Instructor: Steve David Let’s face it…buyers are still going to buy. Sellers arestill going to sell. Tenants are still going to rent. Landlords are still goingto lease. NOTHING has changed from their perspective. And remember, everythingrevolves around the customer’s view of the world. You have to figure out how tobe an integral part of their real estate world. In this program, you’ll learn: • How we got here, how to eliminate the negatives, and the new rules goingforward • Strategies and tactics you’ll take to leave the crowd behind. • “How to get a customer to sign with you and negotiating your fee” • How to welcome the change as a new opportunity to ramp up our skill sets andexcel in the marketplace. Monday, April 29 MIAMI HQ 700 South Royal Poinciana Blvd Suite 400 Miami, FL 33166 1:00pm – 4:30pm

Join us for the latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2024 MIAMI-YPN President Dania Diaz Chris Umpierre, Chief of Communications, MIAMI Association of REALTORS®

Join us for the latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2024 MIAMI Corporate Board Director Enrique Teran Chris Umpierre, Vice-President, Communications, MIAMI Association of REALTORS®

Join us for the latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2024 MIAMI Residential President Justine Jimenez Garcia and Chris Umpierre, Vice-President, Communications, MIAMI Association of REALTORS®

Real Estate Market Trends and Outlook seminar. MIAMI Realtors’ Chief Economist: Gay Cororaton will discuss her latest research on the wealth mitigation to South Florida, 2024 forecast, latest market stats, insights and actionable intelligence and opportunities in the local estate landscape. Instructor: Gay Cororaton – Miami Realtors Chief Economist

Leveraging Market Stats to Boost Your Business Series - January 2024 Join us for the latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2024 MIAMI Residential Board Governor Ana Bozovic Chris Umpierre, Vice-President, Communications, MIAMI Association of REALTORS®

Instructor: Ken Fears Freddie Mac 97% LTV: Which Condos Are Approved? January 17 Freddie Mac announced an important expansion of its Condo Project Advisor tool. The changes will help smooth the condo review process for lenders working with condo buyers, but it will also allow HOAs to provide information about their project if it is missing. These changes are an important step toward improving HOA’s ability to comply with the new, more challenging requirements implemented in the wake of the Surfside building collapse. NAR (National Association of Realtors) previously called for the GSEs to, “take a proactive role in helping to improve the availability and consistency of association documentation, financials and studies. This task would fit within their duty to serve the market”. The changes to Condo Project Advisor include assigning all projects in Freddie Mac’s database an approved or not-approved status. This simple change allows lenders to see the status of condos Freddie Mac has previously reviewed. If the project is approved, any lender can now use that status and there is no need to resubmit a costly and time-consuming review. Alternatively, a lender can submit information for review if the project is not approved. Finally, if a project is about to lose its approved status, Freddie Mac will proactively reach out to the HOA to remedy and missing information. Furthermore, if a project loses its status, the HOA, rather than the lender, can contest the change directly with Freddie Mac. These three changes are significant, and NAR appreciates them. Allowing agents access to the Condo Project Advisor tool will help them access the information needed for the buyer to obtain financing and work with HOAs to get that process started earlier. Speakers: Kenneth Fears, Senior Policy Representative for Banks, Lending, and Housing Finance for the National Association of REALTORS® Danielle Blake, MIAMI REALTORS® Chief of Commercial

Instructor: Evian White De Leon January 9th Explore the implications of Florida’s Senate Bill 264 (2023) on the interests of foreign countries in the state’s real estate market in this class – including important updates on remaking by FREC, the Florida Department of Agriculture, and the Florida Department of Commerce. Effective July 1, 2023, the law regulates property transactions involving foreign principals, individuals, and entities, with significant implications for the real estate industry. Learn about key provisions, potential litigation, and the need for legal consultation to understand and navigate the law’s impact on your real estate transactions and responsibilities.

The latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2023 MIAMI Chairman Ines Hegedus-Garcia Chris Umpierre, Chief of Communications, MIAMI Association of REALTORS®

The latest market statistics and information. Featuring Current Trends and Outlook: • What’s the latest on rising mortgage rates and how are they impacting the market? • What’s the latest on the intense demand and lack of supply? • What’s happening in the luxury sector? • What factors are fueling demand and how will they affect future market activity? • How does market performance vary by price point, area, and other factors? Hosts: 2023 MIAMI Corporate Board Director Chandra Etienne Chris Umpierre, Vice-President, Communications, MIAMI Association of REALTORS®