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Winter 2014

Convention & EXPO recap 2014 REALTOR® Institute offerings 2014 Legislative priorities

Special 2013 highlights issue RE LEADER WINTER 2014_LAY1 1/3/14 10:40 AM Page 2

Thank you! Thank you to 2013 Legislative & Regulatory Affairs: Standard Forms Committee: Chair: Janice Shows, Madison Chair: Kristyn Davis, Columbus MAR Committee Vice Chair: Andrea Cummins, Oxford Vice Chair: Dorothy Thompson, Jackson Chairs and Professional Development: Grassroots Political Involvement Committee: Vice Chairs for a job Chair: Brenda Estes, Tupelo Chair: Norma Cother, Tupelo well done Vice Chair: Michele Johnston, Hernando Vice Chair: Carol Stewart, Canton Member Services & Technology: MARPAC Trustees: Chair: Jeanelle Marshall, Madison Chair: Sue Stedman, Natchez Vice Chair: Stephanie McConnell, Diamondhead Vice Chair: Ernie Clark, Brookhaven

Association Operations: AE Forum: Chair: David Griffith, Cleveland Chair: Linda Allgood, Oxford Vice Chair: Cathy Feltenstein, Meridian Vice Chair: Betty Oltremari, Meridian

Professional Standards Committee: Chair: Lee Garland, Brandon Vice Chair: Michael Davis, Columbus

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Real Estate LEADER is the official publication of the Mississippi REALTORS®. The quarterly magazine provides Mississippi real estate Winter 2014 professionals with timely information on trends and best practices, tools and resources for professional development, and news about features: departments: innovative business and community leaders. Cover Story: 4 President’s Perspective Editor 4 Word on the Street Beth Hansen 18 [email protected] 2014 MAR President Janice Shows shares why 5 Legal Ease Managing Editor “It’s Time”” 6 Headliners Kathy Whitfield 6 Association News [email protected] 10 7 Capitol Watch Graphic Designer 8 Course of Your Career Steve Nowak The 2013 MAR Convention & EXPO in pictures [email protected] 21 For the Tech of IT Photographer 12 22 MARPAC Gib Ford ® 31 Referral Ads Gil Ford Photography 2013 MAR REALTOR achievements & recognition

REALTOR® Editorial Board 21 Jeanelle Marshall, Chair, Madison Stephanie McConnell, Vice Chair, Bay St. Louis How to make sure 2014 is free of computer viruses Linda Allgood, AE Liaison, Oxford Chris Adcock, Staff Liaison, Jackson Barry Clemmer, Jackson Paula Clifford, Ocean Springs Dottie Collins, Greenville Shirley Curry, Tupelo Ashley Endris, Gulfport Damion Flynn, Saucier Greg Gillespie, Tupelo Tony Greer, Clinton Melissa Horst, Madison Debbie Ivy, Clinton Selena Lovejoy, Brandon On the cover: Michael McCreary, Corinth MAR President Janice Shows gives Deborah McGhee, Biloxi insight into why “It’s Time” for pro- Melanie Mitchell, Starkville fessionalism and education for ® Carla Palmer-Allen, Ridgeland Mississippi REALTORS . J. Mark Tucker, Laurel

Real Estate LEADER does not establish due diligence on authors and advertisers and cannot guarantee that their writings or claims are correct or suitable. Views and advertising contained in Real Estate LEADER are not nec- essarily endorsed by the Mississippi REALTORS®. The Stay updated on MAR’s latest information contained within should not be construed as a recommendation for any course of action regarding news and events. Visit us on: financial, legal or accounting matters by the Mississippi REALTORS®, Real Estate LEADER or its authors.

Mississippi REALTORS® PO Box 321000 Jackson, MS 39232-1000 facebook.com/msrealtors Tel: 601-932-5241 Toll-free: 800-747-1103 Fax: 601-932-0382 Web: www.msrealtors.org E-mail: [email protected] twitter.com/msrealtors

youtube.com

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ith the beginning of each New Year, we all resolve to improve ourselves, to undo bad habits and to set goals in both our professional and personal lives. I am so excited to begin the year as your 2014 MAR President Wand look forward to traveling across the state and meeting with our members. William Penn once said that “Time is what we want most, but what we use worst”. My theme for 2014 is “It’s Time!” and it is my desire to lead Mississippi REALTORS® to focus on the importance of education and professionalism. I believe that Mississippi REALTORS® are all focused on making 2014 their most successful year yet, and with the help of the 2014 MAR Executive Committee, I am committed to service and hard work in order to positively impact our industry and association this year. On page 18 of this issue, I share with Real Estate Leader my thoughts on how our focus on being better prepared real estate practitioners begins right now. Also in this issue we take a glimpse back to the 2013 MAR Convention at the Beau Rivage in Biloxi to highlight the achievements of our committee chairs and co-chairs, MARPAC contributors and others. These leaders have helped shape our association through their hard work and commitment, producing a strong association for our membership. This issue of Real Estate LEADER is not only intended to spotlight our members for their accomplishments President’s throughout 2013, but also to give a glimpse of an exciting 2014. In this issue, you’ll find a preview of upcoming leg- Perspective islative priorities, educational opportunities, upcoming events and new affinity programs designed just for you. As in years past, our legislative success has been directly tied to the involvement of REALTORS® through their MARPAC contributions as well as their involvement in both calls to action and a united voice at the state capitol. Mark your cal- endars now to be a part of REALTOR® Day at the Capitol on February 6, 2014. It is my desire that MAR members feel comfortable in calling on me, members of your MAR leadership team or the MAR staff throughout the year. We are anxious to serve you in any way we can to help make this a banner year for the real estate profession. It’s Time!

Sincerely,

Janice Shows President

NAR launches new health care awareness initiative “REALTORS® welcome the announcement from the Federal NAR recently launched a new health care awareness initiative Housing Finance Agency that the current limits on conforming that brings information and knowledge to members in an easy loans will remain in effect until further notice. As the leading and accessible way. A new health insurance topic page has been voice for homeownership, NAR opposes lowering the ceiling on created on REALTOR.org (www.realtor.org/topics/health-insur- loans eligible for backing by the government-sponsored enter- ance) featuring: prises. Lower loan limits would increase costs for consumers • articles and reduce their access to conventional mortgages. • info graphics • link to the Affordable Care Act website “In September, when reports surfaced that FHFA Acting Director ® • link to the REALTORS Insurance Marketplace, a REALTOR Edward DeMarco was considering using conservator authority ® Benefits program supported by partner SASid (Smart and to lower loan limits, NAR cautioned that such an experiment Simple Insurance Development) would jeopardize homeownership for many creditworthy buyers, especially first-time home buyers who are often less likely to Go to www.msrealtors.org/PDF/healthcaresheet.pdf for a Fact meet the 20 percent minimum down payment requirement. Sheet outlining the health insurance awareness initiative and its benefits to members. For questions please contact those listed in “There is already enough turbulence in the regulatory environ- the "Contact Information" section of the Fact Sheet. ment for mortgage lending. In January 2014, many changes stemming from the Dodd-Frank Act will go into effect, including ® REALTORS Applaud DeMarco for Leaving the ability-to-repay requirement. In addition, risk retention reg- Government-Sponsored Enterprise (GSE) Loan ulations remain in flux, including the definition of a Qualified Limits As Is Residential Mortgage. Lowering loan limits at this time would ® National Association of REALTORS President Steve Brown create even more confusion and uncertainty, and we would run recently applauded the Federal Housing Finance Agency (FHFA) the risk of reversing the progress that’s been made in the eco- for leaving the loan limits of government-sponsored enterprises nomic recovery.” as is.

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LEGAL EASE

Keep an Eye on Risk in 2014 Ron Farris, Esq., MAR General Counsel

is the season when prudent Mississippi REAL- agreements to be in writing, properly identifying the terms TORS® are wrapping up 2013 and planning for and conditions under which the buyer will rely on the bro- T2014. The best planning session includes a ker for the purchase of real estate, including the sales price, careful and comprehensive review of risk aversion the consideration to be paid, the signatures of the parties to practices and current trends in risk unique to the agreement and a definite date of expiration. MAR’s licensees. Buyer Agency Contract (Standard Form F8), as recently Agency issues remain the top-ranked concern of revised, provides one tool to REALTORS® seeking to proper- REALTORS® across the nation, according to the 2013 ly initiate representation of a buyer. Legal Scan published by the National Association of REALTORS® will also want to familiarize themselves with REALTORS®. Over a third of REALTORS® responding the new 3.8 percent tax adopted in 2010 as part of the fed- to NAR’s annual risk survey reported moderate to eral overhaul of health care that goes into effect on January higher levels of disputes involving agency, with dual 1, 2014. The new tax does not apply to every real estate agency, fiduciary duty and buyer representation lead- transaction and is fairly complicated. REALTORS® are ing the list of trouble areas. encouraged to familiarize themselves with the new tax and Nearly 80 percent of REALTORS® surveyed identi- how it may affect their clients in covered real estate transac- fied fiduciary duty as one of the top future issues, tions. NAR has published and made available on its website while nearly a third agreed that there is a significant (www.realtor.org) an informational brochure and helpful need for more training. 2012 saw a nearly 30 per- FAQs explaining the tax along with various scenarios and cent increase over 2011 in reported cases involving examples. Visit www.ksefocus.com/billdatabase/client- fiduciary duty, according to NAR. Many believe that licensees are widely files/172/4/1609.pdf for more information. unaware of their duties under common law, statutes or regulations both during transactions and after they are closed. Others perceive that too many licensees are giving in to the temptation to put their own interests above Ron Farris, Esq. is General Counsel to the Mississippi those of the consumers they serve – seeking to get to closing and get a com- Association of REALTORS®, and available to Association mission. Still others see misconceptions among consumers of what they may members through the Legal HotLine. For non-HotLine expect from their REALTOR® and the propensity of lawyers to add breach of matters, he can be reached at Farris Law Group, P. O. Box fiduciary duties counts to complaints in order to trigger E&O coverage as 1458, Madison, MS 39130-1458, or by email: ron@farris- growing problems. lawgroup.net. Dual agency remains a high risk concern among Legal Scan respondents, with more than 63 percent seeing a moderate or higher need for training. A considerable percentage of the survey participants object to dual agency simply on the basis of principle, while others perceive that REALTORS® not understanding dual agency end up embarking on “unintended representation.” MREC Rule E, the MREC “Working With A Real Estate Broker” form and MREC’s “Dual Agency Confirmation” form cover Mississippi’s requirements for disclosure of agency relationships in detail, including the duty licensees have to fully inform consumers of the nature of the agency relation- ship. MREC Rule E. 2(f) stresses that “Brokers who practice disclosed dual MAR’s Legal Hotline offers free and agency should do so with the utmost caution to protect consumers and them- confidential legal information relevant to selves from inadvertent violation of demanding common law standards of broad-based real estate practices and disclosed dual agency.” applications, including MAR Standard Forms Buyer representation was a third risk factor identified by NAR where and Contracts, to MAR members, and is available Monday through many believe there is a significant need for more training. Concerns includ- Friday, 8:00 a.m. – 5:00 p.m. Messages are retrieved each day at 3:00 ed a lack of understanding by licensees of their responsibilities when repre- PM and will be returned the following business day. senting buyers. MREC Rule B. 3 requires all exclusive buyer representation

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Gwen James receives prestigious HUB award designations. She is co-owner and President of Coldwell Banker Don Nace Hattiesburg REALTOR® Gwen James was recently one of Realty. only two recipients honored with the prestigious Hub Award during a gala dinner at the Hattiesburg Country PRBR Association Executive Tracy McKay featured in USM Club. The honor was established in 1979 and was award- publication ed to Gwen for her outstanding contributions to the com- Pearl River Board of REALTORS® AE Tracy James munity, commitment to excellence and dedication to pub- McKay and her daughter Amanda McKay were lic service. recently featured in an article in the University of Southern Mississippi's publication Contributions honoring the recipients will be placed in the Hub Award Southern Miss Now. The article featured the Endowment at the Greater Pine Belt Community Foundation to benefit stu- mother and daughter who both graduated dents attending The University of Southern Mississippi and William Carey McKay from USM on December 13, 2013 with University. Since 1979, the Hub Award has generated scholarship funds degrees in tourism management. To read the article in its entirety go to totaling over half-million dollars and has benefited more than 400 students. www.usm.edu/news/article/mother-daughter-graduate-together-southern- miss.. James has been a REALTOR® for 38 years and holds the GRI, CRB and CNS

ASSOCIATION NEWS

Brinda Boutwell retires from REALTOR® Institute Brinda Boutwell, REALTOR® Institute Course Manager and MAR Receptionist retired as Mississippi REALTOR® Institute Course Manager on December 13th. For almost 10 years, Brinda managed the daily real estate school operations which included all classroom and online edu- Boutwell cation, instructor coordination and course scheduling. Allison Morris assumes MRI Course Manager position Allison Morris, who previously served on the MAR staff as Executive and Sales Assistant began her duties as REAL- TOR® Institute Course Manager on December 16th. Allison brings a background in customer service, small- business and non-profit experience to the position. Morris Amanda Griffin joins MAR staff Amanda Griffin recently joined the MAR staff as Executive and Sales Assistant. Amanda will be providing support in the areas of administrative, sales and marketing assis- tance as well as event-planning.

Griffin

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CAPITOL WATCH

UPDATE ON LEGISLATIVE ISSUES IMPORTANT TO YOUR BUSINESS

by Derek Easley 2014 MAR Legislative Priorities he Mississippi Association of REALTORS® Board of Directors and the • Eliminating The 5% Tax On The Gross Proceeds Or The Gain Legislative and Regulatory Affairs Committee have approved the follow- Realized By An Out-Of-State Seller To An In-state Buyer – Doing Ting issues as legislative priorities for the 2014 Legislative Session. away with or amending the code section which requires the buyer of real prop- MAR serves as the voice of real estate in Mississippi by continuously work- erty owned by a nonresident to withhold a portion of the amount realized by ing side-by-side with state legislators to foster pro-REALTOR®, pro-business the seller on the sale when the sale is not considered an exchange or trade of and pro-homebuyer legislation. Throughout the session, watch your e-mail for property and results in gross proceeds greater than $100,000. legislative updates and occasional calls-to-action where REALTORS® will be asked to contact their representatives to personally encourage them to support • Appointment of all School Superintendents – Requires the appoint- the REALTORS® position on key issues. ment, rather than election, of all local school superintendents by their local school boards, unless voters in a county have voted to retain the office of elect- Legislative Priorities for 2014: ed superintendent. At the expiration of the term of any county superintendent of education elected in the November 2011 general election, the superintend- • Trespassing Act – MAR supports legislation stating that a landowner does ent of said county shall not be elected but shall thereafter be subject to not owe any responsibility to a trespasser who is injured on their property. appointment by the local school board. A county-wide referendum on the This legislation would help codify the case law concerning land possessors’ question of retaining the office of elected superintendent will be held if at any duty of care regarding trespassers. Homeowners, companies, factories time prior to January 1, 2015, a petition for referendum is filed and signed by and farmers may all be at risk of liability for activities inherently out of not less than 20% or 1,500, whichever is less, of registered voters in a county, their control. excluding municipal separate school district boundaries.

• Premise Liability Legislation – MAR supports legislation setting guide- • Amending the Charter School Bill – MAR will support legislation lines for court cases where a third party causes injury to someone at a busi- deemed by the Legislative & Regulatory Affairs Committee to improve the ness. Charter School Legislation supported by MAR during the 2013 Legislative Session. • Commercial Broker Lien Law – MAR supports legislation that allows for a commercial real estate broker to obtain and foreclose upon a lien as a • Changes to REALTOR® License Law – MAR will work with the legal remedy against a property if the buyer/seller or lessee/lessor fails to pay Mississippi Real Estate Commission prior to the 2014 Session to discuss poten- the broker the agreed upon commission/fee. tial amendments to Real Estate License Law that would benefit the profession and the general public. • Implement A Financial Literacy Curriculum For Public Schools – This would create a financial literacy agenda that will implement related curriculum into Mississippi schools (grades 10-12). The program includes instruction in the areas of personal business finance. This will include topics Derek Easley is MAR’s Governmental Affairs Director. such as financial decision0-making, earning an income, saving and spending, Email him at [email protected]. use of credit and budgeting. Financial literacy is currently an elective in Mississippi high schools. Presently Mississippi law states that schools MAY teach their students financial literacy. The bill proposed would state that schools SHALL teach the curriculum.

My REALTOR® Party is designed to leverage our association’s best asset – our grassroots. REALTORS® do so much more than list and sell property. They are community builders dedicated to improving their towns, cities, states and America. They do this because it’s good for the economic and social well-being of all citizens. They do this because it’s good for business. To ensure that each and every REALTOR® Association has the opportunity to implement a successful community or political outreach initiative in 2014, NAR is supplying a wide range of services and tools. All are available to order free of charge.

