FRED AND SANDY DEWALL

Fred Dewall has been a highly reputable top producer in the Forest Lake and surrounding area since 1984. Sandy has been an executive sales associate for 20 years. Fred and Sandy married in the spring of 1996 and Sandy joined forces with Fred to work as a team. In 2007 they decided to join the Keller Williams Family of Realtors. They together have three children: Dane who is 20, Dylan who is 10, and Brooke who is 10.

Over the years, Fred and Sandy have made it a priority to find a balance between work and family, since both distinguish one’s success.

Fred and Sandy are both members of the St. Paul Area Association of Realtors, where Fred has served on the ethics committee. They are active in the community, supporting local charitable organizations and youth sports.

Fred and Sandy have also taken many courses above and beyond the general requirements of sales associates, including:

• GRI- Graduate of Realtor Institute

• CDPE Specialist• ORDMS Specialist • CRS– Certified

Residential Specialist • Mike Ferry Action

Workshops– for listing and selling properties.

• Craig Proctor Selling Systems.

Fred, Sandy, and the rest of the Dewall Team have over 100 years experience in real estate, which includes:

1. Residential Home Sales2. New Home Sales3. Short Sales/Bank Owned 4. Real Estate Investments5. Commercial Property6. Land Development

THE AWARD WINNING TEAM THAT PROVIDES TOP-NOTCH SERVICE

With now over 90% of consumers starting their home searching online, being tech-savvy is no longer an option… it is a must. My clients experience the benefits of my 14 years of Licensed Real Estate experience and trust that integrity and honesty will always be delivered.

In 2000 I was awarded “most improved agent” and I am a certified 1031 Exchange, as well as a short sale and foreclosure, resource rated agent. Put your trust in me now and you will be sending your friends and family back later. I look forward to working with you. A list of past client surveys are available anytime.

Michael Serbus has expertise in real estate development, property management, and REO property preservation. He is an award winning developer who was the 1st to use the Green Corridor Project in Chisago County, which preserves rural lands in exchange for increased lot density.

As the property manager for Dewall Team Real Estate, he is responsible for all aspects of property management and preservation. An important aspect of these responsibilities is operating the various internet –based tracking and billing systems used by the REO banks when selling foreclosures. Michael is devoted to Jesus Christ, to his wife Jane and five children , Lauren, Annalisa, Michael, Nicolette, and Grace.

Kevin Marois Mike Serbus

With over 30 years in one type of sales or another, and the better part of a decade in real estate, one concept stands above all others. My job is delivering what you need to fulfill your goals and dreams. In other words, “It’s all about you”.

I believe that honesty and integrity are not old-fashioned concepts from a bygone era. They are more important now than ever. I’m wise enough to know that no one should ever promise more than they can deliver, but I can absolutely guarantee you one thing. You will get my very best. Charlie has the designations Certified Short Sale Agent (CSSA) and Certified Distressed Property Agent

Sonja is in her first year in the real estate field but certainly not new to the area. After 20 years working in a locally owned business she has extensive customer service experience. This in turn has produced many repeat and referral customers.

She is excited to be a part of Dewall Team Real Estate and looks forward to earning your business. Making every step of the home buying and selling process enjoyable, rather than stressful is just one of her many goals as your Realtor.

Charlie Walberg Sonja Ellingson

Shawn has worked in the real estate field since 1987, and has extensive customer service, office and executive level support experience. She also retained her real estate license in 1992.

Her job is to assist Dewall Team Real Estate and their clients in all areas of the home buying and selling process including advertising, property searches for home buyers, communication, and coordinating all listing, sale and closing activities. Shawn is available to answer questions and assist you to ensure a smooth closing with the least amount of stress to you.

Shawn Marois

I am a recent college graduate who is very ambitious and very dedicated to her work. I have roughly four years of Real Estate experience working with Keller Williams, and Re/Max, and enjoy that I never have the same day twice.

