For the RECOrd Spring 2014

Transcription

F O R
T H E
RECOrd
PUBLISHED BY THE REAL ESTATE COUNCIL OF ONTARIO FOR REAL ESTATE PROFESSIONALS • SPRING 2014
YOUR
VOTE IS
YOUR
VOICE!
RECO’S 2014
ELECTION OF
DIRECTORS
Former Chairs explain
why voting matters
Registrant survey
predicts big changes
for the profession
Digital campaign shows
buyers and sellers how to be
“home smart”
VOTING
MATTERS!
FORMER CHAIRS EXPLAIN WHY
REGISTRANTS SHOULD VOTE
Every year, registrants have a chance to guide the future of the real estate profession
by electing Directors. RECO spoke to three former Chairs to ask them about their
experience on the Board and why they think voting is important.
WHY DID YOU DECIDE TO SERVE AS A DIRECTOR?
I saw that RECO was not a real estate organization, but a consumer protection
organization. I thought it was important to have representation for the real
estate community.
WHY IS IT IMPORTANT TO VOTE IN RECO’S ELECTION?
T O M BOSLEY
– REG ION 1
Director 1997-2008
Chair 2000-2001
Member of RECO’s
first Board
Directors have a say in where the industry is going. You look at our ethics, you look
at our rules and regulations, the things that real estate professionals deal with every
day, they’re governed by RECO. If you don’t take an interest, you’ve got a problem.
The decisions made by RECO’s Board affect every real estate professional and every
consumer in the province.
WHAT WOULD YOU SAY TO BROKERS AND SALESPEOPLE
WHO DON’T VOTE?
It’s indicative of a great deal of apathy. There are over 60,000 members. People can’t
even take the time to sit at their computer for two minutes to make a decision and I
think it’s very sad. If you don’t bother to vote, you don’t get a say. It’s important that
people get involved in the process.
2
SPRING 2014
We had a clean slate. We had been lobbying the government for 30 years to get
some say in what was going on in the real estate business. There was no discipline
process, no remedy for consumers, no consumer protection at all. All of us on the
inaugural board wanted to put things in place for consumers and registrants – like
the insurance program.
R OSE LERO UX
– REG IO N 2
Director 1997-2002
Chair 1999-2000
Member of RECO’s
first Board
I think that if there were a sufficient number of people interested in participating
and interested in advancing the business then the government would pay more
attention to us. There are nine registrants on the board and we lobbied hard for
that. Those registrants can bring forward the aspirations and sentiments of the
registrants in their area.
WHO DON’T VOTE?
Don’t they want a say in where the business is going? They complain a lot when
things aren’t going their way, but if you complain and you don’t give back and
participate, then you don’t have a right to complain.
I had a concern that with a new regulatory organization, small brokerages and small
communities might be overlooked if they didn’t have proper representation. That’s
why I wanted to be a member. We had a great board and I always felt that we were
listened to and the interests of smaller communities were paid attention to.
T ERRY LANDON
– REG IO N 3
Director 1997-1999,
2002-2005
Chair 2004-2005
Member of RECO’s
first Board
The role of a Director is to ensure the continuity of a fair and safe marketplace and
an environment where brokerages can operate their businesses properly. If we don’t
pay attention to who’s sitting at the table, RECO’s Board might lose its effectiveness
and credibility. RECO’s Board ultimately has quite a bit of power. If you put the wrong
people in, the wrong message is going to get out. Become aware of who the best
candidates are and make the effort.
WHO DON’T VOTE?
We’ve been lucky that the vast majority of Directors have gone in with the right
motives. If you don’t make yourself aware and you don’t vote you get what you
deserve, and sometimes that might not be the right people.
3
SPRING 2014
YOUR VOTE
IS YOUR
VOICE!
RECO’S 2014
ELECTION OF
DIRECTORS
Voting in RECO’s Election of Directors is
your opportunity to have your say in RECO’s
leadership. Voting is now open and will remain
open until Monday, May 5 at 4:30 p.m.
Voting instructions were sent via email in early April by Computershare, the company responsible for the election process.
Instructions included a unique voter control number, necessary to complete the voting process, and a website link to login
and vote. Voting is being conducted online only.
LEARN ABOUT THE CANDIDATES
VIDEOS
For the first time, candidates were invited to submit a
video with their nomination to introduce themselves to
voters and explain why they should be elected.