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FOR THE COURSE OF YOUR CAREER

BY JOHN PHILLIPS

Commercial Real Estate 101

ew real estate licensees are often advised to try many different dis- better hope does not have any problems in the future. It would be very dif- ciplines of real estate to determine which specialty they like best. ficult to convince a judge or a disciplinary hearing panel that you were NThis should, of course, be done under the supervision of their bro- exercising reasonable care and expertise to protect the interests of your ker or an expert in the specialty in which they are practicing. Once the client when you didn’t understand the terms and conditions you are writ- agent finds the type of real estate they enjoy, they should become the best ing into a contract form. they can be in that field. Agents know that they have achieved success when There are several ways to learn how to do transactions correctly in unfa- their name is automatically associated with their chosen field of endeavor. miliar real estate disciplines. One way is to get an expert in that field of real Any real estate licensee who has been in the business for a while knows estate to walk you through enough of those kinds of transactions until you that real estate is fraught with endless opportunities to get in trouble. The develop the skills you need to do them yourself. Another way to learn new real estate license law, rules and regulations of the real estate commission, skills is the same way you learned your basic skills. There are almost antitrust, fair housing, do-not-call, asbestos, lead-based paint and under- unlimited sources of online and classroom education in just about any real ground storage tanks are just a few of the concerns. When an agent choos- estate discipline. Some are, of course, better than others. First of all, you es a specialty and becomes well-versed in that specialty, they can reduce will need to be sure why you want the education. Do you want to special- their exposure and liability by knowing the dangers associated with what ize in commercial real estate or do you want to remain in residential real they do and taking precautions to avoid predictable problems. estate and rarely do a commercial transaction? If you intend for commer- Unfortunately, because of the need to survive in a bad economy or a cial real estate to be your core business, there are several great courses desire to increase their income, many agents step outside their area of available from the National Association of REALTORS®. I can highly recom- expertise to engage in a field of real estate in which they have little or no mend the CCIM designation courses which prepares you for commercial experience or skill. and development projects. If you just want to obtain the necessary infor- Licensed real estate professionals are expected to have more knowledge mation to practice safe commercial transactions from time to time, the of real estate and a real estate transaction than the consumers with whom Mississippi REALTOR® Institute’s new course COMMERCIAL REAL ESTATE they work. The common law of agency carries with it the fiduciary duty of 101 might be the course for you. exercising reasonable care, skill and expertise required of agents to pro- COMMERCIAL REAL ESTATE 101 is designed to teach commercial defi- tect the interests of their clients. Article 11 of the REALTOR® Code of Ethics nitions and terminology, introduces the P&L (profit and loss) Statement, states that the services REALTORS® provide to their clients and customers the APOD (annual property operating data), financial calculators and other shall conform to the standards of practice which are reasonably expected tools. The student will get a basic understanding of what investors want in the specific real estate disciples in which they engage. and how to determine market value and return on investment. The course Most real estate licensees settle into the practice of listing and selling sin- will remove the confusion associated with rent vs. buy, value of cash flows, gle-family residential real estate, and some agents become very good at it NOI (net operating income, cap rate, GRM (gross rent multiplier), capital and make lots of income from it. From time to time, residential agents gains, depreciation, 1031 exchanges and sale/leaseback. have an opportunity presented to them to engage in a commercial transac- This 4-hour continuing education class is available at any local board in tion in which the sales price and the commercial commission rate make the state and at any real estate company in which the broker is a REAL- the deal so attractive that they just can’t turn it down. Many do so at their TOR®. The information presented in the class can also be used by individ- peril. There are a number of items in a commercial transaction that are ual real estate licensees in their own investments. considered standard, normal and necessary that are often unfamiliar to If you want this class in your area or at your company, ask your local residential agents. board Association Executive or your broker to book it. You can find this Several years ago, one of my residential salespeople called me at home and other classes offered by MRI at realtorinstitute.org. to tell me that she had written an offer for a developer on a large parcel of commercial acreage. After I congratulated her on her achievement, she went on to say that the purchaser had requested for her to put in the offer a due diligence period of 180 days. She then asked me what due diligence John Phillips, a Hall of Fame inductee and Past President of MAR, is was. It should be noted that if you write something into a legal contract the Vice President of Professional Development for the Mississippi that you can’t define and don’t understand, this is a transaction that you REALTOR® Institute. E-mail him at [email protected].

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Mississippi REALTOR® Institute 2014 schedule

SALESPERSON PRE-LICENSE GRI I (SALESPERSON POST-LICENSE) GRI II (BROKER A) Jackson Jan. 10 - 31 (Weekend) Jackson Jan. 27 - 30 Jackson Feb. 10 - 14 Jackson Feb. 17 - 27 (Day) Jackson July 21 - 24 Jackson June 2 - 6 Jackson Mar. 21 - Apr. 11 (Weekend) Jackson Oct. 20 - 23 Jackson Aug. 18 - 22 Jackson April 14 - May 12 (Night) Jackson June 16 - 26 (Day) BROKER POST-LICENSE GRI III (BROKER B) Jackson July 25 - Aug. 15 (Weekend) Jackson April 7 - 10 Jackson Mar. 17 - 21 Jackson Sept. 22 - Oct. 2 (Day) Jackson July 28 - 31 Jackson July 7 - 11 Jackson Oct. 17 - Nov. 7 (Weekend) Jackson Dec. 15 - 18 Jackson Nov. 10 - 14 STATE EXAM REVIEW GRI II & GRI III (60 HOUR BROKER PRE-LICENSING) Jackson January 26 (Weekend) Jackson Februaray 26 (Day) MRI will teach any class offered at any board location or individual Jackson April 6 (Weekend) broker office by request. Jackson May 7 - 8 (Night) Jackson June 25 (Day) Additional Pre- and Post-License courses are being scheduled for Jackson August 10 (Weekend) other parts of the state. Please visit realtorinstitute.org for an updated Jackson October 1 (Day) list of available courses. Jackson November 2 (Weekend)

Continuing Education Schedule

Agency, License & Contract Law Concepts, Forms & Disclosures January 15, 2014 9A-6P Jackson *Electives (TBD) January 16, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures March 12, 2014 9A-6P Jackson *Electives (TBD) March 13, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures May 21, 2014 9A-6P Jackson *Electives (TBD) May 22, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures July 9, 2014 9A-6P Jackson *Electives (TBD) July 10, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures September 17, 2014 9A-6P Jackson *Electives (TBD) September 18, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures November 18, 2014 9A-6P Jackson *Electives (TBD) November 19, 2014 9A-6P Jackson

Agency, License & Contract Law Concepts, Forms & Disclosures December 10, 2014 9A-6P Jackson *Electives (TBD) December 11, 2014 9A-6P Jackson

Military Relocation Professional Certification Core Course December 4, 2013 9A-6P Columbus Military Relocation Professional Certification Core Course January 9, 2014 9A-6P Jackson Military Relocation Professional Certification Core Course February 13, 2014 9A-6P Hattiesburg Military Relocation Professional Certification Core Course February 21, 2014 9A-6P Meridian www.realtorinstitute.org Check the website for up-to-date information as classes are added frequently.

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A pictorial review of MAR’s 2013 Convention & EXPO in Biloxi

The 2014 MAR Executive Committee were sworn in at the Installation Gala at the Beau Rivage in Biloxi. Levi McRaney of Greenville did a little business between classes.

MAR CEO Beth Hansen presented 2013 MAR President Ken The enthusiastic Ocean Springs High School cheer- Austin with a stunning watercolor of the Pass Christian har- leaders kicked off the General Membership Meeting. bor by Gulf Coast artist Sherry Phillips Carlson as a momen- to of his 2013 Presidency.

Mississippi House District 118 Representative Greg Haney of Gulfport, Mississippi House District 114 Representative Jeff Guice of Ocean Springs and The Mississippi Real Estate Commission commissioners Kenny Parcell, 2013 NAR Liaison for REALTOR® Gulfport Mayor Billy Hewes held a Mississippi Real Estate License Law forum provid- Party Member Involvement addressed the members helped open the General ing 2 hours of required License Law continuing education. in attendance at the General Membership meeting. Membership meeting.

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MAR Vice President of Professional Development John Janice Shows of Madison was installed as 2014 MAR Phillips visited with keynote speaker Terry Watson. President by 2009 MAR President Lynette Praytor.

2014 NAR President Elect Chris Polychron of Arkansas addressed the Board of Directors meeting. Alice Smith of Madison won the drawing for the Apple Macbook Air given away by the Veterans Janice Guckert of Jackson and Seth Touchstone of Home Purchase Board as well as the phone given Jayess caught up between sessions. away by MAR sponsor C Spire.

2014 MAR President Janice Shows is pictured with family and co-workers from Mississippi REALTORS® danced to the sounds of Meet the Press at ERA Real Estate Professionals in Ridgeland. the Installation Gala.

A convention Welcome Booth was provided by the Biloxi- The EXPO was one of MAR’s largest due to Ocean Springs and Gulf Coast Associations of REALTORS®. generous vendors and sponsors.

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Mississippi REALTORS® take the stage at MAR’s 2013 Convention & EXPO to honor their achievements

Harry J. Joachim honored during Hall of Fame recognition

Established in 1994, the Hall of Fame honors Mississippi REALTORS® who have made extraordinary and distin- guished contributions to the real estate profession in Mississippi over a period of at least 20 years. There was no 2013 inductee to the MAR Hall of Fame, but a special presentation was made to honor Harry J. Joachim who passed away on November 21, 2012. Harry J. Joachim served the REALTOR® family in Mississippi for several decades and was also a proud US Army Air Corp veteran, and spent many years championing the U.S. Military. Upon his death, a Harry J. Joachim Real Estate Education Fund was set up at the request of his family, and MAR received contributions in his memory. During the summer of 2013, NAR launched a new certification program, the Military Relocation Professional, offering special training and valuable instruction on how to best counsel U.S. service members and their families to find housing and financing solutions that best suit their needs. It was announced during the MAR Convention General Membership Meeting and Awards Ceremony that the Mississippi REALTOR® Institute, along with the Harry J. Joachim Real Estate Education Fund would be offering a Road Show featuring the Military Relocation Professional course.

Glass honored as 2013 MAR REALTOR® of the Year

Karen Glass of Gulfport was recognized as MAR’s 2013 REALTOR® of the Year. Glass is a graduate of LeadershipMAR and served as President of the Gulf Coast Association of REALTORS® in 2012. She has served the state association on the Board of Directors and on various committees. She has served on an NAR committee and is a Sterling R.

Glass

Hollister and Wilson receive President’s Award

Lisa Hollister of Ocean Springs and Chris Wilson of Laurel were recognized by 2013 MAR President Ken Austin as co-recipients of the President’s Award, honored for their contribution to his presidency. During 2013, Hollister and Wilson traveled across the state, visiting as many local boards as possible to promote the importance of MARPAC and the election of REALTOR®-friendly candidates. Hollister and Wilson specifically stressed the importance of fair share contributions by Mississippi REALTORS® and worked diligently to help achieve a 51 percent statewide fair share participation level.

Hollister Wilson

Carlton chosen as REALTOR® Institute Instructor of the Year

Lonnie Carlton of Clinton was named the 2013 Mississippi REALTOR® Institute Instructor of the Year. Carlton was chosen by having the highest instructor evaluations from his students for the year. The award was presented by 2013 Professional Development Committee Chair, Brenda Estes.

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Three inducted into MARPAC Hall of Fame

Three Mississippi REALTORS® were inducted into the MARPAC Hall of Fame for their contribution of over 10 thousand dollars to MARPAC. The inductees were Ric Corts of Hattiesburg, Cathy Feltenstein of Meridian and Melanie Mitchell of Starkville.

Corts Feltenstein Mitchell

Affiliates of the year recognized for their support

MAR members annually recognize affiliates from across the state who go above and beyond the call of duty in assisting REALTORS® by their service, sponsorship and political involvement in the real estate industry. Margaret Peel of M & F Bank in Tupelo, Harry Piascik with Community Bank in Gulfport and Sinnana Jones of Deep South Title in Hattiesburg were selected as Regional Affiliates of the Year. Peel Jones Chan Vessell of First American Home Buyers Protection in Piascik Vessell Jackson was selected as the 2013 Mississippi Affiliate of the Year.

LeadershipMAR class of 2013 graduates

After completing a year-long curriculum of retreats, team-building activities, spokesperson training, personality profiling and a class project producing a short video promoting the new Mississippi REALTORS® branding campaign and it’s tagline “Property Professionals–Community Champions,” the ten members of the 2013 LeadershipMAR class took the stage to graduate during the MAR Convention in Biloxi. Deborah Tierce of Tupelo served as their spokesman at the graduation recognition, presenting a speech on their behalf. Members of the LMAR class are Barrilleaux, Madison; Carole Davis, Ridgeland; Kathy Elias, Gulfport; Greg Gillespie, Tupelo; Summer Inman, Ocean Springs; Darian Pierce, Hattiesburg; Michele Rumbley, Madison; Debbie Stovall, Summit; Deborah Tierce, Tupelo and Lynn Wade, Ocean Springs.

Under 40 Award winners announced

This year the MAR Board of Directors voted to establish a new award, the Under 40 Award. Up to four REAL- TORS® under 40 years of age may be honored each year for their excellence, professionalism and extraordinary contributions to Mississippi REALTORS® at the local and state level. The 2013 recipients of the Under 40 Award that were recognized Carkeet at the MAR Convention Awards Hall Endris Webb Ceremony were Leigh Ann Carkeet of Southaven, Ashley Endris of Gulfport, Megan Hall of Pelahatchie and Wesley Webb of Tupelo.

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Many thanks to our 2013 MAR Convention Sponsors and Exhibitors whose generous support makes our convention possible.

Diamond Sponsorship

Emerald Sponsorship Sapphire Sponsorship

Ruby Sponsorship Veterans Home Purchase Board

Other Event Sponsors Breakfast in the Expo Lunch in the Expo Lunch in the Expo Cyber Café Keynote Speaker Computers Massage Booth

Local Board Management Conference Leadership Dinner

Installation Gala

American Mortgage Service C Spire Business Solutions EXIT Realty D.R. Horton, America's Builder MDEQ--Lead Southern Ag Credit Pro Card Mobile MS Valley Title Insurance PrimeLending Bonded Builders Warranty Cutco Cutlery/Closing Gifts Jonathan's Jewels PrimeLending Trustmark SEI/Navica MLS NOLA Lending Group Hope Federal Credit Union MS Home Corporation Kahn, Swick and Foti, LLC FBT Mortgage MCAR/Catylist Office Depot Mass Mutual Mississippi Britt Kennedy Signs Fairway Mortgage Home Warranty of America BancorpSouth Adams Homes, LLC 1st American Home Buyers MDEQ Resource BancorpSouth SouthGroup/TelaMedPlus Protection Regions Tennessee Valley Signs Cornerstone Home Lending On the Move, Inc. Regions House Call Home Inspection Veterans Home Purchase Board The Home Lending Group Supra Blake Publishing Pillar to Post Home Inspection Ernie Chaffin Allstate

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Local Board REALTORS® of the Year

Biloxi Ocean Springs Greenwood Laurel Northeast MS Meg Dengler Sonny Bowie Karen Rasberry Sue Golman

Cleveland Grenada MCAR Northwest MS Mary Taylor Jackson Bonnie Hankins William F. Hankins Robert E. Leigh

Four County Gulf Coast Meridian Pearl River County Diane Ables Karen Glass Margaret Nelms Taylor Mike Hindman

Southwest MS Golden Triangle Hattiesburg Natchez Seth Touchstone Kristyn Davis Barbara Sellers Barbara J. Winkworth

Vicksburg Greenville Jackson North Central MS Andrea Upchurch Ray Millwood Megan Hall Betty Wiseman

Land REALTOR® Wesley Webb

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Mississippi REALTORS® receive 2014 NAR Committee Appointments

Congratulations to these Mississippi REALTORS® who were appointed to 2014 NAR Committees

Ken Austin Professional Standards Committee Nancy Lane Research Committee Andrea Cummins Housing Opportunity Committee Nancy Lane Reserves Investment Advisory Board Larry Edwards RPAC Trustees Federal Disbursement Committee Bob Leigh Broker Involvement Council Lee Garland Multiple Listing Issues and Policies Committee Stephanie Palmer Cummins Young Professionals Judy Glenn Legal Action Committee Network Advisory Board David Griffith Real Property Valuation Committee Joe Parker Commercial Committee Megan Hall Federal Financing & Housing Policy Committee Lynette Praytor Risk Management Committee Beth Hansen AEC-RCE Certification Advisory Board Cynthia Pritchard Professional Standards Committee Beth Hansen Board of Directors Ellen Short REALTOR® Party Member Involvement Beth Hansen Leadership Academy Advisory Group Committee Lisa Hollister RPAC Participation Council Janice Shows Board of Directors Cynthia Joachim Chair, Meeting and Conference Committee Janice Shows Membership Policy & Board Jurisdiction Martin Jones Multiple Listing Issues & Policies Committee Committee Bruce Kammer Board of Directors Dorothy Thompson Diversity Committee Bruce Kammer Multiple Listing Issues & Policies Committee Noggin Wild Business Issues Policy Committee Jesse Lane Business Issues Policy Committee Noggin Wild Real Property Valuation Committee Nancy Lane Board of Directors Chris Wilson RPAC Major Investor Council Nancy Lane Commercial Committee Chris Wilson RPAC Trustees Fundraising Committee Nancy Lane Vice Chair, Commercial Economic Issues & Trends Forum