Being part of such an interesting and unpredictable industry, I have been blessed with the opportunity to utilize my skills and talents when supporting the agents and their clients. Since joining Dewall Team Real Estate, I now realize what Mo Anderson meant by having Keller Williams be a "family". Never let your dreams remain dreams, and if we can help you find your dream house, please know we will put forth our best effort in doing so.

Mariza Bourbeau

Highest Overall Satisfaction for Home Buyers Among National Full Service Real Estate Firms.

Claim Awarded To: Keller Williams Realty, Inc.

Disclaimer: Keller Williams Realty received the highest numerical score among full service real estate firms for home buyers in the proprietary J.D. Power and Associates 2010 Home Buyer/Seller Studies'. Study based on 3,096 total evaluations measuring 7 firms and measures opinions of individuals who bought a home between March 2009 and April 2010. Proprietary study results are based on experiences and perceptions of consumers surveyed March-May 2010.

Your experiences may vary. Visit jdpower.com

J. D. POWER & ASSOCIATES

J. D. Power & Associates 2010

Home Buyer/Seller Study SM

ACTIONS SPEAK LOUDER THAN WORDS

One Of The Top Selling Teams in the Area For Several Years Running!

80 SALES IN 201074 SALES IN 2009109 SALES IN 200853 SALES IN 200776 SALES IN 2006102 SALES IN 2005114 SALES IN 2004105 SALES IN 2003

145+ SALES IN 2002

Various Achievement Awards

UP TO DATE TECHNOLOGY EQUALS SMOOTHER TRANSACTIONS AND BETTER COMMUNICATION FOR OUR CLIENTS

If you are like most sellers then you want to be informed at every stage when your home is on the market. You want an extremely positive experience during the home selling process.

With our systems you will get immediate direct feedback from prospective buyers allowing us to correct any misconceptions about your home before they impact negatively on the sale!

• View your marketing activities ONLINE 24/7 by logging into your own account on our website!

• Showing feedback will be delivered to your email inbox right after our showings and upon receipt from all showing agents from other brokers.

• Full time licensed office assistant available to answer your questions during regular business hours if you are unable to reach us directly.

You will be able to monitor how many showings I am setting up, advertisements that were made and see how hard I am working for you. You will never feel like your are out of the loop.

A SELLER’S GUIDE TO INTERVIEWING A REAL ESTATE AGENT TO SELL THEIR PROPERTY

There are approximately 1650 real estate agents in the East Central Minnesota area. Choosing the right realtor for your home can be confusing. It is especially difficult when you speak with several different Realtors,

and they all seem so convincing.There is a way to determine who is the most likely to succeed in getting your price and terms.

The key is knowing the right questions to ask.The following list will provide you with questions to ask your prospective Realtor. This list will not only help

you select the right Realtor for you, but also help you get the most from the one you choose. . .

1. How long have you been in the business? 2. Do you work as a full time Realtor?3. How many listings do you have at this time? (More is better).4. Do you have a full time personal assistant to see that details are not overlooked?5. Where do you find buyers for my home?6. How many potential buyers and seller do you talk to every day? Week? Year?7. Do you utilize a weekly marketing update system on your computer?8. Are you a broker?9. How many properties have you sold? (Experience is crucial for the closing procedure).10. Are you associated with a national referral network that refers their buyers to you, and so

that you can refer me to the top agent in the town or state to which I may be moving? 11. How many referral companies do you work with outside of any franchise relations?12. How much do you personally spend each month on advertising? Yearly?13. What is my property worth? What listing price do you recommend? How did you arrive at that price?14. How will you assist me in my relocation plans?15. How do you find time to market, list, sell, close and provide instant customer contact?

Market Through MLS: MLS doesn’t only expose your property to other Realtors, it makes it available to find.Send information to sales people who have competing properties.Identify target groups of buyers/neighborhoods and deliver information.

