop with your home transaction. She will also send out letters periodically at Orly's request and will keep you posted regarding the marketing & advertising activities of your property in the form of a monthly report. Cathy Hartwick Cathy will also keep you informed about items you need to address at certain times. For example, scheduling a smoke detector certification, transferring utilities and contacting movers. You can reach Cathy directly at Cathy@onlyorly. com Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 8

Monica Steinberg Listing Coordinator and Marketing Manager Monica Steinberg Marketing Manager I will create a customized look and design to showcase your home including exciting descriptions and profiles of your home. With our website, your home will receive maximum exposure. Monica is our Marketing Manager. She is responsible for putting the sign and Garden State lockbox on your property. She also sets up our photographer and will be contacting you shortly to arrange a convenient time to photograph your home. Monica will also create the property profile sheets for your property which will be distributed to other agents. She will design a customized brochure featuring pertinent information and photographs of your property to be displayed in your home. Monica is also our Website Manager and will make sure your home receives maximum exposure by posting it on a variety of different websites. You can reach Monica at Monica@onlyorly. com Monica Steinberg Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 9

CAROL CONGER Buyer Specialist Carol Conger Buyer Specialist While many homeowners hire a real estate agent when selling their property, not very many home buyers turn to a buyer's agent when purchasing real estate. A good buyer's agent is a professional with the insight into the market that every buyer needs. 7 Reasons to Work with a Qualified Buyers Agent : 1) Full Access to the MLS 2) Big Time Savings 3) Representation 4) Negotiating Power 5) Experience 6) Industry Contacts 7) Peace of Mind Carol Conger I work with “The Only Orly Team” as a Buyer Consultant. I also have the Accredited Buyer Representative designation (ABR). I see my role not exactly as a sales person, but as more of an advisor, or coach, with an emphasis on educating. Before I actually take a new buyer client out to view homes, I have a consultation with them, to see where they stand financially, emotionally, and practically with regards to a new home purchase. Buyers need to understand the process, which includes their preparedness to buy. Assembling a “dream-team” is essential to a successful transaction. (Lender, Attorney, Buyer Specialist, Home Inspector, etc. ) Once my buyers know that I am their source for any information related to purchasing a new home, and we build a trusting relationship – we can really accomplish the shared goal of finding the right home for them. I will preview properties and share my expertise relating to neighborhoods, types of homes and values ~ as they relate to individual buyer needs, wants and affordability. I will negotiate with the listing broker on behalf of my buyers once the new home is selected. I do remain alongside the buyers throughout the transaction – from attorney review, home inspections, evaluating concerns and keeping all parties attentive to the contractual time line. And very importantly, I am there to help the “new neighbor” settle in with recommendations from contactors to restaurants! Right from the beginning – educate, guide, support! Direct: (973) 962 -5415 Email: Carol@Only. Orly. com Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 10

Why Sellers Choose Us SELLER SERVICES GUARANTEE This Seller Services Guarantee is my commitment to offer the services stated below as part of your representation agreement. 1. AGENCY ALTERNATIVES - I will review the agency alternatives "Only" Orly's Seller Services Guarantee I have a HUGE inventory of buyers looking for their perfect home. Maybe it's YOUR home, and every day, more and more buyers are adding their names to my expanded Database of website visitors, Open House visitors and potential clients. So tell me about the home you want to sell- If I feel my buyers might be interested. . . I'll tell and email everyone! Remember--List with me and I'll sell your home quickly--and for more money! and representations that are available to you and to potential buyers - Seller Agency. Buyer Agency, Disclosed Dual Agency or Other Appropriate Legal Relationship. The representation of your interests, and my role as your agent for the different agency relationships, will be presented to you for your consideration. 2. MARKETING ACTION PLAN - I will present to you a custom Marketing Action Plan - a formal written plan for marketing your property. 3. COMPETITIVE MARKET ANALYSIS - I will provide you with a current Competitive Market Analysis, and will assist you in determining the most effective list price for your property. 4. FINANCING ALTERNATIVES - I will show you various financing alternatives for buyers of your property, and discuss the likely impact of each alternative on your sale. 5. ESTIMATED PROCEEDS - I will furnish you with an estimate of the proceeds you can expect from the sale of your property. 6. HOME ENHANCEMENT - I will develop a plan to enhance your property's ability to attract buyers, as described in the Coldwell Banker Home Enhancement Guide. 7. COLDWELL BANKER ACTION TEAM - I will present your property to the Coldwell Banker sales team. I will share with you the team's review and recommendations to help you realize the best price obtainable for your property. 8. MULTIPLE LISTING SERVICE - I will prepare a plan for your property to appear in two Multiple Listing Services – NJMLS, as well as GSMLS. The information will be submitted by the date we have selected, for the property's debut on the market to achieve maximum impact. 9. PROPERTY INFORMATION - I will make information on your property available to buyer prospects. Additional copies will be available at your property for sales associates and prospective buyers. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 11