Don’t forget to vote!
Visit RECO’s website and check out the videos in the
“About RECO” section.
Computershare
1-800-564-6253
BIOGRAPHIES
You can also learn about the candidates running for
election this year in the biographies section of this
newsletter. The content contained in the candidate
profiles was supplied by each nominee.
Be sure to mention that you are a voter in the Real Estate
Council of Ontario election.
For questions related to the voting process or if you have
misplaced your unique voter control number, please contact:
For more information about the 2014 Election,
visit www.reco.on.ca.
4
SPRING 2014
2014 Election of Directors —
HERE ARE YOUR
CANDIDATES
Below are profiles of each of the candidates running in the 2014 Election of Directors.
The content contained in the candidate profiles was supplied by each candidate.
Region 1 - Central Ontario
STANLEY L. ALBERT, Broker
Email: stanalb@rogers.com
Re/Max Crossroads Realty Inc., Brokerage
Years Registered: 43
Area(s) of expertise, committee experience (RECO, real estate,
other), additional comments:
- Accredited Buyer Agent; Accredited Senior Agent (assisting in
initiating course)
- Member of TREB since 1979 to present
- Broker since 1974; Broker/Owner 1975 – 1979
- C
ommittee member of: Education, Ethics, Ethics Awareness;
Government Relations, Ethics Appeals from 1981 – 2009
- Trainer with W. Frank Realty 1979 – 1980
- Chair of Ethics Taskforce 1992
- Broker/Manager and Executive V.P. with Safeguard Real Estate
1981 – 1991
- Served on RECO Tribunal 1999 – 2000
- Served on OREA Task Force Form Committee 2013; and
- Contributor to REM from 1999 – 2014 (present) with over 145 articles
including topics on: Ethics, Education, Commissions, SPIS,
Q&A interviews, etc.
- Contributed to OREA Survey of Needs 2013
- Registered trainer – Buffini Co.; Succeed Training Programs
5
SPRING 2014
Region 1 - Central Ontario continued
KEVIN CRIGGER, Broker
Email: kevin@kevincrigger.com
Royal LePage Real Estate Services Ltd., Brokerage
Years Registered: 3
As an experienced entrepreneur I have been self-employed for most
of my career and have been fortunate to have had diverse experience
working within a number of industries. Prior to entering the real estate
profession I was the principal of a successful consulting practice for
nearly ten years, working with clients in the very competitive luxury
market throughout North America, Europe and Asia. Having always had
a passion and great interest in real estate, I made a major career change
and completed my licensing courses in 2010 and have since completed
my Broker’s designation in 2013. Since becoming a registrant, I have
been a full time Realtor with Royal LePage R.E.S. Ltd., Johnston & Daniel
Division, Brokerage.
Real Estate is an amazing profession with virtually limitless
opportunities for financial success, personal and professional
development, and is a unique outlet for entrepreneurs looking to
build a business specific to their personal goals and objectives.
Acting as professional advisors in some of the single largest financial
transactions our clients will ever complete, and guiding them through
the process of buying and selling their homes, we also have a great level
of responsibility. As the landscape of our society continues to change,
we need progressive leadership who will enact change within our
profession to ensure its continued strength and reputation long term.
With technological advancements, changing government regulations,
and unparalleled consumer access to information, our roles as registrants
are quickly changing as well. Consumers have heightened expectations
and are better informed than ever before.
Real estate is, and always has been, a destination for individuals
attracted by the potential for financial gain, but we must ensure that
all our colleagues have the necessary education, training, and experience
to provide consumers with the highest level of competent, qualified,
and informed service possible. To continue increasing professionalism,
it is necessary to enact changes to our current licensing education
requirements, to create a clearly outlined professional development
program for new registrants with participation from Brokers of Record
and to develop relevant continuing education content which addresses
present day concerns and allows us as registrants to better serve
our clients.
BRANDEN KAMEKA, Broker
Email: brandenkameka@gmail.com
The Realty Shop Inc., Brokerage
Years Registered: 5
Broker/Co-Founder/Co-Owner of The Realty Shop Inc., Brokerage
2011- Present Sales Associate for Medallion Developments
2014 Chair of The Young Professionals Network for the Mississauga
Real Estate Board
2014 Membership Committee for the Mississauga Real Estate Board
2013/2014 Volunteer at the Ontario Real Estate Association for The
Young Professionals Network.
