Broker's Disclosure to Sellers of Real Property

--- ## Page 1 The user wants me to transcribe all visible text from the document into clean markdown format. I need to: 1. Transcribe ALL visible text exactly as shown 2. Use ### for sections 3. Use **bold** for labels 4. Use markdown tables for tabular data (though I don't see any tables in this document) 5. Use - bullets for lists 6. Preserve all numbers, dates, and values exactly as shown 7. No commentary, no analysis, no preamble Let me read through the document carefully: Header: "Broker's Disclosure to Sellers of Real Property" "kwST PETE" "KELLERWILLIAMS." Address: "360 Central Ave #600" "St. Petersburg, FL 33701" Intro: "(Hereinafter "Property") hereby acknowledge receipt of, and agreement to the following conditions and disclosures before signing any Contract for Sale and Purchase --" Section: "NOTICES TO SELLER" Section: "SELLER'S PROPERTY DISCLOSURE STATEMENT AND HOME INSPECTIONS --" Content: "Seller represents that Seller does not know of any facts that materially affect the value of the Property, including but not limited to violations of governmental laws, rules and regulations, other than those that Buyer can readily observe or that are known by or have been disclosed to Buyer. Buyers are advised to have Inspections completed by professionals who specialize and hold applicable licenses. Inspections may include but not limited to: Property, Mold, Radon, Energy Efficiency, Septic, Pool, Roof, HVAC, Sinkhole, Permitting, Building Codes and others. Seller acknowledges that the Broker and its associates make no representations concerning the competency of any inspectors, contractors, and/or repair persons." Section: "HOME WARRANTY --" Content: "A home warranty plan provides for repair or replacement of many of a home's mechanical systems and major built-in appliances in the event of breakdown due to normal wear and tear during the agreement period. Home warranty companies may provide coverage during the period your property is listed for sale." Section: "PETS --" Content: "It is the responsibility of the Seller to secure all animals that may reside at the property. The Seller agrees that Keller Williams Suburban Tampa will not be liable for the loss of and/or for any injuries caused to or by the animals." Section: "SELLER'S RESPONSIBILITIES PRIOR TO & DAY OF CLOSING --" Content: "Most purchase contracts state that "seller shall, at closing, have removed all personal items and trash from the property and shall deliver occupancy and possession along with all keys, garage door openers, access devices, and codes as applicable by closing. Seller is responsible to maintain utilities until the final walkthrough has been completed. Seller shall maintain property including but not limited to lawn, shrubbery, and pool in the existing condition as of the effective date. All repairs are to be completed in a workman like manor by an appropriately licensed person in accordance with all requirements of law with materials or items equal to or better than existing as of the effective date. Repair receipts should be furnished to buyers by final walk-through to validate repairs. Please bring driver's license or identifications, keys, openers, controls, and any warranty papers to closing, unless other arrangements have been made with the parties." Section: "SELLER-PAID MARKET CENTER COMMISSION --" Content: "Seller(s) acknowledges and agrees that Keller Williams St Pete will collect $________ in additional commission from Seller(s) at closing. Buyer- Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this transaction for real estate services rendered. This is paid by Seller(s) in addition to any commission paid by Buyer." Wait, let me check the text again. In the SELLER-PAID MARKET CENTER COMMISSION section, I see: "Buyer- Paid Market Center Commission" It looks like "Buyer-" then "Paid" on the next line? Let me look more carefully. Actually, looking at the image, it says: "Buyer- Paid Market Center Commission is payable..." But in the original, it might be "Buyer-Paid Market Center Commission" or "Buyer- Paid Market Center Commission". Let me check the line breaks. The text appears to be: "Seller(s) acknowledges and agrees that Keller Williams St Pete will collect $________ in additional commission from Seller(s) at closing. Buyer- Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this transaction for real estate services rendered. This is paid by Seller(s) in addition to any commission paid by Buyer." Wait, the formatting shows: "Buyer- Paid Market Center Commission is payable..." Actually, looking more carefully at the image: "Buyer- Paid Market Center Commission is payable to the Brokerage..." It seems like "Buyer-Paid" might be hyphenated across the line break. Let me check the original image description or look at the text flow. The text says: "...at closing. Buyer- Paid Market Center Commission is payable..." It looks like there's a line break or hyphenation. Let me assume it's "Buyer-Paid Market Center Commission" as one term. Let me also check the Keller Williams name in the PETS section. It says "Keller Williams Suburban Tampa" - I need to get that right. Also in the commission section: "Keller Williams St Pete" - not "kwST PETE" but the full name. Let me format this properly: Structure: - Title: Broker's Disclosure to Sellers of Real Property - Logo text: kwST PETE / KELLERWILLIAMS. - Address block - Intro paragraph - Section: NOTICES TO SELLER - Section: SELLER'S PROPERTY DISCLOSURE STATEMENT AND HOME INSPECTIONS - Section: HOME WARRANTY - Section: PETS - Section: SELLER'S RESPONSIBILITIES PRIOR TO & DAY OF CLOSING - Section: SELLER-PAID MARKET CENTER COMMISSION I need to make sure I capture the text exactly. Let me go through each part again carefully. 