2014 MAR Leadership Team

President Treasurer Janice Shows, Ridgeland David Griffith, Cleveland

President-Elect Immediate Past President Andrea Inman Cummins,Oxford Ken Austin, Pass Christian

First Vice President/Southern District VP Member-At-Large Ex-Officio Lisa Hollister, Ocean Springs Bob Leigh, Hernando

Central District Vice-President Dorothy Thompson, Jackson Federal Political Coordinators (FPC) District 1, Alan Nunnelee–Tony Jones Northern District VP District 2, Bennie Thompson–Carla Palmer-Allen Kris Davis, Columbus District 3, Gregg Harper–Russell Wilcox District 4, Steven Palazzo–Andy Stetelman Senator Roger Wicker–Ellen Short Senator Thad Cochran–Larry Edwards

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MAR Hall of Fame

REALTOR® Hall of Fame Members

1994 1997 2003 2008 *Hugh C. Bailey, Sr., Jackson Cecil Cost, Clinton *Wallace Neal, Southaven John Dean, Leland *James A. Brewer, Senatobia Clarence A. Wilkinson, Pascagoula *W. P. Bridges, Sr., Jackson 1998 2009 *Edith D. Dantagnan, Gulfport *Randall Craft, Jackson 2004 Cynthia Joachim, Biloxi *Lavelle M. Dragula, Hattiesburg Don Grantham, Hattiesburg Brenda Berg, Montgomery, AL George Gilmore, Jackson Thomas Gregg, Jackson Sonja Dunaway, Jackson 2010 *Harry J. Joachim, Biloxi David Stevens, Clinton *John H. McArthur, Hattiesburg 1999 2005 *Elaine H. Nix, Jackson Mark Cumbest, Pascagoula Sue Gallaspy, Hattiesburg 2011 *Nelda B. Parrish, Corinth Jim Conerly, Jackson *Simon A. Rosenbaum, Meridian 2000 2006 James W. Underwood, Jackson John Phillips, Gulfport Carlene Alfonso, Gulfport 2012 Tommy Morgan, Tupelo Jerry Brewer, Senatobia 1995 2001 Bob Ridgway, Jackson *H.C. Ashcraft, Jackson Robert Praytor, Jackson *indicates recipient is *Moody Grishman, Biloxi Sue McCormack Tate, Tupelo 2007 deceased *J. Ed Turner, Hattiesburg Ernie Clark, Brookhaven 2002 Larry Edwards, Ridgeland 1996 Judy Glenn, Corinth Belva Pleasants, Greenwood *Michael Stetelman, Hattiesburg *B.E. "Corky" Grantham, W.P. Bridges, Jr., Jackson Jackson *W.F. Tate, Tupelo

17 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:40 AM Page 18 It’sTime! by Kathy Whitfield

014 MAR President Janice Shows of Jackson is no stranger to two different occasions. A Golden R Major Donor to MARPAC, Shows is also Mississippi REALTORS®. A REALTOR® for over 25 years, Shows has a member of the MARPAC President’s Circle. 2been involved in her association since the very beginning of her career As if her professional life isn’t impressive enough, Shows is a charter and while selling real estate, managing agents and coordinating her company’s life member of the Junior Auxiliary of Madison-Ridgeland and proudly relocation department. In addition, she holds numerous NAR designations shares that the charter documents for the organization were signed on her including GRI, ABR and SRS, but also has found time to be a part of profes- dining room table. With such an extensive professional and service-orient- sional enrichment programs like LeadershipMAR, LeadershipMAR Honors ed resume, it is no surprise that Shows has chosen a yearlong emphasis on class and NAR’s Leadership Academy. An active member and past president professionalism, REALTOR® education and service to the community. of the Jackson Chapter of Women’s Council of REALTORS®, Shows was MAR’s Real Estate LEADER had the opportunity to visit with Shows and awarded REALTOR® of the Year by the Jackson Association of REALTORS® on talk with her about her 2014 Presidential theme “It’s Time!”

RL: Do you mind sharing with our members about how you got we took when we became REALTORS®. When we are bogged down in the started in real estate and some other interesting things about your- details and responsibilities of working in real estate it is easy to forget that self? we are professionals and that we are to treat each other in the spirit of the JS: My interest in real estate began in 1987. My younger daughter was play- Golden Rule. As for the emphasis on education, I find that there are some ing softball and her coach/sponsor was a REALTOR®. Spending the best part REALTORS® who view education strictly as the minimum requirement to of the spring and summer with this person around the ball fields, I started keep their license and others who are only interested in finding the cheap- investigating this business. As for interesting things about my life--I am the est education options available. I hope to challenge Mississippi REALTORS® mother of two daughters, the wife of a physician, and I am better known as to invest in quality education through our Mississippi REALTOR® Institute "YaYa" to my two-year-old grandson. Spending time with family, travelling and to seek education as a means of becoming a better real estate profes- and volunteering are what I enjoy most. sional.

RL: Describe the meaning of your Presidential theme “It’s Time!” RL: You shared with members at the MAR Convention in Biloxi that JS As I was considering a 2014 Presidential them, there were a few areas you would like to focus on the guidelines in NAR’s “Pathway that kept coming to mind that were important to me. The theme “It’s Time!” to Professionalism.” Why is that particular issue impor- was intended to focus on three areas I want to encourage Mississippi REAL- tant to you? TORS® to consider when investing their time. The first is to consider quality JS: In addition to the Code of Ethics, Mississippi REALTORS® education over and above the minimum requirements and there is no bet- should adhere to essential core business practices and com- ter place than our own Mississippi REALTOR® Institute to obtain that. I have mon courtesies that are profoundly important to building always believed that quality real estate education is imperative to elevate our good relationships with clients and fellow REALTORS®. performance and cultivate the trust of our clients, family and friends in These basic business etiquettes are important not only showing that we are indeed professional. The second area where I would to new REALTORS® entering the profession, but serve like members to have a renewed commitment is adherence to our founding as a reminder to veteran REALTORS® in dealing with document, the REALTOR® Code of Ethics, which reached its 100th birthday peers and the public. The “Pathway to Professionalism” this past year. Our Code is broken down for us in Articles and Standards of guidelines which were established by NAR are voluntary, Practice and should be continually reviewed and read to remind us of our but following them is not only an excellent way to build responsibilities and commitments as REALTORS®. The third area of empha- a professional and respected reputation from other sis is for REALTORS® to use 2014 as an opportunity to be more involved in real estate professionals, but will foster respect service in their communities. Many of our members are already very for REALTORS® among consumers. involved in their communities and my hope this year is to encourage others The common thread that runs throughout to do the same. “Pathways to Professionalism” is respect for the public, property and our peers. I have RL: Why do you feel these issues need to be spotlighted this year? included a copy of “Pathways to JS: We often get so wrapped up in daily activities that we forget the oath that Professionalism” at the end of this article.

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RL: How do you think the re-commitment to professionalism by RL: What would you most like Mississippi REALTORS® to know REALTORS® would impact the real estate industry? about you and your vision to serve the members in 2014? JS: By re-committing to professionalism, we would gain respect of those we JS: I am humbled to serve as their President this year, but I will need their serve now and hope to serve in the future. help to make 2014 a success. This position isn’t about just one person getting the job done, but takes a team effort with each member promoting our RL: How do you plan to incorporate your vision of promoting pro- Mississippi REALTOR® Institute, adhering to and promoting NAR's "Pathways fessionalism with Mississippi REALTORS® this year? to Professionalism" and giving back to our local, state and national associa- JS: I want Mississippi REALTORS® to know that our association is there for tions as well as our communities. I look forward to working with and visiting them. We, as an association, should stay abreast of what is going on in our our members throughout the year. industry. I plan to stay focused on the three core items for the year by talking to our members and making board visits across the state.

Pathways to Professionalism While the Code of Ethics and Standards of Practice of the National Association establishes objective, enforceable ethical standards governing the professional conduct of REALTORS®, it does not address issues of courtesy or etiquette. Based on input from many sources, the Professional Conduct Working Group of the Professional Standards Committee developed the following list of professional courtesies for use by REALTORS® on a voluntary basis. This list is not all-inclusive, and may be supplemented by local custom and practice.

Respect for the Public • When showing property, keep all members of the group together. • Follow the “Golden Rule” – Do unto others as you would have them do • Never allow unaccompanied access to property without permission. unto you. • Enter property only with permission even if you have a lockbox key or • Respond promptly to inquiries and requests for information. combination. • Schedule appointments and showings as far in advance as possible. • When the occupant is absent, leave the property as you found it (lights, • Call if you are delayed or must cancel an appointment or showing. heating, cooling, drapes, etc). If you think something is amiss (e.g. van- • If a prospective buyer decides not to view an occupied home, promptly dalism) contact the listing broker immediately. explain the situation to the listing broker or the occupant. • Be considerate of the seller’s property. Do not allow anyone to eat, • Communicate with all parties in a timely fashion. drink, smoke, dispose of trash, use bathing or sleeping facilities, or • When entering a property, ensure that unexpected situations, such as bring pets. Leave the house as you found it unless instructed otherwise. pets, are handled appropriately. • Use sidewalks; if weather is bad, take off shoes and boots inside property. • Leave your business card if not prohibited by local rules. • Never criticize property in the presence of the occupant. Respect for Peers • Inform occupants that you are leaving after showings. • Identify your REALTOR® and professional status in all contacts with • When showing an occupied home, always ring the doorbell or knock – other REALTORS®. and announce yourself loudly – before entering. Knock and announce • Respond to other agents’ calls, faxes, and e-mails promptly and yourself loudly before entering any closed room. courteously. • Present a professional appearance at all times; dress appropriately and • Be aware that large electronic files with attachments or lengthy faxes drive a clean car. may be a burden on recipients. • If occupants are home during showings, ask their permission before • Notify the listing broker if there appears to be inaccurate information using the telephone or bathroom. on the listing. • Encourage the clients of other brokers to direct questions to their • Share important information about a property, including the presence agent or representative. of pets; security systems; and whether sellers will be present during the • Communicate clearly; don’t use jargon or slang that may not be readily showing. understood. • Show courtesy, trust and respect to other real estate professionals • Be aware of and respect cultural differences. • Avoid the inappropriate use of endearments or other denigrating • Show courtesy and respect to everyone. language. • Be aware of – and meet – all deadlines. • Do not prospect at other REALTORS®’ open houses or similar events. • Promise only what you can deliver – and keep your promises. • Return keys promptly. • Identify your REALTOR® and your professional status in contacts with • Carefully replace keys in the lockbox after showings. the public. • To be successful in the business, mutual respect is essential. • Do not tell people what you think – tell them what you know. • Real estate is a reputation business. What you do today may affect your reputation – and business – for years to come. Respect for Property • Be responsible for everyone you allow to enter listed property. ©Copyright NATIONAL ASSOCIATION OF REALTORS®. Reprinted with • Never allow buyers to enter listed property unaccompanied. permission."

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2014 MAR President Janice Shows shares her vision in inaugural address

2014 MAR President Janice Shows shared a charge to REALTORS® to begin now to focus on professionalism, education and service following her induction as 2014 MAR President. Shows was sworn in by 2009 MAR President Lynette Praytor during the 2013 Installation Gala at the Beau Rivage in Biloxi.

As you can see behind me and on your tables, our theme for 2014 is “It's Time!!” William Penn, the famous statesman and founder of the Pennsylvania colony, once said, “Time is what we want most, but what we use worst.” I think we all find that to be true on a regular basis. So this year I'd like for us to focus on Time, and making the very best use of the Time that we'll be given. There are many ways to use Time wisely, but I'd like to focus on three tonight. First of all it's Time for Education! The opportunities for formal real estate education are more numerous and easier to find than ever. And with the pace that things are changing, the need for education has never been greater. When you received your real estate license, you stepped on the first rung of a ladder, but that first rung just serves to hold one foot so that you can stretch the other to a higher rung. I'd like to challenge you to elevate your focus – aspire to learn more than just the basics, to continue to expand your knowledge of this business and to never stop learning new ways to serve your clients. Plan this year to start working on a new designation – to learn how to be more tech-savvy – to devote some significant time to being a student again. Just one final reminder about education -- your Mississippi REALTOR® Institute remains your best source for education in our state, not only because it only uses instructors licensed in Mississippi who know Mississippi real estate, but also because it is YOUR real estate school. When the REALTOR® Institute prospers, our association prospers as well. The second thing that I'd like to focus on is Professionalism – It's Time for us to focus some effort on ele- vating our performance, on cultivating the trust of our clients and our neighbors and friends. We've spent 2013 celebrating the 100th anniversary of the REALTOR® Code of Ethics, and complying with the Code is one of the core responsibilities of a REALTOR®. But even beyond the Code of Ethics there are professional courtesies, behaviors which demonstrate honesty and trustworthiness that inspire our clients and fellow REALTORS to a greater confidence in us as agents. The future of this profession depends on how we conduct ourselves and how we treat each other and consumers today. It's Time right now, individually and as an association, to build a reputation for excellence and professionalism. And finally, it's Time for Service. First, your REALTOR® Association needs your participation, we need your innovative ideas, your thoughtful suggestions and we need your leadership. And beyond MAR, our Mississippi cities and towns need your involvement and action too. There is an old Chinese proverb that says, "If you want happiness for an hour, take a nap. If you want happiness for a day, go fishing. If you want happiness for a year, inherit a fortune. If you want happiness for a lifetime, help somebody." We truly are at our best when we are focused on the success of others. It's a privilege to spend time in service to a great cause. I hope that you'll find Time this year to serve. So - It's Time! Time for Education, for Professionalism and for Service. The opportunities are before us, dis- tractions are plentiful, and our Time together, just for a year, will fly by. But collectively, Time well-spent this year will benefit our association and our profession. And I think we'll all get a lot of personal benefit from it too. Again, thank you for your commitment to real estate and to MAR. I'm very much looking forward to spending my Time with all of you this year.

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FOR THE TECH OF IT

BY CHRIS ADCOCK

What CryptoLocker taught us about viruses ast year, I wrote an article about viruses and tried to dispel some ters, etc. CryptoLocker was a wakeup call for many who do not have a common misconceptions. Firstly, I discussed how virus scanners are good backup solution. Loften unprepared for new viruses, as they do not yet have a defini- How do currently handle backing up your data? Hopefully you have tion for the virus. If you get infected with a virus some type of backup. If you do the most basic within the first few months of its creation, your backup solution, you likely have an external virus scanner might not give you any protection hard drive hooked into your computer where or notification that you are infected. you manually or automatically backup critical Secondly, I mentioned that just updating files. But if this drive is always plugged in, this your virus scanner's definitions is not enough to drive could be vulnerable to CryptoLocker or remove viruses you may already have infected a similar virus. If it is plugged into your com- you. As your scanner gets new definitions, it will puter, a virus could easily encrypt the files on typically discover and attempt to stop viruses your external drive also. If you were to from infecting your computer, but if your com- become infected with CryptoLocker, or anoth- puter is already infected with a virus, it is less likely to discover it without er virus, you could lose access to the files on your computer and the ones running a full scan with the new definitions. To really ensure your com- on your backup drive. To really protect yourself, you need to leave exter- puter is clean, you need to do regular scans. Some virus scanners have nal drives disconnected when not making a backup, or only use an exter- scheduled full scans that automatically run once a week or so, though nal drive in addition to an off-site backup. There are many offsite backup most require you to run a scan manually. I recommend full scans every solutions, with Carbonite and Mozy being two of the more well known. two to three weeks. Most of these services will allow you to recover your files after being delet- Finally, I went over some of the more common ways viruses get on ed or encrypted. You want to make sure the service you choose has a fea- your computer. Often, virus infections come from executable attachments ture to recover files deleted or modified for a period of time. For exam- in emails (like .exe, .zip, .bat, and .src files). You can also get a virus by ple, with Carbonite, if you accidentally delete or modify a file, you can visiting an infected website, which is why you have to be careful clicking recover a previous copy for up to 30 days. If you were to become infect- suspicious links in emails or on Facebook. ed with CryptoLocker, encrypted files might be uploaded, but you would This year we discovered the now infamous CrypoLocker virus. Once still have 30 days to download your previous unencrypted files. this particular virus infects your computer, it secretly starts encrypting all E-mail is still one of the most common carriers for viruses. of your files. After it is finished, it pops up a message telling you that you CryptoLocker would send itself as an attachment, disguising itself as some- are infected with the virus, and informing you that all of your files have thing else. The file might be Report.PDF.exe. Users opening the file would been encrypted. If you do not pay a "ransom" of about $300 within a short assume it was a PDF document, when it was really an executable file. You window of time, you will be unable to recover your files. Many virus scan- should never open an unknown file ending in .exe, .bat, .src, or .com from ners can remove the CryptoLocker virus, but none can recover your an E-mail attachment. encrypted files. Without the encryption key (provided by the attacker), Social media has brought new challenges for virus protection. Viruses your documents, pictures, etc. are unrecoverable. We've seen "ran- are able to spread rapidly and take advantage of the window of time it somware" viruses before, but none that actually encrypted files, which takes for definitions to be written and distributed to users. Viruses are now makes it practically impossible for you to recover. posting on infected users' Facebook walls and Twitters account with mali- Most virus scanners have since updated with definitions that should cious links. Be cautious of suspicious posts on social media sites, even if block CrypoLocker, but you shouldn't let your guard down. Rewriting of posted by someone you know. the virus, or simply another virus maker utilizing the same file encryption To make sure your 2014 isn't wrecked by a virus, make sure you have strategy, would produce viruses that would likely be able to infect your an anti-virus that is updating. Ensure you have backups other than just an computer even with protection. external hard drive always plugged in. Run a full virus scan every two to The real lesson from CryptoLocker is that there is no substitute for three weeks. And be cautious about links you click on social media sites backups. No matter how good your protection, all it takes is one virus and email, and avoid executable email attachments. infection for you to lose all of your data. Luckily, this is not extremely common. But that could quickly change as other virus creators mimic CryptoLocker's success. Having an up-to-date backup is a good fall-back if you lose access to your files. Of course, there are lots of other reasons Chris Adcock is MAR’s Information Technology Manager. Contact to have backups: hard drive failure, lost/stolen computer, natural disas- him at [email protected]

