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SCHEDULE   Morning Session 3 Hour Classes (9 am - 12:15 pm with a break from 10:30 - 10:45 am) DC Ethics Update DC Fair Housing and Predatory Lending Green Building for REALTORS® Montgomery County Legislative Issues Professional Standards & Codes of Ethics Property Condition Paragraph of the Sales Contract Red Flags in Property Inspections Subprime Lending Working in a Buyer's Market 1.5 Hour Classes (9 - 10:30 am) ePro Reverse Mortgages Break (10:30 - 10:45 am) 1.5 Hour Classes (10:45 am - 12:15 pm) ePro MD Fair Housing LUNCH (12:15 - 1:30 pm)   Afternoon Session 3 Hour Classes (1:30 - 4:45 pm with a break from 3 - 3:15 pm) Addendum of Clauses DC Legislative Rent Control and Landlord Tenant Housing Rights DC Fair Housing and Predatory Lending Foreclosures Maintaining Proper Records Montgomery County Legislative Issues Property Condition Paragraph of the Sales Contract Risk Management Working in a Buyer's Market 1.5 Hour Classes (1:30 - 3 pm) ePro MD Fair Housing BREAK (3 - 3:15 pm) 1.5 Hour Classes (3:15 - 4:45 pm) ePro Reverse Mortgages	Underwriter MRIS Session Sponsors Capitol Title Keller Williams Capital Properties Stewart Title Group LLC Tax-Masters, Inc. Wells Fargo Home Mortgage Welton Street Investments, LLC Break Sponsor BB&T Mortgage Print Station Sponsor Avenue Title Group Lanyard Sponsor Town & Country Movers Cocktail Reception Sponsors Answer Title Classic Settlements First Horizon Home Loans MBH Settlement Group, LC Mouse On House North American Title Company Prudential Carruthers REALTORS® RE/MAX Allegiance SentriLock, LLC SunTrust Wachovia Mortgage The Washington Examiner Prize Sponsor JK Moving & Storage Inc. Vanity Sponsor Universal Settlements