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A Team of Experts... Specializing to serve you better.

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1 A Team of Experts... Specializing to serve you better

2 Charlotte BovaListing, REO & Short Sale Specialist George GardnerClosing Manager & REO Specialist  Charlotte’s focus is listing homes, prospecting daily for buyers for our listings & listings for our buyers, showing homes and negotiating contracts for our clients.  Charlotte also specializes in listing & selling Freddie Mac REOs  Charlotte’s normal hours are Monday – Friday, 7:30 am – 6 pm. She prospects each morning & normally schedules appointments starting at 2 pm When Charlotte is prospecting, she is on the phone looking for buyers for our listings & homes for our buyers  George’s specializes in listing & selling Fannie Mae & other bank REOs : coordinating evictions & CFKs, doing BPOs & CMAs, marketing recommendations, coordinating repair contractors, negotiating offers, etc.  George also managing the process from ratified contract to closing and attends closing with our clients.  George’s hours are typically Monday – Friday, 7:30 am – 5 pm. Appointments are scheduled during these times. Meet our Team…  As our customer service specialists, Nick & Susan check email thru out the day & are primary on answering phones.  Nick’s handles administrative details for our sellers, from listing day thru contract negotiations. Nick handles all marketing & showing feedback/questions for our listings. He processes all listing paperwork & keeps files up to date.  Nick’s handles administrative details for our sellers & buyers that are under contract to ensure your closing experience with us is smooth & uneventful. She processes all contracts & paperwork and keeps files up to date & on track.  Susan coordinates everyone involved through the closing process. Other Agents, lenders, attorneys, appraisers, buyers & sellers are just a few of the people she contacts: monitoring deadlines, facilitating paperwork & information, etc.  Susan & Nick’s hours are typically Monday through Thursday 8am – 5pm, Friday 8am – 2pm Susan English & Nick Roth Client Care Coordinators  Beth handles the administrative details for our listings to ensure your experience with us is smooth and uneventful. She processes paperwork for our sellers & keeps listing files up to date & on track. As one of our client service specialists, she answers the phone and assists with emails.  Beth helps with most of the marketing for our listings, updating websites, coordinating agent caravans, etc.  Beth’s hours are typically Tuesday and Thursday 10am – 3pm, Beth Hamlin-BrownSenior Admin Assistant

3  Tom is one of our Buyers Agents : he works with our Buyers to find their perfect home through daily research and showing potential homes to clients and writing contracts. He also looks for buyers specifically for our listings  Tom attends our company office meetings & caravans new listings to preview potential homes for our buyers.  Tom also helps with delivering paperwork, taking photos and measuring homes, putting up “For Sale” and “Sold” signs and lock-boxes, meeting inspectors, etc when necessary.  Tom also assists Charlotte is all aspects of Listing & Selling Freddie Mac REOs  Tom’s hours vary but he usually works Monday – Friday all day, and Saturday & Sunday by Appointment Tom SimpsonREO & Buyer Specialist … More Team Members John StockerBuyer Specialist  John is one of our Buyer’s Agents : he works with our Buyers to find their perfect home through daily research and showing potential homes to clients and writing contracts. He also looks for buyers specifically for our listings.  John also helps with delivering paperwork, taking photos and measuring homes, putting up “For Sale” and “Sold” signs and lock-boxes, meeting inspectors, etc when necessary.  John’s hours vary but he usually works Monday – Friday, in the afternoon and Saturday & Sunday by Appointment

4 My Customer Service My Objectives Are the Following:  To assist in getting as many qualified buyers as possible into your home until it is sold.  To communicate to you weekly the results of our activities.  To assist you in negotiating the highest dollar value … between you and the buyer.  To provide you with exceptional customer service from first contact through closing.