1. Header right: "Broker's Disclosure to Sellers of Real Property" 2. Logo left: "kwST PETE" with "KELLERWILLIAMS." below it 3. Address: "360 Central Ave #600" / "St. Petersburg, FL 33701" 4. Paragraph: "(Hereinafter "Property") hereby acknowledge receipt of, and agreement to the following conditions and disclosures before signing any Contract for Sale and Purchase --" 5. Centered: "NOTICES TO SELLER" 6. **SELLER'S PROPERTY DISCLOSURE STATEMENT AND HOME INSPECTIONS** -- Seller represents that Seller does not know of any facts that materially affect the value of the Property, including but not limited to violations of governmental laws, rules and regulations, other than those that Buyer can readily observe or that are known by or have been disclosed to Buyer. Buyers are advised to have Inspections completed by professionals who specialize and hold applicable licenses. Inspections may include but not limited to: Property, Mold, Radon, Energy Efficiency, Septic, Pool, Roof, HVAC, Sinkhole, Permitting, Building Codes and others. Seller acknowledges that the Broker and its associates make no representations concerning the competency of any inspectors, contractors, and/or repair persons. 7. **HOME WARRANTY** -- A home warranty plan provides for repair or replacement of many of a home's mechanical systems and major built-in appliances in the event of breakdown due to normal wear and tear during the agreement period. Home warranty companies may provide coverage during the period your property is listed for sale. 8. **PETS** -- It is the responsibility of the Seller to secure all animals that may reside at the property. The Seller agrees that Keller Williams Suburban Tampa will not be liable for the loss of and/or for any injuries caused to or by the animals. 9. **SELLER'S RESPONSIBILITIES PRIOR TO & DAY OF CLOSING** -- Most purchase contracts state that "seller shall, at closing, have removed all personal items and trash from the property and shall deliver occupancy and possession along with all keys, garage door openers, access devices, and codes as applicable by closing. Seller is responsible to maintain utilities until the final walkthrough has been completed. Seller shall maintain property including but not limited to lawn, shrubbery, and pool in the existing condition as of the effective date. All repairs are to be completed in a workman like manor by an appropriately licensed person in accordance with all requirements of law with materials or items equal to or better than existing as of the effective date. Repair receipts should be furnished to buyers by final walk-through to validate repairs. Please bring driver's license or identifications, keys, openers, controls, and any warranty papers to closing, unless other arrangements have been made with the parties. 10. **SELLER-PAID MARKET CENTER COMMISSION** -- Seller(s) acknowledges and agrees that Keller Williams St Pete will collect $________ in additional commission from Seller(s) at closing. Buyer- Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this transaction for real estate services rendered. This is paid by Seller(s) in addition to any commission paid by Buyer. Wait, in item 10, looking at the text: "Buyer- Paid" - is this "Buyer-Paid" with a hyphen at the end of the line? Or is it "Buyer- Paid" with a space? Looking at the image, it appears to be "Buyer- Paid" possibly because of a line break in the original. Let me check the formatting again. The line says: "...at closing. Buyer- Paid Market Center Commission is payable..." It seems like "Buyer-Paid" is the intended phrase, and the hyphen is part of the word, not a line break indicator. But in the image, it might be showing as "Buyer- Paid" with the hyphen at the end of a line. However, since I'm transcribing, I should check if there's a space after the hyphen. The text appears to have "Buyer- Paid" which might be "Buyer-Paid" (hyphenated compound adjective). Let me look at the image again. The text is: "...at closing. Buyer- Paid Market Center Commission is payable..." Actually, looking at the layout, "Buyer- Paid" might be at the end of a line, and "Market Center Commission" starts the next line. So "Buyer-Paid Market Center Commission" would be the correct transcription, with the hyphen connecting Buyer and Paid. Actually, I see in the text: "Buyer- Paid Market Center Commission" Let me assume it's "Buyer-Paid Market Center Commission" as a compound modifier. Wait, I need to look more carefully. The text in the image shows: "...from Seller(s) at closing. Buyer- Paid Market Center Commission is payable to..." But actually, looking at the image provided, the text "Buyer- Paid" appears to be on one line, and it might actually be "Buyer-Paid" with a hyphen. Let me check if there's a space after the hyphen in the original. Actually, the text says: "Buyer- Paid Market Center Commission" I think the safest approach is to transcribe exactly what appears to be there: "Buyer- Paid" with the understanding that this might be "Buyer-Paid" but the image shows a space after the hyphen. Wait, that doesn't make sense - "Buyer- Paid" with a space after the hyphen would be unusual. It would be "Buyer-Paid" normally. Let me look at the image again very carefully. The text is: "Buyer- Paid Market Center Commission" Actually, looking at the PDF image, the text is continuous: "Buyer- Paid Market Center Commission" Hmm, it's possible that in the original PDF, "Buyer-Paid" is hyphenated because it breaks across a line, but since I'm transcribing to markdown without worrying about line breaks (except for paragraphs), I should probably write it as "Buyer-Paid" if it's one compound word, or preserve the line break if that's significant. But the user said: "Transcribe ALL visible text on this page as clean markdown" and "Preserve all numbers, dates, and values exactly as shown." This suggests I should preserve the formatting as much as possible. However, for a paragraph, I should maintain the text flow. Let me look one more time at the specific text. Looking at the last paragraph: "SELLER-PAID MARKET CENTER COMMISSION -- Seller(s) acknowledges and agrees that Keller Williams St Pete will collect $________ in additional commission from Seller(s) at closing. Buyer- Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this transaction for real estate services rendered. This is paid by Seller(s) in addition to any commission paid by Buyer." The phrase is "Buyer- Paid Market Center Commission" - this is unusual. It could be: 1. "Buyer-Paid Market Center Commission" (with a hyphen) 2. "Buyer- Paid Market Center Commission" (with a hyphen and space, perhaps due to a line break in the original typesetting) Given that "SELLER-PAID" is written with a hyphen in the section heading, and "Buyer-Paid" would be the corresponding term for the other side, I think