Personal Service Handling the Detail Work Such as coordinating physical, septic and termite inspections and appraisals. Following up on deposit monies and mortgage commitments. Staying in Touch With You So that you know what is going on and where we are in the process. Financing Proposals Qualifications of the buyers, type of financing available, pros and cons of various financing options. Market Preparation Guide A report designed to help the homeowner maximize the marketing efforts by improving the condition of the home, “setting the stage” before showings. Guarantee, cont. 10. DIRECT MARKETING - I will distribute promotional materials on your property to key market areas to attract potential buyers. 11. COLDWELL BANKER SIGN - I will place a Coldwell Banker For Sale sign on your property, to help generate calls to our office from prospective buyers. 12. ADVERTISING - I will review with you our advertising program – designed to generate buyer prospects for your property. 13. SELLER DISCLOSURE - I will present your written disclosure regarding the condition of your property to buyer prospects to assist them in preparing an offer. You will keep me informed of any changes in the property and keep the information current on the disclosure form. 14. HOME WARRANTY - I will provide you with information regarding a warranty on the operating systems of your house, to increase the marketability of your property and help reduce your liability to the buyer. 15. MARKETING ACTIVITY REPORT - I will review with you the marketing activity on your home, and make changes and suggestions accordingly. 16. HOMEFINDING PROCESS - I will review with you the Best Buyers® Guidebook to acquaint you with the home-finding process that buyers are most likely to follow, including financial qualification, property selection, financing options and closing procedures. 17. QUALIFYING BUYERS - I will seek financial qualifying information on all buyers submitting a purchase offer. Our goal will be to pre-quality or pre-approve the buyer through a reputable lender. 18. PURCHASE OFFERS - I will review all purchase offers as they are presented, and I will negotiate on your behalf to reach a purchase agreement with terms that are favorable and protective for you. 19. CLOSING THE SALE - I will monitor and inform you of the progress of the transaction, including the satisfaction of all contingencies and conditions during the entire transaction. 20. AFTER-SALE SERVICE - I will contact you after the closing to follow up on any remaining details or service needs. 21. VIP PROGRAM - You will be placed on our VIP Program providing you with Platinum Plus Services as well as “goodies” throughout the year. 21. RELOCATION ASSISTANCE - I will provide you with details about our relocation and referral services, which are available to you at no cost, regardless of where you are moving. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 12

Myth vs. Reality Our Team sells a lot of real estate – over 80 properties a year, compared to the average agent who only sells about 6. . Myth #1 Perhaps she is too busy to pay attention to my listing. Reality: Just as superior restaurants are busy at dinner time and superior doctors have long patient lists, Orly’s success in marketing homes provides us with many more homes to sell. Like good restaurants and doctors, Orly has set up a top-flight team to assist with the routine details to free her up so she can devote the time and attention required to sell your property successfully. Orly built her business one satisfied customer at a time. Our goal is for you to be yet another satisfied customer, who spreads the word about our excellent service! Myth #2 You should select the REALTOR who says they can get you the highest price. Reality: Anybody can tell you anything, but is it based on facts? Select your REALTOR based on their track record, knowledge, and marketing. The market will select the price in the end!! The Only Orly Team PRO-ACTIVE MARKETING PLAN We Market 24 / 7 We market your home 24 hours a day, 7 days a week. What the consumer wants today is information quickly, easily, honestly, and without any hassles. Our successful marketing plan hinges precisely on this concept. This is achieved through an assortment of means - MLS, internet, stealth marketing, print advertising, email, syndicated advertising, etc. We “out market” all of the other homes competing for your buyer!! We work well with other REALTORS and make it easy for them to work with us. That's why they like to show our listings. They know that our listings will be presented well and all the information they need to sell the home to their client will be readily available to them. Our marketing pieces are designed to make the buyer remember your property. We sincerely care about what's in your best interest, and we know that when we take great care of you, you'll be confident referring us to family, colleagues, and friends. Unlike many agents, we always give complete details on a house to prospective buyers who call or visit our office or open house. That includes price, address, bedrooms, baths, taxes or whatever else the prospect might want to know. Another Benefit of a Team The problem with a single agent is that you or the public must wait for the agent to be available to answer your calls or inquiries on your home. With a team there is always someone ready to answer questions, respond to internet inquiries, and show your property! Virtually No Waiting! Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 13

