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A publication for and about our members October 2014 October 2014 digest digest digest GRI 200 Series is coming to RAMC this month! “Essential Real Estate Techniques”, the second part of the GRI series is being held: GRI 201: It’s All About You! Monday, October 27 th and Wednesday, October 29 th GRI 202: Technology and Investments Thursday, October 30 th and Monday, November 3 rd Cost: $299.00 for the Series or $165.00 per Module SAVE THE DATE!! Our Annual Tradeshow will be held on Thursday, Nov. 6th from 3PM5PM At RAMC—43 SW Monterey Rd., Stuart, FL For Business Partners who would like to participate, please keep an eye out for the booth reservation form to come out soon! What will you gain with a GRI designation? Higher earnings: the median income of GRI designees in 2012 was $61,000, compared to the median income of non-designees of $33,500 Be better able to serve and protect your increasingly sophisticated clients though an understanding of new technology, laws, and procedures Use of GRI logos Marketing materials Customizable flyer Banner ad Postcard GRI referral form Network with other GRI designees To register, contact Florida Realtors® at 1-800-669-4327
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Page 1: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

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October 2014October 2014

digest

digest

digest

GRI 200 Series is coming to RAMC this month!

“Essential Real Estate Techniques”, the second part of the GRI series is being held:

GRI 201: It’s All About You! Monday, October 27th and Wednesday, October 29th

GRI 202: Technology and Investments Thursday, October 30th and Monday, November 3rd

Cost: $299.00 for the Series or $165.00 per Module

SAVE THE DATE!!

Our Annual Tradeshow will be held on

Thursday, Nov. 6th from 3PM‐5PM

At RAMC—43 SW Monterey Rd., Stuart, FL

For Business Partners who would like to participate,

please keep an eye out for the booth reservation form

to come out soon!

What will you gain with a GRI designation? Higher earnings: the median income of GRI designees in 2012 was $61,000, compared to the median income of non-designees of $33,500 Be better able to serve and protect your increasingly sophisticated clients though an understanding of new technology, laws, and procedures Use of GRI logos Marketing materials

Customizable flyer Banner ad Postcard

GRI referral form Network with other GRI designees

To register, contact Florida Realtors® at 1-800-669-4327

Page 2: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

REALTOR®ASSOCIATIONOFMARTINCOUNTY43SWMontereyRoadStuart,Florida34994

Phone(772)283‐1748Fax(772)288‐0215

[email protected]

OFFICERSPresident

DENNISFADDEN,CRS,GRI,SRES,[email protected]

President‐ElectBILLDEAN

[email protected]

VicePresidentRICKBOSCHEN

[email protected]

Secretary‐TreasurerJOANROGERS

[email protected]

DIRECTORSJENNIFERATKISSON‐LOVETT,CRS,GRI

[email protected]

DANBRADY,CCIM,[email protected]

DIANABRUTON,AHWD,CRB,LTG,[email protected]

ANNBUSBEE,CRS,GRI,[email protected]

BOBCASTELLANO,[email protected]

JEFFCLARK,[email protected]

JOHNGONZALEZ,[email protected]

[email protected]

STAFFMAUREENMURPHY

[email protected]

MARISAMOLEIROMLSDirector

MLS,Marketing,Newsletter,[email protected]

RENEEJORDANEducationDirector

Classes,Seminars,[email protected]

VICKIHOUTRIDESAccounting&GovernmentAffairs

[email protected]

KIMARENASMembershipDirector

Sponsorship,Membership,[email protected]

Advertise in RAMC Digest!

Contact Marisa for information on advertising at [email protected]

Deadline for the October edition is October 17th.

Page 2

National Association of REALTORS® 888‐874‐6500

Florida Association of REALTORS® 407‐438‐1400

Florida Legal Hotline 407‐438‐1409 Free advice from an Attorney for members of Flor‐ida Realtors®!

Florida Tech Helpline 407‐587‐1450 (M‐F 9am‐8pm / Sat 9am‐5pm) Free expert assistance and support for all your technical needs.