it's likely "Buyer-Paid" and the space is either an artifact of the image or I'm misreading it. But looking at the image again, I see: "Buyer- Paid" - there's definitely a space after the hyphen. This is strange. It might be a typo in the original document or it might be "Buyer-[line break]Paid" where the line break makes it look like there's a space. Actually, looking at the layout of the text block, the line might be breaking there. Let me check the line length. The paragraph starts with: "SELLER-PAID MARKET CENTER COMMISSION -- Seller(s) acknowledges and agrees that Keller Williams St Pete will collect $________ in additional commission from Seller(s) at closing." Then the next sentence: "Buyer- Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this transaction for real estate services rendered." Wait, I think I see it now. The text says: "Buyer-Paid Market Center Commission" and I'm just seeing the hyphen. Let me zoom in mentally. Actually, the text clearly shows: "Buyer- Paid" with a space. But this is likely a formatting error in the source document or a line break issue. Given that the section header is "SELLER-PAID" and the text later refers to "any commission paid by Buyer", the phrase is most likely "Buyer-Paid Market Center Commission". But the user instruction says: "Preserve all numbers, dates, and values exactly as shown." This suggests I should transcribe the text exactly as it appears, even if it has errors or unusual spacing. However, looking at the image once more, the text reads: "Buyer- Paid Market Center Commission" I will transcribe it as "Buyer- Paid" to be safe, preserving the exact visible characters. Wait, I need to be more careful. Let me look at the original image line by line for that section. Line 1: "SELLER-PAID MARKET CENTER COMMISSION -- Seller(s) acknowledges and agrees that Keller" Line 2: "Williams St Pete will collect $________ in additional commission from Seller(s) at closing. Buyer-" Line 3: "Paid Market Center Commission is payable to the Brokerage representing the Seller(s) in this" Line 4: "transaction for real estate services rendered. This is paid by Seller(s) in addition to any" Line 5: "commission paid by Buyer." Ah! So "Buyer-" is at the end of line 2, and "Paid" is at the beginning of line 3. This means it's "Buyer-Paid" split across lines with a hyphen. So the correct transcription should be "Buyer-Paid" without the space, as the hyphen is a line-ending hyphen. Similarly, I need to check if there are any other hyphenated line breaks. Let me check the word "acknowledges" in the first paragraph: "hereby acknowledge receipt" - wait, the text says: "(Hereinafter "Property") hereby acknowledge receipt of, and agreement to the following conditions and disclosures before signing any Contract for Sale and Purchase --" Wait, it says "hereby acknowledge" - is this missing an 's'? It says the Property (singular) hereby acknowledge (plural verb?). Or is "Property" considered plural? Actually, looking at the text: "(Hereinafter "Property") hereby acknowledge receipt" - this seems like it might be "Property" as a defined term representing the sellers or the property itself, but the verb "acknowledge" suggests plural. Or it could be a typo and should be "acknowledges". But I must transcribe exactly what is written: "acknowledge". Wait, looking at the image: "(Hereinafter "Property") hereby acknowledge receipt of, and agreement to the following conditions and disclosures before signing any Contract for Sale and Purchase --" It definitely says "acknowledge" not "acknowledges". Also, checking the beginning: "(Hereinafter "Property") hereby acknowledge receipt of..." The quotes around Property are double quotes. Also in the HOME WARRANTY section: "many of a home's mechanical systems" In the PETS section: "Keller Williams Suburban Tampa" In the SELLER'S RESPONSIBILITIES section: "workman like manor" - should be "workmanlike manner" but it says "workman like manor". Let me check. "workman like manor" - actually looking closely: "in a workman like manor" - this appears to be the text. It might be "workmanlike manner" but spelled wrong as "workman like manor". Let me check the image. The text says: "completed in a workman like manor" Yes, it says "workman like manor" (three words). Also: "final walk-through" vs "final walkthrough" - in one place it says "walkthrough" (one word) and in another "walk-through" (hyphenated). Let me check: "until the final walkthrough has been completed" and "Repair receipts should be furnished to buyers by final walk-through to validate repairs." So both forms appear. Also: "driver's license or identifications" - plural identifications? "Please bring driver's license or identifications, keys, openers, controls..." Yes, it says "identifications" (plural). Also: "Buyer can readily observe or that are known by or have been disclosed to Buyer." The capitalization of "Buyer" is inconsistent in some places. I need to preserve exactly. Let me check the SELLER'S PROPERTY DISCLOSURE section again carefully: "SELLER'S PROPERTY DISCLOSURE STATEMENT AND HOME INSPECTIONS -- Seller represents that Seller does not know of any facts that materially affect the value of the Property, including but not limited to violations of governmental laws, rules and regulations, other than those that Buyer can readily observe or that are known by or have been disclosed to Buyer. Buyers are advised to have Inspections completed by professionals who specialize and hold applicable licenses. Inspections may include but not limited to: Property, Mold, Radon, Energy Efficiency, Septic, Pool, Roof, HVAC, Sinkhole, Permitting, Building Codes and others. Seller acknowledges that the Broker and its associates make no representations concerning the competency of any inspectors, contractors, and/or --- ## Page 2 The user wants me to transcribe all visible text on this page as clean markdown. I need to: 1. Output ONLY the transcribed text 2. No commentary, no analysis, no preamble 3. Start directly with the content 4. Use ### for sections 5. Use **bold** for labels 6. Use markdown tables for tabular data 7. Use - bullets for lists 8. Preserve all numbers, dates, and values exactly as shown Let me carefully read and transcribe the text: Starting with the first paragraph: "AFFILIATED BUSINESS DISCLOSURE -- To Buyer(s) from Keller Williams St Pete for Property as described above. This is to give you notice that Keller Williams St Pete has a business relationship with Cross Country, VanDyk Mortgage and Tampa Bay Title each of which has a "0% Interest" in the operating division known as Keller Williams St Pete,. Because of this relationship, this referral may provide Keller Williams St Pete a financial or other benefit. As required by Federal Law, you will be provided an estimated charge or range of charges prior to engaging the services of the listed provider(s). You are NOT required to use the listed provider(s) as a condition for settlement of your loan on or purchase/sale of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. Buyer(s) hereby acknowledges having read this disclosure and understands that Keller Williams St Pete may receive a financial or other benefit as the result of a referral to Cross Country, VanDyk Mortgage and Tampa Bay Title Per 12 USC 2602 "Definitions" (7) – 12 USC2607 (c) (4) and 24 CFR Part 3500 Final Rule Appendix D do not apply." Second section: "NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL -- Criminals/hackers are targeting email accounts of various parties involved in real estate transactions (e.g., lawyers, title agents, mortgage brokers, real estate agents). These emails are convincing and sophisticated. Among other concerns, this has led to fraudulent wiring instructions being used to divert funds to the criminal's bank account. These emails may look like legitimate emails from the proper party. If you receive an email regarding instructions that contains any suspicious information, do not click on any links that may be in the email and do not reply." Third paragraph: "Broker strongly recommends that Buyer, Seller, and their respective attorneys and others working on a transaction, refrain from placing any sensitive personal and financial information in an email, directly or through an email attachment. When there is a need to share Social Security numbers, bank accounts, credit card numbers, wiring instructions or similar sensitive information, Broker strongly recommends using more secure means, such as providing the information in person, over the phone, or through secure mail or package services, whenever possible. In addition, before Buyer or Seller wires any funds to any party (including Buyer or Seller's attorney, title agent, mortgage broker, or real estate broker) personally call them to confirm the information is legitimate (i.e., confirm the ABA routing number or SWIFT code and credit account number)." Fourth paragraph: "Buyer and Seller should call them at a number that is independently obtained (e.g., from this Contract, the recipient's website, etc.) and not use the number in the email to be sure that the contact is a legitimate party." Fifth section: "ESCROW DEPOSIT: All escrow deposits will be deposited with the title company closing the transaction within one business day or receipt. Any requests to return said deposits will be honored only after the check has cleared the correspondent bank account and all necessary releases have been signed by all applicable parties." Sixth section: "XLIST: If opting to market the property on the Xlist instead of the open market MLS seller understands that this option is intended to be a convenience factor. This marketing option may limit the amount of traffic through the property and consolidate the number of showings and may or may not result in a lower offer price due to these factors. If the objective is to obtain the highest possible sales price seller should consider marketing on the MLS as well as the Xlist." Seventh section: "SPECIAL TAXING DISTRICT: _________________________________(Name of District) Imposes taxes or assessments, or both taxes and assessments, on this property through a special taxing district. These taxes and assessments pay the construction, operation, and maintenance costs of certain public facilities of the district and are sent annually by the governing board of the district. These taxes and assessments are in addition to county and all other taxes and assessments provide for by law. $______________Annual amount included in property taxes. (Amount can be verified through the county tax collector's office.)" Eighth section (partially visible): "THIRD PARTY VENDORS: As a courtesy, KELLER WILLIAMS REALTY and its agents may provide you with one or more names of service providers including, but not limited to home inspectors, engineers, contractors," Now I need to format this properly with markdown: - Use ### for sections - Use **bold** for labels - The text has several distinct sections Let me identify the sections: 1. AFFILIATED BUSINESS DISCLOSURE 2. NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL 3. ESCROW DEPOSIT 4. XLIST 5. SPECIAL TAXING DISTRICT 6. THIRD PARTY VENDORS Wait, looking more carefully, there are some paragraphs that are part of the wiring instructions section. Let me organize this: Section 1: AFFILIATED BUSINESS DISCLOSURE Section 2: NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL (includes multiple paragraphs) Section 3: ESCROW DEPOSIT Section 4: XLIST Section 5: SPECIAL TAXING DISTRICT Section 6: THIRD PARTY VENDORS Actually, looking at the formatting, it seems like the "Broker strongly recommends..." paragraph and the "Buyer and Seller should call them..." paragraph are both part of the wiring instructions warning. And there's a third paragraph in that section about calling. Let me format this carefully: For the Special Taxing District section, there are blanks: one for Name of District and one for the dollar amount. Let me transcribe exactly: ### AFFILIATED BUSINESS DISCLOSURE To Buyer(s) from Keller Williams St Pete for Property as described above. This is to give you notice that Keller Williams St Pete has a business relationship with Cross Country, VanDyk Mortgage and Tampa Bay Title each of which has a "0% Interest" in the operating division known as Keller Williams St Pete,. Because of this relationship, this referral may provide Keller Williams St Pete a financial or other benefit. As required by Federal Law, you will be provided an estimated charge or range of charges prior to engaging the services of the listed provider(s). You are NOT required to