Social Marketing YOUR LISTING MARKETING PLAN The Only Orly Team is proud of our proactive and aggressive marketing. Below is our advertising policy. Marketing today has become very splintered. The traditional print ads don't bring the same results as in the past. You now see more internet based marketing, which is quickly spreading to social media sites. Over 85% of buyers start their home search on the internet. We strive to drive clients to our sites with timely information such as blogging with market updates. We are also experimenting on popular websites such as You. Tube, Facebook, and Craigs. List by placing houses to see if we can create interest. If you are a Facebook subscriber, this would be a good time to talk about your house on line. ʻFriendʼ me, then if I post your house, you can comment on it!! 1. 400 full color postcards will be sent by USPS mail to your neighbors for maximum exposure. 2. Rotation in my e-mail newsletter 3. Some advertising in the Suburban Trends, Bergen Record and Homes & Estates Magazine. 4. Placed on MLS Hot Sheet as a new listing 5. MLS display with photos, virtual tour, and disclosures 6. Virtual Tours created and Syndicated 7. Mentions in our Social Marketing Websites a. www. Only. Orly. com (Search Engine Optimized) b. Yahoo real estate section c. www. Visual. Tour. com d. www. Realtor. com with additional enhancements to bring your listing to the top. e. www. Coldwell. Banker. com 8. Syndicated Listings Sites: We will syndicate your listing to hundreds of other websites where consumers shop online. Here are just a few: Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 14

The Only Orly Team of Experts Visi. Stat is a suite of powerful, easy-to-use Website tracking tools that provide specific information that helps measure and improve the effectiveness of my Website’s performance. This tool provides very specific information about the website visitors. For example: What terms are visitors searching for to find my website. Where are the visitors coming from (Google, MSN, Yahoo, etc. ) and more. This information helps us determine what systems are working and how we can better market your property. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 15

The Role of a Real Estate Agent in Pricing v v I don't tell you what I think your home is "worth”. v The market determines value. v Together we determine the price. v Finding your dream home or finding a buyer is only part of the challenge of a successful transaction. There are many details that need to be managed through closing, and “Only” Orly and her Team bring the depth and breadth of skills and experience required to ensure your transaction goes smoothly. Our commitment is to provide you the quality of service and communication you desire and deserve. There is no "exact price" for real estate. I will show you a range of prices being paid for homes in your area. Other Qualifications Our Team Has That Provide Additional Areas of Expertise Allen Hainge Cyber. Star (Only 200 in the United States) Star Power Star (Only 121 in the United States) Certified Residential Specialist (40, 000 of 2, 000) Certified Distressed Property Expert (25, 000 of 2, 000 in US) SRES- Senior Real Estate Specialist 2 ABR’s- Accredited Buyer Representatives No, we didn't "need" to take these designations, but it shows we went the extra mile with education to stay on top of the real estate sales process. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 16

PRICING GUIDELINES How Can You Make Your Property A “ 10”? v By Improving What is Your Property Worth? The Condition v v What you paid for your home doesn't affect its value! v The amount of cash you need to buy your new home doesn’t affect its value! v What you want for your home doesn’t affect its value! v What another real estate agent says your home is worth doesn’t affect its value! v What an appraiser says your home is worth doesn’t affect its value! By Offering Good Terms v By Improving The Way The Home Shows v By Adjusting The Price As A Seller You Control: v The Price You Ask v The Condition Of The Property v The value of your home is determined by what a BUYER is willing to pay in TODAY’S MARKET based on COMPARING your home to others currently on the market for sale. Access To The Property As A Seller You Do Not Control: v Market Buyers always determine value! Conditions v The Motivation Of Your Competition v Value Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 17

