4.45 Associate Business Expenses

You are prohibited from obligating the Company to pay for any expenses without the prior written consent of your Manager or Broker. Any expenses relating to customers or clients, transactions, entertainment, or Associate’s personal promotion will be paid for by the Associate and not the Company, unless otherwise agreed in writing by your Manager or Broker. As an independent contractor, each Associate is expected to be in business for herself/himself. Generally, all business expenses will be the responsibility of the Associate.

The Company provides certain items at little or no cost to the agents. The following items noted with an asterisk* may come at an additional cost to the associate. Inquire with the Manager. The Company has done its best to provide these items for little or no cost or an option to to a basic/free version of the product or service.

• Select Company software programs, websites listed below:

• Online software programs – ,Skyslope , Real Geeks and Basic/Essential AARE Membership

• Development of Company marketing material.

• All marketing and advertising costs for Company leads and costs on listings from Company lead sources.

• Workman’s Comp (in States that require it). *See Appendix G for States that are covered.

• Company parties and events.

• Company staff and agent support (excludes individual Agent’s using staff as a personal assistant).

• Office expenses for executive suite access to conference rooms, day offices, and the use of any Company offices (private office expenses are the responsibility of the Associate, if desired).

• Office yard signs, riders, or office open house signs available in limited locations.* Personal signs are at the associate’s expense.

The Associate will be expected to pay for all other expenses including, but not limited to, these particular items:

• Cell phones and any data plans for mobile devices.

• All marketing and advertising on listings from personal lead sources.

• Personal advertising, business cards, custom yard signs, lockboxes, and personal websites.

• All automobile expenses, gasoline, and insurance.

• Personal telemarketers and personal assistants.

• Copying, printing, scanning, faxing, and mailing expenses.

This list of expenses paid by the Company or Associate may be amended by the Company from time to time. Any changes will be posted by appropriate publication to all Associates.