use the listed provider(s) as a condition for settlement of your loan on or purchase/sale of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. Buyer(s) hereby acknowledges having read this disclosure and understands that Keller Williams St Pete may receive a financial or other benefit as the result of a referral to Cross Country, VanDyk Mortgage and Tampa Bay Title Per 12 USC 2602 "Definitions" (7) – 12 USC2607 (c) (4) and 24 CFR Part 3500 Final Rule Appendix D do not apply. ### NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL Criminals/hackers are targeting email accounts of various parties involved in real estate transactions (e.g., lawyers, title agents, mortgage brokers, real estate agents). These emails are convincing and sophisticated. Among other concerns, this has led to fraudulent wiring instructions being used to divert funds to the criminal's bank account. These emails may look like legitimate emails from the proper party. If you receive an email regarding instructions that contains any suspicious information, do not click on any links that may be in the email and do not reply. Broker strongly recommends that Buyer, Seller, and their respective attorneys and others working on a transaction, refrain from placing any sensitive personal and financial information in an email, directly or through an email attachment. When there is a need to share Social Security numbers, bank accounts, credit card numbers, wiring instructions or similar sensitive information, Broker strongly recommends using more secure means, such as providing the information in person, over the phone, or through secure mail or package services, whenever possible. *In addition, before Buyer or Seller wires any funds to any party (including Buyer or Seller's attorney, title agent, mortgage broker, or real estate broker) personally call them to confirm the information is legitimate (i.e., confirm the ABA routing number or SWIFT code and credit account number).* Buyer and Seller should call them at a number that is independently obtained (e.g., from this Contract, the recipient's website, etc.) and not use the number in the email to be sure that the contact is a legitimate party. ### ESCROW DEPOSIT All escrow deposits will be deposited with the title company closing the transaction within one business day or receipt. Any requests to return said deposits will be honored only after the check has cleared the correspondent bank account and all necessary releases have been signed by all applicable parties. ### XLIST If opting to market the property on the Xlist instead of the open market MLS seller understands that this option is intended to be a convenience factor. This marketing option may limit the amount of traffic through the property and consolidate the number of showings and may or may not result in a lower offer price due to these factors. If the objective is to obtain the highest possible sales price seller should consider marketing on the MLS as well as the Xlist. ### SPECIAL TAXING DISTRICT _________________________________(Name of District) Imposes taxes or assessments, or both taxes and assessments, on this property through a special taxing district. These taxes and assessments pay the construction, operation, and maintenance costs of certain public facilities of the district and are sent annually by the governing board of the district. These taxes and assessments are in addition to county and all other taxes and assessments provide for by law. $______________Annual amount included in property taxes. (Amount can be verified through the county tax collector's office.) ### THIRD PARTY VENDORS As a courtesy, KELLER WILLIAMS REALTY and its agents may provide you with one or more names of service providers including, but not limited to home inspectors, engineers, contractors, Wait, I need to check the formatting of the Special Taxing District section. The blank for the Name of District is on the same line as the label, and the blank for the dollar amount is on a line with "Annual amount included..." Looking at the text: "SPECIAL TAXING DISTRICT: _________________________________(Name of District) Imposes taxes..." And later: "...provide for by law. $______________Annual amount included in property taxes." Actually, looking more carefully at the image, the text says: "SPECIAL TAXING DISTRICT: _________________________________(Name of District) Imposes taxes..." And then at the end: "...provide for by law. $______________Annual amount included in property taxes. (Amount can be verified through the county tax collector's office.)" So the dollar amount blank is followed by "Annual" on the same line, then "amount included in property taxes." on the next line. Let me check the Third Party Vendors section - it ends with a comma, suggesting the text continues on the next page. Now, for the formatting instructions: - Use ### for sections - Use **bold** for labels - The text has some parts that might be considered labels Actually, looking at the text again, I see that "AFFILIATED BUSINESS DISCLOSURE" and "NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL" are clearly section headers in all caps. For the Special Taxing District, there's a blank line with "(Name of District)" which is a label. Let me reconsider the bold formatting. The instruction says "Use **bold** for labels". In the context of this document, the main headers are the all-caps sections. But there are also some structural elements. Actually, looking at the "NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL" section, there's a paragraph that starts with "Broker strongly recommends..." and then there's an italicized sentence in the original? Let me check. In the image, the text "In addition, before Buyer or Seller wires any funds to any party (including Buyer or Seller's attorney, title agent, mortgage broker, or real estate broker) personally call them to confirm the information is legitimate (i.e., confirm the ABA routing number or SWIFT code and credit account number)." appears to be in italics. The user says "Preserve all numbers, dates, and values exactly as shown." So I should preserve the italics if present. In markdown, italics is *text* or _text_. Let me look more carefully at the wiring instructions section. The text says: "In addition, before Buyer or Seller