What is Cultural Competency? "Cultural competency means being aware of your own cultural beliefs and values and how these may be different from other cultures—including being able to learn about and honor the different cultures of those you live and work with." The three elements of cultural competence are: • attitudes. • skills. • knowledge. 4 Steps to Becoming Culturally Competent • Learn About Your Culture and Biases. Many of the biases we hold are unconscious, meaning we're not aware we have them. • Actively Listen. Active listening is a useful tool for practicing cultural competency. • Show Interest Through Participation. • Seek Out Cultural Knowledge. APPROVED FOR 2 HOURS CE CREDIT --------------------------------------------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

This course will introduce you to our new MLS system called Matrix. <P> You will learn how to navigate the system and setup your profile. In this beginner course you will be introduced to the Matrix dashboard and customize the market watch and Hotsheets for updates in your area. Search and share listings for emailing, texting or printing reports. How to add and manage contacts to setup an auto email. <P> You will also learn how to use the Action Bar for all your searching needs, including a quick CMA. We will cover the basics of Realist Tax- how to find and read a tax record.<P> APPROVED FOR 3 HOURS CE<P> -------------------------------------------<P> INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

For the past 30 years, Real Estate professionals and their homebuyers have found new opportunities with the strength of FHA 203(k) and HomeStyles Renovation financing. Reinventing the deal can help you level the playing field for your home buyers and create exciting HomeOwnership opportunities with more inventory of homes right in our own backyards. This course is a follow up to the popular “Success with 203(k) Financing” enjoyed by 100s of agents and will hopefully give you too, that “yeah, you can do that” knowledge to Reinvent the deal by: • Expanding your clients searches to more affordable “fixer-uppers” and TLC properties. • Opening up REO inventory that was once only available to “cash only” buyers • Learn how to attract more buyers to your listings with a “yeah you can do that” vision • Learn how to close on homes with some title issues or violations…”yeah, you can do that” • Work with not only owner-occupied sales, but also second homes and Investors This course will teach you exactly how these powerful programs work. Including: • Structuring purchase scenarios including renovation funds, with as little as 3.5% down • Defining exactly what an “As-repaired” appraisal is and creating future value to the home • Defining the long list of allowable renovations under each program • Learning how you can close on problematic homes in their “as-is” condition • Working with contractors, cost estimates, architects, expediters and more • Real life case studies of successful transactions APPROVED FOR 3 HOURS CE CREDITS ---------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit

When the market shifts out of a hot sellers market, buyers expectations and behaviors change. Seller concessions, inspections and house sale contingencies may no longer be out of the question. Rising interest rates and slower demand may also change the landscape of financing options. Some buyers may park themselves on the “fence” and attempt to wait for “the bottom” when it comes to lower prices. In this course, we will examine these conditions and how to help buyers navigate through what might seem like a confusing market. Approved for 3 Hours CE ---------------------------------------------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

Learn the history of the appraisal process, redlining, USPAP and Advisory Opinion 16. Examine recent case law and surveys on the subject. Discuss your experiences and the steps you can take if bias has taken place including the ROA process.<P> APPROVED FOR 3 HOURS CE RE & 3 FOR APPRAISERS <P> ----------------------------------------------<P> INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit

This course will introduce you to our new MLS system called Matrix. <P> You will learn how to navigate the system and setup your profile. In this beginner course you will be introduced to the Matrix dashboard and customize the market watch and Hotsheets for updates in your area. Search and share listings for emailing, texting or printing reports. How to add and manage contacts to setup an auto email. <P> You will also learn how to use the Action Bar for all your searching needs, including a quick CMA. We will cover the basics of Realist Tax- how to find and read a tax record.<P> APPROVED FOR 3 HOURS CE<P> -------------------------------------------<P> INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

Matrix Level 2 will cover creating a MLS Listing, updating, and adding photos & documents to the listing, also the value of reverse prospecting. We will explore and learn a variety of easy ways to create a CMA in Matrix and discover the preset statistics and market reports that can be included in your listing presentation. The class will also cover advanced searches, customizing search views and you will be introduced to the speed bar for quick and easy searches. You will be introduced to the wealth of information available in Realist Tax. This is an excellent class to take after you are familiar with Matrix! APPROVED FOR 3 HOURS CE CREDIT ---------------------------------------------------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

LIBOR General Counsel Patrick Fife will provide an overview of new laws or legal developments that impact the Long Island legal industry. Topics will include best practices related to fair housing, antitrust claims, advertising and broker supervision. The course will also review the most relevant questions coming into LIBOR’s Legal Support Center. APPROVED FOR 1 Hour CE (Includes DOS Mandated 1 HOUR LEGAL UPDATE) ---------------------------------------------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM LINK AND INSTRUCTIONS 24 hours prior to start.

SMALL INVESTMENT PROPERTIES Are you interested in becoming a real estate investor? Do you have clients who want to get started in real estate investing? Most investors start small. This course examines the basics analyzing, selecting and managing small residential investment properties. • Learn how to do a financial analysis of an investment property. • Understand the relationship of leverage, profitability and risk. • Find out what to do and not do for an investor client • Understand what information an investor should have before deciding to invest • Examine various property management models APPROVED FOR 7.5 HOURS CE CREDIT JOHN YOEGEL, PHD ------------------------------------ CE Credits by WEBINAR (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit Registrants will receive ZOOM instructions 24 hours prior to start.

What’s the difference between service animals, assistance animals, emotional support animals and therapy dogs? There are laws protecting people with disabilities when it comes to housing. There are laws for service animals in public places. It’s important to understand the laws as it pertains to this protected class so you can help the consumer, educate landlords and sellers and protect yourself against violating fair housing laws. APPROVED FOR 3 HOURS CE (Includes DOS Mandated Topic: 3 Hours Fair Housing) ----------------------------------------------- INFO FOR ZOOM COURSES ONLY - CE Credits by LIVE DISTANCE EDUCATION (ZOOM) requires that you have both a microphone and a camera in order to earn CE Credit

<B>THIS CLASS IS FREE FOR LIBOR MEMBERS, BUT THERE IS A FEE IF YOU WANT TO RECEIVE THE 3 CE CREDITS AND WILL BE HANDLED THE DAY OF THE CLASS.</B> This is an IN PERSON CLASS ONLY - This class is an overview of the Matrix MLS system. It will be offered in lecture style. <P> We will explore the different dashboards and all the components and set up market areas with Market Watch and create updates with Hot Sheets. This course covers the various ways of searching the MLS for all property types and statuses. <P> You will learn how to create an Auto Email, for automatically emailing listings, and visit OneHome, the client portal. The benefits of Realist Tax and setting up a farm area to create mailing labels. Also, included is adding and editing a listing. <P> THIS CLASS IS FREE, BUT THERE IS A FEE IF YOU WANT TO RECEIVE THE 3 CE CREDITS. <P> --------------------------------------<P>