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2013 Major Donors

President’s Circle

Ernie Clark Dottie Collins Ric Corts Andrea Cummins John Dean Jr. Larry Edwards Lisa Hollister Tony Jones Nancy Lane C.R.(Bob) Ridgway Janice Shows Chris Wilson Brookhaven Greenville Hattiesburg Oxford Leland Ridgeland Biloxi Olive Branch Jackson Jackson Madison Laurel Golden $5000

® Jackson Association of REALTORS MLS of Jackson

Ernie Clark John Dean Jr. Larry Edwards Judy Glenn Charlotte Sadler Janice Shows David Stevens Brookhaven Leland Ridgeland Corinth Gulfport Madison Clinton Crystal $2500 Sterling $1000

Andrea Cummins Lisa Hollister Betty Jo Ison Tony Jones Tommy Morgan Ellen Short Jean Amos Ken Austin Shellye Beach David Bourdette Lisa Bourgoyne James Brantley Tessie Buckhaulter Oxford Biloxi Hattiesburg Olive Branch Tupelo Tupelo Starkville Pass Christian Madison Pass Christian Brandon Brandon Jackson

Rosiland Burge James Carson Robert Clay Gloria Clyatt Chassity Coleman Dottie Collins Ric Corts Norma Cother Buck Covington Bethany Culley Mark Cumbest Melinda Dees Dee Denton Greenville Hattiesburg Tupelo Madison Madison Jackson Lumberton Jackson Hernando Madison Jackson Moss Point Jackson

Jeffrey Dillon Ashley Endris Cathy Feltenstein Joan Ferguson Lynn Fillingham Patricia Fleming Lee Garland Karen Glass David Griffith Janice Guckert Megan Hall Vicky Hall Beth Hansen Ridgeland Gulfport Meridian Hernando Madison McComb Jackson Gulfport Cleveland Jackson Jackson Brandon Jackson

Cathy Harkins Corie Haynes Kay Jefferies John Jenkins Cynthia Joachim John Jones Bruce Kammer Tracy Kirkley Randy Knouse Nancy Lane Lisa Langston Peggy Leigh Jackson Hernando Hernando Jackson Biloxi Pascagoula Picayune Southaven Ridgeland Jackson Pearl Hernando

Robert Leigh Selena Lovejoy Amelia Lovorn Jeanelle Marshall Doug Maselle Margie McFarland Rita McIntosh Larry McMahan Melanie Mitchell Tena Meyers Fabian Nelson Sheila Nicholas Stephanie Nix Hernando Jackson Olive Branch Ridgeland Jackson Gulfport Jackson Hattiesburg Starkville Jackson Jackson Jackson Ridgeland

Carla Palmer-Allen Keiko Palmero Phield Parish Gary Parker Yolanda Parris Lynette Praytor Ann Prewitt Cynthia Pritchard Sherry Pullens Pam Pybas Jennine Ramage Ridgeland Gulfport Greenville Jackson Jackson Ridgeland Jackson Gautier Hattiesburg Ridgeland Hernando

Barbara Richardson Paula Ricks C.R.(Bob) Ridgway Pamela Roberson Michele Rumbley Jimmie Sandifer Stephanie Shaw Bo Smith DeLois Smith Joe Stedman Sue Stedman Andy Stetelman Carol Stewart Raymond Madison Jackson Oxford Madison Jackson Gulfport Jackson Hattiesburg Natchez Natchez Hattiesburg Canton

Rosemary Stovall Dorothy Thompson Jo Usry Vickey Ward Adam Watkins Catherine Watson Larry Webb Glenn Whitfield Noggin Wild Nancy Wilks Chris Wilson Terry Winstead Nell Wy att Madison Jackson Jackson Jackson Hattiesburg Ridgeland Olive Branch Madison McComb Jackson Laurel Meridian Ridgeland 22 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 23

Local Board MARPAC participation levels As of October 29, 2013 MARPAC reached 110.5% of its 2013 goal with 2014 Fair Share $221,023.50 and 51.1% of its 51% Fair Share participation goal. Investment Form

Biloxi-Ocean Springs 52.7% Amount: Clarksdale 66.7% ___ Other ___ $1,000 (Sterling R) Cleveland 38.1% ___ $25 (Fair Share, Salespersons) ___ $2,500 (Crystal R) Four County 21.2% ___ $99 (Fair Share, Brokers) ___ $5,000 (Golden R) Golden Triangle 54.9% ___ $250 (Magnolia Club) Greenville Area 59.5% Mail this form with payment to your local board/association or contribute online at msrealtors.org. Greenwood 60.5% Name (print clearly) Grenada 105.9% Firm Name Gulf Coast 53.5% NRDS# Hattiesburg 59.8% Address Jackson 40.4% City Zip Laurel 60.8% Work Phone Meridian 70.9% E-Mail MAR 600.0% MCAR 72.9% FOR CREDIT CARD CONTRIBUTION

Fair Share Participation Goal ___VISA ___MC Amount $______Natchez 36.8% Card# North Central 32.5% Exp. Date Northeast 56.8% Signature (required) Northwest 65.1% Contributions are not deductible for Federal income tax purposes. Contributions to RPAC are voluntary and are used for polit- Pearl River 54.5% ical purposes. The amount indicated is merely a guideline and you may contribute more or less than the suggested amount. Southwest 68.2% The Association will not favor or disadvantage anyone by reason of the amount of their contribution, and you may refuse to contribute without reprisal by the Association. Seventy percent of each contribution is used by the State PAC to support state Vicksburg 30.2% and local political candidates. The other thirty percent is sent to the National RPAC to support Federal candidates and is charged against your limits under 2 U.S.C. 441a. Total Participation 51.1% 100%

Save the Date / Thursday, February 6th

Join with other REALTORS® at the Mississippi State Capitol to meet face to face with your state lawmakers, hear a legislative update and help honor MAR’s 2013 Legislators of the Year. The Capitol events will be followed with our annual Legislative luncheon at the MAR Building on Lakeland.

State Capitol, Downtown Jackson 8:30 am – 9:30 am Check-in/Doughnuts and Coffee 1st Floor Rotunda 9:30 am –10:00 am Legislative Briefing Old Supreme Court Chambers, Rm 216 10:00 am –10:30 am Guest speakers and Legislators of the Year Awards Presentation Old Supreme Court Chambers, Rm 216 10:30 am –11:30 am Meet with your Legislators

MAR Building, Lakeland Drive in Jackson 11:30 am – 12:45 pm Political Advocacy Luncheon

To join us for REALTOR® Day at the Capitol, please register by Monday, February 3rd at http://msrealtors.org/Events/REALTORDay.php. There is no charge for this event.

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Successful REALTORS® who are committed to investing their fair share As of October 1, 2013

Magnolia Club $250 - $999 William Blair, Columbus James Dunn, Tunica Lyle Hobbs, Brookhaven Pat Marcellus, Gulfport Deborah Benoit, Carriere Lisa Boudreaux, Carriere Walter Dunn, Cordova Virginia Hodges, Meridian Jackie Marks, Gulfport Lee Boyette, Laurel Walt Bowie, Ridgeland Carol Easley, Mccomb Beverly Hoge, Byram Jeffrey Martella, Brandon Heather Brett, Starkville Eric Bradley, Picayune Lameshia Edwards, Ridgeland Tanya Holland, Columbia Bobbie Martin, Jackson Cynthiadora Creel, Gulfport Ellis Branch, Ocean Springs Keith Eilermann, Gulfport Wes Holsapple, Madison Conrad Martin, Jackson Andrea Cummins, Oxford Ray Branscome, Grenada Elton Elkins, Purvis D Holstein, Biloxi David Massey, Oxford Charles Dawe, Hattiesburg Peggy Branson, Laurel John Ellis, Pass Christian Melissa Honea, Ridgeland Cherie Matthews, Oxford Dee Denton, Flowood Dixie Breithaupt, Vicksburg Kenneth Ellis, Greenwood Sherry Hough, Rayville Dean Mavar, Ocean Springs Christa Estes, Saltillo Wesley Breland, Hattiesburg G. H. English, Ocean Springs Yvonne Huddleston, Jackson Audrey McBride, Starkville David Griffith, Cleveland Jerry Brewer, Senatobia Edward Evans, Lucedale Patricia Hughes, Biloxi Mary McCabe, Gulfport Keith Henley, Tupelo Alan Bridevaux, Mccomb Cheryl Fair, Southaven Larry Hutchens, Olive Branch M.L. McCarty, Columbus Kay Jefferies, Southaven W. Bridges, Jackson Leslie Farmer, Hattiesburg Nancy Hutchens, Holly Springs Joy McClinthen, Pachuta Martin Jones, Gulfport Katie Britton, Waynesboro Sherry Fischer, Water Valley Kenny Jackson, Meridian Patricia McClure-Smith, Oxford Bruce Kammer, Picayune Ken Broom, Hattiesburg Hal Fiser, Clarksdale Darleen Jacobs, New Orleans Stephanie McConnell, Bay Saint Deborah McGhee, Saucier Ann Brown, Biloxi John Fiser, Clarksdale Mavis James, Jackson Louis Brenda O'Neal-Lambert, Timothy Brown, Jackson Michael Flannes, Jackson Sandra Jeschke, Gulfport Levi McCraney, Greenville Hattiesburg Stacy Bufkin, Bentonia James Fleming, Carriere Craig Joachim, Ocean Springs Joshua McCrory, Brandon Allison Palmer, Brandon Steve Bullard, Biloxi Patricia Fleming, Mccomb Oscar Johansen, Biloxi Jason McDerment, Lucedale Jocelyn Raimey, Hattiesburg Kenneth Burden, Cordova Martha Ford, Picayune Ana Johnson, Gulfport Harold McGarrh, Greenville Melissa Rich, Starkville Yvette Burns, Poplarville Gary Fordham, Hattiesburg Carole Johnson, Southaven Rick McGill, Columbus Sandy Richardson, Southaven Hugh Byrd, Taylorsville Susan Foretich, Gulfport Joe Johnson, Laurel Jimmy McKay, Madison Don Roberts, Ridgeland Paul Campbell, Vicksburg Mark Formby, Picayune Jon-David Johnson, Canton Beth McLellan, Kosciusko Mary Ann Roper, Brandon Leigh Ann Carkeet, Olive Cecilia Forster, Crenshaw Lawrence Johnson, Memphis A. J. McMurphy, Biloxi Gregory Ryan, Olive Branch Branch Michelle Fradella, Slidell Mae Johnson, Madison Mike McPhail, Water Valley Edwin Scruggs, Germantown Haley Carlson, Hernando Lindsey Francois, Jackson Michele Johnston, Hernando Robert Merrick, New Orleans Danette Shaw, Gulfport Timothy Carlson, Gulfport Marilyn Garbacz, Flora Jay Jordan, Gulfport Mark Mitchell, Amory Kenneth Smith, Gautier Eugene Carothers, Hattiesburg Sue Gardner, Tupelo John Kane, Bay Saint Louis Donna Moak, Brandon Ann Todd, Senatobia Phillip Carpenter, Jackson Lee Garland, Brandon Cassie Kauerz, Meridian Connley Moak, Jr., Brookhaven Don West, Columbus Nedra Carter, Laurel Michael Garvey, Hattiesburg Laura Kelley, Waynesboro Albert Moore, Pearl Brett Cates, Hattiesburg Philip Gattuso, Hattiesburg Walter Ketchings, Gulfport James Moore, Oxford 99 Club $99 - $249 Rosemary Chambliss, Southaven Robert Gavin, Natchez Gerald Kidd, Meridian Bobby Moorehead, Ridgeland Mike Adams, Jackson Tammy Chancellor, Quitman Rebecca Gill, Biloxi Billy King, Oxford Renee' Moore-Smith, Brandon John Adamson, Laurel Bobby Clark, Greenwood Meta Ginn, Oxford William King, Petal Alfred Moran, Ocean Springs Alyce Alexander, Greenville Emily Clemens, Long Beach Eris Giurintano, Jackson Vicki Klein, Madison Henry Mosco, Cleveland Carlene Alfonso, Gulfport Ressie Cliett, West Point Carla Glasgow, Amory Clifford Klousia, Jackson Jonnette Moss, Madison Mike Alford, Tupelo Betty Cline, Crystal Springs Jennifer Glass, Long Beach Malcolm Kretschmar, Greenville Ann Motz, Southaven Albert Allegue, Biloxi Dennis Coleman, Columbus Ricky Goforth, Meridian Lorraine Krohn, Gulfport Thomas Muir, Jr., Ripley Justin Allen, Ocean Springs Danny Collins, Madison Philip Good, Macon Kaye Ladd, Tupelo Dina Naron, Lucedale Chad Anderson, Theodore Gerald Collins, Hattiesburg Jeffrey Gooden, Clarksdale Chris Ladner, Gulfport Fabian Nelson, Ridgeland Robert Andrews, Greenville Don Commander, Biloxi Tish Goodman, Greenwood Everette Ladner, Gulfport Deborah Nettles, Starkville Eleanor Ashley, Aberdeen Jim Conerly, Jackson Paul Goodwin, Madison Jeanette Ladner, Gulfport John Newell, Madison Wallace Ashley, Cleveland Cynthia Conner, Quitman John Graham, Butler Deborah Lancaster, Picayune Betty Newman, Jackson Jim Atchison, Biloxi Tom Conner, Mc Comb Linda Graham, Madison Jimmy Langley, Tupelo Nicole Nezat, Biloxi Stephanie Atkins-Arnett, Bill Cook, Jackson Bruce Gray, Brookhaven Pamela Langley, Pascagoula James Nixon, Starkville Starkville Judy Corts, Hattiesburg Darren Gray, Gulfport Stephanie Lawson, Olive Branch Arthur Noble, Madison Michael Austin, Hernando Jason Cousar, Memphis Tanya Gray, Laurel Leslie LeDoux, Ridgeland Gena Nolan, Saltillo Joe Azar, Greenville Richard Cowart, Vicksburg Charles Green, Pascagoula Russell Lee, Picayune Sollie Norwood, Jackson Patricia Bailey, Laurel Tommie Criswell, Arlington Tony Greer, Clinton Vanessa Leech, Vicksburg Billy Nowell, Cleveland Sherwood Bailey, Gulfport Rod Crosby, Ridgeland Gregory Gresham, Holly Springs Dick Leike, Memphis Brenda Null, Sumrall William Bailey, Ridgeland Stephanie Crosslin, Southaven Michael Guyton, Tupelo Valerie G. Leoni, Biloxi Sylvia Nutt, Raymond Charles Ball, Columbia Kelly Dabbs, Madison Vicci Hall, Ridgeland Elijah Lewis, D'Iberville J. Neal Olive, D'Iberville Ryan Ballard, Memphis Jacki D'Alexander, Ocean Don Halle, Gulfport Misti Lewis, Greenville James O'Neal, Mooreville Jordan Bankhead, Oxford Springs Pat Hamilton, Meridian Ricky Lewis, Horn Lake Martin O'Neal, Mchenry Susan Barnett, Ellisville Stanley Daniels, Gulfport Bonnie Hankins, Grenada Vernell Lewis, Ridgeland James Overstreet, Gulfport Stacy Barr, Meridian Ann Davis, Columbus Rebecca Hanks, Memphis David Lipscomb, Vancleave Keiko Palmero, Gulfport Jesse Barrilleaux, Madison Julie Davis, Brandon Doris Hardy, Columbus Debbie Little, Meridian Robert Pearson, Houston Clayton Beard, Madison Michael Davis, Columbus Debby Harmon, Tupelo Sheila Little, Jackson Glenn Pennington, Prentiss Walter Becker Jr, Jackson Robin Davis, Biloxi Curtis Harrison, Biloxi George Loden, Tupelo Van Peters, Shannon Cathy Beeding, Ocean Springs Joanie Deas, Gulfport Corie Haynes, Hernando Frank Loftis, Columbus Jeffrey Phillips, Biloxi Robert Belew, Biloxi Melinda Dees, Madison Harry Hebert, Gulfport Leland Lott, Hattiesburg Dennis Pierce, Hattiesburg Lee Bennett, Bay St. Louis Tony DiFatta, Madison William Hessell, Gulfport Selena Lovejoy, Brandon R. Pierce, Madison Randy Berg, Brandon Jett Dorsett, Lucedale Sean Hettinger, Tupelo Lawrence Magdovitz, Clarksdale Jeremy Pierpont, Biloxi David Berkley, Bude Ron DuBard, Greenwood Raymond Heun, Southaven Gerard Maher, Ocean Springs Robert Pigford, Meridian Tracy Berry, Tupelo Cissie Dubuisson, Gautier William Hewes, Gulfport Cynthia Mahner, Waveland Judy Pippin, Picayune Ernestine Bilbrew, Canton Herb Dubuisson, Bay St. Louis Jerry Hillyard, Ocean Springs Jeanie Malouf, Jackson James Platt, Moss Point Sheila Bingham, Jackson J Dunbar, Hattiesburg Eugenia Hines, Madison Michael Marcellus, D'Iberville Barbara Pope, Columbus