DBPR 850‐487‐1395 www.MyFloridaLicense.com/dbpr (FL Dept. of Business and Professional Regulation)

Check your CE credits and license renewal information at:

www.MyFloridaLicense.com

MLS Technical Help Desk & GoMLS Help 888‐825‐5472 M‐F 8:30am‐8:30pm / S‐S 8:30am‐3pm

Form Simplicity 407‐587‐1450

IMAPP 888‐462‐7701

IMPREV Marketing Center 800‐809‐3356

ListHub Support 877‐847‐3394 (press 2)

ListingBook 866‐353‐3456

RatePlug 877‐710‐0808

RealBiz 360 888‐732‐5249 (press 2)

Realtor.com 800‐878‐4166

RPR (24‐7 Support) 877‐977‐7576

ShowingTime 800‐379‐0057

Supra 877‐699‐6787

Important Phone Numbers and Web Sites

HowtotrackyourCECreditswithDBPRHowtotrackyourCECreditswithDBPRHowtotrackyourCECreditswithDBPRIt is very important to keep all your continuing education letters to validate your coursework. These letters will tell you the course names and how many credits you received. If the credits did not get transmitted successfully to DBPR, then you will be able to use the letters to verify your attendance.

For questions, please call the Customer Contact Center at 850.487.1395 Monday‐Friday, 8 a.m. ‐ 6 p.m. and Saturday 10 a.m. ‐ 2 p.m. EST.

>> Click here to Verify CE Credits at DBPR Online

>> Click here for Florida Realtors® Education Contacts

For more information about Florida Licensing requirements, you can visit the Florida Realtors® website by clicking here

Page 3: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

Page 3

MembershipNew Business Partners Bonnie Brown Law Offices of Bonnie A. Brown

Abby Hinkle Queenie’s Home Inspections

Jamie Kratzenberg Visionary Home Management

Don Morton Visionary Home Management

Alicia Nelson Law Offices of Bonnie A. Brown

Linda Wellmaker Eagle Home Mortgage

New Business Partner Offices A348—Eagle Home Mortgage 601 21st St., #300 Vero Beach, FL 32960 772‐260‐0476

A349—Law Offices of Bonnie A. Brown 514 Colorado Ave. Stuart, FL 34994 772‐221‐9024

A350—Visionary Home Management 800 Village Square Crossing, Suite 202 Palm Beach Gardens, FL 33410 561‐656‐2095

A351—Queenie’s Home Inspections 5336 SE Horizon Ave Stuart, FL 34997 772‐634‐6003

New REALTOR® Members Lisa Braswell‐Smith BHG Real Estate Laviano & Assoc.

Lisa Bruton Keller Williams of the T.C.

Francis Fortson Premier Realty Group

Doreen Horton Century 21 IRP Realty

Heather Lee Keyes Co.—Jensen Beach

Kasie Salenetri BHG Real Estate Laviano & Assoc

New MLS-Only Members Denny Gonzalez BH Realty, LLC

Mary Kriske The Bridges

REALTOR® Member Office Transfers Mark Florman RE/MAX of Stuart

Richard Otten Keyes Co.—Hobe Sound

Returning REALTOR® Members Erica Clarke Berkshire Hathaway

New Realtor® Offices #1048—BH Realty, LLC 1200 Ponce De Leon Blvd. Miami, FL 33125 305‐249‐1272 DR: Denny Gonzalez

#1049—The Bridges 8985 SE Bridge Rd. Hobe Sound, FL 33455 772‐546‐8785 DR: Mary Kriske

SAFETY FIRST

We’ve heard a lot about Realtors® in dangerous and sometimes fatal situations,

and the Martin County Sheriff’s Office has created a program to help our agents

stay safe. If you are meeting someone for the first time at a home showing, and

feel uncomfortable, you can call this number: (772) 220‐7170 and ask for a

Deputy Standby at the address you will be at, and give them the code 38R

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Page 4

education outlookoutlook October October October 2014 2014 2014

LinkedIn Essentials: A MindFul Seminar w/Chip Leakas Thursday, October 2nd, 10:30am‐ 1:30pm FREE LinkedIn Essentials is the practical instruction real estate professionals need to start making the most of social media. We sort through the clutter and turn down the noise to simplify, clarify, and illuminate the essential steps you’ll need to leverage LinkedIn to build relationships, extend your network and grow your business. Lunch provided by Embrace Home Loans