Your Home As Seen By…. Yourself… Your Buyer… Your Lender… Your Appraiser… Your Tax Assessor! Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 18

Who Controls the Price? * There is no “EXACT PRICE” for real estate - it is subjective * We don’t tell you what we think your home is “worth” * The market determines value - together we determine asking price * You determine the price based on factors YOU CONTROL: Market Time Financing Alternative Provided Condition of Property Exposure Methods Factors That Don’t Affect The Price 1. What you paid for the house 2. Your need for money 3. Your Personal attachment 4. What another agent said it’s worth 5. Items considered maintenance rather than upgrades Over Pricing 1. Makes Your neighbor's House sell 2. Agents will not choose to show it 3. Buyers stay away too 4. You lose a strong negotiating position 5. House become stale on the market 6. may not appraise (BIG issue!) 3 People You have to Convince 1. The Realtors who have the clients 2. Buyer who makes the offer 3. The Appraiser who works for the lender who wants to protect their investment PRICING YOUR HOME TO SELL The Real Value of Your Home is Based on Facts: 1. It doesn’t matter how much another agent thinks your home is worth 2. It doesn’t matter what Orly Steinberg thinks it’s worth 3. Comparable SALES determine the value of your home 4. UPGRADES to your home increase the value - granite counters, wood floors, etc. If everyone in your area has these same items, then its not an upgrade. 5. Maintenance items do not add value - your home is supposed to have a good roof, air and heat that are in GOOD working order. Replacing these items makes your home sell faster and will get you a higher value than your competition who have not taken care of their property! Key to Pricing: Is Your Home Priced Right? 1. If your home is priced within 2% of what it should sell for, you should have an offer within 30 -45 days. 2. If you have 10 -15 showings, and no offers, your price is off about 4 -6%. 3. If you have a low number of showings but lots of driveups or flyers taken, your price is off about 6 -12%. 4. If no showings are happening at all, then your house is likely priced 12% or MORE above what the market will bear for your house. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 19

Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 20

Setting Your Home’s Value WHAT YOUR HOME IS/IS NOT WORTH The Market Value Of Your Home Is NOT: 1. What you have in it 2. What you need out of it 3. What you want 4. What it appraised for 5. What you heard your neighbor’s house sold for 6. What the tax office says its worth 7. How much it is insured for 8. Based on memories and treasures Because Seller’s have an emotional involvement with their homes, we tend to believe our property is worth more than the market will realistically accommodate. It’s important to have a professional involved to help you price your home right the first time. 9. Based on prices of homes where you are moving The True Market Value Of Your Home Is What A Buyer Is Willing To Pay: 1. Based on today’s market 2. Based on today’s competition 3. Based on Today’s financing 4. Based on today’s economic condition 5. Based on the buyer’s perception of the condition 6. Based on location 7. Based on normal marketing time 8. Based on showing accessibility Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 21