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Vic Porter, Gulfport Leland Thomas, Picayune Tammy Aldridge, Olive Branch Susan Barrett, Canton Curtis Bowie, Greenwood Pam Powers, Oxford Marques Thomas, Ocean Brad Alexander, Wiggins Becky Barron, Brookhaven Jackie Bowman, Grenada John Praytor, Ridgeland Springs Harry Alexander, Oxford Tamela Bartee, Saltillo Lori Box, Greenwood Frankie Prescott, New Albany Terry Thomas, Hernando Lashanda Alexander, Madison Wayne Bartley, Olive Branch Cynthia Boyer, Southaven John Proctor, Ridgeland Sandra Thompson, Jackson Andy Alfonso, Ocean Springs Jennifer Barton, Flowood Jafet Boykin, Ocean Springs Steven Purvis, Vicksburg Wayne Thornton, Vicksburg Jo Ann Alford, Ridgeland Carl Bass, Jackson Jason Boykin, Ocean Springs William Purvis, Gulfport Lisa Tillotson, Vicksburg Alison Alger, Abbeville Janie Bass, Ridgeland Shannon Boykin, Biloxi Tonya Quinn, West Point Linda Toche, Ocean Springs Ali Allday, Hattiesburg Glen Bates, Gulfport Nell Boykin-Tadlock, Forest Levell Reed, Meridian Susan Tolar, Biloxi Dee Allegue, Biloxi Melissa Bates, Southaven Michael Boyle, Flowood Susan Reed, Ocean Springs Ben Tomlinson, Ripley Barbara Allen, Biloxi Elizabeth Batkie, Olive Branch Lori Bragg, Madison Wythe Rhett, Columbus Chad Tompkins, Madison Darlene Allen, Ocean Springs Dennis Baum, Hattiesburg Lex Brame, Gulfport Gail Riddick, Drew Joe Toms, Meridian Michael Allen, Hattiesburg Gregory Baumgartner, Biloxi James Brand, Ocean Springs Jon Ritten, Diamondhead O. B. Triplett, Forest Linda Allgood, Oxford Bret Baxter, Flowood Raye Brandon, Ocean Springs Martin Rivers, Gulfport Gary Troescher, Carriere Brent Allison, Bay St. Louis Jeanne Baxter, Bay Saint Louis Cassandra Brannon, Starkville Curtis Robinson, Jackson William Troxler, Tupelo Timothy Allred, Meridian Shellye Beach, Ridgeland Leslea Brant, Nesbit Florence Robinson, Picayune Joy Tucei, Gulfport Dale Alsup, Senatobia Cindy Beard, Batesville James Brantley, Brandon Teri Rodriguez, Clinton Beth Tyson, Biloxi Nancy Amacker, Hattiesburg Barry Becker, Canton Susan Brashier, Laurel Donna Ross, West Point Thomas Underwood, Jackson Joseph Amadeo, Biloxi Mary Marr Beckman, Ocean Melissa Breedlove, Brandon Sue Ruby, Memphis Andrea Upchurch, Vicksburg Jean Amos, Starkville Springs Brian Breithaupt, Vicksburg Roddy Rumbley, Madison Lawrence Vaughn, Cleveland Michelle Amos, Starkville Sarah Beets, Laurel Stacy Breland, Gulfport Douglas Rushing, Tylertown Jerry Vernon, Jackson Tiffany Amos, Florence Floyce Beevers, Jackson Elaine Brewer, Brookhaven Cheryl Russell, Brandon Daniel Walker, Olive Branch Bill Anderson, Madison Debra Bell, Jackson Harriet Brewer, Ridgeland Tammy Russell-Smith, Gwendolyn Walker, Oxford David Anderson, Pontotoc Lisa Bell, Tupelo Linda Brewer, Senatobia Monticello Vickey Ward, Byram Evelyn Anderson, Ocean Springs Tracy Bell, Meridian Janan Brewington, Biloxi Glenn Sable, Clinton Mark Warren, Ridgeland Joree Anderson, Brandon Lauren Benner, Ridgeland Arthur Brickey, Olive Branch Patti Sanders, Natchez Sanford Warren, Jackson Judith Anderson, Hernando Bradley Bennett, Southaven David Bridges, Jackson Beverly Sarrett, Flowood Catherine Warriner, Jackson Larry Anderson, Red Banks Patricia Bennett, Hattiesburg Debby Bridges, Madison Christa Saulters, Hattiesburg LuAnn Watkins, Picayune Michael Anderson, Hattiesburg Rhonda Bennett, Gulfport Gregory Bridges, Tupelo Gerald Savner, Long Beach Shorty Watkins, Germantown Mike Anderson, Southaven Kim Best, Jackson Loris Bridges, Ocean Springs Earline Sawyer, Gulfport Dorothy Watson, Starkville Michael Anderson, Jr., John David Bethea, Flowood Eric Briscoe, Olive Branch Randall Saxton, Madison Wesley Webb, Tupelo Booneville Matthew Bierwagen, Gulfport James Briscoe, Jackson John Schaff, New Orleans Peter Weidlein, Bruce Jesse Andrews, Tylertown Robert Bilbrew, Canton Becky Brister, Ridgeland J. Daniel Schroeder, Biloxi Stanley West, Amory Mary Andrews, Columbus Janell Billiot, Picayune Bettie Britt, Hernando Janice Scott, Tupelo Barry Weyland, Gulfport Sissy Andrews, Gulfport Kimothy Billiot, Booneville Craig Britt, Olive Branch Miriam Seale, Hattiesburg Chris Wheeler, Ridgeland Tracey Andrews, Madison Jillean Bishop, Vicksburg Ginger Britt, Hernando Kim Seaman, Pascagoula Jim Wheeler, Biloxi Stephanie Anglin, Gulfport Al Bishop, III, Brandon Cynthie Britton, Biloxi Billie Shaw, Madison Betty White, Laurel Bernard Armstrong, Southaven Cindy Black, Saltillo Joseph Britton, Waynesboro MaryAnn Simoneaux, Magnolia Donald White, Jackson James Armstrong, Biloxi Susan Blackledge, Laurel Scott Britton, Jackson Bobbie Simpson, Madison Harold White, Meridian Ellen Arnold, Ocean Springs Paul Blacksmith, Gulfport Al Brock, Greenville Jackie Sims, Greenwood Lisa White, Jackson Gene Arnold, Pascagoula Brenda Blackwell, Hattiesburg Becky Brooks, Gulfport Larry Sims, Laurel William White, Mccomb John Arnold, Vicksburg Vicki Blackwell, Memphis Teresa Brooks, Starkville Betsy Smith, Brookhaven Brian Whitton, Clinton Sandra Ashford, Ridgeland Gary Blair, Brookhaven Brandon Brown, Jackson Corey Smith, Picayune Sue Wilkinson, Brandon Joyce Asken, Brookhaven LaSonya Blankenship, Cynthia Brown, Starkville Diane A Smith, Oxford Bailey Williams, Corinth Judy Atherton, Gulfport Germantown Fosta Brown, Memphis James Smith, Hattiesburg Boyd Williams, Meridian Becky Austin, Hernando Susan Blanton, Southaven Jason Brown, Hattiesburg Joey Smith, Columbus Sandra Williams, Tunica Ken Austin, Pass Christian Alanna Bledsoe, Pontotoc Jennifer Brown, Tupelo Ray Smith, Summit Amy Wood, Pass Christian Phyllis Austin, Greenville Je'Nell Blocher, Ocean Springs John Brown, Ridgeland Robert Smith, Richland Barry Woodward, Madison Rickey Authement, Ocean Deborah Blocker, Meridian Julia Brown, Ridgeland Thomas Smith, Madison Tabitha Wroten, Vidalia Springs Harold Blossman, Mccomb Mimi Brown, Pass Christian Margie Smithson, Olive Branch Stephanie Avant, Greenwood David Blount, Jackson Oscar Brown, Senatobia Leland Speakes, Cleveland Other Investors Cal Aycock, Germantown Jane Bobitt, Cleveland Ronald Brown, Hattiesburg Jeff Speed, Ridgeland Marilyn Abadie, Mc Comb Virgie Azar, Greenville Bridget Boehm, Biloxi Ryan Brown, Jackson Allison Spencer, Hernando Renee' Abbenante, Gulfport Sherry Azordegan-Veal, Bill Boggan, Brandon Susan Brown, Madison Becky Stacy, Jackson Robert Abbenante, Ocean Madison Lydia Boggan, Ridgeland Kurtis Brumfield, Summit Randy Stark, Memphis Springs Stacy Babb, Carriere Bobby Boland, Hernando Kathy Bryan, Madison Joe Stedman, Natchez Janelle Abbott, Gulfport Lester Bacon, Brandon Pamela Boland, Coldwater Lisa Bryan, Southaven Andrew Stetelman, Hattiesburg Judy Abide, Biloxi Christy Bailey, Meridian Marquitta Bolden, Madison Sheri Bryan, Madison Betty Stevens, Gloster Stephanie Ables, Ocean Springs James Bailey, Columbus Melanie Bolden, Olive Branch Joe Bryant, Hattiesburg Kimberly Stevens, Starkville Vanessa Ables, Ridgeland Kimberly Bailey, Ocean Springs Janice Boling, Brookhaven Karen Bryant, Columbus Janet Stockwell, Gulfport Charles Acklin, Mchenry Leigh Bailey, Ridgeland Brian Bolis, Gulfport Sharon Bryant, Picayune Debbie Stovall, Summit Barbara Acree, Germantown Kay Baird, West Point Shelly Bookwalter, Olive Branch Sara Buchanan, Madison Richard Stratton, Liberty Tanna Adam, Diamondhead Gloria Baker, Yazoo City James Bosco, Biloxi Tressie Buckhaulter, Jackson James Stroo, Hattiesburg Amy Adams, Jackson Elizabeth Balder, Bay St. Louis Judy Boudoin, Waveland Patricia Buckner, Starkville Sissy Strunk, Pascagoula Deborah Adams, Collinsville James Ball, Vicksburg Mel Bounds, Meridian Guy Bufkin, Bay St. Louis Dawn Stuit, Poplarville Jeffrey Adams, Mccomb Edith Baltar, Gulfport Trudy Bounds, Hattiesburg Peggy Bullion, Hattiesburg Saun Sullivan, Denham Springs Karen Adams, Walls Valerie Bamburg, D'Iberville Cookie Bourdene, Madison Alaina Bullock, Gulfport Tanya Swoope, Biloxi Kelly Adams, Mccomb Pearl Banks, Gautier David Bourdette, Biloxi Cecilia Bullock, Jackson Tommy Tate, Columbus Tanja Adams, Jackson Patricia Barnes, Southaven LeLinda Bourgeois, Biloxi Cheryl Bullock, Gautier Joyce Taylor, Madison Barbara Adamson, Laurel Anita Barnett, Holly Springs Lisa Bourgoyne, Brandon Kay Bullock, Boyle Tena Taylor, Oxford Angelia Adkins, Gulfport Robin Barnett, Tupelo Kevin Bourn, Jackson Kathryn Bumgarner, Ridgeland Richard Teague, Picayune Shirley Agner, Southaven Chad Barnette, Southaven Nancy Bourn, Jackson John Bunch, Greenwood Phillip Thames, Monticello John Albano, Gautier Pamela Barr, Madison Sarah Bowdon, Hernando Mary Bunch, Perkinston