Self‐Directed IRA hosted by Chelsea Title with Tyler Carter Friday, October 3rd, 9am‐ 12pm 3 CEUs $10.00 Did you know that your clients can tap into their retirement plan to purchase investment real estate? Join us to learn more! Breakfast provided by Chelsea Title Company

Basic (FUSION) MLS Thursday, October 9th, 9am‐ 12:30pm 3 CEUs FREE Learn the rules and regulations, MLS overview, client set up, listing input, search & maintenance, add photos, print reports & add a listing to open house tour. Breakfast provided by John Uhle & Associates

Advanced (FUSION) MLS Thursday, October 9th, 1:30pm‐ 4:30pm 3 CEUs FREE Prerequisite: Basic MLS; Advanced MLS gives you a listing search review with advanced functions, how to customizing search templates, customiz‐ing grid views, exporting data out of MLS, using the Report Manager to create custom reports, setting up your Agent Web page, and running statis‐tical searches, all within the FUSION MLS system. Snacks provided by TC Palm Home Inspection

Brown Bag “A Marketing Seminar” w/ Tara Biek, of the Martin County Real Estate Book Tuesday, October 14th 11:30am‐1pm FREE Join Tara to maximize your marketing skills and techniques. Snacks provided by Karen Gilmore of Fidelity Funding Mortgage

Live Webinar “Negotiating Skills for Today’s Real Estate Professional” w/David Wyant Friday, October 16th, 9am to 1pm $15.00 4 CEUs Just imagine a Realtor® is in a situation where they want one thing and their counterpart wants another. What to do? There is a way to find a solution—and that is through negotiation. This course examines the art of negotiation and what it can mean for a real estate professional when practiced correctly. Breakfast provided by Prime Lending

New Member Orientation Friday, October 17th, 9am ‐ 4pm FREE Member orientation and Code of Ethics for new RAMC Members.

Code of Ethics—for Renewing Association Requirements Friday, October 17th 1pm—4pm $15.00 No CEUs Members can attend the afternoon session of New Member Orienta‐tion to satisfy their biennial requirements for Code of Ethics; this is a NON‐credited class.

Realist w/Doug Fremming Wednesday, October 22nd, 9am—12pm FREE Realist is the public records/tax roll information service provider for RAMC MLS. Learn how to run searches for mailing lists, exports, and create mailing labels among other functions. Limited to 20 attendees. Refreshments provided by Kevin Sargent, Seacoast National Bank

Fusion MLS Workshop w/Doug Fremming Wednesday, October 22nd, 1:30pm‐4:30pm FREE

Come to this Fusion MLS workshop to get all your questions answered

by our trainer, Doug Fremming. If you have specific questions that

need to be answered, bring them with you as well as your laptop!

Resort and Second Home Property Specialist w/Dick Fryer Thursday, October 23rd, 8:30am‐5:30pm $169.00 7CEUs

Be a part of this exciting opportunity to learn about the resort area

and second‐home specialty and fulfill one of the core requirements for

the RSPS certification. To find out more and register for this class, call

IFREC at 888‐647‐7277

Breakfast provided by Two Men and a Truck; Lunch provided by Co‐

merica Bank; and Snacks provided by White Glove Moving & Storage.

GRI 200 Series Mon. 10/27, Wed. 10/29; Thurs. 10/30, & Mon. 11/3

Course Tuition Fees: $299.00 for the entire series; or $165.00 for

each module

To register, call Florida Realtors® at 800‐669‐4327

Sponsors for this event: Signature Title, Karner Surveying, UBS Finan‐cial Services, White Glove Moving & Storage, Chase Bank, and John Uhle & Associates.