In my five years of experience as a realtor in Ontario, I have discovered
that professionalism is critical in real estate. It is my belief that a set
of standards needs to be continuously developed to hold realtors
accountable. As a region one director, my focus will be on balancing
the role of the realtor and the Real Estate Council of Ontario (RECO)
6
regulations. RECO regulates activity in the public’s interest, and it is in
the best interest of the public to hire a realtor, as the realtor brings their
unique knowledge and skill set to the real estate transaction. As your
RECO region one director, I will help advocate for the role of a realtor,
and work to streamline a sense of professionalism in the industry with a
goal to assist realtors to work together in an efficient manner.
Emphasis must be placed in bridging the gap of expertise between
experienced realtors and those new to the industry. This can be
accomplished by means of enhancing communication and setting up
programs for networking opportunities.
Furthermore, as times are changing, new technologies are becoming
readily available for realtors to enhance their efficiency and productivity
which work to benefit themselves and their clients.
As a region one director, I plan on empowering realtors to advance their
technological skills to propel the industry in remaining current and an
asset to public interest.
SPRING 2014
RICHARD (RICK) KEDZIOR, Broker
Email: rick@rickkedzior.com
Re/Max Aboutowne Realty Corp., Brokerage
I have a broad range of experience serving Not for Profit Boards. I have
served as President of the Oakville Chamber of Commerce (O.C.C.) and
The Oakville, Milton and District Real Estate Board (OMDREB). I have
served as a Board Member for the following: The Ontario Chamber of
Commerce, Ontario Real Estate Association (O.R.E.A.) Provincial Director,
Central Ontario. The Halton Lung Association, The Hamilton and District
Touch Football Association. I have been a member or Chairperson of the
following task forces and committees: TREB MLS provider task force,
TREB REBBA 2002 task force, OMDREB – Executive, MLS provider Task
Force, Finance, MLS, Arbitration & Discipline, Nominations, Government
Relations, O.C.C. – Executive, Business awards selection committee,
Strategic planning, Finance, Nominations, Government Relations, OREA
– Government Relations.
Prior to the establishment of RECO the public perception of
objectivity with individual Real Estate Boards handling of complaints
and enforcement was lacking. That perception contributed to the
public’s lack of confidence in the professionalism and ethical behavior
of our industry.
Since its inception in 1997 I believe that RECO has done an excellent job
in protecting the interests of the consumer along with increasing Realtor
professionalism. Having said that there is always room for improvement
and I would like to see a more proactive approach along with
punishment that fits the crime. In some instances I find the penalties
too harsh for honest mistakes. As a Director I will strive to promote an
equitable balance of enforcement penalties while maintaining the
current level of excellence that RECO has established.
I believe that my volunteer contributions along with my 20 years of
experience as a full time practicing Real Estate Broker and my 20 years’
experience in Retail Finance will lend itself to a well rounded
representative on the RECO Board of Directors.
HARJIT SINGH KHALSA, Broker
Email: harjit@khalsa.com
Homelife Superstars Real Estate Limited, Brokerage
Area(s) of expertise, committee experience (RECO, real estate, other), additional comments:
- I have been selling Residential and Commercial Real Estate since 2002.
- I have more than 25 years’ experience in Information Technology, Administration and Public Relations.
- I have been actively involved in many social and charitable organizations.
- Completed OREA’s Leadership 100 – On the Path to Leadership.
7
SPRING 2014
ROBERT SOPRONEY, Salesperson
Email: rsoproney@trebnet.com
Re/Max Realty Enterprises Inc., Brokerage
City of Mississauga – Public Advisory Committee – 3 Terms (9 Years),
last term as Vice-Chair.
Member of RECO’s Discipline and Appeals Committee (Since 2000)
WHEN ELECTED, EXPECT DUTIES TO BE CARRIED OUT IN A
PRECISE, CONSCIENTIOUS MANNER. NO DISAPPOINTMENTS!
TREB Hearing Panel (10 years)
A VOTE FOR ROBERT SOPRONEY INSURES A VOICE IN RECO
FOR YOU!
MREB Investigation/Hearing Panel (1995-2000)
MREB Director 1998/99
MREB Chairman of Operations/Social Committee Chair/Member of
Nomination Committee/Web Design Committee
BRIAN TORRY, Broker
Email: btorry@bosleyrealestate.com
Bosley Real Estate Ltd., Brokerage
As your Director my focus will be;
1) To improve RECO’s value and service to its paying membership.