More Thoughts on Pricing WHY PAY A COMMISSION? Homeowners who attempt to sell their homes without the assistance of a real estate professional generally do so for one and only on reason - to avoid paying a commission. Buyers who buy for sale by owner generally do so for one reason, they want to save money. They assume since the seller isn’t using a Realtor, the price of the house will be “X”% less and they will get a better deal. Why more thoughts? Pricing is the biggest issue in making your home sell. Because of your personal attachment it is sometimes difficult to see it as the buyer does. Comments Frequently Heard From Sellers: “I have an appraisal from when I refinanced that is more than you are suggesting. ” The lender is concerned about your ability to repay this loan - which you have already demonstrated. The appraisal may be high or low - it just has to fit the lender’s requirements for your refinancing. I even had an appraiser ask me what my ‘number’ needed to be! “People always offer less than the asking price. ” “My neighbor was able to get his price. ” “My house is better than the rest. ” We paid more than that for our home. ” “We just painted and added carpet. ” “I need this much money for our next house. ” “The buyers can always make an offer. ” Both the Seller and the Buyer are trying to save the commission for themselves!!!! Is this really true and is it worth it? Only the homeowner can answer that. Over 90% of For Sale By Owners eventually list with a Realtor®. I don’t get paid until your house closes. Until then, these are some of the things we bring to the table: 1. Advertising 2. Prospecting 3. Yard signs 4. Experience 5. Information 6. Showings/scheduling showings 7. Feedback 8. Networking 9. Financial pre-qualification 10. Technical support 11. Keep your best interests in mind!!! 12. Details, details, DETAILS 13. Time 14. Information - knowing whom to call! 15. Code of Ethics 16. Showing houses 17. Follow up with lenders 18. Fight for your price with appraisers 19. Problem solving 20. Do whatever it takes to get your home closed If you were having brain surgery, would you want a doctor who charges less, does fewer surgeries a year, and doesn’t go the extra mile to stay on top of his/her field, or one who is at the top of their field with the results to prove it ? ? Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 22

“ONLY” ORLY’S RELOCATION SERVICES Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood NJ 07456 973 -962 -5410 Fax: 973 -962 -9697 Send An Email www. Only. Orly. com Orly and her Team of Experts understand the stress in moving and relocating. They are experienced professionals who have helped hundreds of clients relocate. This no cost, value-added, service-delivery program offered to buyers and sellers is based on the same concept that upscale hotels have provided for years! This no cost, valueadded, service-delivery • Concierge Services program offered to • Moving recommendations buyers and sellers is • Title Services based on the same • Utility and change of address assistance concept that upscale • Home Buying Checklist hotels have provided • Useful Websites for years! • Helpful Local Contractors • Attorney recommendations • School and Neighborhood Information Offering the highest level of customer service and an impressive market share, our award winning department provides: Nationwide resource assistance with establishing buying or selling connections in another city, state, or country. 23

ENDORSEMENTS Our clients are the most important part of our business. Our job is to make real estate easy. Read a few of the notes we have received over the past several years. "It was the best of times. . . it was the worst of times“ Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Drive Ringwood NJ 07456 973 -962 -5410 Fax: 973 -962 -9697 Send An Email www. Only. Orly. com Dickens “. It was the worst of times. . to put our home on the market in the worst housing slump in decades! It was the best of times. . . to engage the services of Only Orly and her wonderful staff to represent us in selling our home! Thank You, Thank Orly. . . what can we say other than You, Thank You. ” Glenn and Marilyn . . . Prior to Orly. . . "Our home was listed for 3 months and had one showing. Thank God that contract finally ended. Shortly after, I was in the Supermarket in Ringwood and overheard 2 women commenting how pleased they were with Orly Steinberg and Coldwell Banker. We then found out that Alan's friend also had his home listed with Orly and was satisfied with the agency. The next day we called Coldwell Banker and asked for Orly Steinberg. She set up an appointment to meet us on a Saturday morning. The minute she walked into our home I knew this was the person we wanted to sell our house. She was warm, honest and extremely professional. Her experience and knowledge is far beyond other realtors we have met in the past. We had another appointment later that afternoon with another realtor which we cancelled and immediately signed the contract with Orly. Well with Orly and her Team, it was one of the most pleasant experiences we have encountered. Their professionalism, knowledge, and guidance helps you feel extremely comfortable every step of the way. " Alan and Jane We chose you because we had always heard positive things about you. After meeting with you and receiving your analysis we agreed that we liked the way you did business and more importantly we both felt a feeling of "Trust" for you. That feeling of trust we had never waivered throughout what turned out to be a significant period of time with several setbacks. (No setback was ever due to you or your team). The sale of the house concluded satisfactorily and we would like to thank you for your help and guidance. It would be our pleasure to recommend you to anyone with real estate requirements in the Ringwood area. Dot & Joe 24

