Our Guide to Helping You Sell Your Home

William Raveis Real Estate, Mortgage & Insurance

Paul Bernardi

812 Main Street

Osterville, MA 02655

508-272-1056

Paul.Bernardi@Raveis.com

Let the fastest growing real estate company in Massachusetts help you sell your home.

Not the biggest, just the best!

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Steps in the Home Selling Process

Seller

Selecting a

Raveis Realtor

Prepare Your

Home for Sale

Determine Your

Selling Price

Initiate Your

Marketing Plan

Show Property

to Buyers

Have Public

Open Houses

Securing Buyer

Select Mortgage

Banker

Pre-Approval

Select Attorney

Inspections

5% Deposit

Closing

Make Offer

Negotiations

Offer Accepted

Purchase & Sale

$1000 Deposit

Credit Report

Underwriting

Closing Attorney

Title Search

Commitment

Document Prep

Successful Sale

Buyer

William Raveis Real Estate Professionals do more than just sell your home.

They become your advisor, your guide, your negotiator and your friend. We build Lifetime Client Relationships.

Your Raveis Realtor®... Explains what “Agency” means for you as the Seller and provides you with the

Massachusetts Mandatory Licensee-Consumer Relationship Agency Disclosure

Listens to your needs and will keep you informed of all activity and interest on your

home through scheduled conversations each week.

Abides strictly by the Code of Ethics, assuring you the most competent, profession-

al and ethical performance.

Has access to the latest market information to keep your home competitive with the

general market.

Markets your home utilizing the appropriate media vehicles including Signage, the In-

ternet, Social Media, Direct Mail, Print Media, Word of Mouth or Open Houses.

Will answer all questions to the best of their knowledge, and without violating Fair

Housing Laws, concerning zoning, neighborhoods, schools, churches, transportation

and communities.

Will keep you informed of the homes on the market most closely competing with your

home including new listings, new sales, and closings.

Knows the real estate values and can intelligently determine the fair market price for

your home and recommend a strategy to secure an offer at the highest price and in the

shortest amount of time.

Is experienced in presenting offers and will guide you through every step of the

negotiating stages.

Is totally committed to you and the sale of your home.

Agency

Understanding "Agency" Or Who Works For Whom?

Seller’s Agent

Agent represents the best interests of the Seller Client and puts their needs first.

Agent provides best efforts to secure ready, willing and able buyer.

Agent owes to the Seller

~ Undivided Loyalty

~ Reasonable Care

~ Accountability

~ Confidentiality

~ Disclosure

~ Obedience to Lawful Instruction

Agent must disclose known material defects in the real estate to interested parties.

Agent will facilitate negotiations in the best interest of the Seller.

Buyer Agency

Agent represents the best interests of the Buyer Client and puts their needs first.

Agent owes to the Buyer

~ Undivided Loyalty

~ Reasonable Care

~ Disclosure

~ Confidentiality

~ Obedience to Lawful Instruction

~ Accountability

Agent must disclose known material defects in the real estate.

Agent gives all material facts to the Buyer so he/she can make an educated decision.

Agent will facilitate negotiations in the best interest of the Buyer.

Buyer Client

Raveis

Realtor

Represents

Seller Client

Raveis

Realtor

Represents

Agency

Raveis

Realtor

Seller Client

Dual Agent

Agent represents both Buyer and Seller equally.

Agent must obtain written consent from both Buyer and Seller.

Agent’s objective is to reach an impartial agreement that’s mutually satisfactory to all parties;

agent shall remain neutral regarding any conflicting issues.

Agent will give all options to both Buyer and Seller, but refrain from advising any party during

negotiations.

Agent may do nothing to the detriment of either Buyer or Seller. Confidentiality is owed to all

parties.

Agent is responsible for accounting of funds.

Buyer Client

Represents

Works with

Raveis

Realtor

Raveis

Realtor

Buyer Client

Represents

Seller Client

Works with

Designated Agency

Allows one or more agents within a real estate firm to be appointed as a designated seller’s or buyer’s

agent.

Other agents within the firm may represent other buyers in the transaction with informed written con-

sent of each client.

Designated Agency does not change the way each agent works with their client.