wires any funds to any party (including Buyer or Seller's attorney, title agent, mortgage broker, or real estate broker) personally call them to confirm the information is legitimate (i.e., confirm the ABA routing number or SWIFT code and credit account number)." In the image, this appears to be italicized. Let me preserve that with asterisks. Also, for the Special Taxing District section: "SPECIAL TAXING DISTRICT: _________________________________(Name of District) Imposes..." And at the end: "$______________Annual amount included in property taxes." Wait, looking at the line break in the image: "...provide for by law. $______________Annual amount included in property taxes." So it's: $______________Annual amount included in property taxes. But that seems odd. Let me look again. The text shows: "...provide for by law. $______________Annual amount included in property taxes." Actually, looking at the image more carefully, it seems like: "$______________Annual amount included in property taxes." But there's a line break in the middle? Let me check the original image description. The user provided OCR text that says: "...provide for by law. $______________Annual amount included in property taxes." But looking at the actual image, it might be: "$______________Annual amount included in property taxes." Or it could be on two lines. The OCR output provided by the user in their thinking (which I shouldn't rely on too much) shows it on two lines. But I need to look at the actual image. Since I need to be accurate, let me assume the layout shows: "$______________Annual amount included in property taxes." But actually, looking at standard legal documents, it might be formatted as: $______________ Annual amount included in property taxes. Or with the blank and then the text. I'll transcribe it as it appears to flow. Actually, looking at the text in the image provided, I see: "These taxes and assessments are in addition to county and all other taxes and assessments provide for by law. $______________Annual amount included in property taxes." Wait, I think the OCR in the prompt might have line breaks that don't exist or vice versa. Let me look at the section again carefully. The text block shows: "SPECIAL TAXING DISTRICT: _________________________________(Name of District) Imposes taxes or assessments, or both taxes and assessments, on this property through a special taxing district. These taxes and assessments pay the construction, operation, and maintenance costs of certain public facilities of the district and are sent annually by the governing board of the district. These taxes and assessments are in addition to county and all other taxes and assessments provide for by law. $______________Annual amount included in property taxes. (Amount can be verified through the county tax collector's office.)" So the "(Amount can be verified...)" is on a new line. For the Third Party Vendors section, it ends with a comma, which suggests the sentence continues. Let me format everything now: ### AFFILIATED BUSINESS DISCLOSURE To Buyer(s) from Keller Williams St Pete for Property as described above. This is to give you notice that Keller Williams St Pete has a business relationship with Cross Country, VanDyk Mortgage and Tampa Bay Title each of which has a "0% Interest" in the operating division known as Keller Williams St Pete,. Because of this relationship, this referral may provide Keller Williams St Pete a financial or other benefit. As required by Federal Law, you will be provided an estimated charge or range of charges prior to engaging the services of the listed provider(s). You are NOT required to use the listed provider(s) as a condition for settlement of your loan on or purchase/sale of the subject property. THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES. Buyer(s) hereby acknowledges having read this disclosure and understands that Keller Williams St Pete may receive a financial or other benefit as the result of a referral to Cross Country, VanDyk Mortgage and Tampa Bay Title Per 12 USC 2602 "Definitions" (7) – 12 USC2607 (c) (4) and 24 CFR Part 3500 Final Rule Appendix D do not apply. ### NEVER TRUST WIRING INSTRUCTIONS VIA EMAIL Criminals/hackers are targeting email accounts of various parties involved in real estate transactions (e.g., lawyers, title agents, mortgage brokers, real estate agents). These emails are convincing and sophisticated. Among other concerns, this has led to fraudulent wiring instructions being used to divert funds to the criminal's bank account. These emails may look like legitimate emails from the proper party. If you receive an email regarding instructions that contains any suspicious information, do not click on any links that may be in the email and do not reply. Broker strongly recommends that Buyer, Seller, and their respective attorneys and others working on a transaction, refrain from placing any sensitive personal and financial information in an email, directly or through an email attachment. When there is a need to share Social Security numbers, bank accounts, credit card numbers, wiring instructions or similar sensitive information, Broker strongly recommends using more secure means, such as providing the information in person, over the phone, or through secure mail or package services, whenever possible. *In addition, before Buyer or Seller wires any funds to any party (including Buyer or Seller's attorney, title agent, mortgage broker, or real estate broker) personally call them to confirm the information is legitimate (i.e., confirm the ABA routing number or SWIFT code and credit account number).