ENDORSEMENTS You can learn a lot about a person by how others describe them. We are happy to share these thoughts with you! Before we started to do our house hunting in Ringwood, Elena and I did some research. From the very beginning it was clear that you would be the realtor for us, and that you would have the house we were looking for. It was quickly evident that you had the experience we needed, and the track record we were looking for. We weren't living in the immediate neighborhood while we were home hunting, and because of the consistent quality of your listings, we became regular visitors Of your web-page (Only. Orly. com). Not only do you have excellent web resources, you have excellent human resources. Combine your experience with the quality of your team, and you have a combination that cannot be beat. Everyone was a complete and total pleasure to work with - conscientious, professional, and knowledgeable at every turn. I feel confident in saying you have all the tools a homebuyer needs for success in Ringwood. Please be sure that should you ever need a reference you can count on us, and likewise, should we ever know someone looking for a house in Ringwood, we will send them to see you. You were more than an agent; you were our advisor, our advocate, and now you're our neighbor. Elena and Bill We'd like to take this opportunity to acknowledge your professionalism and support during the various stages involved with the purchase of our new home. Should family members and friends inquire about the area, we'll point them in your direction. Feel free to use us as a reference as well. The Candeletti's have settled in Wanaque and we are very happy to be home. When you find yourself in our neck of the woods, remember that you have friends - and fans - at our home and that the welcome mat has been rolled out. The Candeletti's We would like to personally thank you for your devotion and hard work that have provided us in the purchase of our new and beautiful home. You devoted so much time and effort in the whole process as we did to make the most important decision in our life. With your guidance, we were able to find our dream home and start a new life in the perfect town. We hope to see you around town and I'll be sure to send anyone looking for a home to you. You made the exhausting process of finding a home much more comforting. Thanks again. Remzi and Peggy 25

ENDORSEMENTS It is not enough to do your best; you must know what to do, and then do your best. -W. Edwards Deming I found you and your staff very professional, helpful and polite. Your advice was always sound. There was always someone available to answer my questions. You and your staff made my selling experience much less stressful than I had expected it to be. The house was well advertised and your sales people brought many prospective buyers. We would like to thank you and your staff for a job well done! Maryann We just wanted to take a minute to let you know how much we appreciate you and your exceptional office staff and our handling of the listing and sale of our Ringwood home. From beginning to end, you and your staff were professional and went “above and beyond the call of duty” to assure that our home was sold and to keep us informed of the progress. From marketing, showing and many Open Houses, you were able to assure us a maximum exposure and we are sure that is what led to our successful sale. It was difficult for us, as you know, because we moved out of state and had to leave the house vacant. You were reassuring throughout that time and handled all the details including checking the house and being there to be sure all the work that had to be done was accomplished. Just a simple letter is not nearly enough to express the depth of our appreciation. Please feel free to use us as a reference and we will be happy to let prospective buyers and sellers know that as far as Ringwood is concerned, there is only one Real Estate Broker/Agent …Only Orly! Gordon and Kate Monica We recently purchased our first home from Orly and truly experienced the epitome of professionalism. good taste. friendliness and honesty. We met Orly through the internet as we had found a home that seemed to suit our needs and our price range. Though that pal 1 icular home was no longer available, we arranged a meeting after our vacation, and Orly took over from there. We outlined for Orly what we were looking for in a home, then the reality of what we could afford! She took our dreams. compared them to her inventory and found 5 homes that might work. In one afternoon we saw all 5 and put a deposit on the 5 th! It was (and is) our little corner of the world. Orly took nothing for granted, she never pushed or persuaded. she truly acted as the mediator between a dream and a reality. We could not have asked for an easier. more seamless transaction. We did not have to compromise any of our wishes, she found us exactly what we wanted. what we could afford and what could make us happy. We recommend her to anyone looking for a home as an honest, welcoming and sincere business partner. Yvette and Kyle 26

STAGING YOUR HOME FOR SALES SUCCESS You only get one chance to make a first impression. It’s important to WOW potential buyers right off the bat. To do this you need to look at your home as an outside. Don’t be afraid to ask for our opinion before our first Open House or Showing. BEFORE AFTER Little things make a difference. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 27