Place A Sign on the Property:Notifies neighbors that the home is available.Creates visibility for prospective buyers who are driving through the area.Colors create most visible sign in the market.Reflective material makes sign VISIBLE AT NIGHT!Dewall Real Estate Team name shows stability, quality and positive image.

Place a Lockbox on the Property:Creates convenience-allowing showings to take place at any time.Provides security as the combination is only given to verified licensees at time of showing

Create a Feature Sheet:Deliver to people listed above.Deliver to additional target groups of buyers.Deliver to all local real estate offices/associates.Deliver to all neighbors.

Create a Brochure: Provide to buyers at open houses.Provide to buyers at private showings.Deliver to anyone who inquires on property.

OUR MARKETING STRATEGY

MARKETING STRATEGY CONTINUED

Virtual Tour:Creates even more exposure to prospective buyers as well as real estate agents online who visit our Team website or the MLS.Includes five still shots, and five 360 degree 3-D style live shotsAvailable on CD, downloadable, and available by email to make it possible to view for all potential buyers

Advertising:We advertise in the many newspaper publications including but not limited to:Pioneer Press Homeseller MagazineSt. Croix Valley Peach Paper and Forest Lake TimesSt. Paul Pioneer Press Welcome Magazine

Internet Exposure:Internet advertising exposes your home to virtually anyone in the Nation! Your listing will be featured on our own website at www.TEAMDEWALL.comSpecialized exactly for your home, we use over 11 different forms of internet advertising, which is averaging 40,000 hits per month! Interesting fact: The proportion of buyers who found their home on the Internet has doubled every

two years from 1995 to 2001. (Mainehomeconnection.com)Tour:

Places property in mental inventory of associates with Team Dewall.Allows for additional feedback and recommendations provided to you in writing for your review on price, location, and an overall interior and exterior appearance.

MARKETING STRATEGY CONTINUED

Progress Reports:Provided a minimum of weekly.Updates marketing activity since last report.Provides feedback from realtors and other associates

21-Day Review of Marketing and Price:Adjust as necessary.Appointment date and time

Recommend Improvements To Add to Salability Of Home:What buyers look for.Preventing objections before they occur.

Thoroughly Explain The Selling Process Including:Agency Relationships Purchase Agreement/Addendum’s Locating Your Abstract Title Updating-First Choice Title Financing Alternatives Contacting Your Lender Negotiation Closing Procedures

To get as many Agents and qualified buyers as possible into your home until it is SOLD!!To assist you in getting the highest possible dollar value for your property in the shortest period of time with the least

amount of inconvenience to you.To constantly look for the best possible methods of exposing your property to potential

qualified buyers in the market.TO EARN YOUR REPEAT AND REFERRAL BUSINESS FOREVER.

DEWALL TEAM REAL ESTATE

SAMPLES AND ADVERTISING MATERIALS

Top of Search 24/7!!!

WE ARE ALWAYS AVAILABLE

CRAIGSLIST

MARKETING

We use strategic

methods to place our

properties on Craigslist to obtain the

most response including

placing ads a specific times of the day to ensure the

most viewers.

This free distribution shopping guide is published every Sunday and has a total market coverage area of over 33,250. The Peachserves a region that includes Forest Lake, Hugo, Scandia,

Marine on St. Croix, Chisago City, Lindstrom, Taylors Falls,

Wyoming, Stacy, North Branch, Almelund, Lino Lakes and

western Wisconsin – Osceola, Dresser and St. Croix Falls.

WE DO ALMOST EVERYTHING!

http://hometownsource.com/publications/

Free ReportsVIP Buyer System

Client Log InCurrent Listings

New Home DevelopmentsOpen House Calendar

Community Information

Google Base

Zillow

Facebook

Craigslist

Star Tribune

Trulia.com

Realtor.com

Cybehomes.com

Homescape.com

Edge10

Keller Williams

And More!!

www.TeamDewall .comAddit ional Internet

Marketing

MARKETING: PERSONALIZED FOR YOU

95% of Buyers Begin Their Home Search on the Web.