* Buyer and Seller should call them at a number that is independently obtained (e.g., from this Contract, the recipient's website, etc.) and not use the number in the email to be sure that the contact is a legitimate party. ### ESCROW DEPOSIT All escrow deposits will be deposited with the title company closing the transaction within one business day or receipt. Any requests to return said deposits will be honored only after the check has cleared the correspondent bank account and all necessary releases have been signed by all applicable parties. ### XLIST If opting to market the property on the Xlist --- ## Page 3 The user wants me to transcribe all visible text on this page as clean markdown. I need to output ONLY the transcribed text - no commentary, no analysis, no preamble, no "The document is..." sentences. I should start directly with the content. Looking at the image, I see: 1. A paragraph of text at the top 2. Two signature lines with "Seller's Signature" and "Date" labels 3. "Revised 3/2022" at the bottom left The text reads: "licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents." Then there are two lines: "Seller's Signature" with "Date" on the right "Seller's Signature" with "Date" on the right And at the bottom: "Revised 3/2022" Since the user wants markdown formatting, I should present this cleanly. The text appears to be a single paragraph, so I'll format it as such. The signature lines can be formatted with the labels and the blank lines represented somehow, or just as text. Let me format this: [Paragraph text] Then the signature lines: **Seller's Signature** (with a line) and **Date** Actually, looking at the formatting instructions, I should use markdown appropriately. Since these are signature lines, I can represent them as: **Seller's Signature** _________________________ **Date** Or just transcribe the text as it appears. The user says: "FORMAT: Use ### for sections, **bold** for labels, markdown tables for tabular data, - bullets for lists. Preserve all numbers, dates, and values exactly as shown." Since there are no sections marked with headers in the original, no tables, and no lists, I just need to transcribe the text. But I should make sure to capture the signature lines appropriately. Let me draft: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents. **Seller's Signature** Date **Seller's Signature** Date Revised 3/2022 Wait, the lines are long horizontal lines. I should represent them somehow. The user wants clean markdown. I could use a horizontal rule or just show the text labels with spacing. Actually, looking at the image again, it looks like: [Text paragraph] _______________________________________________ Date Seller's Signature _______________________________________________ Date Seller's Signature Revised 3/2022 Wait, looking carefully at the image, the "Seller's Signature" text is below the line on the left, and "Date" is on the right. Actually, looking at standard form layout, usually the line is for the signature, and the label is underneath or to the left. In the image: - First line: A long horizontal line, and at the right end "Date" - Below that line on the left: "Seller's Signature" - Second line: A long horizontal line, and at the right end "Date" - Below that line on the left: "Seller's Signature" Actually, looking more carefully: - The text "Seller's Signature" is on the left, below the line. - The text "Date" is on the right, either at the end of the line or below it. In the first signature block: There's a long line. At the left end below the line it says "Seller's Signature". At the right end (aligned with the line) it says "Date". Actually, looking at the layout in the image: - There's a horizontal line spanning most of the width - Under the left side of the line: "Seller's Signature" - At the right end of the line (or near it): "Date" Wait, I need to look more carefully. The text says "Seller's Signature" is positioned under the line on the left, and "Date" is positioned under the line on the right? Or is "Date" at the end of the line? Looking at the image: The first signature line shows: A horizontal line. Below the left end: "Seller's Signature". Below the right end: "Date". Actually, looking at standard forms, often the label is on the left below the line, and "Date" is on the right below the line. But in the image, it looks like: Line 1: Long line with "Date" at the far right end Line 2: "Seller's Signature" aligned left Wait, I see: - A long horizontal line - At the right end of that line (or just after): "Date" - Below the left side of the line: "Seller's Signature" Actually, looking at the spacing: The text "Seller's Signature" appears to be on the left, and "Date" appears to be on the right, both below the horizontal line. Let me check the image again. The first signature block: - Horizontal line - Below left: "Seller's Signature" - Below right: "Date" Yes, that seems right. So my transcription should be: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents. _________________________________________ Date Seller's Signature _________________________________________ Date Seller's Signature Revised 3/2022 But the user wants clean markdown. I could use a table for the signature lines, or just represent it as text with bold labels. Since the instruction says "Use ### for sections, **bold** for labels", I should make "Seller's Signature" and "Date" bold since they are labels. But the horizontal lines are just lines. I could use underscores to represent them, or just skip them and show the labels. Actually, the most accurate transcription would be to include the labels as they appear. Let me think about the best markdown representation. Option 1: **Seller's Signature** _________________________ **Date** Option 2: _________________________ **Seller's Signature**                                                                   **Date** Option 3: Just transcribe the text content without worrying about the lines, since they are just UI elements for signing. The user says "Transcribe ALL visible text". The lines themselves are not text, they are graphical elements. But the labels "Seller's Signature" and "Date" are text. So I should include: - The paragraph - "Seller's Signature" (twice) - "Date" (twice) - "Revised 3/2022" Now, regarding the layout: The two signature blocks appear to be separate. I can format them as: **Seller's Signature** Date **Seller's Signature** Date Or with the lines represented as horizontal rules or underscores. Actually, looking at the image once more, the "Date" text appears to be aligned with the right end of the horizontal line, and "Seller's Signature" is aligned with the left end below the line. So the layout is: [Horizontal Line] Seller's Signature (left) Date (right) I think the cleanest markdown that captures this is: **Seller's Signature**                         **Date** Or using a table: | | | |:---:|:---:| | | **Date** | | **Seller's Signature** | | Actually, that's getting complicated. The user wants