25 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 26

Karen Bunker, Southaven Jan Cauthen, Oxford Margaret Colson, Natchez Kimberly Davis, Lucedale Joseph Edenfield, Gulfport Jason Burch, Olive Branch Donald Caylor, Germantown Matthew Colvin, Madison Kristyn Davis, Columbus Amanda Edwards, Starkville Bernita Burden, Greenville Victoria Chambers, Gulfport Katina Comans, Vicksburg Mae Beth Davis, Southaven Larry Edwards, Ridgeland Michelle Burford, Ridgeland Donald Chambliss, Southaven Paola Conner, Madison Robert Davis, Booneville Sandra Edwards, Ocean Springs Robyn Burgardt, Clinton Suzanne Chambliss, Olive Gale Cooley, Laurel Sherry Davis, Brookhaven Andrew Eiland, Pascagoula James Burge, Picayune Branch Charles Coombs, Blue Lisa Davis Wills, Jenee' Eilermann, Gulfport Rosiland Burge, Hattiesburg Karen Chance, Ocean Springs Mountain Summer Davis-Inman, Ocean Patricia Elam, Tupelo Shelly Burklow, Gulfport Danny Chandler, Ridgeland Jackie Coombs, Corinth Springs Belinda Elder, Flowood Julie Burks, Hattiesburg Louis Chandler, Houston Johnnie Coombs, Blue Michael Dawkins, Oxford Kathy Elias, Gulfport Lisa Burnett, Southaven Loretta Chapman, Flowood Mountain Truman Dawson, Corinth Sandra Ellard, Natchez Rhonda Burnett, Madison Ron Chapman, Ridgeland Luci Cooper, Flowood Frank De Coito, Gulfport James Ellington, Kosciusko Brent Burns, Southaven Susan Chapman, Pontotoc Myssi Cooper, Ridgeland Jean Deal, Picayune Fay Ellis, Southaven Charlene Burrage, Pelahatchie Cynthia Chappelear, Madison Robert Corey, Meridian Douglas Dean, Tupelo Melissa Ellis, Brandon James Burrow, Byhalia Brenda Chapuis, Saucier Steve Corey, Meridian John Dean, Leland Shannon Ellis, Jackson Patricia Burton, Greenville Lynn Chapuis, Saucier Misty Corts, Hattiesburg Marion Dean, Leland Jennifer Elmore, Biloxi Susan Burton, Ridgeland Millicent Charbonnet, Long Richard Corts, Hattiesburg Beth Ann DeAngelis, Natchez Jonathan Elmore, Brandon Dodie Busby, D'Iberville Beach Chanda Cossitt, Tupelo Russell Dearman, Madison Sue Elmore, Oxford Jodi Busch, Gulfport Barry Chatham, Hernando Donna Costello, Meridian Jenifer Decker, Tupelo Bowdre Emerson, Hernando Deborah Bush, Starkville Shannnon Chatham, Pachuta Norma Cother, Tupelo Nancy DeFazio, Biloxi Ashley Endris, Gulfport Marilyn Butcher, Memphis Anthony Chatman, Gulfport Brian Couch, Hernando Robin DeLano, Biloxi Richard Engel, Vicksburg Nancy Byrd, Ripley Syliner Chewe, Pontotoc Matthew Couch, Madison Scott DeLano, Gulfport Chad Engelke, Southaven William Byrd, Oxford Karen Chewning, Ocean Springs Lee Countryman, Gautier Frances Dempsey, Tupelo Ed Engelke, Southaven Sabra Cable, Southaven Amy Chicorelli, Cleveland Patricia Courtney, Ocean Charles Denson, Bolton Jim Engle, Madison Myrtle Cain-Berry, Hattiesburg Amanda Childers, Holly Springs Springs Mary Frances Denton, Flowood Phyllis Enis, Columbus Angel D Callahan, Meridian Kelly Childs, Diamondhead Troy Courtney, Florence Rodney DePriest, Jackson Brenda Estes, Tupelo Harris Callum, Ridgeland Reggie Childs, Gulfport Buck Covington, Madison Margaret Derryberry, Brandon Sherry Ethridge, Pass Christian Christine Cameron, Flowood Sharon Chiniche, Gulfport Christie Cowart, Mobile Nannette DeShazo, Southaven Brenda Eubanks, Southaven Betty Campbell, Saltillo Kathy Chism, Saltillo Stephanie Cowart, Gulfport Angela Deskewies, Olive Branch Janice Eubanks, Lucedale Greyson Campbell, Mccomb Miriam Chong, Biloxi Pam Cox, Madison Robyn Dethlefsen, Canton Deloris Evans, Vicksburg Judith Campbell, Southaven Chris Chrestman, Olive Branch Cheryl Cranford, Hattiesburg Edwin Diez, Madison Demetrese Evans, Terry Patricia Campbell, Ocean Kay Chudy, Madison Clay Crawford, Saltillo Jeffrey Dillon, Ridgeland Cynthia Everett, Gautier Springs Giuseppe Cigliola, Ocean Katherine Crawford, Vicksburg Trae Dilworth, Olive Branch Douglas Everett, Hattiesburg Robin Campbell, Amory Springs Sharon Crawford, D'Iberville Janice Dipaola, Madison Sheri Everett, Hattiesburg Tara Campbell, Mccomb Bambi Clark, Gulfport Stephen Crawford, Bay Saint Kendra Dismukes, Columbus Harriott Expose, Madison William Campbell, Ridgeland Ernie Clark, Brookhaven Louis Kathy Do, Biloxi Dolores Fairley, Hattiesburg Randy Cannon, Olive Branch Roger Clark, Pickwick Dam Teresa Crawford, Southaven Leslie Dobbins, Ocean Springs Christopher Farm, Olive Branch Sierra Cannon, Oxford Michele Clarke, Biloxi Reatha Crear, Vicksburg Mary Dobsch, Horn Lake Sarah Farr, New Albany Vincent Cannon, Oxford Mechelle Clark-Landrum, Mindy Creech, Germantown Teena Dodd, Columbus Dottie Farris, Hattiesburg Carole Cantrell, Brandon Ridgeland Susan Crell, Holly Springs Janine Donelon, Gulfport Stella(Joan) Farrow, Byhalia Jacob Cantrell, Tylertown Robert Clay, Coldwater Joe Crenshaw, Hernando Tracey Dooley, Meridian Bea Farruggio, Biloxi David Cargill, Hattiesburg Amy Clay (May), Coldwater Jodie Critzer, Long Beach Nancy Dorroh, Ocean Springs Crystol Faskell, Arlington Kim Cargill, Hattiesburg Lauren Cleary, Oxford Krista Croney, Picayune Ali Doss, Brandon John Fasler, Biloxi Alyssia Carlisle, Gulfport Mark Cleary, Oxford Patricia Crosby, Ocean Springs William Doughty, Jr., Starkville Crystal Fayard, Ocean Springs Alan Carlson, Sumrall Barry Clemmer, Jackson Arlen Crotchett, Brandon Rachel Douglas, Petal Pamela Fayard, Gulfport Laura Carman, Madison Allison Cleveland, Tupelo Paula Crum, Oxford Kevin Dowell, Olive Branch Cathy Feinstein, Meridian Peggy Carman, Madison Paula Clifford, Ocean Springs Donna Crump, Moss Point Carol Downing, Hattiesburg David Feldman, Summit Bobby Carney, Columbia Diane Clift, Madison Monica Cryer, Meridian Martha Drake, Jackson Caroline Felker, Oxford Chamberlan Carothers, Emma Clingan, Tupelo Bethany Culley, Flowood Winston Drake, Flowood Bronwen Fell, Long Beach Hattiesburg Mary Clisby, Ocean Springs Mark Cumbest, Moss Point DeQuan Drane, Gulfport Desmond Felsher, Gulfport Diane Carpenter, Gulfport Mary Clopton, Brookhaven Searcy Cunningham, Greenville Regina Druetto, Batesville Brad Feltenstein, Oxford Wayne Carpenter, Oxford Gloria Clyatt, Madison Chris Curlee, Magee Lauren Drummond, D'Iberville Cathy Feltenstein, Meridian Cindy Carr, Tupelo Curtis Cobb, New Albany Linda Curlee, Magee Betty DuBard, Greenwood Denman Ferguson, Canton Stacy Carroll, Tupelo Laurie Cobb, Meridian Shirley Curry, Tupelo Ken Dubard, Greenwood Joan Ferguson, Hernando William Carruth, Brandon Mike Cobb, Ocean Springs Todd Dabbs, Madison Jim Duckworth, Magnolia Judi Ferguson, Senatobia Christina Carson, Biloxi Vickey Cobb, Marion Sterling Dahl, Starkville Kimberly Dudley, Hattiesburg Carmen Ferro, Diamondhead James Carson, Jackson Rachel Cochran, D'Iberville Sandra Damers, Biloxi Stacy Duff, Hattiesburg Bridget Ferrucci, Ocean Springs Jennifer Carson, Starkville Frances Coffin, Laurel Maureen Daniels, Gulfport Kathryn Duncan, Hattiesburg Melissa Field, Centerville Jacob Carter, Gulfport David Coggins, Tupelo Rebecca Daniels, Gulfport Nikki Duncan, Ridgeland Susannah Fielder, Flowood James Carter, Ruth Ginger Coggins, Germantown Sonny Daniels, Hernando Travis Dunn, Greenwood Olivia Fight, Brandon James Carter, Biloxi Jonathan Colbert, Jackson Raymond Dauenhauer, Gulfport Lynn DuPont, Picayune Lynn Fillingham, Madison Janie Carter, Jackson Leigh Colbet, Gulfport Gaines Daughdrill, Centreville Sue Durbin, Biloxi Willis Finley, Jackson Karen Carter, Hernando Louise Cole, Tupelo David Daugherty, Biloxi Carolyn Duren, Madison Paul Fischer, Water Valley Teleah Carter, Columbus Racheal Cole, Madison Bill Daves, Greenwood Lou Ann Durfey, Madison Robert Fisher, Brookhaven Randy Cartwright, Ocean Candy Coleman, Liberty Jennifer Davi, Gulfport Nita Durrell, Madison Kirby Fleming, Mccomb Springs Chassity Coleman, Jackson Anthony David, Biloxi Margaret Duval-Scharwath, Mary Fleming, Carriere Ellen Carty, Hattiesburg Jane Coleman, Picayune Althea Davis, Flowood Hattiesburg Sally Fletcher, Jackson Timothy Casano, Gulfport John Coleman, Southaven Bonnie Davis, Hattiesburg Debra Dye, Olive Branch Paul Flood, Jackson Michael Casavechia, Greenville Kecia Coleman, Olive Branch Brooke Davis, Olive Branch Marshall Dye, Olive Branch Peter Flood, Jackson Patricia Cash, Diamondhead Renae Collier, Gulfport Carole Davis, Ridgeland Susan Dye, Olive Branch Vicky Flores, Olive Branch Pamela Caston, Southaven Trisha Collier, Meridian Cindi Davis, Southaven Janice Easom, Natchez Kimberley Flowers, Vicksburg Michael Cates, Natchez Dena Collins, Tupelo Debbie Davis, Cleveland Richard East, Bay Saint Louis Marilyn Flowers, Grenada Deanea Causey, Smithdale Dottie Collins, Greenville Jill Davis, Madison Brenda Easter, Southaven Laine Flynn, Ridgeland

26 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 27

Debra Fokakis, Hattiesburg Jennifer Goode, Canton Brian Hancock, Southaven Rita Holley, Meridian Nan Jenkins, Southaven Tripp Folk, Olive Branch Rebecca Goodell, Columbus William Hankins, Jackson Gloria Holliday, Tupelo Rita Jensen, Brandon Martha Fondren, Hernando Krista Goodhart, Gulfport Kimberly Hanna, Southaven Geraline Holliman, Columbus Cynthia Joachim, Biloxi Evelyn Ford, Gulfport Mariela Goodman, Ocean Todd Hannaford, Tupelo Deanna Hollinger, Oxford Elizabeth Joachim, Ocean Sam Ford, Gulfport Springs Beth Hansen, Jackson Lisa Hollister, Pascagoula Springs Merri Fortenberry, Columbia Kimberly Goodson, Madison Richard Hansen, Gulfport Jeanette Hollowell, Olive Warren Johansen, Hernando Gloria Fortinberry, Tylertown Tia Goodwin, Tupelo Carol Hardison, Madison Branch Beverly Johnson, Magnolia Jason Fortinberry, Osyka Janna Gordon, Olive Branch Cathy Harkins, Jackson Philip Holman, Jackson Cecil Johnson, Carriere Linda Fortune, Olive Branch Khylah Goree, Jackson Erin Harkins, Waveland Bonnie Holmes, Brookhaven Chris Johnson, Ocean Springs Win Foshee, Ridgeland Rita Goss, Brookhaven Rebecca Harlan, Gulfport Edwin Holmes, Madison David Johnson, Holly Springs Synthia Foster, Flowood David Gosselin, Madison Ola Harley, Scooba James Holmes, Hattiesburg Elizabeth Johnson, Brookhaven Kelly Frady, Columbus Danny Gowen, Hernando Jan Harlow, Laurel Margaret Holmes, Pascagoula Harold Johnson, Ridgeland Amanda Franklin, Vancleave Sharon Grace, Oxford Amanda Harpole-Snowden, Cindy Holt, Ridgeland Hugh Johnson, Jackson Kevin Franks, Tupelo James Graeber, Clarksdale Meridian Gerald Honea, Magnolia James Johnson, Laurel Tiffany Franks, Tupelo Tiffany Gragg, Hattiesburg Judy Harrell, Vicksburg Andy Hood, Madison Jean Johnson, Laurel Sharmaine Frazier, Columbia Diane Graham, Ridgeland Robin Harrigill, Madison Carl Hoover, Olive Branch Joseph Johnson, Hattiesburg Vicki Freeze, Madison Hazel Graham, Brandon John Harris, Bay Saint Louis Paul Hopper, Ridgeland June Johnson, Ridgeland Mary Frelix, Columbia Kristy Graham, Meridian Leslie Harris, Gautier Jessie Hornback, Yazoo City Karen Johnson, Ocean Springs Bill French, Byram Mark Graham, Hattiesburg Melanie Harris, Greenwood Carol Horne, Tupelo Patricia Johnson, Columbus Sandra French, Ocean Springs Johnny Grant, Ridgeland Charles Harrison, Biloxi Kristi Horne, Madison Rita Johnson, Olive Branch Theresa Friday, Madison Francesca Grasse, Ocean Gale Harrison, Olive Branch Ellen Horton, Clinton Wanda Johnson, Hernando MaryAnn Frisella, Gulfport Springs Tommy Harrison, Oxford Dick Houghton, Ocean Springs Gregory Johnston, Ridgeland Kimberly Fritz, Ocean Springs Lisa Graves, New Orleans Bridget Hart, Mccomb Brenda Housley, Hattiesburg Ronnie Johnston, Vicksburg Cliff Frohn, Des Moines Patricia Gray, Hattiesburg Rhonda Hart, Brookhaven Debbie Houston, Grenada Titus Johnston, Horn Lake Jamie Frye, Meridian Danny Grayson, Natchez Andrea Harter, Ocean Springs Kelly Howard, Madison George Joiner, Oxford Carrie Fuller, Oxford John Greco, Greenville Bobbie Hartfield, Hattiesburg Frank Howell, Columbus Alese Jones, Flowood Dianne Fuller, Brandon Donna Green, Ridgeland Patty Hartman, Brookhaven Mary Jo Howes, Biloxi Angela Jones, Hattiesburg Denise Furr, Jackson Elizabeth Green, Laurel Alton Harvey, Tylertown Ashley Howie, Flowood Betty Jones, Biloxi Cassia Gabbert, Gulfport Kellie Green, Hattiesburg Angela Harvey, Mc Comb Christine Hudson, Vancleave Dana Jones, Ocean Springs Susan Gaffney, Pass Christian P Glenn Green, Natchez Candace Hasan, Long Beach Lana Hudson-Cole, Brandon Donald Jones, Gulfport Sue Gallaspy, Hattiesburg Richard Green, Hattiesburg Diane Haskett, Hernando Royce Hudspeth, Columbus Herbert Jones, Vicksburg Jerry Gardner, Clarksdale Marilyn Greene, Meridian Jimmy Hatchett, Memphis Sharon Hudspeth, Columbus Jeremiah Jones, Jackson Mark Gardner, Southaven Melissa Greer, Tupelo Derek Havard, Flowood George Hughes, Booneville Jimmy Jones, Southaven Heather Garner, Columbus Patricia Greer, Germantown Lee Havens, Cleveland Geri Hughes, Gulfport John Jones, Pascagoula Monica Garner, Mc Comb Ashley Gregoire, Gulfport Barbara Haviland, Ocean Jill Hughes, Summit Kenneth Jones, Gulfport Peggy Garrison, Southaven Sue Gregory, Grenada Springs Sue Humphreys, Brandon Kevin Jones, Hernando Betty Gast, Meridian Danny Grehan, Horn Lake Keegan Hawkins, Carriere Julie Hunger, Picayune Lea Jones, Southaven Carole Gaston, Starkville Chip Grenn, Hattiesburg Marcus Hawkins, Greenville Bailey Hunt, Senatobia Mary Jo Jones, Gulfport Kimberly Gattuso, Hattiesburg Dani Griffin, Brandon Pam Hayden, Madison Eva Hunter, Madison Paulette Jones, Diamondhead Trista Gaughan, Hernando Kim Griffin, Brandon Susan Hayes, Southaven Thomas Hurdle, Oxford Ron Jones, Ridgeland Wendy Gay, Hattiesburg Susan Griffin, Tupelo Idella Haynes, Hernando Tommye Hurtt, Flowood Samuel Jones, Hernando Olivia Gerald, Starkville Anita Griffith, Cleveland David Haynie, Oxford Charles Hutcheson, Meridian Sinnana Jones, Hattiesburg R. Geoffrey Germany, Oxford Frances Grimes, Gautier James Head, Gulfport Marie Hutcheson, Meridian Stephen Jones, Columbus Alfredo Giacometti, Tupelo Jackie Grimes, Gulfport James Head, Biloxi Mary Lou Hutchinson, Tony Jones, Olive Branch Gianna Giambelluca, Biloxi Valerie Grubbs, Hattiesburg Tori Heard, Madison Collinsville Trey Jones, Hattiesburg Chip Gibbes, Summit Victoria Gryder, Biloxi Aussie Hearron, Jackson Tamara Hutton, Brandon Willie Jones, Columbus Grady Gibbons, Brandon Janice Guckert, Ridgeland Waurene Heflin, Tupelo Jane Hyde, Ridgeland Cecil Jordan, Collierville Patrick Gibson, Gulfport Patti Guerry, Columbus Joey Hemby, Byram Nancy Iles, Natchez Heather Jordan, Ocean Springs Jennifer Gill, Gulfport Betty Fay Guice, Gulfport Stuart Hemphill, Mccomb Cheryl Infante, Ocean Springs Richard Jordan, Tupelo Rachel Gill, Clinton Jacob Guice, Gulfport Linda Henderson, Flowood Joey Ingram, Flowood Peggy Joyner, Tupelo Maureen Gillespie, Germantown Malinda Gullick, Olive Branch Rosemary Henderson, Brandon Randy Inman, Brandon Burt Juneau, D'Iberville Constance Gilley, Saltillo Barbara Gunn, Horn Lake Lisa Hendrix, Byhalia Sandra Irby, Brandon Andrew Kalinowski, Columbus Theresa Gillis, Ridgeland Becky Gunter, Columbus Amanda Hendry, Biloxi Betty Jo Ison, Hattiesburg Joseph Karr, Oxford Margaret Gilmer, Vicksburg James Gurley, Amory Susan Henslee, Brandon Alicia Jackson, Vancleave James Kavitz, Brookhaven Ronald Gilmore Jr, Ridgeland Crystal Gustafson, Grenada Clayton Hensley, Ridgeland Eric Jackson, Meridian Estus Kea, Bay Saint Louis Gale Gilpin, Gulfport Kathy Gustafson, Hernando Penny Henson, Olive Branch Irene Jackson, Madison William Kearney, Bay St. Louis Skipper Giordano, Ridgeland Orlando Guzman, Biloxi Carola Herrmann, Gulfport James Jackson, Greenwood Christopher keebler, Ocean Felix Girod, Ridgeland Carolyn Gwathney, Cedar Bluff William Hester, Laurel Mary Jackson, Cleveland Springs Melissa Gist, Southaven Kenan Gwin, Natchez Bill Hetrick, Clinton Sheila Jackson, Jackson Glenda Keenan, Oxford Karen Glass, Gulfport Jacqueline Haarala, Meridian Van Hibbler, Olive Branch Teresa Jackson, Ridgeland Tommye Keith, Flowood Roger Glass, Gulfport Stephan Haas, Bay Saint Louis Jenifer Hickman, Ocean Springs Trey Jackson, Flowood Amber Kelley, Biloxi Judy Glenn, Corinth Kimberly Hager, Gulfport Lisa Hickman, Meridian Virginia Jackson, Meridian Maggie Kate Kelly, Ridgeland Michael Gnadt, Gulfport Irvin Hailey, Starkville Dustin Hill, Meridian Judith Jacobs, Pearl Dorris Kendrick, Gautier Karen Godfrey, Clinton Sam Haire, Southaven Julia Hill, Madison Dawne Jakubik, Ocean Springs Guy Kennedy, Southaven Jeri Goff, Pascagoula Albert Haley, Southaven Norma Hill, Petal Charisa James, Byram Jim Kennedy, Meridian Michael Goff, Brandon John Hall, Diamondhead Vicki Hill, Tupelo Gwen James, Hattiesburg Karen Kessling, Carriere Ryan Goldin, Gulfport Karen Hall, Columbus William Hill, Hernando Bryan Jameson, Madison Thomas Ketchings, Hattiesburg Lisa Gollott, Ocean Springs Megan Hall, Ridgeland Chad Hirn, Ridgeland Pat Jefcoat, Hattiesburg Melissa Key, Sumrall Sue Golmon, Tupelo Rodney Hall, Madison James Cliff Hodgetts, Southaven John Jenkins, Jackson Tracy Key, Hattiesburg Brian Gomillion, Walnut Grove Stephanie Hall, Flowood Thad Hoke, Diamondhead Lee Jenkins, Ocean Springs J.R. Keys, Jackson Michael Gonzalez, Southaven Karen Hamilton, Meridian Julie Holcomb, Tupelo Marshall Jenkins, Saltillo Saira Khan, Walls Janelle Good, Macon Jerry Hanberry, Sumrall Carolyn Holderfield, Horn Lake Martin Jenkins, Meridian Barbara Kidd, Meridian