HOW TO REGISTER FOR CLASSES

Log on to http://www.RAMCFL.org

Click on “Calendar” and search for the class you want to reg‐ister for.

Click on the Class

Click on “Register”

Enter Credit Card information if there is a fee

Click on “Register” again

Click on “Print Receipt” to save a copy of the class info for your records.

No refunds or credits for no‐shows. Cancel 48 hours in advance if necessary.

Page 5: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

800.706.9991 | SeacoastNational.com*#1 Purchase money lender per Marketrac 2012 and 2013. All loans subject to credit approval.

TOP RESIDENTIAL LENDER ON THE TREASURE COAST IN 2012 AND 2013*

• We can pre-qualify and pre-approve buyers

• We stand side by side with you through the process

• We make decisions locally and quickly

Let us assist you, your buyers and sellers:

Our success as a top lender is largely based on your trust, loyalty and referrals. We appreciate your business and look forward to continuing our relationship with you by providing quality products and excellent service.

WE STILL ISSUE FIRM LOAN COMMITMENTS

AND, THANKS TO YOU, WE’RE #1!

Connect with us

Suzanne Granfield

Mortgage Banking Officer

NMLS ID 683934

Cell: 772.486.4999

Kevin Sargent

Mortgage Banking Officer

NMLS ID 365619

Cell: 772.214.5500

Jerri Smith

Mortgage Banking Officer

NMLS ID 295735

Cell: 772.285.0249

Gay Asbury

Mortgage Banking Officer

NMLS ID 683921

Cell: 772.486.1064

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Page 6

2015 Annual InstallationFriday, Septem

Mariner Sand

A BIG Thanks to our Platinum sponsors from

Seacoast National Bank!

CONGRATULATIONS to the

Business Partner

Company of the Year...

KARNER

SURVEYING

CONGRATULATIONS to the

Business Partner

Individual of the Year...

MIKE SEARLE

CONGRATULATIONS to the

Community Service

Award Recipient...

PRISCILLA

BALDWIN

CONGRATULATIONS to the

Distinguished Service

Award Recipient...

DIANA BRUTON

CONGRATULATIONS to the

REALTOR® of The Year...

TOM BAKER

Let us introduce your 2015 BOARD OF DIRECTORS

TOP ROW: HB Warren, John Gonzalez, Joan Rogers, Bob Castellano,

Diana Bruton, Dan Brady, Jeff Clark; BOTTOM ROW: Bill Dean, Jennifer

Atkisson‐Lovett, Dennis Fadden, Ann Busbee & Rick Boschen

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Page 7

n & Awards Luncheon mber 26th, 2014 ds Clubhouse

“To Serve with Integrity”

Page 8: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

Be a part of this exciting opportunity to learn about the resort

area and second-home specialty and fulfill one of the core

certification requirements for the RSPS Certification!

This one-day course from NAR focuses on the essentials of

assisting customers and clients in tourist-driven areas and

other second-home markets, including:

How to take advantage of community resources and

tourism bureaus

How to prepare to act when laws that directly affect

the resort business are scheduled to change

How to handle the media – rather than being

handled by it

The benefits and challenges of second homeownership

The Resort & Second-Home Markets course is one of the

core education requirements for the RSPS certification and

fulfills the elective course requirement for the ABR®

designation.

Realtor Association of Martin County 43 SW Monterey Road, Stuart, FL 34994 Thursday, October 23, 2014 8:30am- 5:30pm Cost: $169.00 Instructor: Dick Fryer, IFREC Real Estate Schools To Register: Call IFREC School at 888-647-7277