Team Dewall Offers the Most Extensive list of FREE Valuable Information for Both Home Buyers and Sellers!

WHY YOU SHOULD PRICE YOUR HOME REALISTICALLY

TIMEChances are that your home will sell at its fair market value. Pricing it realistically at the outset simply increases the likelihood of a timely sale with less inconvenience and greater monetary return.

COMPETITIONBuyers educate themselves by viewing many homes. They know what is a fair price. If your home is not competitive in value with those they have seen, it will not sell. Buyers typically look at homes within a $10,000 price range. If your home is not priced within the correct range, it very likely will not be exposed to its potential or targeted buyers.

REPUTATIONOverpricing causes most homes to remain on the market too long. Buyers, aware of a long exposure period, are often hesitant to make an offer because they fear “something is wrong” with the house. Often homes that are on the market for a long time eventually sell for less than fair market value.

INCONVENIENCE If overpricing keeps your home from selling promptly, you can end up owning two homes - the one you have already purchased and the one your are trying to sell. This can prove costly and worrisome, as well as inconvenient.

On The Average:

Buyers inspect at least 12 homes before

deciding.

That means, 11 other homes are in

competition against YOU!

Fred:

“ My house sold in two weeks after being placed on the market. Having my home sell so fast, and with all the paperwork correct, the whole process was easier than buying a car.” - Pam

“Thank you so much for everything; selling our house in Centerville and of course, helping us in the process of building our new home. We couldn’t be happier.” - Kelly and Maria

Kevin:“ Kevin and everyone in the office did a great job of closing the deal. They all made this process for a first time home buyer very easy to understand and were available 100% of the time.” - Ginger

“ We were changing our agents all the time until we found Kevin. He kept us very informed on potential houses.” -Jim and Kim

Charlie:“Recently, Charlie Walberg represented us in the selling of our home. We were so pleased with his level of professionalism. It was an all-around pleasant experience… we would highly recommend him to all friends and family.” - James & Stephanie F.

“Thanks for all of your help finding the perfect house for us. It was very nice of you to work around our busy lives. The only way I could see for improvement would be to help us unpack as we are too busy sitting on the porch watching deer.” - Liz & Joe D.

Fred and Shawn:

“ It is always a pleasure to work with you, everything is done so professionally and on time, I really appreciate all of your hard work..” - Sue and Jille

CLIENT TESTIMONIALS: HERE IS WHAT JUST A FEW OF OUR PAST CLIENTS HAVE TO SAY ABOUT OUR SERVICE

HOW TO DETERMINE THE PRICE OF YOUR HOME

LocationYour home’s location and setting influence its value. A home inside a quiet subdivision sells for more than the identical home on a busy street. Remote areas typically sell for less than closer-in areas. Views, streams, and trees usually enhance value. You obviously have no control over location.

ConditionNew homes enjoy a marketing edge over resale homes because they are shiny and clean. And builders enhance their appeal by offering model homes (clean, bright, decorated in current colors and amenities) for buyer to examine.

Our goal is to make your home as close to a model as possible... being sensitive to costs. You have nearly complete control over condition and you can increase value and decrease marketing time by being sure your property is in the best possible condition.

PricingIf Medtronic’s stock is trading between 80 and 84, there is no reason to insist on selling at 90. Likewise, your home must be priced within the appropriate range. You must actually “sell” your property twice: first to a buyer and then to an appraiser. The buyer is more subjective and compares the amenities of your home to other homes in the same price range. The appraiser is more objective and compares age, size and cost-identifiable features in your home against other properties that have sold.

The three factors to consider in selling your home are location, condition,and price. . .and they are all related.