Working Together

What it’s like to work with a RAVEIS REALTOR®

Here’s what our first two meetings will look like:

First Meeting: Discussion of Agency Relationship

Our Discussion – Nothing personal, financial or confidential

Overview of William Raveis Real Estate & Seller Goals

Tour of Your Home and Taking Photos, Room Measurements & Notes

Schedule Second Meeting for Marketing Proposal Review

Second Meeting: Discuss Marketing Proposal for Your Home

Review Suggested Marketing Calendar & Sample Marketing Pieces

Discuss Preparations Necessary Prior to Listing Your Home for sale

including Staging & Curb Appeal

What You Should Demand from Your Realtor®: Professionalism

Courtesy

Accuracy

Efficiency

Respect

Responsiveness

What to Expect...

Our ultimate goal is to achieve 100% customer satisfaction; we are determined in this pursuit. We ex-

pect to accomplish this by making your move as pleasant as possible. Below is an outline of general pro-

cedures that a buyer or the buyer’s agent should follow to show your home:

If Your Home has a Lock Box, the buyer or the buyer’s agent will do one of the following to schedule

an appointment:

Call your William Raveis office to confirm that your home is available and schedule an

appointment.

Call your William Raveis Listing Agent to confirm that your home is available and schedule

an appointment.

If Your Home does not have a Lock Box, the buyer or the buyer’s agent should do the following to

schedule an appointment: Call our William Raveis office to confirm that your home is available and schedule an appointment.

Call your William Raveis Listing Agent to confirm that your home is available and schedule an appointment.

Appointments at which your William Raveis Listing Agent must be present are generally referred to as an

Accompanied Showing.

I will leave a sign in sheet at your home that all agents must sign and date. I will check this against our records in the

office regularly and contact the agents who have shown your home for feedback.

If a potential buyer comes to your home without an agent or anyone asks to see your home without a prescheduled

appointment, it is in your best interest not to let them view your home. Politely let

them know that they should contact me to make an appointment.

Also, it is best that you are not at home during showings or open houses. Buyers

usually feel more relaxed viewing a home when the homeowner is absent; and agents

generally can more easily focus on selling.

I encourage you to call me with any questions or concerns during the entire period

that I am marketing your home. We are here to service you and your family. I make it

a point to contact you each week to provide you with feedback and to make sure

your expectations are being met.

Staging Your Home for Sale Most Buyers are looking for more maintenance-free homes and generally pay a higher price for those

that are in “move-in” condition.

Exterior

Your home must sell itself. An attractive, well maintained and pristine home is most appealing to poten-

tial buyers. The following list covers those items that influence buyers most. We offer it for your con-

sideration as you place your home on the market.

First Impression—A pleasing exterior appearance is essential for that

critical first impression. These simple suggestions will help showcase your

property to its best advantage.

Keeping the lawn mowed during the summer months can “frame” your

home beautifully. Shape up the shrubs and weed the flower beds.

Check porches and decks for loose rails that may need to be replaced, sanded and/or painted.

Clear the entry by keeping the walkways free of toys, garden tools and other hazards.

Brighten the structure with a coat of paint or just a good cleaning. Replace screens if they are

rusted or torn. Remove mildew or moss from walls or sidewalks with bleach and water or a commercial

cleaner.

Add charm with flowers along the entry walk, in a pot by the door or in cheerful

window boxes.

Rid the driveway of all grease stains with kitty litter or a chemical solvent.

Pick up all pet droppings and debris.

Tidy up the garage and show off its size. Get rid of everything that you do

not want to move and would have no value to the buyer.

Do you know your septic locations? How long has it been since your septic was cleaned? Septic

systems should be cleaned every two years to keep your fields from clogging.

Do you know your property boundary lines? Is there a survey or plot plan available?

Is the roof leaking? How long has the present roof been on your home? Does it need replacing?

Staging Your Home for Sale Interior

Think of prospective buyers as your guests and prepare the inside of your home accordingly.

Here are some points to keep in mind:

Perk up rooms with fresh paint. Sometimes just a touch-up will do. Choose light, neutral colors for

greatest appeal.

Clean up clutter for appearance and safety’s sake. Pay special attention to stairways, halls and

children’s rooms.

The kitchen sink should always be clean and free of dirty

dishes. Counter tops appear more spacious when clean and

uncluttered. Do the counters have stains from a hot pot or

are they chipped? Do they need replacing? If so, is it worth

your while to do it before the house goes on the market?