2) To keep our dues and fees as low as possible while maintaining
strong service levels.
3) To promote the use of real estate professionals in real estate
transactions.
My 11 years in real estate sales and 5 years managing a 60 agent real
estate office keeps me keenly aware of both consumer and Realtor
needs in the Marketplace and the legislation that governs our industry.
My expertise also includes knowledge of strategic planning at both the
participant and facilitator level in real estate, corporate and not for
profit business.
8
Committee and Volunteer Work
• Vice Chair Professional Standards, Toronto Real Estate Board
(2013-2014)
• Vice Chair Arbitration, Toronto Real Estate Board (2011-2013)
• Arbitrator and Mediator, Toronto Real Estate Board (2007-2013)
• Arbitration and Professional Standards Steering Committee,
Toronto Real Estate Board (2014)
• Government Relations Committee, Toronto Real Estate Board
(2012-2014)
Board Experience
• Member of the Board, Parkdale Neighbourhood Land Trust (2014)
• Treasurer, President, My School Co-operative Nursery School
(2007-2008, 2010-2011)
• Chair, Roncesvalles-Macdonell Residents’ Association (2007-2014)
• Member of the Board, Roncesvalles-Macdonell Residents’ Association
(2001-2007)
SPRING 2014
AKBAR ZAREH, Broker
Email: akbar@rogers.com
Kingsway Real Estate Inc., Brokerage
PLATFORM
EXPERIENCE
- 25 year member of the Toronto Real Estate Board
- 15 year Broker of Record for Re/Max and Kingsway Real Estate
1. C
ontinue to pursue provincial legislation changes that will allow real
estate salespeople to incorporate their businesses for tax-savings
benefits.
2. P romote and implement a new and improved RECO Identification
Card that will incorporate the registrant’s photograph and signature
to replace the current paper license.
3. E stablish and promote a system to address phantom offers using
registered buyer representation agreements.
Platform details can be found at www.LetsIncorporateAgents.com
- TREB Condo Committee (2010-2011)
- TREB Condo Task Force (2009-2010)
- TREB Government Relations Committee
- MREB Board of Directors (2000-2002)
- BREB Arbitration Committee (2013-2014)
- BREB Board of Directors (2014-2016)
- Member of various other committees and task forces.
Region 2 - Western and Southern Ontario
In accordance with Section 7 of RECO By-Law No. 9 - Acclamation, Tom Wright, President/CEO of RECO, declares Rebecca Ryder, Broker,
Royal LePage Burloak Real Estate Services Ltd., Brokerage elected as a Director in Region 2.
REBECCA RYDER, Broker
Email: rebecca@royallepgage.ca
Royal LePage Burloak Real Estate Services Ltd., Brokerage
9
SPRING 2014
Region 3 - Eastern, Northeastern & Northern Ontario
STEVE BOXMA, Broker
Email: steveboxma@royallepage.ca
Royal LePage Team Realty Inc., Brokerage
Please vote for Steve Boxma so that he can be your representative
at RECO.
Steve has been a member of the Ottawa Real Estate Board since 2004,
and has been a registered Broker since 2008.
He is very active in his Brokerage’s charitable foundation.
Steve resides on the southern edge of Ottawa, in the Village of Manotick
with his wife and 2 daughters.
School’s Alpine Ski Team. He is a volunteer at the Manotick Art
Association’s annual Art Show, is involved with his branch’s Community
Relations Committee, and has been a long time participant in
recreational hockey and baseball leagues in Manotick.
Prior to joining the Ottawa Real Estate Board, Steve worked with his
father operating a Canada Customs bonded warehouse, and sat on the
Board of the Canadian Highway Sufferance Warehouse Association.
Steve would be happy to discuss his background and experience and
you are welcome to contact him at 613-692-3567.
Steve believes that having a strong sense of community makes for a
better place to live and has volunteered his time on the Manotick Public
School’s Parent’s Council, as well as coaching South Carleton High
SUE TALLEN, Broker
Email: sue@suetallen.com
Royal LePage ProAlliance Realty Corporation, Brokerage
I was licensed as a salesperson in 1985 and obtained by broker’s license
in 1989.
