REQUIRED IN ALL CLOSINGS:

1. DEED: In order to convey your title to the Buyer, YOU MUST DELIVER A NEW DEED, properly signed and notarized. Please provide our office with a copy of your proposed deed at least 24 hours prior to closing. If you wish to have this office prepare a new deed for you please notify us well in advance of the closing. Our charge for this service is one hundred fifty dollars ($150.00).

2. REAL ESTATE TAXES: Please bring your most recent tax bill to the closing. If you have paid the tax bill, please bring a stamped receipt and notify this office that you have paid the tax bill.

3. PHOTO IDENTIFICATION: Please bring an acceptable form of photo identification that has not expired. (Acceptable forms of identification are: passport, driver's license, military ID)

4. FIRE INSPECTION/CARBON MONOXIDE CERTIFICATE: As required by Massachusetts Law, YOU MUST BRING A CERTIFICATE OF COMPLIANCE REGARDING THE MASSACHUSETTS SMOKE DETECTOR AND CARBON MONOXIDE LAW. The Certificate may be obtained from the local fire department after an inspection of the dwelling and must be dated within 60 days of the closing date.

5. UREA FORMALDEHYDE FOAM: MGLA Ch. 255 Section 121 requires the Seller to determine if the dwelling contains Urea Formaldehyde foam insulation. Please consult your broker and attorney.

6. UTILITY ADJUSTMENTS: Please notify us well in advance of the closing of any charges which are not reflected in the Purchase and Sale Agreement or any closing adjustments. Please bring all receipts and other information necessary to make adjustments for fuel, water or other utilities. PLEASE BRING A COPY OF A CURRENT PAID WATER AND SEWER BILL IF YOU HAVE CITY/TOWN WATER OR SEWER.

7. KEYS: Please bring keys and any other articles which the Buyer expects to receive at closing; for example, garage door opener transmitters (if so equipped).

8. RECORDATION AND DISBURSEMENTS OF SALE PROCEEDS: The Deed will be recorded at the Registry of Deeds on the same day or one business day following the closing. The sale proceeds will be disbursed immediately after recording. If you need the disbursement of proceeds on the day of closing, we must be notified at least one (1) week in advance of the closing to make the appropriate arrangements. PROCEEDS CAN BE RELEASED ONLY AFTER ALL DOCUMENTS ARE PROPERLY RECORDED; please do not ask us to issue proceeds to you prior to recordation. We can arrange to have a courier deliver the documents to the appropriate Registry of Deeds on the day of closing (assuming the closing occurs early in the day) for a nominal fee. Should you desire your proceeds in the form of certified funds, please notify our office at least 24 hours prior to closing.

9. LOCATION AND SCHEDULING OF CLOSING: Normally, the closing cannot be firmly scheduled until 3 to 5 business days after we have been advised of all the necessary information described herein and our receipt and review of the title examination, plot plan, municipal lien certificate, and the lender's final approval of the mortgage loan. Usually, the closing will take place in our office in Chelmsford.

THE FOLLOWING REQUIREMENTS MAY OR MAY NOT APPLY TO YOUR SALE:

1. OUTSTANDING MORTGAGES ON YOUR PROPERTY: If you have given a mortgage on the property to a Bank or other lending institution, we will be contacting the lender to obtain the payoff information and we will disburse the necessary amount to obtain the mortgage discharge after the closing. Therefore, please provide us with the name of your mortgage lender (or lenders, if you have more than one outstanding mortgage) and your account number by completing the attached Mortgagor's Consent Form and returning it to us at your earliest possible convenience. Please note that a fee of $75.00 will be charged for each discharge of mortgage or other lien that we secure.

If you have given a mortgage on the property to an individual, you must obtain the ORIGINAL DISCHARGE of the mortgage with written verification of the amount due to pay off the mortgage from your lender and bring both to the closing. We must be notified prior to the closing of the amount due to pay off the mortgage. If the title examination reveals that there are any title defects, we will let you know and it will be your responsibility to clear the title. If you are not represented by an attorney and you want our office to clear the title, you will be charged a fee for our services based on the actual time spent on the matter.

2. If you have a current home equity loan secured by a mortgage, we cannot disburse closing proceeds until we have a discharge of the home equity loan mortgage or an agreement with the lender regarding pay-off procedures. Please complete the enclosed Equity Line of Credit Request for Termination and return it to this office at the earliest possible convenience, but in no event less than five (5) days prior to closing.

3. IF THE CURRENT TITLE TO THE PROPERTY IS IN THE NAME OF A CORPORATION: We will also need a Corporate Tax Lien Waiver from the Department of Corporations and Taxation, if the property represents all or substantially all of the corporation's assets. If the Deed is not signed by the Corporation's President and Treasurer, a Clerk's Certificate of Vote in recordable form shall also be required.

4. PROPERTY OWNED BY A TRUST: If the property is held in a trust, you must provide us with a complete copy of the recorded Trust and the recording information prior to closing, as well as a Trustee's Certificate.

5. TITLE V: If your property is served by an on-site septic system, please bring Title V Certificate of Compliance to closing.

IF THE PROPERTY IS A CONDOMINIUM UNIT:

1. 6(D) CERTIFICATE: A certificate executed by the appropriate members of the unit owners' organization evidencing that there are no outstanding liens for unpaid common charges or expenses. The certificate must be an original and be in recordable form. In the event that the condominium documents contain a right of first refusal, a separate certificate, in recordable form, signed by the authorized individuals setting forth that the unit owners organization has waived its right of first refusal must also be provided.

2. CERTIFICATE OF INSURANCE: Generally, the Seller must provide to the Buyer a CERTIFICATE evidencing the master policy of insurance covering the condominium project in a form satisfactory to the Buyer's mortgage lender. Insurance documentation can be obtained from the insurance agent who provides the master policy coverage. This CERTIFICATE must name the insurance company carrying the policy, the amount of coverage indicating that the Buyers are the owners of the unit to be sold, and the name of the Buyer's lender "and its successors and assigns as their interests may appear", as the holder of a mortgage on the unit.

Your transaction may also require additional documentation. Please review your Purchase and Sale Agreement and consult with your attorney for additional requirements.

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