Freshly mopped floors and baseboards can help show off

your kitchen area. Does your kitchen floor show a lot of

worn areas? Professional cleaning may bring back the shine. If your kitchen cabinets are wood

grain, would a coat of polish help bring out the shine, or do they need refinishing?

Are all of your appliances in good working order? Is the oven clean? Is the refrigerator cluttered

with notes, pictures and schoolwork?

Eliminate odors by preventing them in the first place. Try to avoid

cooking with cabbage, onions and garlic before a showing. Many

people associate strong, spicy odors with uncleanliness.

Make bathrooms sparkle by cleaning tile and porcelain. Most

Commercial cleaners or vinegar will remove unsightly hard water

stains. Replace any loose caulking or grout, and repair any dripping

faucets.

Wash all windows and keep curtains and drapes crisp and clean.

Vacuum blinds and wash window sills.

Pantries and clothes closets should be organized to make them

appear larger. It may be to your benefit to clean and pack items that you will not need, such as off sea-

son clothing. This will give a neat, spacious, and uncluttered look.

Staging Your Home for Sale Interior

...continued

If there are any light fixtures that you would like to take with you, you may want to replace them be-

fore marketing your home.

If there is too much furniture, a room looks cluttered and small.

Clean the fireplace and make a cozy, crackling fire or dress it up with green plants or dried flowers.

Roll out the welcome mat with a rough-textured door mat. It will keep your floors and carpets clean-

er during showings and it indicates to buyers that you care about your home.

Do your hardwood floors need to be refinished? A coat of paste wax would give them that added

luster.

Take a look at your carpets. Do they have a worn look?

Would it be worth your time to investigate the cost of having

them cleaned? Or if you have hardwood floors, would your

home look better if the carpets were removed and the floors

exposed?

Add special accents that make your home appear comfortable

and inviting. An open cookbook on the counter, cut flowers in

a vase, cookies or bread baking in the oven.

De-personalize rooms by removing family photos and obvious personal items so that the buyer can

envision themselves and their belongings, thus enabling them to become emotionally attached.

Extra Efforts:

Empty out the attic to display the full value of this much appreciated but often neglected storage

space.

Clean and brighten the basement with light paint and large wattage bulbs. Drain sediment from

your water heater to eliminate any rusty water flowing from hot water taps.

Treat pets to a stroll while your house is being shown. Many people are afraid of or allergic to ani-

mals. By removing them, buyers won’t feel hurried or anxious.

Light classical music sets the stage for a serene, tranquil showing. Potential buyers can look at

your home quietly and without distraction.

How We Attract Buyers Generally, another agent, either from our office or another firm

will bring the prospective buyers. Using a blend of the newest

web-based marketing with traditional strategies, your home will be

marketed in such a way as to bring the quickest sale while achiev-

ing your financial goals.

Raveis.com 10 million visitors annually; 1 billion hits per year

Multiple photos

Enhanced listing highlighting your home

Weekend Open Houses

MLS Multiple Listing Service reaches over 25,000 participating agents throughout

Massachusetts, as well as individual clients who have enrolled to find a home.

Relocation Leading Real Estate Companies of the World

In-house relocation department

Impact Marketing

High quality postcards distributed when your home comes on the market

Open Houses Broker Open House to introduce your home to the local

real estate community

Public Open Houses advertised on the internet, through

social media and multiple signs.

Price Your Home to Sell

Understanding the Real Estate Market

According to the National Association of REALTORS®, if a house is priced correctly the

owners should receive one offer for every 10 showings.

In our Market, the number of showings that your home may

have on a weekly basis directly depends on the price range

and general market conditions.

1. If your home is not being shown, it means that both buyers and agents think the price is too high.

Recommendation: A significant price adjustment.

2. If your home is being shown, but no offers are being presented, it means that the buyers are

bidding on other homes that they think offer more.

Recommendation: A moderate price adjustment.

3. If your home is in the running, but buyers buy something else, or if the buyers view your home a

second time, but they buy another home, it means that we are most likely close to receiving an

offer.

Recommendation: A minor price adjustment.

If you have not received an offer after 10-15 showings, we will discuss what adjustments or changes should be made.

The Purpose of Feedback The reasons we call the agent who has shown your home are :

To jog the agent’s memory about your home so that we may inspire a second

showing.

To answer any questions or concerns the buyer expressed so that your home

may be reconsidered.