Throughout my career I have been actively involved in organized real
estate. Some of the highlights include being an OREA Director
representing Eastern Ontario 2007 and 2008, having been President
of the Kingston and Area Real Estate Association in 2004 and 2010.
When elected I will bring a common sense approach to solving
challenges we face in our industry and will be a strong advocate for
change if required. I envision a RECO that promotes the highest levels
of skill and professionalism from its members.
I have a passion for our business and my objective is to represent our
Real Estate industry on the RECO Board of Directors.
I would welcome your comments and would invite you to contact me.
I am currently a member of the Insurance Committee at RECO and am
Chairperson of the Political Affairs Committee at the Kingston Area Real
Estate Association. In 2013, I was a member of the Finance Committee
and the Arbitration Committee at the Ontario Real Estate Association.
10
SPRING 2014
Region 3 - Eastern, Northeastern & Northern Ontario continued
GEORGE WILLIAM WATSON, Broker
Email: george10902@sympatico.ca
Primecorp Commercial Realty Inc., Brokerage
Licensed since 1973 and a Real Estate Broker since 1976. Managed
an independent brokerage in Wasaga Beach for 22 years. Owner &
operator of a national franchise from 1995 to 2008. Broker of Record.
Sold business in 2008. Formed new brokerage in 2010 in conjunction
with a national builder and developer as their real estate division.
This company continues to flourish. My focus on commercial and
development lands offered me the opportunity to join Primecorp
Commercial Realty Brokerage in 2011. I am an Appraiser with the
Canadian National Association of Real Estate Appraisers and a
Mortgage Broker with the Financial Services Commission of Ontario.
I have served as President of the Georgian Triangle Board.
11
I have served on OREA committees including the Commercial Council
and Arbitration. At RECO I served for approx. 9 years on the Complaints,
Compliance and Discipline Committee (CCD) and during my current
term as a Director I have served on the Audit, Education, Legislation and
Regulations and Finance Committees. I have been a Rotarian in Wasaga
Beach for 27 years. I am a 3 term elected municipal politician and Chair
the Community Services Committee and sit on the General Government
Committee. I am a Director on the Housing Resource Centre for
Homelessness, Member of the Regional Airport Committee and a
member of the Small Business Enterprise Centre.
SPRING 2014
REGISTRANT
SURVEY SHOWS
PROFESSION
POISED FOR
BIG CHANGES
Satisfaction levels with RECO services extremely high
The face of Ontario’s real estate profession will see big changes in the coming decade, with over half of current registrants
predicted to leave the profession in the next ten years. That’s a major finding from RECO’s latest registrant survey, which
discovered that 63% of registrants 55 and over plan to leave within 10 years, while the vast majority of those under 55
plan to remain registered for 11 years or more. At the same time, more young people will likely enter the profession over
the course of the decade.
Fortunately RECO is preparing for the transition by growing its social media presence while maintaining the use of
important, traditional communications tools, such as newsletters.
Almost 10,000 registrants completed the survey in late 2013.
The survey also shows that registrants are satisfied with RECO’s customer service, communications and consumer outreach
efforts, while identifying priorities for improvement.
“The survey gave every broker and salesperson an opportunity to provide us with valuable feedback,” says Glenda Brindle,
Chair of RECO’s Board of Directors. “Thank you to everyone who took the time to complete the survey.”
The registrant survey is conducted every two years. In 2015, the next survey will measure progress on these priorities and
identify new areas for improvement.
12
SPRING 2014
Key survey results
Registrants show strong
satisfaction with MyWeb
services:
92% of respondents said that
RECO’s overall customer service
93% of respondents rated
RECO’s consumer outreach
meets or exceeds their
expectations.
efforts as important or very
important.
82%
satisfied or very
satisfied with updating information online.
85%
satisfied or very
satisfied with online registration renewal.
• O
f RECO’s communication methods, registrants were most satisfied
with For the RECOrd, Registrar’s bulletins and e-blasts.
89%
• F acebook is the most popular social media network, with over half
of registrants using it at least weekly for business purposes. Facebook
is the focus of RECO’s new consumer outreach campaign.
satisfied or very
satisfied with online insurance payment.
Areas for RECO to focus
• R
egistrants who are aware of RECO’s consumer materials find them useful, but between 31% and 47% of
respondents were not familiar enough with the materials to make a rating. Increasing awareness of consumer
materials will be a priority moving forward.
80
%
• O
ver 80% of respondents
rated professionalism as a
high or very high priority
communication topic.