FIRST IMPRESSIONS ARE IMPORTANT! Remember, when a. prospect comes to look at your house, the first thing he will see is your front door! Be sure that it is fresh and clean. Be sure your front lawn and landscaping is well manicured and trimmed, andyour yard is free of refuse and leaves. If it’s winter and it has snowed, be certain that you’ve removed ice and snow from walks and all steps. WHAT YOU SHOW IS WHAT YOU GET! Faded walls and worn woodwork will reduce the appeal of your home. Why try to tell a prospect how your home could look, when you can show them? Investing a reasonable amount into upgrades or redecoration will result in a quicker sale and a higher price. Invest in a neutral paint touchup for the kitchen, bathroom and living rooms - it will pay Yourself… Your Lender… dividends for you. Also, paint over any outdated or vibrant colors so the buyer can see the potential with their own touches. LET THE SUN SHINE IN! Open those drapes and curtains all the way, so the prospect can see how bright and cheerful your home is. FIX THAT LEAKY FAUCET! Dripping water discolors sinks and suggests faulty or worn-out plumbing. Are your sink/tub or lighting fixtures outdated? Invest in some inexpensive upgrades to give the Your Buyer… Your Tax room a more modern look. LITTLE THINGS MEAN A LOT! Appraiser… Assessor! Take a few minutes to check to be sure that your doors don't stick or have loose knobs on them. Don't forget your windows and cabinet drawers. Get all those minor flaws fixed since they distract from your home's value and are seen as “Just One More Thing The Buyer Has to Do!” SAFETY FIRST AND ALWAYS! Keep stairways clear and clean since this will avoid injuries around your home, as well as avoid distractions. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 28

FROM TOP TO BOTTOM Display your attic, basement and other utility space (including crawl spaces) by removing all unnecessary articles. A fresh coat of white paint can do wonders if your basement is dark and dreary. BIG CLOSETS! Make them look bigger by having them neat and organized to show that your home has ample closet space. Now is a good time to clean them out and donate outdated clothing to charity or to box up seasonal clothing to put into storage. BATHROOMS SELL HOMES! Yourself… Your Lender… Make these rooms sparkle! Check and repair any damaged or discolored caulking in the bathtubs and showers. Be sure that towels and area rugs match and are nice. BEDROOMS SHOULDN’T SLEEP! Keep those rooms bright and cheerful. Remove any excess furniture and rearrange the room to maximize space. Be sure to use attractive and colorful bedspreads and curtains and remove clutter from dressers and bureaus. SHINE ON! Your Buyer… Your Tax Your home’s illumination can be a welcome sign to that prospective buyer. Turn on all lights ( indoor and outdoor )when. Appraiser… especially Assessor! will showing your home, at night and they feel a glowing warmth. MUSIC SOOTHES THE SAVAGE BEAST! …but not the potential buyer. When showing your house, turn off radios and televisions. Buyers won’t be distracted and the showing agent will be easily heard. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 29

CURB YOUR PETS!!! A dog is “man’s best friend” but not when showing your home. Keep all pets out of the way and not underfoot. Pets and pet odor can be a major turn-off for buyers. TWO’S A COUPLE – THREE’S A CROWD! Don’t have too many people present during a home inspection (absence is best); it makes the buyers feel uncomfortable and unwelcome. SILENCE IS GOLDEN Be courteous and friendly, but don’t try to “force” conversations with a potential buyer. He’s Yourself… Your Lender… there to inspect your home. BE IT EVER SO HUMBLE …. there’s no place like home. Never apologize for the appearance of your home. If any objections or derogatory comments are offered, let the experienced agent answer them – that’s their job. STAY IN THE BACKGROUND The agent knows the buyer’s needs and desires and can better emphasize the virtues of your home when you are not “tagging” along. If the buyer has questions, the agent will contact Your Buyer… Your Tax you. Appraiser… Assessor! DON’T PUT THE CART BEFORE THE HORSE. Trying to sell the prospective buyer your furniture or furnishings that you are not taking with you before they’ve purchased the home can often lose the sale – so “cool it”. A WORD TO THE WISE Let your agent discuss the selling price, terms, possession and other factors with the prospective buyer. They are trained and experienced in the art of negotiation and will come to a satisfactory conclusion for you. Orly Steinberg Coldwell Banker Residential Brokerage 130 Skyline Dr. Ringwood, NJ 07456 Ph: 973 -962 -5410 www. Only. Orly. com 30