To get reaction from the buyers or agents that might help us to better market

your home.

Please Note: Agents do not usually give a full critique of your home. If they showed many homes, they

honestly may not remember yours in detail. Also, if an agent doesn’t call us back, it most likely means the

buyers are not interested.

Interpreting Feedback

When an Agent Says: The Agent Means:

“The buyer thought your home was too small.” The buyer found larger homes for the same price.

“The buyer liked your home but bought another

one.”

They found another home that was a better value

or was more appealing to them, e.g. fewer updates

needed

“They liked your home but decided to buy a new

home.”

Buyers will pay 10-20% more for new construction.

“They thought the yard was too small, the street

too busy, etc.”

They found other homes with larger yards, quieter

streets, etc.

“They didn’t like the carpet, etc.” Consider replacing the carpet and anything else

that dates your home and can be replaced relatively

easily if it is consistently mentioned in feedback

reports.

“They didn’t like the floor plan.” They didn’t like the floor plan.

Price objections are always clothed in other terms.

Seller’s Goal: To offer the greatest value in the price range.

Our Family of Services While you are under no obligation to work with our affiliated companies, we encourage you to

contact them to determine the best rates and products for you.

William Raveis Mortgage

Obtain a mortgage pre-approval before you begin to look for a new home. It will provide you

more bargaining power when you present your offer to demonstrate that you are already pre

-approved.

William Raveis Mortgage is a full-service mortgage banker., offering most types of mortgage

products including, but not limited to, conforming 15 & 30 year fixed rate mortgages, adjusta-

ble rate mortgages, jumbo, super jumbo, interest only, blended loans, second mortgages,

Home Equity Lines of Credit, new construction, land, FHA, VA, MHFA loans.

For information, contact Frank Merola, Executive Mortgage Banker

508-740-5922 cell

Frank.Merola@raveis.com

William Raveis Insurance Committed to providing customers with competitive rates, quality products,

superior in-person customer service, and innovative claims service, our insurance company offers

a broad range of insurance and financial products to provide you with competitive proposals for

life, home, flood, automobile, excess liability, valuable items and other personal insurance.

Our experienced, licensed professionals will research your risk potential and recommend the

appropriate coverage for protection of all your valuable assets. They understand the unique

and changing needs of our diverse customers and are dedicated to create products that serve

their individual needs.

We will work closely with REALTORS®, lenders and attorneys to en-

sure smooth and timely closings.

For information, contact Timothy Hodgman Insurance Sales Director

508-967-4092

Timothy.hodgman@Raveis.com

When an Offer is Presented* The initial Offer to Purchase contract is usually preprinted with fill-in the blanks for dates and dollar

amounts and is accompanied with a deposit, also called consideration. Together we will review the

terms and conditions of the offer and the contingency addendum if applicable.

The terms of the agreement will include:

Sales Price

Offer Expiration Date

Purchase and Sale Date

Consummation Date

Conditions/Additional Provisions—The buyer may specify any special terms of the sale.

This may include articles to be included with the house (such as appliances).

Contingency Clauses/Addendum—The offer is generally contingent on several things such

as the buyer acquiring a mortgage, selling a residence prior to purchasing and inspections.

Inspections—The buyers will have a home inspection at their expense, which according to

Massachusetts law, must be performed by a licensed home inspector. This should occur

within 10 days of the fully executed Offer to Purchase contract. Inspections are meant to

determine if there are any safety or structural issues with your home, not general maintenance

items. The inspector will check the condition of your home from basement to roof: the utili-

ties, the appliances remaining as part of the sale, existence of termites, lead, and radon. If ap-

plicable, the septic tank will need to be inspected by an authorized inspector. An inspection

can take from 3 to 5 hours, depending on the size and condition of the home. As a courtesy

to the buyers, you should not be present during the inspection. Depending on inspection re-

sults, you may be negotiating on repair issues with your buyers. As a seller, you may offer a

home warranty to alleviate some concerns the buyer may have.

At this time, we will negotiate the purchase contract terms. If the terms are acceptable to you and

the buyer, the contract is signed and becomes binding. If the original terms are not acceptable, you

may counter with terms or dates more favorable to you. Many offers are countered because of sales

price and/or closing date. Counter offers can continue through several revisions.