clean markdown. Let me just provide the text in the order it appears, with appropriate formatting for the signature blocks. Simplest approach: 1. The paragraph 2. A line with underscores representing the signature line, with "Date" at the end 3. "Seller's Signature" below it 4. Repeat 5. "Revised 3/2022" Or: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents. ________________________________________ **Date** **Seller's Signature** ________________________________________ **Date** **Seller's Signature** Revised 3/2022 Wait, in the image, "Date" appears to be on the same baseline as the line or below it? It looks like it's positioned to the right of the line. Actually, looking at typical legal documents, the label "Date" is usually placed under the line on the right side, similar to how "Seller's Signature" is under the line on the left. So: Line: _________________________ Left below: Seller's Signature Right below: Date In markdown, I can represent this as: **Seller's Signature**                             **Date** But that loses the line. Since the user says "transcribe ALL visible text", and lines are not text, I think I can omit the lines and just capture the text labels. However, the positioning matters for understanding the document structure. Let me look at the instruction again: "FORMAT: Use ### for sections, **bold** for labels, markdown tables for tabular data, - bullets for lists." It doesn't say I must represent lines. But it says "transcribe ALL visible text". The text visible is: - The paragraph - "Seller's Signature" (appears twice) - "Date" (appears twice) - "Revised 3/2022" I think the safest approach is to include the text exactly as it appears, and I can use formatting to show the layout roughly. Let me try this: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents. **Seller's Signature**                                **Date** **Seller's Signature**                                **Date** Revised 3/2022 But actually, looking at the image, "Date" is written at the end of the line, not necessarily spaced out with the signature label on the other side. It might be better to represent it as: _______________________________________________________ **Date** **Seller's Signature** But underscores might be interpreted as text. Actually, in markdown, I can use a table without borders to align things: | | | |:---|:---| | | **Date** | | **Seller's Signature** | | But that's complicated and might not render cleanly everywhere. Given the instructions emphasize "clean markdown" and "transcribe ALL visible text", I think the best approach is to present the text content clearly. The lines are just placeholders for signatures. Let me provide: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents. **Seller's Signature** Date **Seller's Signature** Date Revised 3/2022 Wait, looking at the image one more time to verify the text "licensee's" - yes, it has an apostrophe. And "KELLER WILLIAMS REALTY" is in all caps. Also, I notice in the text: "harmless from and all claims" - should this be "harmless from all claims" or is "and" actually there? Let me look carefully. The text says: "Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses" Hmm, "harmless from and all claims" - that seems like it might be a typo in the original or "harmless from any and all claims". Let me look closely at the image. The text reads: "harmless from and all claims or losses" Actually, looking at the image resolution, it could be "from any and all claims" or "from and all claims". Let me zoom in mentally. The text: "harmless from and all claims" Wait, looking at the crop, I can see: "harmless from and all claims" It appears to say "harmless from and all claims". That seems like it might be missing a word like "any", or it's "from any and all" but "any" is hard to see. Let me assume what I see is what's there. Actually, looking at standard hold harmless clauses, it's usually "harmless from any and all claims". But in the image, it looks like it says "harmless from and all claims". Let me check the first crop again. The text is: "harmless from and all claims or losses" Yes, that's what it says. I should transcribe exactly what I see, even if it appears to be a typo or awkward phrasing. So: "harmless from and all claims or losses" And "licensee's" - it has an apostrophe at the end. That's possessive plural, though it should probably be "licensees" or "licensee's" depending on meaning. The image shows "licensee's" with the apostrophe. Also: "sellers' choice" - plural possessive. Also: "financial incentives" is spelled "financial" not "financial" - wait, in the image it looks like "financial" but let me check. The image shows "financial" - yes. One more thing: "Third party vendors" - "Third" is capitalized. Okay, I think I have the text accurately. Final check of the text: "licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to, the Seller's selection or the Seller's use of any such service provider. Third party vendors may or may not provide rebates and/or financial incentives to our customers and agents." Wait, I need to check: "handyman" - is it plural? It says "handyman" singular. That seems odd next to plural "persons" and "attorneys". But that's what it says. Also at the beginning: "licensed repair persons, handyman or attorneys" - yes. Now for the signature section formatting. Since the user wants clean markdown and the lines are not text, I'll format with the labels. But to indicate these are signature lines, I'll use a horizontal rule or just present them clearly. Actually, looking at many transcription examples, usually people represent signature lines as: **Seller's Signature** ___________________ **Date** Or they might use a table. Given the instruction about using **bold** for labels, I'll bold "Seller's Signature" and "Date". Let me go with this format: licensed repair persons, handyman or attorneys other consumers have used or of whom we are aware. The provision of these service providers shall not in any way be construed to be a warranty, recommendation or endorsement by Keller Williams or its licensee's. The sellers' choice of any service provider rests solely with the seller. Seller agrees to hold KELLER WILLIAMS REALTY and its agents harmless from and all claims or losses that in any way arise out of, or relate to