RECO will continue to
focus on promoting
professionalism within
the real estate sector.
13
SPRING 2014
• RECO asked registrants who did not vote
in last year’s Board of Directors election
their reason for not voting. Almost half of
respondents said they didn’t know enough
about the candidates. In response, RECO is
introducing candidate videos.
Digital campaign shows
buyers and sellers how
to be “home smart”
Registrar Joe Richer encourages registrants to get involved with RECO’s digital campaign.
Check out the video at YouTube.com/recohelps.
RECO has launched new digital tools that encourage Ontarians to be home smart when buying or selling a home. Sharing
these resources with your clients will give them peace of mind while explaining that a registered real estate professional is
an important source of information and an objective ally during the buying or selling experience. Get involved by emailing
these tools to your clients or sharing them via your own social networks.
The campaign also includes digital ads and media outreach that point to RECO’s many helpful resources.
RECO’s new Facebook page (www.Facebook.com/recohelps) features interactive tools that highlight some of the
most common buying and selling mistakes, and how to avoid them. When they like the page, home buyers and
sellers will receive daily real estate dos and don’ts, infographics and buying and selling checklists.
ECO’s YouTube channel (www.YouTube.com/recohelps) features a new video series that answers common home
R
buyer and seller questions, such as “what closing costs should I budget for,” “what should I do to have a safe open
house” and “how do I know what’s included with the sale of a home.”
RECO’s Twitter feed (www.Twitter.com/recohelps) features daily tidbits on home buying and selling.
14
SPRING 2014
MARK YOUR CALENDARS FOR
RECO’S 17
ANNUAL GENERAL
MEETING
TH
The Board of Directors is pleased to invite you to RECO’s 17th Annual
General Meeting (AGM), to be held on Thursday, June 19, 2014 at the
Old Mill Inn in Toronto.
The registration desk will open at 9 a.m. and the meeting will begin at
10 a.m. A light continental breakfast will be served during registration.
After the formal portion of the AGM concludes, a Q&A session will take
place. This is your opportunity to ask RECO’s Board of Directors and
management questions about programs, services and industry issues.
Questions should be of general interest. Questions related to an individual,
a specific situation or regulatory action against a specific registrant cannot
be addressed at a public meeting.
While RECO will make every effort to respond to a variety of questions,
due to time constraints, it’s possible that not all of the questions can be
addressed at the meeting. Also, similar questions will not be repeated.
Attendees will also have an opportunity to meet with RECO’s Directors
and management before and after the meeting.
All members will receive the Notice of AGM and attached notices
in early May.
We hope you can join us.
15
SPRING 2014
CAN’T ATTEND IN PERSON?
RECO’s AGM will be available for
real-time streaming. Simply visit
www.reco.on.ca on June 19 at
10 a.m. to connect to the feed. A
recorded version will also be made
available on RECO’s website in the
days following the AGM.
If you have a question you would
like brought forward, please submit
it to AGM@reco.on.ca. Be sure to
include your full name and the
name of your brokerage.
CONTACTING
EXPIRED LISTINGS
Most real estate professionals are entrepreneurial by nature. So when another registrant’s listing agreement expires with the
property unsold, many registrants will have a natural inclination to take up the challenge themselves. While competition is a
normal part of the industry, it’s important to act professionally at all times and to ensure you aren’t violating any rules if you
intend to contact the seller of an expired listing.
Before contacting the seller, confirm the following:
• The listing does not indicate that the seller does not want to be contacted upon expiry of the listing; and
• The seller’s phone number is not on the National Do Not Call List (www.lnnte-dncl.gc.ca).
For more information, visit www.reco.on.ca.
Real Estate Council of Ontario
3300 Bloor Street West
Suite 1200, West Tower
Toronto, Ontario M8X 2X2
Tel: 416-207-4800
Toll-Free: 1-800-245-6910
Fax: 416-207-4820
Do you have any comments or inquires about For the RECOrd
newsletter? Please send them to: communications@reco.on.ca
PM #40041338
Disclaimer: While RECO makes every effort to ensure that the information in this publication is current and accurate, RECO does not warrant or guarantee that
it will be free of errors. The information contained in this publication is not intended to cover all situations. It is general information only and users/readers are
encouraged to seek their own independent advice for particular fact situations.

For the RECOrd Spring 2014

Transcription

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