When terms are accepted by both you and your buyers, I will provide a copy of the executed con-

tract to you and your attorney and will keep you advised of the status of the buyers’ mortgage con-

tingency, if applicable.

Once an Offer is Accepted

Mortgage Contingency

If there is a mortgage contingency, the mortgage amount is indicated in the purchase agreement.

The buyer generally requests a period of 4 to 6 weeks for mortgage approval; this, too, is stipulated

in the purchase agreement. The mortgage company will arrange to have a licensed appraiser contact

me to perform an assessment of value on your home.. This generally takes place within two weeks of

the mortgage application.

Final Preparation of Sale

Once the mortgage contingency is fulfilled, there are a few details that need to be attended to.

(Please refer to your Seller’s Closing Checklist in this booklet.)

Walk-Through

Most buyers will complete a “final walk-through” and will personally inspect your home to see that it is

in the same condition as when they agreed to purchase it. If there were repairs to be made as a result

of the inspection, the buyers will want to ensure that they were done according to the contractual

agreement. The “final walk-through” is arranged through the real estate agents involved in the sale.

The date of closing was agreed upon during the negotiating period and is indicated in the contract.

The time of closing is usually determined within the last week of the closing date.

Working with an Attorney

Making an offer on a home should not be taken lightly. In addition to the care and advice of your

realtor, it is important that you seek legal representation from an attorney who specializes in real

estate law.

Purchase and Sale Agreement

As a condition to the Offer to Purchase, a date is given to execute a Purchase and Sale

Agreement. Your attorney should provide a draft P&S for the buyer and seller review. Each

attorney will make the appropriate addendums, protecting their respective clients.

Title Search

Required by all lenders, the title search is generally ordered by the attorney handling the closing

for the lender. The examination should reveal any encumbrances, rights of way, liens, easements,

restrictions or any other issues that may prohibit the transfer of title.

Consummation

Most closings take place either at the Registry of Deeds or at the closing attorney’s office.

The buyers, sellers and their respective attorneys meet to execute the final closing documents.

In some instances parties will have executed a Power of Attorney in

place of attending. Among the myriad of documents will be the

Deed, Mortgage and Loan, as well as the Closing Disclosure

(CD) The CD is a full accounting of the fees and costs inherent

in the sale and must be reviewed 3 days prior to the closing.

Going on Record

A final title exam is performed just prior to the recording of the documents to insure no last mi-

nute liens have been placed on the property. The pertinent documents are then recorded with

specific Book and Page numbers and the transfer of ownership becomes complete.

Massachusetts Estimated Closing Costs*

COSTS ON THE SALE OF A PROPERTY (Seller’s Responsibility)

State Stamp Tax $6.42 per $1,000 of sale price

Realtor’s Compensation 6% (varies)

Attorney’s Fee $500 and up (varies by region)

Real Estate Taxes Unpaid Amount

Mortgage Payoff (including equity lines) Unpaid Balance

Title V Inspection $400 and up (varies)

Title V System Engineering & Installation (if needed) Depends on size and type

Smoke and CO Certificate $50 for most towns

Home Warranty (optional) $450 and up (paid at closing)

Condominium Documents $100—$250

Please Note: This is a basic list of estimated closing costs for reference only; all costs should be

verified by the seller and can vary based on the town or service provider.

Seller’s Closing Checklist The following list is intended to give you an overview of your responsibilities. If you have

any questions or concerns, please do not hesitate to contact your attorney or me.

FINANCIAL IMPACT—Know your pay off and find out what the tax implications are to sell-

ing. If you are unsure, contact your accountant or a financial advisor.

MAKE APPROPRIATE REPAIRS/TOUCH-UP—Oil your hinges, cut the grass, and fix

damaged windows and screens, wash windows, touch-up paint and paper. Prepare your home

by neutralizing your décor. This gives potential buyers the ability to visualize themselves in the

home. Ask me about a “Space-Lift”.

DEED—Arrange to have your attorney draw a new deed or you can have the closing attorney

prepare a new deed for you.

EXPENSES—3 days prior to you will receive a closing disclosure showing all expenses.

TAXES—Unpaid taxes will be adjusted at the consummation on a per diem basis.

INSURANCE—Notify your insurance company of the impending sale. Leave yourself a week

or so leeway for canceling the policy in case of a delay in the closing date.

ELECTRIC COMPANY—About a week prior to the closing, terminate your account on the

day of consummation. Provide electric company with the name of the buyer and indicate that the

buyer will call to make arrangements.