5 Marketing Plan for Your Home The Following Are the Steps I Take to Get a Home Sold … the "Pro-Active Approach" 1)Submit your home to our local Multiple Listing Service & various websites including:;;; & more than a dozen others 2)Price your home competitively … to maximize the market vs. narrowing the market. 3)Promote your home at the company sales meeting. 4)Develop a list of features of your home for the Brokers to use with their potential buyers. 5)Email information to the top 200+ agents in the marketplace for their potential buyers. 6)Suggest & advise as to any changes you may want to make to your property to make it more saleable. 7)Constantly update you as to any changes in the marketplace, and provide you your own personal website for viewing marketing, activity and agent feedback on your property. 8)Prospect 3 hours per day (i.e., talk to 125 or more new people each week) in order to look for potential buyers. We don’t just wait for buyers to come to us. 9)Notify our buyer leads, sphere of influence and past clients for their referrals and prospective buyers. 10)Add additional exposure through a professional sign and lock-box. 11)Provide 24-hour access to recorded information about your home via our 1-800 # which captures the caller’s number and notifies us so that we can follow up immediately. 12)Whenever possible pre-qualify the prospective buyers. 13)Keep you aware of the various methods of financing that a buyer might want to use. 14)Have the Carolina One Agents in the area tour your home. 15)Follow-up on the salespeople who have shown your home … for their feedback and response. 16)Assist you in arranging interim financing … if necessary. 17)Represent you on all offer presentations … to assure you in negotiating the best possible price and terms. 18)Handle all the follow-up upon a contract being accepted … all mortgage issues, inspections and other closing procedures … to get your home sale closed. 19)Follow up with you after closing to ensure that you have no unanswered questions or unfinished business.

6 Charlotte's Average Days On Market49 Other Agents' Average Days On Market139 9/1/2012 thru 12/31/2012 WHY HIRE CHARLOTTE BOVA Charlotte Bova Average Sales Price to List Price98% Other Agents Average Sales Price to List Price96% 9/1/2012 thru 12/31/2012 So far in 2013, Charlotte has averaged 18 homes sold per month. In 2012, Charlotte averaged 24 properties sold each month while, on average, agents in the Tri-County Area sell barely 2 homes each year. In 2010, nearly 2/5 of all agents failed to sell a single property (1783 out of 4402), and only 9% of residential agents sold one or more a month. The Best Agents … like Charlotte Bova … have been doing this a long time (since 1985), do it a lot (over 20 times the average), and do it well (more money in your pocket in less time) while providing exceptional customer service.

7 Benefits of Hiring a Real Estate Team vs hiring a single agent or selling on your own We will verify the value of your property by doing a Comparative Market Analysis. We will use an Active and Aggressive Marketing Plan to expose your property to the maximum number of potential buyers. We walk you through every step of the marketing and closing process so you don’t miss important details. Listing with us, your property is instantly accessible by over 6000 real estate agents who could show your property to buyers. We also have four licensed agents (Charlotte, George Tom & John) available to show buyers to your home ourselves. We have two admin team members (Susan & Nick) whose top priority is to make sure you get the best customer service possible. We will negotiate all offers on your behalf, to your best possible advantage. We will present your counter offer or acceptance to the buyers’ representative/agent. We will prepare your paperwork and assist you in getting needed information and paperwork to everyone who needs it. We will coordinate the buyer’s agent, the lender, the closing attorney, the inspectors and all the myriad of other people involved in your transaction to make sure your closing occurs without delay. We will stay in weekly contact with closing attorney to assure they have all documents and information in advance of closing to prevent any delays. We will stay in weekly contact with the buyers’ lender to assure they have all documents and information in on schedule to get final loan approval and the package prepared before the closing date. We will assist you in choosing a reliable home inspector, explain the inspection results to you, help you decide what items to have fixed by the seller and negotiate to have those items fixed before you move in. If you are buying elsewhere, we will coordinate with your buyers’ agent handling that transaction to ensure a smooth process. We will explain all legal documents needed for closing so that you understand everything that you sign. Over 48 years combined experience in the Charleston Real Estate Market allows us to avoid pitfalls and potential delays, before they happen. We specialize: Our team has seven professionals who specialize in different aspects of selling and buying so that we can help you navigate the process, avoid the pitfalls, and sell your house for the most money, in the least time, with the least amount of hassle.