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Page 8 Page 8

2014 RPAC Members2014 RPAC Members2014 RPAC Members

$99 Club Members

Diane Asker

W. Thomas Aydelotte

Elias Azzi

Thomas Baker

Bobby Barfield

Peggy Batch‐Gattone

Diana Bloom

Stephen Bohner

Rick Boschen

Boyd Bradfield

Diana Bruton

Marty Carmody

Ronald Caruthers

Joan Cass

Robert Castellano

Jeff Clark

Christopher Clifford

Katherine Coury

Christopher Dalfo

Steven Day

William Dean

David Derrenbacker

Todd Doss

Stephen Dutcher

Mary Dwan

Margaret Dyer

Melody Fortier

Elmira Gainey

James Gallagher

Cheryl Giannunzio

Ricou Hartman

Marion Jones

Carolyn Knight

Carol Kucharski

M. Joy Lane

Angie Laviano

Vincent Laviano

Edward Long

Sean Mann

Joseph Martin

Sandy McAlister

Gail McCallum

John McGhee

Patricia McGhee

Stephen Osburn

W Ronald Paradise

Drew Pittman

Paula Police

David Powers

Kevin Powers

Anne Schmidt

Ronald Schmidt

Gary Scott

Randolph Segal

Richard Sheehan

Russell Sites

Gayle Sokoloff

Christine Solimine

Patrick Stracuzzi

Ryan Strom

William Vanderwerff

Mary Ann Villalva

Frank Wacha

H B Warren

Sherri Westervelt

Randy Wisniewski

Dorothy Yatsko

Capitol Club Jennifer Atkisson‐Lovett Beverly Bray Nancy Burnopp Sandy Burton Carolyn “Ann” Busbee Deb Duvall Dennis Fadden Cheryl Gaydos John Gonzalez Joan Rogers Diane Romer Colleen Sample Joanne Zarro

Sterling “R” Tom Baker Katey Bourgeois

President’s Circle Golden “R” Maria Wells

*Names in red denote a new donor status since last month Page 9

Get on your bike or into your favorite ride and join our Road Rally October 16‐18. We’re on a mission to build participa‐tion in, and support of, Florida Realtors® PAC.

Click here for more information

Thursday, October 16, 2014 Realtors from across the state will join in organized Regional Rally groups that will end at the Mission Inn, in Tavares, FL. Along each route, Regional Rally Groups will stop at local associations to facilitate local fundraising events and collect investments in the PAC.

Friday, October 17, 2014 All Regional Rally Rides from the previous day will join together to form the State Rally Ride. Along their route, the State Rally Ride will make stops at other local associations and predetermined checkpoints to build awareness of Realtor issues and promote participation and invest‐ment in the PAC.

Saturday, October 18, 2014 Rally Groups and individuals are encouraged to stay for the Thank You breakfast and awards ceremony before heading home.

Register online now!

Florida Realtors® PAC Inaugural Road Rally October 16-18, 2014

Page 10: is coming to RAMC this month! digestramconline.info/docs/newsletter/2014/RAMC_News_October...888‐874‐6500 Florida Association of REALTORS® 407‐438‐1400 Florida Legal Hotline

Closed Sales

Cash Sales

New Pending Sales

New Listings

Median Sale Price

Average Sale Price

Median Days on Market

Avg. Percent of Original List Price Received

Pending Inventory

A

S

O

N

D

J

F

M

A

M

J

J

A

S

O

N

Produced by Florida REALTORS® with data provided by Florida's multiple listing services. Statistics for each month compiled from MLS feeds on the 15th day of the following month.

Data released on Monday, September 22, 2014. Next data release is Tuesday, October 21, 2014.

1,288 1,087 18.5% Inventory (Active Listings)

92.9% 91.9% 1.1%

375 402 -6.7%

$353,938 $379,858 -6.8%

55 50 10.0%

293 286 2.4%

$289,000 $290,000 -0.3%

Months Supply of Inventory 6.4 6.2 4.2%

August 2014 August 2013Percent Change

Year-over-Year

249 204 22.1%

99 75 32.0%

254 205 23.9%

$180K

$200K

$220K

$240K

$260K

$280K

$300K

$320K

$340K

Me

dia

n S

ale

Pri

ce

1,000

1,200

1,400

1,600

1,800

2,000

2,200

2,400

Tota

l In

ven

tory

0

50

100

150

200

250

300

Clo

sed

Sal

es

Monthly Market Summary - August 2014

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

2010 2011 2012 2013 2014

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

2010 2011 2012 2013 2014

Martin County Single Family Homes

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Closed Sales

Cash Sales

New Pending Sales

New Listings

Median Sale Price

Average Sale Price

Median Days on Market

Avg. Percent of Original List Price Received

Pending Inventory

A

S

O

N

D

J

F

M

A

M

J

J

A

S

O

N

Produced by Florida REALTORS® with data provided by Florida's multiple listing services. Statistics for each month compiled from MLS feeds on the 15th day of the following month.