THE BEST CHANCE FOR SELLING YOUR PROPERTY IS WITHIN THE FIRST SEVEN

WEEKS. STUDIES SHOW THAT THE LONGER A PROPERTY STAYS ON THE

MARKET, THE LESS THE SELLER WILL NET.

It is very important to price your property at a competitive market value at the signing of the

employment agreement. The market is so competitive that even over-pricing by a few

thousand dollars could mean that your house will not sell. Interestingly, your first offer is

usually your best offer. Here are some reasons for pricing your property at the

market value right from the start in order to net you the most amount of money in the

shortest amount of time.

Minimizes OffersLowers Agent ResponseLimits Qualified Buyers

Lowers ShowingsLowers ProspectsLimits Financing

Wastes Advertising DollarsNets Less For Seller

THE FACT OF THE MATTER IS…

PRICE FACT AN OVERPRICED HOME:

HELP SELL BUYERS ON YOUR HOMEYOU WANT THE BUYERS’ TOUR OF YOUR HOME TO BE PLEASANT, EXCITING, AND PRODUCTIVE.

IN ORDER TO SHOW OFF YOUR HOME TO ITS BEST POSSIBLE POTENTIAL, YOU WILL NEED TO FRANKLY ASSESS ITS APPEARANCE AND CONDITION.

Paint is the best improvement investment for getting a greater

return on you money. Paint makes a whole house smell clean

and neat. If your house has chipped paint, exposed wood, or the paint looks faded, it is time to

paint

If your carpet is worn, dirty, outdated, or an unusual color,

you may need to seriously consider replacing it. Many

houses do not sell because of this problem. Do not think

buyers have more money than you have to replace carpet.

They do not. They simply buy elsewhere.

Outdoor activities are important. People enjoy their yards. Make certain that the

trees are trimmed so the house can be seen from the street.

Have the grass mowed, trimmed, and edged. Walkways should be swept. Clean away

debris and remove parked cars. This all adds to curb appeal. If

a buyer does not like the outside, that buyer simply drives

on.

PAINT CARPET LANDSCAPING

• Repair shutters, exterior trim, gutters, and downspouts. Sweep sidewalks and porches.

• Paint your front door and mailbox, if necessary.

• Replace torn screens and cracked windows.

• Replace missing tiles in bathrooms and tile floors.

• Open all draperies and blinds.

• Clean the basement and garage thoroughly. Neatly place things in boxes. If you don’t have enough built-in storage space, then stack boxes in one area.

• Repair or replace any loose knobs, sticking doors and windows, dripping faucets, etc.

• Make closets look bigger by removing clothing and items that you are not currently using; such as out-of-season clothing. Pack these items away for your move.²

• Make sure all lights are working -particularly in basements, garages, closets, and outdoors. Bright light shows off areas better, and is more cheerful and appealing as well.

• Remove items from kitchen and bathroom counters that you don’t use all the time. The counters then appear bigger and cleaner.

• Have clean, neatly folded towels in the bathrooms, dishes put away, beds made, and table surfaces neat.

• Turn off all appliances that make noise, such as the TV, stereo, dishwasher, etc., so that buyers won’t be distracted or annoyed.

• Keep pets and children at a distance and clean up after them.

• Avoid having any people or animals present during showings so that buyers can visualize the home as their own.

THE FOLLOWING IS A CHECKLIST OF POTENTIAL PROBLEMS AND HELPFUL HINTS TO ENHANCE THE APPEARANCE OF YOUR HOME:

When you're buying a home, buy with no major repair worries - choose a house covered by an American Home Shield Warranty. It's your best protection against costly, unexpected repair bills after closing.

This program is designed to protect you against expensive repair or replacement costs when the major working components in your new home break down: water heater...furnace...built-in appliances...electrical wiring...central air conditioning...exposed duct work...interior plumbing system and fixtures. Your protection lasts for a full year from the date of purchase on a previously owned home. ** Limited protection on Condominiums, covering the water heater, interior plumbing fixtures, and built-in appliances is also available.