27 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 28

Joan Killingsworth, Flowood Beverley Lee, Gulfport Loretta Martello, Ridgeland April McKenna, Gulfport John Moore, Olive Branch Rickey Kimble, Tupelo D. Danny Lee, Waveland Barbara Martin, Moss Point Emeldia McKey, Biloxi Melvin Moore, Greenville Janet Kinard, Grenada Jason Lee, Tylertown Benjamin Martin, Tupelo Tonja McKim, Southaven Sabrina Moore, Ridgeland Wallace Kincaid, Madison Jimmie Lee, Meridian Joanna Martin, Ellisville Anthony McLaughlin, Southaven Sara Moore, Ocean Springs Debbie King, Petal Linda Lee, Biloxi Susie Martin, Laurel Codi McLellan, Kosciusko Crystina Moran, Gulfport Doyle King, Madison Martha Lee, Hattiesburg Suzanne Martin, Gautier Larry McMahan, Hattiesburg Anita Morgan, Greenwood Gail King, Mccomb Stephanie Lee, Ocean Springs Vickie Martin, Brookhaven Maggie McMichael, Petal John Morgan, Madison Jeff King, Brookhaven Leigh Anne Leech, Brandon Allie Martin, Jr., Tupelo Nicole McMichael, Madison Thomas Morgan, Mccomb Lynn King, Madison Gaye Leggett, Mchenry Doug Maselle, Flowood Brent McMillan, Liberty Tommy Morgan, Tupelo Metra King, Southaven Peggy Leigh, Batesville Monique Maselle-Kelly, Jay McMiller, Olive Branch Cindy Morgan-Fancher, Olive Jane Kingsafer, Hattiesburg Robert Leigh, Southaven Flowood Jennifer McMinn, Oxford Branch Addie Kinney, Vancleave Alex Lenoir, Madison Elleen Mashburn, Judith McMurphy, Biloxi Ajax Morris, Cleveland Wylene Kirk, Madison Fonda Lester, Madison Diamondhead Loralee McMurphy, Biloxi Bill Morris, Flowood Tracy Kirkley, Olive Branch Jimmy Levy, Gulfport Pat Mashburn, Diamondhead Mike McMurray, Gulfport James Morris, Gulfport Jerome Kittrell, Meridian Andrea Lewis, Vicksburg Carol Massey, Olive Branch Shannon McNair, Gulfport Marlon Morris, Jackson Brenda Knight, Jackson Sheila Lewis, Laurel Helen Massey, Southaven Susan McNamara, Jackson Patricia Morris, Florence Kevin Knight, Tupelo Tracy Lewis, Olive Branch Pamela Mathis, New Albany PATRICK MCNAUGHTON, Kelly Moses, Gulfport Randy Knouse, Ridgeland Mun Lian, Hattiesburg Janice Matthews, Columbus Southaven Judy Mosley, Bruce Keith Knowles, Tupelo Kayla Libiszewski, Wil Matthews, Oxford John McNeese, Columbia Linda Mote, Brandon Terence Koontzy, Ridgeland Diamondhead Margie Matthews-Mays, Debbie McNeil, Bay Saint Louis Gale Mueller, Southaven Marvin Koury, Gulfport Jan Liles, Grenada Southaven Joann McPherson, Collinsville Jan Munn, Ocean Springs Slade Kraker, Starkville Gloria Lindsey, Southaven Mike Maxfield, Greenville Brenda McRae, Southaven William Murdock, Hernando Anna Kral, Gulfport Scott Lindsey, Smithdale Betty Maxwell, Diamondhead Lena McRae, Meridian Edna Murray, Crosby Kathleen Kranz, Gulfport Gail Litchliter, Jackson Linda Maxwell, Southaven Bill McWilliams, Olive Branch Jackye Murray, Mccomb Margaret Krayer-Lucado, Julie Little, Corinth Area Mays, Hernando Debbie McWilliams, Mccomb Annabel Musgrove, Picayune Hernando Vickie Lizana, Gulfport Aaron McAdams, Hattiesburg Grace Meadows, Flowood Anne Myers, Jackson Nessa Kreps, Ridgeland Sidney Lloyd, Jr., Ocean Springs Caitlin McAdams, Hattiesburg Terry Medley, Gulfport Pat Myers, Laurel Brenda Kretschmar, Greenville Dan Loflin, Jackson Ashley McAdory, Flowood Judy Melancon, Picayune Robert Myers, Oxford Danae Kubicki, Hattiesburg Dean Loftis, Columbus Connie McAlister, Summit Donna Melton, Saucier Tena Myers, Flowood Patricia Kurtz, Tupelo Rose Loftis-Yates, Southaven Rickey McAlister, Mccomb Sandi Menendez, D'Iberville Shelia Myles, Flowood Marjorie Kusser, Diamondhead Libbi Logan, Cleveland Barry McArthur, Sumrall Abraham Menhel, Greenville Billie Myrick, Ocean Springs Annice Kyle, Southaven Donna Lombardo, Southaven Michelle McAuley, Tupelo Patrick Merrill, Ocean Springs Donald Nace, Hattiesburg Carmen Kyle, Southaven Jane Long, Gulfport Gregory McCaffrey, Gulfport William Merritt, Natchez Winnie Nace, Hattiesburg Frank Lacey, II, Kosciusko Karen Long, Tupelo Robin McCaffrey, Hattiesburg Jacki Metcalf, Southaven Savita Nair, Jackson Aimee Lacy, Meridian Phillip Long, Columbus Michael McCaleb, Ocean Henry Michel, Jackson Farokh Nanavaty, Brandon Tronnie Lacy, Clinton Tiffany Longo Butcher, Springs Walter Michel, Jackson David Napier, Southaven Jane Ladner, Ridgeland Waveland Robin McCaleb, Gulfport Julie Middleton, Flowood Connie Necaise, Waveland John Ladner, Poplarville Diane Lott, Hattiesburg Rebecca McCann, Southaven Trenton Milam, Jackson Guy Necaise, Gulfport Lisa Ladner, Picayune Dionne Loudenslager, Mc Comb James McCarthy, Memphis Bruno Milanese, Ocean Springs Edwin Neelly, Tupelo Patricia Ladner, Gulfport Roy Loudenslager, Mccomb Melton McCarty, Columbus Linda Miles, Southaven Carolyn Nelson, Brookhaven Lois Laird, Columbus Rebecca Love, Olive Branch Sara McCaughan, Brandon Bryan Miller, Tupelo Teresa Nelson, Gautier Colleen Lally, Magnolia Amelia Lovorn, Olive Branch Rick McCay, New Albany Kim Miller, Magee Kay Newman, Mccomb Betsy Landers, Madison Bea Luckett, Tupelo Patrick McClay, Walls Linda Miller, Ocean Springs Summer Newman, Gulfport Marcia Landers, Flowood Monte Luffey, Gulfport Charl McCloud, Tupelo Marian Miller, Clarksdale Chris Newsom, Hernando Phil Landers, Flowood Judy Lundy, Grenada Cynthia McCool, Madison Mary Miller, Picayune Karen Newsom, Jackson Deborah Landry, Gulfport Deborah Luster, Clarksdale Matthew McCool, Kosciusko David Milling, Jackson Sam Newsom, Leland Debi Lane, Mendenhall Chet Lutkins, Ocean Springs Cheryl McCormick, Olive Francis Minnehan, Gulfport Susan Newton, Ridgeland Jesse Lane, Jackson Mallory Mackey, Biloxi Branch Joseph Mistilis, Oxford Christy Nguyen, Biloxi Nancy Lane, Jackson Cliff Magee, Mccomb Durwood McCormick, Olive Anne Mitchell, Pass Christian Hue Nguyen, Gautier Pat Lane, Starkville Dawn Magee, Flowood Branch Clint Mitchell, Oxford Sheila Nicholas, Ridgeland Shawn Lane, Biloxi Jarrett Magee, Southaven Tara McCoy, Madison Dana Mitchell, Madison Katherine Nichols, Corinth Margaret Laney, Oxford Kristy Magee, Gulfport Ruth McCraney, Greenville Harry Mitchell, Picayune Sharon Nichols, Hattiesburg Mary Lang, Greenville Lola Magee, Meridian Michael McCreary, Corinth Hayden Mitchell, Hattiesburg Donna Nigro, Ridgeland Regina Langlinais, Ocean Carol Magers, Diamondhead Micah McCullough, Jackson Kathryn Mitchell, Ocean Springs Stephanie Nix, Byram Springs Sherry Maggio Flynn, Walls Dianna McCutcheon, Horn Lake McNeil Mitchell, Tylertown Betsy Nolan, Diamondhead Lisa Langston, Pearl Kim Magoun, Madison Greg McCutcheon, Horn Lake Melanie Mitchell, Starkville Carlene Noone, Madison Gary Lankford, Gulfport Kerri Mahan, Pass Christian Linda McDaniel, Hernando Sandra Mitchell, Lucedale Joyce Noone, Madison Carl LaRosa, Pass Christian Susie Maier, Madison Robin McDaniel, Mccomb Jerry Mixon, Marks Susan Norris, Biloxi Jennifer Larson, Long Beach Jared Makamson, Long Beach Robin D. McDaniel, Hazlehurst John Mixon, Jackson Teresa North, Corinth Angela Laster, Columbus Parrish Malouf, Ridgeland Lynn McDerment, Lucedale Annette Mize, Greenwood Carrie Northam, Brookhaven Ann Lauman, Jackson Clare Maness, Hernando Kelly McDonald, Madison Shelli Mohan, Biloxi Fred Nosef, Greenville Denise Lawler, Ocean Springs Mandy Mangrum, Ridgeland Suzie McDowell, Flowood Yasmin Mohiuddin, Gulfport Ronnie Nowell, Jackson Janet Lawrence, Gulfport Carl Manning, Gautier Carol C. McElroy, Meridian Angela Mohr, Tupelo Stephanie Null, Meridian Max Lawson, Osyka Louis Mapp, Hattiesburg Brenda McFall, Gulfport Kandace Monsivais, Laurel James Nutt, Madison Sallie Lawson, Biloxi Sheryn Maricle, Hernando Margie McFarland, Gulfport Donna Monsour, Meridian Tammy Nutt, Madison Tarzan Lawson, Memphis Terry Marks, Flowood Nancy McGill, Ocean Springs Mark Montet, Waveland Michael Oakes, Biloxi Hoang Le, Gulfport Bob Marsh, Ocean Springs Delayne McGowan, Flowood Bettina Montgomery, Oxford Gloria Oakley, Hernando Brooke LeBlanc, Mc Comb Jeanelle Marshall, Madison Faye McGuffee, Clinton Thomas Montgomery, Oxford Emily O'Beirne, Natchez Margarita Leblanc, Olive Jonathan Marshall, Gulfport J. D. McIntosh, Flowood Doris Moody, Columbus Cara O'Bryant, Hernando Branch Richard Marshall, Gulfport Rita McIntosh, Flowood Janet Moody, Olive Branch Paul Ockmand, Lumberton Philip LeBlanc, Long Beach Tammy Marshall, Picayune Pam McKay, Grenada Barbara Mooney, Columbus Cliff O'Conner, Senatobia Stephanie LeClair, Grenada Dean Martel, Gulfport Jeff Mckelroy, Hernando Eric Moore, Quitman Beverly Odom, Collinsville