GAS COMPANY—About one week before the closing, arrange to have the gas company ter-

minate your account on the day of consummation. Provide the gas company with the name of the

buyer/buyers and indicate that they will call to make arrangements.

WATER/SEWER—About a week prior to the closing, arrange to have the water department

take a final reading of the water meter and provide your listing agent and attorney with a copy

of the final bill stamped paid in full. Provide the water department with the name of the buyer/

buyers and indicate that they will call to make arrangements.

Seller’s Closing Checklist HOUSE KEYS, ETC.—Be sure to bring house keys, garage keys and/or automatic garage

door opener to the closing. Also, any other pertinent household information should be made

available to the buyer. It may be left at the property, i.e. instruction books, transferable guaran-

tees, warranties, etc.

CONDOMINIUMS ONLY—Two weeks prior to the closing, provide the bank attorney or list-

ing agent with a certificate from your condominium association indicating that no charges are

outstanding and, if applicable, provide a waiver of First Refusal. An insurance certificate is also

required. You will need a 6D Certificate.

INCOME PROPERTY ONLY—Bring to the consummation all existing leases, security depos-

its, prepaid rental income and any other information or documents that should be given to the

buyer.

CHANGE OF ADDRESS—Provide new address for the following:

Drivers License

Bank/Investment Accounts

Dog’s License

Credit Cards

Creditors

Insurance Companies (Life, Health, Auto and Home)

Subscriptions for Newspapers/Magazines

Post Office

Place of Employment

Doctors/Lawyers/Accountants/Financial Planners

Schools

Family and Friends

Clubs/Organizations

IRS

SCHOOL RECORDS WHEN APPLICABLE—Arrange for student’s records to be for-

warded to new schools.

CONTACT APPROPRIATE PROFESSIONALS—Protecting your interests in any trans-

action is imperative.

Moving Checklist

Decide what to move and what not to

move

Plan a Garage Sale

Obtain estimates from several moving

companies or truck rentals

Transfer your bank accounts

Submit Change of Address to Post

Office

Obtain school records to make trans-

fer easier

Request medical records from doctors

and dentists

Close out local charge accounts

Draw up a floor

plan for the mover

to identify where

boxes should go

and label boxes

accordingly.

Discontinue newspapers

Save the phone book for future

reference

Take all valuables, jewelry, im-

portant papers with you.

Pack an arrival kit with necessities

and medicines in case you arrive

before the mover

Save all moving related receipts

for tax purposes

Purchase moving insurance to cov-

er replacement cost

Ask for professional referrals from

your doctor and dentist

Arrange for temporary care of

your pets

812 Main Street

Osterville, MA 02655

Office: 508-428-3320 ~ Fax: 508-428-0875

William Raveis Charitable Fund

MISSION STATEMENT

The William Raveis Charitable Fund aims to support communities across the Northeast that are im-

pacted by cancer. Our focus is on the advancement of cancer research and programs that offer can-

cer patients and their families physical and emotional support during treatment. By engaging our

vast network across the Northeast, and raising funds, we can help programs and foundations with

likeminded goals.

HISTORY OF THE WILLIAM RAVEIS CHARITABLE FUND

The William Raveis Charitable Fund, Inc. has raised over $2.4 million since 2004, including more

than $2 million for the William Raveis Breast Cancer Fund, and supporting causes including: the

William Raveis-ASC Patient Navigator Program at the University of Connecticut Health Center in

Farmington, CT; the Patient Navigator Program at Beth Israel Deaconess Medical Center in Boston,

MA; the Hope Lodge in Boston, MA; Memorial Sloan-Kettering Cancer Center in Sleepy Hollow, NY.;

the Norma Pfriem Breast Care Center in Fairfield, CT; and the Sandy Hook Elementary Educational

Fund, in Newtown, CT.

PARTNERSHIP

In early 2015, the Charitable Fund partnered with the prestigious Damon Runyon Cancer Research

Foundation. Damon Runyon is an industry-leading organization that identifies the most brilliant and

passionate young cancer researchers, and provides them with funding to pursue their ideas in

search of innovative new ways to prevent, diagnose and treat all forms of cancer. Since 1946, Da-

mon Runyon has invested over $287 million in the best young minds in the nation.

Thank You for

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