Homes protected by the AHS American Home Shield Warranty sell 15% faster on average.*** As an added bonus, it also protects sellers the same way. While your home is on the market, the same major components are covered until the day of sale - or a maximum of 180 days.****

So relax. Not only will you have peace of mind regarding unexpected repairs but you also

increase the chances that your home will sell faster at a better value.

Costs, conditions and limitations apply. See contract for complete terms and conditions. Offered and administered by American Home Shield.

ASK ABOUT OUR HOME WARRANTY PROGRAM: PROTECTION FOR YOU AND YOUR HOME NOW AND AFTER CLOSING.

Minnesota law requires that we discuss Agency Relationships with you and also have you sign an Agency Relationships In

Real Estate Transactions disclosure form.

This form IS NOT a contract. It is a disclosure form only. A copy is included on the next page

of this booklet for you to read over.

Please feel free to contact us if you have any questions regarding this disclosure form.

IT’S THE LAWAGENCY RELATIONSHIPS IN REAL ESTATE

TRANSACTIONS

Buying a home without having it professionally inspected is risky business to buyers which is why buyer’s frequently ask to home inspected upon purchase agreement. However, buyers aren’t the only folks who can

benefit from home inspections. Having your home pre-inspected may benefit you.

1. An inspector seconds your opinion that your home is in good condition, which provides you with a good marketing tool to help sell your home more quickly and for the highest possible price.

2. Chances are a good serious prospective buyer would hire his own inspector to evaluate your home. Your report signals to a buyer that you’re serious — that you are so confident in the structural integrity of your home that you have paid to have it inspected.

3. Proactive disclosure, in many cases is met with appreciation on the part of the prospective buyer; and it’s not likely to kill the deal, either. If the problem is unveiled later, however the buyer is likely to think the seller tried to deceive them, even if the seller had no prior knowledge that the problem existed. It may also protect the seller from being responsible for a problem that could have been the buyer’s own doing.

HOME INSPECTIONS NOT JUST FOR BUYERS!!

First, I offer 45% of the commission to the other co-operating real estate brokers in the community as

compensation if one of them secures a buyer for your home. They in turn split the amount with their company. The balance is split between my company

and the agent. The portion that I keep covers my salary and my business expenses to sell your home.

My business expenses or risk capitol include the following:

• Co-op fees to cooperating Brokers.

• Telephone

• Car/Mobile Phone, Fax, Home Business Line, Long Distance, Modem Line, Voice Mail

• Office Postage

• Daily office mail, FedEx, Courier Service

• Dues and Subscriptions

• Printing

• Supplies

• Business Auto Expense

• Education and Training

• Legal and Professional Fees

• Business Equipment

• Advertising

• Artwork Design

• Flyers and Handouts

• Photography

• Direct Mail

• Classified Advertising

• Magazine Advertising

• Institutional Advertising

• Internet Advertising

• Sign Advertising

• Office Administrator

• In House Marketing Team

How Commission is DividedO u r R i s k C a p i t a l : M o n ey t h a t we

p u t t o wo rk fo r yo u eve n b e fo re a b u ye r i s fo u n d !

COMMISSION AND CAPITAL

An extra set of keys

Existing Survey if available.

Copy of existing mortgage papers, loan number and address.

Copy of appraisal performed in the past.

All owners of record present.

Receipts of any major improvements or recent repairs.

Several pictures you may have of your home.

If purchasing another home, either in this area or another your requirements for your next home.

A copy of your existing title or location of abstract.

Your signature for Team Dewall to SELL YOUR HOME, not list it.

ITEMS WE WILL NEED AT THE TIME OF OUR MEETING

At a Price Acceptable To YouOR I WILL BUY IT MYSELF!

Thank You For YourConsideration.

We Look Forward To Assisting You With Your Real Estate Needs!

YOUR HOME SOLD GUARANTEED!!!