Data released on Monday, September 22, 2014. Next data release is Tuesday, October 21, 2014.

515 549 -6.2% Inventory (Active Listings)

92.1% 88.7% 3.8%

164 193 -15.0%

$135,176 $121,071 11.7%

62 66 -6.1%

127 134 -5.2%

$112,500 $110,000 2.3%

Months Supply of Inventory 5.1 5.4 -6.0%

August 2014 August 2013Percent Change

Year-over-Year

104 93 11.8%

75 60 25.0%

126 96 31.3%

$70K

$80K

$90K

$100K

$110K

$120K

$130K

$140K

Me

dia

n S

ale

Pri

ce

0

200

400

600

800

1,000

1,200

1,400

Tota

l In

ven

tory

0

50

100

150

200

Clo

sed

Sal

es

Monthly Market Summary - August 2014

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

2010 2011 2012 2013 2014

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A S O N D J F M A M J J A

2010 2011 2012 2013 2014

Martin County Townhouses and Condos

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October2014October2014October2014MONDAYMONDAYMONDAY TUESDAYTUESDAYTUESDAY WEDNESDAYWEDNESDAYWEDNESDAY THURSDAYTHURSDAYTHURSDAY FRIDAYFRIDAYFRIDAY

1 2

10:30am—LinkedIn Essentials

3

9am—Self‐Directed IRA

6 7

8:30am—Residential Marketing, Area 14, Map Q; 5020 & 5030

8 9

9am—Basic MLS

1:30pm—Advanced MLS

10

13 14

8:30am—Residential Marketing, Area 12, Maps O & P

11:30am—Marketing Seminar w/Tara Biek

15 16

9am—Live Webinar “Negotiating Skills for Today’s Real Estate Profes‐sionals”

17

9am—New member orientation

1pm—Code of Ethics

20 21

8:30am—Residential Marketing, Area 9, Map J

22

9am—Realist Hands‐On

1:30PM—Fusion MLS Workshop

23

8:30am—Resort & Second Home Property Specialist (RSPS) Class

24

27 28

8:30am—Residential Marketing, Area 9, Map K

29 30 31

“Thank You” to our September Program Sponsors!!!“Thank You” to our September Program Sponsors!!!“Thank You” to our September Program Sponsors!!! 9/2/2014 Marketing Svetlana Nemeroff Law offices of Svetlana Nemeroff

9/4/2014 Basic MLS Christopher Albanese All Florida Real Estate Schools

9/4/2014 Intermediate MLS Anna Valencia White Glove Moving, Storage

9/5/2014 FHA/VA Financing Karen Gillmore Fidelity Funding Mortgage Corp.

9/9/2014 Marketing Jamie Redditt Stuart Shooting Center

9/10/2014 Realtor Safety Svetlana Nemeroff Law offices of Svetlana Nemeroff

9/12/2014 Code of Ethics Peggy Hornick East Coast Mortgage Lenders

9/15/2014 MRP Certification Kevin Sargent Seacoast National Bank

9/16/2014 Marketing Ellen Snow Kolter Homes

9/19/2014 New Member Orientation—B‐fast Cindy Miller First American Title Insurance Company

9/19/2014 New Member Orientation—Lunch John Uhle John Uhle & Associates

9/23/2014 Marketing Ellen Snow Kolter Homes

9/30/2014 Marketing Regina Karner Karner Surveying

If you are interested in sponsoring an upcoming program, please contact Renee at [email protected]

GRI 201 GRI 201 GRI 202