8 Charlotte has been successfully helping people buy and sell real estate in the Charleston area since 1985. In addition to the solid basic and on-going training Charlotte receives from Carolina One Real Estate, Charleston Trident Association of Realtors and the South Carolina Association of Realtors, she has been coached by Mike Ferry since 1988. Through Mike’s One-on-One Coaching Program, Charlotte hones her skills and knowledge every day. She meets with one of Mike’s personal Real Estate coaches once a week, speaks with other top agents in the program each day and attends a multi-day training program twice a year. This training helps place her in the top 1% of agents in the country. A WELL-TRAINED EXPERT

9 Testimonials Willingness to help solve problems and general attitude was wonderful. Between the two of us my husband and I have bought and sold over a dozen houses. This experience with Charlotte Bova and her team was the easiest and most pleasant thing I’ve ever done. They were helpful, knowledgeable, hard working, and available. Thank you Charlotte! Skip & Elizabeth Godow Working with Charlotte & the team was a pleasure and painless. We told them what we were looking for in a new home. They listened & found us the perfect neighborhood & home. They were with us every step of the way! Sherry & Marvin Bazzle It was obvious to us that they valued us as a client, we were not just a number. Always available and a pleasure to work with. Jo Gafford So attentive and easy to talk to – always readily available. Charlotte made us feel like we are her favorite clients. She and her staff are the most wonderful people to work with! Marcy & Kyle Huckabee Personal & Professional service at its finest! Buying and Selling a home is a BIG deal, and Charlotte made me feel comfortable every step of the way. Sherry Sawer Very informed about the market and sales in general, and respectful of our opinions and wishes. Prompt attention to every detail. Martha Gosnell

10 Testimonials Best realtors in the business! Christine Dodson The time they took to make sure everything was accurate and then going above and beyond job duties! Dionisio Hernandez Charlotte is clear, positive, knowledgeable, and a delight to work with. Charlotte Bova and Associates gave me the confidence that my property would be well represented and sold soon as they delivered on their promise. Susan Gooch We loved the support of the entire team and appreciate all their hard work getting our house sold!!! Tad & Kristen Fletcher I was an out of town seller, and when I first contacted Charlotte I wasn’t ready yet to list my house. Charlotte kept in contact with me until I was and then game me great service. Charlotte and team went over and above to take care of local issues for me. Susan Sullivan We followed Charlotte’s advise and had 4 offers in 3 days. Confidence in the Charlotte Bova team experience! Lauren Weigand As a first time homeowner, the process could not have been made any better or easier from start to finish! Keith Grabowski I could not have asked for a better agent to help us through this difficult change, Charlotte deserves a medal! Cindy & James Kirby

11 “Client-First” attitude Strong work ethic, energy, enthusiasm 100% Honest 100% of the Time 99.5% client satisfaction Strong negotiating skills Understands the market and how to sell homes Consistently sells 60-90 homes every year Proven track record that is better than average agent Has sold over 1200 homes 7 Person team with each person specializing in specific aspects of Real Estate 5 Full-time licensed agents for availability 2 Full-time assistant whose primary focus is customer service Weekly communication with sellers, at a minimum Constantly monitors the market –Auto-search for sellers & buyers provide daily updates –Newspaper articles Daily prospecting for buyers for our listings & listings for our buyers Employing top Real Estate coach to stay up on latest marketing techniques Systems in place for all aspects of Real Estate Work for largest & most productive real estate company in Charleston Part of Carolina One Real Estate Relocation team Belongs to several national referral networks: Mike Ferry Organization, Council of Residential Specialists, Leading Real Estate Companies of the World Access to support network to assist our clients –Contractors –Pest Control –Landscapers Masterminds with like minded top agents to share marketing strategies More Reasons to Hire Charlotte Bova & Associates Benefits – Services – Values to our Clients

12 References Please feel free to contact some of my past clients Sam & Susan Allen, attorney sam@akimlaw.com843-722-8070 Tommy Brush, attorneytommy@brushlawfirm.com843-766-5576 Lou & Chris Ebel, appraiser ebel505@aol.com843-556-6864 Kelly & Marshall 843-766-3017 Skip & Elizabeth 843-814-2288 Jo & Dick 843-209-6887 Martha 843-708-5445 Lauren 843-437-0867 Marcy Huckabeemrs_huckabee@yahoo.com843-412-5958 Sherry 843-906-1920

13 Thank you for your time & consideration. Please contact us with your questions. 873 Orleans Road, Ste 102 Charleston, SC 29407 843-763-5765 home office 843-202-3608 e-fax Charlotte Bova & Associates Charlotte Bova Team Leader, REO & Listing Specialist George Gardner Closing Manager & REO Specialist Tom Simpson Buyer & REO Specialist John Stocker Buyer Specialist Susan English & Nick Roth Client Care Coordinators

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