28 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 29

Diane Odom, Memphis Lynn Pfund, Germantown Kent Raulston, Gulfport Jean Rushing, Madison James Sills, Madison Kurt Olivent, Southaven Elaine Phelps, Ridgeland Ginny Ray, Jackson Kathleen Rushing, Jackson Amber Simmerman, Southaven Canda Olmi, Bay Springs Gerald Phillips, Laurel Annette Rayburn, Jackson Lonnie Rushing, Clinton Margaret Simmons, Gulfport Courtney Olsen, Gulfport Hallie Phillips, Meridian Barbara Rea, Meridian Stephanie Russo, Picayune Suzanne Simmons, Flowood Susan O'Mara, Ridgeland Janice Phillips, Saltillo Diana Rea, Columbus Cindy Ruth, Grenada Larry Simons, Flowood Erica O'Neal Leidigh, Wiggins Mary Phillips, Gulfport Bobbie Ready, Tupelo Denise Rutherford, Waveland Collier Simpson, Madison Eunice Ooi, Gulfport Robin Phillips, Olive Branch Maxie Rebsamen, Greenville Kim Rutland, Hattiesburg Judith Simpson, Tupelo Tina O'Quinn, Tupelo Thomas Phillips, Columbus Cheryl Reed, Meridian James Ryals, Biloxi Kimberly Simpson, Gulfport Burgess Orgeron, Tina Phillips, Gulfport Chris Reed, Grenada Ron Ryals, Columbia Jean Sims, Gulfport Diamondhead Harry Piascik, Ocean Springs Clayton Reed, Nesbit Jeremy Ryan, Collierville Martha Sims, Laurel Michael Oswalt, Madison Lydia Pickard, Biloxi Kimberly Reed, Columbus Amanda Ryle, Gulfport Casey Sipili, Hattiesburg Kane Overstreet, Starkville Marty Pickard, Hernando Lisa Reed, Collinsville Charlotte Sadler, Biloxi Dolly Skelton, Southaven Virginia Overstreet, Gulfport Sandi Pickard, Gulfport Robin Reed, Starkville Tommy Salmon, Olive Branch Heather Skelton, Potts Camp James Overton, Natchez Tracy Pickett, Oxford Vickie Reel, Brandon Dee Salvas, Gulfport Dorothy Slade, Hattiesburg June Owens, Hattiesburg Bettye Pierce, Hattiesburg Katherine Regimbal, Columbus Mark Samsel, Clinton Alice Smith, Ridgeland Anthony Pace, Gulfport Kevin Pierce, Tupelo Sharon Register, Hattiesburg Richard Sanchez, Gulfport Bo Smith, Jackson Debra Pace, Hattiesburg Bob Pillow, Jr., Madison Betsy Rettig, Saucier Sandra Sanchez, Gulfport Cameron Smith, Brookhaven Kassie Paddock, Flowood Susan Pinkston, Ridgeland Scott Rheams, Biloxi B.L. Sanders, Olive Branch Carrie Smith, Picayune Travis Paige, Biloxi Sheila Pinnix, Southaven Gina Rhett, Columbus Brandon Sanders, Madison Charlie Smith, Greenwod Christine Palmer, Ridgeland Colleen Pitre, Carriere Kathryn Rhett, Columbus Debra Sanders, Madison Christine Smith, Jackson Doy Palmer, Mccomb Mike Pittman, Clarksdale Emily Rhinelander, Biloxi Larry Sanders, Madison Cindy Smith, Flowood Jeff Palmer, Purvis Linda Pitts, Brandon Ronnie Rhoda, Southaven Melanie Sanders, Greenville DeLois Smith, Hattiesburg Kathy Palmer, Hattiesburg Penny Pitts, Flowood Edith Rhodes, Brooklyn Sheila Sanders, Greenwood Diane Smith, Madison Stephanie Palmer Cummins, Hal Pleasants, Greenwood Janice Rhodes, Starkville Leah Sandidge, Clinton Doris Smith, Holly Springs Ridgeland Sharon Plunkett, Ridgeland Melissa Rhodes, Madison Jimmie Sandifer, Jackson Dorothy Smith, Jackson Carla Palmer-Allen, Ridgeland Yancy Pogue, Bay Saint Louis Katherine Richard, Pass Joderick Sandifer, Jackson Ellen Smith, Madison Ronald Panissidi, Nesbit Amanda Polles, Ridgeland Christian Marilyn Sappington, Pontotoc Jacquelyn Smith, Natchez Melissa Parish, Southaven Sharon Pompelia, Meridian Paula Richards, Collinsville Barbara Sauls, Laurel Jane Smith, Columbus Phield Parish, Greenville Josh Poole, Jackson Barbara Richardson, Jackson Tracy Sauls-Mason, Ridgeland Jane Smith, Jackson Gary Parker, Flowood Wanda Poole, Oxford Lois Richardson, Biloxi David Saulters, Hattiesburg Jeffrey Smith, Southaven Kelly Parker, Mccomb Francis Poolson, Gulfport W. Dillard Richardson, Saltillo Natalie Savell, Madison Johnny Smith, Meridian Olivia Parker, Saltillo James Pope, Columbus Paula Ricks, Ridgeland Reginald Savoie, Poplarville Justin Smith, Brandon Phyllis Parker, Jackson Constance Portas, Gautier Sarah Rider, Biloxi Jane Sawyer, Long Beach Kathryn Smith, Ellisville Samantha Parker, Olive Branch Cyndi Porter, Hernando Keith Ridgeway, Laurel Betty Saxton, Madison Lisa Smith, Southaven Linda Parks, Ocean Springs Terri Posey, Madison Bob Ridgway, Jackson Debbie Scairono, Gulfport Monte Smith, Tupelo Yolanda Parris, Byram Glenda Poulos, Gulfport James Ridgway, Madison Melissa Scheid, Saucier Patricia Smith, Gautier Diana Parrish, Brandon Martha Powell, Olive Branch Joyce Riley, Tupelo Susan Schneeflock, Ridgeland Ronald Smith, Tupelo Steven Pascua, Gulfport Zeke Powell, Hattiesburg Alex Riser, Kosciusko Linda Schonewitz, Saucier Sharon Smith, Jackson Bradley Patano, Biloxi Curtis Powell, Jr., Brandon Steve Rives, Clinton William Schonewitz, Biloxi Stephany Smith, Brookhaven James Patano, Biloxi Lynette Praytor, Flowood Kimberly Robbins, Collinsville Brandy Schulz, Tupelo Jim Smithson, Olive Branch Jason Patrick, Hattiesburg Joseph Presley, Kosciusko Marley Roberson, Jackson Lindsey Scollard, Hattiesburg Sharon Sofford, Pass Christian Douglas Patterson, Amory Ann Prewitt, Ridgeland Pamela Roberson, Oxford Charles Scott, Carriere Carmen Sones, Poplarville Tina Pavlov, Gulfport Ronald Prewitt, Madison Joel Roberts, Petal Ereka Scott, Madison Amy Sonnier, Ocean Springs Alicestine Payne, Memphis Beth Price, Olive Branch Tracy Roberts, Jackson Virginia Scott, New Albany Lori Sorenson, Powhatan Barbara Payne, Gulfport Debra Price, Southaven Cindy Robertson, Clinton Sherry Scott-Chambers, Mike Soutullo, Pearl Neil Payne, Jackson Terrie Price, Ocean Springs Ervin Robertson, Ridgeland Memphis Janet Spain, Flowood Gerry Peak, Germantown Virginia Primos, Jackson Julie Robertson, Hattiesburg Kimberly Seal, Long Beach Ramona Spann, Jackson Christopher Peaks, Olive Mark Prince, Tupelo Debbie Robinson, Brandon Taravia Seals-Harris, Madison Brenda Spencer, Tupelo Branch Cynthia Pritchard, Gautier Jacqueline Robinson, Clinton Steve Seaman, Pascagoula Karen Spencer, Grenada Brenda Pearce, Tupelo Sherry Pullens, Hattiesburg Donna Robison, Olive Branch Linda Seifert, Hattiesburg Woody Spiers, Picayune Joyce Pearson, Booneville Jill Pulliam, Hernando Rhonda Rodgers, Pontotoc Louann Sekul, Ocean Springs Evelyn Spillers, Oxford Wendy Peavy, Biloxi Victoria Pumford, Long Beach Shirley Roe, Flowood Barbara Sellers, Hattiesburg Donna Spooner, Ridgeland Sonya Peck-Imomoh, Horn Chris Purser, Madison Amy Rogers, Olive Branch Larry Semski, Ocean Springs Countina Spurlock, Mccomb Lake Pam Pybas, Madison Bennie Rogers, Laurel Teri Shaifer, Natchez Candace Spurzem, Flowood Chris Peede, Brandon Judy Quick, Madison Debbie Rogers, Madison Delphine Shanks, Jackson Lisa Stala, Gulfport Margaret Peel, Tupelo Janie Quin, Ridgeland Pamela Rogers, Olive Branch Monique Shannon, Brookhaven Victor Stanfield, Gulfport Kenneth Peeples, Bude Jason Quinn, Jackson Philip Rogers, Hattiesburg Richard Shapley, Ridgeland Michelle Stanley, Columbia Jacqueline Pegues, Oxford Becky Rader, Ridgeland Robert Rollins, Mc Comb Kass Sharp, Starkville Patti Stark, Pontotoc Debbie Pennington, Coldwater Carol Rafferty, Pass Christian Brenda Rollinson, Mccomb Stephanie Shaw, Gulfport Kelley Starnes, Brandon Suzanne Pennington, Southaven Monica Rainey, Olive Branch Sonya Romero, Ocean Springs Ron Sheets, Cordova Linda Starns, Madison Anika Perkins, Columbus Sarita Rainey, Meridian Viera Roseburgh, Jackson Thomas Shelton, Vicksburg Kay Staten, Grenada Pete Perkins, Columbus Jim Raley, Madison George Roser, Southaven Estelle Sherer, Clinton Beth Stauffer, Tupelo Sally Perkins, Hattiesburg Suzanne Raley, Meridian Jordyn Rosetti-Favret, Gulfport Ginger Sheriff, Florence Anna Stedman, Natchez Tina Perkins, Ocean Springs Jennine Ramage, Hernando Lawrence Ross, Ocean Springs Ida Sherman, Ocean Springs Doe Steely, Flowood Teena Perry, Hattiesburg Mindy Ramey, Corinth Sheila Ross, Madison Richard Shields, Jackson Christian Stefferud, Madison Karen Peters, Gulfport Brenda Ramm, Pascagoula Kathy Rouchon, Brandon Carol Shippey, Bay St. Louis Edward Stephenson, Oxford Michael Peters, Jackson Dero Ramsey, Starkville Lazaro Rovira, Pass Christian Clay Short, Tupelo Stephen Stetelman, Hattiesburg Mitchell Peters, Jackson Doris Randall, Gulfport Karla Rucker, Saltillo Ellen Short, Tupelo Penny Stettinius, Picayune Samuel Peters, Jackson Patsy Randle, Starkville Geney Ruesga, Biloxi Janice Shows, Ridgeland David Stevens, Clinton Twila Peterson, Gautier Jeff Rankin, Ridgeland Theda Ruff, Madison Sheri Shramek, Clinton Jonathan Stevens, Kosciusko Leslie Pettey, Tupelo Karen Rasberry, Laurel Michele Rumbley, Madison Nancy Shroyer, Gulfport Ronnie Stevenson, Greenwood Cecil Pettis, Hernando Leslie Ratcliff, Flowood Heath Rushing, Tylertown Barbara Shute, Picayune Alahna Stewart, Flowood

29 / MISSISSIPPI REAL ESTATE LEADER /Winter 2014 RE LEADER WINTER 2014_LAY1 1/3/14 10:41 AM Page 30

Barbara Stewart, Byhalia Dee Tharp, Germantown Kathryn Vickers, Madison Randy Westrick, Gulfport Yvonne Winstead, Vicksburg Carol Stewart, Canton Barry Thomas, Grenada Mark Vinson, Ridgeland Theresa Weyland, Gulfport Eugenia Winston-Crowley, Gary Stewart, Brookhaven Cindy Thomas, Hernando Jessica Virden, Germantown Brenda Wheeler, Biloxi Greenville Jesse Stewart, Vaiden Elizabeth Thomas, Hernando Gwenn Voigts, Pass Christian April White, Ocean Springs Bridgett Winters, Greenville Julene Stewart, Jackson Jessica Thomas, Ridgeland Emmett Wade, Hernando Bart White, Baldwyn Theo Wise, Madison Maya Stewart, Hattiesburg Katie Thomas, Flowood Lynn Wade, Ocean Springs Jonathan White, Meridian Sarah Wittman Barton, Biloxi Paula Stewart, Sardis Mary Thomas, Jackson Tiffiny Wade, Flowood Mae White, Oxford Betty Womack, Tupelo Perry Stewart, Hattiesburg Naomi Thomas, Pascagoula Ruth Wadley, Madison Rebecca White, Southaven Charles Wood, Pass Christian Stephanie Stewart, Oxford Rick Thomas, Gulfport Gay Waites, Ridgeland Robert White, Gulfport Jessica Wood, Madison Susan Stewart, Ridgeland Shirley Thomas, Tupelo Brenda Waldrop, Columbus William White, Olive Branch Chad Woods, Ocean Springs Vanessa Stinson, Laurel Terrell Thomas, West Point Justin Waldrop, Tupelo Candy Whitehead, Ridgeland Laurence Woods, Liberty Darrell Stirewalt, Hattiesburg Terry Thomas, Carthage David Waldroup, Biloxi Teresa Whitehead, Madison Lindsey Wool, Mccomb Richard Stockett, Crystal Denise Thomas -Touchstone, Debbie Walker, Flowood Debbie Whitfield, Saucier Mary Jane Wooten, Vicksburg Springs Hattiesburg Deborah Walker, Jackson Dianne Whitfield, Oxford Melba Wooten, Hernando Pamela Stockstill, Picayune Dorothy Thompson, Jackson Grace Walker, Tougaloo Glenn Whitfield, Madison Nancy Wooten, Brookhaven Bill Stoddard, Hernando Gloria Thompson, Jackson Jason Walker, Gulfport Rachel Whitt, New Albany Kathy Worthy, Collierville Bobby Stokes, Ridgeland Jesse Thompson, Jackson Mary Walker, Jackson Angie Whitten, Columbus James Wright, Olive Branch Christy Stokes, Lakeland LaChoya Thompson, Olive Vicki Walker, Madison Patton Whitten, Columbus Jane Ann Wright, Jackson Dawn Stolz, Bay St. Louis Branch Arlene Wall, Gulfport Sue Whitten, Columbus Justin Wright, Jackson Charles Stone, Greenville Martha Thompson, Oxford Gail Wallace, Southaven Kathy Whittington, Ocean Sandra Wright, Hattiesburg Fay Stone, Greenville Matthew Thompson, Jackson Teresa Wallace, Senatobia Springs Sandra Wright, Ellisville Christopher Stovall, Summit Donna Thornton, Vicksburg Linda Walsh, Ocean Springs Rebekah Whittington, Brandon Tina Wright, Madison Rosemary Stovall, Madison Sherri Thornton, Pascagoula Timothy Walter, Gulfport Patricia Whitton, Clinton Walter Wright, Lucedale Jacob Strait, Vicksburg Deborah Tierce, Tupelo Mary Walters, Aberdeen Britt Wicker, Oxford Elizabeth Wroten, Byram William Strauss, Columbus Vicki Tindall, Madison Fred Walton, Memphis Teresa Wieck, Ocean Springs Karla Wroten, Natchez Nancy Street, Hattiesburg Sean Tindell, Gulfport Robin Walton, Tupelo Jay Wiegartner, Jackson Sybil Wroten, Vidalia Scott Stribling, Clarksdale Lisa Tingle, Beaumont Danny Ward, Jackson Natalie Wiggins, Hattiesburg Nell Wyatt, Ridgeland William Strickland, Lucedale Brent Tippitt, Southaven Elsie Ward, Memphis R.J. Wilbanks, Olive Branch Vic Wyatt, Ridgeland JoAnna Stricklin, Brandon JAMIE TIPTON, Hernando Steve Ward, Columbus Watkins Wild, Mccomb Virginia Wyatt, Madison Troy Stricklin, Gulfport Ann Tolbert, Brandon Betty Ware, Grenada Brenda Wiley, Ridgeland Kelli Yates, Madison Raymond Stronsky, Gulfport Ben Tolbert, Olive Branch Bobby Ware, Gulfport Patsy Wilgus, Hattiesburg Shannon Yawn, Hattiesburg Debbie Stroo, Petal Sally Toler, Natchez John Warner, Jackson James Wilkerson, Madison Janet Young, Greenwood Annette Stroupe, Senatobia George Tomlinson, Oxford Jason Warren, Tupelo Pam Wilkerson, Hattiesburg John Young, New Albany Martha Strum, Gautier Terry Tomlinson, Southaven Kathryn Warren, Ridgeland Harriett Wilkinson, Starkville Pete Young, Flowood Tracy Stubblefield, Hernando Charles Tompkins, Oxford Letha Warren, Columbia Melinda Wilkinson, Jackson Richard Young, Brandon Roger Sturdivant, Brandon Chad Toney, Liberty Regina Warren, Long Beach Rachelle Wilkinson, Olive Staffardnett Young, Collierville Basil Sullivan, Jackson Lesly Toohey, Ridgeland Richard Warren, Natchez Branch Toya Young, Brandon Betty Sullivan, Jackson Philip Torjusen, Pascagoula Rob Warren, Brandon Beth Williams, Tupelo Young Yu, Hattiesburg Jeanette Sullivan, Diamondhead Seth Touchstone, Mccomb Tina Warren, Ocean Springs Chance Williams, Senatobia Joel Zimmerman, Tupelo Allan Summerlin, Madison Richard Travers, Germantown Kara Washington, Flowood Cherry Williams, Columbus Christy Sumrall, Laurel Troy Trigg, Ocean Springs Janet Waterhouse, Ocean Deborah Williams, Batesville Sue Sunderland, Gulfport Ed Truett, Jackson Springs Faye Williams, Gulfport Richard Sutherland, Pascagoula Rick Truitt, Greenwod Jeffrey Waters, Olive Branch Gregory Williams, Ocean Jane Swain, Ridgeland John Trusty, Greenwood Adam Watkins, Hattiesburg Springs Edgar Sweatt, Gautier J. Mark Tucker, Ellisville Bud Watkins, Terry Hilbert Williams, Columbus Linda Swinney, Tupelo Katrina Turk, Hattiesburg Mary Watkins, Flowood Jeff Williams, Ecru Mary Swoope, Madison James Turner, Madison Carla Watson, Vicksburg Leslie Williams, Gulfport Angela Sylvester, Southaven Jane Ann Turner, Ellisville Catherine Watson, Ridgeland Stephanie Williams, Flowood Suong Tang, Biloxi Jessica Turner, Oxford Sonett Watson, Ridgeland Joyce Williamson, Gulfport Rachel Tate, Gulfport Sandy Turner, Tupelo Michelle Way, Flowood Nenar Williamson, Hattiesburg Kutenia Tate-Good, Ridgeland Sarah Turner, Madison Ernie Webb, Brandon Bradley Williford, Ridgeland Debra Tatum, Ocean Springs Dominic Tusa, Biloxi Howard Webb, Madison Christy Willis, Madison Erik Tatum, Madison Mary Janita Tyree, Jackson Judy Webb, Starkville Jesse Willis, Vicksburg Ann Taylor, Ocean Springs Michael Ueltschey, Jackson Larry Webb, Olive Branch Rosa Willis, Olive Branch Dottie Taylor, Grenada Patricia Umberger, Sardis Laurie Webb, Olive Branch Alex Wilson, Flowood Jamie Taylor, Columbus Marjorie Underwood, Jackson Mary Webb, Gulfport Chris Wilson, Laurel John Taylor, Columbus Caroline Upthegrove, Saltillo Michael Webb, Columbia Dimona Wilson, Flowood Marsha Taylor, Holly Springs George Upton, Brookhaven Robert Webb, Gulfport Judy Wilson, Olive Branch Richard Taylor, Mccomb Jo Usry, Jackson Sandy Webb, Gulfport Keith Wilson, Southaven Terry Taylor, Southaven Lisa Utterback, Hernando Rita Webster, Madison Matt Wilson, Southaven Tim Taylor, Water Valley Lynda Vail, Columbus Jodi Weeden, Tupelo Michelle Wilson, Gulfport Vicki Taylor, Cleveland Tammy Valente, Carriere Mona Weeden, Tupelo Pattye Wilson, Greenville Philip Teel, Holly Springs Helen Valentine, Meridian Edith Weems, Southaven Sandra Wilson, Pass Christian Taffy Teeter, Madison Martha Jo Vance, Jackson Kyla Weems, Jackson Sydney Wilson, Brookhaven Lynn Telano, Louisville Melinda Vassalli-Clark, Gautier James Weidlein, Oxford Jeremy Winborne, Jackson Grace Templet, Picayune Cassandra Vaughan, Meadville Barbara Weir, Collierville Ronald Windham, Ellisville Cathy Terrell, Brandon Melissa Vaughn, Mathiston Zeno Wells, Gulfport Rosemary Windham, Oxford Patrick Terrell, Byhalia Sandra Vaughn, Laurel Mauri Welzien, Ridgeland Caitlin Wing, Madison Annette Terry, Biloxi Chris Veal, Madison Kenneth West, Hattiesburg Barbara Winkworth, Natchez Rita Tetzlaff, Picayune Sharon Vecchione, Olive Vicki West, Tupelo Michele Winstead, Meridian Terry Tetzlaff, Picayune Branch Lorie Westbrook, Ocean Terry Winstead, Meridian Kellie Thames, Rayville Cindy Vick, Hernando Springs Thellis Winstead, Meridian

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